1. How to use this presentation
What’s covered
This presentation is designed to cover the following:
Unum history, market position
What is hospital indemnity insurance
Why you may need it
How it works
Plan design and options
Reasons to buy, guaranteed issue, exclusions, etc.
Enrollment instructions
Customizable
This presentation can be customized according to plan design offered and situs state.
Remove slides that do not apply to the case offering or slides that do not apply to your state/policy.
Red text implies that text is variable − choose the correct option/value per the case plan design.
Text in brackets is optional and can be removed if not offered.
Notes pages
Please read the notes page (click on View on the menu bar, click on Notes page) to determine if a slide applies to your case/state and policy.
Enroller: Please delete this slide.

2. Hospital Indemnity insurance Presenter’s name | Month, Year
Underwritten by:
Unum Life Insurance Company of America
Voluntary benefits
Hospital Indemnity insurance
Presenter’s name | Month, Year
Hospital indemnity insurance
Suggested introduction:
Hello. My name is _________. I’m a benefits representative with Unum. I’m here on behalf of [Company Name] to tell you about a valuable financial protection benefit available to employees -- Hospital Indemnity Insurance.
Your HR department wants to make sure you understand enough about this benefit to decide whether it is right for you. So I will spend the next few minutes….
- Giving you an overview of the plan…
- Explaining how this plan could benefit you and your family…
- And answering any questions you may have.
Remember, I don’t work on commission -- so there’s no pressure for you to buy anything. My goal today is to provide you with the knowledge you need to make an informed decision about this benefit.
Are there any questions before I begin?
Transition statement – Before we talk about Hospital Indemnity Insurance, let me introduce you to Unum, the benefits provider [employer name] has chosen to offer this valuable coverage to you.
EN-1721 (9-15)

3. Why Unum? Proven experience
A heritage of more than 160 years in the insurance industry
We listen to you
Highly trained benefit specialists ready to assist you
We put people first
Professional, prompt, courteous service during difficult times
Financial stability
Solid financial ratings, even in today’s tough economy
We put people first
Professional, prompt, courteous service during difficult times
Speaker Notes:
With more than 160 years of benefits experience, we back our products with a commitment to providing high-quality service.
We have received excellent financial strength ratings that reflect our stability, even in a tough economy.
Most of all, we are a company of people serving people.
Transitional statement:
Now that you know why your employer has chosen Unum as your Hospital Indemnity Insurance provider, let’s talk about what is Hospital Indemnity Insurance and who may need it. 3

4. Who needs Hospital Indemnity insurance?
“I thought my medical insurance covered my costs.”
Your medical insurance covers many of the costs associated with a hospital stay and outpatient surgery, but what you may not know is that you could still be left with significant out-of-pocket expenses such as:
The obvious:
Medical insurance deductibles
Medical co-pays; hospital or ambulatory care co-pays; co-insurance and prescription drug co-pays
Rehabilitation
Alternative treatments
The not-so-obvious:
Childcare
Transportation to health facilities
Diagnostic tests
With the rising costs of health care, one trip to the hospital could cause a serious financial setback due to out-of-pocket costs that are not covered by a typical medical plan.
It’s true that your medical insurance covers many costs, but there are also many unexpected costs that people don’t plan for – and those expenses must be paid out of your own pocket. Some of these expenses may include:
[refer to slide]
Unum’s Hospital Indemnity Insurance helps provide financial protection by paying lump sum benefits whenever a covered employee or family member is admitted to the hospital.
Let’s take a closer look at how this benefit may help you…

5. Why buy Hospital Indemnity insurance?
Plan 1
Why buy Hospital Indemnity insurance?
Frank’s story
Frank works hard to pay for the things that matter to him and his family. So when his appendix ruptured, he worried what it would mean to his finances.
His recovery kept him in the hospital for a few days, but Frank’s hospital indemnity coverage protected his savings.
A lump-sum benefit helped Frank with the unexpected costs – so he could get back to work with fewer worries.
ENROLLER NOTE: use this slide for Plan 1
Speaker Notes:
Let me show you how this benefit works.
[Go over Frank’s story in slide]
Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs associated with a hospital stay. It can pay a lump sum benefit directly to you when you are hospitalized for a covered hospital stay. [It may also pay a benefit if you receive additional treatment for a covered accident or sickness]. The benefit can be used however you choose.
Unum’s Hospital Indemnity Insurance is designed to help give you the additional financial protection you may need.
Frank’s hospital indemnity insurance helped provide funds for some of the out-of-pocket costs his medical insurance didn’t cover.

6. Why buy Hospital Indemnity insurance?
Plan 2
Why buy Hospital Indemnity insurance?
Frank’s story
Frank works hard to pay for the things that matter to him and his family. So when his appendix ruptured, he worried what it would mean to his finances.
His recovery kept him in the hospital for a few days, but Frank’s hospital indemnity coverage protected his savings.
A lump-sum benefit helped Frank with the unexpected costs – so he could get back to work with fewer worries.
[ENROLLER NOTE: use this slide for Plan 2
Speaker Notes:
Let me show you how this benefit works.
Go over Frank’s story in slide]
Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs associated with a hospital stay. Hospital Indemnity Insurance can pay a lump sum benefit directly to you when you are hospitalized for a covered stay, have outpatient surgery or have diagnostic testing for a covered accident or sickness. The benefit can be used however you choose.
Unum’s Hospital Indemnity Insurance is designed to help give you the additional financial protection you may need.
Frank’s hospital indemnity insurance helped provide funds for some of the out-of-pocket costs his medical insurance didn’t cover.

7. Why buy Hospital Indemnity insurance?
Plan 3
Why buy Hospital Indemnity insurance?
Frank’s story
Frank works hard to pay for the things that matter to him and his family. So when his appendix ruptured, he worried what it would mean to his finances.
His recovery kept him in the hospital for a few days, but Frank’s hospital indemnity coverage protected his savings.
A lump-sum benefit helped Frank with the unexpected costs – so he could get back to work with fewer worries.
[ENROLLER NOTE: use this slide for Plan 3
Speaker Notes:
Let me show you how this benefit works.
Go over Frank’s story in slide]
Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs associated with a hospital stay. Hospital indemnity insurance can pay a lump sum benefit directly to you when you are hospitalized for a covered stay, have outpatient or inpatient surgery or have diagnostic testing for a covered accident or sickness. The benefit can be used however you choose.
Unum’s Hospital Indemnity Insurance is designed to help give you the additional financial protection you may need.
Frank’s hospital indemnity insurance helped provide funds for some of the out-of-pocket costs his medical insurance didn’t cover.

8. Covered health events and lump-sum benefits
Plan 1
Covered health events and lump-sum benefits
What are my benefits under this plan?
Your employer has selected a specific benefit amount to complement your medical plan:
[$500–$5,000] for each covered hospital admission [(once per calendar year) (once per confinement)]
[In addition, your employer has chosen to include:
[[$100–$400] for each day of your covered hospital stay, up to [15, 20] days [(once per calendar year) (once per confinement)]]
[[$200–$800] for each day you spend in intensive care, up to [15, 20] days [(once per calendar year) (once per confinement)]]
[$150 for emergency room treatment for an accident (once per year)]
[$100 for ambulance or $500 for air ambulance transportation (once per year)]
[ENROLLER NOTE: this slide refers to Plan 1 only. Please delete the slide if not offered. If offered, please choose specific benefits and amounts based on the specific plan offering and situs state of the case you are enrolling.
In CA, no ambulance or air ambulance transportation benefits are offered.
In DC, benefits for ambulance and emergency room treatment are mandated for all plans.]
Here’s what your hospital indemnity policy offers. Go over slide.
CA, MA and ME: Employees, spouses and dependent children must have comprehensive medical coverage before purchasing hospital indemnity insurance.

9. Covered health events and lump-sum benefits
Plan 2
Covered health events and lump-sum benefits
What are my benefits under this plan?
Your employer has selected a specific benefit amount to complement
your medical plan:
[$500–$5,000] for each covered hospital admission [(once per calendar year)
(once per confinement)]
[[$250–$1,000] for physician-ordered diagnostic procedures due to a covered accident or illness (once per year)]
[[$500–$2,000] for each covered outpatient surgery, depending on the procedure, to a calendar-year maximum]
[In addition, your employer has chosen to include:
[[$100–$400] for each day of your covered hospital stay, up to [15, 20] days [(once per calendar year) (once per confinement)]]
[[$200–$800] for each day you spend in intensive care, up to [15, 20] days [(once per calendar year) (once per confinement)]]
[$150 for emergency room treatment (once per year)]
[$100 for ambulance or $500 for air ambulance transportation (once per year)]
[ENROLLER NOTE: this slide refers to Plan 2 only. Please delete the slide if not offered. If offered, please choose specific benefits and amounts based on the specific plan offering and situs state of the case you are enrolling.
In CA, no ambulance or air ambulance transportation benefits are available.
In CO, no outpatient surgery and diagnostic procedure benefits are available; inpatient surgery benefit is included.
In DC, benefits for ambulance and emergency room treatment are mandated for all plans.]
Here’s what your hospital indemnity policy offers. Go over slide.
CA, MA and ME: Employees , spouses and dependent children must have comprehensive medical coverage before purchasing hospital indemnity insurance.

10. Covered health events and lump-sum benefits
Plan 3
Covered health events and lump-sum benefits
What are my benefits under this plan?
Your employer has selected a specific benefit amount to complement your medical plan:
[$500–$5,000] for each covered hospital admission [(once per calendar year) (once per confinement)]
[$250–$1,000] for physician-ordered diagnostic procedures due to a covered accident or illness (once per year)
[$500–$2,000] for each covered outpatient surgery, depending on the procedure, to a calendar-year maximum
[$250–$1,000] for covered inpatient surgery (once per year)
[A travel benefit of $0.40 per mile, for up to three round trips (1,200 miles per round trip), if you meet the following guidelines:
You must have a physician’s referral
You must have a hospital stay or outpatient surgery
The trip must be at least 50 miles one way]
[A lodging benefit of $150 per night to lodge a companion during your hospital stay, up to 30 nights]
[ENROLLER NOTE: this slide refers to Plan 3 only. Please delete the slide if not offered. If offered, please choose specific benefits and amounts based on the specific plan offering and situs state of the case you are enrolling.
In AK, travel and lodging benefits are included in plan 3. (This does not include ambulance or air ambulance transportation) 
In CO, plan 3 is not available.
In ND, travel benefit is $300 per round trip, up to 3 round trips.
In NM, no lodging and travel benefits are available under plan 3.]
Here’s what your hospital indemnity policy offers. Go over slide.
CA, MA and ME: Employees , spouses and dependent children must have comprehensive medical coverage before purchasing hospital indemnity insurance.

11. Covered health events and lump-sum benefits (continued)
Plan 3
Covered health events and lump-sum benefits (continued)
What are my benefits under this plan?
In addition, your employer has chosen to include:
[[$100–$400] for each day of your covered hospital stay, up to [15, 20] days [(once per calendar year) (once per confinement)]]
[[$200–$800] for each day you spend in intensive care, up to [15, 20] days [(once per calendar year) (once per confinement)]]
[$150 for emergency room treatment (once per year)]
[$100 for ambulance or $500 for air ambulance transportation (once per year)]
[[$100–$400] for each day of your covered stay in a rehabilitation unit, up to [15, 20] days [(once per calendar year) (once per confinement)]]
[ENROLLER NOTE: this slide refers only to optional benefits under Plan 3 only. Please delete the slide if not offered. If offered, choose specific benefits and amounts based on the specific plan offering of the case you are enrolling.
In CA, no ambulance or air ambulance transportation benefits are available.
In DC, benefits for ambulance and emergency room treatment are mandated for all plans.]
Here’s what your hospital indemnity policy offers. Go over slide.
CA, MA and ME: Employees , spouses and dependent children must have comprehensive medical coverage before purchasing hospital indemnity insurance.

12. Health screening tests include, but not limited to:
Wellness Benefit
Based on the plan selected by your employer, this benefit can pay [$50, $75, $100] per calendar year per insured individual if a wellness exam is performed.
Health screening tests include, but not limited to:
Blood tests
Stress tests
Colonoscopies
Chest X-rays
Mammograms
A full list of covered tests will be provided in your certificate
[ENROLLER NOTE: delete slide if not chosen by Employer or not offered in the situs state
In CO, wellness benefit is based on a preventive wellness exam rather than a specific test.
In DC and KS, no wellness benefit is offered.]
Wellness benefit
Employer chooses a benefit amount of $50, $75 or $100 per calendar year per covered individual if a health screening test is performed.
The wellness benefit ends when the insured individual’s group hospital indemnity coverage ends.

13. Family coverage options
In addition to employee
coverage, you can choose
the following coverage
options:
Employee & spouse
Employee & child
Employee, spouse & child
Who can have it?
Spouse
coverage
Ages 17 to 64 with purchase of employee policy
Child
Coverage [*]
Eligible dependent children newborn until their 26 birthday regardless of marital or student status, with purchase of employee policy.
[refer to slide]
Eligibility
[In IL, child coverage is available newborn until their 30th birthday, if the dependent child is actively enrolled in the military.]
In NC, minimum hours worked cannot exceed 30 hours.
Employee:
Issue ages: no limitation
Employees must be legally authorized to work in the U.S. and actively working at a U.S. location
Actively at work: Being actively at work means on the day the employee applies for coverage, he/she must be working at one of his/her company’s business locations, or at a location where he/she is required to represent the company. If applying for coverage on a day that is not a scheduled workday, the employee will be considered actively at work as of his/her last scheduled workday. Employees are not considered actively at work if they are on a leave of absence.
Spouse:
Issue ages: 17-64
Must live in the United States
Employee must purchase coverage for himself/herself in order to purchase spouse coverage; coverage for spouse available only if employee is covered
Child:
Issue ages: dependent child newborn until his/her 26th birthday, regardless of student or marital status
Available to the employee’s eligible children, stepchildren, foster children and legally adopted children who are dependent on the employee for support.
Employee must purchase coverage for himself/herself in order to purchase dependent children coverage; coverage for children available only if employee is covered
Do you have any questions so far? If not, let’s talk about an instance in which benefits may not be payable
Employees must be legally authorized to work in the U.S. and actively working at a U.S. location to receive coverage.  Spouses and dependents must live in the U.S. to receive coverage.
[* In IL, dependent child(ren) covered to age 30 if actively enrolled in the military. ]

14. Coverage effective date
Policy provisions
Pre-existing condition† limitation:
Unum will not pay benefits for a claim that is caused by, contributed to by or occurs as a result of a pre-existing condition.
Coverage effective date
pre-existing limitation does not apply
[refer to slide]
[Enroller, remove this slide if pre-ex has been waived and please keep in mind there are state variations, therefore you must confirm and make the pertinent changes depending on the situs state:
Pre-existing condition limitations
12 months prior to the coverage effective date in all states except CO, FL, ID, IN, ME, MT, NM, NV, PA, SD, UT and WY.
If sitused in FL, ID, IN, MT, NV, SD or WY display 6 months prior to the covered effective date and 12 months after your effective date.
If sitused in CO, ME, NM or UT, display 6 months prior to the covered effective date and 6 months after your effective date.
If sitused in PA, display 3 months prior to the covered effective date and 12 months after your effective date.]
As with all insurance policies, it’s important for you to understand any limitations or provisions. Let’s review the pre-existing condition limitation for your Hospital indemnity policy.
[12] months††
before
effective date
[12] months ††
after
effective date
†A pre-existing condition is a sickness or injury or symptoms of a sickness or injury, whether diagnosed or not, for which you received medical treatment, consultation, care or services, including diagnostic measures, took prescribed drugs or medicine or had been prescribed drugs or medicine to be taken during the [12] months just prior to your coverage effective date.
††Varies by state.

15. Why apply now? Advantages of Hospital Indemnity insurance
Hospital admissions can cause serious financial setbacks, due to out-of-pocket costs that are not covered by a typical medical plan.
You get affordable rates when you buy this coverage through your employer, and the premiums are conveniently deducted from your paycheck.
Hospital indemnity benefits are paid in a lump sum, not as cost reimbursement. You can use the benefits to help pay some out-of- pocket expenses like co-insurance, co-pays, deductibles and other costs associated with hospitalization – or however you choose.
A variety of family coverage options are available.
[An annual Wellness Benefit is available for all covered family members.]
Coverage becomes effective on the first day of the month in which payroll deductions begin.
[No physical exam is required for eligibility; guaranteed issue is available.]
[Coverage may be portable – no new health questions required.]
[Enroller note: please review the key advantages listed in this slide and remove all that are not applicable according to specific offering and/or situs state (bracketed text)
In AK, there is no pregnancy exclusion for dependent child on all Plans.
In DC and KS, no wellness benefit is offered.
In FL and MT, portability is not allowed.]
Your employer recognizes the importance of having adequate insurance coverage and is giving you the opportunity to provide additional financial protection for yourself and your family. By applying for Unum’s Hospital indemnity insurance at the workplace, you’ll have access to a variety of valuable policy features. Let’s review what this plan can offer you.
[refer to slide]
Portability
Allows continuation of coverage without any new health questions or change in rate; ported coverage can remain inforce even if master policy terminates. Applies if the primary insured individual and spouse become legally divorced after coverage is effective, or if the employee dies.

16. Eliminate any paragraphs that don’t apply
How can you enroll?
Review your enrollment materials.
[Meet with a benefit representative today to apply for this benefit.]
 [Call: [toll free #] to speak to a benefits representative during [specify enrollment dates]:
8 a.m.−8 p.m. ET Monday−Friday]
 [Go online to your enrollment website: [fill in]]
 [Complete your enrollment form and return it to [appropriate contact.]]
Eliminate any paragraphs that don’t apply
Call enrollment line
Instruct audience how to enroll contacting a BES-T representative
Enroll online
Instruct audience how to enroll using self service enrollment tool
Paper applications
Exception only and/or traditional products with Benefit Credits
Does anyone have any questions?
If you don’t feel comfortable asking them in front of the group, I’m happy to meet with you in person after this meeting is over.

17. GROUP HOSPITAL INDEMNITY INSURANCE IS A LIMITED POLICY.
This coverage is a supplement to health insurance. It is not a substitute for comprehensive health insurance and does not qualify as minimum essential health coverage.
In CT, MD, MN, NH, NJ, NY, VT and WA — this coverage is not available.
Underwritten by: Unum Life Insurance Company of America, Portland, Maine
This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form GHI-1 or contact your Unum representative.
Unum complies with all state civil union and domestic partner laws when applicable.
unum.com
© 2015 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.
EN-1721 (9-15) FOR EMPLOYEES
[Enroller note: this last slide includes required disclosures and must always be included in the presentation.]