MEKTEC INTERNATIONAL CORPORATION

Long Term Disability Insurance

can replace part of your income if a disability keeps you out of work
for a long period of time.

How does it work? What’s covered?

This employer-paid coverage pays a monthly benefit if you
have a covered illness or injury and you can’t work for a few This insurance may cover a variety of conditions and
months — or even longer. injuries. Here are Unum’s top reasons for long term
disability claims:1
You’re generally considered disabled if you’re unable to do • Cancer
important parts of your job — and your income suffers as • Back disorders
a result. • Injuries
Why is this coverage so valuable? • Cardiovascular
• Joint disorders
Your employer is paying the cost of this coverage. You can
use the money however you choose. It can help you pay This plan does not cover pre-existing conditions. See
for your rent or mortgage, groceries, out-of-pocket medical the disclosure section to learn more.
expenses and more.
What else is included?
How much coverage can I get? Work-life balance EAP
You* You are eligible for coverage if you are an active Get access to professional help for a range of personal and
employee in the United States working a minimum of work-related issues, including counselor referrals, financial
30 hours per week. planning and legal support.
Coverage amounts Worldwide emergency travel assistance
Cover 60% of your monthly income, up to a maximum
payment of $10,000.
One phone call gets you and your family immediate help
Consider your monthly expenses
*See the Legal Disclosures for more information. anywhere in the world, as long as you’re traveling 100 or
more miles from home. However, a spouse traveling on
The monthly benefit may be reduced or offset by other sources of income. The IRS may
Food
require you to pay taxes $_______
on certain benefit payments. See your tax advisor for details. business for his or her employer is not covered.

Transportation _______ Survivor benefit

! MEKTEC INTERNATIONAL CORPORATION

(gas, car payments, is paying the cost of this
repairs)
coverage. Coverage is guaranteed so you don’t have to answer
Child care/elder care
medical questions. _______
If you die while you’ve been disabled and receiving benefits
for at least 180 days, your family could get a benefit equal to
3 months of your gross disability payment.
Mortgage/rent _______
Waiver of premium
Elimination period
Utilities (EP) _______ If you’re disabled and receiving benefit payments, Unum
Your elimination (electric,
period is water,
180 days. This
cable, is the number of days that
phone)
must pass after a covered accident or illness before you can begin to waives your cost until you return to work.
receive benefits. Medical costs _______
(co-pays, medications)
Benefit duration (BD)
Insurance _______
This is the maximum length
(health, life, of time
car, you can receive benefits while
home)
you’re disabled. You can receive benefits to age 65.
Total monthly expenses $_______

1 Unum internal data, 2018. Note: Causes are listed in ranked order.

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 Long Term Disability Insurance

Exclusions and limitations • War, declared or undeclared or any act of war;

Active employee • Commission of a felony for which you have been convicted;
You are considered in active employment, if on the day you apply for coverage, you are • Pre-existing conditions (See the disclosure section to learn more).
being paid regularly by MEKTEC INTERNATIONAL CORPORATION for the required minimum The loss of a professional or occupational license or certification does not, in itself, constitute
hours each week and you are performing the material and substantial duties of your regular disability.
occupation. The lifetime cumulative maximum benefit for all disabilities due to mental illness and
Delayed effective date of coverage disabilities based primarily on self-reported symptoms is 24 months. Only 24 months of
Insurance coverage will be delayed if you are not an active employee because of an injury, benefits will be paid for any combination of such disabilities even if the disabilities are not
sickness, temporary layoff, or leave of absence on the date that insurance would otherwise continuous and/or are not related. Payments can continue beyond 24 months only if you are
become effective. confined to a hospital or institution as a result of the disability.
Benefit Duration (BD) Termination of coverage
The duration of your benefit payments is based on your age when your disability occurs. Your coverage under the policy ends on the earliest of the following:
Your Long Term Disability benefits are payable while you continue to meet the definition of • The date the policy or plan is cancelled
disability. Please refer to your plan document for the duration of benefits under this policy. • The date you no longer are in an eligible group
Definition of disability • The date your eligible group is no longer covered
For the first 24 months, you are considered totally disabled when, as a result of sickness or • The last day of the period for which you made any required contributions
injury, you are unable to perform with reasonable continuity the substantial and material • The last day you are in active employment except as provided under the covered layoff or
acts necessary to pursue your usual occupation in the usual and customary way. leave of absence provision.
After benefits have been paid for 24 months of disability, you are considered totally disabled Unum will provide coverage for a payable claim that occurs while you are covered under the
when, as a result of sickness or injury, you are not able to engage with reasonable continuity policy or plan.
in any occupation in which you could reasonably be expected to perform satisfactorily in Social Security advocacy services are provided by GENEX Services, Inc. or The Advocator
light of your age, education, training, experience, station in life, and physical and mental Group, LLC. Referral to one of our advocacy partners is determined by Unum.
capacity. Worldwide emergency travel assistance services are provided by Assist America, Inc.
Following one day of total disability, for the first 24 months, you are considered residually Work-life balance employee assistance program services are provided by HealthAdvocate. 
disabled when, you are no longer totally disabled and while actually working in your usual Services are available with select Unum insurance offerings. Terms and availability of service
occupation, as a result of sickness or injury you are unable to earn 80% or more of your are subject to change and prior notification requirements. Service providers do not provide
indexed monthly pre-disability earnings. legal advice; please consult your attorney for guidance. Services are not valid after coverage
After benefits have been paid for 24 months of disability, you are considered residually terminates. Please contact your Unum representative for details.
disabled when you are no longer totally disabled and while actually working in an This information is not intended to be a complete description of the insurance coverage
occupation, as a result of sickness or injury you are unable to engage with reasonable available. The policy or its provisions may vary or be unavailable in some states. The policy
continuity in that or in any other occupation in which you could reasonably be expected to has exclusions and limitations which may affect any benefits payable. For complete details
perform satisfactorily in light of your age, education, training, experience, station in life, and of coverage and availability, please refer to Policy Form C.FP-1 et al. or contact your Unum
physical and mental capacity. representative.
After 24 months, you are considered disabled when Unum determines that due to the same Underwritten by:
sickness or injury, you are unable to perform the duties of any gainful occupation for which
Unum Life Insurance Company of America, Portland, Maine
you are reasonably fitted by education, training or experience.
© 2020 Unum Group. All rights reserved. Unum is a registered trademark and marketing
You must be under the regular care of a physician in order to be considered disabled.
brand of Unum Group and its insuring subsidiaries.
The loss of a professional or occupational license or certification does not, in itself, constitute
disability.”Substantial and material acts” means the important tasks, functions and operations
that are generally required by employers from those engaged in your usual occupation and
that cannot be reasonably omitted or modified.
‘Usual occupation’ means the substantial and material acts you are routinely performing for
your employer when your disability begins.
Pre-existing conditions
You have an excluded pre-existing condition if:
• You received medical treatment, care, or services for a diagnosed condition, or took
prescribed drugs or prescribed medicines for that condition, in the 6 months just prior to
your effective date of coverage; and
• The disability begins in the first 24 months after your effective date of coverage unless you
have been treatment free for 12 consecutive months after your effective date of coverage.
Deductible sources of income
Your disability benefit may be reduced by deductible sources of income and any earnings
you have while disabled. Deductible sources of income may include such items as
disability income or other amounts you receive or are entitled to receive under workers’
compensation or similar occupational benefit laws; state compulsory benefit laws;
automobile liability and no fault insurance; legal judgments and settlements; certain
retirement plans; salary continuation or sick leave plans, if applicable; other group or
association disability programs or insurance; and amounts you or your family receive or are
entitled to receive from Social Security or similar governmental programs.
Here’s an example of how the benefit may be reduced by deductible sources of income:
Monthly pre-disability earnings:........................................................................................... $3,000
Long term disability benefit percentage:.............................................................................. x 60%
Unreduced maximum benefit:.............................................................................................. $1,800
Less Social Security disability benefit per month:.................................................................-$900
Less state disability income benefit per month:...................................................................-$300
Monthly long term disability benefit:...................................................................................... $600
Exclusions and limitations
Your plan does not cover any disabilities caused by or resulting from:
• Intentionally self-inflicted injuries;
• Active participation in a riot;

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