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 C.FP-1 et al. or contact your Unum representative.

Active employee  You are considered in active employment, if on the day you apply for coverage, you are being paid regularly by your employer for the required minimum hours each week and you are performing the material and substantial duties of your regular occupation.
Delayed effective date of coverage  Insurance coverage will be delayed if you are not an active employee because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.
Benefit Duration  The duration of your benefit payments is based on your age when your disability occurs. Your Long Term Disability benefits are payable while you continue to meet the definition of disability. Please refer to your plan document for the duration of benefits under this policy.
Definition of Disability  You are considered disabled when Unum determines that:
• You are limited from performing the material and substantial duties of your regular occupation due to sickness or injury; and
• You have a 20% or more loss of indexed monthly earnings due to the same sickness or injury.

The loss of a professional or occupational license or certification does not, in itself, constitute disability. However, loss of FAA Medical Certification due to a disability is considered an inability to perform your regular occupation.
You must be under the regular care of a physician in order to be considered disabled. 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.
Pre-existing Conditions  You have a pre-existing condition if: 
• You received medical treatment, consultation, care or services including diagnostic measures for the condition, or took prescribed drugs or medicines for it in the 60 months just prior to your effective date
of coverage; and
• The disability begins in the first 24 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 you are disabled, including such items as group disability benefits or other amounts you receive or are entitled to receive:
• Workers’ compensation or similar occupational benefit laws, including a temporary disability benefit under a workers’ compensation laws

• State compulsory benefit laws
• Automobile liability insurance policy
• No fault motor vehicle plan
• Third-party settlements
• Other group insurance plans
• A group plan sponsored by your employer
• Governmental retirement system
• Retirement payments
• Social Security or similar governmental programs
Exclusions and limitations  Benefits will not be paid for disabilities caused by, contributed to by, or resulting from:
• Intentionally self-inflicted injuries;
• Active participation in a riot;
• War, declared or undeclared or any act of war;
• Commission of a crime for which you have been convicted;
• Loss of professional license, occupational license or certification; or
• Pre-existing conditions (See the disclosure section to learn more).
The loss of a professional or occupational license does not, in itself, constitute disability. However, loss of FAA Medical Certification due to a disability is considered an inability to perform your regular occupation. Unum will not pay a benefit for any period of disability during which you are incarcerated. The lifetime cumulative maximum benefit for all disabilities due to mental illness is 12 months. Disabilities based primarily on self-reported symptoms are limited to 12 months. Only 12 months of benefits will be paid for any combination of such disabilities even if the disabilities are not continuous and/or are not related. Payments can continue beyond 12 months only if you are confined to a hospital or institution as a result of the disability.
Termination of coverage  Your coverage under the policy ends on the earliest of the following:
• The date the policy or plan is cancelled
• The date you no longer are in an eligible group
• The date your eligible group is no longer covered
• The last day of the period for which you made any required contributions
• The last day you are in active employment except as provided under the covered layoff or leave of absence

Underwritten by: Unum Life Insurance Company of America, Portland, Maine

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