* * Imperial County Eligible Employee Enrolling in CA. Unum New Business Service Center P.O. Box Chattanooga, TN 37401

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1 Unum New Business Service Center P.O. Box Chattanooga, TN * * Imperial County Eligible Employee Enrolling in CA * * 2011 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. * *

2 * * As a benefit eligible employee of Imperial County, you may now participate in the voluntary employee benefit(s). In order to make an informed benefit selection, please take time to review the enclosed information. Your next step Review the enclosed information regarding your benefit options. 2. Select the benefit choices that are right for you and your family (if applicable). 3. Call the Enrollment Line at (866) from 10/26/ /18/2011. Convenient hours of operation are 8:00 am to 8:00 pm ET Monday Friday. Please have the enclosed benefit information with you when you call /18/2011 is the last day to apply. What s being offered Individual Interest Sensitive Whole Life Accident Insurance Specified Critical Illness Imperial County is excited to be able to offer these benefits and we hope that you will make every effort to learn more about them! * * 2011 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. G * *

3 Interest-sensitive whole life insurance Could your family members maintain their lifestyle without you? Unum s interest-sensitive whole life insurance can help. * * * * Make your mark on their future. Joan believes the best things in life happen in pairs, like her twin boys and her gracefully aging parents. If something should happen to her, she wants to take care of her loved ones so they can focus on taking care of each other. What happens after you re gone? of Americans think it s important for most 93% people to have life insurance, and yet nearly half of those surveyed say they don t have enough coverage. 1 75% of Americans with dependents worry how their family would manage financially without them. 2 Three reasons to buy this coverage at work now 1. You get affordable rates when you buy this policy through your employer. The premiums do not increase with age and are conveniently deducted from your paycheck. 2. You own the policy so you can keep it even if you leave the company or retire. Unum will bill you directly for the same premium amount. 3. Coverage becomes effective on the first day of the month in which payroll deductions begin. How to apply ) EN-1141 (5-10) $??? Your benefit enrollment is coming soon. To learn more, watch for information from your employer. MY WORKSHEET (This may help you decide how much coverage you need.) Outstanding debt How much will be left for your family to pay? Mortgage balance Other debt (credit cards, loans, car payment) TOTAL Ongoing expenses How much do your dependents need each year? Utilities (electric, phone, cable, Internet) Medical costs, insurance Food, clothing, gasoline Savings contributions (retirement) TOTAL Future plans How much will your loved ones need for the future? College Other (retirement, long term care) TOTAL GRAND TOTAL Subtract existing coverage Consider adding this amount of life insurance * *

4 Get the coverage you need. Interest-sensitive whole life insurance is offered to all eligible employees ages 15 to 80 who are actively at work. You decide if it s right for you or your family. Four features that add value 1. Accumulates cash value Guaranteed at a rate of 4%. You can borrow from the cash value or use it to buy a reduced policy with no more premiums due. 2. Living Benefit Option Rider Included on all policies. You can request an advance, up to 100% of the benefit amount (maximum of $150,000), if you re diagnosed with a terminal illness limiting life expectancy to 12 months or less Adds more coverage that s affordable If your employer gives you term life insurance, you have some coverage, but it may not be enough for your needs. You can buy interestsensitive whole life insurance at an affordable premium that is fixed and guaranteed for life. 4. Requires no physical exam During enrollment, you can get this insurance up to a specified amount without taking a health exam. You may be asked a few health questions. Additional purchase option Accidental Death Benefit Rider Available at initial enrollment to employees and spouses ages 15 to 65, this rider pays an additional death benefit equal to the base policy amount (subject to a $150,000 maximum) if the policy holder dies before age 70 as the result of a covered accident. Available family coverage Who can have it? Spouse policy Ages 15 to 80 Child term rider With purchase of employee or spouse policy, available to eligible children, stepchildren, legally adopted children and grandchildren (14 days to age 25*) of the primary insured adult. What s the benefit amount? Minimum policy amount of $2,000. Actual benefit amount based on coverage amount chosen and age at issue. $1,000 to $10,000 one rider covers all children. How long can they keep it? Even if you leave your employer, you can keep your spouse s policy and be billed directly at home. Rider ends when your policy ends or when children turn 25. At that time, children are guaranteed the right to buy an individual whole life policy at 5 times the amount of their rider. Child policy No employee or spouse purchase needed. Same eligibility and issue ages as child rider. Policies are individual. Benefit amounts based on age at issue and premium selected. Your children can keep it, even if you leave your employer. My interest-sensitive whole life coverage Amount I applied for: Cost per pay period: Date deductions begin: / / (For your records complete during your enrollment) Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN In NY, underwritten by: First Unum Life Insurance Company, New York, NY unum.com 2010 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with all state civil union and domestic partner laws when applicable. For employee information EN-1141 (5-10) *In NY, issue ages of children are 14 days to 14 years. 1 LIFE Foundation, Cost Tops Consumers List of Excuses for Not Getting Life Insurance, September 2, LIFE Foundation, Americans Willing to Risk Family s Financial Security to Save Money in Tough Times, September 18, In IL, MA, and WA, the Living Benefit Option Rider benefit may be requested if you are diagnosed with a terminal illness limiting life expectancy to 24 months. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations that may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability. ISWL 08 * *

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11 Accident insurance If you have an accident, will it hurt your bank account too? Unum s voluntary accident insurance gives you something to fall back on. * * * * Life can take a tumble. With a full-time job and three active kids, Marsha s a busy woman. And as a single mom, she s also thrifty. So if her kids break something other than a window, she doesn t want an injury to break her bank account as well. Benefits that pay for covered accidents while you are on the road to recovery Unum s coverage provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need. Examples of covered injuries include: broken bones burns torn ligaments concussion eye injuries ruptured discs cuts repaired by stitches Some covered expenses include: emergency room treatment doctor office visit hospitalization physical therapy See schedule of benefits for a full list of covered injuries and expenses. EN-1347 (5-10) Who s at risk? Americans make more than 42 million emergency room visits a year for unintentional injuries. 1 About two-thirds of disabling injuries suffered by American workers are not work-related. 2 An illustrative example of how accident coverage can help you with your expenses* 40-year-old claimant Accident: Fall at home Injury: Broken toe and ACL tear (knee ligament injury) Out-of-pocket expenses incurred: $100 emergency room copay $250 deductible $750 copay for surgery ($3,750 x 20%) $150 copay for 10 physical therapy visits Total out-of-pocket expenses: $1,250 Benefits paid: $150 emergency room copay $100 appliance (knee brace) $100 fractured toe $400 surgical ligament tear repair $ 50 follow-up appointment $150 for six physical therapy sessions Total benefit paid under policy: $950 *Costs of treatment and benefit amounts may vary. How to apply ) Your benefit enrollment is coming soon. To learn more, watch for information from your employer. * *

12 Get the coverage you need. Choose the coverage that s right for you. Your accident insurance plan can provide benefits for covered accidents that occur off the job. Accident insurance is offered to all eligible employees ages 17 to 80* who are actively at work. You decide if it s right for you and your family. Five reasons to buy this coverage at work 1. No health questions to answer. If you apply, you automatically receive this base plan. 2. You own the policy so you can keep it even if you leave the company or retire. Unum will bill you directly for the same premium amount. 3. Coverage becomes effective on the first day of the month in which payroll deductions begin. 4. Your base coverage is guaranteed renewable for life. 5. Premiums are conveniently deducted from your paycheck. Additional coverage option Hospital Confinement for Sickness Rider If offered by your employer, you may choose this coverage for an additional premium. This rider pays the insured employee, spouse or child(ren) a daily benefit if he or she is in the hospital for a covered illness. Amount is $100 per day for employee and spouse; $75 for children. The eligible age for employee and spouse is 17 to 67* and 14 days through 24 years for children. This rider is available to family members who are covered by the base plan. The rider includes a 12-month pre-existing condition limitation and a nine-month pregnancy exclusion. Employees and their spouses need to answer certain health questions when applying for this rider. Available family coverage Who can have it? Spouse coverage Child coverage My accident coverage Coverage plan chosen: Cost per pay period: Date deductions begin: Ages 17 to 80,* if actively at work or not disabled Available to eligible children, stepchildren, and legally adopted children, ages 14 days through 24 years,who are not disabled and/or married / / (For your records complete during your enrollment) In Vermont, insured individuals must be covered by comprehensive health insurance before applying for accident insurance. The policy is non-cancelable in MA. *In California, coverage is issued to eligible employees ages 17 to 64. In Florida and North Carolina, the amount is $200 per day for employee and spouse and $150 per day for children. 1,2 National Safety Council, Injury Facts, 2009 Edition. 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 that may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form L-21762, or contact your Unum representative. Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN unum.com 2010 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with all state civil union and domestic partner laws when applicable. THIS IS A LIMITED POLICY. EN-1347 (5-10) * *

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21 Voluntary specified critical illness insurance Can your wallet survive a serious illness? The answer can be yes with specified critical illness insurance from Unum. * * * * Life can change in a heartbeat. Heart problems run in Ann s family. But she has two active boys to keep up with. She d rather worry about their antics making her heart skip a beat, not the high cost of a heart condition. MY CRITICAL ILLNESS WORKSHEET Costs to consider* Medical deductible ($500) Out-of-pocket medical expenses ($4,000) (May include hospital stay, physician copays, physical therapy, medical equipment, prescription copays) Alternative treatments (16 sessions = $2,400) Home health care (2 weeks = $1,500) Child care (4 weeks = $800) Transportation to health facilities (as much as $700 for 2 plane tickets) Lodging near health facilities (as much as $1,000 for 5-night stay) Out-of-pocket expense total ($10,900) *For illustrative purposes only. Approximate costs based on national averages. Costs will vary. What s the risk? Every 26 seconds an American will have a coronary event, such as a heart attack or stroke. 1 Many patients pay as much as $5,000 or more per month out of pocket for cancer-treatment drugs even for generics. 2 Use your critical illness benefit any way you choose. Critical illness insurance pays you a lump sum benefi t at the fi rst diagnosis 3 of a covered illness.* It can be used however you choose for the expenses health insurance doesn t cover. Illnesses covered by the base plan include: heart attack stroke major organ transplant permanent paralysis due to a covered accident end-stage renal (kidney) failure coronary artery bypass surgery (pays 25% of lump sum benefi t) Illnesses covered by the enhanced plan include all of the above, plus: cancer carcinoma in situ 4 (pays 25% of lump sum benefi t) Please refer to the policy for complete definitions of covered critical illnesses. Your benefit enrollment is coming How to apply ) soon. To learn more, watch for information from your employer. * *

22 Get the coverage you need. Critical illness insurance is offered to all eligible employees age 16 to 69 (64 in California) who are actively at work. Choose the benefi t amount that s right for you from $5,000 to $50,000, in $1,000 increments. Three reasons to buy this coverage at work 1. You get affordable rates when you buy this policy through your employer, and the premiums are conveniently deducted from your paycheck. 2. You own the policy so you can keep it even if you leave the company or retire. Unum will bill you directly for the same premium amount. 3. Coverage becomes effective on the fi rst day of the month in which payroll deductions begin. Employer-selected benefit option Your employer may automatically include this option as part of your benefi ts, for an additional premium. Health Screening Benefit Rider This benefi t pays $50 per calendar year per insured individual if a covered health-screening test is performed, including blood tests, chest X-rays, stress tests, mammograms 5 and colonoscopies. Eligibility begins 30 days after the coverage effective date. A full list of more than 20 covered tests will be provided at your enrollment. Employee-elected benefit option Your employer may make this option available to you to purchase, for an additional premium. Enhanced (two payout) plan This plan includes all covered conditions previously listed and can provide an additional lump sum benefi t following diagnosis of cancer and/or carcinoma in situ. Policy provisions Reduction of benefits The benefit amount for the employee and spouse reduces by 50% on the first policy anniversary after the insured individual s 70th birthday, or five years after the policy effective date, whichever is later. Premiums for the policy will not be reduced. If partial benefits for coronary artery bypass surgery or carcinoma in situ have been paid prior to the reduction of benefits, then the new benefit amount will be calculated by applying the 50% to the benefit amount reduced by the prior payout. The additional Cancer and Carcinoma In Situ Benefit No benefits will be paid for cancer or carcinoma in situ if the date of diagnosis occurs during the first 30 days from the coverage effective date. My critical illness coverage Amount I applied for: Cost per pay period: Date deductions begin: / / (For your records complete during your enrollment) Available family coverage Who can have it? Spouse rider Age 16 to 64 with purchase of employee policy 6 What s the benefit amount? From $5,000 to $30,000 in $1,000 increments Child rider Available with purchase of employee policy for eligible children, stepchildren and legally adopted children, 14 days through 24 years (who are not married and are dependent on the employee for at least half of their support) 7 $5,000 or $10,000 one rider covers all children *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 benefi ts payable. For complete details of coverage and availability, please refer to Policy Form L or contact your Unum representative. In GA and PA, permanent paralysis is not a covered condition. Insured individuals are not eligible for coverage if supplementing a specifi ed disease (cancer) plan. In SD, waiting period for cancer is extended to 90 days. In CA, DE, GA, ME, OR, PA, TX and VT insured individuals must be covered by comprehensive health insurance before applying for CI05 insurance. Underwritten by: Provident Life and Accident Insurance Company 1 Fountain Square, Chattanooga, TN unum.com 2009 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1043 (10-09) FOR EMPLOYEE INFORMATION CI05 Unum complies with all state civil union and domestic partner laws when applicable. 1 The American Heart Association, Heart Disease and Stroke Statistics 2008 Update, January 29, The New York Times, Insurance Lags as Cancer Care Comes in a Pill, By Andrew Pollack, April 14, Benefi ts will not be payable for a covered critical illness if you or a covered dependant were diagnosed with or sought treatment for the same critical illness within the 10-year period prior to the coverage effective date. 4 Cancer that involves only cells in the tissue in which it began and that has not spread to nearby tissues. 5 In CA, mammograms are covered under the Enhanced plan. See your policy for benefi t details. 6 Employees and spouses may be covered under a policy or the Spouse Rider, but not both. 7 In UT, coverage for children is 14 days to 26 years. THIS IS A LIMITED POLICY. * *

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