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1 epsmoore_uuaa disabilityplan University of Utah Alumni Association 37756/37792/01007/42709 Batch ID: Family ID:

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5 Sponsored Disability Insurance Program Attention University of Utah Alumni Association Protect all that you've worked for with up to $10,000 per month in Disability Insurance Your Choice of 2 Plans Your Choice of Waiting Period Spouse Coverage Available Benefits paid for Rehabilitation, Paraplegia, Partial Disability, Mental & Nervous Disorders and much more 30-Day Money Back Guarantee See inside for details...,1)$"&2 #$

6 Safeguard your family's financial future now Protect your income with the UUAA sponsored Disability Income Insurance Plan. This coverage will provide you and your family with up to $10,000 per month in important insurance protection. That means bill-paying benefits will be there for you to use toward daily living expenses, mortgage payments, college tuition, car payments and medical bills should you become unable to work due to a disabling injury or accident. All alumni under age 60, actively working (at least 30 hours per week) and not in full-time military service may apply for up to $10,000 per month in benefits. Spouses or domestic partners of alumni who meet these same requirements may also apply for up to $2,000 per month under Plan II. Your Choice of Two Plans Plan I (for Alumni only)...if you are Totally Disabled by a covered accident or illness, you will receive benefits beginning on the day after your waiting period and continuing until you reach age 65 (24 months if disabled after age 65). Plan II (for Alumni and spouses)...if you are Totally Disabled by a covered accident or illness, you will receive benefits beginning on the day after your chosen waiting period and continuing for up to two full years. Your spouse can receive benefits up to a maximum of $2,000 per month. The benefit amount you apply for under Plan I, in combination with all other disability insurance in force or applied for (including Worker's Compensation, Social Security, employer-sponsored salary continuation, group or franchise plans or retirement programs), must not exceed 70% (50% if the monthly benefit amount applied for is $5,000 or more) of personal monthly earned income. The benefit amount you apply for under Plan II, in combination with all other disability insurance in force or applied for, must not exceed 75% of monthly earned income. Your Choice of Waiting Period You can opt for benefits to begin after 30, 60, 90 or 180 days of disability. Choose a waiting period that best suits your needs by comparing your current savings versus your expenses. If your savings can only meet one or two weeks' worth of expenses during a disabling illness, then select the 30-day waiting period. However, if you feel that you can meet your expenses for a longer period of time, then choose a 60-, 90- or 180-day waiting period. Managed Disability Approach The Hartford's innovative approach to Managed Disability emphasizes empowering people with disabilities so they're able to reach their full potential, and encourages a healthy lifestyle through prevention and wellness programs. When an individual becomes disabled, they are helped with rehabilitation and motivation to return to work as soon as reasonably possible. Residual Disability Benefits (Plan I Only) This benefit provides that a portion of your regular monthly benefit will continue to be paid as long as you are gainfully employed and your income is less than 75% of your pre-disability earnings, you are under age 64 and your benefit period has not expired. This assists you with supplemental income if you are still under a doctor's care, unable to perform all of your duties and forced into a different lower-paying job as the result of your disability. Rehabilitation Benefits (Plan I Only)If you participate in an approved vocational rehabilitation program within 31 days of receiving benefits, you will receive monthly benefits for up to 60 months while totally disabled. You will receive your regular monthly benefit less 50% of the gross income earned as a participant in the rehabilitation program. Your vocational rehabilitation program will include staff nurses and specially trained counselors. Each individual rehabilitation program is custom tailored to each claimant's needs and aspirations. Our counselors use skills assessment, job and transferable skills analysis, job modification, vocational testing, job placement assistance and retraining. Paraplegia Benefit This special benefit equals 10 times your chosen monthly disability benefit. It will be paid if you are under age 60 and have received Total Disability benefits for 12 consecutive months because either both of your upper or both of your lower limbs are completely and irreversibly paralyzed. Partial Disability Benefit You can receive 50% of your chosen monthly benefit if, because of an illness or injury, you are unable to perform one or more of the important duties of your regular occupation, you are not receiving Total Disability or residual disability benefits, and you are under the regular care of a physician. Partial disability benefits will be paid up to your maximum benefit period under Plan I after a seven-day elimination period. If the partial disability lasts for part of a month, you will receive a portion (1/60th) of your chosen monthly benefit for each day of partial disability. There is a seven-day elimination period for this benefit and it is payable for up to 180 days under Plan II. Benefits for Mental & Nervous Disorders, Alcoholism & Drug Addictions Benefits will be paid for Total Disabilities due to mental or nervous disorders, alcoholism, drug addiction or the use of a mind-altering drug. For illnesses which require psychiatric care at least twice a month, benefits will begin after the chosen waiting period and will continue for up to 24 months or to age 70, whichever occurs first. Thereafter, benefits will continue only under Plan I, and only if you are an inpatient in a hospital or institution and under a doctor's care. Survivor Benefit If the insured is Totally Disabled for more than 180 days, is receiving benefits immediately prior to their death and provided the maximum payment period has not been met, a special payment equal to three times their selected monthly benefit will be paid to their spouse, if living. If not, it will be paid in equal shares to their living children or, if there are none, to their estate. *National Safety Council, Accident Facts, 2001 edition. * *

7 Answers to Your Most Common Questions 1. Why is Disability Insurance a Good Investment? Did you know that one out of every eight adults will become disabled for a substantial time during his or her lifetime? Or that 2,200 people suffer a disabling injury every hour?* Should you become disabled, disability insurance provides an economical way to assure you and your family a stable income after your short-term benefits are depleted, and minimizes the need to tap into your hard-earned savings. The UUAA sponsored Group Disability Insurance Plan provides you with up to $10,000 a month to use as you like. It also gives you the flexibility of choosing the amount of income replacement coverage that best meets your family's needs. 2. How Much Coverage Do I Need? No two families are alike. That's why this plan gives you the flexibility to choose a coverage amount that fits your lifestyle. You can select to receive anywhere from $500 to $10,000 ($2,000 for spouses) a month, subject to income ratios. Base your selection on your current income level and remember that you may have additional medical costs to cover. 3. When Does Coverage Begin? Insurance will become effective on the 1st of the month following the date of approval of your application, provided the required premiums are paid. Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no additional expense to you. 7. What Other Insurance Products Does UUAA sponsor? UUAA also sponsors other products to fit your and your family's lifestyle needs. Please call toll-free at for more information about these and other insurance products. *"Why You Need Disability Insurance," Your Financial Planner, by Ric Edelman, Give yourself and your family the peace of mind you deserveat an affordable price. Apply for this valuable insurance Today. It's Easy to Apply! 1. Complete, date and sign the enclosed Application. If your spouse is also applying, please complete the form and sign where indicated. 2. Send no money now.you will be billed when your Certificate is issued. 3. Mail your completed Application in the enclosed return envelope. Or mail to: Marsh/Alumni Services P.O. Box Des Moines, IA Day Money Back Guarantee You will have 30 days from the date of receipt to review the insurance Certificate. If you are not satisfied with the terms of the Certificate, simply return it to the Insurance Administrator and any premiums paid will be fully refunded 4. When Does Coverage End? Coverage can continue until you retire, are no longer active full-time in your profession, or reach age 70, as long as you remain a member or spouse of a member, pay premiums, do not enter full-time military service and the Master Policy is in force. 5. Who May Apply? Can My Spouse Enroll? All Alumni under age 60, actively working (at least 30 hours per week), not in full-time military service and residents of the U.S. may apply for up to $10,000 per month in benefits. A spouse of an Alumni who meets these same requirements may also apply for up to $2,000 in monthly disability benefits under Plan II. 6. Why is UUAA sponsoring this insurance plan? The Group Disability Insurance Plan is sponsored by UUAA as an Alumni service to you. It allows you and your spouse to supplement your current insurance plan at an affordable group rate. UUAA incur no expense through the sponsorship of these programs

8 Provisions No Premium Payments During Disability If you become Totally Disabled prior to age 60, and receive benefits under the policy for six consecutive months, you will not have to pay any premiums for your disability income insurance coverage. Premium payments will resume when you are no longer Totally Disabled. Total Disability Definition Plan IYou will be considered Totally Disabled if you cannot perform the substantial and material duties of your occupation during your chosen waiting period and for the first 24 months thereafter. Once benefits have been paid for 24 months, you will be considered Totally Disabled if you cannot obtain any gainful occupation for which you are reasonably fitted by education, training or experience. Plan IIYou will be considered Totally Disabled if you cannot perform the substantial and material duties of your occupation during your chosen waiting period and for the first 24 months thereafter. Pre-Existing Conditions Limitation Plan II Only A pre-existing condition is a health problem for which you have received medical advice or treatment during the 12-month period immediately preceding the effective date of your insurance. Disabilities caused by pre-existing conditions will not be covered until you have had no medical advice or treatment for that condition for 12 consecutive months or you have been insured for 24 months. Repeat Claims Repeat disability claims due to different causes will be treated as separate disabilities, with a new waiting period and full benefit period. Repeat claims from the same cause will be treated as separate disabilities, with a new waiting period and full benefit period, if there are at least six months between disabilities. Otherwise, the benefits remaining under the original claim will be paid. Exclusions No benefits will be paid for any period of disability during which you are not under the direct care and treatment of a licensed physician. No benefits will be paid for any disability due to: self-inflicted injury while sane or insane; war or acts of war (declared or undeclared); illegal occupation or attempt to commit a felony; waiver or impairment riders; pregnancy (except with complications). Administered by: Marsh/Alumni Services P.O. Box Des Moines, IA Underwritten by: The Hartford 1 is one of the largest life and disability insurance groups in the U.S. Their investment portfolio is of the highest quality, and their financial returns continue to earn strong stable ratings in the industry. Hartford is rated A+ by A.M. Best, an independent industry analyst. 2 Along with a reputation for rock solid financial stability, this carrier has become known for its innovation in developing services and benefits for today's insurance climate. 1 The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life Insurance Company. Based on ratings as of 6/30/04 A+ is the second highest of 15 A.M. Best categories. This brochure provides a general description of the insurance plan offered and is not a contract. Complete terms are detailed in Group Policy No. AGP-5060 (Policy Form GMR) issued to the Group Policyholder, The Trustees of the Alumni Group Insurance Trust. Each insured individual will be provided with a Certificate of Insurance that summarizes the policy provisions affecting his/her coverage. Notice of Insurance Information Practices Your application is our major source of information. However, Hartford Life Insurance Company may also collect or verify information by contacting individuals or organizations which have information or records about you or others to be insured. Information regarding your insurability will be treated as confidential. Such information will not be disclosed to others without your authorization, except to the extent necessary for the conduct of our business. Hartford Life Insurance Company or its reinsurer(s) may, however, make a brief report thereon to the Medical Information Bureau, a non-profit membership organization of life insurance companies which operates an information exchange on behalf of its members. If you apply to another Bureau member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, the Bureau, upon request, will supply such company with the information in its file. Upon receipt of a request from you, the Bureau will arrange disclosure of any information it may have in your file. Medical information will be disclosed only to your attending physician. If you question the accuracy of information in the Bureau's file, you may contact the Bureau and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of the Bureau's information office is MIB, Inc., Post Office Box 105, Essex Station, Boston, Massachusetts 02112, telephone number (617) Hartford Life Insurance Company or its reinsurers may also release information in its file to other life insurance companies to whom you may apply for life or health coverage, or to whom you submit a claim for benefits. Upon written request, Hartford Life Insurance Company will provide you with information in your file. Medical information will be disclosed only through a physician you designate. Details regarding your right to correct or amend information in your file will be furnished upon written request. If you would like further details, contact Hartford Life Insurance Company, P.O. Box 2999, Hartford, CT , Attn: Group Benefits Division. Policy Form # SRP-1311 (HL) (5060) Printed in the U.S.A. œmarsh April 2004 Questions? If you have any questions or need more information about the UUAA sponsored 10-Year Group Term Life Insurance Plan, please call toll-free at * *

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