Benefits Update-New benefits now available to you You now have ...

Benefits Update-New benefits now available to youYou now have access to supplemental individual disability coverage through Unum.Supplemental individual disability insurance is designed to work with your group longterm disability plan, provided by SJMHS, to cover a higher percentage of your income.Some of the advantages of enrolling in the supplemental plan include:It’s voluntary coverage you pay for with post-tax dollars so benefits are tax freeunder current tax laws.It’s offered at a 30% discount because you’re buying it through the hospital.It supplements your group long term disability coverage and protects a higherpercentage of your income.During this enrollment, no medical exam is required for eligible employees whoare actively at work.¹ You will be asked a few eligibility questions.The supplemental individual disability policy belongs to you, even if youchange jobs.Follow these steps:Log onto www.Benefits4MedResidents.com/insjmhs.htm to learn more about thisbenefit and enroll by voice, paper, or online!Call 1-877-251-9472 to learn more about this benefit and receiveinstructions on how to enroll!*Unum representatives are not paid based on whether or not you purchase an insurance policy. Instead, they arethere to help answer questions on what products might best suit your insurance needs. They also can explainpricing and help you complete the application process.1 Available to employees who for 180 days prior to, and including the application date must: a) not have missed oneor more days of work or been homebound or admitted to a medical facility due to injury or sickness, and b) nothave had any restrictions or limitations to the ability to work on a full time basis due to injury or sickness. You willbe asked to meet additional requirements for lifetime continuation and catastrophic disability benefits.

This information is not intended to be a complete description of the insurance coverage available. The policy or itsprovisions may vary or be unavailable in some states. The policy has exclusions and limitations that may affect anybenefits payable. For complete details of coverage and availability, please refer to Policy Form 600 (Policy Form650 in CA and C600 in NY) and contact your Unum representative.Underwritten by:Provident Life and Accident Insurance Company, 1 Fountain Square, Chattanooga, TN 37402In New York, underwritten by: Provident Life and Casualty Insurance Company, 1 Fountain Square,Chattanooga, TN 37402Long term care coverage will be underwritten by one of Unum Group’s insuring affiliates.2008 Unum Group. All rights reserved. Unum is a registered trademark and marketingbrand of Unum Group and its insuring subsidiaries.