User guide - including general terms

1 income Protection policyUser guide - including general termsIncome ProtectionBecause everyone needs a back-up planPage 2 of 46UP841 02 2016 income Protection policyUser guideThis document: Explains the main features of our income Protection (IP) product Includes the general terms which contain the detail of the insurance contract between the policyholder and Unum. The general terms and the policy document including the policy coverage document should be read as if they were one document. If parts of the user guide are referred to in the general terms or the policy coverage document, those parts also become part of the policy . If there is any difference between them or any ambiguity, the terms in the policy coverage document will apply Is designed for use by commercial customersThe policy provides: A monthly benefit if a member is unable to work because of illness or injury for an agreed length of time The option to provide.

2 Additional benefits covering associated business expenses and ongoing employment costs Additional lump sum benefits to be used at your discretionUnless specified, any references to employees include the equity partners of a partnership or members of a limited liability partnership or reference to employer is also intended to refer to the equity partners of a partnership, members of a limited liability partnership, or 3 of 46UP841 02 2016 Contents - user guideYour commitment 4 Risk factors 4 How your policy works 51. Who can be covered? 52. When will cover for a member end? 103. What types of cover are available? 114. What special coverage is available? 185. Putting cover in place and policy servicing 236.

3 Medical underwriting 277. Making a claim 308. Amendment and cancellation 399. Taxation 4010. Definitions of incapacity 4111. Further information 44 Page 4 of 46UP841 02 2016 Your commitmentBy taking out a policy with us, you agree to: Pay premiums on time Give us accurate and complete information when we ask for it Identify any discretionary entrants Notify us if there are significant changes to your business Notify us of claims within the time limits set out in this document Tell us of any change in the employment status of any claimants Facilitate and support actions to help employees stay in or return to work.

4 This includes making reasonable adjustments to working conditionsRisk factorsYou should be aware of the following risks: The rates used to calculate the premiums and the terms of this policy are usually guaranteed for 2 years and are then reviewed. However, we can amend the terms if there is a significant change to your business. Please see section 8 for more information Cover will end if you do not comply with the policy terms or if premiums are not paid If you do not notify us of a claim within the specified time limits, benefit payments may be delayed or deferred. We can refuse liability if you do not notify us of a claim within 90 days of the end of the deferred period The way that HMRC tax benefits may change in the future. The eligibility rules for and amount of state benefits available from the Department of Work and Pensions may also change.

5 If state benefits mentioned in this guide are withdrawn, we will advise you how we will treat the replacement benefitsPage 5 of 46UP841 02 2016 How your policy works1. Who can be covered?We will agree this with you at the start of the policy : We can cover all your employees or a clearly defined group of employees You can choose different eligibility conditions for different groups of employees We can provide cover up to an employee s 70th birthdayYou can choose: The categories of employee you want to be covered Minimum and maximum ages for joining the policy Whether cover starts immediately or after an employee has been employed for a certain amount of timeIn practiceYou can set up the policy to cover members of your pension scheme. If you want to do this, you will need to provide us with the eligibility conditions for the pension also decide when new members join the policy and increases in benefit take place.

6 This is usually on a daily basis but there are monthly, quarterly, half-yearly or yearly options. general termsMembershipThe eligibility conditions and the dates that employees can join the policy are shown in the policy coverage document. An employee can include: Permanent and fixed term employees, including directors, employed by you or another employer included in this policy An equity partner. A partner is defined as a person entitled to a share in the profits of the business A member of a Limited Liability Partnership who is working in the business A barrister who is a member of the set of chambers which arranges the policy If your policy has been set up to provide cover for members of your pension scheme, an employee who joins the pension scheme: Within 12 months of their first opportunity, or Through auto enrolment will be regarded as joining when they first became employees will be covered from the policy start date or when they are actively at work, if later.

7 Employees who become eligible later will be covered from the joining date shown in the policy coverage document or when they are actively at work, if must: Include all employees in the policy when they first become eligible At the start of the policy and at each policy anniversary provide us with details of all employees who meet the eligibility conditionsIf we do not receive the necessary information about an eligible employee, they will not become a member until the information is received and we have confirmed cover. Page 6 of 46UP841 02 2016 Actively at workWe will only cover an employee who is actively at work on the day before their cover is due to practiceAt the start of the cover, we will regard an employee as being actively at work if they meet the requirement on the day it applies but they are: On a period of leave that was agreed in advance by you, or Not contracted to workCover for an employee who is not actively at work will start once they return to work and meet the termsActively at workActively at work means that an employee.

8 Is actively following their normal occupation, and Is working the normal number of hours required by their contract of employment, and Is working at their normal business or at another business location, and Has not received medical advice to reduce or stop their work activityIncreases in cover A member must be actively at work on the day that any increase in benefit is due to take place Increases in benefit for a member who is not actively at work will come into effect once they return to work and meet the requirement The insured benefit cannot be increased during a period of temporary absencePage 7 of 46UP841 02 2016In practiceWe will set up a separate category for those being provided with extended there is no break in cover, you must provide us with details of an employee to be included in this category before they reach the cover cease members who are actively at work on the day they reach the cover cease age will transfer to the extended cover category at that coverCover cannot be provided beyond the member s 70th birthday.

9 The non-medical limit will apply to the extended cover category as long as: There are at least 3 members in the category, and You include all eligible employees working beyond the cover cease ageWhen a member transfers to the extended cover category, benefit in excess of the non-medical limit, or the whole benefit if the non-medical limit does not apply will be underwritten. We provide temporary cover on the benefit that is being underwritten. Please see section 6 for more information about temporary entrantsYou must tell us if you want to include an employee who is a discretionary entrant under your can ask us to include a discretionary entrant at any time. We will let you know: The information we need to assess if cover can be provided, and The date that cover will startExtended coverIf you have chosen a cover cease age which is below 70 but want to provide cover for an employee who works beyond the cover cease age, we can provide cover up to their 70th termsDiscretionary entrantsA discretionary entrant is an employee you want us to cover: Who was not included for cover as soon as they met the eligibility conditions, or Who does not satisfy the eligibility conditionsWe will provide a period of temporary cover while we assess if we can provide full cover.

10 Please see section 6 for more information about temporary 8 of 46UP841 02 2016 Cover during temporary absenceWe can provide cover for up to 3 years for those on unpaid leave - eg. reservists or those on sabbaticals. Cover during statutory leaveCover for a member can continue during any period of statutory leave as long as they remain employed by you. The terms of this policy will apply in exactly the same way as if the member was still actively following their occupation. general termsCover during temporary absenceCover for a member can continue during a period of agreed absence such as: A sabbatical or compassionate leave, or If they are serving as a regular or volunteer reservistCover is provided as long as: The member remains employed by you The period of absence is determined at the start and is less than 3 years You have given written consent, including the date of return, within one month of the absence startingDuring a period of temporary absence: The insured benefit cannot be increased Benefit will become payable on the later of: The end of the deferred period.