You Are Protected While You Continue to Work for Insert Company Name

Dear colleague, We are pleased to tell you about our Critical Illness scheme from Unum - an important part of your benefits package. Critical Illness cover provides you with a tax-free lump sum payment if you[, your spouse,] or your children suffer a covered critical illness and survive for 14 days following the event. Typically, personal information isn’t required to receive full cover, but if you do need to answer any questions, we will let you know.

Who is covered?  You are protected while you continue to work for [insert company name]  All of your children are automatically covered for the same conditions as you. This includes step- children and legally-adopted children, aged between 30 days and 18 years, or 21 if they are in full- time education or vocational training.  [If applicable: Your spouse is also covered for the same conditions as you. This includes a legal spouse or civil partner]

How much is the lump sum payment?  For you: [£X - £X in £X increments]  For your children: 25% of your benefit up to a maximum of £25,000  For your spouse: [£X - £X in £X increments]up to your benefit amount, or a maximum of £150,000, whichever is lower

Which illnesses are covered? We have selected ‘Base’ cover, which includes the conditions listed below. The name of each critical illness should only be used as a guide. For a full definition of what is and isn’t covered, please ask [insert contact name] for a copy of the relevant section of our policy document.

Cancer - excluding less advanced cases Coronary artery bypass grafts Creutzfeldt-Jakob disease* Dementia including Alzheimer’s disease* Heart attack Kidney failure - requiring permanent dialysis Major organ transplant - from another donor Motor neurone disease* Multiple sclerosis - with persisting symptoms Parkinson’s disease and Parkinson plus syndromes* Stroke *resulting in permanent symptoms

As with all insurance policies, there are certain things that you are not covered for. Where you have previously experienced or have been undergoing medical investigations for a critical illness or related condition, you may be excluded from claiming under some critical illness events.

You also have access to the Unum LifeWorks Employee Assistance Programme, which includes access to a 24/7 confidential helpline. LifeWorks provides support on everyday issues covering family, money, health and wellness, telephone and valuable online information.

For further information about your Critical Illness cover, please contact [insert contact name]. [Employer’s signatory] A message to our customers A good benefits package, communicated well, can help to manage - and reduce - bottom line costs, and help to build a loyal and more productive workforce. Unum has created a number of examples, like the one featured above, to help you communicate your benefits to your employees. However, please be aware that these examples just provide a framework, rather than starting with a blank sheet. You will have your own view on the level of detail suitable for your employees and will want the communication to reflect your corporate style. Please also note that there are a number of sections in the leaflet which need to be tailored to fit and describe your scheme basis. Red square brackets ([ ]) highlight where you need to add information.

Please note: Although every effort has been made to ensure the accuracy of this leaflet, the scheme's legal documents prevail in the case of any dispute.

1 UK hospital episode statistics, 2013/14; HES England/ISD Scotland/NHS Wales/DHSSPSNI; 2 Macmillan 2014 Ca; 3 Health and social care information centre, 2015