Disability Income Insurance

1. Disability Income Insurance Case Name Date: Date Goes Here

2. Short Term Disability Income Coverage Disability types: • Sickness disability • Non-occupational injury disability • Disability due to pregnancy (when disability begins 10 months after the effective date) • Disability due to complications of pregnancy Guaranteed renewable to age 72 There is no coverage for mental or nervous conditions

3. Total Disability/ First 12 Months • Total disability is where the insured is: • Unable to work at his or her SPECIFIC JOB;and • Not, in fact, working at his or her PLACE OF EMPLOYMENT for pay or benefits, and is • Under a doctor’s care for the covered injury or sickness causing such total disability • There are no benefits for partial disability • Benefits are payable for only one disability at a time

4. Portability • The employee can keep coverage regardless of employment or changing jobs as long as the premiums are paid and first deduction is taken • No change in premium rates • No change in benefits

5. Premium Rates • Unisex - same rates for males & females • Uni-tobacco - same rates for tobacco users and non-tobacco users • Rates are level and do not change as the employee gets older • Age Banded:17-49 50-59 60-67

6. Plan Design • Elimination Period: 0 Days for Accident 7 Days for Sickness • Benefit Period: 6 Months • Disability benefits are paid on the same frequency as payroll

7. Benefit & Underwriting • Up to 60% of gross salary may be covered • Up to $6,000 monthly benefit • Guaranteed issue up to $3,000 monthly benefit • Participation requirements may apply

8. For More Details, Contact Your Trustmark Representative Today. Disability Insurance is underwritten by Trustmark Insurance Company, Lake Forest, Illinois. Benefits are subject to terms and conditions of the policy certificate issued to you. Coverage may vary by state. For complete details of coverage including exclusions and limitations, refer to Plan DI-902.