Summary of Benefits

Available February 1, 2006

Active Employees, Family Members and Retirees. At your expense.

Monthly Benefit Maximum
Long Term Care (LTC) Facility $1,000 to $8,000 in $1,000 increments
Assisted Living Facility 100% of the LTC Facility amount
Professional Home Care Services 100% of the LTC Facility amount
Uncapped Compound Inflation Protection 5% compounded annually
Lifetime Maximum Amount 36X the LTC Facility amount OR 72X the LTC Facility amount OR Unlimited
Elimination Period 90 consecutive days

Evidence of Insurability Limits

Evidence of Insurability satisfactory to Unum is required for:
** Monthly Benefit Maximum Amount(s) greater than $7,000; or
** an Unlimited Lifetime Maximum Amount.

If Unum disproves your evidence of insurability, you will be insured for the amount selected up to the amount that does not exceed the evidence of insurability limit(s).

Changes in Coverage

For an Active Employee and the spouse of an Active Employee

Youcan apply at any time to change coverage by filling out a new Benefit Election Form and Application for Long Term Care Insurance. Changes in coverage will take effect at 12:01 a.m. on the later of:
** the first of the month after Unum approves your application, if approval is between the first and the fifteenth of the month; or
** the first of the second month after Unum approves your application, if approval is between the sixteenth and the end of the month.

The premium rate to be paid for any change in coverage is based on your insurance age. To determine insurance age, subtract your date of birth from the date you are applying for the change in coverage.

For all other insured persons

You can apply at any time to change coverage by filling out a new Benefit Election Form and Application for Long Term Care Insurance. Changes in coverage will take effect 12:01 a.m. on the first of the month after Unum approves your application.

The premium rate to be paid for any change in coverage is based on your insurance age. To determine insurance age, subtract your date of birth from the date you are applying for the change in coverage.

When Changes in Coverage Will Be Delayed

Changes in your coverage will not begin if you are absent from work because you are injured, sick, temporarily laid off, or on a leave of absense on the date the coverage would normally begin. Coverage will begin at 12:01 a.m. on the first day of the month after you return to work as an Actice Employee.

Discretionary Authority

In making any benefits determination under the Policy, Unum will have the discretionary authority both to determine your eligibilty for benefits and to construe the terms of the Policy.