1. Long term care insurance This is not intended to be a complete description of the Long Term Care insurance policy and some coverage options may not be available in all states. The insurance policy has exclusions and limitations that may affect any benefits payable. For costs and complete details of coverage, refer to Policy Forms TQGLTC95, TQGLTC95ER, TQB.LTC, GLTC04 or RGLTC04 (underwritten by Unum Life Insurance Company of America) or contact your insurance agent or Unum representative. Unum is the marketing brand. Long Term Care insurance is underwritten by Unum Group subsidiary: Unum Life Insurance Company of America, 2211 Congress Street, Portland, ME 04122 Unum Life Insurance Company of America has sole financial responsibility for all claims arising from the policy forms listed above and identified by the underwriting company. Unum Group and its other insuring subsidiaries bear no financial liability. ©2008 Unum Group. All rights reserved. PP-88-GLTC (8-04) (3-08)

2. 2 Why Unum Corporation? Proven Experience A heritage of more than 150 years Our Customer Commitment Professional, prompt, courteous service at what can be a difficult time in your life Financial Stability Strong financial ratings from leading agencies Unum Life Insurance Company of America is a subsidiary of Unum Group and is the underwriter for Long Term Care Insurance

3. 3 Remember when you thought you were invincible? Planning for your future Caring for children Caring for aging parents Planning for your retirement or health care You have a lot of things on your mind. How you pay for long term care shouldn’t be one of them.

4. 4 What is Long Term Care? Long term care (LTC) is the type of care received by someone who needs assistance performing the basic Activities of Daily Living (ADLs) or needs assistance because of severe cognitive impairment. Disabilities that require LTC can be caused by accidents, illnesses or chronic illnesses as a result of advanced aging.

5. 5 Who Needs Long Term Care? The majority of beneficiaries who receive long-term care services are age 65 and older but 37% are younger than 65. 1 About one out of four U.S. households is involved in the care of an older relative or friend. 2 1 Henry J. Kaiser Family Foundation, “Kaiser Commission on Medicaid and the Uninsured, July 2006, with data from CMS National Health Accounts,” 2006. 2 Society for Human Resource Management, “2006 Benefits Survey Report,” June 2006.

6. 6 Why Would You Need Long Term Care? A car accident leaves you unable to dress and bathe yourself You suffer a stroke and need care around the clock Your spouse is diagnosed with Alzheimer’s disease Could this happen to you?

7. 7 What’s Your Risk? The number of Americans with Alzheimer’s disease will continue to grow. By 2050, the number of individuals age 65 and over with Alzheimer’s could range from 11 million to 16 million unless science finds a way to prevent or effectively treat the disease. 1 Fifty-seven percent of the elderly in the community and 75 percent of those at high risk of needing nursing home care do not have enough assets to cover even a month in a nursing home. 2 Neither Medicare nor medical insurance provides the long term care coverage that some patients require. 1 Alzheimer’s Association. Alzheimer’s Disease Facts and Figures 2007, page 5. [cited 12 April 2007]; available from http://www.alz.org/national/documents/Report_2007FactsAndFigures.pdf 2 Alzheimer’s Association. Alzheimer’s Disease Facts and Figures 2007, page 11. [cited 12 April 2007]; available from http://www.alz.org/national/documents/Report_2007FactsAndFigures.pdf

8. 8 What’s The Cost? The national average cost of a private room in a nursing home is about $70,000 a year. 1 The average hourly rate for a home health aide is $25. Based on this rate, four hours of home health aide services daily would total about $36,500 a year. 2 The average base rate for a private room in assisted living care is about $33,300 per year. 3 1, 2, 3 Georgetown University, Long-Term Care Financing Project, "National Spending for Long-term Care Fact Sheet,” January 2007. The base rate usually covers the room, meals, housekeeping, laundry, and personal assistance with activities of daily living; a person may pay more for additional services such as therapies or medications. Most people don’t think about long term care until if affects someone close to you. But even the most conscientious person saving for retirement would feel the affects if an aging parent, child or close relative needed care due to a debilitating injury or illness. That’s because without long term care insurance, prolonged expenses can add up – quickly. For example:

9. 9 Who Pays? Medical Insurance doesn’t cover most long term care costs. Medicare only covers short term, skilled nursing home care following hospitalization, and only pays for short term assistance for care at home. Medicaid only pays after you have depleted your personal assets.

10. 10 How Do You Qualify for Benefits? Suffer a chronic illness Loss expected to last 90 days as certified by a Licensed Health Care Practitioner Plan of care Satisfy the elimination period

11. 11 What Is Meant by a Loss? Losing the ability to perform two Activities of Daily Living or suffering severe Cognitive Impairment Bathing Dressing Toileting Transferring Continence Eating

12. CUSD Long Term Care Plan Design Provisions Level of Care: –Long Term Care Facility –Professional Home & Community Care (formal care) –Total Choice Home Care (informal care) Monthly Benefit: –Choice of $2000 - $6000 benefit Benefit Duration: –2 Years, 3 years, or 4 years Lifetime Maximum –Monthly Benefit multiplied times number of months in duration –Lifetime pool of dollars Inflation Protection –5% Compound, Compounded Annually Elimination Period: –90 Days

13. Base Benefit – Provided to you by Chandler USD Level of Care: –100% Long Term Care Facility –50% Professional Home & Community Care (formal care) Monthly Benefit: –$2,000 Monthly Benefit Benefit Duration: –2 Years Duration Elimination Period –90 days Lifetime Maximum –$48,000

14. Choose Your Buy-Up Plan Design Option Option 1 –100% Facility Benefit –50% Professional Home Care Option 2 –100% Facility Benefit –50% Total Home Care Option 3: –100% Facility Benefit –50% Professional Home Care –5% Compound Inflation Option 4: –100% Facility Benefit –50% Total Home Care –5% Compound Inflation

15. 15 How Will You Pay for Care? Pool of Benefit Dollars (Lifetime Maximum) Care in Long Term Care Facility $3,000 a month x 3 years = $108,000 Care at Home $1,500 a month x 6 years = $108,000 Indemnity Based Contract Pays Selected Benefit Amount Regardless of Costs Incurred. Examples are for illustrative purposes only.

16. 16 Inflation Protection Option The “Pool of Benefit dollars” increases by 5% on a compound basis each policy anniversary for the life of the policy. Compound Uncapped Inflation Protection Option is an optional benefit that can help maintain the value of your LTC benefit over time. (Note: it is important to remember that even though benefit dollars increase, premiums will not.) Additional premium is charged for this option

17. 17 Additional Care Benefit Once you are eligible for a benefit payment, you will have access to the Additional Care Benefit designed to assist you in living at home or in other residential housing. You do not need to complete your elimination period for the Additional Care Benefit payment to begin. The lifetime maximum benefit is $5,000. GLTC04, RGLTC04

18. 18 LTC Connect SM Trained information specialists Confidential and impartial Toll-free access No additional cost and no obligation Quick answers on long term care topics Discount on facilities and equipment

19. 19 Why Buy Long Term Care Insurance Now? Guarantee Issue* The younger you are when you sign up, the lower the premiums Rates will not increase because of your age Your plan has continuation of coverage *Only available for some plan designs. We reserve the right to change premiums For this policy. To do so, we must change premiums for all similar policies issued in Your state on this policy form.

20. 20 Your Carefree Days of Youth May Be Behind You … But, with Long Term Care Insurance, you can rest a little easier.

21. Needed Paperwork If Employee does not elect additional coverage there is no paperwork needed If Employee Elects additional coverage –Benefit Election Form –Rate Disclosure Form Family Member –Benefit Election Form –Evidence of Insurability Form (All Amounts) –Rate Disclosure Form –Protection against Unintentional Lapse –Authorization & Agreement for Automatic Payments (All Family Except Spouse) http://w3.unum.com/enroll/CUSD Dedicated website for CUSD includes cost calculator and all applicable forms: If you have any questions, please call Unum at 800-227-4165

22. 22 Arizona Exclusions There are some instances when we will not pay a benefit: For a disability caused by war or an act of war, suicide, attempted suicide (while sane or insane) or self-destruction, the commission or attempted commission of a felony, confinements during which you are outside of the United States, its territories or possessions for longer than 30 days, alcoholism or drug addiction, hospital confinements, psychological, psychiatric or mental conditions. However, we will make payments to you for Alzheimer’s disease or similar forms of irreversible dementia, as defined in your policy. Arizona additional exclusion slide GLTC04, RGLTC04

23. 23 ©2008 Unum Group. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Policies or provisions may vary or be unavailable in some states. Policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability. PP-88 (8-04)ALL STATES EXCEPT ID, NY, OK, TX, VA This is not intended to be a complete description of the Long Term Care insurance policy and some coverage options may not be available in all states. The insurance policy has exclusions and limitations that may affect any benefits payable. For costs and complete details of coverage, refer to Policy Forms TQGLTC95, TQGLTC95ER, TQB.LTC, GLTC04 or RGLTC04 (underwritten by Unum Life Insurance Company of America) or contact your insurance agent or Unum representative. Unum is the marketing brand. Long Term Care insurance is underwritten by Unum Group subsidiary: Unum Life Insurance Company of America, 2211 Congress Street, Portland, ME 04122 Unum Life Insurance Company of America has sole financial responsibility for all claims arising from the policy forms listed above and identified by the underwriting company. Unum Corporation and its other insuring subsidiaries bear no financial liability.