Who depends

on you?

Enroll in
your
benefits!

CE-14205 (11-18)
What your benefits can do for you

Benefits are a valuable part of your compensation package. That’s why Titan Machinery has made these valuable
They can help protect important things like your income insurance products from Unum available for you and your
and your assets if you become sick or injured and can’t family. The voluntary benefits described in this booklet can
work. Some insurance products can help pay for expenses build on the benefits already provided by Titan Machinery,
that aren’t covered by your health insurance like co-pays, giving you the additional protection you and your family may
deductibles and other out-of-pocket expenses. Other plans need. Keep in mind that you get more competitive rates
can help your family deal with financial realities if you when you buy through the workplace. We encourage you
should die prematurely. to take a look at the information in this booklet so you can
make informed choices about these benefits.

What should
I do next?

Follow this step:

• Review the following benefit information.

Your benefit overview

BENEFITS FUNDING COVERAGE OPTIONS

Group Voluntary Term Life/ Employee-paid • Enroll for up to $200,000 for yourself and $50,000 for your
Accidental Death and spouse guaranteed issue.
Dismemberment (AD&D) Insurance • Apply for up to five times your annual salary to a maximum of
through Unum $500,000; Spouse maximum is up to 100% of Employee election
or $500,000; Child(ren) maximum is up to 100% of Employee
election or $1,000 from birth to 6 months, $2,000 to $10,000 for 6
months to age 26.

Group Voluntary Short Term Employee-paid • Benefit can pay 60% of your base earnings to a maximum of
Disability Insurance through Unum $3,300 per week.
• Benefits begin to accrue after 0 days of disability due to a covered
injury; 7 days of disability due to a covered sickness.

Group Long Term Disability Employer-paid • Benefit can pay 60% of pre-disability earnings to a maximum of
Insurance through Unum $6,000 per month; benefit begins after 90 days of disability.

Group Accident Insurance Employee-paid • Voluntary coverage can pay a specific dollar amount for both
through Unum on-the-job and off-the-job accidents.
• Family coverage also available.

Group Critical Illness Insurance Employee-paid • Voluntary coverage can pay a specific dollar amount upon
through Unum diagnosis of a covered critical illness.
• Child(ren) coverage included; spouse coverage available.

3
Group Voluntary Term Life Insurance
employee-paid

Why consider Group

Voluntary Term Life?
If you work 40 hours a week or more, you have $10,000 of In order to purchase life and AD&D insurance for your spouse and
basic Term Life Insurance paid for by Titan Machinery, Inc. It’s eligible children, you must buy coverage for yourself. They cannot
a good foundation, but you may need more coverage to help have more coverage than you.
meet your specific needs. Group Voluntary Term Life provides If you elect AD&D Insurance, the amount of your AD&D Insurance
additional term life insurance at affordable group rates. And will match the amount of your Life Insurance. This applies to
you get to choose the amount of coverage that’s right for you. employee, spouse and child coverage.

Who is eligible? Coverage amounts for life insurance for you and your spouse will
reduce to 65% on your plan anniversary date the year you reach
If you are an active employee (see next page) and work at least
age 65, and will reduce to 50% on your plan anniversary date the
40 hours each week, you may apply for coverage for yourself, your
year you reach age 70. Coverage may not be increased after a
spouse and eligible children* up to age 26.
reduction.
How much coverage can I get?
Features you’ll appreciate:
Employee — Up to $200,000 guaranteed issue amount (see
next page). Accelerated benefit* — If you become terminally ill and are not
Spouse — Up to $50,000, guaranteed issue amount. expected to live more than 12 months, you may request up to
Children — Up to 100% of your coverage, in increments of $2,000, 100% of your life insurance amount, to a maximum of $250,000
to a maximum of $10,000 guaranteed issue amount. or the plan maximum, whichever is less, without fees or present
value adjustments. A doctor must certify your condition. Upon
Once you are enrolled in the plan, you, your spouse and your your death, any remaining benefit will be paid to your designated
eligible children may purchase additional life coverage up to the beneficiaries.
guaranteed issue amounts without evidence of insurability.
Portability/conversion — If you retire, reduce your hours or leave
Can I apply for more coverage? Titan Machinery, Inc., you can continue coverage for yourself, your
spouse and your dependent children at the group rate. Portability
Employee — Up to 5 times your annual salary in increments of
is not available for those who have a medical condition which
$10,000, to a maximum of $500,000. Amounts over the guaranteed
could shorten their life expectancy. In that case, you may be able to
issue limit will require evidence of insurability (see next page).
convert the term life policy to an individual life insurance policy.
Spouse — Up to 100% of your coverage in increments of $5,000, to
Conversion — This allows you and your dependents to convert
a maximum of $500,000. Amounts over the guaranteed issue limit
your coverage (or a lesser amount) to an individual, level premium,
will require evidence of insurability.
whole life policy if your coverage ends.
Retained asset account ­­— Benefits of $10,000 or more are paid
through Unum’s retained asset account. This interest-bearing
account gives your beneficiary access to your life insurance
proceeds via bank draft. This service allows your beneficiary time
to decide how to best manage proceeds. He or she may write
drafts for a minimum of $250 up to the full amount, or leave
money in the account as long as desired.
Life Planning Financial & Legal Resources — Financial and
legal support and counseling is available for beneficiaries and for
covered employees and their spouses who are terminally ill.

*Benefits may be taxable as income. Individuals should consult with their tax advisor.

4
 Voluntary Term Life coverage rates
Rates shown are your monthly deduction. Your rate will increase as you move to the
next age group.
Employee rate Spouse rate
Age
per $10,000 per $5,000
Waiver of premium — If you become disabled (as defined by your < 35 $.80 $.40
plan) and are no longer able to work, your life premium payments 35 –39 $1.10 $.55
will be waived during the period of disability.
40 – 4 4 $1.80 $.90
Included with your AD&D plan 45 – 49 $2.80 $1.40
Education benefit — If you die within 365 days of a covered 50 – 54 $4.90 $2.45
accident, this benefit can help defray the cost of tuition for 55 – 59 $8.90 $4.45
your children if they are in college or other post-secondary
60 – 64 $12.00 $6.00
school training.
65 – 69 $28.50 $14.25
Seat belt and airbag benefit — Pays an additional 10% benefit up
70+ $50.00 $25.00
to $25,000 if you die in a covered private passenger car accident
Child life monthly rate is $0.36 per $2,000. One life premium covers all children.
while wearing a seat belt. An extra 5% benefit is paid if the seat is
protected by an airbag and seat belt and your seat belt is properly AD&D coverage rates — monthly
fastened. The total combined maximum seat belt/airbag benefit AD&D cost Cost
is $30,000.
Employee per $10,000 $.50
Insurance terms explained Spouse per $5,000 $.15
Guaranteed issue — Newly hired or newly eligible employees Child per $2,000 $.06
may apply for up to $200,000 of Term Life Insurance for yourself Cost calculation
and up to $50,000 for your spouse without answering any health
To calculate your cost, select your coverage amount and rate based on your insurance
questions or taking a physical exam. That’s what is meant by age. To calculate your insurance age, subtract your year of birth from the year your
guaranteed issue. coverage becomes effective.

Evidence of insurability — If you did not enroll when you were For example: Let’s say you are 38 and a non-tobacco user who would like to apply
for $50,000 of Voluntary Term Life Insurance. Take $50,000 and divide it by $10,000.
originally eligible or elect coverage amounts above the guaranteed Multiply that number by $1.10 (your rate based on your insurance age) and you get a
issue for yourself or your spouse, you will need to fill out and sign monthly cost of $5.50.
a medical history form. You may also be asked to take a health
Voluntary Term Life calculation worksheet
exam. That’s what is meant by providing evidence of insurability.
Coverage amount Increment Rate Monthly cost
Active employment — You are considered in active employment,
Employee $__________ ÷ $10,000 x $__________ =$_____________
if on the day you apply for coverage, you are being paid regularly
by Titan Machinery, Inc. for working at least 40 hours each week, Spouse $__________ ÷ $5,000 x $__________ =$____________
and you are performing the material and substantial duties of your Children $__________ ÷ $2,000 x $__________ =$____________
regular occupation.
TOTAL MONTHLY COST = $_____________

AD&D calculation worksheet

Coverage amount Increment Rate Monthly cost
Employee $__________ ÷ $10,000 x $__________ =$_____________
Spouse $__________ ÷ $5,000 x $__________ =$____________
Children $__________ ÷ $2,000 x $__________ =$____________
TOTAL MONTHLY COST = $_____________

*An unmarried handicapped dependent child who becomes handicapped prior to

the child's attainment of age 26 may be eligible for benefits. Please see your plan
administrator for details on eligibility.
Life Planning Financial & Legal Resources services, provided by HealthAdvocate, are
available with select Unum insurance offerings. Terms and availability of service are
subject to change. Service provider does not provide legal advice; please consult your
attorney for guidance. Services are not valid after coverage terminates. Please contact
your Unum representative for details.

5
Group Voluntary Short Term Disability Insurance
employee-paid

Why do you need Short Term

Disability Insurance?
It’s not life-threatening — a broken leg, hysterectomy or maybe What kind of coverage is available?
you’re planning on having a baby — but you’re going to miss
You are eligible to receive benefits after you have been unable to
work for several weeks, even a month or two. How are you work for 0 days due to a covered injury or 7 days due to a covered
going to pay the bills? Maybe you have a week or two of sick illness.
leave or earned time off, but after that, what happens?
If you meet the definition of disability (see information at the back
There’s a lot depending on your paycheck — that’s why Short Term of the booklet), you would be eligible to receive a weekly benefit
Disability Insurance is so important. It can pay you a percentage of of 60% of your weekly earnings to a maximum of $3,300 per
your income if you become temporarily disabled due to a covered week. You may receive a benefit for up to 12 weeks.
illness or accident.
The amount of benefit you receive from the plan may be reduced
Fortunately, Titan Machinery, Inc. provides you the opportunity or offset by income from other sources such as automobile liability
to purchase Unum Short Term Disability Insurance at competitive insurance, legal judgments and settlements, certain retirement
rates with the convenience of payroll deduction. You are eligible plans, other group or association disability programs or insurance
for Short Term Disability coverage if you are an active employee and amounts you or your family receive or are entitled to receive
working a minimum of 40 hours per week. from Social Security or similar governmental programs.

Newly eligible employees may apply for coverage without A feature you’ll appreciate:
answering any medical questions if applying for coverage within
• Rehabilitation and return-to-work assistance — If you are
31 days after your eligibility date. If you apply more than 31 days
deemed eligible and are participating in the program, Unum will
after your eligibility date, you will be required to provide evidence
pay an additional benefit of 10% of your gross disability payment
of insurability in order to qualify for coverage.
to a maximum of $250 per week.

Group Voluntary Short Term Disability rates

per $10 of Volume
Age Amount Age Amount
under 25 $.174 50–54 $.583
25–29 $.257 55–59 $.711
30–34 $.348 60–64 $.919
35–39 $.331 65–69 $1.117
40–44 $.347 70+ $1.117
45–49 $.427

Here’s how to calculate your per-paycheck cost

______________ ÷ 52 = ______________ x _______________ = _______________
Annual salary Weekly salary Benefit % Weekly benefit
______________ ÷ 10 = ______________ x _______________ = _______________
Weekly benefit Your rate Monthly cost
______________ x 12 = ______________ ÷ _______________ = _______________
Monthly cost Annual cost # paychecks Cost per
Paycheck

If your annual salary exceeds $286,000, use $286,000 as your annual salary for this
calculation. Final costs may vary due to rounding.

6
Group Long Term Disability Insurance
employer-paid

What happens if you get

sick or seriously hurt?
What would happen if you were seriously injured in a car How long do payments last?
accident or were diagnosed with cancer? You may eventually get Your duration of benefits is based on your age when the disability
better, but it may take a long time. And it is possible you might occurs. Your LTD benefits are payable for the period during which
never be able to return to work. you continue to meet the definition of disability. If your disability
occurs before age 60, benefits will be payable until age 65. If
In addition to dealing with health issues, how would you make
your disability occurs at or after age 60, benefits would be paid
your house and car payments, buy food, clothing and other
according to a benefit duration schedule.
essentials? A lot depends on your paycheck — that’s why Titan
Machinery provides Long Term Disability Insurance from Unum. Additional features included in your Long Term
You are eligible for Long Term Disability coverage if you are an Disability policy:
active employee working a minimum of 40 hours per week. • Rehabilitation and return-to-work assistance — If you are
deemed eligible and are participating in the program, Unum will
What kind of coverage is provided? pay an additional benefit of 10% of your gross disability payment
Once you are disabled for 90 days as defined by the plan (see to a maximum of $1,000 per month.
information at the back of the booklet), the benefit can pay
• Dependent care expense benefit — If you are disabled and
60% of your pre-disability monthly earnings, to a maximum of
participating in the rehabilitation and return-to-work assistance
$6,000 per month.
program and have dependent care expenses, you may receive
The amount of benefit you receive from the plan may be the dependent care expense benefit — $350 per dependent,
reduced or offset by income from other sources such as legal per month, to a maximum of $1,000 per month for all eligible
judgments, certain retirement plans and the amounts you receive dependents combined.
or are entitled to receive as disability income from workers’ • Survivor benefit — Your eligible survivor will receive a lump-
compensation, a state compulsory benefit plan, a group plan sum benefit equal to three months of your gross disability
sponsored by your employer, and the amount you (and your payment if, on the date of your death, your disability had
family, if applicable) receive or are entitled to receive as disability continued for 180 or more consecutive days, and you were
payments under Social Security disability. receiving or were entitled to payments under the plan.

My family
depends on me.

7
Worldwide emergency travel assistance
Whether you are traveling for business or personal reasons, Unum’s
worldwide emergency travel assistance program is there to help
you when an unexpected emergency occurs. With one phone call
any time of the day or night, you, your spouse and dependent
children can get immediate assistance anywhere in the world.
Emergency travel assistance is available to you when you travel to
any foreign country, including neighboring Canada or Mexico. It is
also available anywhere in the United States for those traveling 100
or more miles from home. Your spouse and dependent children do
not have to be traveling with you to be eligible.*
There are no geographical or pre-existing condition exclusions, and
no exclusions on scholastic, professional or adventure sports. My mom and daughter
*A spouse traveling on business for his or her employer is not covered by the program.
depend on me.
Employee Assistance Program (EAP)
With your Employee Assistance Program and Work/Life Balance
services, confidential assistance is as close as your phone or
computer. Your EAP is designed to help you lead a happier and
more productive life at home and at work. You have confidential
access to a Licensed Professional Counselor* who can help you.
You can also reach out to a specialist for help with balancing work
and life issues and one of our Work/Life Specialists can answer
your questions and help you find resources in your community.
Unum’s EAP services are available to all eligible employees, their
spouses, dependent children, parents and parents-in-law. There’s
no additional charge and you don’t have to file a disability claim to
use it.
* The counselors must abide by federal regulations regarding duty to warn of harm
to self or others. In these instances, the consultant may be mandated to report a
situation to the appropriate authority.

Work-life balance employee assistance program services are provided by

HealthAdvocate. Worldwide emergency travel assistance services are provided by
Assist America, Inc. Services are available with select Unum insurance offerings. Terms
and availability of service are subject to change and prior notification requirements.
Service providers do not provide legal advice; please consult your attorney for
guidance. Services are not valid after coverage terminates. Please contact your Unum
representative for details.

8
Group Accident Insurance
employee-paid

Hearing the word “oops”

is never a good thing.
Maybe your spouse fell off the ladder while cleaning the Why should I buy at work?
gutters, or your child tripped and broke a tooth playing • No health questions to answer.
outside, or you threw your back out cleaning the garage. • This plan is portable. You may take the coverage with you if you
Unexpected accidents always have lousy timing, especially when leave the company or retire without having to answer health
you are responsible for insurance deductibles and out-of-pocket questions. Unum will bill you directly.
costs. You need a plan that helps you protect your family and your • Coverage becomes effective on the first day of the month in
wallet. Unum's Accident Insurance gives you something to fall which payroll deductions begin.
back on.
• Premiums are conveniently deducted from your paycheck.
How does it work?
Accident Insurance can help provide financial protection if you
suffer a covered injury and need treatment. It can pay a benefit
directly to you to offset the high cost of co-pays, deductibles and
other expenses your medical insurance doesn't cover. This plan also
covers on-the-job accidents.
Unum's coverage provides a lump-sum benefit based on the type
of injury (or covered incident) you sustain or the type of treatment
you need.

Family coverage options

• Employee — If you are actively at work (see information at the Accident rates
back of the booklet)
• Spouse — Ages 17–64
Accident coverage Monthly cost
(includes Wellness Benefit)
• Child(ren) — Dependent children age newborn until their 26th
birthday, regardless of marital or student status Employee $14.93
Employees must be legally authorized to work in the U.S. and
Employee and spouse $24.61
actively working at a U.S. location. Spouses and dependents must
live in the U.S. to receive coverage. Employee and child(ren) $26.94
Features you'll appreciate Employee, spouse and child(ren) $36.62
• Catastrophic Benefit — This pays an additional sum if a covered
individual has a serious injury — such as loss of sight, hearing or
a limb.
• A Wellness Benefit is also included — Based on the plan
selected by your employer, this benefit can pay $50 per calendar
year per insured individual if a covered health screening test is
performed, including:
– Blood tests
– Chest X-rays
– Stress tests
– Colonoscopies
– Mammograms
A full list of covered tests will be provided in your certificate.

9
Schedule of Benefits

Covered injuries Benefit amount Emergency and Accidental death and other
Benefit amount Benefit amount
Fractures hospitalization benefits covered losses
Open Up to $7,500 Ambulance1 Accidental death*
(ground, once per accident) $400
Closed Up to $3,750 Employee $50,000
Air ambulance $1,500
Chips 25% of closed amount Spouse $20,000
Emergency room treatment $150
Dislocations Child $10,000
Emergency treatment
Open Up to $6,000 Initial accidental dismemberment — one benefit per accident,
in physician office/urgent
not payable with initial accidental loss
Closed Up to $3,000 care facility $75
Loss of both hands or both feet; or $15,000
Burns Hospital admission
(admission or intensive care admission Loss of one hand and one foot; or $15,000
At least 10 square inches, but less 2nd degree – $0 once per covered accident) $1,000
than 20 square inches 3rd degree – $2,500 Loss of one hand or one foot; $7,500
Intensive care admission
At least 20 square inches, but less 2nd degree – $0 Loss of two or more fingers, toes or
(same as above) $1,500 any combination; or $1,500
than 35 square inches 3rd degree – $5,000
Hospital confinement Loss of one finger or toe $750
35 or more square inches of the body 2nd degree – $1,000 (per day up to 365 days) $200
surface 3rd degree – $10,000 Catastrophic accidental dismemberment**
Intensive care confinement — once per lifetime, not payable with catastrophic loss5
Skin grafts for 2nd and 3rd
(per day up to 15 days) $400 Loss of both hands or both feet; or loss of one hand and one foot
degree burns 50% of burn benefit
Medical imaging test
Skin graft for any other accidental traumatic loss of skin
(once per accident) $200 Employee (prior to age 65) $100,000
At least 10 square inches, but less
than 20 square inches $150 Outpatient surgery facility service – Spouse and child $50,000
(once per accident) $300
At least 20 square inches, but less Employee (ages 65–69) $50,000
than 35 square inches $250 Pain management
(epidural, once per accident) $100 – Spouse and child $25,000
35 or more square inches of the body
Employee (70+ years old) $25,000
surface $500 Treatment and
Benefit amount
Concussion $150 other services – Spouse and child $12,500

Surgery benefit Accidental loss — paralysis, sight, hearing and speech 6

Coma $10,000
Initial accidental loss — one benefit per accident, not payable
Ruptured disc $800 Open abdominal, thoracic $1,500 with initial dismemberment
Knee cartilage Exploratory (without repair) $150 Permanent paralysis; or $15,000
Torn $750 Hernia repair $150 Loss of sight of both eyes; or $15,000
Exploratory $150 Physician follow-up visit Loss of sight of one eye; or $7,500
(2 visits per accident) $75
Laceration $25–$600
Loss of the hearing of one ear $7,500
Chiropractic visit2
Tendon/ligament and rotator cuff
(up to 3 visits per calendar year) $25 Catastrophic accidental loss** — once per lifetime, not payable
Repair of one $800 with catastrophic dismemberment
Therapy services (up to 10 per accident) Permanent paralysis; or loss of hearing in both ears; or loss of
Repair of two or more $1,200
Occupational therapy $25 the ability to speak; or loss of sight of both eyes
Exploratory only $150
Speech therapy $25 Employee (prior to age 65) $100,000
Dental work, emergency
Physical therapy $25 – Spouse and child $50,000
Extraction $100
Prosthetic device or artificial limb Employee (ages 65–69) $50,000
Crown $300
One $750 – Spouse and child $25,000
Eye injury $300
More than one $1,500 Employee (70+ years old) $25,000

Appliance (once per accident) $100 – Spouse and child $12,500

Blood, plasma and platelets $400

Travel due to accident3
Transportation of more than 50+ miles
from residence; 3 trips per accident;
max 1,200 miles per
round trip4 $0.40 per mile
Accident coverage is a limited policy.
*The accidental death benefit triples if the insured individual Lodging
(per night up to 30 days per accident)
is injured as a fare-paying passenger on a common carrier:
$150
Employee–$150,000; spouse–$60,000; child–$30,000.
**Catastrophic accidental benefit — payable after fulfilling a Rehabilitation unit confinement
(per day up to 15 days; max 30 days
365-day elimination period.
per calendar year) $100

10
Group Critical Illness Insurance
employee-paid

Could your bank account

survive a serious illness?
Thanks to modern medicine, more people are surviving Cancer conditions:
heart attacks, strokes and other critical health problems. But • Cancer
the “cure” often comes at a high price. Even with medical • Carcinoma in situ* (pays 25% of the lump-sum benefit)
insurance, you could face thousands of dollars in out-of- Please refer to the policy for complete definitions of covered
pocket costs such as: conditions.
• Co-pays and deductibles
Who can apply for coverage?
• Prescriptions
Employee — If you are actively at work (see information at the
• Rehabilitation
back of the booklet), you are eligible to elect $10,000, $20,000 or
• Alternative treatments $30,000 in coverage.
• Transportation to health facilities
Child(ren) — Eligible dependent children age newborn until
• Family travel for visits
their 26th birthday, regardless of marital or student status, are
How does it work? automatically covered at 50% of the employee benefit amount
Critical Illness Insurance can pay a lump-sum benefit at the at no additional cost. They will receive coverage for the same
diagnosis of a covered illness. You choose the level of coverage conditions as the employee, as well as the following specific
— $10,000, $20,000 or $30,000. You can sign up during Titan childhood conditions: cerebral palsy, cleft lip or palate, cystic
Machinery’s enrollment period and apply for coverage up to fibrosis, Down syndrome and spina bifida. Diagnosis must occur
$30,000 with no medical questions. after the child's coverage effective date.
Spouse — Spouses age 17 to 64 are eligible to elect $5,000,
The money is paid to you, not to a medical provider such as a
$10,000 or $15,000 in coverage with the purchase of employee
doctor or hospital. You can use the money any way you see fit,
coverage.
so you can stay focused on getting well, rather than on your bills.
And the amount you receive is not reduced if your health insurance Employees must be legally authorized to work in the U.S. and
pays for some of your treatment. actively working at a U.S. location. Spouses and dependents must
live in the U.S. to receive coverage.
What's covered?
The following specified critical illnesses are covered under the Key advantage
base plan: You can use this coverage more than once. If you receive a
• Heart attack full benefit payout for a covered illness, your coverage can be
• Blindness continued for the remaining covered conditions. The diagnosis of
• Major organ failure a new covered illness must occur at least 90 days after the most
recent diagnosis and be medically unrelated. Each condition is
• End-stage renal (kidney) failure
payable once per lifetime.
• Coronary artery bypass surgery (pays 25% of lump-sum benefit)
• Benign brain tumor
• Stroke (evidence of persistent neurological deficits confirmed at
least 30 days after the event)
• Coma (resulting from severe injury lasting 14 consecutive days or
more)
• Occupational HIV
• Permanent paralysis (complete and permanent loss of the use
of two or more limbs for a continuous 90 days as a result of a
covered accident)

11
Why should I buy at work?
• You get affordable rates when you buy this coverage through
Critical Illness Monthly Premium per $1,000
**Children are automatically covered at 50% of employees amount
your employer, and the premiums are conveniently deducted
from your paycheck. Age Non-tobacco Non-tobacco Tobacco Tobacco
• Coverage is portable. You may take the coverage with you if Employee Spouse Employee Spouse
Rates Rates* Rates Rates*
you leave the company or retire without having to answer new
health questions. Unum will bill you directly. <25 $.26 $.26 $.34 $.34
25–29 $.32 $.32 $.46 $.46
A Wellness Benefit is also included 30–34 $.39 $.39 $.63 $.63
Based on the plan selected by your employer, this benefit can pay 35–39 $.53 $.53 $.99 $.99
$75 per calendar year per insured individual if a covered health
40–44 $.87 $.87 $1.72 $1.72
screening test is performed, including:
• Blood tests 45–49 $1.29 $1.29 $2.71 $2.71
• Chest X-rays 50–54 $2.01 $2.01 $4.22 $4.22
• Stress tests 55–59 $2.74 $2.74 $5.67 $5.67
• Colonoscopies
60–64 $4.35 $4.35 $8.82 $8.82
• Mammograms
65–69 $6.28 $11.33
A full list of covered tests will be provided in your certificate.
70-74 $6.87 $11.80

More about cancer coverage 75-79 $8.17 $12.21

• Your policy also contains cancer coverage. 80-84 $8.77 $13.13

• Upon first diagnosis of cancer, as defined in the policy, you will 85+ $15.05 $18.56
be paid up to 100% of the benefit amount.
*Spouse issue age 17-64.
• Upon first diagnosis of carcinoma in situ,* as defined in the
policy, you will be paid 25% of the benefit amount.
Calculate your monthly cost
Employee coverage:
_____________ / ______ X ______ = _________ + $2.40 = __________
Benefit amount 1000 Your Rate Wellness Monthly Cost
Rate

Spouse coverage:
_____________ / ______ X ______ = _________ + $2.40 = __________
Benefit amount 1000 Your Rate Wellness Monthly Cost
Rate

For illustrative purposes only. Actual cost may vary.

THIS INSURANCE PROVIDES LIMITED BENEFITS.

Refer to the back of the booklet for benefit limitations.
*Carcinoma in situ is defined as cancer that involves only cells in the tissue in which it
began and that has not spread to nearby tissues.

12
 Limitations, exclusions, terminations

GROUP VOLUNTARY TERM LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D)
Full benefit paid for loss of: life; both hands, or both feet, or sight of both eyes; one hand and
Guaranteed issue one foot; one hand or one foot and the sight of one eye; speech and hearing.
If you and your eligible dependents enroll within 31 days of your eligibility period, you may
apply for any amount of coverage up to $200,000 (or the lesser of 5x your annual salary) for Other losses may be covered as well. Please contact your plan administrator.
yourself and any amount of coverage up to $50,000 for your spouse. Any coverage over the
guaranteed issue amounts will be subject to evidence of insurability. If you and your eligible Limitations & exclusions
dependents do not enroll at this time, you can apply for coverage only during an annual Accidental death and dismemberment benefits will not be paid for losses caused by,
enrollment period and will be required to furnish evidence of insurability for the entire contributed to by, or resulting from:
amount of coverage. • Disease of the body;
If you and your eligible dependents enroll at this time and later wish to increase your • Diagnostic, medical or surgical treatment or mental disorder as set forth in the latest
coverage, you may increase your coverage, with evidence of insurability, at any time during edition of the Diagnostic and Statistical Manual of Mental Disorders (DSM);
the year. However, you may wait until the next annual enrollment and only coverage over • Suicide, self-destruction while sane, intentionally self-inflicted injury while sane or
the guaranteed issue amounts will be subject to evidence of insurability. self-inflicted injury while insane;
Please contact your employer to confirm your eligibility date. • War, declared or undeclared, or any act of war;
• Active participation in a riot;
Effective date of coverage • Committing or attempting to commit a crime under state or federal law;
To apply for coverage, complete your enrollment within 31 days of your eligibility period. • The voluntary use of any prescription or non-prescription drug, poison, fume or other
If you apply for coverage after 31 days, or if you choose coverage over the guaranteed chemical substance unless used according to the prescription or direction of you or your
issue amount, you will need to complete a medical questionnaire which you can get from dependent’s doctor. This exclusion does not apply to you or your dependent if the chemical
your plan administrator. You may also be required to take certain medical tests at Unum’s substance is ethanol;
expense.
• Intoxication — “being intoxicated” means you or your dependent’s blood alcohol level
Please see your plan administrator for your effective date. equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction
where the accident occurred.
Delayed effective date of coverage
Employee: Insurance coverage will be delayed if you are not in active employment because Termination of coverage for Life and AD&D Insurance
of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would Your coverage and your dependents’ coverage under the Summary of Benefits end on the
otherwise become effective. earliest of:
Dependent: Insurance coverage will be delayed if that dependent is totally disabled on the • The date the policy or plan is cancelled;
date that insurance would otherwise be effective. • The date you no longer are in an eligible group;
• The date your eligible group is no longer covered;
Exception: Infants are insured from live birth. • The last day of the period for which you made any required contributions;
• The last day you are in active employment unless continued due to a covered layoff or
Defining disability for dependents leave of absence or due to an injury or sickness, as described in the certificate of coverage.
Understanding how your policy defines “disability” is important. In addition, coverage for any one dependent will end on the earliest of:
Totally disabled means that, as result of an injury, sickness or a disorder: • The date your coverage under a plan ends;
Your dependent spouse: • The date your dependent ceases to be an eligible dependent;
• For a spouse, the date of a divorce or annulment;
• Is confined in a hospital or similar institution;
• For dependent coverage, the date of your death.
• Is unable to perform two or more activities of daily living (ADLs) because of a physical or
mental incapacity resulting from an injury or a sickness; Unum will provide coverage for a payable claim that occurs while you and your dependents
• Is cognitively impaired; are covered under the policy or plan.
• Is receiving or is entitled to receive any disability income from any source due to any
sickness or injury;
• Is receiving chemotherapy, radiation therapy or dialysis treatment;
GROUP VOLUNTARY SELECT SHORT TERM
• Is confined at home under the care of a physician for a sickness or injury; or DISABILITY INSURANCE
• Has a life-threatening condition. Definition of disability
Your dependent children: You are considered disabled when Unum determines that, due to sickness or injury:
• Are confined in a hospital or similar institution; • You are unable to perform any of the material and substantial duties of your regular
• Are receiving chemotherapy, radiation therapy or dialysis treatment; or occupation;* and
• Are confined at home under the care of a physician for a sickness or injury. • You are not working in any occupation.
“Substantial and material acts” means the important tasks, functions and operations
Age reduction generally required by employers from those engaged in your usual occupation that cannot be
Coverage amounts for Life and AD&D Insurance for you and your spouse will reduce to reasonably omitted or modified.
65% of the original amount when you reach age 65, and will reduce to 50% of the original Unless the policy specifies otherwise, as part of the disability claims evaluation process,
amount when you reach age 70. Coverage may not be increased after a reduction. Unum will evaluate your occupation based on how it is normally performed in the national
economy, not how work is performed for a specific employer, at a specific location, or in a
Benefit payments for dependent coverage specific region.
Benefits on policies for a spouse and/or dependent children are paid to the employee. The
maximum death benefit for a child between the ages of live birth and six months is $1,000. Effective date of coverage
Your effective date of coverage is January 1, 2017. For employees who become eligible after
Changes to coverage this date, see your plan administrator for your effective date.
Each year you and your spouse will be given the opportunity to change your life coverage.
You and your spouse may purchase additional life coverage up to the guaranteed issue Delayed effective date of coverage
amounts without evidence of insurability if you are already enrolled in the plan. Life coverage Insurance will be delayed if you are not in active employment because of an injury,
over the guaranteed issue amounts will be medically underwritten and will require evidence sickness, temporary layoff, or leave of absence on the date that insurance would otherwise
of insurability and approval by Unum’s medical underwriters. The suicide exclusion will apply become effective.
to any increase in coverage.

Limitations & exclusions

Life Insurance benefits will not be paid for deaths caused by suicide in the first 24 months
after your effective date of coverage. Additionally, no increased or additional benefits will be
paid for deaths caused by suicide occurring within 24 months after the day such increased or
additional insurance is effective.

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 Limitations, exclusions, terminations

Deductible sources of income Benefit amount

Your disability benefit may be reduced by deductible sources of income and any earnings The total benefit payable to you on a monthly basis (including all benefits provided under
you have while you are disabled, including such items as group disability benefits or other this plan) will not exceed 100% of your monthly earnings, unless the excess amount is
amounts you receive or are entitled to receive: payable as a cost-of-living adjustment or due to your participation in the rehabilitation and
• Workers’ compensation or similar occupational benefit laws; return-to-work assistance program.
• State compulsory benefit laws ; Your disability benefit may be reduced by deductible sources of income and any earnings you
• Automobile liability insurance policy; have while disabled. Deductible sources of income may include such items as disability
• Motor vehicle insurance policy or plan; income or other amounts you receive or are entitled to receive under workers’ compensation
• No fault motor vehicle plan; or similar occupational benefit laws; state compulsory benefit laws; amounts you (or your
family members, if applicable) receive, or are entitled to receive from Social Security or
• The amount that you receive as disability income payments under the Pennsylvania Motor
similar governmental programs; certain retirement plans or a group plan sponsored by your
Vehicle Financial Responsibility Law;
employer.
• Legal judgments and settlements;
• Certain retirement plans; Elimination period
• Other group or association disability programs or insurance; and The elimination period is the length of time of continuous disability that must be satisfied
• Social Security or similar governmental programs. before you are eligible to receive benefits.
Long Term Disability benefits would begin after 90 days of disability, if you are disabled as
Exclusions and limitations described in the definition above.
Benefits will not be paid for disabilities caused by, contributed to by, or resulting from:
During your elimination period you will be considered disabled if you are limited from
• War, declared or undeclared, or any act of war; performing the material and substantial duties of your regular occupation due to your
• Active participation in a riot; sickness or injury, and you are under the regular care of a physician. You are not required to
• Intentionally self-inflicted injuries; have a 20% or more earnings loss to be considered disabled during the elimination period
due to the same sickness or injury.
• Loss of professional license, occupational license or certification;
• Commission of a crime for which you have been convicted; Limitations & exclusions/terminations
• Any period of disability during which you are incarcerated; You have a pre-existing condition if:
• Any occupational injury or sickness (this will not apply to a partner or sole proprietor who • You received medical treatment, consultation, care or services including diagnostic
cannot be covered by law under workers’ compensation or any similar law); measures, or took prescribed drugs or medicines in the 3 months just prior to your effective
date of coverage; and
Termination of coverage
• The disability begins in the first 12 months after your effective date of coverage.
Your coverage under the policy ends on the earliest of the following:
• The date the policy or plan is cancelled; Benefits would not be paid for disabilities caused by, contributed to by or resulting from:
• The date you no longer are in an eligible group; • Intentionally self-inflicted injuries;
• Active participation in a riot;
• The date your eligible group is no longer covered;
• War, declared or undeclared, or any act of war;
• The last day of the period for which you made any required contributions; • Commission of a crime for which you have been convicted;
• The last day you are in active employment, except as provided under the covered layoff or • Loss of professional license, occupational license or certification;
leave of absence provision. • Pre-existing conditions (see definition).
Unum will provide coverage for a payable claim that occurs while you are covered under the Unum will not pay a benefit for any period of disability during which you are incarcerated.
policy or plan.
The lifetime cumulative maximum benefit for all disabilities due to mental illness and
disabilities based primarily on self-reported symptoms is 24 months. Only 24 months of
benefits will be paid for any combination of such disabilities even if the disabilities are not
GROUP LONG TERM DISABILITY INSURANCE continuous and/or are not related. Payments would continue beyond 24 months only if you
are confined to a hospital or institution as a result of the disability.
Definition of disability
You are disabled when Unum determines that: Your coverage under the policy ends on the earliest of the following:
• You are limited from performing the material and substantial duties of your regular • The date the policy or plan is cancelled;
occupation* due to sickness or injury; and • The date you no longer are in an eligible group;
• The date your eligible group is no longer covered;
• You have a 20% or more loss of indexed monthly earnings due to the same sickness • The last day of the period for which you made any required contributions;
or injury. • The last day you are in active employment except as provided under the covered layoff or
After two years, you are disabled when Unum determines that due to the same sickness leave of absence provision.
or injury, you are unable to perform the duties of any gainful occupation for which you are Unum will provide coverage for a payable claim that occurs while you are covered under the
reasonably fitted by education, training or experience. policy or plan.
Gainful occupation means an occupation that is or can be expected to provide you with an
income within 12 months of your return to work, that exceeds 80% of your indexed monthly
earnings, if you are working; or 60% of your indexed monthly earnings, if you are not
working.
You must be under the care of a physician in order to be considered disabled.
*Unless the policy specifies otherwise, as part of the disability claims evaluation process,
Unum will evaluate your occupation based on how it is normally performed in the national
economy, not how work is performed for a specific employer, at a specific location, or in a
specific region.

Delayed effective date of coverage

Insurance will be delayed if you are not in active employment because of an injury,
sickness, temporary layoff, or leave of absence on the date that insurance would otherwise
become effective.

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 Limitations, exclusions, terminations

ACCIDENT INSURANCE GROUP CRITICAL ILLNESS INSURANCE

Effective date of coverage Guaranteed issue
Coverage becomes effective on the first day of the month in which payroll deductions begin. Medical underwriting is required for employee benefit amounts greater than $30,000 and for
all spouse benefit amounts. Minimum number of lives required for this policy to issue is 2%.
Exclusions and limitations
Unum will not pay benefits for a claim that is caused by, contributed to by or occurs as a Effective date of coverage
result of: Coverage becomes effective on the first day of the month in which payroll deductions begin.
• Participating in war or act of war, whether declared or undeclared;
• Committing acts of terrorism; Exclusions & limitations
• Riding in or driving any motor-driven vehicle in a race, stunt show or speed test; Unum will not pay benefits for a claim that is caused by, contributed to by or occurs as a
result of:
• Operating, learning to operate, serving as a crew member of or jumping, parachuting, or
falling from any aircraft or hot air balloon, including those which are not motor-driven. This • Participating or attempting to participate in a felony or being engaged in an illegal
does not include flying as a fare paying passenger; occupation; or
• Engaging in hang-gliding, bungee jumping, sailgliding, parasailing, parakiting; • Committing or trying to commit suicide or injuring oneself intentionally, whether sane or
not; or
• Participating or attempting to participate in a felony, being engaged in an illegal occupation
or being incarcerated in a penal institution; • Participating in war or any act of war, whether declared or undeclared; or
• Committing or trying to commit suicide or injuring oneself intentionally, whether sane • Committing acts of terrorism; or
or not; • Being under the influence of or addicted to intoxicants or narcotics. This would not include
• Practicing for or participating in any semi-professional or professional competitive athletic physician-prescribed medication, taken in the prescribed dosage.
contests for which any type of compensation or remuneration is received;
Reduction of benefits
• Having any sickness or declining process caused by a sickness, including physical or mental
Any coverage inforce prior to the insured's 70th birthday will be reduced on the policy
infirmity including any treatment for allergic reactions. Unum also will not pay benefits to
anniversary date following the insured's 70th birthday. The insured's face amount will be
diagnose or treat the sickness. Sickness means any illness, infection, disease or any other
reduced to 50% of the face amount the insured had prior to the policy anniversary date. Any
abnormal physical condition which is not caused by an injury.
coverage inforce after the policy anniversary date following the insured's 70th birthday will
In addition to the exclusions listed above, Unum will also not pay the catastrophic accidental not be subject to a benefit reduction on subsequent policy anniversary dates.
dismemberment or catastrophic accidental loss benefit for the following injuries that are
caused by or are the result of: Termination of employee coverage
• An insured’s being intoxicated or under the influence of any narcotic unless administered on If you choose to cancel your coverage under the policy, your coverage ends on the first of the
the advice of a physician; or month following the date you provide notification to your employer.
• Injuries to a dependent child received during the birth.
Otherwise, your coverage under the policy ends on the earliest of the:
• Date this policy is canceled;
Termination of employee coverage • Date you are no longer in an eligible group;
If you choose to cancel your coverage under the policy, your coverage ends on the first of the • Date your eligible group is no longer covered;
month following the date you provide notification to your employer. • Date of your death;
Otherwise, your coverage under the policy ends on the earliest of the: • Last day of the period for which you made any required contributions; or
• Last day you are in active employment. However, as long as premium is paid as required,
• Date this policy is cancelled;
coverage will continue if you elect to continue coverage under the portability provision or
• Date you are no longer in an eligible group;
in accordance with the Layoff and Leave of Absence provisions of this policy.
• Date your eligible group is no longer covered;
• Date of your death; Coverage on your dependent children ends on the earliest of the date your coverage
• Last day of the period for which you made any required contributions; or under this policy ends or the date a dependent child no longer meets the definition of
• Last day you are in active employment. However, as long as premium is paid as required, dependent children.
coverage will continue if you elect to continue coverage under the Portability provision or in
accordance with the Layoff and Leave of Absence provisions of this policy. Unum will provide coverage for a payable claim which occurs while you are covered under
this policy.
Unum will provide coverage for a payable claim which occurs while you are covered under
this policy.

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 Limitations, exclusions, terminations

ACTIVE EMPLOYMENT
Applies to Unum group insurance products
You are considered in active employment, if on the day you apply for coverage, you are
being paid regularly by Titan Machinery for the required minimum hours each week and you
are performing the material and substantial duties of your regular occupation.

ACTIVELY AT WORK
Active employment means you are working for your employer for earnings that are paid
regularly and that you are performing the material and substantial duties of your regular
occupation at one of the employer’s business locations, or at a location where you are
required to represent the company. If applying for coverage on a day that is not a scheduled
workday, employees will be considered actively at work as of their last scheduled workday.
Employees are not considered actively at work if they are on a leave of absence.

QUESTIONS
If you have any questions about your coverage or how to enroll, please contact
your employer.

Group insurance products are underwritten by:

Unum Life Insurance Company of America, Portland, Maine
unum.com
The information in this booklet is not intended to be a complete description of the insurance
coverage available. The policies or their provisions may vary or be unavailable in some states. The
policies have exclusions and limitations which may affect any benefits payable. For complete details
of coverage and availability, please refer to Policy Forms C.FP-I et al, CI-I, GA-1 or contact your Unum
representative. Unum complies with all state civil union and domestic partner laws when applicable.
© 2018 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of
Unum Group and its insuring subsidiaries.

CE-14205 (11-18) FOR EMPLOYEES

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