The District has partnered with Trustmark to offer eligible employees the opportunity to purchase additional voluntary benefits such as:

• Disability Income Insurance
• Cancer and Critical Illness Insurance
• Accident Insurance
• Life Insurance with Long Term Care

Please be advised these are individual policies and as such are individually rated. You can receive a quote for coverage by calling the Ward Services at 800-673-6472.

There are 2 disability plan options. Employees may enroll in one or both plans.

• Elimination period of 14 days for an accident/sickness, benefit period is up to 3 months (short term disability)
• Elimination period of 90 days for an accident/sickness, benefit period is up to 24 months (long term disability).

For employees who enroll in both long and short term policies, the elimination period will run concurrently and the benefit period will run consecutively. This means that once the 3 month short term benefit has elapsed, the employee would immediately begin receiving their 24 month long term benefit without an additional elimination period.

Benefits paid through these disability policies would be on top of any payment the employee is receiving through SVUSD (i.e. sick time, sub-differential pay).

An informational video on Trustmark's disability plan can be viewed at www.trustmarkins.com/tvbs/disability/intro.html.

The cancer and critical illness benefit offers a lump-sum benefit payment upon first diagnosis of a covered critical illness including:

• Invasive Cancer
• Stroke
• Heart Attack
• Major Organ Transplant
• Renal (Kidney) Failure
• Paralysis of Two or More Limbs
• Blindness
• ALS (Lou Gehrig's Disease)
• Carcinoma in Situ (25% partial payment)
• Coronary Artery Bypass Surgery (25% partial payment)

An informational video on Trustmark's critical illness plan can be viewed at www.trustmarkins.com/tvbs/criticalillness/intro.html

Trustmark's Accident Insurance helps pay for unexpected healthcare expenses due to accidents that occur every day - from the soccer field to the ski slopes and the highway in-between. Accident insurance provides benefits due to covered accidents for initial injuries and follow-up care. Benefits are paid directly to you and do not coordinate with any other coverage.

Here is an example of what an auto accident and what the Trustmark accident plan would pay out:

• Ambulance -$1,000
• Emergency Room Treatment-$200
• Initial Doctor Visit-$100
• Hip Joint Dislocation (non-surgical)-$2,000
• Skull Fracture (non-surgical)-$3,750
• Hospital Admission-$1500
• Hospital Confinement for 5 days-$1,200
• Family lodging for 5 days-$500
• Physical Therapy for 6 days-$300

Total Accident Benefit Paid-$10,550

An informational video on Trustmark's Accident Plan can be viewed at www.trustmarkins.com/tvbs/accident/intro.html.

Universal Life insurance is a fully portable insurance product that is designed to provide you with a permanent life insurance solution that complements your term life insurance. Universal LifeEvents, offered through Trustmark, pays a higher death benefit during your working years when expenses are high. At age 70, when financial needs are typically lower, the death benefit reduces to one third the original amount. The Long Term Care (LTC) benefit does not reduce, this benefit continues throughout retirement to match the greater need for LTC.

LTC of Living Benefits are payable at 4% per month for up to 25 months when receiving assisted living, home healthcare, adult day care or skilled nursing home care due to a loss of two of seven activities of daily living. Subject to a 90 day waiting period and a pre-existing condition limitation of 6/6, meaning benefits are not payable for a loss due to a pre-existing condition that occurs 6 months prior to the effective date until you have been fully insured for 6 months.

An informational video on Trustmark's Universal Life with Long Term Care plan can be viewed at www.trustmarkins.com/tvbs/universallife/primer.html.