Disability Insurance: UNUM Overview

UnumProvident Educator Plans
Disability Income Plan

Program Designed for the Employees of:
Cypress-Fairbanks Independent School District

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YOUR PLAN
Please read carefully the following description of your Unum Educator
Select Income Protection Plan insurance.

Eligibility

You are eligible for disability coverage if you are an active employee in the United States working a minimum of 15 hours per week. The date you are eligible for coverage is the later of: the plan effective date; or the day after
you complete the waiting period.

Guarantee Issue

Current Employees: Coverage is available to you without answering any medical questions or providing evidence of insurability. You may enroll on or before the enrollment deadline of 4/16/2008. After the initial
enrollment period, you can apply only during an annual enrollment period.

Employees hired on or after 5/1/2008: Coverage is available to you without answering any medical questions or providing evidence of insurability. You may apply for coverage within 60 days after your eligibility date. If you do not apply within 60 days after your eligibility date, you can apply only during an annual enrollment period.

Benefits are subject to the pre-existing condition exclusion referenced later in this document.

Please see your Plan Administrator for your eligibility date.

Benefit Amount

You may purchase a monthly benefit in $100 units, starting at a minimum of $200, up to 66 2/3% of your monthly earnings rounded to the nearest $100, but not to exceed a monthly maximum benefit of $7,500. Please see your Plan Administrator for the definition of monthly earnings.

The total benefit payable to you on a monthly basis (including all benefits provided under this plan) will not exceed 100% of your monthly earnings unless the excess amount is payable as a Cost of Living Adjustment.

However, if you are participating in Unum’s Rehabilitation and Return to Work Assistance program, the total benefit payable to you on a monthly basis (including all benefits provided under this plan) will not exceed 110% of your monthly earnings (unless the excess amount is payable as a Cost of Living Adjustment).

Elimination Period

The Elimination Period is the length of time of continuous disability, due to sickness or injury, which must be satisfied before you are eligible to receive benefits.

You may choose an Elimination Period (injury/sickness) of 0/7, 14/14 or 30/30 days.

If, because of your disability, you are hospital confined as an inpatient, benefits begin on the first day of inpatient confinement. Inpatient means that you are confined to a hospital room due to your sickness or injury for 23 or more consecutive hours. (Applies to Elimination Periods of 30 days or less.)

Benefit Duration

Your duration of benefits is based on your age when the disability occurs.

You may choose one of the following duration options:

Plan A: ADEA II: Your duration of benefits is based on the following table:

Age at Disability	Maximum Duration of Benefits
Less than age 60	To age 65, but not less than 5 years
Age 60 through 64	5 years
Age 65 through 69	To age 70, but not less than 1 year
Age 70 and over	1 year

OR:

Plan B: ADEA II/5 YR ADEA: Your duration of benefits is based on the following tables:

For disabilities due to injury:

Age at Disability	Maximum Duration of Benefits
Less than age 60	To age 65, but not less than 5 years
Age 60-64	5 years
Age 65-69	To age 70, but not less than 1 year
Age 70 and over	1 year

For disabilities due to sickness:

Age at Disability	Maximum Duration of Benefits
Less than age 65	5 years
Age 65 through 68	To age 70, but not less than 1 year
Age 69 and over	1 year

Federal Income Taxation

The taxability of benefits depends on how premium was taxed during the plan year in which you become disabled. If you paid 100% of the premium for the plan year with post-tax dollars, your benefits will not be taxed. If premium for the plan year is paid with pre-tax dollars, your benefits will be taxed. If premium for the plan year is paid partially with post-tax dollars and partially with pre-tax dollars, or if you and your Employer share in the cost, then a portion of your benefits will be taxed.

Servicing Agent:
Station & Ayers Insurance Planning Services LLC
18333 Egret Bay Blvd.
Suite 135
Houston, Texas 77058
(281)333-9792

Underwritten by:
Unum Life Insurance Company of America
2211 Congress Street, Portland, ME 04122
©2005 UnumProvident Corporation. All rights reserved.
**UnumProvident is the marketing brand of
UnumProvident Corporation’s insuring subsidiaries.

Plan Administered by:
Mass Group Marketing, Inc.
2121 N. Glenville Drive, Richardson, TX 75082
Phone: (972)881-2255 or (866)881-2255
Main Fax Number: (469)385-4620

CU-2179 (02-05)