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Hi Dr. Hadid,

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Per our conversation, I’ve provided a general overview of the UNUM LTC Rate Increase details. Please feel free to pass this along to your fellow physician colleagues. If they have any questions or would like to speak to us, please feel free to provide them with my phone number and our TPMG specific email address, TPMGBenefits@....

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Who is receiving a rate increase?

• Any insured enrolled on the Compound Inflation rider is receiving a rate increase. If you are not enrolled on the compound inflation rider, your rate is not increasing and there is no action needed.

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How much are rates increasing by?

• Approximately 14% for 2025 and the same for 2026, and 2027
• Some insureds rates may be increasing more or less than 14.4% and that is due to insureds age and current coverage amount.

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When is the rate increase going into effect?

• January 1^st, 2025.

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How can I find out if my rate is increasing and what it is increasing by?

• Insureds can call Hannah Sanchez from The Partners Group (TPMG’s broker) at 503-941-2458 or email Hannah and team at TPMGBenefits@....

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What options do insureds have for this increase?

• Do nothing and accept the increased rate effective 1/1/2025.
• Drop the compound inflation rider.
• If compound inflation rider is dropped, the current inflated benefit amount gets “parked” and when an insured goes to file a claim in the future, they will still receive that inflated benefit amount for the duration they are enrolled on (3 or 6 years).
• Monthly benefit will no longer inflate, and premiums will not increase effective 1/1/2025.
• If interested in this option, please contact Hannah and she can reach out to UNUM to provide you with what the new rate would be if you want to drop your compound inflation.
• Take the Non-Forfeiture option.
• If you take the non-forfeiture option, you discontinue paying premiums but would still receive a reduced lifetime maximum benefit which would be equal to the greater of one facility monthly benefit payment (the base benefit you are enrolled on), or the total amount of premium that was paid into the policy.

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Attached is the Change Form that an insured would need if they wanted to make any changes. This form can be completed and then sent back to me directly and I can submit it to UNUM on an insured’s behalf.

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Please let me know if there are any additional questions.

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Thank you so much!

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Hannah

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Hannah Sanchez??|?Senior Account Manager, GPAS | CA License #4359889?|?The Partners Group LLC. CA License #0E63494?| | (503) 941-2458 |?

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