1. Johnson County Board of Education
Note: An important step in the enrollment process is to get the employer’s approval of your slides prior to the group meeting.
Your role in the group meeting is to describe the employer’s entire benefits package. This makes it challenging to provide you with a one-size-fits-all presentation. What you have in the slides that follow are some possible options for the employer’s presentation. You will need to determine which slides you can modify and use and which ones you’ll have to eliminate completely.
In the basic presentation we have assumed that the employer is offering only one health plan option and that plan takes a consumer-driven approach using an HRA. Some employers may want to position this as a personal benefits account.
Slide 4-10 attempt to take you through a consumer-driven only approach. Slides provide you some optional slides to use if the employer will be offering more than one option for their medical insurance. If they are using an HRA or HSA, you will need to select the appropriate slides to include.
Your 2010 Voluntary Benefits Briefing

2. Colonial Supplemental Insurance
Colonial Agents will be available on:
September 20st and 22nd – Middle/High School
September 22nd and 23rd – Elementary School

3. Premium Only Plan Flexible Benefits Programs
Also called “Cafeteria Plans”
Premium Only Plan is available through your employer
IRS Code Section 125 allows selected employee benefits to be deducted from Gross Earnings
Lowers taxable income, increases spendable income
Elections must be maintained for a year
Exceptions: Family Status, Employment Status, Leaves of Absence, Major Health Plan changes

4. Premium Only Plan Flexible Benefits Programs
As part of your benefits plan, you may have Medical, Dental
or other non-Colonial Benefits
Each Enrollee should:
Be aware of what the plan provides you
Some coverage have 100% paid benefits (wellness, preventive care) that make your premium contribution worthwhile
Be aware of out-of-pocket expenses that can add financial stress to an already stressful event
Co-payments, deductibles, annual maximums can limit your ability to maintain your lifestyle

5. Why Supplemental Insurance?
Ask yourself, “If something happened to me TODAY, could I
Pay my rent or mortgage?
Put food on my table?
Keep my car on the road?
Pay my bills? (especially heating and
electricity)
Provide for my children?
Can you support or maintain your lifestyle
in the face of reducing personal assets to
meet your expenses?

6. Supplemental Insurance Benefits
These Voluntary benefits are designed to protect your assets and reduce your out-of-pocket expenses
Medical Bridge 3000
**Special Medical Bridge offer this year**
Short Term Disability
Long Term Disability
Accident Care
Cancer Security
Critical Illness Insurance
Life Insurance

7. Colonial Life The Advantage of Colonial Life plans:
Most plans pay in addition to other benefits you may have with other insurance companies.
Benefits are paid directly to you, unless you specify otherwise.
With most plans, you can keep your coverage even if you change jobs or retire.
Most plans are guaranteed renewable.
Prompt and courteous customer service.

8. Colonial Life Hospital Confinement Indemnity Insurance
Often referred to as “Gap” or “Medi-Gap” plans
Designed to supplement your existing major medical coverage.
Lump-sum benefit helps you to pay medical and non-medical expenses associated with a hospital stay, such as:
Deductibles or co-payments.
Diagnostic Tests
Emergency Room Fees
Product underwritten by Colonial Life & Accident Insurance Company.
Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

9. Medical Bridge 3000 Hospital Indemnity
Colonial’s Medical Bridge 3000 covers:
Hospital Confinement – you choose $500 or $1000 benefit
Outpatient surgery in a hospital or surgery center - $500 or $1000 benefit, depending on procedure
$250 Diagnostic Testing Benefit
$150 Emergency Room Benefit
$50 Wellness Benefit
$25 Doctor’s Office Benefit

10. Medical Bridge Hospital Indemnity
Benefits are paid regardless of other insurance coverage and paid directly to you
Coverage is portable
Guaranteed renewable for life
Pre-existing condition clause is in-force
Monthly Rates (age 17-49):
Confinement Benefit: $500 $1000
Individual: $ $36.75
Employee + Spouse $ $74.40
One-Parent Family $ $73.90
Two-Parent Family $ $88.00

11. Medical Bridge 3000 Special Disability Offer
Special Offer for 2010
Post-Enrollment Guaranteed Issue for ALL
eligible employees
Pre-existing condition limitations: 12/12
Portable & Renewable to 65 & age 70 if employed
Applications must be completed, but all questions will
be ignored and discarded by home office
Participation of 15% of all employees required, if
met, ALL Applications will issue!!
NOTE – if participation requirement is NOT met, medical questions
will be reviewed and qualified applications will issue. Your benefits
counselor will advise you of your status at the time of application.

12. Colonial Life Short-Term Disability Insurance
Helps protect your income and lifestyle if you are unable to work due to a covered accident or covered sickness.
Use benefits to help pay for:
Mortgage or rent payments.
Utility bills and other household expenses
Use the money where it’s needed most
Product underwritten by Colonial Life & Accident Insurance Company.
Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

13. Disability 1000 Short Term Disability
Replace lost income in the event of disability due to
accident or sickness
Maximum 66 2/3% of salary coverage available
Monthly maximum benefit of $5,000 Choice of
elimination periods
3, 6, 12* or 24 month benefit period
Pre-existing condition limitations: 12/12
Portable & Renewable to 65 & age 70 if employed
Guaranteed Issues for all NEW Employees

14. Insurance Benefit Short Term Disability
Period of Disability
STD
LTD
Return to Work –
Benefits End
Short Term Ends – File Long Term
Elimination Period Ends – File Short Term
Start of Disability – Enter Elimination Period

15. Insurance Benefit UNUM Long Term Disability
24 hour coverage, worldwide coverage
365 day elimination period for injury or sickness
Monthly Gross Disability Benefit = 60%
Monthly Benefit Maximum = $6,000
Benefit period = to age 65
No premiums while disabled
Coverage can be extended for 12 months if you leave workplace
Pre-existing conditions not covered for 24 months
Standard underwriting rules are in effect. Guaranteed issue for NEW employees only.

16. Insurance Benefit UNUM Long Term Disability
When are you considered disabled?
When proof is provided that you:
are disabled due to sickness or injury
require the regular care of a physician
How is your benefit determined?
Benefits are based upon a percentage of income to be replaced.
What if your disability occurs again?
If a disability reoccurs within 6 months, it will be treated as a continuation.

17. Voluntary Insurance Benefit Pre-Existing Conditions Exclusion
Applies to Disability 1000 and Medical Bridge 3000 for 12 months
Applies to Long Term Disability for 24 months
Certain “pre-existing” conditions may not covered for specified period
Any condition treatment or advice from the 12-months prior to the application date may not be covered for the 1st 12-months of coverage (24 months for LTD)
Any claim submitted in the 1st 12-months a policy is in force will initiate a medical records review for the 12-months prior to the application date (24 months for LTD)

18. Colonial Life Accident Insurance
Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident.
Provides benefits for initial care and treatment, in addition to some follow-up care that you may need.
Product underwritten by Colonial Life & Accident Insurance Company.
Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

19. Colonial Supplemental Insurance Accident Care
Colonial’s Accident Insurance offers
Family coverage for you, your spouse and your children
Designed to help you recover out-of-pocket expenses
Benefits paid directly to you
Benefits paid regardless of other insurance
Coverage is worldwide
Policy is portable

20. Accident Care Benefits
Initial Care
Ambulance, ER Treatment, Doctor’s Office
Open or Thoracic Surgery
Blood, Plasma, Platelets
Transportation and Lodging
Hospital Admission and Confinement
Follow-up Care
Accidental Death and Dismemberment

21. Accident Care Injury Benefits
Dislocations
Fractures
Eye Injury
Burns
Knee Cartilage
Concussion
Eye Injury
Prosthetic Devices
Ruptured Disc
Tendon/Ligament
Rotator Cuff
Lacerations
Emergency Dental
Dislocations
Fractures
Eye Injury
Burns
Knee Cartilage
Concussion
Eye Injury
Prosthetic Devices
Ruptured Disc
Tendon/Ligament
Rotator Cuff
Lacerations
Emergency Dental

22. Accident Care Additional Options
Health Screening Benefit
Accident Only Disability Income
Accident/Sickness Disability Income
Sickness Hospital Confinement
Monthly Rates (Base Plan):
Individual: $14.25
Individual w/Spouse $20.00
One-Parent Family $25.75
Two-Parent Family $31.50

23. Colonial Life Cancer Insurance
Helps protect you against the indirect costs and other expenses associated with cancer diagnosis and treatment.
Benefits payable for:
Specified cancer screening tests.
Diagnosis of skin cancer.
Hospital confinement and surgical benefits.
Radiation/chemotherapy.
Transportation and lodging.
Product underwritten by Colonial Life & Accident Insurance Company.
Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

24. Colonial Supplemental Insurance Cancer 1000
The risk of developing cancer is, unfortunately, very real .
The lifetime risk for men is 1 of 2, and for women 1 of 3
Improved treatment and screening make cancer more detectable and survivable than ever.
5-year survival rate for screening accessible cancer is 80%
It could be as high as 95% if everyone took advantage of regular screening
Cancer costs exceed $174 Billion annually in the U.S.
ONLY 35% are Medically related expenses
Primarily indirect and hidden costs
not covered by major medical plans

25. Cancer 1000 Benefits Wellness Benefit.
Annual benefit for 17 diagnostic tests performed
$1,000 - $5,000 Initial Diagnosis Benefit
Defray up-front, immediate costs
Bone Marrow donor/donation benefits.
Inpatient Benefits
Up to $300/day for 30 days
Transportation and lodging for companion
Benefits paid directly to you, regardless of other insurance
Guaranteed Renewable, Portable

26. Cancer 1000 Treatment Benefits
Radiation/Chemotherapy, Medication, Blood and Plasma, Prosthesis
Medical Imaging
$250 per scan/$500 annual max
Inpatient and Outpatient Surgery
Extended Patient Care

27. Cancer 1000 Benefits
Individual, one-parent and two parent family plans
4 options available, select benefits to suit your needs
Optional coverage
First Diagnosis
Progressive Payment
Specified Disease
Monthly Rates (Base Plan):
Individual: $26.50
One-Parent Family $30.00
Two-Parent Family $45.00

28. Colonial Life Critical Illness Insurance
Helps protect your financial security if you experience a specified critical illness such as heart attack (myocardial infarction), or stroke
Pays a lump-sum benefit upon diagnosis.
The benefit is paid to you unless you specify otherwise—use the money where it’s needed most!
Product underwritten by Colonial Life & Accident Insurance Company.
Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

29. Colonial Supplemental Insurance Critical Illness Insurance
Did you know?
The average age at which Critical Illness strikes is 43.
Stroke is the leading cause of serious, long-term disability in the U.S.
1 in 3 men and women have some form of cardiovascular disease
An estimated 1.2 million Americans will have a first or recurrent coronary attack this year
The chances of surviving a critical illness are better than ever -- could you survive the impact on your finances?

30. Colonial Supplemental Insurance Critical Illness Insurance
Covered Critical Illnesses
Heart Attack %
Stroke %
Major Organ Transplant %
End-Stage Renal Failure %
Blindness – 100%
Coronary Artery Bypass -- 25%

31. Colonial Supplemental Insurance Critical Illness Insurance
Benefits
Maximum Face Value $75,000
Medical Underwriting varies at lesser amounts
Spouse Benefit is 50% of named insured
Dependent Children Benefit is 25% of named insured
Lump Sum Payment -- paid directly to you and can be utilized for related expenses you choose
Subsequent Diagnosis Benefit – reduced benefit paid for previously diagnosed illness for which benefits have been paid
Guaranteed Renewable and Fully Portable
Rates vary depending age of names insured and face value

32. Colonial Supplemental Insurance Life Insurance
In general, there are two forms of life insurance:
Term Life:
Easy to get and inexpensive
Insurance Protection
No cash build-up, no additional value
Protect your family and their future
Permanent Life
Universal Life, Whole Life
Cash value builds as policy ages
Premium never changes
Invest in your own, or your families future

33. Colonial Supplemental Insurance Term Life 1000
Term Life provides affordable insurance protection. There are two plans available:
10, 20 and 30 year terms available
Face amounts of $10,00 to $500,000
Guaranteed level premiums for the entire term, based on issue age
Annual renewal after term is completed
Conversion privilege to permanent life insurance
Coverage available for Employees and spouses
Child Term Rider is available for dependent children
Up to age 18 to issue, coverage in force to age 25

34. Colonial Supplemental Insurance Universal Life Insurance
Permanent, “cash-value” insurance
Combines cash building characteristics of Whole Life, with the higher face amounts of Term Life
Guaranteed to build at 4% annually
Guaranteed renewable and portable
Several optional “riders” allow you to tailor plan to your needs:
Additional Term Rider
Accidental Death
Waiver of Premium
Guaranteed Purchase Option
NEW!! Long Term Care Rider

35. Colonial Supplemental Insurance Universal Life Insurance
NEW - Long Term Care Rider
Allows insured to access Universal Life policy death benefit to pay for Long Term Care expenses
6% maximum on a monthly basis
Insured must meet “Activities of Daily Living” Criteria prior to use
Must need assistance in 2 of 6 ADL’s
Bathing, Continence, Dressing, Eating, Transferring, and Toileting
Covers expenses for Long Term Care, Assisted Living, Home Health Care or Adult Day Care Facilities
Restoration of Benefits Riders protects original death benefit
If death occurs after Long Term Care benefits are utilized, this option restores the original death benefit

36. Colonial Supplemental Insurance Universal Life Insurance
Spouse Coverage
Universal Life -- Duplicate the same benefits as offered to you -- even if you don’t buy a policy for yourself
Spouse Term Rider in addition to your Life Policy
Juvenile Coverage
Universal Life -- policy for each child
Low rates at younger age, coverage continues even if health problems develop
Opportunity to increase coverage at age 18, 21 & 24

37. Colonial Supplemental Insurance Universal Life Insurance
Additional Coverage Available
Accidental Death*
Waiver of Monthly Deduction*
Additional Coverage Term
Guaranteed Purchase Option
Accelerated Death Benefit
Not an option, built in to all Colonial Life insurance plans
If the named insured is diagnosed terminally ill, with 12 month or
less to live, Colonial will pay up to 75% of the death benefit in advance

38. Why Supplemental Insurance?
Ask yourself, “If something happened to me TODAY, could I
Pay my rent or mortgage?
Put food on my table?
Keep my car on the road?
Pay my bills? (especially heating and
electricity)
Provide for my children?
Can you support or maintain your lifestyle in the face of reducing personal assets to meet your expenses?

39. Questions???
You can contact your Colonial Representative, Hal Doyle for more information prior to the open enrollment:
HAL DOYLE
Cell Phone – –

40. Annual Enrollment Changes are effective …
…10/01/2010
Colonial Benefit Representatives will be available on from September 20st through 23th … all employees must be seen

41. What Happens Next? Take advantage of your options.
Don’t be afraid to ask questions.
We will meet with you individually to help you tailor your benefits plan to your needs.