1. www.coloniallife.com Jefferson County Board of Education 2014 Open Enrollment

2. www.coloniallife.com o Why are we here? o Review your entire benefits program o Talk about how to enroll o Who to see, and when to see them o Assist you in the selection of all benefits o Sign up and activate Jefferson County Board of Education Employee Benefits Communication and Education

3. www.coloniallife.com o This material is for informational purposes only and is neither an offer of coverage nor medical advice. o It contains only a partial, general description of plan of program benefits and does not constitute a contract or any part of one. o For a complete description of the benefits available to you, including procedures, exclusions and limitations, refer to your specific plan documents o All benefits are subject to coordination of benefits unless noted otherwise. o In case of a conflict between your plan documents Plan Documents and this presentation, the Plan Documents will govern. DisclaimerDisclaimer

4. o A $50,000 endowment was made to Jefferson Co. Schools for the purpose of establishing a scholarship fund. o $1000 scholarship awarded annually to Jefferson Co. High School senior for teacher education o Additional funds (through donations) would allow this fund to continue beyond the initial funding o Donations are made for one-year and need to be renewed each year – our benefits counselors will be able to assist www.coloniallife.com Dade Kelley Scholarship Fund

5. The Jefferson County Board of Education offers eligible employees the opportunity to save for retirement by participating in a 403(b) Plan. You are eligible to participate in this plan, whether or not you are actively contributing to it. In most cases, your deductions are “pre-taxed”. Not yet contributing to the 403(b) plan? To start your contributions to the 403(b) plan, complete and return a salary reduction agreement to Shonta Walker at the county office. You may enroll at any time but paperwork must be turned in during the first 2 weeks of the month you wish to begin contributing. Contributions will begin the first of the month after the paperwork is received. You must also establish an account with the appropriate investment provider(s) that you have selected. Already contributing the 403(b) plan? Great news! You have an opportunity to increase your contributions to the 403(b) Plan. If you are already currently contributing to the 403(b) plan, you may be able to increase your pre- tax contributions. To change your contributions, complete and return a salary reduction agreement to Shonta Walker. Need to reduce your contributions to the 403(b) Plan? You can change your contribution rate by completing and returning a salary reduction agreement as described above. Need to stop your contributions to the 403(b) Plan? You may stop contributing at any time with written notice to Shonta Walker. However, you must contact your agent to resume contributions. How much can I contribute? You may contribute up to $17,500 in 2013. This amount may be adjusted annually. Also, if you are at least 50 years old and/or you have completed at least 15 years of service, you may also be able to make additional catch-up contributions. Contact your agent for specific details This information has been amended from the “Annual 403(b) Plan Eligibility Notice” available to all employees on the teacher website. The information is available upon request. www.coloniallife.com Annual 403(b) Plan Eligibility Notice VALICEric Swierski(803) 279-7172Eric.swierski@valic.com ING (RELIASTAR)Bruce Beck(706) 863-7666 LINCOLN NATIONALNo RepresentativeWebsite: www.lfg.com Agents:

6. Jefferson County Board of Education Section 125 Medical Plan Review Dental Employer Paid Benefits Voluntary Benefits Life Insurance Group Short Term Disability Hospital Supplement Group Accident Cancer Critical Illness www.coloniallife.com

7. Section 125 Plan – Flexible Benefits Plan “Cafeteria Plans” o Also called “Cafeteria Plans” Premium Only Plan is only available through your employer A strong benefit that costs you nothing! o IRS Code Section 125 allows selected employee benefits to be deducted from Gross Earnings o The IRS requires that “eligible” (pre-tax) deductions be verified annually o The superintendent has determined this will be a mandatory enrollment o Designed to make your benefits more affordable Lowers taxable income, increases spendable income o Pre-Tax Elections must be maintained for a year oExceptions: Family Status, Employment Status, Leaves of Absence, Major Health Plan changes www.coloniallife.com

8. Section 125 Plan - Cafeteria Plan The premium of certain benefits is pre-taxed. You may have more take home pay by paying lower taxes Choose qualified insurance coverage and pay the premiums with pre-tax dollars. www.coloniallife.com WithoutWithPremiumOnly Plan Gross pay$500.00$500.00 Pretax reduction (major medical ins.) -0- - 50.00 Taxable gross500.00450.00 FICA, fed. & state taxes- 68.98- 57.46 Net pay431.02 392.54 Payroll Deduction (major medical ins.)-50.00-0- Take home pay$381.02$392.54

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

10. State Health Benefits Plan Options o Your State Merit Benefits will be re-enrolled in OCTOBER each year, and ALL plan options will be available to you at that time. All other benefits are re-enrolled in APRIL. o There are THREE Plan Options oAll are BCBS HRA plans o Gold, Silver or Bronze o Difference are the HRA finds and out-of-pocket amounts o Changes were implemented as of 3/2014 www.coloniallife.com

11. State Health Benefits Plan Outline \\ PlanGOLD PLANSILVER PLANBRONZE PLAN BenefitsNETWORK PROVIDER OUT OF NETWORKNETWORK PROVIDER OUT OF NETWORK NETWORK PROVIDER OUT OF NETWORK Deductible: - You - You & Child(ren) - You & Family $1,500 $2,250 $3,000 $4,500 $6,000 $2,000 $3,000 $4,000 $6,000 $8,000 $2,500 $3,750 $5,000 $7,500 $10,000 Plan Pays85%60%80%60%75%60% ACA Preventive Care 100%Not Covered100%Not Covered100%Not Covered Out of Pocket Limit - You - You & Child(ren) - You & Family $4,000 $6,000 $8,000 $12,000 $16,000 $5,000 $7,500 $10,000 $15,000 $20,000 $6,000 $9,000 $12,000 $18,000 $24,000 Base HRA - You - You & Child(ren) - You & Family $400 $600 $800 $200 $300 $400 $100 $150 $200 www.coloniallife.com

12. State Health Benefits Plan Outline \\ Plan Changes 3/14/2014 Replace pharmacy co- insurance with 3-Tier co-pay like 2013 HMO with lower Tier 3 co-pay - Tier 1: $20 - Tier 2: $50 -Tier 3: $80 Apply Office Visit and ER co- pays across all plans at the following rates: - Primary Care: $35 - Specialist: $45 - Rehab Services: $25 - ER $150 - Urgent Care $35 www.coloniallife.com

13. HEALTH CARE State Health Benefits PlanYOU YOU + CHILD(REN) YOU + SPOUSE YOU + FAMILY BCBS GOLD $166.08$300.38$405.52$539.84 BCBS SILVER $108.64$202.74$284.90$379.00 BCBS BRONZE 66.28$130.74$195.96$260.40 Basic plan rates are displayed – tobacco surcharge add $80.00

14. HEALTH CARE State Health Benefits Plan EMPLOYEE TOBACCO USERS CESSATION POLICY This policy applies to members who are tobacco users and paying the tobacco surcharge. Healthways’ offers telephonic tobacco cessation well-being coaching programs to assist SHBP members to quit using tobacco products. SHBP members who enroll and are actively engaged in the telephonic tobacco cessation well-being coaching programs are eligible for coverage of tobacco cessation medications. For complete details or to sign- up for the telephonic tobacco cessation well-being coaching, please call Healthways at: 1-888-616-6411. This policy allows you to have the tobacco surcharge removed by completing the tobacco surcharge removal requirements through your well-being vendor Healthways as outlined below. The maximum surcharge applies if the member or any of the member’s enrolled dependents are not tobacco-free or do not complete the telephonic tobacco cessation well-being coaching program. If the covered tobacco user (you and any of your covered dependents) completes the telephonic tobacco cessation well-being coaching program, you will be able to avoid the surcharge for the entire year. This means that all of the tobacco surcharge you paid in 2014 will be refunded after the completion all of the tobacco surcharge removal requirements. All tobacco surcharge removal requirements must be completed in 2014.

15. HEALTH CARE State Health Benefits Plan EMPLOYEE TOBACCO USERS CESSATION POLICY TOBACCO SURCHARGE REMOVAL REQUIREMENTS NOTE: Tobacco free means that you have not used tobacco products within the last 60 days. If you are Tobacco-Free for less than 60 days you are subject to the tobacco surcharge unless you do the following: You must: 1. Complete the online Healthways Well-Being Assessment in 2014 at BeWellSHBP.com by clicking “Take My Well- Being Assessment” to begin. 2. Once you complete your Well-Being Assessment within 24 hours you will receive an email from Healthways to create your Well-Being Plan. Please complete your Well-Being Plan. 3. Complete a telephonic tobacco cessation well-being coaching program through Healthways in 2014. Please call Healthways at 1-888-616-6411 to enroll. 4. Once you have completed Steps 1, 2 and 3 above, call Healthways at: 1-888- 616-6411, select the coaching option, and notify them that you have completed the requirements for tobacco surcharge removal and request a Letter of Completion to retain for your records. If you think you might be unable to complete the tobacco surcharge removal requirements, you might qualify for an opportunity to avoid the tobacco surcharge by different means. Contact Healthways at 1-888-616-6411 and we will work with you (and, if you wish, with your doctor) to find a well-being program with the same reward that is right for you in light of your health status.

16. HEALTH CARE State Health Benefits Plan Wellness in 2014 What to Do: 1.Assess Your Health Complete your Healthways Well-Being Assessment, confidential on-line questionnaire that takes will take you about 20 minutes *** Complete BOTH and earn $240 for your HRA account*** *** Wellness Biometric Assessment MUST be completed*** 2.Know Your Numbers Complete a biometric screening and submit test results (BMI, BP, Cholesterol, Glucose). Screening results must be completed at a SHPB-sponsored screening event or by your physician and your results submitted appropriately. 3.Take Action It’s your choice! Complete the coaching pathway, on-line pathway or both. Coaching Pathway Create your Well Being Plan Record 5 on-line well being activities using the same tracker with 4 consecutive weeks and earn $40 into your HRA account. You can earn these HRA dollars ($40) up to 6 times. Sample activities: track exercise, track daily steps, track food

17. www.coloniallife.com Medical - Blue Cross Blue Shield of Georgia Customer Service1-855-641-4862 www.bcbsga.com/shbpwww.bcbsga.com/shbp Hours: 8:00 a.m. – 8:00 p.m. ET; Monday – Friday SHBP Call Center 1-800-610-1863 www.mySHBPga.adp.comwww.mySHBPga.adp.com Hours: 8:30 a.m. – 5:00 p.m. ET; Monday – Friday Wellness - Healthways Customer Service*1-888-616-6411www.BeWellSHBP.comwww.BeWellSHBP.com Hours: 8:00 a.m. – 8:00 p.m. ET; Monday – Friday Pharmacy - Express Scripts Customer Service1-877-841-5227 www.express-scripts.com/GeorgiaSHBPwww.express-scripts.com/GeorgiaSHBP Hours: 24 hours a day / 7 days a week Resources/Contact Information State Health Benefit Plan (SHBP)

18. www.coloniallife.com Jefferson County Board of Education o Jefferson County Board of Education provides Term Life Insurance for all eligible employees o $15,000 Term Life and Accidental, Death and Dismemberment Insurance o We have been asked to update everyone’s beneficiary INSURANCE BENEFIT Employee Term Life

19. HEALTH CARE Delta Dental oBasic Plan : JCBOE pays cost for employee’s basic dental coverage oRates are being adjusted effective 7/1/2014. $4.88 oHigh Option: For an additional $4.88 per month, the following services can be added to the basic plan. oUp to 50/50 coverage (12 months waiting period): oCrowns, Fixed Bridges, Partial or complete dentures www.coloniallife.com

20. HEALTH CARE Delta Dental oFamily Coverage is available: Dental Rates will remain the same for this plan year $44.31 Basic coverage : $44.31 per month $62.42 High Option : $62.42 per month. Includes crowns, fixed bridges, partial/complete dentures www.coloniallife.com

21. Long Term Disability Jefferson Pilot www.coloniallife.com o JCBOE pays the premium o Benefit = 60% of your gross salary o 90 day Elimination Period o Benefits: o continue until age 65 o offset by Worker’s Comp or Social Security

22. Short-Term Disability Insurance o Protect your income and lifestyle oUse benefits to help pay for: oLost wages due to accident or sickness oMortgage or rent payments. oUtility bills and other household expenses oUse the money where it’s needed most www.coloniallife.com

23. Voluntary Insurance Benefit Short Term Disability (Jefferson Pilot) 14 th day elimination period for injury and sickness Weekly Gross Disability Benefit = 60% Weekly Benefit Maximum = $750 Benefit period = 11 weeks Pre-existing conditions not covered for 12 months Application, including health questions MUST be completed 14 th day elimination period for injury and sickness Weekly Gross Disability Benefit = 60% Weekly Benefit Maximum = $750 Benefit period = 11 weeks Pre-existing conditions not covered for 12 months Application, including health questions MUST be completed

24. www.coloniallife.com Voluntary Insurance Benefit Short & Long Term Disability Period of Disability Elimination Period Ends – File Short Term Start of Disability – Enter Elimination Period LTDLTD STDSTD Short Term Ends – File Long Term Return to Work – Benefits End Return to Work – Benefits End

25. -Advice: Unlimited Consultation, unlimited topics, personal or business, even on pre-existing conditions. -Letters and phones calls made on your behalf: (one letter, one phone call per subject matter) -Legal Document Review: Personal matters (up to 10 pages per document) -Standard Will Preparation: (Member and Spouse) Yearly Review with Updates. Living Will and Healthcare Power of Attorney Included. -Motor Vehicle Services: (Avail. 15 days after enrollment + valid DL + proper registration + proper insurance) Attorney Representation for Moving Traffic Violations. Unlimited Hours of Representation to defend against manslaughter, vehicular homicide, or negligent homicide. -24/7 Emergency Assistance: After hours consultation for legal emergencies such as, if you are detained, you are involved in an accident, if arrested, served with a warrant, or the state tries to take your child. -Trial Defense: If you are your spouse is named defendant or respondent in a covered civil or criminal action filed in court (criminal must arise from employment) we will give you up to 60 hours of an attorneys time the first membership year with 2.5 of those hours being pre-trial. When you renew, the hours increase as follows: -2 nd Year: 3 Hours of Pre-Trial plus 117 Hours of trial time -3 rd Year: 3.5 Hours of Pre-Trial plus 176.5 hours of trial time -4 th Year: 4 Hours of Pre-Trial plus 246 hours of trial time -5 th Year: 4.5 Hours of Pre-Trial plus 296.5 hours of trial time -Audit Services: One hour of consultation, advice, or assistance if notified of an IRS audit, an additional 2.5 hours if settlement is not achieved within 30 days and if your case goes to court you will receive 46.5 hours of your Provider Law Firms services. Coverage starts with the tax return due April 15 of your enrollment year. -25% off additional Legal Services: Things that extend beyond the plan coverage will be provided at a 25% discount off of typical hourly rates. Things such as DUI, you yourself are suing someone, bankruptcy, and divorce are a few examples. LegalShield Plan Benefits: Covers Member, Spouse (or significant other, unmarried children up to 21, 23 if full time in college, disabled children no age limit.

26. -Credit Report: Evaluate your current credit standing with: * Up to date credit report through Experian and a personal credit score + detailed analysis -Continuous Credit Monitoring * Suspicious activity with be brought to your attention via text or email * New accounts opened in your name * Derogatory notations have been added in your report * Public records have been added in your report or inquiries have been made * A change of address has been requested -Identity Restoration Coverage * Identity Theft can be devastating, overwhelming, and time consuming. You need more than a “do it yourself” kit if it happens to you., you need an expert that can RESTORE your identity. * A licensed investigator from world leading Kroll Advisory Solutions will work on your behalf to help correct and “restore” any identity theft issues you have with affected agencies and institutions, including: Credit Card Companies, Financial Institutions, all 3 credit repositories, the FTC, SSA, DMV, USPS, Law Enforcement personnel…. And other affected organizations. * Fraud alert notifications will sent on your behalf to all 3 credit repositories, the Social Security Administration, FTC, USPS, and affected credit card companies and other financial institutions. * Proactive searches of all applicable local and national databases will be made on your behalf to look for information you may not be aware of, including criminal activity in your name, federal watch lists, DMV records, unknown addresses affiliated with your name, and banking activity in your name reported as fraudulent. Identity Theft Shield: Covers Member, Spouse (or significant other) and up to 8 Minor Children

27. LegalShield and Identity Theft Shield Pricing ** Month to Month Service / No Long Term Commitment** LegalShield Plan Only: $ 15.95 per pay period Covers Member, Spouse (or significant other), all unmarried children up to 21, 23 if full time in college, disabled children with no age limit, and children under 18 where you are the legal guardian. LegalShield Plan + Identity Theft Shield: $ 25.90 per pay period ID Plan will cover member and spouse and up to 8 of your minors up to the age of 18. Identity Theft Shield Only (No LegalShield Plan): $ 12.95 per pay period ID Plan will cover member and spouse and up to 8 of your minors up to the age of 18.

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

29. 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. www.coloniallife.com

30. Colonial Life www.coloniallife.com Life Insurance Permanent Life Insurance Term Life Insurance Hospital Income Supplements Critical Illness Insurance Accident Insurance Cancer Insurance 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.

31. Colonial Supplemental Insurance Life Insurance www.coloniallife.com  In general, there are two forms of life insurance:  Term Life:  Term life is simply a death benefit  Easy to get and inexpensive  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  As a cash building policy, these plans add value to your self-worth  Premium never changes  Invest in your own, or your families future

32. Colonial Supplemental Insurance Life Insurance www.coloniallife.com  Life Insurance you may see during the open enrollment:  ER Paid Life  $15,000 paid by JCBOE – we will update beneficiaries  Hartford Life  Small dependent policy – Children to age 18, 23 if FT students  Eligibility needs to be reviewed  American Fidelity  Permanent Life Insurance?  Customer Service 1-800-323-3748

33. Colonial Supplemental Insurance Life Insurance www.coloniallife.com  Life Insurance you may see during the open enrollment:  Colonial Life  Group Term Life 1.0  Offered new in 2013. Up to 5x Salary up $150,000 max  Spouse eligible up to Employee amount, Spouse ineligible upon divorce  Children eligible to $10,000 maximum to age 26, one premium for all eligible children.  Universal Life or Whole Life  If spouse or children are NAMED INSURED, policy is permanent  Spouse covered by Spouse Term Rider (STR), ineligible upon divorce  Children Covered by Child Term Rider (CTR) eligible to age 25, one premium cover all eligible children  It is the POLICY HOLDERS responsibility to address necessary changes

34. Term Life insurance is simply a death benefit Term Life insurance is simply a death benefit Group Life takes all employee and treats them as a single risk Group Life takes all employee and treats them as a single risk Creates lower rates and makes a very affordable plan Creates lower rates and makes a very affordable plan Coverage Options: Employee - Employee - $10,000 increments, up to 5x your annual salary $150,000 coverage Guaranteed Issue FOR ALL NEW EMPLOYEES Plan includes Accidental Death and Dismemberment Employee Assistance Program and TWO optional AD&D benefits Spouse - Spouse - $5,000 increments up to employee amount selected $25,000 Guaranteed Issue (Employee must insure themselves) Dependents - Dependents - Up to age 26 $1,000 increments, up to $10,000 Guaranteed Issue Single premium includes all eligible children Colonial Supplemental Insurance Group Term Life 1.0

35. o Term Life and Accidental Death o AD&D will double the death benefit (up to $150,000 maximum) o Convertible o Keep coverage if you retire, or leave place of employment o Application is required at the time of conversion o LifeWorks Employee Assistance Program o Accelerated Death Benefit o 75% benefit paid if you are diagnosed terminally ill, with 12 months or less to live, up to $250,000 o Waiver of Monthly Premium o o Monthly premium is waived in the event you become disabled before age 70, 270-day elimination period Colonial Supplemental Insurance Group Term Life 1.0

36. Age Band EmployeeSpouseChild(ren) 0 – 240.040.0890.356 25 – 290.0520.089 30 – 340.070.106 35 – 390.1090.144 40 – 440.1590.239 45 – 490.2540.419 50 – 540.3970.710 55 – 590.5970.982 60 – 640.8911.730 65 – 691.502.842 70 – 741.6685.776 75+5.4539.818 AD&D0.0280.0340.040 Family Suite0.030 Catastrophic Suite 0.033

37. Colonial Life Universal Life Insurance Portable and guaranteed renewable. Cover self or spouse with individual plans Juvenile UL with Guaranteed Purchase Option Can accumulate cash value. Guaranteed to build at 4% annually Policy is YOURS, even if you change jobs or retire Premiums will not change with age The advantage of flexible premium payments and death benefits. www.coloniallife.com 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.

38. Colonial Supplemental Insurance Universal Life Insurance www.coloniallife.com Spouse CoverageSpouse Coverage For amounts less than $50,000 spouse signature not required Duplicate the same benefits as offered to you -- even if you don’t buy a policy for yourself Juvenile CoverageJuvenile Coverage Universal Life -- policy for each child NEW!! Amounts up $100,000 available for Juvenile plans Low rates at younger age, coverage continues even if health problems develop Opportunity to increase coverage at age 18, 21 & 24 with no health questions asked. Maximum face value $100,000 A tremendous value for children under the age of ten – premiums for $25,000 typically less than $10 monthly

39. Colonial Supplemental Insurance Universal Life Insurance www.coloniallife.com  Additional Coverage Available NEW!!! Long Term Care Benefits Use your Universal Life Plan to fund Long Term Care expenses without diminishing the original face value Accidental Death* - Death benefit doubles if death is due to an accident Waiver of Monthly Deduction* -- Protects your policy in the event you become totally disabled before the age of 60 Additional Coverage Term Term life riders as part of the basic policy. Term Life riders are available for the named insured or for spouse or children Guaranteed Purchase Option - The opportunity to increase the original face value at programmed intervals, with NO HEALTH QUESTIONS ASKED * These options are recommended on policies with face values less than $50,0000

40. Colonial Life Whole Life Insurance Portable and guaranteed renewable. Coverage for you and your spouse Built-in Guaranteed Purchase Option Increase face amount at the 2 nd, 5 th and 8 th years with NO HEALTH QUESTIONED ASKED. Can accumulate cash value. Policy builds to a guaranteed cash value at age 65. “Paid Up” life insurance Option to paid in full at age 65 or 95 Stop paying for policy, coverage remains in force Policy is YOURS, even if you change jobs or retire Premiums will not change with age The advantage of flexible premium payments and death benefits. www.coloniallife.com

41. Colonial Life Whole Life Insurance New Underwriting Guidelines For the EMPLOYEE: Any amount that can be purchased for $6.00 Weekly is GUARANTEED ISSUE, up to $25,000 maximum Any amount that can be purchased up to $16.00 Weekly is SIMPLIFIED ISSUE and requires only TWO health questions, up to $50,000 maximum For your SPOUSE: Any amount that can be purchased up to $10.00 Weekly is SIMPLIFIED ISSUE and requires only TWO health questions, up to $25,000 maximum A combination of face value, age and monthly premium will ultimately determine the required underwriting level. www.coloniallife.com

42. Colonial Life Hospital Confinement Indemnity Insurance 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. Transportation to and from the hospital. www.coloniallife.com 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.

43. Medical Bridge 3000 www.coloniallife.com Hospital Confinement Indemnity Insurance This plan has been revised in response to changes in the State Health Benefits Plan. 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: Hospital Confinement – choose $500 or $1000 lump-sum Out-patient surgery - $500 or $1000 depending on procedure ($1500 annual maximum) Wellness benefit - $50 annually for 18 different tests Rehabilitation benefit - $100 daily for 15 days (30 days annual maximum) $250 for diagnostic tests; $150 ER visits for accidents or sickness oCoverage available for Employees, Spouse and Children

44. Critical Illness www.coloniallife.com Critical Illness 1.0 Helps protect your financial security if you experience a specified critical illness or catastrophic illness Heart attack (myocardial infarction) Stroke Organ Transplant Kidney failure (end-stage renal failure) Bypass surgery Blindness (due to an accident) Coma (due to an accident) Pays a lump-sum benefit upon diagnosis. Up to $75,000 for employees and $40,000 for spouse and children Dependent benefit is 25% of employee amount up to $40,000 max Subsequent Diagnosis benefits included The benefit is paid to you unless you specify otherwise—use the money where it’s needed most!

45. Colonial Life Accident Insurance oAn on-the-job accident occurs every eight seconds oApproximately 22% of the injury visits to an emergency room are the result of sports-related activities for persons between the age of 5 and 22 oHelps pay the direct (medical) and indirect (non- medical) expenses that may result from a covered accident. oProvides benefits for initial care and treatment, in addition to some follow-up care that you may need. www.coloniallife.com 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.

46. Accident Care www.coloniallife.com Accident Insurance Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident. Initial Care - ER benefit, Ambulance benefit, Doctors Follow-up benefit Injury Benefits – Broken bones, dislocations, burns, concussions, lacerations, and more Benefits range from $50 (broken toe or finger) to $4,000 (dislocated hip) Hospitalization – Admission benefits and daily confinement benefits, ICU admission and ICU confinement benefits Other benefits –physical therapy, wheelchairs, crutches, accidental death

47. Group Accident 1.0 www.coloniallife.com BENEFITGroup Accident 1.0 Plan 2Plan 3 Accident ER Treatment$125 per visit Accident Follow-Up Doctor Visit (Doctor’s office, urgent care facility, or emergency room) $50/3 visits per covered accident,12 visits per calendar year $50/4 visits per covered accident, 16 visits per calendar year Accidental Death $25,000 EE/SP $5,000 CH $50,000 EE/SP $10,000 CH Accidental Death : Common Carrier $100,000 EE/SP $20,000 CH $200,000 EE/SP $140000 CH Accidental Dismemberment Loss of a Finger/Toe/Loss of Hand/Foot/Sight $300 (1); $600 (2+) $3,000 (1) $6,000 (2+) Ambulance – Air$1,500$2,000 Ambulance – Ground$200$400 Appliances$100$200 Blood, Plasma, Platelets$300$500 Burns (based on size and degree) $1,000 (2 nd degree covering 36% of the body) $2,000 (3 rd degree covering 9 sq inches, but less than 35 sq inches) $12,000 (3 rd degree covering 35 or more sq inches) $1,500 (2 nd degree covering 36% of the body) $3,000 (3 rd degree covering 9 sq inches, but less than 35 sq inches) $18,000 (3 rd degree covering 35 or more sq inches) Burns – Skin Graft50% of Burn Benefit Coma (duration at least 14 days)$10,000$20,000 Concussion$150$200

48. Group Accident 1.0 www.coloniallife.com BENEFITGroup Accident 1.0 Plan 2Plan 3 Dislocation (based on joint and if repaired by open or closed reduction) $150 - $6,000$200 - $8,000 Extended Accident Dismemberment EE/SP $50,000 CH $25,000 EE/SP $75,000 CH $37,500 Emergency Dental Work $300 (crown, implant, or denture) $100 (extract) $600 (crown, implant, or denture) $200 (extract) Eye Injury$150$200 Fractures (Based on bone and if repaired by open or closed reduction) $150 - $7,500$200 - $10,000 Hospital Admission*$1,000$1,500 Hospital Confinement* (Per day up to 365 days) $200$300 Hospital ICU Admission*$1,500$2,500 Hospital ICU Confinement (for up to 15 days) $400$600 Colonial will pay either the Hospital Admission Benefit or the Hospital ICU Admission Benefit, but NOT both Knee Cartilage – Torn$500$1,250 Laceration (based on size and repair) No Stitches: $25 With Stitches < 2”: $75 2” – 6”: $300 >6”: $600 No Stitches: $50 With Stitches < 2”: $150 2” – 6”: $600 >6”: $1,200 Lodging (Companion) (daily for up to 30 days) $150$200

49. Group Accident 1.0 www.coloniallife.com BENEFITGroup Accident 1.0 Plan 2Plan 3 Medical Imaging Study Limit one accident per year $150$200 Pain Management (Epidural Anesthesia) $100$150 Prosthetic Device/Artificial Limb $500 (1); $1,000 (2 +) $1,000 (1); $2,000 (2 +) Ruptured Disc$500$1,200 Surgery – Cranial, Open Abdominal, Thoracic, excluding hernia $1,500$2,000 Surgery – Hernia$200$250 Surgery – Exploratory or arthroscopic $150$250 Tendon/Ligament/Rotator Cuff $500 (1) $750 (2 +) $1,200(1) $1,800 (2 +) Therapy – Occupational and Physical Therapy Benefit $25 per day, for up to 10 days$40 per day, for up to 10 days Transportation Up to 3 trips per accident $500 per trip (must be more than 50 miles) $600 per trip (must be more than 50 miles) X-Ray Benefit$30$50

50. Colonial Life Cancer Insurance  The risk of developing cancer is, unfortunately, very real. The lifetime risk for men is 1 of 2, and for women 1 of 3 $174 Billion  Cancer costs exceed $174 Billion annually in the U.S. Primarily indirect and hidden costs Major Medical typically covers 35% of Direct Costs YOU pay indirect expenses -- 65% of total costs!  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 www.coloniallife.com

51. Cancer 1000 www.coloniallife.com 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. $75 to $100 depending on plan Diagnosis of skin cancer. Hospital confinement - $200 to $300 daily After 30 days, benefit doubles if still hospitalized Radiation/chemotherapy - $200 to $300 daily Monthly maximums' apply depending on delivery method Transportation – 50 cents/mile for $1500 mile round trip. Payable for insured and traveling companion Lodging - $75/night for 70 nights

52. www.coloniallife.com What Happens Next? Review and Enroll Take advantage of your options. Don’t be afraid to ask questions. If you have question prior to your individual meetings, feel free to contact Hal Doyle at 706- 951-8839 or e-mail haldoyle@comcast.nethaldoyle@comcast.net What is important to you, and do you need to protect it? We will meet with you individually to help you tailor your benefits plan to your needs. Your benefits counselor will asked you to complete an on-line survey regarding your “enrollment experience” All participants are entered into a drawing for an American Express Gift Card Information is available for all Colonial Policy Holders to set up an on-line account to access your Colonial information

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

54. www.coloniallife.com …07/01/2014 Enrollment Elections are effective …