Adults Incidence of presbyopia (“farsightedness”) spikes between ages 38 and 48 90 million adults use computers –Most suffer from VDT disorders –1 million new sufferers every year
Children Vision problems can affect the learning process School screenings may not be enough Problems can be detected as early as 6 months (Source: American Optometric Association)
Freedom of choice Gatekeepers? Panel providers? Choose any vision care provider? Self-referrals to specialists? Change providers at any time? Yes No
Key points Eligibility Deductible Benefits allowances for the following covered services –Examination by an Optometrist or Ophthalmologist –Lenses (single, bifocal, trifocal) –Frames –Contact lenses (cosmetic and non-cosmetic) Please refer to your Summary of Benefits for further details!
The value of group coverage Key advantages over individually purchased insurance –Lower rates –Simplified acceptance –Convenience of payroll deduction
Service, service, service Dedicated Customer Service unit 90% of claims handled in less than 10 working days Call average waiting time is 30 seconds or less Claims financial accuracy exceeds 99%
About... Solid protection from an outstanding insurer Over 50 years group insurance expertise Highly rated
Ratings A.M. BestA++ (Superior) Duff & PhelpsAA+ (Very high) Moody’sAa3 (Excellent) Standard & Poor’sAA+ (Very strong) Ratings do not apply to Pacific Life & Annuity Company’s separate accounts
Please read your materials carefully This has been a brief overview of group coverage underwritten by Pacific Life & Annuity Company. It does not contain all of the policy definitions, limitations and exclusions. For additional information please refer to your Summary of Benefits. THANK YOU.