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1 Jefferson County Board of Education 2013 Open Enrollment Employee Benefits Meeting

2 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 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 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 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. Annual 403(b) Plan Eligibility Notice VALICEric Swierski(803) ING (RELIASTAR)Bruce Beck(706) LINCOLN NATIONALNo RepresentativeWebsite: Agents:

6 Jefferson County Board of Education Section 125 Medical Plan Review Dental Group Long Term Disability Voluntary Benefits Accident New Plan for 2013!! Life Insurance Group Term Life – New Plan for 2013 Group Short Term Disability Cancer Hospital Supplement Critical Illness

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

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. WithoutWithPremiumOnly Plan Gross pay$500.00$ Pretax reduction (major medical ins.) Taxable gross FICA, fed. & state taxes Net pay Payroll Deduction (major medical ins.) Take home pay$381.02$392.54

9 Premium Only Plan Flexible Benefits Programs 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 oMedical plan information is for your review ONLY. Your State Merit Benefits will be re-enrolled in OCTOBER each year, all other benefits are re-enrolled in APRIL.

10 State Health Benefits Plan Options REVIEW ONLY. o This is a REVIEW ONLY. Your State Health Benefits Plan is renewed on October every year o A Consumer-Driven approach to your health benefits oThree Plan Options oHRA Option oHDHP Option oHMO Option

11 HEALTH CARE State Health Benefits Plan o Changes in 2013 – effective 1/1/2013 o Elimination of the Spousal Surcharge o Increase in deductibles and co-insurance for the HRA,HDHP and HMO Standard and Wellness Plans o Increase in co-payments under the HMO Standard Plans o PCP & Urgent Care- $55; Specialist - $65 o Change in HRA credits in the Standard Plan o Increase in premiums for most plan options and tiers

12 o Wellness Option: o Lower premium, lower co-insurance o Must complete requirements before 31 May 2013 o Health assessment o On-line health training o Biometric screening (if enrolled new in 2013) o Surcharges: o Tobacco - $80.00 monthly, if ANY covered person has been a tobacco user in the past 12 months o Wellness Option: o Lower premium, lower co-insurance o Must complete requirements before 31 May 2013 o Health assessment o On-line health training o Biometric screening (if enrolled new in 2013) o Surcharges: o Tobacco - $80.00 monthly, if ANY covered person has been a tobacco user in the past 12 months HEALTH CARE State Health Benefits Plan

13 State Health Benefits Plan Outline (In-Network) Georgia Department of Community Health - State Health Benefit Plan Calendar Year 2013 Plan DesignWELLNESS HRASTANDARD HRAWELLNESS HMOSTANDARD HMOWELLNESS HDHPSTANDARD HDHP Deductible You$1,600 $1,300 $1,800/$3,600 $2,000/$4,000 You + Child(ren)$2,800 $1,950 $3,600/$7,200 $4,000/$8,000 You + Spouse$2,800 $1,950 $3,600/$7,200 $4,000/$8,000 You + Family$4,000 $2,600 $3,600/$7,200 $4,000/$8,000 Out-of-Pocket You$4,000$4,500$4,000+Copays$4,500+Copays$4,000/$8,000 $4,500/$9,000 You + Child(ren)$6,500$7,000$6,500+Copays$7,000+Copays$8,000/$16,000 $9,000/$18,000 You + Spouse$6,500$7,000$6,500+Copays$7,000+Copays$8,000/$16,000 $9,000/$18,000 You + Family$9,000$9,500$9,000+Copays$9,500+Copays$8,000/$16,000 $9,000/$18,000 HRA Dollars You$500$150N/A You + Child(ren)$1,000$300N/A You + Spouse$1,000$300N/A You + Family$1,500$500N/A Office Visit85%/60%, after ded $35 PCP, $45 SCP $55 PCP, $65 SCP90%/60%, after ded 80%/60%, after ded Hospitalization85%/60%, after ded 80%, after ded 90%/60%, after ded 80%/60%, after ded Lab85%/60%, after ded 80%, after ded 90%/60%, after ded 80%/60%, after ded Pharmacy Cost Share After deductible Tier 1 15%, Min $20, Max $50 $20 In 20%, Min $10, Max $100; Out - no coverage Tier 2 25%, Min $50, Max $80 $50 Tier 3 25%, Min $80, Max $125 $90 Tier 4N/A

14 HEALTH CARE State Health Benefits Plan STANDARD OPTION EE ONLY EE & CH EE & SP FAMILY UHC HMO $149.38$325.88$347.34$ UHC HRA $104.92$271.26$286.66$ UHC HDHP $93.54$253.32$267.34$ CIGNA HMO $142.38$318.88$340.34$ CIGNA HRA $97.92$264.26$279.66$ CIGNA HDHP $86.54$246.32$260.34$ Basic plan rates – An $80 surcharge is added if any covered member or dependents use tobacco products Basic plan rates – An $80 surcharge is added if any covered member or dependents use tobacco products WELLNESS OPTION EE ONLY EE & CH EE & SP FAMILY UHC HMO $139.38$300.88$322.34$ UHC HRA $94.92$246.26$261.66$ UHC HDHP $83.54$228.32$242.34$ CIGNA HMO $132.38$293.88$315.34$ CIGNA HRA $87.92$239.26$254.66$ CIGNA HDHP $76.54$221.32$235.34$324.48

15 HEALTH CARE State Health Benefits Plan INSTRUCTIONS FOR ACCESSING THE HEALTH ASSESSMENT AND WELLNESS PROGRAMS: CIGNA Healthcare 1. Log onto and log in using your User ID and Password, and then select “Go.” If you are not yet registered for myCIGNA.com, you will need to do that first: a. On the log in screen, in the bottom-left menu, select “Register.” b. Follow the registration instructions and enter the required information.When finished, you will be asked to log in using your new User ID and Password.www.myCIGNA.com 2. Once logged in, on the right side of the first page, you’ll see a box labeled “I want to….” Select the link that says “Take my health assessment.” If you can’t find this link, select the tab near the top-left of the page called “My Plans,” and then select the sub-tab labeled “Medical.” Now, again look on the right side of the page for a box labeled “I want to….” Select the link that says “Take my health assessment.” 3. On the next page, select your name. A new window will open to the my health & wellness center log-in page. 4. On the log-in page, under “New Users,” select “Register for my health & wellness center.” 5. Follow the registration instructions and complete all required fields. 6. When registration is complete, the next page will be the my health & wellness center home page. From here, you can take your health assessment or join an Online Health Coaching Program. For telephonic wellness programs or If you have trouble with the Health Assessment or Wellness Information, please contact the Customer Service Unit of your Health Plan Vendor.

16 HEALTH CARE State Health Benefits Plan INSTRUCTIONS FOR ACCESSING THE HEALTH ASSESSMENT AND WELLNESS PROGRAMS: UnitedHealthcare 1. Click on 2. Click on “Site Login” and enter Username and Password or “Need a user name and password” if a first time user. 3. Click on the "Health Assessment" button located in the right hand column 4. On the Health & Wellness homepage, click on "Spanish or English Health Assessment“ 5. Read the privacy information and then click on "Launch University of Michigan Health Assessment" in the middle of the page. 6. Answer the questions and hit "Submit to the University of Michigan for Analysis" at the bottom of the questionnaire. 7. Review your personal results profile. You may also print for your records. Your completed health assessment will personalize your online health & wellness experience. 8. In addition to completion of the Health Assessment, you must complete an online or telephonic wellness program. For telephonic wellness programs or If you have trouble with the Health Assessment or Wellness Information, please contact the Customer Service Unit of your Health Plan Vendor.

17 Members new to a Wellness Plan must complete three (3) health actions: Members and spouses (if covered) the online SHBP Member Education module between January 1, 2013 and 4:30pm on May 31, 2013 Members and spouses (if covered) must complete an online health assessment NLT 4:30pm on May 31, 2013 Members and spouses (if covered) must obtain their biometric screenings NLT May 31,2013 and have their physician fax a completed Screening Form NLT 4:30pm on May 31, 2013 For all of the requirements, be sure to PRINT A COPY OF YOUR CERTIFICATE OF COMPLETION Members new to a Wellness Plan must complete three (3) health actions: Members and spouses (if covered) the online SHBP Member Education module between January 1, 2013 and 4:30pm on May 31, 2013 Members and spouses (if covered) must complete an online health assessment NLT 4:30pm on May 31, 2013 Members and spouses (if covered) must obtain their biometric screenings NLT May 31,2013 and have their physician fax a completed Screening Form NLT 4:30pm on May 31, 2013 For all of the requirements, be sure to PRINT A COPY OF YOUR CERTIFICATE OF COMPLETION HEALTH CARE State Health Benefits Plan Members who re-enrolled in a Wellness Plan (met their 2012 Wellness Promise) will complete two (2) health actions for 2013 Members and spouses (if covered) must complete an online SHBP Member Education module at between NLT May 31, 2013 Members and spouses (if covered) must also complete an online health assessment NLT 4:30pm on May 31, 2013

18 HEALTH CARE State Health Benefits Plan All members and spouses (if covered) enrolled in either a 2013 Standard Plan or enrolled in a Wellness Plan option for the first time will each be eligible to earn a $240 HRA incentive fund contribution for 2014 if they complete all of the three actions listed Second year Wellness Plan members and spouses (if covered) need to complete only the first two actions, number s one (1) and two (2) to earn a $240 HRA incentive fund contribution.

19 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

20 HEALTH CARE Delta Dental oBasic Plan : JCBOE pays cost for employee’s basic dental coverage oRates are being adjusted effective 7/1/2013. $4.76 oHigh Option: For an additional $4.76 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

21 HEALTH CARE Delta Dental oFamily Coverage is available: Dental Rates will remain the same for this plan year $43.20 Basic coverage : $43.20 per month $60.86 High Option : $60.86 per month. Includes crowns, fixed bridges, partial/complete dentures oIf changes are made, you MUST complete a new application – agents will assist you

22 Long Term Disability Jefferson Pilot 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

23 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

24 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

25 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

26 Why Supplemental Insurance? 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?

27 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.

28 Colonial Life 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.

29 Colonial Supplemental Insurance Life Insurance  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

30 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 EMPLOYEES During THIS ENROLLMENT ONLY New 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 – New Plan for 2013!!

31 o Term Life and Accidental Death o AD&D will double the death benefit (up to $150,000 maximum) o Old plan DID NOT include AD&D o Better Rates o Employee rates are lower than prior years. o At certain age groups, spouse premiums may be higher 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 – New Plan for 2013!!

32 All Existing Colonial VGTL Coverage will be converted with NO HEALTHAll Existing Colonial VGTL Coverage will be converted with NO HEALTH QUESTIONS ASKED QUESTIONS ASKED Full amount of in-force coverage! Full amount of in-force coverage! Take advantage of the new rates!! Take advantage of the new rates!! Any new coverage up to $150,000 is Guaranteed IssueAny new coverage up to $150,000 is Guaranteed Issue NO HEALTH QUESTIONS – All full time employee are eligible NO HEALTH QUESTIONS – All full time employee are eligible New applications or increase to Colonial VGTL plans New applications or increase to Colonial VGTL plans Accidental Death and Dismemberment benefit Accidental Death and Dismemberment benefit NEW BENEFIT – not included in VGTL plan NEW BENEFIT – not included in VGTL plan Optional Family and Catastrophic Illness Benefits Optional Family and Catastrophic Illness Benefits All Existing VGTL coverage MUST be changed to GTL 1.0All Existing VGTL coverage MUST be changed to GTL 1.0 VGTL plan will be lapsed as of 7/1/2013 VGTL plan will be lapsed as of 7/1/2013 Colonial Supplemental Insurance Group Term Life 1.0 – New Plan for 2013!!

33 Age BandVGTL (OLD) GTL 1.0 (NEW) VGTL (OLD) GTL 1.0 (NEW) VGTL (OLD) GTL 1.0 (NEW) EmployeeSpouseChild(ren) 0 – – – – – – – – – – – AD&Dn/a0.028n/a Family Suite0.030 Catastrophic Suite 0.033

34 Colonial Life Universal Life Insurance Portable and guaranteed renewable. Coverage for you and your family. 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. 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.

35 Colonial Supplemental Insurance Universal Life Insurance Spouse CoverageSpouse Coverage Duplicate the same benefits as offered to you -- even if you don’t buy a policy for yourself Spouse Term Coverage in addition to your Life Policy For amounts less than $50,000 spouse signature not required 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

36 Colonial Supplemental Insurance Universal Life Insurance  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

37 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.

38 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. 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.

39 Medical Bridge 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

40 Critical Illness 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!

41 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. 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.

42 Accident Care Accident Insurance Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident. Initial Care - $150 ER benefit, $100 Ambulance benefit, $50 Doctors Office 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 - $750 on admission, $200 daily for 365 days Other benefits – Follow-up doctor visits, physical therapy, wheelchairs, crutches, accidental death Optional benefits include – wellness benefit, sickness hospitalization and spouse disability

43 Group Accident 1.0 – New Benefit BENEFITAccident CareNEW!!! Group Accident 1.0 PLAN IN USEPlan 2Plan 3 Accident ER Treatment$150$125 per visit Accident Follow-Up Doctor Visit (Doctor’s office, urgent care facility, or emergency room) $50 must occur after initial ER or DOV within 90days of covered accident $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 $10,000 SP $5,000 CH $25,000 EE/SP $5,000 CH $50,000 EE/SP $10,000 CH Accidental Death : Common Carrier $50,000 EE $20,000 SP $10,000 CH $100,000 EE/SP $20,000 CH $200,000 EE/SP $ CH Accidental Dismemberment Loss of a Finger/Toe/Loss of Hand/Foot/Sight $750 – $15,000 $300 (1); $600 (2+) $3,000 (1) $6,000 (2+) Ambulance – Air$500$1,500$2,000 Ambulance – Ground$100$200$400 Appliances$100 $200 Blood, Plasma, Platelets$300 $500 Burns (based on size and degree) $750 (2 nd degree covering 36% of the body) $1,500 (3 rd degree covering 9 sq inches, but less than 35 sq inches) $10,000 (3 rd degree covering 35 or more sq inches) $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 GraftNot covered50% of Burn Benefit Coma (duration at least 14 days)Not covered$10,000$20,000 Concussion$100$150$200

44 Group Accident 1.0 – New Benefit BENEFITAccident CareNEW!!! Group Accident 1.0 PLAN IN USEPlan 2Plan 3 Dislocation (based on joint and if repaired by open or closed reduction) $100 - $4,000$150 - $6,000$200 - $8,000 Extended Accident Dismemberment Not Covered EE/SP $50,000 CH $25,000 EE/SP $75,000 CH $37,500 Emergency Dental Work $150 (crown, implant, or denture) $50 (extract) $300 (crown, implant, or denture) $100 (extract) $600 (crown, implant, or denture) $200 (extract) Eye Injury$200$150$200 Fractures (Based on bone and if repaired by open or closed reduction) $50 - $5,000$150 - $7,500$200 - $10,000 Hospital Admission*$750$1,000$1,500 Hospital Confinement* (Per day up to 365 days) $200 $300 Hospital ICU Admission*None$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) $50 - $400 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) $100$150$200

45 Group Accident 1.0 – New Benefit BENEFITAccident CareNEW!!! Group Accident 1.0 PLAN IN USEPlan 2Plan 3 Medical Imaging Study Limit one accident per year Not Covered$150$200 Pain Management (Epidural Anesthesia) Not Covered$100$150 Prosthetic Device/Artificial Limb $500 (1) $1,000 (2 +) $500 (1); $1,000 (2 +) $1,000 (1); $2,000 (2 +) Ruptured Disc$400$500$1,200 Surgery – Cranial, Open Abdominal, Thoracic, excluding hernia $1,000 (open abdominal or thoracic) $1,500$2,000 Surgery – HerniaNot Covered$200$250 Surgery – Exploratory or arthroscopic Not Covered$150$250 Tendon/Ligament/Rotator Cuff$400 - $600 $500 (1) $750 (2 +) $1,200(1) $1,800 (2 +) Therapy – Occupational and Physical Therapy Benefit $25 for up to 6 visits$25 per day, for up to 10 days$40 per day, for up to 10 days Transportation Up to 3 trips per accident $300 per trip (must be more than 100 miles) $500 per trip (must be more than 50 miles) $600 per trip (must be more than 50 miles) X-Ray BenefitNone$30$50

46 Group Accident Rates ACCIDENT CAREGROUP ACCIDENT Base PlansOff-JobOn/Off-JobBase PlansPlan 2Plan 3 Employee$14.25$16.75Employee$14.93$23.69 Employee + Spouse$20.00$22.25Employee + Spouse$28.64$ _Parent Family$25.75$28.001_Parent Family$31.16$ Parent Family$31.50$ Parent Family$42.27$57.89 If you have in-force Accident Care, you may keep that plan. This is Group Insurance and require a minimum of 10 participants There are NO optional benefits with plan

47 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

48 Cancer 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. $25 to $125 depending on plan Diagnosis of skin cancer. Hospital confinement - $100 to $400 daily After 30 days, benefit doubles if still hospitalized Radiation/chemotherapy - $100 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 NOTE: There have are several generations of cancer plans in force. If your plan is over 10 years old we discourage replacement without reviewing the benefits. Newer plans may not provide the benefits of these plans.

49 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 or 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 a $100 American Express Gift Card Information is available for all Colonial Policy Holders to set up an on-line account to access your Colonial information

50 Employee Benefits Communication & Education oFinal Thoughts oService Issues oClaims oRetiring oChanging jobs

51 What Happens Next? 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?

52 …07/01/2013 Enrollment Elections are effective …


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