1. www.coloniallife.com Jefferson County Board of Education 2012 Open Enrollment Employee Benefits Meeting

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

6. 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

7. 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

8. 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 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.

9. 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 www.coloniallife.com

10. State Health Benefits Plan Outline (In-Network) \\ PlanHRA OptionHDHP OptionHMO Option Deductibles (In/Out Network): Employee Employee + Spouse Employee + Child(ren) Employee + Family $1300* ($375) $2250* ($650) $3250* ($1000) (reduced by HRA credits) $1750/$3500 $3500/$7000 $1000 $1500 $2000 Out-of-Pocket Maximum Employee Employee + Spouse Employee + Child(ren) Employee + Family $3000* $5000* $7000* (reduced by HRA credits) $2650/$5800 $4600/$10800 $3000 $4500 $6000 Lifetime Maximum Primary Care Physician For Illness or Injury (In/Out Network): 85%/60% after deductible 80%/60% after deductible $45 PCP $55 SPC www.coloniallife.com

11. State Health Benefits Plan Outline (In-Network) \\ PlanHRA OptionHDHP OptionHMO Option Primary Care Physician For wellness, preventive care, ob/gyn (In Network Only): 100% not subject to deductible (not covered out- of-network) 100% not subject to deductible (not covered out- of-network) 100% not subject to deductible Maternity85%; subject to deductible (60% out-net) 80%; subject to deductible (60% out-net) 100% after initial $45co-pay Physician Services Furnished in hospital 85%; subject to deductible (60% out-net) 80%; subject to deductible (60% out-net) 80%; subject to deductible Physician Services in ER (Non-emergency use of ER not covered) 85%; subject to deductible 90%; subject to deductible (std plan = 80%) 100%, $150 co- pay for facility expenses www.coloniallife.com

12. State Health Benefits Plan Outline (In-Network) \\ PlanHRA OptionHDHP OptionHMO Option Outpatient Surgery (when billed as office visit) 85%/60% subject to deductible (std plan = 85%, subject to in- net deductible) 90%/60% subject to deductible std plan = 80%, subject to in-net deductible) 100% after $35 PCP or $45 SPC co-pay if billed as office visit (std plan = $45PCP, $55 SPC) Outpatient Surgery (when billed as outpatient surgery at facility) 85%/60% subject to deductible90%/60% subject to deductible (std plan = 90%/60%) 80%; subject to deductible Inpatient Services85%/60% after deductible90%/60% after deductible Std plan = 80%/60%) 80%; subject to deductible Well-newborn Care85%/60%, subject to deductible 90%/60%, subject to deductible (std plan = 80%/60%) 100%, no deductible Emergency Care – Hospital treatment of an emergency medical condition Non- emergency use of ER NOT COVERED 85% subject to deductible90% after in-network deductible (std plan 80%) 100% after $150 co- pay (co-pay waived* if admitted, 80% subject to deductible) Non-Routine Lab Fees, X- Rays, Diagnostic Tests 85%/60% after deductible90%/60% after deductible (std plan = 80%/60%) 80% after deductible www.coloniallife.com

13. State Health Benefits Plan Outline (In-Network) \\ PlanHRA OptionHDHP OptionHMO Option Dental and Oral Care NOTE: coverage for most procedures for the prompt repair of sound natural teeth or tissue for the correction of damage caused by traumatic injury. 85%/60% subject to deductible 90%/60% subject to deductible (std plan = 80%/60%) 100% after $45 SPC co- pay per visit; 80% after deductible if inpatient or outpatient facility (std plan = $55) Routine Eye Exam In-net only; every 2 years) 100% (not subject to deductible 100 % (not subject to deductible) Hearing Services85% for routine exam and fitting subject to deductible; $1500 hearing aid allowance every 5 years, not subject to deductible 90% for routine exam and fitting subject to, deductible; $1500 hearing aid allowance every 5 years, subject to, deductible (std plan = 80%) Not covered Ambulance Services for Emergency Care NOTE: Land or air to nearest facility to treat condition 85% subject to deductible 90% subject to in-net dedutible (std plan 80%) 100%, not subject to deductible Urgent Care Services85%/60% after deductible 90%/60% after deductible (std plan = 80%) 100% after $35 co-pay www.coloniallife.com

14. State Health Benefits Plan Outline (In-Network) \\ PlanHRA OptionHDHP OptionHMO Option Home Health Care Services85%/60% subject to deductible 90%/60% subject to deductible (std plan = 80%) 100%; UHC up to 120 visits; CIGNA up to 120 visits per plan year Skilled Nursing Facility In-Network ONLY NOTE: Prior approval required 85% subject to deductible; up to 120 days per plan year; 90% after deductible; up to 120 days per plan year; subject to deductible (std plan = 80%) 80% up to 120 days per plan year; subject to deductible Hospice Care NOTE: Prior approval required 85%/60% subject to deductible 90%/60% subject to deductible (std plan = 80%) 100% subject to deductible Durable Medical Equipment85%/60% subject to deductible 90%/60% subject to deductible (std plan = 80%) 100% not subject to deductible www.coloniallife.com

15. State Health Benefits Plan Outline (In-Network) \\ PlanHRA OptionHDHP OptionHMO Option Tier 1 (Generic)15% ($20 min - $50 max) (40% not subject to deductible 20% Subject to deductible; $10 minimum; $100 Maximum In-network only $20 Tier 2 (Preferred)25% ($50 min - $80 max) (40% not subject to deductible 20% Subject to deductible; $10 minimum; $100 Maximum In-network only $50 Tier 3 (Non-Preferred)25% ($80 min - $125 max) (40% not subject to deductible 20% Subject to deductible; $10 minimum; $100 Maximum In-network only $90 www.coloniallife.com

16. o Wellness Option: o Lower premium, lower co-insurance o $125 wellness incentive added to HRA fund o Must complete biometric screen before 30 June 2012 o Must be submitted by physician to health carrier o Surcharges: o Tobacco - $80.00 monthly, if ANY covered person has been a tobacco user in the past 12 months o Spousal - $50.00 monthly, if you elect to cover a spouse that has coverage available through their employer Some out-of-pocket fees and expenses will increase o Wellness Option: o Lower premium, lower co-insurance o $125 wellness incentive added to HRA fund o Must complete biometric screen before 30 June 2012 o Must be submitted by physician to health carrier o Surcharges: o Tobacco - $80.00 monthly, if ANY covered person has been a tobacco user in the past 12 months o Spousal - $50.00 monthly, if you elect to cover a spouse that has coverage available through their employer Some out-of-pocket fees and expenses will increase HEALTH CARE State Health Benefits Plan

17. www.coloniallife.com HEALTH CARE State Health Benefits Plan INSTRUCTIONS FOR ACCESSING THE HEALTH ASSESSMENT AND WELLNESS PROGRAMS: CIGNA Healthcare 1. Log onto www.myCIGNA.com. 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 www.myCIGNA.com 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.

18. www.coloniallife.com HEALTH CARE State Health Benefits Plan INSTRUCTIONS FOR ACCESSING THE HEALTH ASSESSMENT AND WELLNESS PROGRAMS: UnitedHealthcare 1. Click on www.myuhc.com.www.myuhc.com 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.

19. HEALTH CARE State Health Benefits Plan www.coloniallife.com STANDARD OPTION EE ONLY EE & CH EE & SP FAMILY HEALTH REIMBURSEMENT ACCOUNT 80.58252.18246.24267.54 HIGH DEDUCTIBLE HEALTH PLAN 70.14233.26227.54247.14 HMO129.18309.72304.90333.96 Basic plan rates – surcharges are NOT displayed WELLNESS OPTION EE ONLY EE & CH EE & SP FAMILY HEALTH REIMBURSEMENT ACCOUNT 76.46239.26233.64253.86 HIGH DEDUCTIBLE HEALTH PLAN 66.54221.32215.90234.48 HMO122.56293.88289.30316.86

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

21. HEALTH CARE Delta Dental oBasic Plan : JCBOE pays cost for employee’s basic dental coverage oRates are being adjusted effective 7/1/2011. $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 www.coloniallife.com

22. HEALTH CARE Delta Dental oFamily Coverage is available: Dental Rates are being adjusted effective 7/1/2011 $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 see Mrs. Clements to complete a new application. www.coloniallife.com

23. 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

24. 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

25. 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

26. 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

27. 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?

28. 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

29. 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.

30. 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

31. Group term Life takes the total population and treats them as a single risk. This lowers the rates and makes this (in most cases) a very affordable plan: Coverage Options: Employee: $10,000 increments, up to 5x your annual salarySpouse: $5,000 increments up to employee amount selected Dependents: Up to age 18, 24 for full time students $1,000 increments, up to $10,000 max for each child Colonial Supplemental Insurance Life Insurance

32. Portability Keep coverage if you retire, reduce hours or leave place of employment. Application is required at the time of conversion. SurvivorSupport SurvivorSupport Financial Counseling Service Objective financial planning and advice to your survivors Accelerated Death Benefit 60% of your life insurance benefit paid if you are diagnosed terminally ill, with 12 months or less to live Maximum benefit paid $250,000 Remainder paid to beneficiary Waiver of Monthly Premium Monthly premium is waived in the event you become disabled. Must be disabled for 270 days for eligibility Colonial Supplemental Insurance Life Insurance

33. 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. 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.

34. Colonial Supplemental Insurance Universal Life Insurance www.coloniallife.com  Spouse 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 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

35. 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

36. 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

37. 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.

38. 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

39. Critical Illness www.coloniallife.com Critical Illness 1.0 – revised benefits 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 childen 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!

40. 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.

41. 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 - $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

42. 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

43. 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. $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.

44. www.coloniallife.com What Happens Next? Review and Enroll Take advantage of your options. Don’t be afraid to ask questions. 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

45. Employee Benefits Communication & Education oFinal Thoughts oService Issues oClaims oRetiring oChanging jobs www.coloniallife.com

46. 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?

47. www.coloniallife.com …07/01/2011 Enrollment Elections are effective …