1. WELCOME TO YOUR 2014 OPEN ENROLLMENT!

2. The following benefits are offered… Supplemental Benefits Provided by o Short Term Disability o Accident o Cancer o Critical Illness Flexible Spending Accounts Provided by o Medical Care FSA o Dependent Care FSA

3. Supplemental benefits provide… Benefits paid directly to you – not your hospital; not your doctor. Benefits are paid regardless of any other benefits you may have with other insurance companies. Benefits that do not coordinate, integrate or offset with other sources of income or other coverages. (What you see is what you get) Benefits paid to help offset out-of-pocket expenses and help pay for everyday living expenses. Benefits paid for cancer screening and wellness checks for early detection. (Colonial pays on multiple policies)

4. Key features of Disability This plan replaces a portion of your income if you become totally disabled due to a covered off job accident or sickness.. Plan design… Up to $6,500 per month / up to 60% of income Select from 3 or 6 month benefit period (provides financial protection before your LTD starts paying) Waiting period starting at 0 days for Accident and 7 days for sickness Partial/residual disability benefit

5. Key features of Accident This plan provides lump sum benefits to help offset unexpected medical expenses due to an on or off job accident. Optional spouse disability rider available up to $1,500 per month. Plan design… Includes Wellness Benefit: $50 paid per person / per calendar year Pays lump sum benefits for: Emergency Treatment X-ray Benefit Ambulance/Air Ambulance Dislocations/Fractures Surgical Benefits Transportation/Lodging Hospital/ICU Admission and Daily Confinement Follow-Up Care Accidental Death and Dismemberment Catastrophic Accident

6. Key features of Cancer This plan provides lump sum benefits in the event of a cancer diagnosis. Helping to offset out-of-pocket expenses for indirect non-medical costs associated with cancer. Optional Initial Diagnosis rider up to $10,000 is available. Plan design… Includes Cancer Screening/Wellness Benefit: $100 paid per person / per calendar year (level 3) $100 additional invasive diagnostic procedure (level 3) Pays lump sum benefits for: Radiation/Chemotherapy Surgical Procedures Anesthesia Reconstructive Surgery Experimental Treatments Inpatient/Outpatient Benefits Transportation/Lodging Benefits Extended Care Benefits Ambulance Tranportation/Lodging

7. Key features of Critical Illness Compliments your major medical by providing catastrophic care. This plan pays a lump sum benefit paid for initial and subsequent diagnosis of a critical illness. Plan design… Includes Wellness Benefit: $50 paid per person / per calendar year Employee face amount: $5,000 - $75,000 Spouse face amount: $5,000 - $40,000 Children: 25% of insured face amount Provides benefits for… Heart Attack Stroke Major Organ Failure Kidney Failure Permanent Paralysis Coma Blindness Coronary Artery Bypass

8. Dependent Care Flexible Spending Account Elect a specified amount up to $5,000 per plan year to be subtracted from your gross earnings before payroll taxes are calculated. Use the money to help pay for qualified dependent care expenses. “Use it or loose it” rule: IRS rule requires you to forfeit any unused funds remaining in your FSA account at end of eligible claim year. Have you checked your balance for 2014! Medical Care Flexible Spending Account Elect a specified amount up to $2,500 per plan year to be subtracted from your gross earnings before payroll taxes are calculated. Use the money to help pay for medical expenses not covered by your health

9. To make the most of your benefit options… Complete Interest Survey Meet with a Colonial Life Benefit Counselor to help design your plan. Enter to win a $10 gift card No obligation necessary! (3 drawings) Have you filed for your annual Cancer Screening/Wellness claim? Claims can be file for current year as well as previous years!