Johnson County Board of Education Note: An important step in the enrollment process is to get the employer’s approval of your slides prior to the group meeting. Your role in the group meeting is to describe the employer’s entire benefits package. This makes it challenging to provide you with a one-size-fits-all presentation. What you have in the slides that follow are some possible options for the employer’s presentation. You will need to determine which slides you can modify and use and which ones you’ll have to eliminate completely. In the basic presentation we have assumed that the employer is offering only one health plan option and that plan takes a consumer-driven approach using an HRA. Some employers may want to position this as a personal benefits account. Slide 4-10 attempt to take you through a consumer-driven only approach. Slides 35-50 provide you some optional slides to use if the employer will be offering more than one option for their medical insurance. If they are using an HRA or HSA, you will need to select the appropriate slides to include. Your 2010 Voluntary Benefits Briefing www.coloniallife.com

Colonial Supplemental Insurance Colonial Agents will be available on: September 20st and 22nd – Middle/High School September 22nd and 23rd – Elementary School www.coloniallife.com www.coloniallife.com

Premium Only Plan Flexible Benefits Programs Also called “Cafeteria Plans” Premium Only Plan is available through your employer IRS Code Section 125 allows selected employee benefits to be deducted from Gross Earnings Lowers taxable income, increases spendable income Elections must be maintained for a year Exceptions: Family Status, Employment Status, Leaves of Absence, Major Health Plan changes www.coloniallife.com www.coloniallife.com

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

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

Supplemental Insurance Benefits These Voluntary benefits are designed to protect your assets and reduce your out-of-pocket expenses Medical Bridge 3000 **Special Medical Bridge offer this year** Short Term Disability Long Term Disability Accident Care Cancer Security Critical Illness Insurance Life Insurance www.coloniallife.com www.coloniallife.com

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 www.coloniallife.com

Colonial Life Hospital Confinement Indemnity Insurance Often referred to as “Gap” or “Medi-Gap” plans 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. Diagnostic Tests Emergency Room Fees 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. www.coloniallife.com www.coloniallife.com

Medical Bridge 3000 Hospital Indemnity Colonial’s Medical Bridge 3000 covers: Hospital Confinement – you choose $500 or $1000 benefit Outpatient surgery in a hospital or surgery center - $500 or $1000 benefit, depending on procedure $250 Diagnostic Testing Benefit $150 Emergency Room Benefit $50 Wellness Benefit $25 Doctor’s Office Benefit www.coloniallife.com www.coloniallife.com

Medical Bridge Hospital Indemnity Benefits are paid regardless of other insurance coverage and paid directly to you Coverage is portable Guaranteed renewable for life Pre-existing condition clause is in-force Monthly Rates (age 17-49): Confinement Benefit: $500 $1000 Individual: $30.85 $36.75 Employee + Spouse $62.75 $74.40 One-Parent Family $52.10 $73.90 Two-Parent Family $73.90 $88.00 www.coloniallife.com www.coloniallife.com

Medical Bridge 3000 Special Disability Offer Special Offer for 2010 Post-Enrollment Guaranteed Issue for ALL eligible employees Pre-existing condition limitations: 12/12 Portable & Renewable to 65 & age 70 if employed Applications must be completed, but all questions will be ignored and discarded by home office Participation of 15% of all employees required, if met, ALL Applications will issue!! NOTE – if participation requirement is NOT met, medical questions will be reviewed and qualified applications will issue. Your benefits counselor will advise you of your status at the time of application. www.coloniallife.com www.coloniallife.com

Colonial Life Short-Term Disability Insurance Helps protect your income and lifestyle if you are unable to work due to a covered accident or covered sickness. Use benefits to help pay for: Mortgage or rent payments. Utility bills and other household expenses Use the money where it’s needed most 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. www.coloniallife.com www.coloniallife.com

Disability 1000 Short Term Disability Replace lost income in the event of disability due to accident or sickness Maximum 66 2/3% of salary coverage available Monthly maximum benefit of $5,000 Choice of elimination periods 3, 6, 12* or 24 month benefit period Pre-existing condition limitations: 12/12 Portable & Renewable to 65 & age 70 if employed Guaranteed Issues for all NEW Employees www.coloniallife.com www.coloniallife.com

Insurance Benefit Short Term Disability Period of Disability STD LTD Return to Work – Benefits End Short Term Ends – File Long Term Elimination Period Ends – File Short Term Start of Disability – Enter Elimination Period www.coloniallife.com www.coloniallife.com

Insurance Benefit UNUM Long Term Disability 24 hour coverage, worldwide coverage 365 day elimination period for injury or sickness Monthly Gross Disability Benefit = 60% Monthly Benefit Maximum = $6,000 Benefit period = to age 65 No premiums while disabled Coverage can be extended for 12 months if you leave workplace Pre-existing conditions not covered for 24 months Standard underwriting rules are in effect. Guaranteed issue for NEW employees only. www.coloniallife.com www.coloniallife.com

Insurance Benefit UNUM Long Term Disability When are you considered disabled? When proof is provided that you: are disabled due to sickness or injury require the regular care of a physician How is your benefit determined? Benefits are based upon a percentage of income to be replaced. What if your disability occurs again? If a disability reoccurs within 6 months, it will be treated as a continuation. www.coloniallife.com www.coloniallife.com

Voluntary Insurance Benefit Pre-Existing Conditions Exclusion Applies to Disability 1000 and Medical Bridge 3000 for 12 months Applies to Long Term Disability for 24 months Certain “pre-existing” conditions may not covered for specified period Any condition treatment or advice from the 12-months prior to the application date may not be covered for the 1st 12-months of coverage (24 months for LTD) Any claim submitted in the 1st 12-months a policy is in force will initiate a medical records review for the 12-months prior to the application date (24 months for LTD) www.coloniallife.com www.coloniallife.com

Colonial Life Accident Insurance Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident. Provides 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. www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Accident Care Colonial’s Accident Insurance offers Family coverage for you, your spouse and your children Designed to help you recover out-of-pocket expenses Benefits paid directly to you Benefits paid regardless of other insurance Coverage is worldwide Policy is portable www.coloniallife.com www.coloniallife.com

Accident Care Benefits Initial Care Ambulance, ER Treatment, Doctor’s Office Open or Thoracic Surgery Blood, Plasma, Platelets Transportation and Lodging Hospital Admission and Confinement Follow-up Care Accidental Death and Dismemberment www.coloniallife.com www.coloniallife.com

Accident Care Injury Benefits Dislocations Fractures Eye Injury Burns Knee Cartilage Concussion Eye Injury Prosthetic Devices Ruptured Disc Tendon/Ligament Rotator Cuff Lacerations Emergency Dental Dislocations Fractures Eye Injury Burns Knee Cartilage Concussion Eye Injury Prosthetic Devices Ruptured Disc Tendon/Ligament Rotator Cuff Lacerations Emergency Dental www.coloniallife.com www.coloniallife.com

Accident Care Additional Options Health Screening Benefit Accident Only Disability Income Accident/Sickness Disability Income Sickness Hospital Confinement Monthly Rates (Base Plan): Individual: $14.25 Individual w/Spouse $20.00 One-Parent Family $25.75 Two-Parent Family $31.50 www.coloniallife.com www.coloniallife.com

Colonial Life 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. Diagnosis of skin cancer. Hospital confinement and surgical benefits. Radiation/chemotherapy. Transportation and lodging. 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. www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Cancer 1000 The risk of developing cancer is, unfortunately, very real . The lifetime risk for men is 1 of 2, and for women 1 of 3 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 Cancer costs exceed $174 Billion annually in the U.S. ONLY 35% are Medically related expenses Primarily indirect and hidden costs not covered by major medical plans www.coloniallife.com www.coloniallife.com

Cancer 1000 Benefits Wellness Benefit. Annual benefit for 17 diagnostic tests performed $1,000 - $5,000 Initial Diagnosis Benefit Defray up-front, immediate costs Bone Marrow donor/donation benefits. Inpatient Benefits Up to $300/day for 30 days Transportation and lodging for companion Benefits paid directly to you, regardless of other insurance Guaranteed Renewable, Portable www.coloniallife.com www.coloniallife.com

Cancer 1000 Treatment Benefits Radiation/Chemotherapy, Medication, Blood and Plasma, Prosthesis Medical Imaging $250 per scan/$500 annual max Inpatient and Outpatient Surgery Extended Patient Care www.coloniallife.com www.coloniallife.com

Cancer 1000 Benefits Individual, one-parent and two parent family plans 4 options available, select benefits to suit your needs Optional coverage First Diagnosis Progressive Payment Specified Disease Monthly Rates (Base Plan): Individual: $26.50 One-Parent Family $30.00 Two-Parent Family $45.00 www.coloniallife.com www.coloniallife.com

Colonial Life Critical Illness Insurance Helps protect your financial security if you experience a specified critical illness such as heart attack (myocardial infarction), or stroke Pays a lump-sum benefit upon diagnosis. The benefit is paid to you unless you specify otherwise—use the money where it’s needed most! 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. www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Critical Illness Insurance Did you know? The average age at which Critical Illness strikes is 43. Stroke is the leading cause of serious, long-term disability in the U.S. 1 in 3 men and women have some form of cardiovascular disease An estimated 1.2 million Americans will have a first or recurrent coronary attack this year The chances of surviving a critical illness are better than ever -- could you survive the impact on your finances? www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Critical Illness Insurance Covered Critical Illnesses Heart Attack -- 100% Stroke -- 100% Major Organ Transplant -- 100% End-Stage Renal Failure -- 100% Blindness – 100% Coronary Artery Bypass -- 25% www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Critical Illness Insurance Benefits Maximum Face Value $75,000 Medical Underwriting varies at lesser amounts Spouse Benefit is 50% of named insured Dependent Children Benefit is 25% of named insured Lump Sum Payment -- paid directly to you and can be utilized for related expenses you choose Subsequent Diagnosis Benefit – reduced benefit paid for previously diagnosed illness for which benefits have been paid Guaranteed Renewable and Fully Portable Rates vary depending age of names insured and face value www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Life Insurance In general, there are two forms of life insurance: Term Life: Easy to get and inexpensive Insurance Protection 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 Premium never changes Invest in your own, or your families future www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Term Life 1000 Term Life provides affordable insurance protection. There are two plans available: 10, 20 and 30 year terms available Face amounts of $10,00 to $500,000 Guaranteed level premiums for the entire term, based on issue age Annual renewal after term is completed Conversion privilege to permanent life insurance Coverage available for Employees and spouses Child Term Rider is available for dependent children Up to age 18 to issue, coverage in force to age 25 www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Universal Life Insurance Permanent, “cash-value” insurance Combines cash building characteristics of Whole Life, with the higher face amounts of Term Life Guaranteed to build at 4% annually Guaranteed renewable and portable Several optional “riders” allow you to tailor plan to your needs: Additional Term Rider Accidental Death Waiver of Premium Guaranteed Purchase Option NEW!! Long Term Care Rider www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Universal Life Insurance NEW - Long Term Care Rider Allows insured to access Universal Life policy death benefit to pay for Long Term Care expenses 6% maximum on a monthly basis Insured must meet “Activities of Daily Living” Criteria prior to use Must need assistance in 2 of 6 ADL’s Bathing, Continence, Dressing, Eating, Transferring, and Toileting Covers expenses for Long Term Care, Assisted Living, Home Health Care or Adult Day Care Facilities Restoration of Benefits Riders protects original death benefit If death occurs after Long Term Care benefits are utilized, this option restores the original death benefit www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Universal Life Insurance Spouse Coverage Universal Life -- Duplicate the same benefits as offered to you -- even if you don’t buy a policy for yourself Spouse Term Rider in addition to your Life Policy Juvenile Coverage Universal Life -- policy for each child Low rates at younger age, coverage continues even if health problems develop Opportunity to increase coverage at age 18, 21 & 24 www.coloniallife.com www.coloniallife.com

Colonial Supplemental Insurance Universal Life Insurance Additional Coverage Available Accidental Death* Waiver of Monthly Deduction* Additional Coverage Term Guaranteed Purchase Option Accelerated Death Benefit Not an option, built in to all Colonial Life insurance plans If the named insured is diagnosed terminally ill, with 12 month or less to live, Colonial will pay up to 75% of the death benefit in advance www.coloniallife.com www.coloniallife.com

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

Questions??? You can contact your Colonial Representative, Hal Doyle for more information prior to the open enrollment: HAL DOYLE Cell Phone – 706-951-8839 E-mail – haldoyle@comcast.net www.coloniallife.com www.coloniallife.com

Annual Enrollment Changes are effective … …10/01/2010 Colonial Benefit Representatives will be available on from September 20st through 23th … all employees must be seen www.coloniallife.com www.coloniallife.com

What Happens Next? Take advantage of your options. Don’t be afraid to ask questions. We will meet with you individually to help you tailor your benefits plan to your needs. www.coloniallife.com www.coloniallife.com