1. TWU Summer 2014 Benefits Meeting August 19, 2014

2. Introductions – Arleen Tesoriero, Account Manager Account Management Experience Review STD Claim Form Review STD Claim Process Questions Agenda 2Company confidential

3. Experience 01/01/2011 through 07/31/2014 Total number of claims since 01/01/2011: 313 claims 2011-61 claims 2013-103 claims 2012-115 claims 2014( through July)-34 claims Average duration of claims: 2011- 93 days 2013-109 days 2012- 118 days 2014- 97 days Average paid per claim 2011-$5730.96 2013-$6921.50 2012-$6768.47 2014-$5588.79

4. Claim Duration by Diagnosis 01/01/2013 through 12/31/2013 DiagnosisApproved Claims%Average Duration Bone, Joint, Muscle262597 Back Conditions1918121 Circulatory/Heart12 114 Misc/Unclassified7754 Fracture55106 Cancer55165 Digestive6680 Reproductive/ Urinary 6684 Mental Disorders66155 All others including Respiratory, Maternity,,ENT 1110130

5. Claim Duration by Diagnosis 01/01/2014 through 07/31/2014 DiagnosisApproved Claims%Average Duration Bone, Joint Muscle926106 Back Conditions72190 Fracture412138 Misc/Unclassified3939 Reproductive/ Urinary 3999 Eye, Ear, Nose,throat 2634 Mental Disorders26151 Suppressed423100

6. STD Benefits Benefit percentage-Weekly STD benefit is 50% of the first $8,000 of your weekly insured pre-disability earnings, reduced by deductible income Plan Maximum-$4,000 Plan Minimum-$15 Maximum Benefit Period-26 weeks. STD benefits end, though, upon payment of Long Term disability benefits payable under a group plan provided by the employer Benefit Waiting period-The longer of the period of sick leave to which you are entitled or 7 days of disability

7. STD Benefits Cont. Definition of disability-You will be considered disabled if, as a result of physical disease,injury, pregnancy or mental illness: You are unable to perform with reasonable continuity the material duties of your own occupation, and You suffer a loss of at least 20 percent in your pre- disability earnings when working in your own occupation Rehabilitation Plan Reasonable Accommodation Expense Benefit Exclusions/Limitations

8. Intake MethodPaper/FaxWeb Cost of ServiceNo additional cost High-level Claim Submission Process Employee and employer complete paper packet of forms and submits the completed form to us by mail or fax. Claim packet includes an Employee Statement, Employer Form, Attending Physician Statement and Authorization. Completed claim forms may be scanned and e-mailed to: NYDBSR@standard.com NYDBSR@standard.com or faxed to: 1-800-378-8361 Claimant logs onto our website to submit information for the Employee Statement. The claimant then prints off the remaining forms (Employer Statement, Attending Physician Statement, and Authorization) for completion. Claim Intake Company Confidential

9. Check List for Filing STD Claim Employer Statement Employee/ Attending Physician Statement Authorization to Obtain and Release Information Pay Stub & Identification Page 2 of 7Page 4 of 7Page 6 of 7 To be filled out by Benefit Coordinator or Local Union Representative. Top portion to be completed by employee. Physician Statement must be completed by the physician certifying disability. To be completed by employee. This form authorizes The Standard to obtain necessary medical information. Employee to provide most recent pay stub from prior to last day worked and copy of drivers license. If claiming benefits for overtime, employee must provide pay stubs from 52 weeks prior to last day worked. Company Confidential

10. Employer Statement Elements EIN and Date Employed are important in determining eligibility LTD enrollment information needed to determine when STD benefits end Other benefits and workers’ compensation Predisability Earnings Sick leave pay and other compensation Local Number: drop down box to chose Local Union # Include all contact information for representative completing the form Company Confidential

11. Employee/Attending Physician Statement Employee section must be fully completed Employee must sign and date the form The Physician Statement must be completed by the health care provider certifying disability and be signed by a licensed practitioner or his representative Company Confidential

12. Authorization Authorization needs to be signed and dated by the employee and should be included with initial claim submission This form authorizes The Standard to obtain necessary medical documentation to assist in claim adjudication. Company Confidential

13. STD Claim Review 13Company Confidential Appropriate resources applied to every claim

14. Wrap Up Questions/Comments? Thank you for having us! We value your business and look forward to a successful 2014! Company Confidential14