1. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com Disability Trends and Secrets to Success Ditching the Definitions Ditching the Definitions Presented by: Marcy Pruitt, DIA

2. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com Disability Trends and Secrets to Success

3. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com Disability Trends and Secrets to Success

4. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com Disability Trends and Secrets to Success

5. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com Disability Trends and Secrets to Success

6. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com Disability Trends and Secrets to Success

7. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com WHAT IF THERE WERE A MONEY PILL? Disability Trends and Secrets to Success

8. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com WHY DO WE NEED WORKPLACE WELLNESS? Department of Health and Human Services, 2007 Disability Trends and Secrets to Success

9. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com National Business Group on Health, 2005 THE BUSINESS VALUE OF WELLNESS Disability Trends and Secrets to Success

10. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com American Dream Study, MetLife, 2010 WHAT ABOUT “FINANCIAL ILLNESS?” Disability Trends and Secrets to Success

11. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com IS THERE A “FINANCIAL ILLNESS” EPIDEMIC? American Dream Study, MetLife, 2010 Disability Trends and Secrets to Success

12. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com FINANCIAL ILLNESS AND MORBIDITY 46.3% reported symptoms of stress Negative Health Effects of Financial Stress, Consumer Interests Annual 2005 Disability Trends and Secrets to Success

13. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com FINANCIAL ILLNESS AND MORBIDITY AP-AOL Health Poll, 2008 Disability Trends and Secrets to Success

14. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com 9 TH Annual Employee Benefits Trend Study, MetLife, 2011 HEALTH AND FINANCIAL STATUS “I think stress is a huge driver of illness— physical, emotional — it’s all mixed together. We have lots of people having financial struggles right now. Disabilities are up. Depression is up.” HR Professional Chicago, IL Disability Trends and Secrets to Success

15. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com BEHAVIOR PROTECTION How can we get our employees to act in their best interests and take on more personal responsibility for their financial security? How can we give our employees greater opportunity to secure their own financial well-being? Disability Trends and Secrets to Success

16. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com BEHAVIOR ROI for employers who offer employees access to quality financial programs is 3:1. A financially healthy employee can save employers up to $2000 a year through increased productivity and reduced healthcare costs. The Personal Finance Employee Education Foundation ROI for employers who offer employees access to quality financial programs is 3:1. A financially healthy employee can save employers up to $2000 a year through increased productivity and reduced healthcare costs. The Personal Finance Employee Education Foundation There is a growing body of evidence that employee financial security is also good for the employer. Disability Trends and Secrets to Success

17. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com PROTECTION American Dream Study, MetLife, 2010 Employees need a better financial safety net Disability Trends and Secrets to Success

18. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com PROTECTION 49% of those with disability income insurance and 41% of those with life insurance say they may be underinsured, or do not know if it they have enough coverage.. High rates of underinsurance in working Americans Only 53% of workers who are concerned about loss of income due to illness or injury have disability insurance Only 69% of workers who are concerned about the impact of their premature death on family financial security have life insurance Disability Trends and Secrets to Success

19. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com BEHAVIOR Financial advice and guidance Auto-enrollment Retirement planning assistance Estate planning Will preparation Retirement modeling tools Retirement seminars Online progress tracking tools Financial counseling Money management courses Special needs planning PROTECTION Supplemental disability Group term life insurance GVUL Legal assistance Long term care insurance Critical illness AD&D insurance Retirement medical Retirement dental Matching 401k contribution Group annuities College tuition assistance Identity theft protection Group auto and home HOW WOULD YOU MANUFACTURE A MONEY PILL? Disability Trends and Secrets to Success

20. DI Done Right 4444 Zion Avenue San Diego, CA 92120 800-898-9641 www.diservices.com DI Hotline (866) 484-0245 Marcy Pruitt, DIA mpruitt@diservices.com www.diservices.com Disability Trends and Secrets to Success