1. Dilemma for Benefits Communications Central Virginia Employee Benefits Council March 5, 2008

2. A Looming Disconnect Increasingly complex benefit responsibility for employees Wider use of “new media”

3. Choosing Benefits

4. Example 25 year old single female new hire Full time $36,000 salary

5. Complex Decisions Which medical plan? $$ now and later? FSA/HSA/HRA? Do I save a % of my pay? How much is that? What investment funds to select? Can I buy more vacation? Do I have the right life insurance? Do I have to have disability benefits? Am I ever going to have fun again?

6. Difficult Financial Concepts Net pay Cash flow Pre tax Investment funds Tax bracket Eligible claims Year end carryover Deductible Reasonable & customary fees

7. Where Do They Get Their Information?

8. Information in Age of Aquarius Boomers (over 45) –Meetings –Handouts –Booklets –Local community contacts –Internet –Videos –Peers

9. Information in New Media Gen X and Millennial (under 45) –Peers –Cell phones –Text messages –Online communities –Blogs –E-mails –Internet –Podcasts –Print –Video –Meetings

10. New Media Technology based Mobile Interactive User-generated Wireless Peer to Peer Instant Speed

11. New Media Blogs Podcasts Sound Video Text Messaging Networks Online Communities Craigs list Vault ITunes –NPR rebroadcast YouTube Otair Omnilert Wesabe

12. New Media www.wesabe.com www.mint.com www.cleverdude.com www.choate.com www.abcnews.go.com www.richmond.craigslist.org www.youtube.com

13. Blocking & Tackling Who’s your audience? What’s your message? What behavior needs to occur? What does the audience pay attention to? Or getting to “open” What media is available? Timing? Budget?

14. 25 Year Old New Hire??? Millennial Generation X

15. Questions?

16. Dilemma for Benefits Communications Jackie P. Jackson 804-864-1925 jpjackson@jackconsultingllc.com www.jackconsultingllc.com