Life, Disability, Dental & Vision Options
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1 PEBA Standard Insurance Life, Disabiity, Denta & Vision Options Creating a fexibe offering to meet each empoyers needs. Standard Insurance Company
2 Agenda Review current product offering Life & Additiona Life Short Term Disabiity (STD) Long Term Disabiity (LTD) Your Choice Disabiity Denta Vision Process for quoting Life Services Tookit 2
3 Standard Offering Disabiity & Life Insurance Life, Additiona Life & STD/LTD Can currenty quote on any group Life, Additiona Life, STD/LTD pan Broker/Consutant commissions can be incuded Fexibe funding options for STD/LTD, ER paid option, EE vountary option, as we as base/buy-up Offer composite, age banded or custom tiered rates Pan structure can be customized to match current or create other options 3
4 Standard Offering Life Insurance Pan design options: Mutipe of saary Fat Benefit Minimum Benefit in combination with above Options Line of Duty Benefit Enhanced AD&D Provisions Acceerated Benefit Consoidated Waiver with LTD 4
5 Standard Offering Vountary Additiona Life Insurance Pan design options: $10,000 increments Saary Mutipes Maximums Spouse $5,000, $10,000 increments Fat amount Dependents $2,000, $5,000, $10,000 increments Guarantee Issue Eectronic Submission 5
6 Standard Offering Disabiity Insurance Pan design options: % Benefit (40%, 50%, 60%) Saary or Fat Max STD Eimination Periods (0/7, 7/7, 14/14, 30/30) LTD Eimination Periods (90, 180) Options Annuity Contribution Benefit Assisted Living Benefit Provisions Reasonabe Accommodation Benefit ($25,000) Return to Work Benefit 6
7 Your Choice Disabiity Combines STD & LTD into one very fexibe product Empoyees can seect different waiting periods and benefit amounts Increases participation Opens up new markets Offers ower cost options so peope that woud previousy not purchase now have the option to eect coverage Incudes provisions to provide for Famiy & Post retirement coverage Pan provisions Lifetime Security Benefit Famiy Care Expense Adjustment Reasonabe Accommodation Expense Benefit Rehabiitation Pan Provision Return to Work Incentive 7
8 Your Choice Disabiity Mutipe Benefit Waiting Periods 0/7* 14/14* 30/30* 60/60 90/90 180/180 Empoyee Seects Benefit Leve Benefit amounts in $100 increments Minimum of $200 Up to $8,000 or 60% Each empoyee chooses the benefit waiting period that best meets there specific needs. *30 day or ess can have First Day Hospita option to begin immediate payment. Empoyer Seect Pan Duration SSNRA for both Accident/Iness SSNRA for Accident/5 year Iness SSNRA for Accident/2 year Iness 8
9 Standard Offering Fuy Insured Denta Current Offering - Wi quote custom pan designs ranging from fuy ER paid to fuy EE paid Very fexibe in pan design structure to incude variation in: Coinsurance percentages Deductibe amounts Annua Maximum Max Buider roover feature Out of network aowance Orthodontia coverage Procedure pacement Procedure frequencies and age imitations Participation requirements Each poicy wi be assigned their own poicy number Rates are guaranteed for 12 months 9
10 Denta pan sampe Denta Pan Coinsurance (Pan Pays) Type 1 Type 2 Type 3 Deductibe Maximum (per person) PPO 100% 80% 50% $50/Caendar Year Waived Type 1 $150/famiy $1,000/Caendar Year Passive PPO Aowance Type 1 90th U&C Type 2 Type 3 Waiting Period 90th U&C 90th U&C None Aowance A Pan Designs: In Network, discounted fee. Out of Network, U&C. Coinsurance 50% Coverage for Aduts Yes Lifetime Maximum (per $1,000 person) Waiting Period None 10
11 Denta procedure pacement/frequency sampe Denta Pan Pan Design Summary 100/80/50 $50/Caendar Year Waived Type 1 $150/famiy $1,000 Type 1 Procedure (Frequency) Routine Exam (2 in 12 months) Bitewing X-rays (1 in 12 months) Fu Mouth/Panoramic X-rays (1 in 3 years) Periapica X-rays Ceaning (2 in 12 months) Fuoride for Chidren 16 and under (1 in 12 months) Seaants (age 16 and under) Type 2 Procedure (Frequency) Space Maintainers Restorative Amagams Restorative Composites Endodontics (nonsurgica) Endodontics (surgica) Periodontics (nonsurgica) Periodontics (surgica) Simpe Extractions Compex Extractions Anesthesia Type 3 Procedure (Frequency) Onays Crowns (1 in 5 years per tooth) Crown Repair Denture Repair Prosthodontics (fixed bridge; removabe compete/partia dentures) (1 in 5 years) 11
12 Denta quoting process Information needed in order to quote: Name and address of group Census with zip codes and current enroment Experience (>200 enroed ives) with 3 years of data to incude: Premium, paid caims, and enroment by month Pan summary or certificate Current/Renewa rates (if avaiabe) Current commissions (if any) 12
13 Standard Offering Fuy Insured Vision Current Offering Offer shef rates with 3 pan designs (VSP, EyeMed, and a true indemnity pan) as outined in our Baance Care Vision Choice brochure Minimum of 10 enroed empoyees Brochure products have set fuy ER paid rates and fuy EE paid rates Rates are guaranteed for 24 months Each poicy wi be assigned their own poicy number 13
14 Vision Choice Baanced Care Vision I (VSP) VSP Choice Network Out of Network Deductibes $10 Exam $10 Exam $25 Eye Gass Lenses or Frames* $25 Eye Gass Lenses or Frames* Annua Eye Exam Covered in fu Up to $45 Lenses (per pair) Singe Vision Covered in fu Up to $30 Bifoca Covered in fu Up to $50 Trifoca Covered in fu Up to $65 Lenticuar Covered in fu Up to $100 Progressive See ens options NA Contacts Fit & Foow Up Exams 15% discount No benefit See Additiona Baanced Care Vision I Features. Eective Up to $130 Up to $105 Medicay Necessary Covered in fu Up to $210 Frames $130 Up to $70 Frequencies (months) Exam/Lens/Frame 12/12/24 12/12/24 Based on date of service Based on date of service Monthy Rates (Non-contributory) Empoyee Ony (EE) $6.96 EE + Spouse $14.96 EE + Chidren $12.12 EE + Spouse & Chidren $20.12 Monthy Rates (Contributory) Empoyee Ony (EE) $8.48 EE + Spouse $18.28 EE + Chidren $14.76 EE + Spouse & Chidren $
15 Vision Choice Baanced Care Vision II (EyeMed) EyeMed Access Network Out of Network Deductibes $10 Exam No deductibe $25 Eye Gass Lenses Annua Eye Exam Covered in fu Up to $35 Lenses (per pair) Singe Vision Covered in fu Up to $25 Bifoca Covered in fu Up to $40 Trifoca Covered in fu Up to $55 Lenticuar 20% discount No benefit Progressive See ens options NA Contacts Fit & Foow Up Exams Standard Standard: Participant cost up to $55 No benefit Premium (Aowance) Premium: 10% off of retai No benefit Eective Up to $115 Up to $100 Medicay Necessary Covered in fu Up to $200 Frames $110 Up to $45 Frequencies (months) Exam/Lens/Frame 12/12/24 12/12/24 Based on date of service Based on date of service Monthy Rates (Non-contributory) Empoyee Ony (EE) $5.96 EE + Spouse $12.84 EE + Chidren $10.36 EE + Spouse & Chidren $17.24 Monthy Rates (Contributory) Empoyee Ony (EE) $7.48 EE + Spouse $16.12 EE + Chidren $13.00 EE + Spouse & Chidren $
16 Vision Choice Baanced Care Vision III (Standard) Deductibes Maximum Monthy Rates (Non-contributory) Monthy Rates (Contributory) $20 Caendar Year Exam, Eye Gass Lenses or Frames* Caendar Year None Annua Eye Exam Up to $50 Lenses (per pair) Singe Vision Up to $40 Bifoca Up to $60 Trifoca Up to $75 Lenticuar Up to $80 Progressive Up to $80 Contacts Eective/Medicay Necessary Up to $100 Frames $80 Frequencies (months) Exam/Lens/Frame 12/12/24 Based on date of service** Empoyee Ony (EE) $3.96 EE + Spouse $8.52 EE + Chidren $6.88 EE + Spouse & Chidren $11.44 Empoyee Ony (EE) $5.48 EE + Spouse $11.80 EE + Chidren $9.52 EE + Spouse & Chidren $
17 Quoting Process What is needed to quote Census (enroed census for vountary coverage's) Current and aternative pan designs if desired Experience for the foowing group sizes (3-5yrs) >200 Denta >100 STD >250 LTD >1,000 Life Commissions if desired Unique needs Open or Seaed Bid & Process Due Date 17
18 Life Services Tookit Offered as a resource and too to hep you and your beneficiary meet ife s chaenges. The Life Services Tookit is automaticay avaiabe to those insured under a group Life insurance poicy from The Standard. Assistance with the foowing: Estate Panning: Onine toos wak you through the steps to prepare a wi and create documents. Financia Panning: Consut onine services to hep manage debt and take care of financia matters with confidence. Heath and Weness: Artices about nutrition, stress management and weness. Identity Theft Prevention: Resove issues if identity theft occurs. Funera Arrangements: Cacuate funera costs, find funera-reated services and make decisions about funera arrangements. Greif Support: Cinicians with master s degrees are on ca to provide confidentia grief sessions by phone or in person for beneficiaries. 18
19 PEBA Standard Insurance Questions??? Thank you for your time 19
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