BOARD OF ALDERMEN COMMITTEE MEETING IN BOARD OF ALDERMEN CONFERENCE ROOM ST. CHARLES ROCK ROAD ST. ANN, MISSOURI, November 27, 2017

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1 BOARD OF ALDERMEN COMMITTEE MEETING IN BOARD OF ALDERMEN CONFERENCE ROOM ST. CHARLES ROCK ROAD ST. ANN, MISSOURI, November 27, 2017 COMMITTEE MEETING AGENDA 1. Call to Order 2. Roll Call 3. Presentation from Daniel & Henry Supplemental Employee Benefits 4. Items Referred from Regular Board of Aldermen Meeting a. Bill 3161 AN ORDINANCE REPEALING AND REPLACING SECTION OF THE ST. ANN MUNICIPAL CODE REGARDING ANIMALS AT LARGE PROHIBITED- EXCEPTIONS. 5. Items from the City Administrator\City Clerk a. Tietmeyer Park Pond Project b. Eagle Scout Proclamation c. Financial Report & 2018 Draft Budget 6. Items from Mayor& Board of Aldermen a. Mayor Corcoran Economic Development Sales Tax Advisory Board Appointments. b. Alderman Sparks Employee Holiday Party c. Alderwoman Poelker 2018 Pool User Fees 7. Adjournment PLEASE NOTE: Not all of the above items may necessarily be acted on and individual items may be acted on out of order. In accordance with RSMo. Section , the Board of Aldermen may vote to go into Executive Session during this meeting to discuss matters of litigation, legal actions, and communications from the City Attorney, personnel matters, employee information and real estate discussions. In order to accommodate all persons wishing to attend this meeting, the Board of Aldermen may vote to adjourn this meeting and continue it at the St. Ann Community Center, #1 Community Center, Dr. St. Ann, MO Posted: 5:00PM

2 Board of Aldermen Agenda Memorandum No. 3 TO: The Honorable Michael Corcoran & Board of Aldermen DATE: November 27, 2017 RE: Presentation from Daniel & Henry Supplemental Employee Benefits Last month you heard from Colonial Life, this month is Daniel & Henry. Respectfully Submitted, Matthew K. Conley City Administrator/City Clerk

3 City of St. Ann January 1, 2018 Benefit Plan Renewals Executive Summary Benefits Administration / Online Enrollment System Two options for benefits administration and online enrollment systems were presented on November 2, 2017, and both options are available at no cost to the city. The GIS Benefits system is managed by a third-party that partners with a select number of insurance carriers to provide its system at no charge. GIS provided proposals from multiple carriers, with the most competitive proposal provided by MetLife for all lines of coverage. The D&H Navigator system is managed by The Daniel and Henry Company, and has the ability to access all insurance carriers that Daniel and Henry works with. Daniel and Henry received proposals from multiple carriers with the most competitive proposal provided by The Standard Insurance Company. The flexibility and features available on the D&H Navigator platform combined with the superior coverage options proposed by The Standard are the recommended solutions for the City of St. Ann to proceed with in 2018 for the employee benefit plans. Recommendation: Implement the D&H Navigator Benefits admin and enrollment system Dental Plan The incumbent dental insurance carrier Guardian has rates that were above the market for the City, and agreed to reduce their monthly premiums by 5% for the employees participating in the plan. However both proposals from The Standard and Metlife were more competitive with rates that are nearly 14% lower than the current Guardian premiums. While both MetLife and Standard offer excellent plans, MetLife does not offer a maximum rollover option for their dental plan, and Standard does offer a maximum rollover and will credit all the accumulated rollover amounts for employees participating in the current Guardian plan. Recommendation: Move dental coverage from Guardian to The Standard. Vision Plan A group vision plan is not currently offered to employees. Guardian, The Standard, and Metlife all offered competitive proposals with excellent benefits. The Standard differentiated their proposal the most by offering a 4-year rate guarantee on their vision plans with two networks options (VSP or Eyemed) available to choose. Recommendation: Offer Vision coverage through The Standard.

4 Life Insurance The current life insurance policies are offered by Aetna. Several life insurance carriers were evaluated, Standard and MetLife offered the most competitive rates for the basic employer-paid Life and AD&D. Both proposals represent significant savings for the City on annual basis. The proposal from The Standard will result in over $2,700 in annual savings for the City and will enhance the benefits of the Life and AD&D coverage provided by the City, including a Line of Duty benefit for employees in public safety roles. The Standard also offered competitive rates for voluntary life insurance with benefit enhancements such as a higher benefit maximums for employees and spouses, higher guaranteed issue amounts, and portability of coverage. The rates proposed by The Standard are guaranteed for 2 years. Recommendation: Replace Aetna basic and voluntary life insurance with The Standard. Short-Term Disability Benefits Short-Term Disability Benefits are not currently offered to employees on a group basis. MetLife and The Standard offered the two most competitive proposals for a voluntary employee paid STD Plan. The two options offer identical benefit features and the rates proposed by The Standard are more competitive for the majority of employees. The rates proposed by Standard are guaranteed for 3 years. Recommendation: Implement Voluntary Short-Term Disability insurance coverage with The Standard. Critical Illness and Accident Benefits Critical Illness and Accident Benefits are currently available to employees on an individual basis through Aflac. The Standard has offered coverage for the City on a group basis that can be included on the online enrollment platform. Transitioning the coverage from an individual basis with Aflac to a group platform will allow the City and Daniel and Henry to assist employees with any issues that arise from claims or service provided by the insurance carrier. Recommendation: Implement Critical Illness and Accident Benefits on a group basis with The Standard.

5 An Employee Benefits Proposal for: City of St. Ann Presented By: THE DANIEL AND HENRY CO Standard Insurance Company October 27, 2017

6 City of St. Ann Company Information Count on The Standard Over the course of a century, Standard Insurance Company has earned a reputation for personal service, financial strength and high quality insurance products. From our home office staff to the sales and service representatives in our local offices across the country, everyone at The Standard is dedicated to helping you by providing creative and effective solutions to meet your employee benefit needs. Simple: Making it easy for you Whether you have two eligible employees or thousands, we put all our strengths to work to help you create a costeffective benefits package - for you and for them. Find the benefits you want and need. We offer understandable, comprehensive products configured to meet your needs. You'll find a full range of disability, life, dental and vision insurance, individual and voluntary insurance products, and retirement plans. Comprehensive contract pricing and no surprises. We strive to offer the best value, going beyond the formulas, using a long-term pricing philosophy. Dedicated contacts no outsourced call centers. Our experienced employees deliver strong, empathetic and personalized service. We pride ourselves on our expert claims-handling, accurate, fair and prompt payments, and clear, accessible appeals process. Account support tailored for you. You'll enjoy customized administration, implementation and enrollment services. And you'll benefit from insightful reporting, industry benchmarking and program recommendations. Local: Supporting you where you do business We have over 40 offices across the nation to serve our customers. Our representatives are committed to their communities and have an insider's understanding of local needs. Dependable: A track record you can trust More than 100 years of history and five decades of employee benefits experience More than 27,100 group insurance policies in force with over $1.8 billion in force premium 1 Recognized as a top 10 provider of group Long Term, Short Term Disability and Life insurance based on in force premium 2 Over 91% of our business is employee benefits, letting us focus on what our customers really need Our first group insurance customer is still with us - after 58 years 1 Figures are as of June 30, 2009 and are based on internal data developed by Standard Insurance Company. Reinsurance assumed is excluded. Certain statistics are unaudited U.S Group Disability Market Survey, JHA and U.S Group Life Sales and In Force 2008 Annual Results, LIMRA International. These findings used combined data for StanCorp Financial Group's insurance subsidiaries, Standard Insurance Company and The Standard Life Insurance Company of New York. Standard Insurance Company Benefit and Cost Summary Proposal 2

7 City of St. Ann Plan Design Summary Dental Summary Proposed Effective Date: 1/1/2018 Plan 1: In Force 10% Comm Plan Benefit In Network Out of Network Type 1 100% 100% Type 2 90% 80% Type 3 60% 50% Deductible $0/Calendar Year $50/Calendar Year Waived Type 1 Waived Type 1 No Family Maximum $150/family Maximum (per person) $1,000/Calendar Year $1,000/Calendar Year PPO PPO Plus Allowance Type 1 Discounted Fee 90th U&C Type 2 Discounted Fee 90th U&C Type 3 Discounted Fee 90th U&C Max Builder SM Included Included Waiting Period None None LASIK Assist SM None None Annual Open Enrollment Included Included Orthodontia Summary Allowance All Plan Designs: In Network, discounted fee. Out of Network, U&C. Plan Benefit 50% Coverage for Adults No Lifetime Maximum (per person) $1,500 Waiting Period None Monthly Rates Employee (EE) $31.99 EE + Spouse $65.52 EE + Children $88.64 EE + Spouse & Children $ Rates are guaranteed for 12 months following the effective date listed above and include Orthodontia if part of plan design. This benefit and cost summary expires on 1/1/2018 unless replaced, withdrawn or amended by The Standard. Employee Participation Requirements Eligible Employees: 110 The greater of 60% or 10 lives Voluntary Standard Insurance Company Benefit and Cost Summary Proposal 3

8 City of St. Ann Covered Procedure Summary The following is a sample list of dental procedures payable under the plan. A complete list of procedures is available from your Sales Representative. Plan Design Summary In Network 100/90/60 $0/Calendar Year Waived Type 1 No Family Maximum $1,000 Plan 1: In Force 10% Comm Out of Network 100/80/50 $50/Calendar Year Waived Type 1 $150/family $1,000 Type 1 Procedure (Frequency) Type 2 Procedure (Frequency) Type 3 Procedure (Frequency) Routine Exam (1 in 6 months) Bitewing X-rays (1 in 12 months) Full Mouth/Panoramic X-rays (1 in 5 years) Periapical X-rays Cleaning (1 in 6 months) Fluoride for Children 13 and under (1 in 12 months) Sealants (age 13 and under) Space Maintainers Restorative Amalgams Restorative Composites Endodontics (nonsurgical) Endodontics (surgical) Periodontics (nonsurgical) Periodontics (surgical) Simple Extractions Complex Extractions Anesthesia Onlays Crowns (1 in 10 years per tooth) Crown Repair Denture Repair Prosthodontics (fixed bridge; removable complete/partial dentures) (1 in 10 years) Routine Exam (1 in 6 months) Bitewing X-rays (1 in 12 months) Full Mouth/Panoramic X-rays (1 in 5 years) Periapical X-rays Cleaning (1 in 6 months) Fluoride for Children 13 and under (1 in 12 months) Sealants (age 13 and under) Space Maintainers Restorative Amalgams Restorative Composites Endodontics (nonsurgical) Endodontics (surgical) Periodontics (nonsurgical) Periodontics (surgical) Simple Extractions Complex Extractions Anesthesia Onlays Crowns (1 in 10 years per tooth) Crown Repair Denture Repair Prosthodontics (fixed bridge; removable complete/partial dentures) (1 in 10 years) Current Dental Terminology American Dental Association. Standard Insurance Company Benefit and Cost Summary Proposal 4

9 City of St. Ann Features/Benefits Max Builder SM This dental plan includes a valuable feature that allows qualifying plan participants to carryover part of their unused annual maximum. A participant earns dental rewards by submitting at least one claim for dental expenses incurred during the benefit year, while staying at or under the threshold amount for benefits received for that year. In addition, a person earning dental rewards who submits a claim for services received through the dental network earns an extra reward, called the PPO Bonus. Employees and their covered dependents may accumulate rewards up to the stated maximum carryover amount, and then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan participant doesn't submit a dental claim during a benefit year, all accumulated rewards are lost. But he or she can begin earning rewards again the very next year. Benefit Threshold $500 Dental benefits received for the year cannot exceed this amount Annual Carryover $250 Max Builder amount is added to the following year's maximum Amount Annual PPO Bonus $100 Additional bonus is earned if the participant sees a network provider Maximum Carryover $1,000 Maximum possible accumulation for Max Builder and PPO Bonus combined Groups with a program similar to Max Builder on their previous plan are eligible for Max Builder Credits. To qualify for Max Builder Credits, the employer must request a list of carryover amounts from the previous carrier, to be sent to The Standard. The Standard will credit each account based on amounts identified by the previous carrier. The credit is available only to initial insureds. The credit, and any amounts earned under our plan, will not exceed the maximum carryover proposed for the plan selected. Enrollment data must include information for all dependents enrolling in the plan. The Standard's Preferred Care Dental Products Employers achieve a balance between cost efficiency and employee choice. Plan participants are free to receive care from any dentist they choose. Their out-of-pocket expenses are generally lower when using network providers, who have agreed to provide dental care at discounted fees. Our plans give participants across the nation over 416,000 provider access points for dental care. Network providers must meet credentialing and quality assurance requirements. PPO Plus The two-tier approach gives plan participants the freedom to select any dentist. Participants receive richer benefits and the money-saving advantages of network discounted fees if they seek care from network providers. Usual and Customary (U&C) The Usual and Customary (U&C) allowance listed on the plan summary page is determined using information including data from a nationally recognized independent data source. Plan participants are reimbursed based on the appropriate charges in the dentist's ZIP Code area. U&C allowances are reviewed annually. 90th U&C means 9 out of 10 dentists in a specific ZIP Code area charge at or below the plan allowance for a procedure. Standard Insurance Company Benefit and Cost Summary Proposal 5

10 City of St. Ann Features/Benefits Deductibles After the date that $0 in accumulated deductibles with network providers, or $150 in accumulated deductibles with a nonnetwork provider, has been met within a family, the entire deductible or any remaining portion of the deductible amount for any other family members will be waived for the rest of that calendar year. At no time can a family member contribute more than the selected deductible amount. Standard Insurance Company Benefit and Cost Summary Proposal 6

11 City of St. Ann Assumptions/Requirements If you purchase group insurance through The Standard, your producer will receive compensation from The Standard. This compensation may include one or more of the following: Commission or override commission based on customary or negotiated scales. Subject to participation and eligibility requirements, contingent compensation based on performance factors, for example volume and persistency. Fees for administrative or consulting services. If you have any questions about the amount or type of compensation, please contact your producer. At The Standard, we believe our performance guarantee should be simple and straightforward. We either meet your expectations, or we don't. It's that simple. The Standard guarantees we will meet your overall service expectations during the plan year. If we don't, we will refund 5% of your previous fiscal quarter's expenses, excluding commissions and premium tax. Some states require that producers be appointed with The Standard before any presentation or solicitation of this plan design. This proposal is not a contract or a certificate of insurance. It contains proposed rates and benefits that are based on preliminary enrollment data. Such rates and benefits are subject to adjustment if final enrollment varies from the preliminary data. The rates are based on North American Industry Classification System Code This proposal is based on the assumption it will be sold in conjunction with a bona fide cafeteria plan regulated by Section 125 of the Internal Revenue code, and it must meet all of the Section 125 requirements. The Standard reserves the right to request a copy of the employer's Section 125 cafeteria plan. If you select The Standard's plan and implement it through a cafeteria approach regulated by Section 125, we will require that all eligible employees and dependents requesting benefits: (a) make annual selections, and (b) remain in the plan for a minimum of one year. Changes in these selections will not be allowed except for certain "life event" or family status changes such as marriage, birth, death or termination of employment. This proposal assumes a Section 125 plan year of January 1, 2018 to January 1, Benefits could be available for all full-time, active employees working at least 30 hours per week and dependents who have completed the designated waiting period. This proposal is being made as a result of information provided in the request for a proposal. It is intended for informational purposes and is not an offer to contract. If City of St. Ann wishes to apply for group insurance based upon this proposal, City of St. Ann may complete a Preliminary Application for Group Insurance. The Application will be subject to review and approval by the Home Office of The Standard. If the Application is accepted, the final rates and benefits will be based on verification of this information and final enrollment. Dependent children are covered up to age 26 regardless of student status in the situs State of Missouri. Standard Insurance Company Benefit and Cost Summary Proposal 7

12 City of St. Ann Assumptions/Requirements If a member does not elect to participate when initially eligible, the member may elect to participate at the policyholder's next enrollment period. This enrollment period will be held each year and those who elect to participate in this policy at that time will have their insurance become effective on January 1. This plan is provided as part of the Policyholder's Section 125 Plan. Each employee has the option under the Section 125 Plan of participating or not participating in this plan. If an employee does not elect to participate when initially eligible, he/she may elect to participate at the Policyholder's next Annual Election Period. An employee who elects to participate at an election period other than the initial election period or annual open enrollment period will be a Late Entrant and subject to the Late Entrant provision. This proposal assumes a Section 125 plan year of January 1, 2018 to January 1, Our proposal assumes that The Standard's dental plan is the only plan offered for acceptance or consideration. If any other dental coverage is involved, such as a self-insured, DHMO or Prepaid plan, we would gladly provide another quote, as this one is no longer valid. This proposal assumes 4% of the benefit eligible employees are retirees. If this percentage changes, Standard Insurance Company reserves the right to revise the rates retroactive to the effective date of the dental benefits to accommodate this change. Please note: if the retiree population is 20% or more, Standard Insurance Company reserves the right to remove the dental benefits from this proposal. Standard Insurance Company Benefit and Cost Summary Proposal 8

13 City of St. Ann Dental and (if applicable) Orthodontia Exclusions Covered Expenses will not include and no benefits will be payable for expenses incurred: for any procedure except exams, cleaning and fluoride applications for the first 12 months when an employee or dependent becomes classified as a late entrant. An employee or dependent who does not enroll within 31 days from the date the person qualifies for the insurance, or who elects to become covered again after canceling a premium contribution agreement, will be classified as a late entrant. for any treatment which is for cosmetic purposes, except as specifically listed in the Table of Dental Procedures. to replace any prosthetic appliance, crown, inlay or onlay restoration, or fixed partial denture within ten years of the date of the last placement of these items. However, if a replacement is required because of an accidental bodily injury sustained while the person is covered, it will be a Covered Expense. for initial placement of any dental prosthesis or prosthetic crown unless such placement is needed because of the extraction of one or more teeth while the plan participant is covered under the dental expense benefit. The extraction of a third molar (wisdom tooth) will not qualify under the above. Any such dental prosthesis or prosthetic crown must include the replacement of the extracted tooth or teeth. for any procedure begun before the plan participant was covered under the dental expense benefit. for any procedure begun after the participant's insurance under the dental expense benefit terminates; or for any prosthetic dental appliances installed or delivered more than 90 days after the participant's insurance under the dental expense benefit terminates. to replace lost or stolen appliances. for appliances, restorations, or procedures to: alter vertical dimension; restore or maintain occlusion; splint or replace tooth structure lost because of abrasion or attrition for any procedure which is not shown on the Table of Dental Procedures. for orthodontic treatment (unless otherwise specified in this contract.) for which the plan participant is entitled to benefits under any workmen's compensation or similar law, or charges for services or supplies received as a result of any dental condition caused or contributed to by an injury or sickness arising out of or in the course of any employment for wage or profit. for charges for which the plan participant is not liable or which would not have been made had no insurance been in force. for services which are not required for necessary care and treatment or are not within the generally accepted parameters of care. because of war or any act of war, declared or not. for a Program which was begun on or after the participant's 19th birthday. in any quarter of a Program if the participant was not covered under the orthodontic expense benefits for the entire quarter. after the participant's insurance under the orthodontic expense benefits terminates. Standard Insurance Company Benefit and Cost Summary Proposal 9

14 Balanced Care Vision Choice I Eye Care Highlight Sheet Vision Choice Balanced Care Vision I Plan Summary VSP Choice Network + Affiliates Out of Network Deductibles $10 Exam $10 Exam $25 Eye Glass Lenses or Frames* $25 Eye Glass Lenses or Frames Annual Eye Exam Covered in full Up to $45 Lenses (per pair) Single Vision Covered in full Up to $30 Bifocal Covered in full Up to $50 Trifocal Covered in full Up to $65 Lenticular Covered in full Up to $100 Progressive See lens options NA Contacts Fit & Follow Up Exams Participant cost up to $60 No benefit Elective Up to $130 Up to $105 Medically Necessary Covered in full 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 *Deductible applies to a complete pair of glasses or to frames, whichever is selected. **The Costco allowance will be the wholesale equivalent. Lens Options (participant cost)* VSP Choice Network + Affiliates Out of Network (Other than Costco) Progressive Lenses Up to provider s contracted fee for Lined Up to Lined Bifocal allowance. Bifocal Lenses. The patient is responsible for the difference between the base lens and the Progressive Lens charge. Std. Polycarbonate Covered in full for dependent children No benefit $33 adults Solid Plastic Dye $15 No benefit (except Pink I & II) Plastic Gradient Dye $17 No benefit Photochromatic Lenses $31-$82 No benefit (Glass & Plastic) Scratch Resistant Coating $17-$33 No benefit Anti-Reflective Coating $43-$85 No benefit Ultraviolet Coating $16 No benefit *Lens Option participant costs vary by prescription, option chosen and retail locations. Monthly Rates Employee Only (EE) $7.32 EE + Spouse $15.72 EE + Children $12.72 EE + Spouse & Children $21.12 *Assumes policyholder is contributing 100% of the employee premium. Monthly Rates Employee Only (EE) $8.92 EE + Spouse $19.20 EE + Children $15.48 EE + Spouse & Children $25.80 *Assumes policyholder is contributing less than 100% of the employee premium. Minimum of 10 enrolled lives. Rates are guaranteed for 48 months following the effective date of the policy. Standard Insurance Company Benefit and Cost Summary Highlight Sheet

15 Balanced Care Vision Choice I Eye Care Highlight Sheet Additional Balanced Care Vision I Choice Network Features Contact Lenses Elective Allowance can be applied to disposables, but the dollar amount must be used all at once (provider will order 3 or 6 month supply). Applies when contacts are chosen in lieu of glasses. For plans without a separate contact fitting & evaluation (which includes follow up contact lens exams), the cost of the fitting and evaluation is deducted from the allowance. Additional Glasses Frame Discount Laser VisionCare Low Vision 20% off additional complete pairs of prescription glasses and/or prescription sunglasses.* VSP offers 20% off any amount above the retail allowance.* VSP offers an average discount of 15% off or 5% off a promotional offer for LASIK Custom LASIK and PRK. The maximum out-of-pocket per eye for participants is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK. In order to receive the benefit, a VSP provider must coordinate the procedure. With prior authorization, 75% of approved amount (up to $1,000 is covered every two years). Based on applicable laws, reduced costs may vary by doctor location. ecard Once you are enrolled in the plan, your plan participant ID card is provided electronically. Access your ecard online by creating a Secure Member Account it's fast, easy and secure. Go to standard.com, click on log in (at top right). Enrolled participants may receive care without the card just by giving the provider their name, date of birth, and social security number/member identification number. Retail Chain Affiliate Providers Available With Balanced Care Vision I Plans Effective January 1, 2012, retail chain affiliate providers, which include Costco Optical and Visionworks, give participants added convenience and additional retail choices. Costco Optical has 400 locations across the country, while Visionworks manages nearly 400 optical stores in 37 states and DC, including well-known stores such as EyeMasters, Visionworks, Dr. Bizer s VisionWorld, Eye DRx, and Hour Eyes, to name a few. Participants enjoy a covered-in-full benefit experience with equivalent frame benefit at any of these retail chain locations. Eye Care Plan Participant Service Balanced Care Vision I eye care from The Standard features the money-saving eye care network of VSP. Customer service is available to plan participants through VSP's well-trained and helpful service representatives. Call or go online to locate the nearest VSP network provider, view plan benefit information and more. VSP Call Center: Service representative hours: 5 a.m. to 7 p.m. PST Monday through Friday, 6 a.m. to 2:30 p.m. PST Saturday Interactive Voice Response available 24/7 Locate a VSP provider at: standard.com/services View plan benefit information at: vsp.com This form is a benefit highlight, not a certificate of insurance. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or terminated. Please contact The Standard [or your employer] for additional information, including costs and complete details of coverage. Standard Insurance Company Benefit and Cost Summary Highlight Sheet

16 Balanced Care Vision II Plan H Eye Care Highlight Sheet Vision Choice Balanced Care Vision II Plan H Summary EyeMed Access Network Out of Network Deductibles $10 Exam No deductible $25 Eye Glass Lenses Annual Eye Exam Covered in full Up to $35 Lenses (per pair) Single Vision Covered in full Up to $25 Bifocal Covered in full Up to $40 Trifocal Covered in full Up to $55 Lenticular 20% discount No benefit Progressive See lens options NA Contacts Fit & Follow Up Exams Standard Standard: Participant cost up to $55 No benefit Premium (Allowance) Premium: 10% off of retail No benefit Elective Up to $115 Up to $100 Medically Necessary Covered in full 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 Lens Options (participant cost) Progressive Lenses Standard Premium EyeMed Access Network Standard: $65 + lens deductible Premium: lens cost - 20% discount - $120 allowance + Standard Progressive cost Out of Network No benefit Std. Polycarbonate $40 No benefit Tint (solid and gradient) $15 No benefit Scratch Resistant Coating $15 No benefit Anti-Reflective Coating $45 No benefit Ultraviolet Coating $15 No benefit Lasik or PRK Average discount of 15% off retail price or 5% off promotional price at US Laser Network participating providers. No benefit Monthly Rates Employee Only (EE) $6.24 EE + Spouse $13.48 EE + Children $10.88 EE + Spouse & Children $18.12 *Assumes policyholder is contributing 100% of the employee premium. Monthly Rates Employee Only (EE) $7.84 EE + Spouse $16.92 EE + Children $13.64 EE + Spouse & Children $22.72 *Assumes policyholder is contributing less than 100% of the employee premium. Minimum of 10 enrolled lives. Rates are guaranteed for 48 months following the effective date of the policy. Standard Insurance Company Benefit and Cost Summary Highlight Sheet

17 Balanced Care Vision II Plan H Eye Care Highlight Sheet Additional Balanced Care Vision II H Features EyeMed In-Network Discounts 15% discount off the remaining balance in excess of the conventional contact lens allowance. 20% discount off the remaining balance in excess of the frame allowance. 20% discount on items not covered by the plan at network providers, which may not be combined with any other discounts or promotional offers. This discount does not apply to EyeMed Provider's professional services, or contact lenses. EyeMed In-Network Secondary Purchase Plan Contact Lens Replacement by Mail Program Participants receive a 40% discount on a complete pair of glasses once the funded benefit has been exhausted. Participants receive a 15% discount off the retail price on conventional contact lenses once the funded benefit has been exhausted. Discount applies to materials only. After exhausting the contact lens benefit, replacement lenses may be obtained at significant discounts on-line. Visit EyeMedvisioncare.com for details. ecard Once you are enrolled in the plan, your plan participant ID card is provided electronically. Access your ecard online by creating a Secure Member Account it's fast, easy and secure. Go to standard.com, click on log in (at top right). Enrolled participants may receive care without the card just by giving the provider their name, date of birth, and social security number/member identification number. Eye Care Plan Participant Service Balanced Care Vision II eye care from The Standard features the money-saving eye care network of EyeMed Vision Care. Customer service is available to plan participants through EyeMed's well-trained and helpful service representatives. Call or go online to locate the nearest EyeMed Access network provider, view plan benefit information and more. EyeMed Customer Care Center: Service representative hours: 8 a.m. to 11 p.m. ET Monday through Saturday, 11 a.m. to 8 p.m. ET Sunday Interactive Voice Response available 24/7 Locate an EyeMed provider at: standard.com/services View plan benefit information at: eyemedvisioncare.com This form is a benefit highlight, not a certificate of insurance. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or terminated. Please contact The Standard [or your employer] for additional information, including costs and complete details of coverage. Standard Insurance Company Benefit and Cost Summary Highlight Sheet

18 Your Employee Benefits Proposal Prepared for: City of St. Ann Presented by: THE DANIEL AND HENRY CO Proposal Prepared on: November 1, 2017 Life and AD&D Insurance Additional Life & AD&D Insurance Short Term Disability Insurance Proposed Effective Date: January 1, 2018 Standard Insurance Company

19 ab c d a 1 Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Life and AD&D Insurance Handling a Life insurance claim takes a special touch. All of our Life benefits employees complete annual grief training helping them to empathize with beneficiaries and recognize when they need special attention. And we're focused on settling claims quickly: Our average turnaround time in 2014 was four business days for clean claims and 16 days for all claims (internal company data as of January 2015). Covered Members An active employee of the Employer working 30 or more hours per week. Basic Benefit Schedule Flat $20,000 Guarantee Issue AD&D Benefit Age Reduction Schedule Full Benefit Matches Life Benefit To 65% at age 65 To 40% at age 70 To 25% at age 75 Employer Contribution 100% Minimum Participation 100% Life Highlights Basic Waiver of Premium Conversion Portability Repatriation Benefit Travel Assistance Life Services Toolkit Eligible to age 60 Waived to age 65 Included Included Included Included Included Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 1

20 abcd Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann AD&D Highlights Basic Loss of life Loss of both hands, or both feet, or sight of both eyes Loss of one hand and one foot Loss of sight of one eye and either one hand or one foot 100% (including disappearance and exposure) 100% 100% 100% Loss of one hand or one foot 50% Loss of sight of one eye 50% Seat Belt Benefit AD&D benefit payable up to $10,000 Air Bag Benefit AD&D benefit payable up to $5,000 Family Benefits Package Portability Loss of sight of one eye and loss of speech Loss of sight of one eye and loss of hearing in both ears Loss of either one hand or one foot and loss of speech Loss of either one hand or one foot and hearing in both ears Loss of speech and hearing in both ears Included Included 100% 100% 100% 100% 100% Loss of speech 50% Loss of hearing in both ears 50% Loss of thumb and index finger of same hand 25% Quadriplegia 100% Hemiplegia 50% Paraplegia 50% Occupational Assault Benefit 50% of AD&D benefit up to $25,000 Public Transportation Benefit AD&D benefit payable up to $200,000 Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 2

21 Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Additional Plan Design Details An Accelerated Benefit is included. Terminally ill members may withdraw up to 75% of their Life benefit to a maximum of $500,000 (when Basic Life and any Additional Life are combined). If Life is sold with Standard's LTD, then the LTD claim will initiate a claim for Standard's Life Waiver of Premium. The Family Benefits Package includes: The Higher Education Benefit reimburses tuition expenses up to $5,000 per child per year towards a 4-year college education for the deceased's children - not to exceed a cumulative total of $20,000 or 25% of the AD&D benefit per child, whichever is less. Career Adjustment Benefit reimburses tuition expenses up to $5,000 per year to help a spouse to return to the workforce after the death of their spouse - not to exceed the cumulative total of $10,000 or 25% of the AD&D benefit, whichever is less. Child Care Benefit reimburses a family's child care expenses up to $5,000 per year - not to exceed $10,000 or 25% of the AD&D benefit, whichever is less. The Line of Duty Benefit is included for Safety Employees. It provides an additional AD&D benefit for public safety officers who suffer death or dismemberment in an accident while acting in the line of duty. A hand and/or foot that is lost and later surgically reattached will still be considered a loss. Travel Assistance is included and provides assistance with pre-trip planning, medical assistance services, emergency transportation services, travel and technical assistance services and legal services. The Life Services Toolkit is included and helps beneficiaries cope with grief and loss, get answers to legal questions, plan a memorial or a funeral, and address financial concerns. Additionally, all covered employees will have access to online will preparation and other estate planning documents as well as articles to help deal with identity theft, improve wellness and more. The AD&D Occupational Assistance service is included and provides access to a Workplace Possibilities (SM) Consultant who helps those with a specified accidental dismemberment return to productive work and life. Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 3

22 AB C D Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Cost Basic Life Members 105 Volume $2,074,000 Rate: Per $1, Monthly Premium $353 AD&D Members 105 Volume $2,074,000 Rate: Per $1, Monthly Premium $83 Total Billed Premium $436 Rate Guarantee 2 years Assumptions Rates include electronic documents. Rates assume billing is centralized in one location. The proposed rates assume coverage currently in force. This is not our customary age-reduction schedule. We assume you have determined that the schedule you requested complies with the ADEA. More Information For additional information on the available features and benefits of Life and AD&D Insurance from The Standard, click here: Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 4

23 ab c d ab c d d a 2 Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Additional Life & AD&D Insurance Covered Members An active employee of the Employer working 30 or more hours per week. Employee Spouse Child Benefit Schedule Increments of $10,000 Increments of $5,000 Increments of $2,000 Maximum Benefit $300,000 $150,000 $10,000 Minimum Benefit $10,000 $5,000 $2,000 Guarantee Issue $100,000 $25,000 Full Benefit AD&D Benefit Matches Life Benefit Matches Life Benefit Matches Life Benefit Age Reduction Schedule To 65% at age 65 To 40% at age 70 To 25% at age 75 To 65% at age 65 To 40% at age 70 To 25% at age 75 n/a Employer Contribution 0% 0% 0% Minimum Participation Greater of 20% or 10 lives 20% 20% Life Highlights Employee Spouse Child Conversion Included Included Included Portability Included Included Included Waiver of Premium Eligible to age 60 Waived to age 65 Not Included Not Included AD&D Highlights Employee Spouse Child Loss of life 100% (including disappearance and exposure) 100% (including disappearance and exposure) 100% (including disappearance and exposure) Loss of both hands, or both feet, or sight of both eyes Loss of one hand and one foot Loss of sight of one eye and either one hand or one foot 100% 100% 100% 100% 100% 100% 100% 100% 100% Loss of one hand or one foot 50% 50% 50% Loss of sight of one eye 50% 50% 50% Seat Belt Benefit n/a AD&D benefit payable up to $10,000 AD&D benefit payable up to $10,000 Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 5

24 ab d c d Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann AD&D Highlights (continued) Employee Spouse Child Air Bag Benefit n/a AD&D benefit payable up to $5,000 AD&D benefit payable up to $5,000 Portability Included Included Included Loss of sight of one eye and loss of speech Loss of sight of one eye and loss of hearing in both ears Loss of either one hand or one foot and loss of speech Loss of either one hand or one foot and hearing in both ears Loss of speech and hearing in both ears 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Loss of speech 50% 50% 50% Loss of hearing in both ears 50% 50% 50% Loss of thumb and index finger of same hand 25% 25% 25% Quadriplegia 100% 100% 100% Hemiplegia 50% 50% 50% Paraplegia 50% 50% 50% Public Transportation Benefit n/a AD&D benefit payable up to $200,000 AD&D benefit payable up to $200,000 Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 6

25 ABCD Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Additional Plan Design Details One-time Open Enrollment is available to all eligible members to increase their benefit or enroll in Additional Life. Eligible members must increase their benefit or enroll by the effective date of the proposal. Members currently enrolled are eligible to increase their benefit in $10,000 increments up to a max of the $100,000 Guarantee Issue. Members electing to increase their coverage more than $100,000 will be required to submit Evidence of Insurability; Members with current amounts greater than $100,000 will be required to submit Evidence of Insurability for all amounts. Members enrolling in coverage for the first time are eligible to elect benefits in $10,000 increments up to a max of $100,000; if electing to enroll for amounts greater than $100,000, Evidence of Insurability will be required. One-time Open Enrollment is available to all eligible members to increase their benefit or enroll in Additional Life. Eligible members must increase their benefit or enroll by the effective date of the proposal. Members currently enrolled are eligible to increase their benefit in $10,000 increments up to a max of the $100,000 Guarantee Issue. Members electing to increase their coverage more than $100,000 will be required to submit Evidence of Insurability; Members with current amounts greater than $100,000 will be required to submit Evidence of Insurability for all amounts. Members enrolling in coverage for the first time are eligible to elect benefits in $10,000 increments up to a max of $100,000; if electing to enroll for amounts greater than $100,000, Evidence of Insurability will be required. The One-Time Open Enrollment will include all dependents as well, up to the respective Guarantee Issue amounts. An Accelerated Benefit is included. Terminally ill members may withdraw up to 75% of their Life benefit to a maximum of $500,000 (when Basic Life and any Additional Life are combined). An Accelerated Benefit is not available for dependents. Life insurance for dependents continues automatically, without premium payment, for five months after the death of the insured member. Dependents coverage includes child(ren) from live birth through age 25. A hand and/or foot that is lost and later surgically reattached will still be considered a loss. The benefit amounts under the current plan are carried forward to this plan. Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 7

26 ab c d Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Cost Employee Life Members 7 Volume $750,000 Rate: Per $1,000 Lives Age Rate Volume Premium $200,000 $300,000 $0 $0 $0 $70,000 $130,000 $50,000 $0 $0 $0 $16 $30 $0 $0 $0 $34 $114 $68 $0 $0 $0 Monthly Premium $262 AD&D Members 7 Volume $750,000 Rate: Per $1, Monthly premium $30 Total Billed Premium $292 Rate Guarantee 2 years Spouse Life Members 1 Volume $10,000 Rate: Per $1,000 Lives Age Rate Volume Premium $0 $0 $0 $0 $0 $0 $0 $10,000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $14 $0 $0 $0 Monthly Premium $14 AD&D Members 1 Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 8

27 Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Spouse Volume $10,000 Rate: Per $1, Monthly premium $0 Total Billed Premium $14 Rate Guarantee 2 years Child Elective: Paid by each Member electing coverage Life Members To Be Determined Rate: Per $1, AD&D Rate: Per $1, Rate Guarantee 2 years Optional Features & Services Benefits in the expanded AD&D package include: public transportation, occupational assault, exposure, disappearance, quadriplegia, paraplegia and hemiplegia. In addition, the package includes coverage for the following losses: loss of thumb and index finger on the same hand, loss of speech or loss of hearing in both ears, loss of hand or foot even if surgically reattached. Assumptions Final rates are subject to change if actual enrollment varies from the assumed enrollment of 7% Final rates are subject to change if actual enrollment varies from the assumed enrollment of 20% Rates include electronic documents. Rates assume billing is centralized in one location. The proposed rates assume coverage currently in force. This is not our customary age-reduction schedule. We assume you have determined that the schedule you requested complies with the ADEA. Conditions Additional Life can only be purchased in conjunction with Basic Life. Member's Basic Life benefits plus Additional Life benefits may not exceed 6 times annual earnings. Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 9

28 Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Conditions (continued) Until coverage has been in force for two years (one year in Colorado, Missouri and North Dakota), death that results from suicide or other intentionally self-inflicted injury is not covered. This exclusion does not apply to plans written in Washington. We require evidence of insurability for: Increases in elected benefit amounts from the current plan to this plan. Members who are eligible under the current plan but are not enrolled. Spouses who are eligible under the current plan but are not enrolled. Children who are eligible under the current plan but are not enrolled. Individuals who enroll more than 31 days after they are first eligible for coverage. Increases for those whose evidence of insurability was not approved by us during any prior period of eligibility. Increases in elected benefit amounts after initial enrollment. Member must be enrolled in Additional Life to enroll in the Spouse Life plan. Member must be enrolled in Additional Life to enroll in the Child Life plan. Dependents must be insured under Dependents Life in order to be eligible for AD&D. Spouse Life can't exceed 100% of member's enrolled benefit for Additional Life. Child Life can't exceed 100% of member's enrolled benefit for Additional Life. More Information For additional information on the available features and benefits of Dependent Life and AD&D Insurance from The Standard, click here: Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 10

29 8. as Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Short Term Disability Insurance When it comes to handling Short Term Disability claims, our team of experts is standing by. Our claims examiners have been with us for an average of 5 years, and our nurse case managers boast an average of 27 years of experience in their field (internal company data as of Mar, 31, 2013). With this kind of expertise, we can typically render our initial claim decision in just 3-5 days, because the last thing a claimant needs is a delay. Covered Members A regular employee of the Employer working 30 or more hours per week. Voluntary STD Plan 8 Voluntary STD Plan 9 Benefit Schedule 60% 60% Insured Predisability Earnings $1,667 $1,667 Maximum Weekly Benefit $1,000 $1,000 Minimum Weekly Benefit $15 $15 Benefit Waiting Period Accident Benefit Waiting Period Sickness 14 Days 7 Days 14 Days 7 Days Maximum Benefit Period 90 Days 90 Days Guarantee Issue Full Benefit Full Benefit Employer Contribution 0% 0% Minimum Participation Greater of 25% or 10 lives Greater of 25% or 10 lives Taxability of Benefits Non-Taxable Non-Taxable Partial/Residual Disability Included Included Temporary Recovery 90 Days 90 Days Maternity Covered the same as any other illness Covered the same as any other illness Additional Plan Design Details This is a non-occupational plan providing coverage for disabilities occurring off the job. This coverage includes a Reasonable Accommodation Expense Benefit, which reimburses employers for workplace modifications that enable employees to return to or remain at work. With the Return To Work Incentive, work earnings will not be deducted until the benefit plus work earnings exceed 100% of Predisability Earnings. STD benefits are no longer payable once an insured member begins receiving LTD benefits. Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 1

30 ab c d Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Cost Voluntary STD Plan 8 Members Volume To Be Determined To Be Determined Rate: Per $10 of Benefit Lives Age Rate Volume Premium TBD TBD TBD Monthly Premium Rate Guarantee TBD 3 years Voluntary STD Plan 9 Members Volume To Be Determined To Be Determined Rate: Per $10 of Benefit Lives Age Rate Volume Premium TBD TBD TBD Monthly Premium Rate Guarantee TBD 3 years Assumptions STD benefits will not be paid while a member is receiving sick pay. Rates include electronic documents. Final rates are subject to change if actual enrollment varies from the assumed enrollment of 25% Conditions Rate assumes coverage not currently in force. Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 2

31 Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann More Information For additional information on the available features and benefits of Short Term Disability Insurance from The Standard: Click here for California: Click here for all other states: Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company 3

32 Proposed Effective Date January 01, 2018 Prepared for: City of St. Ann Producer Compensation Disclosure We recognize the valuable role of insurance advisors, consultants and brokers ("producers") in helping their clients design an employee benefits program, and we support reasonable and fair compensation for these services. Producers may be eligible to receive compensation from The Standard. The commission quoted in this proposal are noted below. Additionally, fees for administrative, marketing or consulting services may apply. If applicable, fees are noted below. Flat 15% commission included for STD. Unless participation is declined by the producer or client, contingent compensation is additional compensation that may also be paid and is dependent on the satisfaction of one or more minimum requirements, such as a specified amount of new premium volume or persistency in connection with the producer's block of business. For information about our customary producer rewards program visit Some producers may have a contingent compensation arrangement that differs from our customary program. Please consult with your producer for additional details. About This Employee Benefits Proposal We appreciate the opportunity to provide you with this benefit and cost summary proposal from The Standard. This document outlines certain important features of the group insurance coverages available. This is not a contract or an offer to contract for such coverages. Detailed information about other important features of the coverage proposed is available on request. Just ask your broker/consultant or your representative at The Standard. A completed application must be submitted before a group can be considered for coverage. Insurance will be effective after the application is accepted by The Standard. If approved, we will issue a contract containing our customary language. It will not duplicate policy language from another carrier. The group contract will contain provisions and defined terms not described in this Employee Benefits Proposal. The group contract will control if there are discrepancies between it and this proposal. This benefit and cost summary proposal expires on January 30, 2018, unless replaced or withdrawn by The Standard. The proposed premium rate and plan design for each coverage are based on the underwriting data received by The Standard. Final premium rates and plan provisions will be determined by The Standard on the basis of: applicable state laws, policyholder contributions, confirmation of occupations, the actual composition of the group of persons who will become insured and our current underwriting rules and practices. Financial Strength Ratings For information about our Financial strengths ratings visit Opportunity ID: 006A000000ZA9WDIA1 Standard Insurance Company

33 Your Group Accident Insurance Proposal Prepared for: Presented by: City of St. Ann The Daniel and Henry Co Proposal prepared on: November 3, 2017 Proposal effective date: January 1, 2018 Standard Insurance Company

34 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Accident Insurance Nobody plans to have an accident and most people don t budget for one, either. Accident insurance helps your employees pay for out-of-pocket expenses medical insurance won t cover. If an employee s covered child gets injured while participating in an organized sport, we ll pay an additional 25 percent of the total benefit owed. It s an affordable way for employees to make sure they can keep their financial lives moving in the right direction. Covered Members A regular employee of the Employer working 20 hrs per week in the United States. Class Definition: All eligible Options side-by-side Minimum Employee Participation Policy Situs State Type of Coverage Select Enhanced Premier 10 Lives 10 Lives 10 Lives MO MO MO 24 hr 24 hr 24 hr Covered Benefits Emergency Care Select Enhanced Premier Air Ambulance $600 $800 $1,500 Blood, Plasma, Platelets $150 $300 $600 Emergency Dental (Crown) $150 $200 $350 Emergency Dental (Extraction) $50 $100 $150 Emergency Room Benefit $100 $150 $200 Ground Ambulance $200 $300 $600 Initial Physician's Office $50 $50 $60 Major Diagnostic Exam $100 $200 $300 Urgent Care $50 $50 $60 X-Ray $25 $50 $60 Specific Injury Select Enhanced Premier Burns, 2nd degree, <15% $100 $200 $500 Burns, 2nd degree, >15% $500 $1,000 $1,500 Burns, 3rd degree, <15% $1,500 $5,000 $7,500 Burns, 3rd degree, >15% $7,500 $10,000 $12,500 Coma $5,000 $7,500 $15,000 Concussion $100 $150 $200 Plan ID: 1 Rating Request: Standard Insurance Company 2

35 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Covered Benefits Specific Injury Select Enhanced Premier Eye Injury $150 $200 $300 Lacerations, < 2 $50 $75 $100 Lacerations, 2" - 6" $100 $200 $400 Lacerations, > 6" $400 $500 $800 Skin Graft 25% of Burn Benefit 25% of Burn Benefit 50% of Burn Benefit Fractures Non-Surgical/Surgical Select Enhanced Premier Ankle, Arm, Collarbone, Elbow, Foot, Hand, Kneecap, Lower Jaw, Shoulder blade, Sternum, Wrist Bones of Face, Coccyx, Nose, Vertebrae $350/$700 $550/$1,100 $650/$1,300 $300/$600 $500/$1,000 $750/$1,500 Finger, Toe $75/$150 $100/$200 $200/$400 Hip $1,500/$3,000 $2,500/$5,000 $3,000/$6,000 Leg (hip to knee) $800/$1,600 $2,000/$4,000 $3,000/$6,000 Leg (knee to ankle), Pelvis, Vertebral Column $800/$1,600 $1,200/$2,400 $1,700/$3,400 Rib $300/$600 $400/$800 $500/$1,000 Skull (depressed) $2,750/$5,500 $4,000/$8,000 $5,250/$10,500 Skull (non-depressed) $800/$1,600 $1,500/$3,000 $2,000/$4,000 Chip Fracture Ankle, Collarbone (Sternoclavicular), Elbow, Foot, Hand, Lower Jaw, Shoulder, Wrist 25% of Non-Surgical Fracture Amount 25% of Non-Surgical Fracture Amount 25% of Non-Surgical Fracture Amount Dislocations Select Enhanced Premier $450/$900 $800/$1,600 $1,000/$2,000 Collar Bone (Acromioclavicular) $200/$400 $400/$800 $500/$1,000 Finger, Rib, Toe $100/$200 $150/$300 $200/$400 Partial Dislocation Hip $1,500/$3,000 $2,500/$5,000 $3,500/$7,000 Knee $450/$900 $900/$1,800 $1,000/$2,000 Spine $200/$400 $400/$800 $500/$1,000 25% of Non-Surgical Dislocation Amount 25% of Non-Surgical Dislocation Amount 25% of Non-Surgical Dislocation Amount Surgical Benefits Select Enhanced Premier Knee Cartilage Repair $400 $750 $1,000 Knee Cartilage Exploratory Surgery $150 $200 $250 continued Plan ID: 1 Rating Request: Standard Insurance Company 3

36 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Covered Benefits Surgical Benefits Select Enhanced Premier Tendon, Ligament, Rotator Cuff Repair of One Tendon, Ligament, Rotator Cuff Repair of Two or More Tendon, Ligament, Rotator Cuff Exploratory Surgery $400 $750 $1,000 $600 $1,000 $1,500 $150 $200 $250 Ruptured Disk, Repair $400 $750 $1,000 Exploratory Abdominal/Thoracic Surgery Laparoscopic Repair Abdominal/Thoracic Surgery Open Repair Abdominal/Thoracic Surgery $150 $200 $400 $500 $750 $1,000 $1,000 $1,500 $2,000 Surgical Facility (Outpatient) $50 $150 $500 Hospital Select Enhanced Premier Critical Care Unit Admission $500 $750 $1,000 Daily Rehabilitation Facility (up to 90 days per accident) Daily Critical Care Unit Confinement (up to 15 day Daily Hospital Confinement (up to 365 days) $50/day $100/day $150/day $200/day $200/day $200/day $100/day $200/day $400/day Hospital Admission $500 $1,000 $1,500 Follow-Up Care Select Enhanced Premier Medical Appliance $50 $100 $200 Chiropractic $25 up to 2 days $50 up to 2 days $60 up to 2 days Accident Follow-Up Treatment $50 up to 2 days $50 up to 2 days $70 up to 3 days Hearing Device $400 $500 $600 Prosthesis, One $250 $500 $1,000 Prostheses, Two or more $500 $1,000 $2,000 Therapy Services $50 up to 2 days $50 up to 3 days $50 up to 4 days Additional Benefits Select Enhanced Premier Lodging (up to 30 days per accident) Transportation (up to 30 days per accident $150/per day $175/per day $200/per day $100/per day $150/per day $200/per day Accidental Death & Dismemberment Select Enhanced Premier continued Plan ID: 1 Rating Request: Standard Insurance Company 4

37 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Covered Benefits Accidental Death & Dismemberment Select Enhanced Premier Accidental Death Employee $25,000 $50,000 $100,000 Accidental Death Spouse $12,500 $25,000 $50,000 Accidental Death Child $6,250 $12,500 $25,000 Common Carrier 100% of Accidental Death 100% of Accidental Death 100% of Accidental Death Line of Duty 100% of Accidental Death and Dismemberment 100% of Accidental Death and Dismemberment 100% of Accidental Death and Dismemberment Loss of 2 or more fingers or toes 5% of Accidental Death 5% of Accidental Death 5% of Accidental Death Loss of one finger or one toe 2% of Accidental Death 2% of Accidental Death 2% of Accidental Death Loss of Both Hands, or Both Feet 30% of Accidental Death 30% of Accidental Death 30% of Accidental Death Loss of Sight for Both Eyes 30% of Accidental Death 30% of Accidental Death 30% of Accidental Death Loss of Hearing of Both Ears 30% of Accidental Death 30% of Accidental Death 30% of Accidental Death Loss of One Hand or One Foot 15% of Accidental Death 15% of Accidental Death 15% of Accidental Death Loss of One Hand and One Foot 30% of Accidental Death 30% of Accidental Death 30% of Accidental Death Loss of Sight in One Eye 15% of Accidental Death 15% of Accidental Death 15% of Accidental Death Loss of Hearing in One Ear 15% of Accidental Death 15% of Accidental Death 15% of Accidental Death Accidental Impairment Select Enhanced Premier Uniplegia 15% of Accidental Death 15% of Accidental Death 15% of Accidental Death Paraplegia, Triplegia, or Hemiplegia 30% of Accidental Death 30% of Accidental Death 30% of Accidental Death Quadriplegia 50% of Accidental Death 50% of Accidental Death 50% of Accidental Death Seatbelt Benefit 10% of Accidental Death 10% of Accidental Death 10% of Accidental Death Airbag Benefit 10% of Accidental Death 10% of Accidental Death 10% of Accidental Death Helmet Benefit 10% of Accidental Death 10% of Accidental Death 10% of Accidental Death Repatriation Benefit 10% of Accidental Death 10% of Accidental Death 10% of Accidental Death continued Plan ID: 1 Rating Request: Standard Insurance Company 5

38 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Additional Plan Design Details: Issue age for Employee and Spouse; birth to age 26 for children. No Termination age for employee and spouse. Child coverage terminates at age 26. A Youth Organized Sports benefit is included with EE+CH and Family coverage. If a covered child 18 age or younger is injured while playing an organized sport, the Standard pays an additional 25% of the total benefits for treatment received. If multiple fractures and/or dislocations are sustained in a covered accident, the Standard pays for each fracture and/or each dislocation. Critical Care Admission and Critical Care Confinement pay in addition to the Hospital Admission and Hospital Confinement daily benefit. Line of Duty Benefit provides an additional 100% of the accidental death, accidental dismemberment benefit, or accidental impairment benefit for public safety officers (police officers, firefighters, corrections officers, judicial officers and officially recognized or designated volunteer firefighters). Portability is automatically included. Employees are able to take their Accident coverage with no change in coverage or rates. Benefits paid under the Accident Insurance policy when purchased with employee post-tax income are excluded from claimant gross income under current federal tax law. 24 hour - Coverage includes accidents that occur anytime, including work related accidents. continued Plan ID: 1 Rating Request: Standard Insurance Company 6

39 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Cost Rollup: Monthly Premium Select Enhanced Premier Employee $11.82 $18.24 $27.72 Employee and Spouse $18.09 $27.28 $40.70 Employee and Child(ren) $20.69 $31.70 $48.11 Employee and Family $31.97 $48.84 $73.96 Includes the following benefits: Health Maintenance Screening Benefit Select Enhanced Premier $50 Benefit $50 Benefit $50 Benefit Automobile Accident Benefit $500 Benefit $500 Benefit $500 Benefit The Health Screening Benefit pays an annual benefit when the insured receives one of the twenty covered health screening tests, including lipid panel, mammography, and colonoscopy. The Automobile Accident Benefit pays an additional benefit amount if the insured is injured in a covered automobile accident. continued Plan ID: 1 Rating Request: Standard Insurance Company 7

40 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Assumptions No Underwriting required. Proposal assumes normal heaped commissions. This proposal assumes 110 eligible lives. Conditions Minimum of 10 lives required. No competing Accident plan will be offered on payroll deduction. Proposed rate includes electronic documents. New hires will be enrolled on a Perpetual basis. Exclusions Benefits are not payable if the accident was caused or contributed by any of the following: War or act of War. Suicide or other intentionally self-inflicted injury while sane. Committing or attempting to commit an assault, felony, act of terrorism, or actively participating in a violent disorder or riot. The voluntary use or consumption of any poison, chemical compound, drug, or alcohol in excess of the legal limit in the state in which the Accident occurred, unless used or consumed according to the directions of a Health Care Provider. Sickness existing at the time of the Accident, including any medical or surgical treatment or diagnostic procedure for a Sickness. Travel or flight in or on any aircraft (certain exceptions apply, including as a fare paying passenger on a regularly scheduled commercial flight). Engaging in high risk sports or activities. Practicing for, or participating in, any semi-professional or professional competitive athletic contests. Routine eye exams and dental procedures other than a crown or extraction for a tooth or teeth as a result of a Covered Accident. Riding in or driving any automobile in a race, stunt show, or speed test. Cosmetic surgery, unless such surgery or procedure is necessary to correct a deformity or restore bodily function resulting from a Covered Accident. Any Accident which arises out of or in the course of the insured's incarceration in a jail, penal, or correctional institution. continued Plan ID: 1 Rating Request: Standard Insurance Company 8

41 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Producer Compensation Disclosure We recognize the valuable role of insurance advisors, consultants and brokers ('producers') in helping their clients design an employee benefits program, and we support reasonable and fair compensation for these services. Producers may be eligible to receive compensation from The Standard. The commission quoted in this proposal are noted below. Additionally, fees for administrative, marketing or consulting services may apply. If applicable, fees are noted below. Normal commission scale ( included for Accident Insurance. Unless participation is declined by the producer or client, contingent compensation is additional compensation that may also be paid and is dependent on the satisfaction of one or more minimum requirements, such as a specified amount of new premium volume or persistency in connection with the producer's block of business. For information about our customary producer rewards program visit Some producers may have a contingent compensation arrangement that differs from our customary program. Please consult with your producer for additional details. About This Employee Benefits Proposal We appreciate the opportunity to provide you with this benefit and cost summary proposal from The Standard. This document outlines certain important features of the group insurance coverages available. This is not a contract or an offer to contract for such coverages. Detailed information about other important features of the coverage proposed is available on request. Just ask your broker/consultant or your representative at The Standard. A completed application must be submitted before a group can be considered for coverage. Insurance will be effective after the application is accepted by The Standard. If approved, we will issue a contract containing our customary language. It will not duplicate policy language from another carrier. The group contract will contain provisions and defined terms not described in this Employee Benefits Proposal. The group contract will control if there are discrepancies between it and this proposal. This benefit and cost summary proposal expires on Thursday, February 01, 2018 unless replaced or withdrawn by The Standard. The proposed premium rate and plan design for each coverage are based on the underwriting data received by The Standard. Final premium rates and plan provisions will be determined by The Standard on the basis of: applicable state laws, policyholder contributions, confirmation of occupations, the actual composition of the group of persons who will become insured and our current underwriting rules and practices. Standard Insurance Company Financial Strength Ratings For information about our financial strengths ratings visit This is a limited benefit policy. The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company, 1100 SW 6th Avenue, Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. continued Plan ID: 1 Rating Request: Standard Insurance Company 9

42 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Plan ID: 1 Rating Request: Standard Insurance Company 10

43 Your Group Critical Illness Insurance Proposal Prepared for: Presented by: City of St. Ann The Daniel and Henry Co Proposal prepared on: Friday, November 03, 2017 Proposal effective date: Monday, January 01, 2018 Standard Insurance Company

44 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Group Critical Illness Insurance Medical insurance alone can t stop a major diagnosis from draining an employee's finances. Copays, deductibles, alternative treatments these unexpected expenses add up quickly. Critical Illness insurance gives your employees an affordable option for easing the financial burden that can come with a serious illness. Under this plan, children are covered automatically at no extra cost. Covered Members A regular employee of the Employer working 20 hrs per week in the United States. All eligible Options side-by-side Plan Design Plan Level Select Enhanced Premier Covered Critical Illnesses* Family Coverage Cancer Carcinoma In Situ End-stage Renal (Kidney) Failure Major Organ Failure Myocardial Infarction (Heart Attack) Severe Coronary Artery Disease with Recommendation of Bypass Stroke 21 childhood diseases¹ Cancer Carcinoma In Situ End-stage Renal (Kidney) Failure Major Organ Transplant Myocardial Infarction (Heart Attack) Severe Coronary Artery Disease with Recommendation of Bypass Stroke Coma Paralysis Blindness Occupational Hepatitis Occupational HIV 21 childhood diseases¹ Cancer Carcinoma In Situ End-stage Renal (Kidney) Failure Major Organ Failure Myocardial Infarction (Heart Attack) Severe Coronary Artery Disease with Recommendation of Bypass Stroke Coma Paralysis Loss of Hearing, Sight, or Speech Occupational Hepatitis Occupational HIV Advanced Alzheimer s Disease Advanced Multiple Sclerosis Advanced Parkinson s Disease Amyotrophic Lateral Sclerosis Benign Brain Tumor Bone Marrow Transplant 21 childhood diseases¹ Employee/Child(ren), Spouse Employee/Child(ren), Spouse Employee/Child(ren), Spouse Plan ID: 1 Rating Request: Standard Insurance Company 1

45 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Plan Level Select Enhanced Premier Coverage Amount Employee: $5,000 to $50,000 in increments of $5,000 Employee: $5,000 to $50,000 in increments of $5,000 Employee: $5,000 to $50,000 in increments of $5,000 Spouse: $5,000 to $30,000 in increments of $5,000 Spouse: $5,000 to $30,000 in increments of $5,000 Spouse: $5,000 to $30,000 in increments of $5,000 Child: 25% of the Employee Amount Child: 25% of the Employee Amount Child: 25% of the Employee Amount Rates Issue Age, Unisex, Tobacco Distinct Issue Age, Unisex, Tobacco Distinct Issue Age, Unisex, Tobacco Distinct Employer Contribution 0% 0% 0% Underwriting (Health Questions) Guarantee Issue: Employee: $20,000 Spouse: $10,000 Guarantee Issue: Employee: $20,000 Spouse: $10,000 Guarantee Issue: Employee: $20,000 Spouse: $10,000 Evidence of Insurability (Health Questions) are required for amounts above the Guarantee Issue Amount. Evidence of Insurability (Health Questions) are required for amounts above the Guarantee Issue Amount. Evidence of Insurability (Health Questions) are required for amounts above the Guarantee Issue Amount. Minimum Participation For Guarantee Issue Policy Situs State Dependent Children are automatically covered at 25% of the Employee coverage amount without Evidence of Insurability (Health Questions) Dependent Children are automatically covered at 25% of the Employee coverage amount without Evidence of Insurability (Health Questions) Dependent Children are automatically covered at 25% of the Employee coverage amount without Evidence of Insurability (Health Questions) 20% Required Participation 20% Required Participation 20% Required Participation MO MO MO Pre-existing Condition 12/12 12/12 12/12 Health Maintenance Screening Benefit $50 per insured per calendar year. $50 per insured per calendar year. $50 per insured per calendar year. Portability Included Included Included continued Plan ID: 1 Rating Request: Standard Insurance Company 2

46 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Plan Level Select Enhanced Premier Reoccurrence 25% 25% 25% *Carcinoma in situ and Severe Coronary Artery Disease with Recommendation of Bypass are paid at 25% of the Coverage Amount. All other Critical Illness are paid at 100% of the Coverage Amount unless otherwise indicated. continued Plan ID: 1 Rating Request: Standard Insurance Company 3

47 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Additional Plan Design Details: ¹Covered Child Critical Illness: Anal Atresia, Anencephaly, Biliary Atresia, Cerebral Palsy, Cleft Lip or Cleft Palate, Club Foot, Coarctation of the Aorta, Cystic Fibrosis, Diaphragmatic Hernia, Down's Syndrome, Gastroschisis, Hirschsprung's Disease, Hypoplastic Left Heart Syndrome, Infantile Hypertrophic Pyloric Stenosis, Muscular Dystrophy, Omphalocele, Patent Ductus Arteriosis, Spina Bifida Cystica with Myelomeningocele, Tetralogy of Fallot, Transposition of the Great Arteries. Issue age for Employee and Spouse; birth to age 26 for children. Spouse Coverage cannot exceed 100% of Employee Amount. Benefits paid under the Critical Illness Insurance policy when purchased with employee post-tax income are excluded from claimant gross income under current federal tax law. Minimum GI Participation requirement can be waived through an approved Enrollment Best Practice Agreement. We require evidence of insurability for: Elective increases in coverage amount by member or spouse. Members and spouse who enroll more than 31 days after they are first eligible for coverage. Coverage terminates at age 80 for employee and spouse. Child coverage terminates at age 26. Portability is automatically included. Employees are able to take their Critical Illness coverage with no change in coverage or rates. Additional Occurrence Benefit: The amount payable for any additional covered critical illness that is different and subsequent to an initial critical illness is 100% of the coverage amount. The required diagnosis or recommendation for a different and subsequent critical illness must be made at least 90 days after the preceding critical illness. Reoccurrence Benefit: If a Critical Illness Benefit is payable and there is a subsequent diagnosis or recommendation for the same Critical Illness, a Reoccurrence Benefit equal to 25% of the coverage amount is payable if the insured meet both of the following: The insured has been continuously insured under the Group Policy between the initial and subsequent diagnosis or recommendation The insured has served a 12 month Treatment Free Period during such continuous insurance. continued Plan ID: 1 Rating Request: Standard Insurance Company 4

48 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Non-Tobacco Monthly Premiums Select < $5, $4.53 $6.87 $10.77 $19.28 $33.38 $10, $6.35 $11.03 $18.82 $35.84 $64.06 $15, $8.17 $15.19 $26.88 $52.41 $94.73 $20, $9.99 $19.36 $34.93 $68.97 $ $25, $11.81 $23.52 $42.99 $85.54 $ $30, $13.63 $27.68 $51.04 $ $ $35, $15.45 $31.84 $59.10 $ $ $40, $17.27 $36.00 $67.15 $ $ $45, $19.09 $40.16 $75.21 $ $ $50, $20.91 $44.32 $83.26 $ $ Enhanced < $5, $5.08 $7.30 $11.12 $19.75 $34.27 $10, $7.44 $11.89 $19.53 $36.79 $65.82 $15, $9.81 $16.48 $27.94 $53.83 $97.37 $20, $12.18 $21.07 $36.35 $70.88 $ $25, $14.54 $25.65 $44.76 $87.92 $ $30, $16.91 $30.24 $53.17 $ $ $35, $19.27 $34.83 $61.58 $ $ $40, $21.64 $39.42 $69.99 $ $ $45, $24.01 $44.01 $78.40 $ $ $50, $26.37 $48.60 $86.81 $ $ Premier < $5, $5.46 $7.82 $11.86 $21.27 $37.27 $10, $8.20 $12.92 $21.02 $39.84 $71.82 $15, $10.95 $18.03 $30.17 $58.40 $ $20, $13.70 $23.14 $39.33 $76.96 $ $25, $16.45 $28.25 $48.48 $95.53 $ $30, $19.19 $33.35 $57.63 $ $ $35, $21.94 $38.46 $66.79 $ $ $40, $24.69 $43.57 $75.94 $ $ $45, $27.43 $48.67 $85.09 $ $ continued Plan ID: 1 Rating Request: Standard Insurance Company 5

49 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann $50, $30.18 $53.78 $94.25 $ $ continued Plan ID: 1 Rating Request: Standard Insurance Company 6

50 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Tobacco Monthly Premiums Select < $5, $5.55 $9.96 $18.36 $38.47 $72.28 $10, $8.38 $17.21 $34.01 $74.23 $ $15, $11.22 $24.45 $49.66 $ $ $20, $14.05 $31.70 $65.31 $ $ $25, $16.89 $38.95 $80.96 $ $ $30, $19.72 $46.20 $96.61 $ $ $35, $22.56 $53.44 $ $ $ $40, $25.39 $60.69 $ $ $ $45, $28.23 $67.94 $ $ $ $50, $31.06 $75.19 $ $ $ Enhanced < $5, $6.06 $10.35 $18.72 $38.97 $73.22 $10, $9.42 $18.00 $34.72 $75.22 $ $15, $12.77 $25.64 $50.72 $ $ $20, $16.12 $33.29 $66.73 $ $ $25, $19.47 $40.93 $82.73 $ $ $30, $22.83 $48.57 $98.74 $ $ $35, $26.18 $56.22 $ $ $ $40, $29.53 $63.86 $ $ $ $45, $32.88 $71.50 $ $ $ $50, $36.24 $79.15 $ $ $ Premier < $5, $6.49 $10.99 $19.62 $40.68 $76.49 $10, $10.26 $19.27 $36.52 $78.64 $ $15, $14.04 $27.54 $53.43 $ $ $20, $17.81 $35.82 $70.34 $ $ $25, $21.59 $44.10 $87.25 $ $ $30, $25.37 $52.38 $ $ $ $35, $29.14 $60.66 $ $ $ $40, $32.92 $68.93 $ $ $ $45, $36.69 $77.21 $ $ $ continued Plan ID: 1 Rating Request: Standard Insurance Company 7

51 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann $50, $40.47 $85.49 $ $ $ continued Plan ID: 1 Rating Request: Standard Insurance Company 8

52 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann Assumptions Proposal assumes normal heaped commissions. On the effective date of the new policy with The Standard, Members who elect to enroll at that time, the issue age rates will be based on the Member's age on that effective date. For late enrollees and subsequent new Members, the rates will be based upon the Member's age on the date we approve the coverage. For Members increasing coverage, the rates for the total amount of coverage will be based upon the age of the original effective date. Proposal assumes coverage is not currently inforce. This proposal assumes 110 eligible lives. Conditions Minimum of 10 lives required. Guarantee issue is conditioned upon meeting minimum participation requirement. New hires will be enrolled on a Perpetual basis. No competing Critical Illness plan will be offered on payroll deduction. Continuity of Coverage is included. Exclusions and Limitations Benefits are not payable if a critical illness is caused or contributed to by any of the following: War or act of War. Suicide or other intentionally self-inflicted injury while sane. Committing or attempting to commit an assault, felony, act of terrorism, or actively participating in a violent disorder or riot. The voluntary use or consumption of any poison, chemical compound, drug, or alcohol in excess of the legal limit in the state in which the Critical Illness occurred, unless used or consumed according to the directions of a Physician. Initial diagnosis outside of the United States. Elective surgery or other procedure which: Does not promote the proper function of the body or prevent or treat sickness or injury. Is directed at improving the insured's appearance, unless such cosmetic surgery or procedure is necessary to correct a deformity resulting from a congenital abnormality or disfigurement. This exclusion will not apply to a Critical Illness caused or contributed to by donation of an organ or tissue. continued Plan ID: 1 Rating Request: Standard Insurance Company 9

53 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann chldcritical_preexisting Preexisting Condition Exclusion Preexisting conditions can affect an insured s coverage if they occurred at any time during the 365 day period just before the date the insured s insurance [or additional insurance due to a plan change] [or an increase in coverage amount] becomes effective. Preexisting conditions are defined as: The date the insured s insurance becomes effective. Preexisting conditions are defined as: A mental or physical condition for which the insured consulted a physician or other licensed medical professional; received medical treatment, services or advice; undergone diagnostic procedures or taken prescribed drugs or medications. A mental or physical condition was discovered as a result of any medical examination, including a routine examination. The insured will not be covered for a critical illness if it is caused or contributed to by a preexisting condition or medical or surgical treatment of a preexisting condition. The preexisting condition will be covered if, on the date the insured incurs the critical illness: They have been continuously insured under the Group Policy for 12 months. The Member has been actively at work for at least 1 full day after the end of that 12 months. Producer Compensation Disclosure We recognize the valuable role of insurance advisors, consultants and brokers ("producers") in helping their clients design an employee benefits program, and we support reasonable and fair compensation for these services. Producers may be eligible to receive compensation from The Standard. The commission quoted in this proposal are noted below. Additionally, fees for administrative, marketing or consulting services may apply. If applicable, fees are noted below. Normal commission scale ( included for Critical Illness Insurance Unless participation is declined by the producer or client, contingent compensation is additional compensation that may also be paid and is dependent on the satisfaction of one or more minimum requirements, such as a specified amount of new premium volume or persistency in connection with the producer's block of business. For information about our customary producer rewards program visit Some producers may have a contingent compensation arrangement that differs from our customary program. Please consult with your producer for additional details. continued Plan ID: 1 Rating Request: Standard Insurance Company 10

54 Proposed Effective Date: January 1, 2018 Presented By: The Daniel and Henry Co Prepared For: City of St. Ann About this Employee Benefits Proposal We appreciate the opportunity to provide you with this benefit and cost summary proposal from The Standard. This document outlines certain important features of the group insurance coverages available. This is not a contract or an offer to contract for such coverages. Detailed information about other important features of the coverage proposed is available on request. Just ask your broker/consultant or your representative at The Standard. A completed application must be submitted before a group can be considered for coverage. Insurance will be effective after the application is accepted by The Standard. If approved, we will issue a contract containing our customary language. It will not duplicate policy language from another carrier. The group contract will contain provisions and defined terms not described in this Employee Benefits Proposal. The group contract will control if there are discrepancies between it and this proposal. This benefit and cost summary proposal expires on Thursday, February 01, 2018 unless replaced or withdrawn by The Standard. The proposed premium rate and plan design for each coverage are based on the underwriting data received by The Standard. Final premium rates and plan provisions will be determined by The Standard on the basis of: applicable state laws, policyholder contributions, confirmation of occupations, the actual composition of the group of persons who will become insured and our current underwriting rules and practices. Standard Insurance Company Financial Strength Ratings For information about our financial strength ratings visit This is a limited benefit policy. The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company, 1100 SW 6th Avenue, Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. Plan ID: 1 Rating Request: Standard Insurance Company 11

55 City of St. Ann Markets Approached Effective January 1, 2018 Carrier AM Best Response Aetna A/XV Current - Illustrated Guardian A++/XV Current - Illustrated Standard A-/ XII Illustrated (GIS) MetLife A+/XV Illustrated Hartford A+/XV Not Competitive Delta Dental & Vision NR Not Competitive Mutual of Omaha A+/XV Not Competitive (GIS) Principal A+/XV Not Competitive (GIS) Lincoln Financial A+/XV Not Competitive (GIS) Companion A+/VIII Not Competitive (GIS) Dearborn A/X Not Competitive (GIS) UNUM A-/VI Not Competitive (GIS) Ameritas A/XIV Not Competitive (GIS) Kansas City Life A/IX Not Competitive

56 City of St. Ann Voluntary Dental Financial/Benefit Review Effective January 1, 2018 Guardian Standard (GIS) MetLife Benefit Network Non Network Network Non Network Network Non Network Individual Deductible $0 $50 $0 $50 $50 $50 Family Deductible $0 $150 $0 $150 $150 $150 % Preventive 100% 100% 100% 100% 100% 100% % Basic 90% 80% 90% 80% 90% 80% % Major 60% 50% 60% 50% 60% 50% % Orthodontia Claim Payment Basis Network Calendar Year Maximum Lifetime Orthodontia Maximum Max Roll Over Endo/Perio Negotiated Fee Schedule 50% for children 90th% UCR 50% for children Negotiated 90th% UCR Fee Schedule 50% for children Negotiated 90th% UCR Fee Schedule Guardian Ameritas MetLife $1,000 $1,500 Included Basic $1,000 $1,500 Included Basic $1,250 $1,500 Not Included Basic Waiting Period None None None Rate Guarantee Participation Requirements Contribution Monthly Premium Current Renewal Negotiated Renewal Employee 68 $37.96 $37.96 $36.06 Employee/Spouse 9 $74.95 $74.95 $71.20 Employee/Child 16 $ $ $96.45 Family 10 $ $ $ Total Years n/a 100% Employee Paid Rate 1 Year 60% 100% Employee Paid Rate $31.99 $65.52 $88.64 $ Year 6% second year rate cap 94% 100% Employee Paid Rate $32.78 $67.94 $81.10 $ Monthly Total $6, $6, $5, Annual Total $75, $75, $71, Dollar Increase $0.00 -$3, Percent Increase 0.00% -5.00% $5, $64, $10, $5, $64, $10, % % This summary is for illustrative purposes only. Premiums will vary according to employee family status, plan selection, and participation. If there are any discrepancies between the comparison and the proposal, the proposal will prevail. All coverages are subject to final underwriting. Do not cancel coverage prior to receiving written confirmation approval.

57 City of St. Ann Voluntary Vision Financial/Benefit Review Effective January 1, 2018 Guardian Standard (EyeMed) Standard (VSP) (GIS) Metlife Plan Description IN NETWORK OUT-OF-NETWORK IN NETWORK OUT-OF-NETWORK IN NETWORK OUT-OF-NETWORK IN NETWORK OUT-OF-NETWORK Exam Copay $10 N/A $10 N/A $10 N/A $10 N/A Materials Copay $25 N/A $25 N/A $25 N/A $25 N/A Eye Exam; Frequency Once Every Calendar Year 12 Months 12 Months 12 Months Eye Exam; Benefit 100% after copay Up to $59 100% after copay Up to $35 100% after copay Up to $45 100% after copay Up to $45 Lenses; Frequency Once Every Calendar Year 12 Months 12 Months 12 Months Lenses; Benefit Single Vision 100% after copay Up to $30 100% after copay Up to $25 100% after copay Up to $30 100% after copay Up to $30 Lenses; Benefit Bifocals 100% after copay Up to $50 100% after copay Up to $40 100% after copay Up to $50 100% after copay Up to $50 Lenses; Benefit Trifocal 100% after copay Up to $65 100% after copay Up to $55 100% after copay Up to $65 100% after copay Up to $65 Contacts; Frequency Once Every Calendar Year 12 Months 12 Months 12 Months Contacts; Benefit Elective: up to $130 Medically Necessary: covered in full Elective: up to $120 Medically Necessary: up to $210 Elective: up to $ % off balance Medically Necessary: covered in full Elective: up to $100 Medically Necessary: up to $200 Elective: up to $130 Medically Necessary: covered in full Elective: up to $105 Medically Necessary: up to $210 Elective: up to $130 Medically Necessary: covered in full Elective: up to $105 Medically Necessary: up to $210 Frames; Frequency Once Every Other Calendar Year 24 Months 24 Months 24 Months Frames; Benefit Network Up to $ % off balance Guardian Up to $70 Up to $ % off balance EyeMed Up to $45 Up to $ % off balance VSP Up to $70 Up to $ % off balance Metlife Up to $70 Rates Rates Rates Rates Employee 68 $8.38 $7.84 $8.92 Employee & Spouse 9 $14.10 $16.92 $19.20 Employee & Children 16 $14.38 $13.64 $15.48 Family 10 $22.76 $22.72 $25.80 Total 103 Total Monthly Premium $1, $1, $1, Total Annual Premium Rate Guarantee Participation Requirements $13, $13, $15, $7.70 $15.44 $13.07 $21.56 $1, $13, years 4 Years 4 Years 2 years 50% 10 Lives 10 Lives 30% The above benefits and rates are an illustration only, if there is any discrepancy between the carrier proposal and this spreadsheet the insurance contract/proposal will dictate.

58 City of St. Ann Life/AD&D Financial/Benefit Summary Effective January 1, 2018 Benefits Aetna Standard (GIS) Metlife Classes Covered All Active Full Time Employees All Active Full Time Employees All Active Full Time Employees Benefit Amount $20,000 $20,000 $20,000 Guarantee Issue $20,000 $20,000 $20,000 Waiver of Premium Included Included Included Conversion Privilege Included Included Included Portability N/A Included Included Reduction Schedule 65; 70; 75 65; 70; 75 65; 70 Premium Rates Current Rates Rates Volume $2,076,000 $2,076,000 $2,076,000 Life Rate per $1,000 $0.290 $0.170 $0.156 AD&D Rate per $1,000 $0.030 $0.040 $0.034 Total Monthly Premium $ $ $ Total Annual Premium $7, $5, $4, Change From Current -$2, $3, % % Rate Guarantee 1 Year 2 Years 2 Years This summary is for illustrative purposes only. Premiums will vary according to employee family status, plan selection, and participation. If there are any discrepancies between the comparison and the proposal, the proposal will prevail. All coverages are subject to final underwriting. Do not cancel coverage prior to receiving written confirmation approval.

59 City of St. Ann Voluntary Life/AD&D Financial/Benefit Summary Effective January 1, 2018 Vol Life/AD&D Aetna Standard (GIS) Metlife Minimum Benefit Amount Maximum Amount Guarantee Issue Minimum Spouse Benefit Maximum Spouse Benefit Guarantee Issue Spouse $10,000 $10,000 $300,000 5x's salary up to $300,000 3x salary up to $100,000 5x's salary up to $100,000 $5,000 $5,000 $5, % of Employee's Benefit up to $150,000 $5,000 $25,000 $10,000 5x's salary up to $500,000 $150,000 $5,000 50% of Employee's Benefit up to $100,000 $25,000 Maximum Child Benefit Conversion Privilege Portability $2,000 $10,000 $10,000 Included Included Included N/A Included Included Participation Requirement Reduction Schedule 20% 10 Lives 65; 70; 75 65; 70; 75 25% No Age Reduction Premium Per $1,000 Rates Rates Rates Current <24 $0.099 $0.080 $ $0.099 $0.080 $ $0.111 $0.100 $ $0.136 $0.130 $ $0.210 $0.200 $ $0.350 $0.330 $ $0.593 $0.480 $ $0.929 $0.880 $ $1.446 $1.350 $ $2.595 $2.500 $ $4.647 $3.600 $ Child Rates per $1,000 Spouse Rates Vol AD&D Rates Per $1,000 Employee Only Spouse Only Children Only $7.622 $7.622 $0.100 Same as employee $0.040 $0.050 $0.050 $5.000 $5.000 $0.198 Same as Employee $0.040 $0.040 $0.040 $3.715 $3.715 $0.240 Same as Employee $0.035 $0.035 $0.051 Rate Guarantee 1 Year 2 Years 2 Years This summary is for illustrative purposes only. Premiums will vary according to employee family status, plan selection, and participation. If there are any discrepancies between the comparison and the proposal, the proposal will prevail. All coverages are subject to final underwriting. Do not cancel coverage prior to receiving written confirmation approval.

60 City of St. Ann Voluntary STD Financial/Benefit Summary Effective January 1, 2018 Benefits Guardian Standard Classes Covered Weekly Benefit Amount Maximum Benefit Period Elimination Period Employer Contribution Employee Participation Premium Age All Active Full Time Employees 60% to $1, Weeks 14 Day Accident 14 Day Sickness Voluntary 25% Rates All Active Full Time Employees 60% to $1, Weeks 14 Day Accident 14 Day Sickness Voluntary 25% Rates <25 $0.460 $ $0.620 $ $0.690 $0.600 $0.580 $0.440 $0.460 $ $0.580 $ $0.730 $0.550 $0.810 $ Rate Guarantee $1.200 $ Years 3 years This summary is for illustrative purposes only. Premiums will vary according to employee family status, plan selection, and participation. If there are any discrepancies between the comparison and the proposal, the proposal will prevail. All coverages are subject to final underwriting. Do not cancel coverage prior to receiving written confirmation approval.

61 City of St. Ann Voluntary STD Financial/Benefit Summary Effective January 1, 2018 Benefits Guardian Standard (GIS) Metlife Classes Covered All Active Full Time Employees All Active Full Time Employees All Active Full Time Employees Weekly Benefit Amount 60% to $1,000 60% to $1,000 60% to $1,000 Maximum Benefit Period 12 Weeks 12 Weeks 12 Weeks Elimination Period 7 Day Accident 7 Day Sickness 7 Day Accident 7 Day Sickness 7 Day Accident 7 Day Sickness Employer Contribution Voluntary Voluntary Voluntary Employee Participation 25% 25% 30% Premium Age Rates Rates Rates 0-29 $0.630 $0.650 $ $0.790 $0.720 $ $0.760 $0.550 $ $1.010 $0.510 $ $1.040 $0.620 $ $0.790 $0.690 $ $0.880 $0.910 $ $0.710 $1.150 $ $0.710 $1.150 $1.280 Rate Guarantee 2 Years 3 years 1 Years This summary is for illustrative purposes only. Premiums will vary according to employee family status, plan selection, and participation. If there are any discrepancies between the comparison and the proposal, the proposal will prevail. All coverages are subject to final underwriting. Do not cancel coverage prior to receiving written confirmation approval.

62 Board of Aldermen Agenda Memorandum No. 4a TO: The Honorable Michael Corcoran & Board of Aldermen DATE: November 27, 2017 RE: Items Referred From Regular Board of Aldermen Meeting Bill 3161 was referred back to Committee. Respectfully Submitted, Matthew K. Conley City Administrator/Clerk

63 Board of Aldermen Agenda Memorandum No. 5a TO: The Honorable Michael Corcoran & Board of Aldermen DATE: November 27, 2017 RE: Tiemeyer Park Pond Project We have received the bids back for this project. The apparent low bidder is Gershenson Construction, a reputable local contractor. We are reviewing and clarifying several items in their submittal. Respectfully Submitted, Matthew K. Conley City Administrator/Clerk

64 Board of Aldermen Agenda Memorandum No. 5b TO: The Honorable Michael Corcoran & Board of Aldermen DATE: November 27, 2017 RE: Eagle Scout Proclamation We have a request for a Proclamation to presented to Eagle Scout Benjamin Schulte at the Regular Board Meeting. Respectfully Submitted, Matthew K. Conley City Administrator/Clerk

65 Board of Aldermen Agenda Memorandum No. 5c TO: The Honorable Michael Corcoran & Board of Aldermen DATE: November 27, 2017 RE: Financial Report & 2018 Draft Budget Attached is Octobers financial report. I will present a power point presentation on the draft 2018 budget at the meeting. I will send this via before the meeting so you can follow along on your tablets. Respectfully Submitted, Matthew K. Conley City Administrator/Clerk

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