Why. employee benefits matter. Contents

Transcription

1 Why employee benefits matter Our employees are our most valuable asset. For this very reason, LONOKE EXCEPTIONAL SCHOOL is committed to offering a comprehensive employee benefits program that helps our employees stay healthy, feel secure, and maintain a work/life balance. Benefits offered through the workplace can help protect important things such as your income and your assets if you become sick or injured. Other benefits can help cover expenses that might not be covered in your medical plan such as day care, travel expenses, rent, mortgage, and every day costs of living expenses. These benefits are not only valuable, but also provide great protection for you and your family while reducing financial exposure in your medical plan. For this very reason we at LONOKE EXCEPTIONAL SCHOOL work with Regions Insurance to ensure that the benefits we offer are best-in-class. The voluntary benefits program that is offered is something we also find value in because these benefits work hand-in-hand with the medical plan in lowering financial exposure for you and your family while providing benefits over and above what is covered by a traditional medical plan. We understand that life can be busy. But we encourage you to take the time to read the material inside the booklet to familiarize yourself with the benefits available to you. Each year you will have the opportunity to meet with a Regions Benefits Counselor one-on-one to review your benefit options. Contents Introduction Your Regions Insurance Team Medical Insurance Dental Insurance Vision Short Term Disability Employer-Paid Life Insurance Voluntary Group Term Life Insurance and AD&D Cancer Insurance Accident Insurance Critical Illness Insurance Disclaimer Again, thank you for your efforts and we only wish you the very best. Sincerely, Patsy Lassiter 2014 Plan Year

2 Why putting the best team on the field matters Cole Rodgers (o) Mike Crow (o) Claire Bennett (o) At Regions Insurance we pride ourselves on working for you. Our number one objective is to make sure that every benefit being offered is best-in-class for you and your family. Knowing that these current economic times are tough we also take special pride in making sure that the benefits you are offered meet your specific needs at the price you can afford. Regions Insurance has been an industry leader in providing insurance solutions for more than 80 years. Our proven track record shows that we are here to stay and we take the utmost pride in providing service with integrity. With dozens of insurance carriers in the market selling hundreds of insurance policies, simply finding the coverage you need at the right price can be a difficult task. But we want you to know that we are on your side. We work hard to provide you the best in benefit consultation, claims advocacy, customer service, and enrollment communication because you are the reason we are here today. Benefits Funding Descriptions Medical BCBS Health Advantage Basic Life & AD&D - USAble Dental - Delta Dental Vision USAble VSP Short Term Disability - USAble Voluntary Group Term Life Insurance Usable Cancer Insurance - USAble Critical Illness - USAble Accident Insurance - USAble 75% Paid by LONOKE EXCEPTIONAL SCHOOL for Employee Coverage 100% Paid by LONOKE EXCEPTIONAL SCHOOL Employee Paid Employee Paid Employee Paid Employee Paid Employee Paid Employee Paid Employee Paid Provides benefits for office visits, preventive care, prescription drugs, and hospital service Provides $10,000 in life insurance and accidental death Provides benefits for preventive services, restorative care, periodontics, root canals, and major services Provides benefits for a yearly eye exam, lenses, frames or contacts. Benefit pays 70% of weekly salary up to $1,000 per week after the 1 st day of an off the job accident and after the 7th day of a sickness $40,000 guarantee-issue coverage for you the employee; $20,000 for your spouse; $10,000 for children Covers Radiation/Chemotherapy, New and Experimental Treatment, and comes with a Wellness Benefit Pays a lump sum between $5,000 for Heart Attack, Stroke, and other major illness, Cancer is optional and the Critical Illness plan also comes with a Wellness Benefit Provides coverage for Emergency Accidents, Hospital Admission, Office Visits, and comes with a Wellness Benefit

3 Summary of Medical Benefits Summary Buy Up Plan Benefit In-Network Out-of-Network DEDUCTIBLES & MAXIMUMS Calendar year deductible Individual $1,000 $3,000 Family $3,000 $9,000 Coinsurance 80% 60% Out-of-pocket calendar year maximum (includes deductible) Individual $3,000 $8,000 Family $9,000 $24,000 Lifetime benefit maximum UNLIMITED COVERED SERVICES Office visits Primary care physician $25 Copay 60% After Deductible Specialist $35 Copay 60% After Deductible Preventive Care Well Baby Visits, Annual Wellness Paid in Full, In-Network Exams, Preventive Care Hospital & Emergency Care 80% After Deductible 60% After Deductible Your prescription plan pays Tier 1 $10 Copay Tier 2 $40 Copay Tier 3 $60 Copay Dependents covered to age 26. Please see the FAQ section for more information regarding dependent coverage. Coverage Type Medical Plan LONOKE EXCEPTIONAL Employee Biweekly SCHOOL Pays Cost Employee Only $ $ $39.76 Employee/Spouse $ $ $ Employee/Children $ $ $ Family $ $ $291.21

4 A pretty smile brightens up everyone s day!!! You have the opportunity to enroll in the Delta Dental plan. This plan provides a high level of benefits for you and your family. You can also get discounts on services offered by dentists who are members of Delta s network. Please take time to review these benefits and if you have any questions don t hesitate to speak with a benefits consultant. Summary of Dental Benefits Summary Delta Dental Premier Benefit In-Network Deductibles & Maximums Calendar year deductible Individual $50 Per Person Annual Benefit Maximum Individual $1,000 Family $1,000 Per Person Covered Services Preventive care (cleaning, x-rays, fluoride treatments, sealants) 100% Basic services (fillings, simple extractions, space maintainers, minor emergency treatment) Major services (crowns, inlays, onlays, endodontics, oral surgery, bridges, implants, dentures, non and surgical periodontics) Orthodontics lifetime maximum is $1,000 80% 50% Additional Benefits Carry Over Benefit Limitations Member receives annual maximum January 1 st Member must have one covered dental service during the year Paid claims for the benefit year must be less than half of the annual maximum A quarter of the annual maximum will be carried over for future use Carry over benefit maximum is up to $1,000 The benefit allowance for services of an out of network dentist will be reduced by 10% for eligible services as determined by Delta Dental after applying the applicable deductibles, copays, and maximums. This means your out-of-pocket expense may be greater if you choose an out of network dentist. There is a 12 month waiting period on the replacement of existing appliances for employees not covered for 12 months on a prior group dental plan. After 12 months, replacement of an existing appliance will be covered if it is more than 5 years old. The maximum age limit to cover eligible dependents is 26. Coverage Type Employee Biweekly Cost Employee Only $11.24 Employee + 1 or More $30.72 This is a brief description of your Dental Plan. Please refer to the actual plan documents or your plan administrator for more information.

5 ! Your eyes are the window to your soul You have the opportunity to enroll in the VSP Vision plan and with this program you get personalized eye care for yourself and your entire family. VSP will help you achieve the quality care you deserve with yearly exams all the way to purchasing the frames and lenses you want. Take this opportunity to review the benefits and if you have any questions don t hesitate to take the opportunity to speak with a benefit consultant. Your Vision Benefits USAble VSP Eye examination Prescription lenses Single vision lenses Lined bifocal vision lenses Lined trifocal vision lenses Lenticular lenses Frames Contacts (in lieu of glasses) Medically Necessary Elective Summary In-network $10 Copay Copay INC Copay INC Copay INC Copay INC $20 Copay ($130 frame allowance) Covered in full $130 allowance * Benefits for exams and lenses are provided every 12 months and every 24 months for frames. Coverage Type Employee Biweekly Cost Employee Only $5.86 Employee + 1 or more $12.84 This is a brief description of your Vision Plan. Please refer to the actual plan documents or your plan administrator for more information.

6 Your Short Term Disability Benefits How important is your paycheck? As Americans we insure our homes, we insure our cars, we insure our boats. So why would you not insure your income? Our income is our most valuable asset. Think about it. If you don t have an income how are you going to pay the bills? Maybe you have a week or two of sick leave or earned time off, but after that, what happens? Fortunately, your employer provides you an opportunity to purchase Short Term Disability Insurance from Mutual of Omaha. It can pay you a percentage of your income if you become disabled due to a covered illness or off-the-job accident. Below is a brief description of your plan design. Please take the opportunity to review. Elimination Period: Benefit Duration: Protection: 1 day for off the job Accident 8 days for Sickness (including maternity) 12 weeks 70% up to $1,000 a week Pre-existing Condition: 12/12 Payroll Deduction: Biweekly (26 Pay Periods) STEP ONE: (Your annual salary) x 760%/ 52 = Weekly Benefit STEP TWO: See Rate Chart Below Cost Per Biweekly This is a brief description of your benefit. Please refer to the actual plan documents or your plan administrator for more information.

7 Premiums 40 Hours Per Week Hourly Earnings Rates Are For Industries Other Than Medical Or Municipal Weekly Earnings Monthly Earnings Annual Earnings Monthly Benefit Monthly # Pay Periods 26 Period Ages Weekly Benefit Under & Over $ $ 3.93 $ $ $ $ $ 7, $ 8, $ $ 100 $ 4.25 $ 6.09 $ $ $ 4.29 $ $ $ $ $ 8, $ 8, $ $ 110 $ 4.67 $ 6.70 $ $ $ 4.64 $ $ $ $ $ 8, $ 9, $ $ 120 $ 5.10 $ 7.31 $ $ $ 5.00 $ $ $ $ $ 9, $ 10, $ $ 130 $ 5.52 $ 7.92 $ $ $ 5.36 $ $ $ $ $ 10, $ 11, $ $ 140 $ 5.94 $ 8.53 $ $ $ 5.71 $ $ $ $ $ 11, $ 11, $ $ 150 $ 6.37 $ 9.14 $ $ $ 6.07 $ $ $ $ 1, $ 11, $ 12, $ $ 160 $ 6.79 $ 9.75 $ $ $ 6.43 $ $ $ 1, $ 1, $ 12, $ 13, $ $ 170 $ 7.22 $ $ $ $ 6.79 $ $ $ 1, $ 1, $ 13, $ 14, $ $ 180 $ 7.64 $ $ $ $ 7.14 $ $ $ 1, $ 1, $ 14, $ 14, $ $ 190 $ 8.07 $ $ $ $ 7.50 $ $ $ 1, $ 1, $ 14, $ 15, $ $ 200 $ 8.49 $ $ $ $ 7.86 $ $ $ 1, $ 1, $ 15, $ 16, $ $ 210 $ 8.92 $ $ $ $ 8.21 $ $ $ 1, $ 1, $ 16, $ 17, $ $ 220 $ 9.34 $ $ $ $ 8.57 $ $ $ 1, $ 1, $ 17, $ 17, $ $ 230 $ 9.77 $ $ $ $ 8.93 $ $ $ 1, $ 1, $ 17, $ 18, $ 1, $ 240 $ $ $ $ $ 9.29 $ $ $ 1, $ 1, $ 18, $ 19, $ 1, $ 250 $ $ $ $ $ 9.64 $ $ $ 1, $ 1, $ 19, $ 20, $ 1, $ 260 $ $ $ $ $ $ $ $ 1, $ 1, $ 20, $ 20, $ 1, $ 270 $ $ $ $ $ $ $ $ 1, $ 1, $ 20, $ 21, $ 1, $ 280 $ $ $ $ $ $ $ $ 1, $ 1, $ 21, $ 22, $ 1, $ 290 $ $ $ $ $ $ $ $ 1, $ 1, $ 22, $ 23, $ 1, $ 300 $ $ $ $ $ $ $ $ 1, $ 1, $ 23, $ 23, $ 1, $ 310 $ $ $ $ $ $ $ $ 1, $ 2, $ 23, $ 24, $ 1, $ 320 $ $ $ $ $ $ $ $ 2, $ 2, $ 24, $ 25, $ 1, $ 330 $ $ $ $ $ $ $ $ 2, $ 2, $ 25, $ 25, $ 1, $ 340 $ $ $ $ $ $ $ $ 2, $ 2, $ 26, $ 26, $ 1, $ 350 $ $ $ $ $ $ $ $ 2, $ 2, $ 26, $ 27, $ 1, $ 360 $ $ $ $ $ $ $ $ 2, $ 2, $ 27, $ 28, $ 1, $ 370 $ $ $ $ $ $ $ $ 2, $ 2, $ 28, $ 28, $ 1, $ 380 $ $ $ $ $ $ $ $ 2, $ 2, $ 28, $ 29, $ 1, $ 390 $ $ $ $ $ $ $ $ 2, $ 2, $ 29, $ 30, $ 1, $ 400 $ $ $ $ $ $ $ $ 2, $ 2, $ 30, $ 31, $ 1, $ 410 $ $ $ $ $ $ $ $ 2, $ 2, $ 31, $ 31, $ 1, $ 420 $ $ $ $ $ $ $ $ 2, $ 2, $ 31, $ 32, $ 1, $ 430 $ $ $ $ $ $ $ $ 2, $ 2, $ 32, $ 33, $ 1, $ 440 $ $ $ $ $ $ $ $ 2, $ 2, $ 33, $ 34, $ 1, $ 450 $ $ $ $ $ $ $ $ 2, $ 2, $ 34, $ 34, $ 1, $ 460 $ $ $ $ $ $ $ $ 2, $ 2, $ 34, $ 35, $ 2, $ 470 $ $ $ $ $ $ $ $ 2, $ 3, $ 35, $ 36, $ 2, $ 480 $ $ $ $ $ $ $ $ 3, $ 3, $ 36, $ 37, $ 2, $ 490 $ $ $ $ $ $ $ $ 3, $ 3, $ 37, $ 37, $ 2, $ 500 $ $ $ $ $ $ $ $ 3, $ 3, $ 37, $ 38, $ 2, $ 510 $ $ $ $ $ $ $ $ 3, $ 3, $ 38, $ 39, $ 2, $ 520 $ $ $ $ $ $ $ $ 3, $ 3, $ 39, $ 40, $ 2, $ 530 $ $ $ $ $ $ $ $ 3, $ 3, $ 40, $ 40, $ 2, $ 540 $ $ $ $ $ $ $ $ 3, $ 3, $ 40, $ 41, $ 2, $ 550 $ $ $ $ $ $ $ $ 3, $ 3, $ 41, $ 42, $ 2, $ 560 $ $ $ $ $ $ $ $ 3, $ 3, $ 42, $ 43, $ 2, $ 570 $ $ $ $ $ $ $ $ 3, $ 3, $ 43, $ 43, $ 2, $ 580 $ $ $ $ $ $ $ $ 3, $ 3, $ 43, $ 44, $ 2, $ 590 $ $ $ $ $ $ $ $ 3, $ 3, $ 44, $ 45, $ 2, $ 600 $ $ $ $ $ $ $ $ 3, $ 3, $ 45, $ 46, $ 2, $ 610 $ $ $ $ $ $ $ $ 3, $ 3, $ 46, $ 46, $ 2, $ 620 $ $ $ $ $ $ $ $ 3, $ 3, $ 46, $ 47, $ 2, $ 630 $ $ $ $ $ $ $ $ 3, $ 4, $ 47, $ 48, $ 2, $ 640 $ $ $ $ $ $ $ $ 4, $ 4, $ 48, $ 49, $ 2, $ 650 $ $ $ $ $ $ $ $ 4, $ 4, $ 49, $ 49, $ 2, $ 660 $ $ $ $ $ $ $ $ 4, $ 4, $ 49, $ 50, $ 2, $ 670 $ $ $ $ $ $ $ $ 4, $ 4, $ 50, $ 51, $ 2, $ 680 $ $ $ $ $ $ $ 1, $ 4, $ 4, $ 51, $ 51, $ 2, $ 690 $ $ $ $ $ $ 1, $ 1, $ 4, $ 4, $ 52, $ 52, $ 3, $ 700 $ $ $ $ $ $ 1, $ 1, $ 4, $ 4, $ 52, $ 53, $ 3, $ 710 $ $ $ $ $ $ 1, $ 1, $ 4, $ 4, $ 53, $ 54, $ 3, $ 720 $ $ $ $ $ $ 1, $ 1, $ 4, $ 4, $ 54, $ 54, $ 3, $ 730 $ $ $ $ $ $ 1, $ 1, $ 4, $ 4, $ 54, $ 55, $ 3, $ 740 $ $ $ $ & Over $ 1, & Over $ 4, & Over $ 55, & Over $ 3, $ 750 $ $ $ 76.15

8 Your Voluntary Group Term Life Insurance When considering life insurance you have many options to consider which can leave you scratching your head wondering what best fits your needs. Voluntary Group Term Life is an affordable option for those seeking life insurance that either, 1) don t have any or, 2) might not have enough. Your ability to select family coverage for a minimal cost is another advantage to the Voluntary Group Term Life program offered at LONOKE EXCEPTIONAL SCHOOL. Please take the time to look over the benefit summary and rate chart provided to you. Who is Eligible? Eligibility for the Voluntary Group Term Life plan is for those working 30 hours a week and have satisfied their 90 day Waiting Period for benefits. Spouses and children are also eligible for coverage, but you must have coverage on yourself to add coverage on them. In the event you have coverage on your dependents you can only cover them if they are a full time student to age 23. Is there a Guaranteed Issue Benefit Available with this Plan? In the event you are a new hire and you have satisfied the waiting period, you are eligible for $40,000 on yourself, $20,000 on your spouse, and $10,000 on your dependents without having to go through a physical or even answer medical questions. If you choose to decline coverage and wait until next year you will have to qualify medically in order to get this coverage. Is there an Age Reduction Schedule with this plan? Yes. The majority of Voluntary Group Term Life plans reduce at a certain age. This plan reduces at age 70 by 35% and reduces again at 75 by another 20%. Please note that it will terminate at retirement.

9 Non Tobacco Biweekly Rates Benefit Under * 70-74* $ 10,000 $ 0.37 $ 0.46 $ 0.65 $ 1.02 $ 1.57 $ 2.49 $ 4.15 $ 6.55 $ $ $ 20,000 $ 0.74 $ 0.92 $ 1.29 $ 2.03 $ 3.14 $ 4.98 $ 8.31 $ $ $ $ 30,000 $ 1.11 $ 1.38 $ 1.94 $ 3.05 $ 4.71 $ 7.48 $ $ $ $ $ 40,000 $ 1.48 $ 1.85 $ 2.58 $ 4.06 $ 6.28 $ 9.97 $ $ $ $ $ 50,000 $ 1.85 $ 2.31 $ 3.23 $ 5.08 $ 7.85 $ $ $ $ $ $ 60,000 $ 2.22 $ 2.77 $ 3.88 $ 6.09 $ 9.42 $ $ $ $ $ $ 70,000 $ 2.58 $ 3.23 $ 4.52 $ 7.11 $ $ $ $ $ $ $ 80,000 $ 2.95 $ 3.69 $ 5.17 $ 8.12 $ $ $ $ $ $ $ 90,000 $ 3.32 $ 4.15 $ 5.82 $ 9.14 $ $ $ $ $ $ $ 100,000 $ 3.69 $ 4.62 $ 6.46 $ $ $ $ $ $ $ $ 110,000 $ 4.06 $ 5.08 $ 7.11 $ $ $ $ $ $ $ $ 120,000 $ 4.43 $ 5.54 $ 7.75 $ $ $ $ $ $ $ $ 130,000 $ 4.80 $ 6.00 $ 8.40 $ $ $ $ $ $ $ $ 140,000 $ 5.17 $ 6.46 $ 9.05 $ $ $ $ $ $ $ $ 150,000 $ 5.54 $ 6.92 $ 9.69 $ $ $ $ $ $ $ $ 160,000 $ 5.91 $ 7.38 $ $ $ $ $ $ $ $ $ 170,000 $ 6.28 $ 7.85 $ $ $ $ $ $ $ $ $ 180,000 $ 6.65 $ 8.31 $ $ $ $ $ $ $ $ $ 190,000 $ 7.02 $ 8.77 $ $ $ $ $ $ $ $ $ 200,000 $ 7.38 $ 9.23 $ $ $ $ $ $ $ $ $ 210,000 $ 7.75 $ 9.69 $ $ $ $ $ $ $ $ $ 220,000 $ 8.12 $ $ $ $ $ $ $ $ $ $ 230,000 $ 8.49 $ $ $ $ $ $ $ $ $ $ 240,000 $ 8.86 $ $ $ $ $ $ $ $ $ $ 250,000 $ 9.23 $ $ $ $ $ $ $ $ $ $ 260,000 $ 9.60 $ $ $ $ $ $ $ $ $ $ 270,000 $ 9.97 $ $ $ $ $ $ $ $ $ $ 280,000 $ $ $ $ $ $ $ $ $ $ $ 290,000 $ $ $ $ $ $ $ $ $ $ $ 300,000 $ $ $ $ $ $ $ $ $ $ Children's Benefit $5,000 $ 0.69 $10,000 $ 1.38 * Ages and after ADEA reduction.

10 Tobacco Biweekly Rates Benefit Under * 70-74* $ 10,000 $ 0.37 $ 0.92 $ 1.11 $ 1.94 $ 3.51 $ 5.72 $ $ $ $ $ 20,000 $ 0.74 $ 1.85 $ 2.22 $ 3.88 $ 7.02 $ $ $ $ $ $ 30,000 $ 1.11 $ 2.77 $ 3.32 $ 5.82 $ $ $ $ $ $ $ 40,000 $ 1.48 $ 3.69 $ 4.43 $ 7.75 $ $ $ $ $ $ $ 50,000 $ 1.85 $ 4.62 $ 5.54 $ 9.69 $ $ $ $ $ $ $ 60,000 $ 2.22 $ 5.54 $ 6.65 $ $ $ $ $ $ $ $ 70,000 $ 2.58 $ 6.46 $ 7.75 $ $ $ $ $ $ $ $ 80,000 $ 2.95 $ 7.38 $ 8.86 $ $ $ $ $ $ $ $ 90,000 $ 3.32 $ 8.31 $ 9.97 $ $ $ $ $ $ $ $ 100,000 $ 3.69 $ 9.23 $ $ $ $ $ $ $ $ $ 110,000 $ 4.06 $ $ $ $ $ $ $ $ $ $ 120,000 $ 4.43 $ $ $ $ $ $ $ $ $ $ 130,000 $ 4.80 $ $ $ $ $ $ $ $ $ $ 140,000 $ 5.17 $ $ $ $ $ $ $ $ $ $ 150,000 $ 5.54 $ $ $ $ $ $ $ $ $ $ 160,000 $ 5.91 $ $ $ $ $ $ $ $ $ $ 170,000 $ 6.28 $ $ $ $ $ $ $ $ $ $ 180,000 $ 6.65 $ $ $ $ $ $ $ $ $ $ 190,000 $ 7.02 $ $ $ $ $ $ $ $ $ $ 200,000 $ 7.38 $ $ $ $ $ $ $ $ $ $ 210,000 $ 7.75 $ $ $ $ $ $ $ $ $ $ 220,000 $ 8.12 $ $ $ $ $ $ $ $ $ $ 230,000 $ 8.49 $ $ $ $ $ $ $ $ $ $ 240,000 $ 8.86 $ $ $ $ $ $ $ $ $ $ 250,000 $ 9.23 $ $ $ $ $ $ $ $ $ $ 260,000 $ 9.60 $ $ $ $ $ $ $ $ $ $ 270,000 $ 9.97 $ $ $ $ $ $ $ $ $ $ 280,000 $ $ $ $ $ $ $ $ $ $ $ 290,000 $ $ $ $ $ $ $ $ $ $ $ 300,000 $ $ $ $ $ $ $ $ $ $ Children's Benefit $5,000 $ 0.69 $10,000 $ 1.38 * Ages and after ADEA reduction.

11 Why Cancer insurance you ask? Did you know? 1 out of 5 people who are diagnosed with cancer use all or most of their savings.* Roughly 65% of all cancer related costs are not covered by traditional health insurance.* Men have slightly less than a one in two lifetime risk of developing cancer; for women, the risk is a little more than one in three. ** * Cancer Facts and Figures 2008, American Cancer Society ** Cancer Facts and Figures 2009, American Cancer Society A cancer/specified-disease insurance policy can also help protect your income and savings from expenses that aren't covered by your major medical health insurance policy, including: Deductibles Out of network specialists Experimental cancer treatment Travel and lodging when treatment is far from home Child care and household help The total financial impact of cancer includes direct and indirect costs. Your USAble Cancer Plan includes the following coverage s and up to three plan offerings The below description is of USAble s Cancer Plan 1. Please ask for a brochure!!! Inpatient/Outpatient Benefits: $100 per day for 60 days, $200 for each day after Radiation/Chemotherapy Benefits: up to $5,000 of actual incurred charges Initial Diagnosis Benefit: up to $5,000 (optional) New/Experimental Treatment Benefit: up to $5,000 per calendar year Travel and Lodging Benefit: up to $100 plus roundtrip coach airfare Surgery and Anesthesia Benefit: up to $1,000, 30% anesthesia benefit Bone Marrow Transplant Benefit: up to $10,000 for inpatient, $5,000 for outpatient Prosthesis Benefit: up to $3,000 per calendar year Stem Cell Transplant Benefit: up to $2,500 Wellness Benefit: $75 each insured on the plan Coverage Biweekly Cost Plan I Employee $ Parent Family $9.94 Family $14.92 Per Pay Deduction

12 5 Why do I need accident insurance? Though most people do not like to think about it, accidents can happen at any place, at any time and can be devastating. You could have an accident while driving to work, doing chores around the house, exercising, enjoying outdoor activities such as sports and hunting or just playing with your kids. After an accident you may have expenses you've never thought about before. Can your finances handle them? It's reassuring to know that an accident insurance policy can be there for you through the many stages of recovery, from the initial emergency treatment or hospitalization, to follow up treatments or physical therapy. Did you know? In 2007, more than 34 million people sought medical attention for an injury. In 2006, more than 42 million visits to hospital emergency departments were due to injuries. Falls are the leading cause of unintentional injuries that are treated in hospital emergency departments. Your USAble Accident plan includes the following coverage s and up to three plan offerings The below description is of the USAble Life Basic Accident Plan. Accidental Death and Dismemberment Insurance: $30,000 employee, $30,000 spouse, $9,750 child Emergency Treatment Benefit: $105 employee/spouse, $60 child Major Diagnostic Exams Benefit: $150 for all insured s Appliance Benefit: $105 for all insured s Fracture Benefit: up to $1,875 (based upon accident. See brochure) Follow up treatment Benefit: $30 per visit up to 6 visits per accident Physical Therapy Benefit: $30 per visit up to 5 visits per accident Hospital Admission Benefit: $1,000 Hospital Confinement and ICU Benefit: $195 for hospital confinement and $400 for ICU Wellness Benefit: $60 once per policy per year PLEASE REVIEW YOUR POLICY CAREFULLY AND ASK FOR AN ACCIDENT BROCHURE AT TIME OF ENROLLMENT BECAUSE THIS IS JUST A BRIEF DESCRIPTION!!! Biweekly Cost Coverage Basic Plan Employee $7.30 Employee/Spouse $10.38 Employee/Child(ren) $12.12 Family $15.22

13 Why do I need critical illness insurance? Although medical insurance and other insurance coverages you may have are essential, they won't cover everything. Medical treatment has never been better, but is also expensive. People today can experience financial hardship because of the expenses their insurance plan does not cover. Critical illness insurance could be a strong supplement to other health insurance. Did you know? 1 in 5 men suffer a critical illness before their normal retirement age.* 1 in 6 women suffer a critical illness before their normal retirement age.* The probability of surviving a critical illness before age 65 is almost twice as great as dying.* Approximately 1.5 Americans suffer a heart attack each year, of those 1.1 million will survive at least 3 years.* * Munich Reinsurance Co Your USAble Critical Illness plan includes the following coverages and up to two plan offerings. Optional Invasive Cancer Coverage: $5,000- $100,000 Heart Attack: $5,000- $100,000 Stroke: $5,000- $100,000 End Stage Renal Disease: $5,000- $100,000 Quadriplegia Benefit: $5,000- $100,000 Major Organ Transplant: $5,000- $100,000 Bypass Surgery Benefit: $5,000- $100,000 Balloon, Angioplasty, or Stent Benefit: $5,000- $100,000 Carcinoma in Situ Benefit: $5,000- $100,000 Wellness Benefit: $75 for employee + 1 Recurrent Benefit: Optional Reoccurrence Benefit: Optional PLEASE REVIEW YOUR POLICY CAREFULLY AND ASK FOR A CRITICAL ILLNESS BROCHURE AT TIME OF ENROLLMENT BECAUSE THIS IS JUST A BRIEF DESCRIPTION!!! Biweekly Rates Per $5,000 without Cancer Coverage Age Non-Tobacco $.68 $1.06 $1.62 $2.40 $3.18 Tobacco $1.16 $2.16 $3.78 $5.92 $7.46 Child Rates Newborn 23 years $.38 Biweekly Rates Per $5,000 with Cancer Coverage Age Non-Tobacco $1.02 $1.68 $2.62 $4.02 $5.42 Tobacco $2.12 $3.86 $6.84 $10.92 $13.74 Child Rates Newborn 23 years $.68

14 Disclosures Active Employment Applies to group insurance products. You are considered an active employee if on the day you sign up for coverage, you are being paid by LONOKE EXCEPTIONAL SCHOOL for the required minimum hours each week while performing the duties of your regular occupation. Actively at Work Applies to all insurance products. Being actively at work means that when you sign up for coverage you are working at LONOKE EXCEPTIONAL SCHOOL for the required minimum hours each week. You are not actively at work if your normal job duties are limited due to health reasons or leave of absence. Additional Information Applies to the Cancer, Accident, and Critical Illness plans The benefit summary is intended to be a brief explanation of the polices available to you as an employee of LONOKE EXCEPTIONAL SCHOOL. The policy definitions, exclusions, and limitations will be used to determine eligibility. After the policy is issued you will have a 30 day free look period. You may cancel the policy during that 30 days with no cost to you. Disclaimer The benefit summary is designed to give you a better understanding of what policies are available to you as an employee of LONOKE EXCEPTIONAL SCHOOL. The summary only provides a brief description of your coverages. Please review your certificate of coverages or summary plan descriptions for a full schedule of coverages.