EXPERIENCE. PRUDENTIAL. Disability Insurance and Absence Management Services

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1 EXPERIENCE. PRUDENTIAL. Disability Insurance and Absence Management Services THIS IS NOT A POLICY OF WORKERS COMPENSATION INSURANCE. THE EMPLOYER DOES NOT BECOME A SUBSCRIBER TO THE WORKERS COMPENSATION SYSTEM BY PURCHASING THIS POLICY, AND IF THE EMPLOYER IS A NON-SUBSCRIBER, THE EMPLOYER LOSES THOSE BENEFITS WHICH WOULD OTHERWISE ACCRUE UNDER THE WORKERS COMPENSATION LAWS. THE EMPLOYER MUST COMPLY WITH THE WORKERS COMPENSATION LAW AS IT PERTAINS TO NONSUBSCRIBERS AND THE REQUIRED NOTIFICATIONS THAT MUST BE FILED AND POSTED. The Prudential Insurance Company of America (Prudential)

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3 YOUR EXPERIENCE WITH PRUDENTIAL Powered by Ease Fast and accurate claim decisions Claims Tracking at-a-glance view of claim progression Two-way texting Mobile photo upload (coming Q3 2018) 24/7 online access to real-time plan information Updated employee web portal now with document upload capabilities Single claims system for absence and short & long term disability claims one claim number, integrated decision letter, and reporting Expert implementation led by experienced project managers Backed by Expertise 100 years in group insurance years in disability insurance 1 Board member in top industry associations Health and Productivity Analytics and Consulting Practice team, led by Dr. Kristin Tugman, provides analytics that lead to actionable solutions to minimize absence and maximize productivity Account management teams with an average of 15+ years of industry experience Vocational Specialists, Clinicians, Behavioral Health Experts, and Physicians average 10, 14, 15, and 19 years experience, respectively Clearly defined LTD Claim Behavioral Health Case Management with internal experts providing dedicated support, result-driven solutions Exceptional ADA offering helps navigate the most pertinent issues Solutions that meet the unique needs of customers (from proprietary plans to AbsenceOne, through our partnership with Sedgwick) Focused on Results Short Term Disability (STD) durations are 10% lower than the industry average year over year 2 85% of STD decisions made within 10 days of notice 3 97% of initial LTD decisions made by benefit effective date 4 99% Quality Review comprehensive results 4 92%+ claimant satisfaction for STD, LTD, and Absence claims 5 95% satisfaction rate for account performance 6

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5 ABSENCE & DISABILITY CHALLENGE EMPLOYERS FINANCIAL WELLNESS Employers have a lot to lose when employees miss work. In fact, the cost of unplanned absence is 6.7% of an employer s payroll. 7 They also face many challenges when it comes to the administration of absence and disability, including: Benefit plan performance Use of multiple vendors Challenging regulations Complex leave policies Accommodating Return to Work Reduced HR staff 55% of employers are implementing or have already implemented accommodations to help employees return to work. 8 Employees who become ill or injured and unable to work are facing a financial wellness challenge like never before. Without savings or a plan to help protect their income, a disability could be economically catastrophic to their economic stability. With our combined expertise and consultative approach, The Prudential Insurance Company of America (Prudential) has the ability to deliver absence and disability benefit experiences that can help create and protect financial wellness.

6 Prudential offers a full suite of absence and disability products. The Prudential Insurance Company of America (Prudential) offers disability and absence solutions that help meet employers challenges head on. EXPERIENCE REAL-WORLD SOLUTIONS Our products and services: Absence Management Services* What? Simplified experience to managing and tracking employees time away from work with an integrated disability and absence solution. Leaves managed include: Federal Family Medical Leave (FMLA) State Leaves Employer-Directed Leave (Jury Duty, Military, Municipal, and Bereavement)* Company Paid Leaves* Why? Prudential s solution for effectively managing unplanned absences helps control costs, manage workforce productivity, ease administrative burden, and mitigate compliance risk. AbsenceOne What? Through our partnership with Sedgwick, we offer an innovative, end-toend absence and disability solution for our large, most complex customers with seamless integration between front-end STD and Absence, and back-end LTD, under one contract. Why? Our solution eliminates the inherent burdens many large employers and their employees face when working with multiple vendors to manage these important employee benefits by delivering a seamless, high-touch, industrytailored, and client-customized service. *Absence Services (Federal and State) are available for 200+ lives. ADAdvocate Services are available for 500+ lives. Company leave (paid and unpaid) administration is available for 1,000+ lives.

7 ADAdvocate Accommodation Support Services What? Administrative assistance in managing the ADA process. Why? Expert help identifying and documenting all types of worksite accommodations needed to help disabled employees stay on the job or return to work after a disability-related absence. Short Term Disability (STD) What? A source of income for employees who cannot work temporarily due to a disability. Why? With a focus on return to work, claim managers make quick and accurate decisions that allow employees to focus on recovery instead of paperwork. State Mandated Disability Plans What? Plan administration in all 5 jurisdictions that permit private statutory disability plans: New York (DBL, NY PFL), New Jersey (TDB), Puerto Rico (DBA), Hawaii (TDI), and California (VDI including PFL). Why? Claim administration and compliance support with highly regulated programs. Integrated Short Term and Long Term Disability What? Ensures that the transition from STD to LTD is seamless, thanks in large part to our proprietary Disability Claims Management System. The claimant retains the same claim number when the LTD claim is automatically created prior to the actual benefit effective date. Why? A single claim system ensures that any information gathered during STD is automatically shared with the LTD claim manager, preventing delays and duplicate work for employers and their employees. Long Term Disability (LTD) What? Replaces a portion of an employee s income when that employee is unable to work for an extended period of time due to a disability. Why? Because every claim is unique, claim managers regularly assess work capacity and engage in-house clinical, vocational, and behavioral health resources to help address the medical and non-medical barriers to recovery, and return to work and/or a return to life. Return to Work (RTW) What? A focus embedded into our dedicated claim practices with optional solutions to help customers implement or improve in-house programs. Why? Improving workplace productivity and limiting the cost of absence by returning employees back to work sooner. Return to Life What? We identify non-medical barriers to recovery, independence, and/ or RTW, and provide claimants and their families appropriate resource information to help reduce or remove those barriers. Why? We provide claimants with access to affordable medical treatment and resources to help overcome transportation or mobility issues, which can significantly impact an individual s return to productivity. Social Security Claimant Assistance Program. What? Prudential assists claimants in navigating the Social Security Disability process through all levels. One hundred percent of all newly approved LTD claims are screened for Social Security representation. Why? Our Social Security Assistance program produces 94% cumulative approved SSDI awards. 9

8 EXPERIENCE-DRIVEN SOLUTIONS FOR PLAN OPTIMIZATION Our expertise and resources help employers achieve optimum results from their benefits programs. Seamless claim management, clinical, vocational, and behavioral specialists, and results-oriented claimant assistance programs play an integral part in creating a positive benefits program experience. Data analytics and consulting team As a consultative partner, our goal is to help maximize plan performance for greater achievement of each employer s benefit objectives. Other providers merely supply you with data. Exclusively offered by The Prudential Insurance Company of America, our Health and Productivity Analytics and Consulting Practice (HPAC) team helps you understand your customized analysis and translates it into actionable steps to help reduce absence and boost productivity. We provide actionable information in easy-to-understand reporting packages delivered annually or upon request. In-depth analyses conducted by our Health and Productivity Analytics and Consulting Practice team include: Program activity and trends Estimated employer cost of unplanned absence Return-to-work opportunities Benchmarking against Prudential s book of business and industry databases Plan design recommendations Transitional Return to Work (RTW) Program Development Productive Aging Program Implementation Potential Annual Savings Savings equivalents of reducing absences by 1, 2, and 3 days per full-time employee!

9 Claim Management Professionals With an average of over 6 years of industry experience, our staff is qualified and focused on providing a compassionate and empathetic approach to assist you and your employees. Our associates participate in ongoing training that includes instruction on policy provisions, medical terminology, leave laws, and claim management techniques. Clinical Specialists With specialties in occupational health, clinical psychiatry, rheumatology, and orthopedics, among others, Prudential s in-house physicians and clinical staff help develop claim strategies focused on return to work. Vocational Rehabilitation Professionals Our team of master s degree-level vocational experts is focused on return-to-work success. Each claim team has an assigned vocational rehabilitation specialist available to provide real-time claim consultation and workplace accommodations. Prudential s in-house physicians and vocational staff help develop claim strategies focused on return to work. Behavioral Health Specialists Prudential also offers a differentiated approach to Behavioral Health Wellness through a three-tiered case management module that is clearly defined, backed by internal Behavioral Health experts who partner with internal claims managers and treatment providers to eliminate barriers and provide result-driven solutions based on individual needs.

10 1 Single claim system 1 system 1 intake 1 claim number 1 decision 1 letter from 1 claim manager 1 source A BENEFITS PROGRAM THAT S EASY FOR EVERYONE We ve developed disability and absence management solutions to help enhance the customer experience and optimize benefit plans: A better claims experience by investing heavily in people, process, and technology to help continually simplify and improve the disability claims process. Prudential s proprietary Disability Claims Management System (DCMS) supports real-time, seamless claim management to create a positive claims experience for all involved. Our full suite of resources and consultative professional support is designed to help you to effectively manage disability and absence administration for your employees. Effective enrollment services We work with employers to help develop enrollment strategies to suit their culture and needs. Our swift and easy enrollment process includes a simplified online Evidence of Insurability (EOI) process, so that all an employee needs to do is answer just two or three questions. A variety of tools, including our online Disability Insurance Needs Calculator, helps educate employees about their risk for disability and how it could impact their financial wellness.

11 Online access to important information With a single user ID and password, employees can log on to our website and: Report an absence Check claim status 24/7 Upload claim-related documents Verify claim payment Review claim letters Request direct deposit payment Confirm return-to-work date In addition, supervisors and human resources staff can also access: Claim reports Plan documents Forms Billing information We have also simplified the claim process with flexible digital solutions: Two-Way Texting Claim managers can provide and request information from claimants Claimants can text information to us Mobile Photo Upload (coming Q3 2018) Claimants can text photos of claim documents from a mobile device Images directly added to their claim in our system Prudential is focused on providing outstanding benefit experiences. Contact your Prudential representative today to learn how.

12 DISABILITY DONE DIFFERENTLY As your trusted Disability partner, we provide income protection solutions that help improve employees overall financial wellness and maximize workforce productivity. Through our people and their passion, we deliver a differentiated disability and absence management experience focused on ease, expertise, and results. 1 Prudential Book of Business, Prudential-reported results in the Integrated Benefits Institute Study, 2011, 2012, 2013, 2014, 2015, and Disability Claims Operations Service Metrics, Prudential Service Metrics, Claimant Satisfaction results for Absence, Short Term Disability, and Long Term Disability Employer Relationship survey. 7 Executive Summary: Total Financial Impact of Employee Absences in the U.S. Society for Human Resource Management, August Prudential s Ninth Study of Employee Benefits: Today & Beyond, Allsup SSDI Program Review report, February 2018 (for YE 2017). Absence Management Services are administered by The Prudential Insurance Company of America. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services. North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company. Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations,and restrictions, which may apply. Contract Series: Prudential Financial, Inc. and its related entities. Prudential, the Prudential Logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. ADAdvocate is a registered service mark of Prudential Financial, Inc