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ESB-2013-0113

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Page 1: Employer Branding Presentation

ESB-2013-0113

Page 2: Employer Branding Presentation

ESB-2013-0113

Page 3: Employer Branding Presentation

American Fidelity Assurance Company

We Believe • Benefit design and delivery should

be simple

• Employee benefits and services should provide added value

• Controlling costs is important

• Customer Service is Key

ESB-2013-0113

Page 4: Employer Branding Presentation

American Fidelity Assurance Company

What We Do• Specialize in offering benefits and

services for employer groups and employees

• Provide services to help employers and employees save money

• Offer supplemental insurance benefits

• Make benefit utilization simple

ESB-2013-0113

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American Fidelity Assurance Company

How We Do It• Niche Market Focus

• Local Salaried, Career Account Managers

• Top Quality Customer Service

• Financial Strength1

1 www.ambest.com/consumers (April 3, 2012) (A+ is the 2nd out of 16 with 1 being the highest)

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Page 7: Employer Branding Presentation

Expense Management Services

‐ Section 125 Plans

‐ Flexible Spending Accounts (FSA)

‐ Health Savings Accounts (HSA)

‐ Health Reimbursement Arrangements (HRA)

‐ Pre-Tax Transportation Benefits

Some of our products and services may be provided by third party contractors or affiliated companies.Services listed may not be available in all states.

ESB-2013-0113

Page 8: Employer Branding Presentation

Expense Management Services

Section 125 Plans• 25 year history with over 7,500

Plans

• Year-round assistance including plan setup, employee education, and enrollment

• Compliance support team with hotline and VIP Email notifications

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Expense Management Services

Flexible Spending Accounts• Employee and employer tax savings

• Uniform Coverage Risk Insurance Plan

• Complimentary debit card and direct deposit

• Online claim submission and mobile app – coming soon!

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Expense Management Services

Health Savings Accounts• Triple tax-savings advantage

• Convenient, secure online system

• Mutual fund options available

• Employee education and enrollment support

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Expense Management Services

Health Reimbursement Arrangements• Employers have greater control of

their benefit dollars

• Multiple, customizable plan choices

• Flexible plan funding

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Expense Management Services

Pre-Tax Transportation Benefits• Pre-tax assistance with commuting

expenses

• Easy-to-use online portal for employees

• Home delivery of mass transit vouchers or prepaid commuter check card

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Page 14: Employer Branding Presentation

Employee Benefits

Built with the Employee in Mind• Diverse portfolio of voluntary benefits

• Complements existing employer core benefits

• Ease of enrollment and simplified underwriting

• Communication materials available in Spanish and English

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Employee Benefits

• Disability Income Insurance* • Accident Only Insurance*+ • Cancer Insurance*+ • Life Insurance*,** • Critical Illness Insurance*+ • Core Benefits

* These products may contain limitations, exclusions and waiting periods. **Not generally qualified benefits under Section 125 plans. +This

product is inappropriate for people who are eligible for Medicaid coverage. The company reserves the right to change premium rates by

class. For individual tax advice, please consult your tax advisor. Benefits listed may not be available in all states.

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Employer Administrative & Support Services

Helping Design, Deliver And Manage Your Benefits Program• Create a Customized Benefit Program

• Educate employees while handling entire benefit enrollment

• Save time, simplify administration and identify possible savings

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Employer Administrative & Support Services

‐ Dependent Verification Reviews

‐ COBRA Administration

‐ Nondiscrimination Testing

‐ Health Care Reform

‐ Online Administrative Tools

ESB-2013-0113

Some of our products and services may be provided by third party contractors or affiliated companies.Services listed may not be available in all states.

Page 19: Employer Branding Presentation

Employer Administrative & Support Services

Dependent Verification Reviews• Lower claim cost potential

• Help ensure plan resources benefit those the plan intended to cover

• Secure, visual third-party inspection

• One-on-one sessions take place on-site

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Employer Administrative & Support Services

COBRA Administration• Limit risk exposure

• Neutral third party administration

• Employee notifications, billing and premium remittance to carriers

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Page 21: Employer Branding Presentation

Employer Administrative & Support Services

Nondiscrimination Testing• Helps ensure benefit plans are

compliant with federal rules

• Secured Online Service Center to upload data and perform testing

• Year round monitoring availability

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Page 22: Employer Branding Presentation

Employer Administrative & Support Services

Health Care Reform Support• Educate employers on developing

law

• Communicate plan changes to employees

• Assist with implementation and ongoing compliance

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Page 23: Employer Branding Presentation

Employer Administrative & Support Services

Health Care Reform Support, Cont.

• Educational materials during one -on-one individual consultations

• Robust website (HCReducation.com)

• VIP employer email alerts covering developing law and upcoming deadlines

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Page 24: Employer Branding Presentation

Employer Administrative & Support Services

Online Administrative Tools• Secure administration website for

employers

• Convenient access to program support tools, including online billing

• Safe, fast, and secure method to reconcile payments and access information

• Administrative guide, videos and other resources to help manage plans

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Enrollment Solutions

Year Round Service Commitment• Pre-enrollment planning

• Employee education and benefit booklets

• One-on-one employee enrollments

• Post-enrollment review

• New hire enrollmentsESB-2013-0113

Page 27: Employer Branding Presentation

Enrollment Solutions

Full Benefits Enrollment• Availability to enroll core benefits

during one-on-one benefit review

• Single enrollment meeting for employee

• Coordination with Health Plan Provider to incorporate their application process

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Enrollment Solutions

Enrollment Platform• Automated data uploads ensure

fast transfer of benefits and billing information

• Benefit elections are recorded directly into system, eliminating manual data entry

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Page 30: Employer Branding Presentation

Compliance Support

Let American Fidelity Help• Employee benefit administration comes

with a multitude of requirements

• 30 year history rooted in understanding and implementing tax-favored plans

• Provide the support necessary to ensure customers remain compliant with current law

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Page 31: Employer Branding Presentation

Compliance Support

‐ Plan Documentation‐ Nondiscrimination Testing‐ Plan Communication‐ Claims Adjudication‐ Compliance Monitoring and

Communication Resources‐ Tax Reporting Assistance

* American Fidelity does not provide legal or tax advice. We recommend you work with your counsel to ensure your plan’s compliance.

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Page 33: Employer Branding Presentation

Customer Experience

A Company Built on Service• We understand employers have a choice

when selecting a benefit provider

• We work hard to ensure every customer experience is a positive one

• We are dedicated to supporting employers and employees

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Page 34: Employer Branding Presentation

Customer Experience

Ease of Claim Submission‐ Mail/Fax

‐ Online service center claim submission

‐ Mobile App

Ease of Reimbursement‐ Debit card

‐ Direct deposit

‐ One complimentary reimbursement check per year

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Customer Experience

‐ Secured Online Service Center

‐ Helpful Online Resources

‐ Customer Service Support

‐ Electronic Policy Access

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Jennifer Fetherston2000 Classen Blvd, Oklahoma City, OK 73106800-450-3506, Ext [email protected]