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1111 H S treet, Fres no, C A 937 2 1 , Tel559. 457 . 0 68 1 Fax 559. 457 . 0 31 8

DA T E: July 15, 2015

T O : Board of Retirement

FR O M : Donald C. Kendig, CPARetirement Administrator

S T A FFCO N T A CT : Becky Van WykAssistant Retirement Administrator

S U BJECT :A doptR esolutionA uthorizingtheO ptionalDeductionsfrom R etirem entP ayrollBenefitsasA uthorizedby S tatute– R ECEIVEA N D FIL E:A P P R O P R IA T EA CT IO N

BackgroundandDiscussionThe California Government Code limits the voluntary deductions that can be made from benefits paidto a retired member of a retirement system authorized under the County Employees Retirement Lawof 1937 (CERL). Deductions that may be authorized include: (1) Paying premiums on any policy orcertificate of group life insurance or group disability insurance issued by an admitted insurer. (2)Paying premiums for a prepaid group medical or hospital service plan. (3) Paying premiums for avision care program or dental plan, approved by the board, for the benefit of the retired member orhis or her dependents. (4) Paying premiums on national service life insurance or United Statesgovernment converted insurance. (5) Payment for the purchase of shares in or the payment ofmoney to any regularly chartered credit union. (6) Payment to a charitable organization or afederally chartered veterans’ organization that is approved by the board. (7) Payments to arecognized retiree organization. (8) Payment for the purchase of United States savings bonds. (9)The payment of personal income taxes to the government of the United States or the State ofCalifornia. (10) Payment for any retiree benefit programs available through the recognized retireeorganization.

The Board has previously authorized deductions for (1) Paying premiums for a prepaid group medicalinsurance offered through the County of Fresno; (2) Payments to a recognized retiree organization,specifically the Retired Employees of Fresno County (REFCO); and (3) The payment of personalincome taxes to the government of the United States or the State of California (which was extendedto include all 50 of the states that collect income taxes). Although statutes allow for the collection ofa reasonable fee for the making of the deductions and payments, to date, the Board has not imposeda fee for any voluntary deductions.

FRES NO C O UNTY EM P L O YEES ’ RETIREM ENTA S S O C IA TIO N

B O A RD O FRETIREM ENT

S teven J. Jolly, C hairD r. Rod C obu rn, III, Vic e C hair

L au raP . B asu aGreg B axter

Vic kiC rowP au lD ic tos, C P A

RobertD owellEu lalio Gom ez

M ary A nn Rogozinski, A lternateD onald C . Kend ig, C P ARetirem entA d m inistrator

Optional Deductions from Retirement Payroll BenefitsJuly 15, 2015

In recent years, the State Association of County Retirement Systems (SACRS) has developed a visioncare package and is working to develop a dental care plan. Participation in the program does requireadoption of payment of the premium through a deduction from the retiree’s monthly retirementbenefit. In addition, REFCO has contracted with Pacific Group Agencies, Inc. to provide optionalbenefits for its members. The optional benefits include insurance for dental, vision, travel, car, homeowner’s, identity theft, pet care, personal accident & secure travel, hearing aid, and legal shield.Premiums are currently deducted directly from the participant’s bank account. REFCO believes thatparticipation would increase if payroll deduction were authorized.

The County of Fresno provides access to retiree health insurance, including vision and dental, toformer County employees. However, FCERA’s population includes former members of severalspecial district employers as well. And not all former County employees are enrolled in the County’shealth insurance program. The availability of a low-cost vision program would allow those memberswho do not participate in the County’s health insurance program to have access to much neededvision care. In addition, the program offered through SACRS includes enhanced coverage for thoseencountering issues resulting from diabetes or who have hearing issues. I have attached informationon Vision Service Plan (VSP) to this discussion item.

SACRS offers a vision care package to eligible retired members of 1937 Act systems. Many FCERAretirees have expressed interest in the program. For a small monthly premium (negotiated bySACRS), the participant can receive both routine and follow-up medical eye care, including diabeticeye care, retinal screening, and even hearing aid discounts. In order for retired members toparticipate in the program, the retirement system must authorize the use of payroll deduction forthe premium which is paid by the benefit recipient. Currently, two or three 1937 Act systemsparticipate in the program. Once set up, the program is at little to no cost to the retirement system.The retirement system is responsible for the costs to set up the program, custodial bank costs, andissuing the premium check to VSP, all other costs are paid by VSP and the participant.

Kelly Prinz, Retirement Benefits Manager, discussed the SACRS vision care benefit with arepresentative of REFCO to confirm that the program would not conflict with any offerings availablethrough their program. They expressed gratitude that FCERA Administration and the Board wereconsidering this idea. In addition, they have a slate of optional services available to members ofREFCO through Pacific Group Agencies, Inc. (PGA) that they would like the Board to considerincluding as an approved payroll deduction. FCERA staff met with REFCO and representatives of PGAto discuss their program and FCERA’s programming requirements. We have had retirees expressinterest in the program, as well. I have attached information about these services as part of thisdiscussion item.

In addition to these two established programs, SACRS is getting ready to offer a dental programthrough CIGNA Healthcare. A description of the program is not currently available. As with the VSPprogram, the retirement system is responsible for the costs to set up the program, custodial bankcosts, and issuing the premium check, all other costs are paid by the vendor and the participant.


Kelly Prinz, Thanaphat (Pat) Srisukwatana, Systems and Procedures Analyst, Kim Zepeda, Systems andProcedures Analyst, and Becky Van Wyk, Assistant Retirement Administrator, met withrepresentatives of SACRS and VSP to discuss the vision care program and the steps required to bringit to FCERA. FCERA staff also met with representatives of REFCO and PGA regarding their program. Ifthe Board approves the deductions, FCERA staff will work with the vendors (VSP, CIGNA and PGA)and Northern Trust to set up deduction codes and processes to submit the deduction information forprocessing. We anticipate that we will be ready to process the first deduction file for REFCO inAugust or September, 2015 and for VSP in January, 2016. An implementation date is not yetavailable for CIGNA.

Security of Member DataSACRS has contracted with VSP to provide the vision care services. VSP submitted a confidentialindependent auditor’s report completed by KPMG for the period of January 1, 2014 to December 31,2014. FCERA Administration review of the confidential report determined that the key criticalcontrols, including proper physical security protocol to their facility, daily back-up of main-frame,network monitoring tools, password policy, firewalls, encrypted tunnel via VPN to their network, anda disaster recovery plan that includes a warm site for critical business system, were found acceptableby KPMG.

REFCO has contracted with PGA to provide the optional benefits to REFCO members. PGA states thatphysical files are kept locked in locked offices. Electronic files are stored on an in-house secureserver. Access to the electronic files requires two passwords. Access to either the physical files orthe server is limited to those with “a need to access customer files” have been granted access tothem. A back-up of the electronic files is maintained on a secure drive in a safe located offsite of thephysical location of the server.

Security information on the proposed SACRS sponsored dental plan through CIGNA Healthcare is notcurrently available. FCERA will carefully review security protocols before initiating a deduction withCIGNA Healthcare.

The confidential data file exchange that will occur between FCERA, the vendors (VSP, PGA, andCIGNA Healthcare) and FCERA’s disbursement bank, includes encrypting the files with one of thehighest encryption levels and transmitting the files via secured connections and servers.

FCERA is comfortable with the level of security that the vendors provide for their informationsystems and we believe that they maintain industry standards for monitoring, back-up, and security.

In addition, the vendors and/or their third party print/mail shop will sign confidentiality agreementsconfirming their agreement to keep the mailing information confidential and not sell it to or share itwith any third party, whether affiliated or not.


Recovery upon death of participantFCERA staff will immediately notify the vendors upon the death of a member participating in eitherprogram to ensure timely elimination of the deduction. Currently, FCERA requests the return of the“net check” from the bank or estate of the deceased recipient. Sometimes, this means that FCERA isout of pocket insurance premiums, REFCO membership dues and taxes until returned by therespective agency. Recovering insurance premiums is not always possible, resulting in losses toFCERA.

If FCERA were to request the return of the gross check (less taxes) from the estate, the vendorswould be responsible for forwarding recovered premiums to the participant’s estate. This wouldresult in less processing and costs to FCERA.

Cost to set up and monitorFCERA will incur some costs to set up these authorized deductions. In addition to the time spent inresearching the opportunity and meeting with representatives of the programs, staff time will beused to set up the file transfer that will initiate the deduction. This is a one-time cost that will recuranytime FCERA changes disbursement banks. We anticipate 20 hours of staff time.

Additionally, staff time will be used to create an initial and annual mailing data base of all retiredmembers that will be used to notify members of these opportunities. Each program has its own“opt in” parameters, specifically at retirement and then at least annually thereafter. The cost of themailers will be borne by the vendors. We anticipate 2 hours per year of staff time.

FCERA will incur staff time to forward and approve a “change file” (list of deduction adds anddeletes) to the disbursement bank each month. A separate file will be created for each vendor. Thisis the same process used to modify the insurance deduction for members that participate in theCounty’s health insurance program. In addition, FCERA staff will copy and forward the deductionlisting to each vendor. We anticipate 1 hour per month of staff time.

FCERA may incur a cost to set up a deduction and issue and mail a check to each vendor. There willbe no additional charges with the current bank, but future contracts may result in additional costs.The bank will charge less than $2 per check issued each month to the three vendors, or less than $6.

FCERA will incur staff time to include the optional benefit information in the retirement packet andmention it during counseling sessions, retirement workshops, and retirement seminars and updatelinks on FCERA’s website as needed. We anticipate this will have minimal impact on the process, lessthan 5 minutes per member. Benefit information will be provided by the vendors to be included withthe retirement packet.


Participant NotificationEach vendor will provide information to the participants via a separate mailing. We believe thatthere will be some confusion specifically due to the vision and dental care offered by both SACRS andREFCO. It will be incumbent upon the participants to carefully read the promotional information andspeak with representatives of the programs to determine which program is best suited to theirsituation. FCERA staff will not discuss the program, premiums, or offerings with members.

FCERA will obtain written confidentiality agreements from each vendor. FCERA will then provide afull listing of benefit recipients to each vendor or their third party print/mail firm so that informationcan be provided to all FCERA benefit recipients notifying them of the benefit. FCERA will have theopportunity to review and approve the announcements prior to distribution.

VSP and PGA will provide information packets to FCERA for inclusion in retirement packages. FCERAand vendors will work with Northern Trust, FCERA’s disbursement bank, to set up and test thededuction files that will update participant payment records for the premium. Deductions cannot bestarted without the written authorization of the participant. Thus, FCERA staff will need to confirmall adds to the deduction files. Similar procedures will be established with CIGNA Healthcare once itis ready to implement.

FiscalandFinancialIm pactsUsing an average hourly salary and benefits amount for full-time staff of $40.42 (FY2015-16 salaryrequest $2,522,120) divided by budgeted full time hours (30 positions times 2,080 hours), weanticipate the per vendor initial set up to cost $808 ($2,424 one-time costs for three vendors) andon-going costs of $566 per year plus $24 per year ($1,770 per year for the three vendors) to issue thechecks.

Statutes do allow the collection of a reasonable charge for deductions to participants’ retirementbenefits. FCERA has not imposed such a fee in the past and does not recommend doing so at thispoint.

R ecom m endedA ction(s)1. Adopt the attached resolution, without charge, authorizing retiree payroll deduction under

Government Code Section 31452.5(a)(3) for premiums for vision and dental care programssponsored by SACRS for the benefit of the retired member or his or her dependents.

2. Adopt the attached resolution, without charge, authorizing retiree payroll deduction underGovernment Code Section 31452.5(a)(10) for payment for a retiree benefit program availablethrough REFCO and payable to a single party designated by REFCO.


A lternativeR ecom m endedA ction(s)1. Adopt the attached resolution, with fee language, authorizing retiree payroll deduction under

Government Code Section 31452.5(a)(3) for premiums for vision and dental care programssponsored by SACRS for the benefit of the retired member or his or her dependents.

2. Adopt the attached resolution, with fee language, authorizing retiree payroll deduction underGovernment Code Section 31452.5(a)(10) for payment for a retiree benefit program availablethrough REFCO and payable to a single party designated by REFCO.

3. Direct staff to return with a recommended fee to be charged participants for optionaldeductions.

4. Delay adoption of any options and direct staff to return with additional information.

A ttachm ent(s)1. Resolutions (4 Versions: SACRS and REFCO Deduction Resolutions without a fee, SACRS and

REFCO Deduction Resolutions with a fee)2. Program Overview – SACRS VSP3. Program Overview – REFCO Pacific Group Agencies, Inc.

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BEFORE THE BOARD OF RETIREMENT

OF THE FRESNO COUNTY EMPLOYEES’ RETIREMENT ASSOCIATION

FRESNO COUNTY, CALIFORNIA

IntheM atterofAuthorizingR etireeP ayrollDeductionsfortheP aym entofR etireeBenefitsAvailableT hroughtheR etiredEm ployeesofFresnoCounty

)))))

RESOLUTION

WHEREAS,Governm ent Code section 31452.5 authorizesthe R etirem ent Board to give

effect to arevocable w ritten authorization signed by aretired m em berorbeneficiary ofa

retired m em berentitled to aretirem ent allow ance orbenefit to deduct aspecified am ount

from theretirem entallow anceorbenefitpayableforavariety ofallow ed purposes;and

WHEREAS, Governm ent Code section 31452.5(a) (10) authorizesadeduction forany

retireebenefitprogram savailablethroughtherecognizedretireeorganization;and

WHEREAS,R etired Em ployeesof Fresno County (R EFCO ) isthe recognized retiree

organizationforFCER A;and

WHEREAS, the Retired Employees of Fresno County (R EFCO )hascontracted w ith P acific

GroupAgencies,Inc.toofferavariety ofoptionalbenefitstom em bersofR EFCO ;and

WHEREAS,the R etirem ent Board w ishesto m ake these program savailable to retired

m em bersand their beneficiariesof the Fresno County Em ployees’ R etirem ent Association

(FCER A);

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NOW, THEREFORE BE IT RESOLVED thattheBoard ofR etirem entofthe Fresno County

Em ployees’ R etirem ent Association hereby authorizes retired m em bers of FCER A, or

beneficiariesofretired m em bersentitled to retirem ent allow ancesorbenefitsfrom FCER A,to

direct paym ent ofprem ium sforthe acquisition ofoptionalbenefitsoffered by R EFCO upon

delivery ofarevocable w ritten authorization signed by the m em berorbeneficiary to FCER A;

andthatsuchrevocablew rittenauthorizationw illbem aintainedby FCER A.

AND, THEREFORE BE IT FURTHER RESOLVED thattheBoard ofR etirem entoftheFresno

County Em ployees’ R etirem entAssociation hereby directsthatsuch deductionsw illbe allow ed

w ithoutadditionalchargeby FCER A tothem em bersorbeneficiariesrequestingthedeductions,

subjecttofurtherreview andactionby theBoard ofR etirem ent.

Adopted at a regular m eeting of the Board of R etirem ent of the Fresno County

Em ployees’ R etirem entAssociation,heldonthe_____ day of____,2015,by thefollow ing

vote,tow it:

Ayes:

N ays:

Absent:

Abstain:

BO AR D O FR ET IR EM EN T

By:____________________________S tevenJ.Jolly,Chair

Attest:

____________________________DonaldC.Kendig,CP A,S ecretary

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IntheM atterofAuthorizingR etireeP ayrollDeductionsfortheP aym ent foraR etireeBenefitsAvailableT hroughtheR etiredEm ployeesofFresnoCounty

)))))

RESOLUTION





WHEREAS, Governm ent Code section 31452.5(a) (10) authorizesadeduction forany

retireebenefitprogram savailablethroughtherecognizedretireeorganization;and

WHEREAS,R etired Em ployeesof Fresno County (R EFCO ) isthe recognized retiree

organizationforFCER A;and

WHEREAS, theR etired Em ployeesofFresno County (R EFCO )hascontracted w ith P acific

GroupAgencies,Inc.(P GA)toofferavariety ofoptionalbenefitstom em bersofR EFCO ;and



(FCER A)throughpayrolldeduction;

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direct paym ent ofprem ium sforthe acquisition ofoptionalbenefitsoffered by R EFCO upon

delivery ofarevocable w ritten authorization signed by the m em berorbeneficiary to FCER A;

andthatsuchrevocablew rittenauthorizationw illbem aintainedby FCER A.



w ith an additionalchargeby FCER A tothem em bersorbeneficiariesrequestingthedeductions,

nottoexceedactualcosts,subjecttofurtherreview andactionby theBoard ofR etirem ent.



vote,tow it:

Ayes:

N ays:

Absent:

Abstain:



Attest:

____________________________DonaldC.Kendig,CP A,S ecretary

Disclaimer ~ Supplemental Benefits for REFCO Members Page 1 of 2

REFCO Home Supplemental Benefits for REFCO Members

Disclaimer

Supplemental D ~ sc I a i m e rBenefits

Dental PPO This site contains summaries and highlights of the plans

Dental HMO available. Certain wording has been shortened due to

space limitations. Every attempt has been made tovision

ensure the wording is accurate and factually representsLegal Shield the coverages; however, mistakes can occur. This site is

ID Theft Shield not a Certificate of Insurance and nothing contained

Personal Accident herein, either written or implied, will change the terms of

with Secure Travel the Certificates of Insurance. Additional exclusions,

Comprehensive limitations, and eligibility requirements may apply.Travel

Insurance carriers have the right to change the ~ rules,PPO Pet

regulations, terms of coverage, availability, andHMO Pet guidelines that are placed on the application, policies, andHome and Auto enrollment at any time. Rates change periodically

HearPO depending on the carrier, open enrollment for the carrier,

and the type of available insurance products.Life Insurance

Questions This website contains summaries and highlights of the

plans available. Every attempt has been made to ensure

the wording on this website is accurate and factually

represents the coverages being offered; however,

mistakes can occur. This website is not a Certificate of

Insurance and nothing contained herein, either written or

implied, will change the terms of the Certificates of

Insurance. Additional exclusions, limitations, and

eligibility requirements may apply. For all plans, please

refer to the Certificates of Insurance for the specifics on

what is or is not covered.

http://pgagencies.com/portal/refco/disclaimer/ 7/7/2015

Disclaimer ~ Supplemental Benefits for REFCO Members Page 2 of 2

An individual cannot assume they have effective

insurance coverage even if they have submitted an

application. An individual cannot assume that they have

coverage until the carrier has sent the individual a

verification of coverage with the appropriate effective

date.

It is the responsibility of the member to contact us

regarding any change in their status that affects the

ability to be insured under any of these plans. It is also

the responsibility of the member to confirm that they

have been enrolled in the correct plan and it is suitable

for their needs. Members must maintain membership

status in REFCO in order to retain these benefits. Failing

to maintain membership in REFCO may result in the

termination of your coverage. Coverages may be

terminated should your retirement check, checking

account, or credit card deduction stop for any reason.

These benefits are offered and administered through an

independent broker, Pacific Group Agencies, and not

REFCO. In promoting the health, well-being, happiness,

and continued productivity of its members, REFCO has

endorsed the offering of these benefits, but REFCO itself

does not provide or administer any of these benefits, nor

does REFCO receive any financial compensation for their

sale.

Pacific Group Agencies, Inc., CA License 0078489.

http://pgagencies.com/portal/refco/disclaimer/ 7/7/2015

Dental PPO ~ Supplemental Benefits for REFCO Members

REFCO Home

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SupplementalBenefits

Dental PPO

Dental HMO

Vision

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Personal Accidentwith Secure Travel

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PPO Pet

HMO Pet

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Supplemental Benefits for REFCO Members

~.

~~

Dental PPO

AmeritasPPO Dental

Americans Spend Over $100 Billion on

Dental Care Each Year.

Good oral health and visiting a dentist regularly is

extremely important in maintaining your overall health

and wellbeing. Dentists not only check your teeth, but

they can spot oral manifestation of serious medical

illnesses such as heart disease, diabetes, respiratory

infection, and oral cancer. Yet, despite the significant

health benefits of having routine dental care, almost 40%

of seniors fail to visit a dentist at least once during the

year. The #1 reason is due to the cost.Home and Auto

HearPO •This full service Ameritas dental plan provides a

Life Insurance X1,500 calendar year benefit and covers 360+

procedures from routine to the major, includingQuestions preventative care, crowns, dentures, and implants.

• Ameritas rewards members for maintaining their

dental health. Visit a dentist at least once during the

year and Ameritas will increase your in-network

benefit for Basic Services 5% each year, up to 85%

tots I !

• With the unique Ameritas Dental Rewards° benefit,

members who use less than $750 of their annual

benefit will automatically have up to an additional

$400 per year banked by Ameritas for the member's

future use.

http://pgagencies.com/portal/refco/dental-ppo/ 7/7/2015

Dental PPO ~ Supplemental Benefits for REFCO Members Page 2 of 4

• This PPO plan allow you to see any dentist, but if

your dentist belongs to the Ameritas network, there

are significant cost savings benefits including:

Ameritas network dentist rates are greatly

discounted -typically saving you an additional

25% - 35% off the regular ~~street" rates.

Higher network benefits when seeing a network

dentist.

Ameritas has over 268,000 providers nationwide. It is the

largest nationwide dental network! You could save

hundreds of dollars a year by visiting an in-network

dentist.

Search for Network providers in your area at:

www.AmeritasGroup.com

Non-

DescriptionNetwork NetworkProvider

Provider*

Calendar Year Benefit $1,500

$400 Per Year $250 Per Year

Dental Rewards°Up To $1,000 Up To $1,000

PREVENTATIVE

SERVICES

Cleanings (1 per 6

months), Routine & 100% 80%

Comprehensive Oral

Evaluations, Bitewing

X-Rays, &Fluoride.


Dental PPO ~ Supplemental Benefits for REFCO Members Page 3 of 4

BASIC SERVICES 7500 _ 1St 75%

Fillings, Simple Year

Extractions, Periodontal nd

Maintenance, Panoramic $~% — 2

X-Rays, Denture RepairYear

& Reline, Recement, 85% _ 3rd

Biopsy, Sealants, &Year

Emergency Pain Relief.

Benefits

Increase

Annually

MAJOR SERVICES**

Crowns, Implants,

Periodontics,

Endodontics, Root

Canals, Bridges,

Dentures, Complex 50% 50%

Extractions, Anesthesia,

Bone Augmentation,

Inlay Restorations, Onlay

Restorations, Crown

Repair, Bridge Repair, &

Space Maintainers.

Calendar Year Deductible$50 /Person $75 /Person

Waived for Preventative

*Benefits are paid at the Ameritas contracted rate.

**12-month waiting period unless currently covered under

another insurance plan.


Dental PPO ~ Supplemental Benefits for REFCO I~lembers Page 4 of 4

Ameritas Dental PPO Monthly Premium

Retiree Only $49

Retiree +Spouse /Domestic Partner

or Child X98

Retiree +Family $135


Dental HMO ~ Supplemental Benefits for REFCO Members

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Dental PPO

Dental HMO

Vision

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Cigna Dental HMO,+,. ~, ~. ai.

~, The #1 reason seniors avoid going to

•- the dentist is cost. With the(~,

Dental HMO comprehensive Cigna HMO plan, a wide

range of coverage is provided at

extremely affordable rates. Coverages from the routing

cleaning all the way to crowns, dentures, and implants is

covered. There is no waiting period for any covered

service and there are no annual benefit maximums.

Comprehensive .This full service Cigna HMO dental plan covers 380+Travel

procedures from routine to the major, includingPPO Pet

preventative care, crowns, dentures, and implants.HMO Pet Whether your teeth are in excellent health or require

Home and Auto work, this plan will have you covered.

HearPO • No cost surprises. Every covered procedure has a set

co-pay, so you will know exactly how much youLife Insurance

everything will cost before having any work done.questions No set annual benefit maximum. Whether you only

require a routine cleaning or you need multiple

crowns and an implant, you will never run up against

a calendar maximum dollar benefit like PPO plan

have.

• All services are available from your first day of

coverage. There is no waiting period for any covered

service. Whether it's just a cleaning or an implant, all

covered services are available beginning your first

day covered by the plan.

• The nationwide Cigna network is comprised of highly

qualified dentists that are pre-screened and

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Dental HMO ~ Supplemental Benefits for REFCO Members Page 2 of 4

thoroughly evaluated prior to their acceptance as a

Cigna dentist. Selecting a dentist who meets your

needs and expectations is a decision that is too

important to make without careful consideration and

Cigna has prescreened all their network dentists for

you.

You can search for HMO providers in your area at:

http://cigna.benefitnation.net/cigna/docdir.aspx

The following is a list of procedure types and the member

co-pay under the Cigna HMO plan.

Procedure Type Member Co-Pay

Oral Evaluations $0

X-Rays $0

Prophylaxis (Cleaning) $0

Resin Filling $0

Root Canal (Anterior) $30

Extraction of Erupted Tooth $0

Porcelain Inlay $50

Porcelain Onlay $50


Dental HMO ~ Supplemental Benefits for REFCO Members Page 3 of 4

Periodontal Maintenance $15

Scaling and Root Planing $15

Porcelain Crown $50

Denture $100

Denture Repair $10

Biopsy $0

Anesthesia $0

Post &Core $25

Surgical Placement of Transosteal ~g50

Implant

Gingivectomy $35

Removal of Lesion or Cyst $0

Abutment $355

Desensitizing Medication $15


Dental H1~10 ~ Supplemental Benefits for REFCO Members Page 4 of 4

Note: Procedure Type has been condensed and modified

into ~~plain English". Multiple procedures may be grouped

under a single procedure type and your specific dental

procedure may have a different co-pay than the one

listed above. You will receive a Patient Charge Schedule

prior to your coverage becoming effective and it will list

the co-pays for all 380+ procedures.

Cigna Dental Monthly Premium

Retiree Only $26

Retiree +Spouse /Domestic Partner or X48

Child

Retiree +Family $85


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REFCO Home

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Dental PPO

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vision

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ComprehensiveTravel

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HearPO

Life Insurance

Questions

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,+r M

~~

~~Vision

VSP Vision Plan

Having an annual eye exam is crucial to

helping you maintain your overall health

and wellness. Eye exams are not only

used to detect eye diseases such as

cataracts and glaucoma, but they can also detect signs of

serious health conditions, like hypertension,

cardiovascular disease, diabetes and high cholesterol,

that can easily go unnoticed by you. Whether you have

naturally good vision or have had corrective surgery, an

annual eye exam is still vital to your overall care.

VSP allows you to see any provider, but using a VSP

Choice network provider will provide you the highest

benefits and lowest costs. The nationwide VSP network

has over 50,000 points of access, all of which provide

both eye exams and eyewea r.

Search for local VSP Choice Network providers at:

www.VSP.com

Network Non-NetworkDescription

Provider Provider

Examinations 100% Covered $45

Single Vision Lens 100% Covered $30

http://pgagencies.com/portal/refco/vision/ 7/7/2015

Vision ~ Supplemental Benefits for REFCO Members Page 2 of 3

Bifocal Lens 100% Covered $50

Trifocal Lens 100% Covered $65

Lenticular Lens 100% Covered $100

Contact Lens

Medically 100% Covered $210

Necessary

Contact Lens$120 $105

Elective

Frames $120 $70

Deductible:$10 / $25

Exam /Material

Frequency:

Exam /Lens / 12 / 12 / 24

Frame

VSP Vision Monthly Premium

Retiree Only $9.50

Retiree +Spouse / Domestic Partner $19.00

or Child


Vision ~ Supplemental Benefits for REFCO Members Page 3 of 3

Retiree +Family $28.00


Legal Shield ~ Supplemental Benefits for REFCO Members

REFCO Home

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Dental PPO

Dental HMO

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Legal Shield

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ComprehensiveTravel

PPO Pet

HMO Pet

Home and Auto

HearPO

Life Insurance

Questions

Page 1 of 6


Legal ShieldProfessional Legal Advice on All

Matters from the Trivial to the

Traumatic for Less Than 50~ a Day

What if you had unlimited access to attorneys to handle

life's complications and weren't charged for their time?

Daily life should be simple, but rarely is, and the routine

can quickly become complicated. In an ideal world, legal

review would be routine, but we don't live in an ideal

world and we make excuses for not seeking legal advice.

There is no doubt that the legal world can be confusing,

complicated, and can be downright frightening. Many

people give up rather than take appropriate action

against those that have caused them harm. When a

problem arises, we tend to feel that it is easier to pay out

of pocket to fix the problem and that it's not worth the

cost of hiring an attorney or the hassle for us to file a

small claims court suit.

With Legal Shield, you will join the 1.4+ million members

that have access to thousands of quality attorneys

nationwide. Whatever issue you are dealing with, Legal

Shield will have an attorney experienced in that area of

law contact you within 8 business hours.

How Legal Shield will benefit you:

Will. Approximately 70% of Americans don't have a Will.

This is a staggering statistic considering the benefits of

having a Will include:

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Legal Shield ~ Supplemental Benefits for REFCO Members Page 2 of 6

Protecting your assets from probate and intestacy laws

and avoiding the costly and time consuming probate

court. Without a Will, your assets are at the mercy of

your state's probate laws, not how you would divide and

gift your assets.

If you are not married, but are in a committed

relationship, you can ensure your partner is provided for.

A Will gives you the control to name your beneficiaries

and determine who you would like to gift your property

to.

Peace of mind knowing your assets are protected and

your loved ones will be taken care of when you are no

longer here.

With Legal Shield, the member receives a Will and yearly

updates at no cost. Spouses and dependents can receive

a Will or update for only $20.

Phone Calls and Letters. We've all been in situations

where we feel a person or company has taken advantage

of us and our calls and letters do not resolve the

situation. Perhaps it was a retail store that won't accept a

return of defective merchandise, or a repairman won't

stand behind his work, or a merchant refuses to honor a

low price guarantee. Without Legal Shield, you're left to

deal with these situations alone and your letters and calls

will likely go unanswered.

With Legal Shield, an attorney will write a letter or make

a phone call on your behalf at no cost to you. When the

other party sees that you have legal representation, they

know you are serious and will work to get the situation

resolved.

Contract and Document Review. While we all say that we

would never sign anything without reading it, the reality

is that many of us will only skim a document before

signing it. Even if we did read everything, would we

understand what all the fine print legal jargon actually

meant?



Ever signed a cell phone contract and when the first bill

arrives, you noticed a bunch fees that were never

disclosed? Ever booked a hotel room with a view and

arrived to find out the view is that of the trash dumpster?

Ever have a landlord refuse to return your cleaning

deposit?

With Legal Shield, you can have an unlimited number of

personal legal documents, up to ten pages each, reviewed

and explained to you in plain English by your attorney at

no cost to you. The attorney will also suggest any

changes they deem necessary. If the other party has

acted improperly, the attorney can contact them on your

behalf to get the issue resolved.

IRS Audit Protection. We all know that feeling when

seeing a letter from the IRS. Hoping and praying that it's

just some random information and not notification that

we're being audited. Unfortunately, 1,481,966 people last

year were not so lucky and they were audited by the IRS.

For those who think that only the wealthy get audited,

over 80% of audits were done to households making less

than $50,000 per year.

With Legal Shield, when you are notified of an audit by

the IRS, you have immediate access to consultation,

advice, and assistance at no cost to you. You can receive

at no additional cost, up to 50 total hours of your

attorney's time to help defend the audit.

Motor Vehicle Services. Owning a vehicle creates the

potential for many different problems. We have all

experienced minor accidents where we let our insurance

company sort out the issue with the other party.

However, who do you turn to if your car is vandalized in a

parking lot? What if items are missing from your car after

it being valet parked or run through the car wash? What if

a car nicks your car while it is parked on the street? What

if a car nicks your car while it is parked on the street and

the other driver is claiming it is your fault based on how



you parked? And the police issue YOU a citation! And your

insurance company wants to raise your premiums

because of this! Incidents and accidents happen and

whether you were the at fault party or not, having an

attorney on your side can be crucial.

With Legal Shield, your attorney will be there to help you

deal with your insurance company. They will be able to

put you in a position of knowledge regarding the law and

your rights and may be able to file a lawsuit on your

behalf. If the unthinkable happens and you are involved

in a fatal car accident and charged with manslaughter,

involuntary manslaughter, negligent homicide, or

vehicular homicide, your attorney will defend you, no

matter how long it takes.

Trial Defense. There is no doubt that the United States is

a litigious country. We have more lawyers per capita than

any other county. A new civil lawsuit is filed once every 2

seconds in this country. Whether the suit has merit or is

frivolous, lawsuits can cause tremendous emotional and

financial stress.

With Legal Shield, if you or your spouse is named as a

defendant in a covered civil or criminal action, your

attorney will provide up to 60 hours of defense at no

additional cost to you.

Know Your Legal Rights. Understanding your rights is the

first step in resolving any issue. Whether it's personal,

business related, criminal, or anything in between, you

need to know your rights. The other side likely knows

their rights -especially if they have legal representation,

but will you know your rights?

With Legal Shield, access to no cost, quality, convenient,

legal help is only atoll-free phone call away.

Many people may feel that they will not need legal

counsel and honestly, not every legal matter requires the


Legal Shield ~ Supplemental Benefits for REFCO I~Zembers Page 5 of 6

use of an attorney. However, a recent American Bar

Association survey showed that 71% of US households

had experienced an event during a 12 month period that

might have led them to hire a lawyer. Yet, it's no surprise

why only a small percentage of those households actually

contacted an attorney. A recent Legal Needs Study found

that the average rate charged by attorneys was $284 per

hour.

How often would you use an attorney's services if there

was no cost? Of Legal Needs Study respondents with a

legal benefits plan, 70% said they use the service 4 or

more times per year.

For less than 50~ per day, you will have no cost, full

unlimited access to the Legal Shield network of attorneys,

so that when an issue arises you will have a person who

will truly understand the extent of your situation and will

be versed in the legal aspects. You won't have to take

matters into your own hands and leave things to chance

like how to properly file court documents and handle

other legal procedures, or how to properly obtain

evidence to support your case, or to challenge and/or

suppress evidence from the other side. And best of all,

you won't have to pay several hundred dollars per hour

for their services.

For issues, such as pre-existing conditions, which are not

covered by your Legal Shield plan, your attorney will

provide services to you at a 25% discount off their

regular rates. Regular rates vary depending on the

complexity of the issue.

Legal Shield Monthly Premium

Retiree &Family ~ $14.95


Legal Shield ~ Supplemental Benefits foi- REFCO Members Page 6 of 6

Add 24/7 Access Coverage for $1 more.

Have 24-hour access to an attorney if you're ever

arrested or detained, injured in a motor vehicle

accident, confronted with the state taking your children,

or served with a warrant.


ID Theft Shield ~ Supplemental Benefits for REFCO Members Page 1 of 3

i~

REFCO Home

Disclaimer


Dental PPO

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Legal Shield

Identity TheftShieldIdentity Theft Tops Federal Trade

Commission List of Consumer

Complaints for 13th Consecutive Year!

ID Theft Shield Last year, there were about 370,000 home fires and most

Personal Accident people wouldn't think about going without homeowners

with Secure Travel insurance. Yet there were over 12,600,000 instances of

Comprehensive identity theft, but most people never think about having

Travel protection against identity theft or coverage for the costs

PPO Pet of repairing your credit.

HMO Pet Identity Theft is one of the most prevalent types of fraud

Home and Auto that affects seniors and it is only getting worse.

HearPO Unfortunately, most seniors don't find out that they are

victims of identity theft until it is too late and the damageLife Insurance

has been done.Questions


Identity Theft Shield, offered through Kroll, the world's

leading independent risk consultant, gives you the ability

to understand your credit score and to protect your

identity and good name. Unlike most credit monitoring

programs, Identity Theft Shield's proactive approach not

only provides expert consultation on how to prevent

identity theft, but also provides comprehensive

restoration of your identity should a breach occur.

There are two Identity Theft Shield plans available to help

protect and restore your credit and good name. The

Standard Plan and the Premium Plan.

http://pgagencies.com/portal/refco/id-theft/ 7/7/2015


Identity Theft Shield STANDARD Plan coverage

includes:

Credit Report from up-to-date data provided by

Experian, the leading credit reporting bureau.

Personal Credit Score with a detailed analysis of your

personal credit score with your first credit report.

Continuous Monitoring of your Experian credit file with

email alerts for any activity on your credit file.

Comprehensive Identity Restoration Service experts

will perform comprehensive ID restoration services on

your behalf, should you face an identity theft issue. They

will customize the solution and work on your behalf to

correct identity theft issues with affected agencies and

institutions. Fraud alert notifications will be sent to all

three national credit repositories for seven years and

proactive searches of local and national databases will be

conducted for any activity in your name that you may not

be aware of. Regardless of the length of time to

complete, your Identity Restoration Service expert will

work to resolve the identity theft issues and restore your

identity to pre-theft status.

Identity Theft Shield PREMIUM Plan coverage

includes all the benefits of the Standard Plan as

well as:

Triple Bureau Credit Monitoring and Activity Alert

In addition to Experian, both Equifax and TransUnion

credit reports will be monitored continuously and you will

receive an email alert if any activity occurs.

Web Watcher

The web is monitored daily for unauthorized use of your

Social Security and credit/debit card numbers, &other

personal information.



Public Persona

Monthly monitoring of any changes to Social Security

Number or address history associated with your name.

Sex Offender Search

Sex offender databases are searched to detect the

location of sex offenders and whether a member's

address has been used by a registered sex offender.

Social Security Number Skip Trace

34,000,000,000 (34 billion) public records are searched

to detect potential fraud using your Social Security

Number.

Lost Wallet/Purse Assistance

When your wallet or purse is lost, you could spend days

contacting all the credit card companies or getting

replacements for your IDs. Kroll provides help with

canceling and replacing cards and IDs and with placing

fraud alerts.

Identity Theft Monthly Premium

Standard Plan Premium Plan

Retiree &Spouse: $12.95 Retiree &Spouse: $24.95

Receive a $3 discount Receive a $5 discount when

when purchased in addition purchased in addition to

to Legal Shield Legal Shield


Personal Accident ~~ith Secure Travel ~ Supplemental Benefits for REFCO Members Page 1 of 2

~,.

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_~

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Personal Accident& Secure TravelThis coverage incorporates traditional

Personal Accidental Death &

Dismemberment benefits with a unique

Secure Travel rider. The Secure Travel rider kicks in and

provides special travel protection benefits when you are

traveling 100 miles or more from home.

Comprehensive Personal Accident Protection is available up to

Travel $500,000 for the member. Spouse / Domestic Partner

PPO Pet and dependent child coverage is also available.

HMO Pet Additional benefits may include:

Home and AutoUp to $25,000 for Home Alteration &Vehicle Modification.

HearPO

Life Insurance Up to $10,000 for rehabilitation expenses.

Questions Up to $37,500 for wearing a seatbelt and having a

properly functioning airbag.

Secure Travel Protection provides these following

special benefits:

• Medical Evacuation

• Legal Assistance

• Lost or Stolen Item Assistance

• Prescription Refill Assistance

• Medical &Dental Referrals

• Pre-Trip Planning

• Translation Services

http://pgagencies.com/portal/refco/personal-accident-w-ith-secure-travel/ 7/7/2015

Personal Accident with Secure Tray-el ~ Supplemental Benefits for REFCO Members Page 2 of 2

• Emergency Cash Advances

• Repatriation

• Bail Bond Posting

• Emergency Message Relays

• 24 Hour Availability

Personal Retiree &

Accident Retiree Monthly

Family Monthly

Benefit Premium

premium

$100,000 $4.90 $6.60

$200,000 $9.80 $13.20

$300,000 $14.70 $19.80

$400,000 $19.60 $26.40

$500,000 $24.50 $33.00

Spouse /Domestic Partner benefit is at 50% of member

benefit (40% if any child is covered). Child benefit is 10%

of member benefit (15% if you are a single parent) -max

$30,000. Age reduction applies: Age 70: 65%; Age 75:

45%; Age 80: 30%

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Comprehensive Travel ~ Supplemental Benefits for REFCO Members

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Travel InsuranceTrip Cancellation or Interruption and

Medical Coverage Available

A vacation is supposed to be a personal

reward to yourself for all your hard work. To provide you

will stress relief, relaxation, and quality time with loved

ones. However, when it comes to travel, the unforeseen

can happen without warning and can be very costly.

Comprehensive The sudden illness of a traveling companion or familyTravel

member, a natural disaster, inhospitable weather, orPPO Pet terrorism alters your traveling plans. Instantly, all the

HMO Pet money paid for a vacation vanishes. Travel insurance is

Home and Auto there to provide you peace of mind against the

unexpected.Hea rP0

Life Insurance Travel Guard comprehensive travel insurance is

questions customizable to meet your needs. Whether you're going

on a cruise, wildlife safari, resort vacation, tour package,

or just a quick self-booked trip, travel insurance can

protect you for a variety of circumstances. Coverage is

available for:

• Trip Cancellation to cover prepaid, nonrefundable

expenses.

• Missed Connection coverage for flight change fees or

transportation costs required to meet a missed

connection.

• Trip Interruption can pay for travel arrangements to

return home.

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Comprehensive Tra~-el ~ Supplemental Benefits for REFCO Members Page 2 of 2

• Medical coverage for bills if you become sick or

injured. Medicare and most insurance does not cover

you outside the US.

• Emergency evacuation to the nearest appropriate

care facility.

• Baggage Delay/Loss coverage.

• Travel Delay covers flight delay, etc.

Comprehensive Travel Insurance

Rates are based on cost of trip and age of traveler.

Age Approximate Cost of Insurance

65 7% of Trip Cost

70 9% of Trip Cost

75 11% of Trip Cost

80 15% of Trip Cost

Visit Travel Insurance for a quote or call us for

assistance (800) 511-9065.

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~,

~`

~''~t~l~PPO Pe#insurance

PPO PetInsurance

Available for Dogs, Cats, Birds, &Exotic

Animals

We spend over $55 billion per year to take care of our

cuddly companions. As pet parents, we want to provide

them with the best possible care. Unfortunately, from a

routine check-up to an unexpected illness or accident, vet

bills can add up quickly.

With VPI, the nation's oldest pet insurance company, you

can have coverage for both the routine, as well as the

unexpected vet bills. Instead of worrying about the cost,

you can focus on what is really important, following your

vet's recommended course of treatment.

Life Insurance Multiple plans are available for your specific needs and

Questions benefits are paid on a set benefit schedule. You may see

any vet or specialist.

Major Medical Plan Comprehensive is a safety net for big

vet bills, with the most comprehensive protection and

highest level of benefits.

Medical Plan Economical provides coverage for accidents,

emergencies, illnesses, and ongoing conditions at great

value.

Injury Plan provides low-cost coverage for injuries only

(like poisonings and broken bones), but not medical

conditions.

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PPO Pet ~ Supplemental Benefits for REFCO Members Page 2 of 2

Feline Select0 Plan is affordable coverage designed for

cats and covers accidents &illnesses, including coverage

for the 15 most common cat conditions, without the

expense of a comprehensive plan.

Wellness Plans may include coverage for exams,

vaccinations, FeLV/FIV, heartworm, fecal tests, urinalysis,

dental cleaning, spay/neuter, deworming, nail trim,

microchip implant, health certificate, flea / heartworm

control, blood test, x-ray, or EKG.

Est. MonthlyVeterinary Pet Insurance Plan

Premium

Major Medical Plan $24

Comprehensive

Medical Plan Economical $19

Injury Plan $11

Feline Select Plan $11

Wellness Plans $13-$24

For more information or to enroll at the discounted REFCO

rates, call VPI directly at (877) 738-7874 and mention

you are a REFCO member or visit:

www. peti n su ra nce. com / refco

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,~ ~ `_ ,~,~

HMO PetInsurance

HMO Pet Care

by United Pet Care

Available for Dogs, Cats, Birds, Rabbits,

Ferrets, Pocket Pets, &Reptiles

United Pet Care is a veterinary discount program. Unlike

some pet insurance plans, all pets are eligible for

coverage regardless of age and pre-existing or breed

specific conditions. Pet owners are guaranteed instant

savings of 20%-50% off office visits, exams, surgery,

hospitalization, vaccines, spaying/neutering, diagnostics,

radiology, dentistry, and all other preventative and sick

care procedures. Medication is also discounted 20%-25%.

Home and Auto Saving money with United Pet Care is easy. There are no

HearPO deductibles, no claim forms to fill out, no waiting periods,

Life Insurance no exclusions or higher rates for pre-existing conditions,

Questions no limit on the number of vet visits, and most

importantly, no hassles. Your pet may enroll regardless of

their age or medical condition.

Pet parents select from a network of conveniently located

veterinary providers. The network is nationwide and has

well over 1,800 quality vets to choose from. You start

saving money from day one!

Members will also receive discounts at numerous pet

places including those for: Pet Foods, Natural Foods,

Grooming, Accessories, Products, Supplies, Boarding

Kennels, Doggie Daycare, Pet Sitting, Dog Walking,

Training-Obedience, Herbs, Supplements, &Medications.

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HMO Pet ~ Supplemental Benefits for REFCO Members Page 2 of 2

Participating Providers in Fresno County Area

Alta Animal Hospital

585 W Shaw Ave

Clovis, (209) 298-6509

Pet Medical Center and Spa

621 W Fallbrook Ave

Fresno, (559) 436-4444

New Village Pets

9240 S McCall

Kingsburg, (559) 896-5300

Kings River Vet Hospital

819 I St

Reedley, (559) 638-8252

United Pet Care Monthly Premium

1 Pet $8.75 - $10.60

2 Pets $16.60 - $20.20

3 Pets $24.30 - $29.60

To enroll or for more information: Call United Pet Care at

(888) 781-6622 and mention you are an REFCO member

or visit: www.unitedpetcare.com/refco

http://pgagencies.com/portal/refco/hmo-pet/ 7/7/2015

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Home and Auto

Liberty MutualHomeowners, Car, Renters,

Condominium, Landlord, Personal

Liability, &Flood Insurance

As a REFCO member, our exclusive partnership with

Liberty Mutual allows you to take advantage of special

discounted group rates that could save you hundreds of

dollars a year. Liberty Mutual offers coverage for:

Comprehensive Homeowners Insurance - We know how importantTravel

your home is. It's your family headquarters, yourPPO Pet sanctuary, and the hub of all activity. A homeowners

HMO Pet policy can protect your home and possessions against a

Home and Auto variety of losses including fire, theft, vandalism, plumbing

failure, and much more. Liability coverage can beHearPO

included so that if someone is accidentally injured or hasLife Insurance property damaged while on your premises, Liberty Mutual

Questions will defend any claims against you and pay those claims

up to your policy limits. We'll also pay for reasonable and

necessary medical expenses up to the limit you

purchased, regardless of who was at fault.

Renters Insurance -Your landlord likely has insurance

to protect the building you live in, but that doesn't protect

you and your belongings. Renters insurance protects the

possessions that matter to you, at home and away, and

also provides limited personal liability coverage.

Condominium Insurance - As a condo owner, your

HOA's insurance won't cover the interior of your unit,

http://pgagencies.com/portal/refco/home-and-auto/ 7/7/2015

Home and Auto ~ Supplemental Benefits for REFCO Members Page 2 of 3

your personal possessions, or personal liability. We'll

provide the affordable coverage you need.

Landlord Insurance - As a landlord, renting out your

investment property is stressful enough. With Landlord

Insurance, you'll have one less thing to worry about.

Rental property insurance protects your property from

damages and loss of income should covered damages

make your property unlivable.

Personal Liability Protection -You don't have to be a

millionaire to be sued fora million dollars. A serious

accident or mishap on your property could trigger a costly

jury award. Umbrella Insurance protects your assets from

large verdicts or settlements due to a covered accident,

with additional coverage beyond the limits on your other

policies.

Flood Insurance -You don't need to live near water to

need flood insurance. Floods can be caused by storms,

hurricanes and even melting snow. Flood damage is not

covered under homeowner policies. Liberty Mutual offers

Flood Insurance through the federal government's

National Flood Insurance Program.

Mobile Home Insurance -Protect your mobile home

from unexpected damages.

Car Insurance -Liberty Mutual has you and your wheels

covered with a variety of auto insurance options. They

will make sure you have the right coverages for you and

your car.

Coverages can include Collision, Comprehensive, Bodily

Injury Liability, Property Damage Liability, Medical

Payments, Injury Protection, Uninsured / Underinsured

Motorists.

We believe responsible drivers deserve more than just

basic coverage; that's why we provide additional benefits


Home and Auto ~ Supplemental Benefits for REFCO Members Page 3 of 3

including: Accident Forgiveness, New Car Replacement,

Unlimited Rental, and Lifetime Repair Guarantee.

Multi-Policy Discount -Save on your home insurance

when you insure your home and car with Liberty Mutual.

Liberty Mutual has been helping people live safer, more

secure lives since 1912. They operate in all 50 states and

are among the Fortune 100 largest U.S. corporations. As

a leading provider of car, home and life insurance, they

offer competitive rates and hassle free service.

Policies are tailored to meet your specific needs. A Liberty

Mutual representative can explain your options in clear

terms and recommend the best match for you -whether

you need to protect your car, home, watercraft or

motorcycle.

Liberty Mutual

For a quote, visit: www.libertymutual.com/refco

or call: (800) 524-9400. You Must Mention Group

119504 in order to get the special REFCO discounted

rates.

Disclaimer: Coverages may not be available in all 50

states and may vary. Discounts and savings are available

where state laws and regulations allow, and may vary by

state. Certain discounts apply to specific coverages only.

To the extent permitted by law, applicants are individually

underwritten; not all applicants may qualify.


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HearPOHearing BenefitHearPO Summer Newsletter

A Johns Hopkins University School of Medicine study

found that 63% of people over age 70 have hearing loss.

Yet, only about 20% used a hearing aid. Unfortunately,

denial and embarrassment are the main reasons cited for

not getting a hearing aid.

Hearing impairment lowers the overall quality of life for

those suffering from it. People with untreated hearing loss

suffer more from depression and social isolation

compared to those of similar age who wear hearing aids.

It can also cause Auditory Deprivation, which is a

decrease in speech understanding resulting from a

hearing loss.

The good news is that clinical studies have shown that

when hearing aids are properly fitted, they significantly

improve the overall quality of life for their users. Many

hearing aids are virtually invisible and still deliver

outstanding performance in challenging environments.

HearPO has partnered with REFCO to offer a FREE hearing

aid discount program. Benefits include:

• 40% off hearing testing and diagnostics.

• Approximate savings of 25% off hearing aids

including Resound, Starkey, Siemens, and more.

http://pgagencies.com/portal/refco/hearpo/ 7/7/2015

HearPO ~ Supplemental Benefits for REFCO Members Page 2 of 2

• Hearing aid low price guarantee. We beat local

quotes by 5%!

• Free one year supply of batteries.

• One-year free follow-up care.

• Risk-free 60-day, 100% money-back satisfaction

guarantee.

• 3-year warranty -one of the longest in the industry.

• Convenient hearing clinics near you.

• Financing available.

HearPO Premium

Retiree +Family FREE

To take advantage of this free program, call HearPO

directly at (877) 846-7075and let them know you're an

REFCO member. They will assist you and explain the

process.

http://pgagencies.com/portal/refco/hearpo/ 7/7/2015

Life Insurance ~ Supplemental Benefits for REFCO Members Page 1 of 2

.tr ~! ~,3. ~~..~.,.

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Life Insurance

Questions

Age

Monthly Rates -Female

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life Insurance

Whole LifeInsuranceGuaranteed Issue - No Medical Exam

No one wants to burden their family

with outstanding debts, funeral costs and other bills

when they pass away. Ensuring these costs are taken

care of in advance can be your way of helping make

sure your family won't have to struggle to quickly come

up with cash.

MetLife's Guaranteed Issue Whole Life Insurance is-an

easy and affordable way to provide financial stability for

your loved ones. Coverage face amounts of $5,000,

$10,000 and $20,000 are available. This plan was

specially designed for those age 55 and older.

Unique plan features include:

• Guaranteed issue and guaranteed renewable for

life.

• Does not require a medical exam or underwriting.

Level premiums for the life of the policy.

• Simplified application process.

7/7/2015

Life Insurance ~ Supplemental Benefits for REFCO Members Page 2 of 2

55 $25 $48.50 $95.50

60 $29.50 $57.50 $113.50

65 $35.50 $69.50 $137.50

70 $45 $88.50 $175.50

75 $60 $118.50 $235.50

If the insured dies other than by accident within the first

two years, the beneficiary will receive a limited graded

death benefit of 110% of premiums paid. After two years,

full death benefits will be paid for any cause of death.

Coverage is not in force until MetLife has confirmed

enrollment in writing. Rates will be based on your age at

the coverage effective date. Coverage cannot begin

earlier than January 1, 2014.

< >

http://pgagencies.com/portal/refco/life/ 7/7/2015

Questions ~ Supplemental Benefits for REFCO Members

REFCO Home

Disclaimer


Dental PPO

Dental HMO

Vision

Legal Shield

ID Theft Shield

Page 1 of 3


~ 1,,~

Questions

EnrollmentDental, Vision, Legal Shield,

Identity Theft Shield, & Personal

Accident &Secure Travel

To enroll in one of the above plans, please contact Pacific

Group Agencies, Inc. at (800) 511-9065.

Personal Accident Pet Insurance and Comprehensive Travelwith Secure Travel

Comprehensive Call the REFCO Benefit Plan Administrator at (800) 511-Travel 9065.

PPO Pet$25,000 of Personal Accident & Secure Travel

HMO Pet provided to you at no cost by REFCO.

Home and AutoTo ensure you receive your $25,000 of Personal Accident

HearPO &Secure Travel coverage that is provided at no cost to

Life Insurance you by REFCO, please complete the enclosed Enrollment

questions Form and select the appropriate Member of Member &

Family box under Personal Accident &Secure Travel and

put $25,000 in the Benefit Amount box.

Contact Us

If you have questions or need assistance, please contact

the Plan Administrator at [email protected] or call

(800) 511-9065.

Disclaimer

This website contains summaries and highlights of the

plans available. Certain wording has been shortened due

http://pgagencies.com/portal/refco/questions/ 7/7/2015

Questions ~ Supplemental Benefits for REFCO Members Page 2 of 3

to space limitations. Every attempt has been made to

ensure the wording in this booklet and any referred to

websites is accurate and factually represents the

coverages; however, mistakes can occur. This booklet is

not a Certificate of Insurance and nothing contained

herein, either written or implied, will change the terms of

the Certificates of Insurance. Additional exclusions,

limitations, and eligibility requirements may apply.

Insurance carriers have the right to change the rules,

regulations, terms of coverage, availability, and

guidelines that are placed on the application, policies, and

enrollment at any time. Rates change periodically

depending on the carrier, open enrollment for the carrier,

and the type of available insurance products.

An individual cannot assume they have effective

insurance coverage even if they have submitted an

application. An individual cannot assume that they have

coverage until the carrier has sent the individual a

verification of coverage with the appropriate effective

date.

It is the responsibility of the member to contact us

regarding any change in their status that affects the

ability to be insured under any of these plans. It is also

the responsibility of the member to confirm that they

have been enrolled in the correct plan and it is suitable

for their needs. Members must maintain membership in

REFCO in order to retain these benefits. Failing to

maintain membership in REFCO may result in the

termination of your coverage. Coverages may be

terminated should your check, checking account, or credit

card deduction stop for any reason.

These benefits are offered and administered through an

independent broker, Pacific Group Agencies, and not

REFCO. In promoting the health, well-being, happiness,

and continued productivity of its members, REFCO has

endorsed the offering of these benefits, but REFCO itself


Questions ~ Supplemental Benefits for REFCO Members Page 3 of 3

does not provide or administer any of these benefits, nor

does REFCO receive any financial compensation for their

sale.

FOR QUESTIONS ON THE PLANS OR THE ENROLLMENT

PROCESS, CONTACT THE PLAN ADMINISTRATOR,

PACIFIC GROUP AGENCIES, CA Lic. 0078489, AT: (800)

511-9065.


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IntheM atterofAuthorizingR etireeP ayrollDeductionsfortheP aym entofVisionandDentalInsuranceT hroughtheS tateAssociationofCounty R etirem entS ystem s

))))

RESOLUTION





WHEREAS, Governm ent Code section 31452.5(a)(3) authorizes a deduction for

prem ium sforavision care program ordentalplan,approved by the board,forthe benefit of

theretiredm em berorhisorherdependents;and

WHEREAS,the S tate Association ofCaliforniaR etirem ent S ystem s(S ACR S ),ofw hich

FCER A isam em ber,hascontracted w ith Vision S ervice P lan (VS P )to offeravision care plan to

retired m em bersandtheirbeneficiaries;and

WHEREAS, the S tate Association of California R etirem ent S ystem s (S ACR S ) has

contracted w ith CIGN A Healthcare (CIGN A)to offeradentalplan to retired m em bersand their

beneficiaries;and

//

//

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(FCER A);




direct paym ent ofprem ium sforthe acquisition ofvision care servicesand/oradentalplan

offered by S ACR S upon delivery ofarevocable w ritten authorization signed by the m em beror

beneficiary to FCER A; and that such revocable w ritten authorization w illbe m aintained by

FCER A.



w ithoutadditionalchargeby FCER A tothem em bersorbeneficiariesrequestingthedeductions,

subjecttofurtherreview andactionby theBoard ofR etirem ent.



vote,tow it:

Ayes:

N ays:

Absent:

Abstain:

//

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Attest:

____________________________DonaldC.Kendig,CP A,S ecretary//

//

//

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BEFO R ET HEBO A R D O FR ET IR EM EN T

O FT HEFR ES N O CO U N T Y EM P L O YEES ’ R ET IR EM EN T A S S O CIA T IO N

FR ES N O CO U N T Y,CA L IFO R N IA

In the Matter of Authorizing Retiree PayrollDeductions for the Payment of Vision andDental Insurance Through the StateAssociation of County Retirement Systems

))))

R ES O L U T IO N

W HER EA S , Government Code section 31452.5 authorizes the Retirement Board to give

effect to a revocable written authorization signed by a retired member or beneficiary of a

retired member entitled to a retirement allowance or benefit to deduct a specified amount

from the retirement allowance or benefit payable for a variety of allowed purposes; and

W HER EA S , Government Code section 31452.5(a)(3) authorizes a deduction for

premiums for a vision care program or dental plan, approved by the board, for the benefit of

the retired member or his or her dependents; and

W HER EA S , the State Association of California Retirement Systems (SACRS), of which the

Fresno County Employees’ Retirement Association (FCERA) is a member, has contracted with

Vision Service Plan (VSP) to offer a vision care plan to retired members and their beneficiaries;

and

W HER EA S , the State Association of California Retirement Systems (SACRS) has

contracted with CIGNA Healthcare (CIGNA) to offer a dental plan to retired members and their

beneficiaries; and

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W HER EA S , the Retirement Board wishes to make these programs available to retired

members and their beneficiaries of the Fresno County Employees’ Retirement Association;

N O W ,T HER EFO R EBEIT R ES O L VED that the Board of Retirement of the Fresno County

Employees’ Retirement Association hereby authorizes retired members of FCERA, or

beneficiaries of retired members entitled to retirement allowances or benefits from FCERA, to

direct payment of premiums for the acquisition of vision care services and/or a dental plan

offered by SACRS upon delivery of a revocable written authorization signed by the member or

beneficiary to FCERA; and that such revocable written authorization will be maintained by

FCERA.

A N D,T HER EFO R EBEIT FU R T HER R ES O L VED that the Board of Retirement of the Fresno

County Employees’ Retirement Association hereby directs that such deductions will be allowed

with an additional charge by FCERA to the members or beneficiaries requesting the deductions,

not to exceed actual costs, subject to further review and action by the Board of Retirement.

Adopted at a regular meeting of the Board of Retirement of the Fresno County

Employees’ Retirement Association, held on the _____ day of ____, 2015, by the following

vote, to wit:

Ayes:

Nays:

Absent:

Abstain:

//

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BOARD OF RETIREMENT

By:____________________________Steven J. Jolly, Chair

Attest:

____________________________Donald C. Kendig, CPA, Secretary//

//

//

~, ,

~:Vision care

Diabetes is a national epidemic. One in 13 of al! Americans have diabetes, one in four have diabetes and

don't know it yet, and one in five are on their way to getting it.

V5P's Diabetic Eyecare P{us Program provides coverage of eyecare services specifically for ►nembers

with diabetic eye disease. The program expanded coverage to include services that target glaucoma and

age-related macular degeneration (AMD) --chronic eye conditions members with diabetes are at elevated

risk of developing. Members with diabetes can also receive preventive retinal screenings if they show no

signs of diabetic eye disease.

Eligible members can receive both routine and .fallow-up medical eyecare from their VSP Preferred

Provider—the provider who already knows their eyes best.

Effective July 2014, Diabetic Eyecare Program was added to the plan

- r 1 . .- . . -. . r

Now members can get even more value from their VSP benefit., VSP members will receive an extra $20 to

spend when they choose a featured frame brand like bebe0, ck Calvin Klein, Flexon0, Lacoste, Michael

Kors, Nike, Nine West, and more. The extra $20 will automatically be applied to their current frame

allowance by the VSP doctor, at no additional cost.

Effective January 2014 added to plan

V5P Probrietary &Confidential

~... -

TruHearing is offering all VSP members and their covered dependents free access ($108 value) to the

TruHearing MemberPiusO Program, which saves members up to $2,600 on a pair of hearing aids. Best of

ail, this program can be combined with a funded hearing aid benefit to reduce members' out-of-pocket

expense.

Effective January 2012, available to all VSP members and extended families

Members can receive a complete eye health experience with coverage for non-medically necessary retinal

imaging. Retinal screening uses advanced imaging systems to take pictures of the inside of the eye.

Retinal imaging helps VSP doctors assess the health of the retina and detect and manage such eye and

health conditions as glaucoma, diabetes, and macular degeneration. Finding retinal disorders as early as

possible can potentially prevent serious disease progression and even vision loss.

• Effective July, 2010 VSP guaranteed pricing for our members at $39

Finding the right eyecare prouider for you is important to your eye health and overall wellness. We put our

members first. That's why with the VSPO provider network, you have the freedom to choose local VSP

docfiors and participating retail chains, or an out-of-network

provider you already know and trust.

• Effective June, 2015 retail chains such as Costco, Pearle Vision, SVS Vision added to plan

G~ sr~; . ~ ~ ar

i ~ ~

3 ~~

~. ~~

tom_ ~ ~

. .w ~~

~,::

~'

4 ~o~:~.

-~

4 ;10 Vision Care

if you have type 1 or type 2 diabetes, you can get both your routine

eyecare and follow-up diabetic eyecare services from your

VSP~ Vision Care doctor—the one who knows your eyes best.

People with diabetes often aren't aware they have diabetic eye

disease. That's because in the early stages of the disease, few

symptoms may appear until after damage has already occurred.

An annual eye exam from a VSP doctor can help prevent most

diabetes-related blindness.

VSP doctors take the time to get to know you and your eyes, They can

detect changes in your eye health from year to year. Your VSP doctor

can consult and coordinate with your primary care physician to ensure

you're getting the best care—keeping you and your eyes healthy.

You never need a referral and you pay only a copay for the diabetes-

related eyecare services.

Find the right VSP doctor for you. You'll find plenty to _^ _ _ __J

choose from at vsp.com or by calling 800.877.7195.

• Already have a VSP doctor? At your appointment, tell them VISIT VS~.cam to learn how diabetes

you have VSP. affecis your eyes and find gut how to

ThaYs it! Your VSP doctor will handle the rest. keep them he~ltl~y,

The VSP Diabetic Eyecare Plus Program coverage is oily available through a VSP doctor. This ,;- ~-

coverage is for diabetes-related eyecare services and doesn't cover routine eye exams. Contact `'" "' ' '`

your VSP doctor for an appointment to use your routine eyecare benefits.

02011 Vision Service Plan. Aii rights reserved.

VSP Is a registered vademark and VSP Diabetic Eyecare Pius Program is a service mark of Vision Service Plan. JOB#7933CM 70/11

Enjoy Law Prices on Hearing Aidsl

Like vision loss, hearing loss can have a huge impact on your gr~~g9~,~ ~o~, _r~ sends df ~~~~

quality of life. However, the cost of a pair of quality hearing aids

usually costs more than X5,000, and few people have hearing

aid insurance coverage.

TruNearing~ is making hearing aids affordable by providing exclusive savings

to all VSP~ Vision Care members. You can save up to X2,400 on a pair of

hearing aids with TruHearing pricing. What's mare, your dependents and even

extended family members are eligible, too.

In addition to great pricing, TruHearing provides you with: Here's how it works:

• Three provider visits for fitting, adjustments, and cleanings 1, Call TruHearing.• 45-day money back guarantee

• Three-year manufacturer's warranty for repairs and one-time loss Call 877.396.7194. You and

and damage your family members must

• 48 free batteries per hearing aid mention VSP.

2. Schedule exam.

Plus, with TruHearing you'll get: TruHearing will answer

• Access to a national network of more than 4,500 licensed hearing aid your questions and schedule

professionals a hearing exam with a• Straightforward, nationally fixed pricing on a selection of more than 90 Iocal provider.

digital hearing aids in 400 styles

• Deep discounts on replacement batteries shipped directly to your door 3. Attend appointment.

The provider will make a

Best of all, if you already have a hearing aid benefit from your health plan or recommendation, order the

employer, you can combine it with this program to max(mize the benefit and hearing aids through TruHearing

reduce your out-of-pocket expense. and fit them for you.

Learn more about this VSP Exclusive Member Extra at

vsp.truhearing.com. Or, call 877.396.7194 with questions.

Not made available by VSP in the state of Washington

The relationship between VSP and TruHearing is that of independent contractors. VSP makes no endorsement, representations or warranties

regarding any products or services offered by TruHearing, a third-party vendor. The vendor Is solely responsible for the products or services

offered by them. If you have any questions regarding the services offered here, you should contact the vendor directly.

X2014 Vision Service Plan. All rights reserved.VSP is a registered trademark of Vision Service Pian. All other brands or marks are the property of their respective owners.

JOB#17347CM 6/14

s

Vision care for Iife

October 2015

Dear FCERA Retiree or Beneficiary,

As a current member, you don't have to do a thing to keep your coverage through VSP. As the only nat~~7a1~not-for-profit in vision care, we're committed to your wellness over profit. With you as our focus, yo~~ c<;,~-~ cFunton VSP to provide you with a vision benefit that delivers the most value, the best care, and choicre:

• Value and Savings: You'll enjoy more value and the lowest out-of-pockets_. s. VSP mem ers ve areaverage of $330 per year!" Plus, get an extra $20 to spend on featured fr~r~e brands, like }ein,bebe~, Calvin Klein, Flexon~, Lacoste, Nike, Nine West, and more!

• High Quality Vision Care: With VSP, you'll get the highest level of air;;. ir~'~luding a ~:sio Exam~—the most thorough exam designed to detect conditions like dia~~~e5, ~gh bloom! pres e, and highcholesterol, along with other eye and health issues.

• Best Choice in Doctors and Eyewear: Receive eyecar~ c~~~ ~ ~ &wear ~; the lc< ,tic n that's right for you.Choose a VSP doctor or another provider you alread~s'.~nc~ acid trust: '~~ is t`vsp~.cam to see which locationscarry your favorite frame brands or for a list of ~rov~rl~rs near yon►.

Guaranteed Satisfaction: if you're not 100~~ ha~T~yx,vv~'li male it,~ glut. ~~,;,

c r ~' ti

Open Enrollment for volun~Cary benefits ~i~rou~~~ V~ ntar~ C~rut~'~v En ~F~lo~ees~ R~tir~ment Association isNovember 1 through November 30, 215:

Want to make a change or cancel your vera~e'~_t~n pr~ok lc~~ Qirn~1;% cl,~o~e from one of the convenientoptions below. Your changes viii! lie ~ffectiue Ja~=,uary 1, ~~C16. ,

• Complete the online err-g,i~~ r7t form at v~.com/gc/vca~a. ~~!`cm~itete and mai! the enclosed V5Penrollmentfiorm im the,~Qstaue-laid r~tc~r_n era~elcpe.

• Call 800.400,9 ~c- sak with vsp,t~"Fr~t~~c~ ~en~~.~ic _~ (~e~:sentatives are available Monday through Friday,5:00 a.m. to ~~:G~ i-~ r~~.: aturolav ?~^fl ate. to ~- ~~ F~.1~~ aid Sunday, 7:00 a.m. to 7:00 p.m. (Pacific Time).

Sincerely,

VSP Client Admimistr~,t;v~ 5~;rvices

~~A C R SSias; ~ ~ ,~ ~ of Countp Rciiremem 5rsteme

'eases i,~, national averages for comprehensive eye exams and most commonly purchased brands. Your actual savings will depend on the plan available to you, your copays,contribution Ievel, and whether your contribution is deducted from your paycheck pre-tax.

Your eyes deserve the best care fio keep them healthy year after year. Plus with VSP, you'll get a greatvalue on your eyecare and eyewear.

• Personalized Care. You'll get quality care that focuses on your eyes

and overall wellness through a We1lVision Exams from a VSP doctor.

Our doctors take the time to look for vision problems and signs of

other health conditions too. Pius, with a VSP doctor, your satisfaction

is guaranteed—if you're not 100% happy, we'll make it right.

• Great Eyewear. Choose the eyewear that's right for you and

your budget.

• Choice of Providers. You can choose any eye care provider—your

local VSP doctor, a retail chain affiliate, or any other provider.

,~ ~,~~'•

Without VSP 1@'GtF S~ f~' 'Coverage Oc~v ge

a~ a

Eye Exam $i54 ~~~~ 5~~ Copay

Frame $200-- - --i S20 ~opay

Bifocal Lenses ~1'~8

' Progressive Lenses ~f53 ! 51G~,

Anti-reflective Coating ~ ~11A 569_ ~: _

Member-only ~Annual Contnbu~ncn ~~~ 7 i

~ _`.___ _ __-- ~°:T'otai ~: _ X65 $

# ~~~. _ ___ _. _w__. _ _ __

,.Comparison based on national averages far c n ~ r_r.a~,sive eye _exams and most commonly purchased ~~~ s

~ i

~ ~.

`4~ .e

Choose one of these convenient options:

• On1inVisit VSP at vsp.c /gr~ffce~~a.

• Mait; Gor~np~ete and it th encivsedVSP ~~nrc311ment farm in stage-paid<r~turr~ ~velope.

~.- Pine: Call &00:~00.4'~69 to speak with

~:SP Mer~k~er S~°vices. Representativesare availab~~e t.^.on~ay through Friday,5:Gtl0 a.n~, t~~ 3;00 p.m.; Saturday, 7:00 a.m.~,s 8~`t3 n.ri~ ~-and Sunday, 7:00 a.m. to

~ 7,OOp.m~ {Pacific Time).

Fr ~ ~~~i classic styles to the latest designerfr"u;nes, you'11 find hundreds of options. Choosefrom featured frame brands, like Anne Klein,be ,Calvin Klein, Flexon~, Lacoste, Nike,fqi Vest, and more. Visit vsp.com to find a~~oct~~r ~•✓kcarries these brands.

,~;

~~a~~u up to an average of 50% on all-digitalhearing aids through TruHearing~. Visitspecialoffers.vsp.com/truhearing for details.

.~

FCERA and VSP provide you with an affordable eyecare plan.

Open Enrollment: 11/1/2015 -11/30/2015Effective Date: 1/1/2016Doctor Network: VSP Choice

Your Coverage with a V5P Provider

WeIlVision Exams •Focuses on your eyes and overall wellness

Prescription Glasses

Frame

Lenses

lens Enhancements

Contacts(instead of glasses)

Diabetic Eyecare PlusProgram

Extra Savings

_. ~~ k~ ~.r ;rr, - ,c r

{<

fi~1

~$1 x

^~..

$20 ~Y ~ , f J! -~r year

• $200 allowance for a wide selection of frames• $220 allowance on a featured frame brands. ~°• 20%savings on the amount over your allowance ~• $110 allowance at Costco

• Single vision, lined bifocal, and lined trifocal lea^yo-:• Polycarbonate lenses for dependent childrer

• Standard progressive lenses ~~5• Premium progressive lenses 'o95-5105

Custom progressive lenses X150-$175

• Average 20-25%savings on other inns er~h ,_~~~cn _ .t

_... ,..• $200 allowance for conta~~~ -i ~:~~tact lens exam ~fi'rir. ~ar~ t

evaluation) r• 15/o savings on a contact 1~::s cxari (fitting and% alp. ~ti~

~;

Services related t~ ~a+-al~_^~ eye disease, aucoi dage-related macular 3ec~eneration tinal ,;,~y ~r $20eligible ma~i!-~= :,nth diabetes. Lin~tio ~~d rd~r.~ -~n withmedioal as~-r rye rr:ay apply. Ask your ̀ P c~ct~ r i~-'c3eta+i ~.

~' ffvery plan year

Every plan year

Every plan year

Every plan year

As needed

Glasses and ~tnglasse~• ~~~;; s~~, ~ s :tl ~r ~ I ~!~:s i a ; I ~=~s, i~~,.iding lens enhancements, from the any VSP provider within

~1~mu+i~#iofyour - -t ~p~ _rc ~ .r,

Laser Vision ~orrecti~o• Average 15% ~*~ ~.~~ ~ ~ ~~lar price ~ .`'i,~ t'~c; promotional price; discounts only available from contracted facilities

~ _ _

Your Monthly ~iC~ ~i Member Oniy $20.53 Member +One $24.05 Member +FamilyContribution

c ` '~' Your Coverage with Other Providers -

Visit vsp.com for c ~~ ~~~ .,,i c; ~!an to see a provider other than a VSP provider.

Exam ............................_ ~ ..'~.ap r~ '~§ Single Vision Lenses..... up to $30 Lined Trifocal Lenses.... up to X65 Contacts.............._................ up to $105

Frame ..................„ _,,..- -~iF r 'b Lined Bifocal Lenses.....up to X50 Progressive Lenses............up to $50

.•1 I ~ud~r,' ~~' i ~i '- ~ F ~:~der< only C e sac. f ~ ~~ i. ~:ct to change In the event of a conflict between this iMormatron and your organization's coniractwith VSP

- tt t m+~~ ~t ~. 11 err r~d r .,=d on applie f-IC I v rne.~t r ~y ~ ~ by lgeaaon.

'Cover~~ : ~h a retail chain affiliate may be differen nc , _ .r benefit is acuva; visit vsp.com for details

U~ ~~cRsSias. ~ ,[C.uuuty Rctlrcrocm Scs~ema

~.. ~ ,.a.

Vfsfon care for life "`~""""'"`"" "'

Keep your eyes healthy and your vision clear with VSP.

X2015 Vision Service Pian. All rights reserved.VSP, VSP Vision care for life, and WeIlVision Exam are registered trademarks, and VSP Diabetic Eyecare Plus Program is a service mark, of Vision Service Plan.Flexors is a registered trademark of Marchon Eyewear, Inc. Ail other brands and marks are the property of tfieir respective owners.

JOB#20787CM 4/15

Vision care for life

October 2015

Dear FCERA Retiree or Beneficiary,

Open Enrollment is here and it's time to enroll in your VSP benefit. As the only national not-for-profit in visioncare, we're committed to your wellness over profit. With you as our focus, you can count on VSP to provideyou with a vision benefit that delivers the most value, the best care, and choice.

• Value and Savings: You'll .enjoy more value and the lowest out-of-pocket costs. VSP members save anaverage of $330 per year!* Plus, get an extra $20 to spend on featured frame brands, like Anne Klein,bebe~, Calvin Klein; Flexon°, Lacoste, Nike, Nine West> and more! ,

• High Quality Vision Care: With VSP, you'll get the highest level of carte; inc luding a WeIlVision Exam~—the most thorough exam designed to detect conditions like diaber%~ , f ~~~:~}h blood pressure, and highcholesterol, along with other eye and health issues.

• Best Choice in Doctors and Eyewear: Receive eyecare ae~d eyew~-ar at the location that's right for you.Choose a VSP doctor, retail chain affiliate, or another prop^ ~r~rou already know and trust. Visit vsp.comto see which locations carry your favorite frame brands ryr f~~s a list of providers near you.

• Guaranteed Satisfaction: if you're not 100% happy,<tv~'~~ ,i,_~I«-,it right.~.

~ ~.'

Open Enrollment for voluntary benefits ttF~c~i~~r ̀ ~'cnt ,n~ ~ a~~~r ~f t~mployees' Retirement Association isNovember 1 through November 30, 2015. +=~ .~ ~~;~~e~a~~~~~~~~! be effective January 1, 2016.

You may enroll yourself and all eligit~le u~ p~~c~~ ~~ , r~'i x ~se from one of these quick and easy enrollment options:

• Comp{ete the online enrol(m,cr ~ fr~~~ dt v~.eorti/golvicera. Complete and mail the enclosed VSPenrollment form in the po~tac~~-~~Pd retur+a - ~~iope.

• Call 800.400.4569 to sp~~~.~vh VSP Member Services. Representatives are available Monday through Friday,5:00 a.m. to 8:00 p.m.: ~~4~:t~iay, 7:00 a.m. to 8:00 p.m.; and Sunday, 7:00 a.m. to 7:00 p.m. (Pacific Time).

Sincerely,

VSP Client Administrative Services

s., _ ,, ,rc~~,~~y a~u~~m~~~ sys«ms

•Based on national averages for comprehensive eye exams and most commoNy purchased brands. Your actual savings will depend on the plan available to you, your copays,contribution level, and whether your contribution is deducted from your paycheck pre-tax.

Why enroll in VSP? Your eyes deserve the best care to keep them healthy year after year. Pius with VSP,you'll get a great value on your eyecare and eyewear.

• Personalized Care. You'll get quality care that focuses on your eyes

and overafi wellness through a WeIlVision Exams from a VSP doctor.

Our doctors take the time to look for vision problems and signs of

other health conditions too. Plus, with a VSP doctor, your satisfaction

is guaranteed—if you're not 100% happy, we'll make it right.

• Great Eyewear. Choose the eyewear that's right for you and

your budget.

• Choice of Providers. You can choose any eye care provider—your

local VSP doctor, a retail chain affiliate, or any other provider.

Without VSP nth V~P~ '~Ku y'

Coverage Coverage ~v

Eye Exam 5154 I ~2P'Copay

~-Frame X200

------ S20 Cmpa~

Bifocal Lenses

Progressive Lenses

Anti-reflective Coating a

i X148-~-

15~ SyT i7~

~ ; ,X110 ~,, ~$69 t

Member-only NIA $i27Annual Contribution

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Total .$765 5341

~~~Comparison based on national averages for comprehensive eye ~,exams and most commonly purchased brands

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Choose one of these convenient options:

• Online: Visit VSP at vsp.comlgoifcera.

• Mail: Complete and mail the enclosedVSP enrollment form in the postage-paidr n envelope.

,- ̀ PFF~ne: Coil 800.400.4569 to speak with>;'FP Member Services. Representatives

s a e available Monday through Friday,q 5:00 a.m. to 8:00 p.m.; Saturday, 7:00 a.m.

to 8:00 p.m.; and Sunday, 7:00 a.m. to7:00 p.m. (Pacific Time).

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From classic styles to the latest designer~ frames, you'll find hundreds of options. Choose

from featured frame brands, like Anne Klein,bebe°, Calvin Klein, Flexon~, Lacoste, Nike,Nine West, and more. Visit vsp.com to find adoctor who carries these brands.

Save up to an average of 50% on all-digitalhearing aids through TruHearing~. Visitspecialolfers.vsp.comltruhearing for details.

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FCERA and VSP provide you with an affordable eyecare plan.

Open Enrollment: 11/1/2015 -11130/2015 - ~-Effective Date: 1/1/2016Doctor Network: VSP Choice

Your Coverage with a VSP Provider

4VeIlVision F~cam~ •Focuses on your eyes and overall wellness $20 Every plan year

Prescription Glasses

• $200 allowance for a wide selection of frames• $220 allowance on a featured frame brands Every plan yearFrame • 20%savings on the amount over your allowance $20• X110 allowance at Costco <~

Lenses •Single vision, lined bifocal, and lined trifocal lenses Every plan year• Polycarbonate lenses for dependent children

• Standard progressive lenses $55• Premium progressive lenses $95-$705

Lens Enhancements ♦ Every plan year• Custom progressive lenses r $150-$175• Average 20-25%savings on otfier lens enl~~.~'~ip~~~~.~ ~~~ ~s

Contacts $200 allowance for contacts and c ~~~~ - ~ ~ t;;r na,and

(instead of glasses) evaluation) Every plan year

• 15% savings on a contact le. r ,~ ~`~ -~! ,,-,i~,.::ton)

• Services related Yo diat~ '~ r;~ ~~ ~ ~ > `+~ ~ ~ ~~~ma and ,Diabetic Eyecare Plus age-related macular ~+ ~~.r ~ ,: r t?~ ~ ~-_:;final screening for X20 As neededProgram eligible members ~r:~;- ~~ E ~ ~ ;sand coordination with

medical cove 'qE ~::, ; ~ 1,. ~ ~ ,r r ~'~+sp doctor for details.

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Glasses aKd ~un5'^~sses , -• 20°P s~ -' ̀ ;~: qn additional glasses and sunglasses, including lens enhancements, from the any VSP provider within

Eactra Savings 12~~-~ ~ ~ f ~. ~ , t your last WeIlVision Exam

{~.3~~ Up on Correction'• Av~age 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities

Your Monthly $td.51 Member Onfy $20.53 Member +One $24.05 Member +FamilyContribution

Your Coverage with Other Providers

Visit vsp.com for details, if you plan to see a provider other than a VSP provider.

Exam ........................................ up to $45 Single Vision Lenses ..... up to X30 Lined Trifocal Lenses.... up to $65 Contacts................................ up to $105

Frame ...................................... up to X70 Lined Bifocal Lenses..... up to $50 Progressive Lenses............up to X50

VSP guanoice^ ~rver3ae tem V'SP providers only Coverage mtormatwn is subjeci to change. In the event of a conflict between this mformaaon and your organ¢ation's contract wnh VSP,

tf~e terms e.'tF < < -.tract •. II Frr:.-,~I. Based on applicable laws, benefits may vary by location.'Coveug~~ ~•:~ih ❑ ~e~ad c;,.n ~r,?rt~~ may be different Once your benefit is active, visa vspcom for details.

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Vision care for life

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Keep your eyes hea{thy and your vision clear with VSP. Enroll today.

X2015 Usion Service Plan. All rights reserved.VSP, VSP Vision care for life, and WeIlVision Exam are registered trademarks, and VSP Diabet(c Eyecare Plus Program is a service mark, of Vision Service Plan.Flexon is a registered trademark of Marchon Eyewear, Inc. All other brands and marks are the property of their respective owners

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