lw 2014 portfolio
DESCRIPTION
A portfolio demonstrating Corporate communication materials for multi-sized companies across all industriesTRANSCRIPT
LLisa Wong’s Portfolio A portfolio demonstrating Corporate communication materials for multi-sized
companies across all industries
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rintPIt’s important to listen to what your customers are saying.
Their comments will help you spot referral opportunities.
Listen for these customer situations:
“I just received a small inheritance.”
“I just received my bonus.”
“My tax refund just arrived!”
“I lost my job last week.”
Listen for these customer complaints:
“My taxes are too high!”
“I need a better rate of return.”
“My mutual funds should be doing better.”
“I’m not sure what to do with this money.”
Listen for these customer needs:
“I’m planning to retire soon.”
“My children will be off to college before I know it.”
“I hope we have enough in reserve for emergencies.”
“I’m worried that the government will get all my money
when I die.”
Step two is about looking for names on checks that
indicate your customers are engaging in a financial
transaction that your investment professional may be able
to help them with. Here are some of the names to look for
on checks:
AIM
American Century
Citibank
Merrill Lynch
Morgan Stanley
PIMCO
Smith Barney
UBS Financial Services
The 3-Step Referral Process
ListenSTEP
LookSTEP
Making referrals is really
Once you have identified a potential investor by listening
and looking, it’s easy to make the referral. Some suggested
phrases are listed below. Put them in your own words so
you are comfortable making the referral.
What to Say:
“May I introduce you to...”
“Can I setup a five minute chat with...”
“Would you like to talk to...”
“Can I get____________ on the phone for you right now?”
Do:
Do introduce your customers to your investment
professional
Do mention the financial services your branch offers
Do point to signs that reference the financial services
your branch offers
Do talk about how the investment professional may be
able to help them with their need, complaint or situation
Do tell your customers that the investment professional
may be able to show them ways to help build wealth,
save money and time and get more convenience.
Do encourage your customers to call and/or set
appointments with your investment professional
Don’t:
Don’t talk about specific investments or products
Don’t recommend investments
Don’t hand investment literature to anyone
Don’t refer to “Investment Advisor” but rather “a
member of our team”
ReferSTEP
Use the 3-Step Referral Process Card
(GEN-1105) as a quick reference guide.
is really rather easy. There are just three simple steps. The first step is to listen, th
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Most customers typically will not sit with an advisor
until they are asked four or five times. Don’t overwhelm
the customer, but persistence pays off. Here are some
common objections and questions you might encounter
and ways to answer them:
Customer: “What are your rates?” or “Why are your rates
so low?”
You: “Are you looking for growth or additional income?”
Customer: “I think I’m looking for more income.”
You: “I recommend you take five minutes with________, he/
she might have a solution that could help increase your
income. Always a good idea to get additional information.”
Customer: “I think I’m looking for growth.”
You: “A lot of people right now are chatting with________,
he/she may have a solution that could help increase your
growth over our current lobby rates.”
Customer: “Will__________ be FDIC insured?”
You: “We get that question all the time. What most
people are concerned about is losing money, is that what
concerns you? We’ll make sure_________ knows to discuss
solutions for safety and guarantees.”
HANDLING OBJECTIONS AND QUESTIONS
Customer: “Who is__________?”
You: “He/She is another member of our team specifically
dedicated to help you.”
Customer: “I’m already working with someone…”
You: “It’s always worthwhile to get a second opinion, and it
could just be a 5 minute chat.”
Customer: “I’m too old for that fancy investment stuff.”
You: “Well, a lot of what__________ does is make sure
things are listed properly for your beneficiaries. It’s
definitely worth a few minutes with him/her.”
Customer: “I’m all set. No thank you.”
Not much you can do with this, other than to let your staff
know you’ve planted an important seed. Because when
something changes in the client’s life – and things always
change – the customer will know that there is someone
located at their local bank that they can talk to about
financial guidance.
Now it’s up to you to make the referral!
listen, the second step is to look, and the third step is to refer.
FOR REPRESENTATIVE USE ONLY. NOT TO BE USED WITH OR DISTRIBUTED TO THE GENERAL PUBLIC.
ANNUITIES Are Not FDIC/NCUA Insured | Are Not a Deposit | May Lose Value | Have No Bank Guarantee | Are Not Insured by Any Government Agency
The 3-Step Referral Process
rintPMaybe you want to travel the world. Or maybe you want to settle in
Or maybe your destination is still unknDreams.
Aspirations.
Goals.
A Solution Is Within Reach
New York Life features a wide range
of products and services to help you
customize a solution based on your
individual financial needs and goals.
We can help you identify the right mix
of insurance and financial products to
prepare for and meet your short- and
long-term objectives.
Retirement Funding Strategies—
Helping to ensure that you, your
family and loved ones are covered for
retirement, even when Social Security,
pensions and 401(k) benefits are not
offered to same-sex couples or the
surviving partner.1
Longevity—Making sure your
money lasts and works for you in
the long run.
Expenses for extended periods of care
for illness—Keeping a reserve for the
rising costs of caring for a partner,
friend, parent or nonrelative, even
if it becomes increasingly difficult
to afford.
Strength, Integrity
and Humanity
Guided by our core values of financial
strength, integrity and humanity, New
York Life is committed to protecting
your interests and those of your loved
ones, and we’ve been doing so for our
clients for more than 165 years.
Holistic Approach
New York Life’s financial professionals
work with individuals to help create a
holistic financial strategy, one that is
multidimensional and based on a strong
foundation. We look at where you are
today and help you develop a road map
to tomorrow. Along with Life insurance,
the cornerstone of any solid plan, New
York Life and its subsidiaries also offer:
Insurance to cover extended periods
of care—which can provide a safety
net to protect you and your assets;
Guaranteed Lifetime Income*;
Fixed2 and Variable3 Annuities, which
provide a way to accumulate savings
while acting as a source of retirement
income; and
Mutual funds3
At New York Life, we understand that everyone is an individual. If you’re
just starting out, we’re here to listen and help you clarify your financial goals.
If you’re already on your way, we’re here to help you stay on track and turn
your dreams into reality.
New York Life also knows that the Lesbian, Gay, Bisexual and Transgender
(LGBT) community may be faced with unique challenges, especially when
it comes to protecting your future. Will my partner be taken care of if I pass
away? Will I outlive my retirement savings? How do I save for tomorrow?
How
Will I outlive my
retirement savings?
nt to settle in your own cozy little corner.
on is still unknown. Wherever you are, New York Life is here to help. Build. Grow. Enjoy.
These are some of the solutions
available to help create a financial
strategy that’s right for you.
Understanding
Financial Strength
Now, more than ever, individuals
understand the need to plan with a
financially stable company. After all, an
insurance policy is only as good as the
company behind it. At New York Life,
our prudent investment practices and
an ever constant eye to the future
keep us safe and secure, even in crisis
markets such as the Great Depression
and the more recent Great Recession.
Our primary responsibility is to our
policyholders. Unlike some publicly
traded companies, which may
operate for the short-term benefit of
shareholders, we are guided by the
longer-term needs and expectations
of our policyholders, who are the
owners of the company. Simply put,
we are a mutual company that works
with you and for you.
* The New York Life Lifetime Income Annuity is issued by New York Life Insurance and Annuity Corporation
(NYLIAC). (a Delaware Corporation.) Guarantees are based on the claims-paying ability of the issuer.
1 Ben Furnas and Josh Rosenthal, “Benefits Denied,” Center for American Progress, March 3, 2009,
www.americanprogress.org/issues/2009/03/benefits_denied.html
2 Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation)
3 Offered by properly licensed Registered Representatives through NYLIFE Securities LLC (Member FINRA/SIPC),
A Licensed Insurance Agency, 51 Madison Avenue, New York, NY 10010
How do I save for tomorrow?
www.newyorklife.com/lgbt
Will my partner be taken
care of if I pass away?
At New York Life, we’re in the business
of building lifelong relationships. Our
trained financial professionals live and
work in your neighborhood because we
believe you deserve undivided personal
and professional attention.
A Champion of Diversity
New York Life celebrates diversity both
globally and locally. We strive to serve
all people—regardless of their race,
creed, gender or sexual orientation
—with the same compassion, dignity
and respect. New York Life recognizes
domestic partnerships in our own
employee insurance program. Plus,
we have established NYLPRIDE, an
employee resource group that acts as
a forum for the company’s Lesbian,
Gay, Bisexual and Transgender
community to network and build
understanding. We’re also proud
supporters of the Lesbian, Gay, Bisexual
and Transgender Community Center of
New York’s Youth Enrichment Services
(YES) program, Out & Equal Workplace
Advocates’ annual summit and a
national transgender conference.
We believe it’s not about labels. We’re
here to help people help themselves
—and we’ll continue to do just that
for years to come.
The Company You Keep®
Dreams.
Aspirations.
Goals.
Meeting the Needs of the LGBT Community
It’s Up to You.Customized Solutions for Your Individual Needs
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Help Repair the Income Damage Caused by a Downturn in the Market
A sales idea that shows how a New York Life Lifetime Income
Annuity with a joint life with cash refund payment option can
produce more income using fewer assets and can guarantee
income for life. The piece also details how assets are not subject
to market volatility.
NEW YORK LIFE LIFETIME INCOME ANNUITY
If you are supplementing your retirement income with assets that are invested in market sensitive
products, a prolonged downturn in the market can potentially devastate a lifetime of savings, which can
impact your retirement needs.
Help Repair the Income DamageCaused by a Downturn in the Market
1 This example is hypothetical and intended for illustrative purposes only and is not indicative of the actual performance of any particular product. Past performance is not indicative of future results.
2 Average five year CD rate according to bankrate.com as of 7/9/09.
3 CDs are accumulation vehicles and are FDIC insured up to $250,000, while fixed income annuities are payout vehicles and the guarantee is backed by the financial strength of the insurance company that issues the annuity.
The Johnsons are a 75-year old couple1 whose brokerage account decreased from $600,000 to $400,000 in just one year
due to a market downturn. Anxious and frustrated, because they used this account for income, they are considering
pulling their money out of their equity-based investments and putting it into a Certificate of Deposit (CD) earning 3%2,
which could generate $12,000/year in pre-tax interest income. Though CDs are generally considered safe from market volatility, they are not designed as income generators. The Johnsons’
financial professional suggests a different approach to generate guaranteed income: a Joint Lifetime Income Annuity.3
?
$600,000
$400,000
???
The Anatomy of IncomeThis piece shows the makeup of Lifetime Income Annuity payments
and a chart explaining Total Lifetime Income Annuity Payouts.
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All Income is not alike.A Lifetime Income Annuity1 is an effective generator of income. It can provide high levels of guaranteed payments that
cannot be outlived. In fact, it would be difficult to find another investment that can offer the amount of income that a
Lifetime Income Annuity produces, coupled with its high level of security and stability.
So how can a Lifetime Income Annuity provide the attractive levels of income it does?
The answer can be found by looking at the “Anatomy of Income”. There are three components that make up the
payments an annuitant receives. The ratio of the components will change over time, but each is an important segment
of the income payments.
Lifetime Income Annuity payments are comprised of:
What is Mortality Credit?The mortality credit is also known as themortality yield. With a Lifetime Income Annuity, premiums paid by those who dieearlier than expected contribute to gains ofthe overall pool and provide a higher creditto survivors than could be achieved throughindividual investments outside of the pool.
The Anatomy of Income
Anatomy of Income
2. InterestThere is a portion of each paymentthat comes from interest earned fromthe insurance company’s investmentof premiums.
1. Return of PremiumEach payment includes the return ofa portion of the original investmentmade by the policy owner.
3. Mortality CreditEach payment includes income that isdirectly linked to the current age of theannuitant. This portion is known asmortality credit.
1 Issued by New York Life Insurance and Annuity Corporation (a Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. Guarantees are based on the
claims-paying ability of the issuer.
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Value Add/Sales Ideas
Turning Lazy Assets into Income for LifeSales idea explaining how assets from a fixed deferred annuity can
be rolled into a Lifetime Income Annuity, generating guaranteed
lifetime income to cover basic and discretionary expenses.
Older annuities may be a source of assets from which to generate
retirement income.You may have purchased a Fixed Deferred Annuity (FDA) several years ago to help save for retirement, with the intention
of generating income later on. FDAs can be an effective vehicle for asset accumulation because of their safety and the ini-
tial guaranteed interest rates they provide; they can also be annuitized to produce income.
When these annuities are beyond their guaranteed interest rate years however, and past their surrender charge period,
the interest they provide may be minimal and unattractive. Therefore, if the need for more retirement income exists,
these “lazy” assets may be a consideration to help generate that income.
The assets from a Fixed Deferred Annuity (one that is beyond its surrender period) can be annuitized to generate income,
but is that really the best option? Another strategy is to roll those assets into a New York Life Lifetime Income Annuity.1
Turning Lazy Assets Into Income for Life
1 Issued by New York Life Insurance and Annuity Corporation, a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, NY, NY, 10010. Guarantees are based on the claims paying
ability of the issuer.
The 4 P’sA sales idea that gives an overview of the Lifetime Income Annuity
along with hypothetical illustrations on various payouts.
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NEW YORK LIFE LIFETIME INCOME ANNUITYRetirement Income Challenges BrochureThis guide offers an overview of some of the risks and challenges
that clients may face when trying to plan for retirement income. The
guide should be used in conjunction with the Retirement Income
Challenges Cards. Approved for Client use.
Retirement Income Challenges CardsThese are a great interactive tool for clients to use with Reps to help
rate their perceived retirement risks. Approved for Client use.
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Cover Your Basic Expenses in RetirementThis piece demonstrates how Guaranteed Lifetime Income can help
clients fill any retirement income gap. Ideal for use with clients whose
only current source of income is Social Security or a small pension.
A Simple Approach to RetirementWe believe there is a simple approach to retirement and
we call it The 2-Step Process for Retirement Income.
First, pay for basic expenses with guaranteed sources
of lifetime income. Then, pay for discretionary expenses
with income from investments, supplemented by a
sustainable withdrawal rate from assets, as needed.
Review the plan annually and make adjustments based
on changing needs and changing market conditions.Are Social Security and Your Pension Enough?Your current sources of guaranteed income may include
Social Security and a pension. On average, Social
Security accounts for only a small percentage of your
work income. If your Social Security benefits and
pension aren’t enough to pay for all of your basic
expenses, you may need to convert some of your
assets into guaranteed income to help pay your basic
expenses and maintain a comfortable retirement.You can accomplish this with the New York Life Lifetime
Income Annuity, issued by New York Life Insurance and
Annuity Corporation (A Delaware Corporation). The New
York Life Lifetime Income Annuity offers guaranteed,*
steady income that you cannot outlive. You’ll have peace
of mind knowing your income is guaranteed for life, no
matter how long your retirement lasts.Get StartedTo learn how the New York Life Lifetime Income Annuity
can help you pay for your basic living expenses, speak to
your Representative today.
Cover Your Basic Living Expensesin Retirement
* The New York Life Lifetime Income Annuity is issued by New York Life Insurance and Annuity Corporation, (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company,
51 Madison Avenue, New York, NY 10010. All guarantees are based on the claims-paying ability of New York Life Insurance and Annuity Corporation.
Does Your Retirement Income Strategy Have What it Takes?
Details the 2-Step Process for Retirement Income, which helps cover
clients’ basic and discretionary expenses in retirement. This piece also contains “The 2-Step Process Worksheet”.
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Does Your Retirement Income Strategy
Have What it Takes?
Our Approach to Retirement IncomeWe believe there is a simple formula for a successful retirement. This approach will help ensure that you
maximize your retirement income and spend your time enjoying your retirement instead of worrying about
your finances. We call this approach the 2-Step Process for Retirement Income.
Managing Your RetirementTo fully enjoy retirement, it’s important to manage your
entire financial picture — income, assets and expenses.
Responsibility for managing these finances is shifting,
particularly for retirement income. Traditionally, retirees relied on guaranteed incomestreams, such as pensions from employers and Social
Security benefits from the federal government. Income
from personal savings was often just a small portion of
overall retirement income.
These days, retirees are bearing the burden of generating income from their own retirement savings
such as 401K(s) and IRAs. As this shift occurs, retirees
find themselves facing retirement income challenges
that they may not fully comprehend, including longer life
expectancy, inflation, market uncertainty, rising health
care costs and withdrawal rates.Fortunately, New York Life Insurance Company
can help make it easier.
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Value Add/Sales Ideas
FOR INTERNAL USE ONLY
New York Life Annuities are issued by New York Life Insurance and Annuity Corporation (NYLIAC) (A Delaware Corporation) a wholly-owned subsidiary ofNew York Life Insurance Company, 51 Madison Ave, New York, NY 10010.
M A R K E T I N G M AT E R I A L
R E S O U R C E G U I D E
ANNUITIES Are Not FDIC/NCUA Insured | Are Not a Deposit | May Lose Value | Have No Bank Guarantee | Are Not Insured by Any Government Agency
rintPRedefine your
means in
retirement.
So you can do more of what matters.
Just the facts about the New York Life...Guaranteed Future Income Annuity II1
Issuing company
New York Life Insurance and Annuity Corporation (NYLIAC)
(A Delaware Corporation), a wholly owned subsidiary of
New York Life Insurance Company1A deferred income annuity that guarantees income payments—beginning after a chosen waiting period—for as long as you live.
Product type A flexible premium deferred income annuity that provides
a stream of income payments guaranteed for the life or
lives of the annuitant(s), beginning on a date chosen by
the policyowner.Issue ages
least five calendar years before the calendar year in which
income payments start, and can be within the deferral period. Minimum initial premium
Minimum subsequent premiums
1 Guarantees are subject to contract terms, exclusions, and limitations,
no cash surrender value, and no withdrawals are permitted prior to the
income start date. Income payments are guaranteed at least as long as
the annuitant is living, provided the annuitant is alive on the designated
income start date.
Just the facts about the New York Life...Guaranteed Period Income Annuity II1
Issuing company
New York Life Insurance and Annuity Corporation (NYLIAC)
(A Delaware Corporation), a wholly owned subsidiary of
New York Life Insurance Company1An immediate annuity that guarantees income payments for a chosen period of time.
Issue ages2
Non-qualified: Available to policyowners and annuitants
ages 0-95 Qualified: Available to policyowners (primary annuitants)
ages 18-89 Roth IRA: Available to policyowners ages 59½-89 with a
Roth IRA of any amount in place for at least five calendar
years before the year in which income payments start.
Some options may not be available at certain ages.Markets Non-qualified and Qualified (e.g., IRA Rollovers, 401(k)
Rollovers, Roth IRAs, Inherited IRAs, and Inherited Roth IRAs)
Minimum initial premium
$5,000. A premium payment of over $1 million requires a
large-case questionnaire and prior New York Life Insurance
and Annuity Corporation approval.Income periods
5-19 years
Special features
Annual Increase Option Allows most policyowners to have initial income start lower,
but payments increase each year by any whole number
percentage from 1% to 10% (depending on percentage
chosen) for the life of the policy. Structuring payments this
way may help neutralize the impact of inflation as living
expenses increase over time. Policyowner must be at least 59½ at the time of first payment.
Must be elected at issue.1 Guarantees are backed by the claims-paying ability of the issuer. Products
available in jurisdictions where approved.2 Any distributions you receive from a New York Life Guaranteed Period
Income Annuity II before you reach age 59½ will be subject to a 10%
penalty tax, absent an applicable exception. New York Life will report to
the IRS distributions received before the owner reaches age 59½ as being
subject to the 10% penalty tax if the policy is either (a) a Traditional IRA or
(b) a non-qualified policy acquired in a Section 1035 exchange. You should
speak with your tax advisor if you are considering purchasing this product
before reaching age 59½.
Steadily growing,
safe and secure.
Financial values your future can count on.
rintPNEW YORK LIFE
FIXED ANNUITY PRODUCT GUIDE
ANNUITIES Are Not FDIC/NCUA Insured Are Not a Deposit May Lose Value Have No Bank Guarantee Are Not Insured by Any Government Agency
FOR REPRESENTATIVE USE ONLY. NOT TO BE USED WITH OR DISTRIBUTED TO THE PUBLIC.
NEW YORK LIFE FIXED ANNUITY PRODUCT GUIDE
ANNUITIES Are Not FDIC/NCUA Insured Are Not a Deposit May Lose Value Have No Bank Guarantee Are Not Insured by Any Government Agency
FOR REPRESENTATIVE USE ONLY. NOT TO BE USED WITH OR DISTRIBUTED TO THE PUBLIC.
...with the New York Life Secure Term MVA Fixed Annuity II*from New York Life Insurance and Annuity Corporation
Help Your Clients Plan for the Future TODAY...
* A Market Value Adjustment (MVA) is a positive or negative adjustment to the policy’s accumulation value or the amount received in a withdrawal, when a partial withdrawal or full surrender is made during the surrender charge period and the withdrawal or surrender exceeds the policy’s surrender charge free withdrawal amount. Refer to the New York Life Secure Term MVA II Fact Sheet for more information.
For Financial Advisor Use Only
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rintPChoose Well...
2010 Open EnrollmentYO U R O N L I N E G U I D E
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Mental Health and Work/Life Balance Programs
• Employee Assistance Program (EAP)—a free and confidential program available 24 hours a day,
7 days a week. When you call the EAP, you’ll reach an experienced specialist who will provide
you with a referral or connect you with a counselor who can help you with issues such as
anxiety, anger management, marital conflicts, grief and/or substance abuse. Call 800-511-3920
or log on to www.members.mhn.com. Access code is edisonsch.
• United Behavioral Health—a 24-hour telephone referral service that provides confidential
support for a wide range of personal issues. In addition to answering questions about mental
health and substance abuse concerns, UBH can also provide names of nearby participating
clinics, counselors and doctors; monitor your treatment progress; and help resolve problems or
concerns you may have with your treatment. To learn more, visit www.liveandworkwell.com.
Pregnancy and Childcare
• Healthy Pregnancy Program—offers you free, personalized support through all stages of
pregnancy and delivery. Features include toll-free access to experienced healthcare
professionals and customized pregnancy and childbirth education material and resources.
– POS 15 members: $150 per hospital admission copay will be waived.
– HRA Members: $150 will be added to your HRA balance.
newnew!
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Two Things You Must Do
• Join Healthy Pregnancy Program by going to www.healthy-pregnancy.com or
call 800-411-7984.
• Register for the waived copay (POS 15) or credit (HRA) by calling 866-322-0887.
myuhc.com—A Wealth of Tools and Resources
myuhc.com features a vast range of information and tools to help you live the best life
possible. In addition to the resources listed above, you can also log on to find:
• Personal health record, which enables you to keep track of all your health conditions,
medications, procedures, and lab results;
• Health improvement tools;
• Online programs to help you achieve your health and wellness goals; and
• Comprehensive library of health and wellness articles.
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Wellness Programs, Tools and ResourcesAs part of EdisonLearning’s commitment to wellness, we offer comprehensive programs to
assist you in managing your health in simple, convenient, and cost-effective ways. By thinking
preventively, you can take care of small medical issues before they develop into larger, more
costly and potentially serious problems. Medical Programs and Services• Disease Management Program—designed to help you manage critical conditions, such as
asthma, diabetes, coronary artery disease, and others. You’ll work with a specially-trained
nurse to develop a personal health plan. You’ll also receive ongoing information and support
by phone. Call 866-633-2446 for more details.• Cancer Resource Services—a toll-free hotline devoted to answering your questions when
you or a loved one is diagnosed with cancer. Call 866-936-6002 to speak with experienced
cancer nurses about all aspects of treatment and care, including whether or not to get a
second opinion. • Health Assessment & Personalized Report—a free and confidential, 20-minute survey about
your current health and lifestyle. When completed, the Health Assessment can tell you if
you’re facing potential health risks, which you can then discuss with your doctor. Go to
www.myuhc.com.• Source4Women—a website that addresses women’s healthcare needs through a uniquely
female perspective. Offering real answers in plain, easy-to-understand language, you’ll find
information about topics such as Arthritis, Infertility, Breast Cancer, Eating Disorders,
Menopause & Perimenopause, Multiple Sclerosis, Osteoporosis, Endometriosis, Pre-menstrual
Syndrome, and many others. Go to http://www.uhc.com/source4women.
Short on Time?You can click on any of these sections for specific information...
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9 Acta
vis Be
nefit
Plan
s
Dental Plan
Actavis provides dental coverage under a Dental PPO Plan
administered by Aetna. You may choose any eligible dental
provider, but you benefit from discounted fees when you
use an in-network dentist. When you use an out-of-network
Dental PPO Plan
In-Network Coverage
Out-of-Network Coverage*
Annual Calendar Year Deductible $50 single/$150 family
$50 single/$150 family
Class I: Preventive Services
100%, no deductible
100%, no deductible
Oral Exams, Routine Cleanings (two per year)
and X-rays
Class II: Basic Restoration Services 75% after deductible
75% after deductible
Fillings, Root Canal Therapy and Oral Surgery
Class III: Major Restoration Services50% after deductible
50% after deductible
Crowns, Dentures and Bridges and
Surgical Extractions of Impacted Teeth
Class IV: Orthodontia Services
50% after deductible
50% after deductible
Annual Maximum for Classes I, II, and III
$1,500 per covered person
(Does not apply to Orthodontia)
Lifetime Maximum for Class IV
$3,000 per covered person
2009 Benefits at A Glance
* Out-of-network charges subject to Reasonable and Customary (R&C) allowance.
provider, your cost is based on the Reasonable & Customary
(R&C) allowance. You must pay the dentist any amount that
exceeds the R&C allowance, in addition to the deductible and
your coinsurance.
9|2
009 A
ctavis
Bene
fit Pl
ans
Flexible Spending Accounts (FSAs)
Actavis provides employees with the opportunity to participate
each year in Health Care and/or Dependent Care Flexible
Spending Accounts (FSAs), offering a tax savings. You can pay
for out-of-pocket, eligible healthcare and/or dependent care
expenses with pre-tax dollars, which also lowers your taxable
income. (Please note, the FSAs do not provide reimbursement
for domestic partner expenses.) And, if you enroll in the Health
Care FSA, you will receive a FlexDirect debit card. Once you
activate this card, you may use it to conveniently pay for
certain FSA expenses—including network doctor’s office visit
Health Care FSA
Dependent Care FSA
Estimate Your Eligible Expenses:
Choose How Much to Contribute:$120 to $5,000 per year
$120 to $5,000 per year
($2,500 if married and filing taxes separately)
Enroll By:
You must enroll during Open Enrollment each year to participate.
Your previous year’s FSA election will not carry over.
Incur Expenses By:
You must incur eligible expenses between January 1, 2009 and March 15, 2010.
Submit Claims By:
All eligible claims must be submitted to ADP for reimbursement by June 30, 2010.
Any account balance remaining after your 2009 expenses are paid will be forfeited.
FlexDirect Card:
Yes
No
Auto-Reimbursement:
Yes, for in-network medical, dental and No
vision claims
Learn More:
Call 1-800-TAX-FORM or visit www.irs.gov and see Publication 502 (Health Care) and
Publication 503 (Dependent Care) for FSA qualifications and eligible expenses.
You may also visit www.adp.com for more details about the FSAs.
• Deductibles, copays and coinsurance for medical,
prescription drug, dental and vision care, which
are not covered under any health plans
• Expenses that exceed the plan limit or allowance
for covered services
• Prescribed tobacco cessation aids and programs
to help you quit smoking and treat withdrawal
that are not covered by health insurance
• Over-the-counter medications used to treat
personal injuries or sickness and nicotine
gum/patches for smoking cessation
• Child care centers, private providers, nursery
schools, summer day camps and after-school
care provided for your eligible dependent
(children up to age 13)
• Care provided for your eligible elderly or
disabled, tax-qualified dependent. (Note:
excludes nursing home care and overnight care
in a live-in facility)
copays, over-the-counter medications and prescription drugs
at approved locations. The IRS mandates that certain providers
must implement technology that separates eligible from
ineligible FSA expenses right at the cash register. Only
locations with this technology, which includes most network
pharmacies and healthcare providers, can accept your
FlexDirect Card.
Is one or both FSAs right for you in 2009? Use the chart below
to help you find out.
Your Actavis Benefit Plans
At Actavis, we know how important comprehensive benefits
are to you, especially in these difficult times. We’ve researched
the market place to ensure the plans we offer are competitive
and supportive of our employees’ needs as well as those of
our business. For 2009, we’re enhancing our benefit plans to
provide greater choice and flexibility, along with discounts and
tax savings opportunities. You’ll see new medical, dental and
vision vendors, a choice of three medical plan options with
enhanced health and wellness features, and a wider range of
coverage choices under the Optional Life Insurance program.
All employees MUST actively enroll for 2009 benefit coverage
during Open Enrollment, which takes place November 3
through November 14, 2008. If you do not enroll by
November 14, 2008, your Actavis benefits will be limited to
Company-paid benefits, including Basic Life, Accidental Death
and Dismemberment, Business Travel Accident Insurance and
Short- and Long-Term Disability coverage.
Please take a few minutes to learn about what’s new in 2009
by reading your enrollment materials and attending an
employee education session at your work location. You’ll find
the Actavis Benefit Plans provide a solid level of financial
security, while allowing you the flexibility to choose coverage
that meets your personal needs and budget.
More Choice
Flexibility
and
in2009
Highlights of Your
2009 Benefit Plans
Here is a snapshot of
what’s new for 2009.
Please read on for more
information, and watch
for your Enrollment Kit,
which contains more
detail, in late October.
• New Medical, Dental
and Vision vendors
• Prescription Drug
Coverage that varies
based on your Medical
Plan election
• New Optional Life
coverage options
Financial Tip:
We recognize that different people have different benefit needs. For 2009, you MUST make a separate election for vision
and medical coverage; they are no longer “bundled” together for the same premium.
2009 U.S. Employee Benefits
Your Actavis Benefit Plans Enrollment GuideOffering You Choice and Flexibility
rintPAs part of our du
e diligence, wesearched the marketplace to find a healthcare company with a broad range of affordable,
high-quality benefits and customer service, aswell as programs and resources to help our associates
maintain optimal
health. As a result, we chose Aetna and here’s why:
• Aetna has a vast nationwide network of doctors, sp
ecialists and other providers within its Choice POS II network.
In fact, our associates will find most of their cur
rent doctors in the Aetna network;
• Essentially, the same medical and dental plans will be offered, so you’ll receive the same benefits for co
vered
services and supplies, including 100% coverage for in-network
preventive care;
• You’ll receiveone ID card for both medical and prescription drug services and another for de
ntal services;
• You’ll have access to a larger selection of wellness and health care management programs designed to help
you and your family with a variety of health issues and concerns; and
• There will be no increase for most medical and dental out-of-pocket plan expenses, inc
luding your
deductibles, co-payments, co-insur
ance and out-of-pocketmaximums.
For your convenience, your
medical and dental coverag
e will automatically transfe
r from UHC to Aetnaas
of January 1,2009, unless y
ou enroll to change your lev
el of coverageor you choose
to waive coverage.
Aetna’s Total Health and Total H
ealth Plus Plans
Consider Your Medical Options fo
r 2009 and Save
Even though your current medical coverag
e will automatically transfer from UHC to Aetna, it’s worth re-evaluating
your Plan options. Boththe Total Health and Total Health Plus Plans offer a high level of in-netw
ork benefits, so
you’ll pay less when you receive care from a participating provider. Themain difference between the medical
options is the out-of-network benefits each offers. Please
see the chart below to compare the Plans and pick
the best one for you and your family.
Plan BenefitTotal Health
Total Health Plus
In-NetworkOut-of-Netwo
rk1 In-NetworkOut-of-Netwo
rk1
Annual Deductible2 $250 individual/
$1,000 individual/Not applicable
$225 individual/
$500 family$2,000 family
$550 family
Annual Out-of-Pocket Unlimited
$8,500 individual/Unlimited
$2,225 individual/
Maximum3, 4
$17,000 family
$4,550 family
Lifetime Maximum Unlimited
$1,000,000Unlimited
$1,000,000
Office Visits
• Primary Care 100% after $20 co-pay 70% after deductib
le 100% after $15 co-pay 70% after deductible
• Specialty Care 100% after $30 co-pay
100% after $25 co-pay
Inpatient Hospitalization 100% after deductib
le 70% after deductible 100% after
70% after deductible
(including maternity stays)
$250 co-pay
Emergency Room Care 100% after $75 co-pay 100% after $75 co-pay 100% after $75 co-pay 100% after $75 co-pay
(waived if admitted)(waived if admitted)
(waived if admitted)(waived if admitted)
Maternity Office Visits 100% after $30 co-pay 70% after deductib
le 100% after $25 co-pay 70% after deductible
(initial visit only)
(initial visit only)
Medco Prescription
Drug CoverageMedco will administer the 2009
prescription drug program.
Find out whattier your
prescription drug(s) will
be listed under in 2009.
Visit www.medco.com
or call 1-800-711-0917 to
see if your prescription(s) is
on the Medco Formulary.
If your prescription isn’t,
ask your doctorif a lower-
cost generic medication or
comparable brand name on
the preferred list is right
for you.
Fast facts! About your 2009 Medco prescription drug program:
A Change for the Better
Below is a high-level comparison of the Total Health and Total Health Plus Plans. Note there will no longer be a separate
Urgent Care co-pay. Your co-pay for unexpecte
d care at an Urgent Care Clinic or your doctor’s office will be determined
by the level of service provided and how it is billed. Please
see the Intranet for full plan details.
OVERVIEW OF PLAN COV
ERAGE
1 Out-of-network benefits are based on the Reasonable & Customary charges. You
are responsible for any charges in excess of the amount paid
by the Plan.
2 Each person must satisfy the individual deductible. For fa
mily coverage, expenses for multiple covered family members may be used to satisfy
the family deductible. However, no one person can satisfy more than his/her individ
ual deductible.
3 Out-of-pocketmaximum does not include the annual deduc
tible.
4 For family coverage, noone person can meet more than his/her individ
ual out-of-pocket maximum. However, ex
penses for multiple covered
family members may be used to meet the family out-of-pocketmaximum.
You’ll have access
to the same vast
network of participating
pharmacies and the
Medco by Mail Program,
which is cost-effective
and convenient.
Your level of benefits
will still be based on a
three-tiered co-payment
plan structure.
You’ll pay the same
co-pay for each tier of
prescription drugs.
Check Medco’s
prescription formulary
list for 2009.1 2 3 4
Your current elections, exce
pt for FSAs, will transfer aut
omatically to Aetna as of Jan
uary 1, 2009, unless you cha
nge your levelof coverage o
r you chooseto waive cove
rage.
TIP:
Medical and dental preventi
on is still the best medicine.
Don’t forget your annual physica
ls, routine medical screenings an
d dental cleanings twice per
calendar year, which are all FREE
when you’re enrolled in either th
e Total Health or Total Health P
lus Plan.
Pay Lessfor YourMedication
Your health doesn’t have to
cost you a fortune. You can
reduce your out-of-
pocket prescription drug ex
penses and save money.
Pay less for your prescripti
ons by switching to generic
s. Your generic drug
co-pays are always less than those for preferred brand name drug equivalents,
plus they’re equally effective. So,be sure to ask your doctor or
pharmacist if
a generic form of your current preferred brand prescription(s)
is available and
right for you.
Buy 2 prescriptions, get 1 F
REE with Medco by Mail. U
se this home delivery
service for prescription drugs you take regularly, inclu
ding oral contraceptives
or medication for chronic conditions, such as asthma and diabetes. You
can
receive up to a 90-day supply of medicine through Medco by Mail for the cost
of a 60-day supply from a retail pharmacy – that’s three months for the price of
two! Just askyour doctor to
write a 90-day supply prescription (in generic form
when possible), instead of a 30-day prescription with two refills. Then, d
ownload
an order form at www.medco.com or call the Medco Pharmacy Help Desk
at 1-800-922-1557 and order your pre
scriptions online, by phone or mail.
Know More, Feel Better, Stay Health
y
When you or a family member needs care, or evenjust
medical advice,it can be difficult and confusing to know
where to turn. The good news is you don’t have to navigate
the healthcare system and decision-making process on
your own. Since J.CREW cares about you and your family,
we’ve assembled an enhanced system of services, support
and resources—at no additional cost to you. What’s more,
you can be sure you are receiving services with the strictest
of confidenceand that your priva
cy is always protected.
Effective January 1, 2009, associates who are enrolled in
either medical plan option will have access to these new
and enhanced services and resources:
• The 24/7 Nurse Line at 1-800-556-
1555 is a
convenient way to get answers to your health questions
or concerns anytime, day or night. If you’re dealing with a
health issue and you’re not sure what to do next, call the
24/7 Nurse Line to talk with a registered nurse who can
help you consider youroptions and make an informed
decision on the best course of action.
• The Maternity Support Se
rvice Line at 1-888-277-1057
is staffed by dedicated maternity nurses who work with
expectant mothers and offer support through all stages of
pregnancy, giving mothers and their babies a
healthier start.
• The Personal Nurse Adv
ocate Serviceat
1-888-277-1057 offers support for a
wide variety
of medical conditions, such as asthma, diabetes and
depression management. A registered nurse will work
with you, helping you develop a personal action plan to
better manage your conditionand avoid unnecessary
complications to improve your quality of life.
• The Behavioral Health S
upport Service Line at
1-888-277-1057, which complements the Employee
Assistance Program (EAP), specializes in stress and
depression management, substance abuse problems and
medication management. Professional counselor
s are
available, 24 hours a day, 7 days a week, to provide
private, confidential assistan
ce – whether it’s answering
your questions, helping you locate the right network
provider for outpatient couns
eling or arranging hospital
admissions for you or a covered family member.
Plus, by just logging on to www.aetna.com you’ll find a
wealth of healthcareinformation at your fingert
ips. You can
complete an online health risk assessment to receive a
snapshot of your health along with a personalized Health
Profile and register to participate in special programs that
focus on your specific health needs and issues.
Aetna’s Dental Coverage
Beginning January 1, 2009, yourdental coverag
e will be administered through Aetna’s Dental PPO
network. Thismeans coverage through the UHC network will end as of December 31, 2008.
VSP’s EnhancedVision Coverage
The Vision Plan will continue to offer valuablecoverage administered by Vision Service Plan (VSP).
Plus, effectiveJanuary 1, 2009, when
you visit a VSP provider you’ll receive:
• a $150 reimbursement (previously$120) towards
the purchase of frames AND/OR
• a $130 reimbursement (previously$120) towards
the purchase of contact lenses.
Want to find out more about
your dental and vision benef
its?
Just visit the Intranet for full plan
details on theseand all other
associate benefits that are a part
of the J.CREWBenefits Program
.
Be sure to present your new
Aetna Medical/Prescription
ID card to your doctor(s) an
d pharmacistat your first v
isits in 2009.
Fast facts! About your Dental Coverage
administered by Aetna:
Aetna has a vast
nationwide network
of dentists and dental
professionals.In fact,
the Aetna network
includes the majority of
our associates’ current
dental providers. Go to
www.aetna.com/docfind
to review the list of
participating dentists
in your area.
The Aetna Dental Plan
will offer the same
dental benefits with the
same out-of-pocket
costs you have now.
Again, your current
coverage will transfer
automatically from
UHC to Aetna as of
January 1, 2009, unless
you elect to change
your level of coverage
or you choose to waive
coverage.
1 2 3
TIPS FOR SCRIPTS
TIP:
2009 will offer a New Carrier,the Same Great Coverage and Better ProgramsIn our effort to continue offering high quality benefits to you and your family, J.CREW
Group, Inc. will be switching to a new carrier. With this change, you will receive enhanced
benefits and new personalized wellness and health care management programs—through
a network that includes most of the providers you’ve come to know and trust. That new
carrier is Aetna, a name we’re sure you’ll recognize as a national leader in healthcare with
a fine network of doctors and hospitals.
OPEN ENROLLMENT: NOVEMBER 3 – 14, 2008
J.CREW Open Enrollment is November 3 – 14, 2008
As you prepare for the 2009 Open Enrollment, you’ll find switching from UnitedHealthcare (UHC) to Aetna is pretty easy.
However, it’s important that you understand the upcoming enhancements and changes to your benefits for 2009 so you
can decide which coverage is best for you and your family in the upcoming year. Review your enrollment information
carefully. Then, take advantage of all our benefits program has to offer, including programs designed to keep you and
your family members in good health!
• Aetna will be the new medical carrier, offeringcoverage through the Choice POS II network.
• New and enhanced wellness and health caremanagement programs will be available.
• The Total Health and Total Health Plus Plans willcontinue to offer the same medical benefits.
Medical
• Aetna will be the new FSA administrator forthe 2009 plan year. • Eligible medical, prescription drug and dental
expenses will automatically roll over to yourFSA for reimbursement.
FlexibleSpendingAccounts(FSAs)
• Certain prescription drugs will change tiers. • Retail and mail order (Medco by Mail) prescriptiondrug co-pays will remain the same for each tier.
• Medco will continue to offer the same networkof participating pharmacies.
PrescriptionDrugs
• Aetna will be the new dental carrier, offeringcoverage through the Aetna Dental PPO network.
• The dental benefits will remain the same.
Dental
• In-network benefits for frames and contactlenses will increase. • Vision Service Plan (VSP) will continueadministering vision benefits.
Vision
What’s Changing
What’s Staying the Same?
• The cost of coverage for both the Total Healthand Total Health Plus Plans will change.
• Your one premium will include medical,prescription drug, dental and vision coverage.
Your Premium
What You Needto Know and DoAs of January 1, 2009, your currentelections and level of coverage formedical, dental and prescription drugswill transfer automatically from UHC toAetna at the 2009 premium contributionrate. Remember, you must activelyenroll during the Open EnrollmentPeriod of November 3 – 14, 2008 tochange your elections or to participatein one or both Flexible SpendingAccounts (FSAs) in the 2009 plan year.Be sure to review your options andcosts carefully to be sure they continueto meet your needs and fit within yourbudget next year. This newsletter isintended to help you:
• Understand all that the 2009 J.CREWbenefit package has to offer you andyour family.• Decide if you want to make anelection change—Open Enrollmentbegins on November 3 and ends onNovember 14, 2008.• Enroll conveniently and securely fromyour computer using the J.CREWSelf Service. See the enclosed insertfor instructions.
• Learn how your coverage willtransition from UHC to Aetna(medical and dental) and Medcoas of January 1, 2009.• Check your personal information—including name, address andbeneficiary designation(s)—by visitingthe J.CREW Self Service. Make sureeverything’s up-to-date so youreceive your new 2009 Aetna IDcards in December and otherimportant information in the future.
HIGHLIGHTS FOR 2009
Remember, you must actively enroll to change your elections or to participate in one or both Flexible Spending Accounts (FSAs) in 2009.
TIP:
benefits news
rintP
rintPThe ability to make tax-advantaged contributions to save for retirement?
what features are important to you?
Your medical plan checklistAll of the L’Oréal Medical Plans include medical, prescription drug and
vision benefits, along with wellness resources and tools. However, they
also have different features, benefit levels and contributions. Use the
answers to the following questions, your personalized enrollment
worksheet and the comparison tools in this Guide and online at
www.uhc.com or www.aetna.com to help you compare your options
and choose the best option for your family.
One physician to coordinate your medical care?
Lower employee contributions with higher deductibles
and financial protection when you need it?
Higher employee contributions in exchange for greater out-of-network
coverage, including lower deductibles and higher coinsurance?
Flexibility to visit in- and out-of-network providers at any time?
12
■ Yes ■ No
■ Yes ■ No
■ Yes ■ No
■ Yes ■ No
■ Yes ■ No
■ Yes ■ No
■ Yes ■ No
■ Yes ■ No
Access to specialty pharmacy services?
Extra discounts and resources to help you save money and manage your health?
Coverage for all of your dependents?
Take advantage of all that L’Oréal offers and select the Medical Plan that is right for you.
2008 ENROLLMENT GUIDE
YOUR L’ORÉAL BENEFITS
rintPl o rea l .se l fserv icenow.com
balancedlivingARAG Legal Services MetLife Auto and Home Insurance Vision One Vacation Enhancements Maternity, Adoption and Infertility Benefits Educational Assistance EAP Services
VOLUNTARY AND WORK/L IFE PROGRAMS
interested? take a flyer below
howmuch?
help!
parenthood
envision
knowledgevacation
L’Oréalcares
What do you need to do?Submit your completed CHA to Gordian Health
Solutions and receive a wellness incentive in your paycheck.How do you do it?Submit your completed paper CHA to Gordian Health Solutions.
ORVisit www.HealthyBenefitsOnline.com and complete the CHA online.
Still have questions?Can’t find your packet, need your Personal ID Number
or have questions about completing your CHA? Call Gordian Health Solutions at 1-800-543-3785.
Step-Up to AHealthier You!
...to get the wellness incentive!
there’s still time... If you have a chronic condition, such as asthma, diabetes or heart disease,
take advantage of FutureHealth®, an important part of L’ORÉAL USA’s
medical benefit program.The FutureHealth® program:• Provides education to help you take charge and manage your condition
• Supports, but does not replace, your doctor’s advice• Reinforces healthy habits so you can lead a healthier life
Step-Up to AHealthier You!
Call FutureHealth® toll-free 1-888-254-1251 or visit
www.myfuturehealth.net.
It’s FREE and it’s confidential
If you’re living with heart disease, you’re not alone.
If you or a covered family member is participating in a L’ORÉAL USA medical benefit
program and has a heart condition, don’t go it alone!
FutureHealth® can help. Your healthcare benefits provide free access to the personal
health coaches at FutureHealth®. Your health coach can answer questions about diet
and medications to keep your heart as healthy as can be.
Call FutureHealth® today. Take this important step to leading a happier, more productive
life by enrolling in the FutureHealth® cardiac program.
Step-Up to AHealthier You!
It’s FREE and it’s confidential
Call FutureHealth® toll-free 1-888-254-1251 or visit
www.myfuturehealth.net. Join today!
rintPWhat empowers you?
Good health. Respect. Friendship. It’s essential to protect the things
that empower you to reach your goals. Good health can be an
important part of realizing your personal and career aspirations.
Be one of the first L’Oréal employees in 2007 to complete a Health
Risk Assessment (HRA) provided by Aetna and Simple Steps. If you
are one of the first 25 employees to complete the HRA, you will
receive a free month of medical insurance, as well as entry
into drawings for fantastic prizes later in the year.
If you have already completed the HRA, congratulations! You took
an important step toward improving your health.
What Inspires You?
Family. Dreams. Career. These may be some of the
reasons you look forward to the future and feel
inspired to live a healthy life.
Starting May 15, 2007, you can complete the
confidential Health Risk Assessment (HRA) and learn
how to make healthy changes to benefit your future.
How about free health care?
The first 25 employees to take the HRA will receive
a free month of medical insurance. Additionally, you
will automatically be entered into a drawing for great
prizes later in the year.
What moves you?Progress. Success. Responsibility.It takes work to stay motivatedand focused on your life goals.Take this opportunity to set a goalfor better health.
You must complete your HRA by June 15, 2007, for a chanceto win a 26” LCD TV!
rintP
rintPMANAGEMENT PROGRAM
Helping You Take Care
where do
YOUsee yourself in 5 years?
Maybe your plans include professional development, starting a family, sending your children to college, traveling,
or preparing for retirement. Each of us has different goals and different visions for how our lives will evolve in the years to come.
But no matter what your plans include, there’s one thing that’s critically important for all of us in fulfilling our dreams—good health.
To help all Novartis people (our associates and their family members) obtain and maintain good health and the best care
if or when their health status changes, the Company is re-dedicating its commitment to overall health management. Why? Because
our mission to improve people’s lives means what it says—we want to help all people, the patients we serve, the communities that
depend on us and, perhaps most importantly, the people who make our mission happen, YOU!
Health Management, known at many other companies as “disease management,” is a series of programs designed to help people who
are managing chronic conditions. However, our approach is different. At Novartis, Health Management includes more than just the
expected programs. It is a holistic partnership between Novartis, medical plan and prescription drug carriers, our EAP provider and
others designed to help support all of us in the goal to achieve better health. Novartis wants to help people with newly diagnosed
conditions, providing them with a third party (Novartis benefit plan partners) to help them control their condition and to help them
keep the condition from escalating, and possibly reversing some of the negative effects of the condition.
We have challenged all of our health care partners (including CIGNA, Horizon, Mayo Clinic, Medco, Medstat, UnitedHealthCare, and oth-
ers with whom we work) to integrate their efforts on behalf of Novartis and its associates. We have worked hard to ensure that, no mat-
ter which medical plan you participate in, you will receive appropriate and meaningful outreach in the event you, or a covered family
member, are diagnosed with certain conditions.
Once diagnosed (or self-identified) with one of these conditions, patients will receive outreach, support, information and education from
specialists with whom we partner.
Health Management at Novartis:
Programs Designed with YOU in Mind
what’sinside!
1
Learn about our
Health Risks
2
See how it pays
to get fit
3
Read how people
are identified for
Health Management
• A s t h m a • C o r o n a r y D i s e a s e • D i a b e t e s • P r e g n a n c y • S t r e s s
Health
Start Your Engines NOWSince 2004, when Novartis* first implemented the Mayo Clinic HRA tool, we’ve learned that a significant
percentage of our colleagues and friends have some form of health risk. And yet, despite how tremen-
dously important it is to identify these risks early, we’ve recently seen a decline in the total number of
associates who have completed an Assessment.So, we’re asking that you take action: Complete a Mayo Clinic HRA. Today. Even if you’ve completed one in
prior years. Do your part to take care of smaller health problems now before they become larger and more
complicated later. Our goal is to meet the “Drive for 85,” achieving at least 85% associate participation in
the Mayo Clinic HRA by October 30, 2006.Completing the Mayo Clinic HRA is easy. Logon to www.novartishealthinfo.com from any computer, and
then link to the Health Risk Assessment. Or, logon to OneHealthLink at work and look for the Health Risk
Assessment link. The entire Assessment takes only 15 minutes. It’s fast, easy, and extremely convenient. But
most important? It might just help save your life.
Take The Test Drive That Could Help Save Your Life. You hear it a lot,
we know.Your spouse, partner, parents, even your kids want you to take better care of yourself.
But when it’s so hectic, your best intentions often fall by the wayside. So do something for
yourself: Complete a Mayo Clinic Health Risk Assessment (HRA) in the next few weeks. Not
only is it good for you; it’ll also save you money. And unlike everything else that’s supposedly
good for you, it’s painless and doesn’t taste bad—and you may even win some cool prizes!
1Take The Test Drive ThatCould Help Save Your Life.
2Learn How to WinCool Prizes!
3What is a Health RiskAssessment?
4Rules of the Road:Respecting Your Privacy
WHAT’S INSIDE
Get in the
FAST LANEfor the Health Risk Assessment
* For the purposes of this document, the term “Novartis” refers to the Novartis Group Company that employs you, such as Novartis
Pharmaceuticals Corporation, Novartis Corporation, or Novartis Institutes for Biomedical Research, Inc. as appropriate.
MANAGEMENT
PROGRAM
Helping You T
ake Care
Health85
Do Your Part for
the Drive for
The Health Risk Assessment is a critically important tool in our toolbox for encouraging health throughout the
Novartis community. In addition to helping you understand how to help yourself by determining which health conditions
(if any) you may be at risk for in the future, results from the Health Risk Assessment are used to help us:
1 Understand those conditio
ns that are most rele
vant to Novartis
associates.
2 Determine how to allocate Company resources among wellness and
benefit programs.
3 Monitor the impact and
efficacy of o
ur Health Management Program.
Annual Enrollment is a great time to focus on your health.
Our goal this year is to engage 85% of the associates who participate in one of the Novartis medical programs
to take a Health Risk Assessment. Please log on to www.novartishealthin
fo.com from any computer and link to the
Health Risk Assessment. Or, you can take the Assessment while you’re at work. Simply log on to OneHealthLink
and look for the Health Risk Assessment link. If you already Know Your Numbers via an on-site screening or a visit
to your primary care physician, completing the Assessment only takes 15 minutes or less.
Now That’s an Incentive
So, what’s in it for
you? We know you’re busy and that taking some time out of your day to complete a Mayo
Clinic Health Risk Assessment (although brief) can be bothersome. So, we want to make it worth your while.
Give us 15 (minutes) and we’ll give
you:
• 100 (dollars). Take 15 minutes to complete the Mayo Clinic Health Risk Assessment and you’ll save $100 on
your annual medical plan contributions (on a per-paycheck basis), effective January 1, 2008.
• 250 (points). When you complete the Mayo Clinic Health Risk Assessment, you’ll also receive 250 points
toward the EmbodyHealth incentive program. Use these points toward gifts and incentives of your choosing!
EmbodyHealth Incentive points are redeemable in 2 ways:
• Field Force employees can receive 1 AWARDperQ point at the end of each phase.
• All other employees can choose the gift card reward of their choice.
Please help us reach our goal of 85% participation and complete a Health Risk Assessment today!
Every step does count,and you'll be amazed at how quickly they add up...to better fitness! We are pleased to introduce a new fitness-based
program, Every Step Counts. This is no ordinary fitness program. Every Step Counts is designed to fit easily
into your lifestyle, both on and off the job.
Look for our kick off event in April, Walk to Wellness, an interactive program that shows you how making little
changes in your day (like taking the stairs instead of an elevator, taking a brief walk at the end of the day, parking
further away from a client's office than you ordinarily would) all add up.
Get involved, and win prizes! Watch for email blasts and postings on WebFSA. It's easy and fun—just take it one
step at a time!
2000 = 1MILESTEPSIt may sound like a lot at first, but you’ll be
up to your goal in no time!
rintP
rintPMake Your 401(k) Rock
Tune in to your 401(k)
and start saving today
for your future.
Get in sync with Cablevision!
We’ll match 50% up to the first
6% of pre-tax pay you contribute.
Turn up the volume of your
contributions. The more money
you put away now, the bigger
your savings could be later.
Mix up your investments.
Experts say diversifying
is the way to go.
Questions? Log on to https://www2.benefitsweb.com/cable.html, link through Marquee, or call 1-800-353-401K (4015). It’s that easy.
George Kalinsky/MSG Photos
Cablevision is not responsible for the performance of the investment funds.
The sooner you join the Cablevision 401(k) Plan,
the sooner your earnings can grow tax-deferred
and build over time. Join today.Go to https://www2.benefitsweb.com/cable.html,
link through Marquee, or call the Cablevision CHOICE
Retirement Center at 1-800-353-401K (4015)
Just press play!
Cablevision is not responsible for the performance of the investment funds.
Did you know Cablevision matches 50 cents on every pre-tax dollar you contribute,
up to the first 6% of pay? Enroll in your 401(k) Plan today. You’ve
met the service requirement, so you’ll already be 100% vested in any Company
match you receive. Don’t miss a beat.
Rock on!You would grab the chance to make an extra 50 cents on the dollar—right?
So why are you leaving free money on the table?
Log on to https://www2.benefitsweb.com/cable.html, link through Marquee, or call
1-800-353-401K (4015). It’s that easy.Cablevision is not responsible for the performance of the investment funds.
Can’t contribute more than 1% or 2% to your 401(k)?
Even if you start small you could save big.
Tune in, start saving, and make your future rock!
make your401(k) Rock
Get in sync with Cablevision—we’ll match 50%
of your pre-tax contribution up to the first 6% of your pay.
That can mean another 3% toward your savings!
make your
401(k) Rock
Geo
rge
Kal
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y/M
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rintP
rintPThis newsletter is intended for internal use only.
Continued on page 2
It’s Time to Spring into Action!
It’s a brand new season—kick it off with a commitment to a healthier you. A great first step is to schedule an annual check-up with your
doctor. Your Rabobank medical coverage pays the full cost of your family’s annual physicals when you visit an in-network doctor. (You’re
only responsible for a $10 copay per exam, whether you’re covered by UHC or Anthem).
The more you know, the healthier you can become. So, make the most of your doctor’s office visit by discussing any health concerns
you might have. Ask about any tests, screenings or immunizations he/she would recommend for you and your family based on your
ages and other risk factors. By being proactive, you can receive the right preventive care at the right time. See pages 3 and 4 for a
convenient check list of questions provided by Anthem.
Are You Pregnant or Planning
to be Soon?
We care about you and your growing family. That’s why your
Rabobank medical coverage includes FREE access to either UHC’s
Healthy Pregnancy Program or Anthem’s 360˚ Health Future
Moms. Each program provides:
A toll-free number to call and discuss pregnancy-related
• concerns with experienced nurses anytime, 24/7
An assessment to determine your risk of a premature
• delivery
Customized educational materials about prenatal care
• and maternity
To enroll in –
UHC’s Healthy Pregnancy Program, visit
www.healthy-pregnancy.com or call 1-800-411-7984.
To enroll in –
Anthem’s Future Moms, visit the
“Pregnancy” section under MyHealth@anthem—or
click here—or call 1-800-769-4896.
Rabobank Has
Heart…and is
Heart Healthy!
Rabobank is participating
in the American Heart
Association’s (AHA) Wall Street
Run & Heart Walk on May 19.
The event, which includes
both a competitive run and
non-competitive walk, is
the AHA’s national walking
fundraising event, held in
more than 400 communities
nation-wide. To find out more
and to register, contact Heather
McElrath at 1-212-309-5181 or
It’s not too late to start walking and enter to win!
If you missed out on the April 8 kick-off of National Start!
Walking Day, you can still join in the national campaign to
improve your health by walking as part of your daily routine.
To encourage your progress, Rabobank created an easy-to-use
tracking sheet to help you add up your total miles walked.
That way, you can see how far you’ve gone—or, should
we say, how far you’ve come! Click here to access the
tracking sheet.
If you walk and track 150 miles by June 30, be sure to complete
and fax, email or interoffice your tracking form to Heather
McElrath by 6 p.m. PST on June 30. Then, you’ll be entered
into a drawing to win a $50 Sports Authority gift certificate.
So, get walking!
WellnessRabobank’s Employee Benefits Newsletter
April 2009
This newsletter is intended for internal use only.
How your Rabobank benefits measure upDid you know that recent benefit benchmark studies show that most employers nationwide pay 75% to 80% of their employees’ total healthcare premiums? This means most employees pay up
to 25% of the cost of coverage for their benefits! On the
other hand, Rabobank pays 100% of the cost of healthcare
coverage – including medical, prescription drug, dental and
vision benefits – for you and your family. And, you can do
your part to help control our healthcare costs by managing
your health, leading a healthier lifestyle and using your
benefits wisely.
Continued on page 2
Rabobank and You – Making 2009 a Healthier Year
Put your health and your family’s health at the top of your New Year’s resolutions list – resolve to get well, stay well and make 2009 your
healthiest year yet. Start by making wiser lifestyle decisions and smarter benefit choices. And, Rabobank provides you with the benefits,
tools and resources you need to follow through on this resolution! By investing in your family’s wellness, you can gain more happy
returns, like better health and fewer medical bills.
Prevention is the best medicinePreventing an illness is easier and more cost-effective than trying to
cure or manage an illness. So start the year off right – schedule your
family’s free or low cost medical, dental, and vision preventive exams,
along with your routine medical screenings, available through your
Rabobank healthcare plans. For more information about your
preventive care coverage, access your medical benefits at
www.myuhc.com (UHC participants) or www.bluecares.com (Anthem
participants), your dental benefits at www.deltadentalins.com and
your vision benefits at www.vsp.com.
Save with these smart tips for scriptsManaging your health doesn’t have to cost you a fortune. You can
reduce your out-of-pocket prescription drug expenses and save money.
Switch to generics and pay less.
•
Your generic drug copay
generally will be less than those for preferred brand name
drug equivalents, plus they’re equally effective. So, be sure
to ask your doctor or pharmacist if a generic form of your
current preferred brand prescription(s) is available and right
for you.Use the mail order program and get 3 for the price of 1!
•
Both
Medco (UHC participants) and WellPoint NextRx (Anthem
participants) offer a convenient way for you to save time
and money on prescriptions taken regularly, including oral
contraceptives or medication for chronic conditions, such as
asthma, high blood pressure and diabetes. A 90-day supply
through the mail order program costs the same or less
than just a 30-day supply at a retail pharmacy! To find
out how much you can save, visit www.myuhc.com or
www.bluecares.com. Find out what tier your prescription drug(s) is listed
• under on the 2009 UHC Prescription Drug Lists (PDLs).
If you are a UHC participant, it’s important to remember
that several medications changed coverage tiers based on
these new lists, which are posted on www.myuhc.com. If the
prescription(s) you take switched tiers, ask your doctor if a
lower cost generic medication or comparable brand name
on the list is right for you.
Call the NurseLine anytime you need medical guidanceNeed medical advice in the middle of the night? Having
an allergic reaction and don’t know what to do? Worried
about possible drug interactions? Whenever you need answers to your healthcare related questions
and concerns – whether it’s discussing your treatment options
or understanding more about a health condition – the Nurseline
is there for you, providing the advice and information you need
whenever you need it. This is a valuable, personalized service.
When you call, you can speak with a registered nurse who will help
you with just about any concern you may have, no matter how
small or complicated. It’s completely confidential and completely
free. Just call: the • UHC NurseLineSM at 1-888-315-7257 or the • Anthem 24/7 NurseLine at 1-800-977-0027.
WellnessRabobank’s Employee Benefits Newsletter
January 2009
rintP
rintPBreaking out of the Debt Cycle
You are not alone. Consumer debt is at an all time high. There are no quick fixes, but you can take some
simple steps to help end the debt cycle. Recognize the warning signs of too much debt and understand the
benefits and hazards of using credit. Don’t let debt destroy your financial dreams.
Start managing your debt today with some of these helpful tips:
8
Don’t Stop Here—Call or Log on Today!
Great Ways to Start Saving
• Increase your 401(k) contributions by half of your raise each year
• Put your saving on auto-pilot by setting up a link to have a certain savings amount
transferred every pay period
• Track your spending closely for a month, and chances are you’ll be able to find small
ways to save that can really add up over time3Healthy
Money Quick TIPS!
• Limit yourself to one or two major credit cards
• Avoid impulse buying
• If you can’t afford it, don’t buy it
• Use cash instead of credit cards
• Avoid cash advances—many cards charge a fee for each cash advance
• Avoid the “minimum payment trap.” Apply for a lower rate card and transfer the
balance to that card or call your credit card company and ask for a better deal.
You may be surprised at the result!
Avoiding Identity Theft
Protecting your identity is an important part of your financial security. Our online Life
Event Guides provide sound advice on how to prevent identity theft and steps to take if
you think your identity has been stolen. Know the indicators of identity theft and be
vigilant. Check your credit report annually (you can get a copy online for free), and check
your financial accounts for unauthorized activity, unexplained charges or withdrawals.
?
Retirement Tips to Remember...
• It’s never too early to start saving
for retirement!
• Plan accurately for your future and
don’t underestimate your future needs.
• Think long term. Don’t be discouraged
by short term investment loss.
• Review your retirement plan
periodically. Your needs may change
over time—review them regularly
and plan accordingly.
Do You Have Enough Insurance?
Depending on your circumstances, you may need as much as 8 to 10 times your annual
pay in life insurance. Insurance is one of the most overlooked areas of financial planning,
but it is an indispensable part of your plan to protect your family’s future. Your insurance
needs will vary over your lifetime. Find the right balance between your needs and available
resources—check out our online Insurance Planning Guide for a comprehensive look at your
options. Then, call a financial counselor if you want to learn more!
rintP
1 PBG & You
p.2 p.3 p.3
In th
isis
sue 5 To-Dos for
EVERYPBG Employee
A RealHealthy Living Success Story
on the 2008Healthy Challenge!
At PBG, we believe that by working together, we can truly lead
healthier lives and build a stronger, healthier company.
This issue is dedicated to showing you how the smallest changes, made and kept one at a
time, can have a real impact on your physical and financial health. Inside you’ll find real tips
to help you make those first steps towards a healthier, more financially stable you.
BEN
EFITS
small steps to
You may be wondering why PBG spends the
time and money to offer you Healthy Living and HealthyMoney.
The great part is, it’s working. Real PBG employees around the country are exercising, getting involved in their
communities, and learning how to get financially fit—all with the help of Healthy Living and HealthyMoney.
SMALL STEPS TO...BIG BENEFITS!
Your One-Stop Wellness Shop May 2008
&
The Results are in…70% of PBG employees have completed a Wellness
Assessment so far this year. Remember, you need to take the Assessment to participate in
a Healthy Changes program and get your $100 Healthy Living MasterCard®! To get
started with a program, log on to pbg.online.staywell.com or call 1-800-784-9256.
The answer is SIMPLE
second year in a rowFor the second year in a row, PBG’s Healthy Living program has been
honored by the National Business Group on Health. The Best Employers for Healthy Lifestyles
highest-level Platinum Award recognizes PBG for its commitment to promoting a healthy
lifestyle for all employees. Congratulations and thanks to all Healthy Living participants!
A Healthy Changes program should be one of your very first steps!
rintPWomen who gain more than 20 pounds after
age 18 double their risk of post-menopausal breast cancer.
The probability of developing invasive
breast cancerover a woman’s lifetime is 1 in 8.
About a third of women experience no chest pain
at all when having
a heart attack.
Lung cancer rates are declining
for men; for women, they are increasing.
Heart diseaseis the number one killer of women
in the United States.
Did you know?PBG
rintP
rintP
rintPStrategic Advice Comprehensive due diligence and early integration planning are key drivers to a successful transaction.
Determining the strengths, opportunities and challenges of a deal helps both parties understand where
to focus resources and how the transaction can be beneficial for all involved.
Determining the operational effectiveness of a proposed transaction through a strategic review can
provide valuable insight into how the organizations will work together. Aon Consulting’s experts evaluate
a number of areas, including distribution and channel compatibility, and product offerings.
Our consultative process and deep understanding of the employee/employer relationship give us a
unique perspective—one that drives business success. Readily accessible and easily bundled, our products
and services are integrated into your organization with no interruption to your day-to-day processes.
Whether you are in need of targeted strategies or comprehensive, end-to-end solutions, Aon Consulting
provides a rational, fact-based approach, leveraging similarities between companies, identifying duplicate
functions, and building economies of scale to maximize the value of your assets through enhanced
performance.
Economic Slow Down:
Creating Unique Opportunities
The abrupt economic slow down is profoundly impacting the pace of merger
and acquisition activity, creating increased opportunity for cash-rich firms
to target underperforming organizations for takeover. As such, the pressure
grows to perform extensive due diligence around traditional financial and
liability fundamentals. However, in the current market, acquirers should pay
equal attention to the human capital elements of a transaction, a critical—but
often overlooked—factor in a deal’s return on investment. Culture clashes and
misaligned talent retention strategies are only a few HR issues that often end up
on balance sheets as a huge write-off.
It is critical to develop a value-driven HR strategy that identifies and mitigates
waste to support a company’s financial goals. Aon Consulting’s corporate
transaction practice is uniquely qualified to leverage both human and financial
capital to maximize the value of each deal. Our small, select team is equally
adept at partnering with firms to realize business cost objectives and return
on investment by managing companies’ costs and enhancing operational
performance.
Financial Opportunities
in Mergers and Acquisitions
For more information,
please contact:
Mark Arian
Executive Vice President
Corporate Transactions
t: +1.212.441.2034
Barry Greenstein
Senior Vice President
Corporate Transactions
t: +1.212.441.2622
rintPR E S T R U C T U R I N G A N D O N G O I N G O P E R AT I O N ST U R N A R O U N D A N D P E R F O R M A N C E I M P R O V E M E N T
A C Q U I S I T I O N S A N D I N T E G R AT I O N
DUE DILIGENCE PRODUCTS AND SERVICES
• Assess HR-related coststhat influence price, including employmentcontracts, compliancewith labor laws and
regulations, pensionrisks, assets, liabilities, financial and culturalimplications
• Perform Leadership Assessment to makedata-driven decisions on the best talent formission-critical jobs
• Design and execute specific M&A rewardprograms (e.g., changein control, severance, integration incentives,retention vehicles)
N O W I S T H E T I M E T O C O N S T R U C TAcquisitions and integration. Two poisons ran away. One extremely quixotic
Macintosh quickly tickled five elephants. Bourgeois tickets cleverly untangles five
irascible Klingons, because one dwarf laughed. Two mats telephoned umpteen
botulisms, and the almost obese wart hog marries subways, yet five chrysanthe-
mums extremely quickly towed Klingons, and umpteen aardvarks auctioned off
two lampstands. Five elephants telephoned Quark.
3. A C Q U I S I T I O N S A N D I N T E G R AT I O N
R E S T R U C T U R I N G A N D O N G O I N G O P E R AT I O N S
T U R N A R O U N D A N D P E R F O R M A N C E I M P R O V E M E N T
A C Q U I S I T I O N S A N D I N T E G R AT I O N
D U E D I L I G E N C E
The time isNow.A O N C O R P O R A T E T R A N S A C T I O N S
rintPFrom the outside all companies look the same but when you take a
closer look you’ll see things are very different at Mars. We encourage
independent thought, collaboration, and an entrepreneurial spirit. The
status quo is not enough at Mars.
What we offer and what we expect may not be for everyone but it
may be for you.
DISCOVERWhat’s Different About Mars
rintPFrom the outside all companies look the same. But when you take a closer look you’ll see
things are very different at Mars. We encourage independent thought, collaboration, and
an entrepreneurial spirit. Our principles guide the way we work every day. It’s a difference
worth discovering. Discover what’s different at www.mars.com/jobs
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What’s Different About Mars
From the outside all companies look the same. But when you take a closer look you’ll seethings are very different at Mars. We encourage independent thought, collaboration, and an entrepreneurial spirit. Our principles guide the way we work every day. It’s a differenceworth discovering. Discover what’s different at www.mars.com/jobs
DiscoverDISCOVER
From the outside all companies look the same. But
when you take a closer look you’ll see things are
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What’s Different About Mars
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Discover
Discover what’s different at www.mars.com/careers
From the outside all companies look the same. But when you take a closer look you’ll see things
are very different at Mars. We encourage personal growth, collaboration, and an entrepreneurial
spirit. Our principles guide the way we work every day. It’s a difference worth discovering.
Discover what’s different at www.mars.com/careers
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•
rintPDon’t let
Jon Corzine
and the
Toms River
Democrats
raise our
taxes.
Haven’t we had enough of higher taxes?
Vote NO to the Toms River Democrats.
Thanks to Jon Corzine, New Jersey’s taxes are
the highest in the country.
The policies of Jon Corzine and the Toms River
Democrats led to our revaluation and property
tax increases. Now they have plans to raise our
property taxes even more. They will bring bigger
government, out-of-control spending and higher
taxes to our town.
Don’t let the Toms River Democrats turn our town
into the other large towns controlled by Democrats
like Jersey City, Newark, Camden and Trenton.
We can’t afford to let Jon Corzine and the Toms
River Democrats raise our taxes.
Paid for by Maria Maruca, Brian Kubiel, Maurice Hill
and Greg McGuckin, and the Committee to Elect
George Wittmann; Carmen J. Memoli, Treasurer.
230 Main Street
Toms River, NJ 08753
PRSRT. STD.
U.S. Postage
PAID
Permit #240
Toms River, NJ
DON’T LET IT HAPPEN.Vote NO to the Toms River Democrats.
Jon Corzine and the Toms River Democrats have a plan:Turn Toms River into a big spending, big taxing, big government town.
rintPAcross Michigan, people are feeling the burden of higher gas prices...
Tim Walberg’s No More Excuses Energy Plan
Paid for by Walberg for Congress
www.walbergforcongress.com
Tim Walberg’s No More Excuses Energy Plan will lower
energy prices for families and small businesses and create good-
paying, American jobs.
Tim’s bipartisan plan will increase our domestic energy exploration in an
environmentally safe way in the Gulf of Mexico, Outer-Continental shelf,
and ANWR. It will also increase our refinery capacity, allowing America
to produce more gasoline and lower the price.
Tim’s plan also calls for an increase in the use of solar, wind and other
renewable sources of energy, and encourages conservation. It’s a
comprehensive plan that can end our dependence on Middle East oil.
It’s time America solves its energy crisis — No more excuses.
• Immediately allow environmentally safe exploration in the Gulf of
Mexico, Outer-Continental Shelf, and ANWR
• Promote solar, wind and renewable alternative energies
• Build new refineries and nuclear energy plants
• Encourage conservation
Tim Walberg for Congress
Jamestown Associates6769 Teachout RoadTipton, MI 49278
www.walbergforcongress.com
Tim Walberg for Congress
PRSRT STDU.S. Postage
PAIDPrinceton, NJPermit No. 123
Michigan families can’t afford to wait
My No More Excuses Energy Plan will increase
American energy production and bring down costs at the pump.
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Cengage Online BenefitsService Center
nteractiveIHOME ENROLLMENT BENEFIT INFORMATION YOUR BENEFIT STATEMENT
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Site MapThe following is a map that outlines the different benefits and human resources-related topics under
each of the drop-down menus located along the top of the screen. This map will help you find the
information you’re looking for on this site.
Home Enrollment Benefit Information Your Benefit Statement
• Change Your Password • Life Events • Documents • Benefit Statement
• Hot Topic – SPDs
• Feedback – Forms
• Search • Information
• Site Map – Life Events
– Faqs
• Glossary
• Contacts
Quick LinksView your personal information here.
Change your password here.
You need Adobe Reader to view the
PDF file on this site. Download Adobe
Reader, if you don’t already have it.
Get contact information on benefit
providers and health care providers.
Download benefit forms.
View information on marriage, birth,
retirement or other life events.
Don’t see what you’re looking for?
View the Site Map here.
HOME ENROLLMENT BENEFIT INFORMATION YOUR BENEFIT STATEMENT
Home Print Log off
Search
Site MapThe following is a map that outlines the different benefits and human resources-related topics under
each of the drop-down menus located along the top of the screen. This map will help you find the
information you’re looking for on this site.
Home Enrollment Benefit Information Your Benefit Statement
• Change Your Password • Life Events • Documents • Benefit Statement
• Hot Topic – SPDs
• Feedback – Forms
• Search • Information
• Site Map – Life Events
– Faqs
• Glossary
• Contacts
Quick LinksView your personal information here.
Change your password here.
You need Adobe Reader to view the
PDF file on this site. Download Adobe
Reader, if you don’t already have it.
Get contact information on benefit
providers and health care providers.
Download benefit forms.
View information on marriage, birth,
retirement or other life events.
Don’t see what you’re looking for?
View the Site Map here.
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