WELCOME TO YOUR 2014 OPEN ENROLLMENT!

The following benefits are offered…

Supplemental Benefits Provided by

oShort Term DisabilityoAccident oCanceroCritical Illness

Flexible Spending Accounts Provided by

oMedical Care FSAoDependent Care FSA

Supplemental benefits provide…

Benefits paid directly to you – not your hospital; not your doctor.

Benefits are paid regardless of any other benefits you may have with other insurance companies.

Benefits that do not coordinate, integrate or offset with other sources of income or other coverages.

(What you see is what you get)

Benefits paid to help offset out-of-pocket expenses and help pay for everyday living expenses.

Benefits paid for cancer screening and wellness checks for early detection.

(Colonial pays on multiple policies)

Key features of DisabilityThis plan replaces a portion of your income if you become totally disabled due to a covered off job accident or sickness..

Plan design…•Up to $6,500 per month / up to 60% of income

•Select from 3 or 6 month benefit period (provides financial protection before your LTD starts paying)

•Waiting period starting at 0 days for Accident and 7 days for sickness

•Partial/residual disability benefit

Key features of AccidentThis plan provides lump sum benefits to help offset unexpected medical expenses due to an on or off job accident. Optional spouse disability rider available up to $1,500 per month.

Plan design…Includes Wellness Benefit:$50 paid per person / per calendar year

Pays lump sum benefits for:

•Emergency Treatment

•X-ray Benefit

•Ambulance/Air Ambulance

•Dislocations/Fractures

•Surgical Benefits

•Transportation/Lodging

•Hospital/ICU Admission and Daily Confinement

•Follow-Up Care

•Accidental Death and Dismemberment

•Catastrophic Accident

Key features of CancerThis plan provides lump sum benefits in the event of a cancer diagnosis. Helping to offset out-of-pocket expenses for indirect non-medical costs associated with cancer. Optional Initial Diagnosis rider up to $10,000 is available.

Plan design…Includes Cancer Screening/Wellness Benefit:$100 paid per person / per calendar year (level 3)$100 additional invasive diagnostic procedure (level 3)

Pays lump sum benefits for:•Radiation/Chemotherapy•Surgical Procedures•Anesthesia•Reconstructive Surgery•Experimental Treatments•Inpatient/Outpatient Benefits•Transportation/Lodging Benefits•Extended Care Benefits•Ambulance•Tranportation/Lodging

Key features of Critical IllnessCompliments your major medical by providing catastrophic care. This plan pays a lump sum benefit paid for initial and subsequent diagnosis of a critical illness.

Plan design…Includes Wellness Benefit:$50 paid per person / per calendar year

Employee face amount: $5,000 - $75,000Spouse face amount: $5,000 - $40,000Children: 25% of insured face amount

Provides benefits for…•Heart Attack•Stroke •Major Organ Failure•Kidney Failure•Permanent Paralysis•Coma•Blindness•Coronary Artery Bypass

Dependent Care Flexible Spending AccountElect a specified amount up to $5,000 per plan year to be subtracted from your gross earnings before payroll taxes are calculated. Use the money to help pay for qualified dependent care expenses.

“Use it or loose it” rule:

IRS rule requires you to forfeit any unused funds remaining in your FSA account at end of eligible claim year.

Have you checked your balance for 2014!

Medical Care Flexible Spending AccountElect a specified amount up to $2,500 per plan year to be subtracted from your gross earnings before payroll taxes are calculated. Use the money to help pay for medical expenses not covered by your health

To make the most of your benefit options…

Complete Interest Survey

Meet with a Colonial Life Benefit Counselor to help design your plan.

Enter to win a $10 gift cardNo obligation necessary!(3 drawings)

Have you filed for your annual Cancer Screening/Wellness claim?

Claims can be file for current year as well as previous years!