Benefits That Count. Colonial Life is the proud sponsor of SHRM s Annual Employee Benefits Survey. coloniallife.com

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1 Benefits That Count Coonia Life is the proud sponsor of SHRM s Annua Empoyee Benefits Survey cooniaife.com 1

2 Dear Empoyer: Randa C. Horn President & CEO Coonia Life & Accident Insurance Company 1200 Coonia Life Bouevard Coumbia, SC cooniaife.com Few things infuence job satisfaction and empoyee retention ike a good empoyee benefits package. Yet providing affordabe, competitive benefits isn t easy in today s economy. Coonia Life is recognized as a nationa eader in providing insurance benefits for empoyees and their famiies through the workpace. We take pride in heping empoyers find soutions to some of their most pressing benefits concerns through our portfoio of vountary benefits, our 1-to-1 benefits counseing and our outstanding customer service. We re peased to partner with the Society for Human Resource Management (SHRM) as the corporate sponsor of their annua empoyee benefits survey. This survey consistenty provides reiabe data to empoyers so they can make informed decisions about the benefits they offer empoyees. We ve provided an overview of recent SHRM survey resuts in this booket. I hope you wi find the survey resuts and the information about Coonia Life s vountary benefits hepfu to you in addressing your empoyee benefit concerns. Pease fee free to ca on your oca Coonia Life benefits counseor for more information about how we can serve you. Sincerey, Randa C. Horn President and CEO Coonia Life

3 2010 Empoyee Benefits A summary of a Research Report by the Society for Human Resource Management Economy Affects Empoyee Benefits According to a new survey of human resource professionas, the vast majority of their organizations have been impacted by the recent economic recession. So it s no surprise empoyee benefits have fet the squeeze. The 2010 survey of human resource professionas was conducted by the Society for Human Resource Management (SHRM) in February. Coonia Life sponsored this annua empoyee benefits survey for the third consecutive year. Impact of Economic Downturn on Organizations 66% To Some Extent 29% To Large Extent 5% To No Extent 95 percent of organizations report being affected by the current economic situation. Source: 2010 SHRM Empoyee Benefits Survey Impact of Economic Downturn on Empoyee Benefits Offerings 63% To Some Extent 9% To Large Extent 28% To No Extent 72 percent of organizations report their benefits offerings have been affected by the economy. Source: 2010 SHRM Empoyee Benefits Survey 1

4 Percentage of Payro Spent on Empoyee Benefits Empoyers indicated the percentage of payro they spend on benefits to be reativey unchanged from Percentage of Payro Amount spent on mandatory benefits 19% (unempoyment, workers compensation, Socia Security) Amount spent on vountary benefits 18% (medica pans, denta pans, prescription coverage, FSAs, vision pans) Amount spent for time not worked 11% (vacations, hoidays, persona, bereavement, sick eave) Fewer Organizations Review Their Benefits Pans Annuay Fewer empoyers reported reviewing their benefits programs annuay in 2010 than they did in % Annuay 81% Annuay 79% Annuay In 2010, 79 percent of empoyers reported reviewing their benefits pans annuay, down sighty from 81 percent in Source: 2008, 2009 and 2010 SHRM Empoyee Benefits Survey 2

5 Benefits Offered in 2010 The SHRM survey reveaed the percentage of empoyers offering the foowing benefits in % denta 87% ife 85% chiropractic insurance 82% accidenta death & dismemberment insurance 82% menta heath 77% vision 76% ong-term disabiity insurance 72% medica fexibe spending accounts 72% dependent care fexibe spending accounts 71% short-term disabiity insurance 58% ife insurance for dependents 44% suppementa accident 43% heath care premium fexibe spending accounts 31% ong-term care insurance 31% cancer 30% fu fexibe benefits pan 21% critica iness 19% intensive care 19% hospita indemnity Average Heath Care Cost Per Empoyee (by Organization Staff Size) 1 Overa $7,038 Trends in Benefits Offerings The SHRM survey ooked at trends in benefits offerings over the past five years (since 2005). The foowing benefits are offered ess often than they were five years ago: o contraceptive coverage o hospita indemnity insurance o ong-term care insurance The foowing benefits are offered more often than they were five years ago. o menta heath coverage o rehabiitation assistance Payro deduction is offered by 93 percent of empoyers. Sma (1-99 empoyees) $6,706 Medium ( empoyees) $6,775 Large (500 or more empoyees) $8,026 3

6 Concusions Athough more empoyers said their benefits offerings were negativey impacted by the economy this year, the 2010 SHRM study found that empoyee benefits remained reativey steady in The fact that empoyers have not made drastic reductions in their benefits pans is encouraging. Benefits remain an important infuencer of job satisfaction. Making sure empoyees understand their benefits packages becomes even more critica in ight of workers increased responsibiity for decision-making and the impending changes in heath care egisation. Empoyers have an unprecedented opportunity to maximize the vaue of the benefits they re offering by heping empoyees better understand and appreciate their benefits packages Empoyee Benefits: Examining Empoyee Benefits in the Midst of a Recovering Economy The 2010 SHRM (Society for Human Resource Management) Empoyee Benefits Survey was conducted in February 2010, from a randomy seected sampe of the organization s membership database. Coonia Life was the first corporate sponsor of the empoyee benefits survey in 2008 and has sponsored the survey each year since then. *Not a compete ist 1 SHRM Heath Care Benchmarking Database,

7 Benefits and Education Having to make a choice between offering an attractive, robust benefits package (which digs into profits) or cutting back on tota offerings (and risk osing empoyees to the competition) eaves many businesses caught between a rock and a hard pace. As heath care costs continue to escaate, business owners can simpy no onger absorb additiona costs. On the other hand, most owners don t have the time or expertise to continuay shop around for a benefits package that best suits their needs. 5 hat can you do?

8 Buid a Persona Benefits Program You Can Count On Coonia Life s persona insurance products and services can hep you: Reaize tax savings for you and your empoyees. Communicate the vaue of your benefits package to retain empoyees and reduce turnover. Fi in gaps in existing benefits coverage. Medica Wages Retirement Income Protection Medica Hospita Confinement Indemnity Insurance Accident Insurance Limited Benefit Medica Pan Required Benefits Catastrophic Iness Survivor Benefits Income Protection Disabiity Insurance Catastrophic Iness Cancer Critica Iness Insurance Survivor Benefits Life Insurance 6

9 Enhanced Benefits and Tax Savings You Can Count On Coonia Life can assist you in putting into pace a Fexibe Benefits Pan (POP) to hep ensure you are in compiance with Section 125 provisions and reguations, whie reducing taxes for both you and your empoyees. Reduce payro taxes. Increase empoyees spendabe income. Without Fex With Fex Gross Pay $1, $1, Pre-taxed Deduction (Eigibe Benefits) - $ $ Taxabe Amount $1, $ FICA, Federa Tax and State Tax Post-Tax Deduction (Eigibe Benefits ) - $ $ $ $0.00 Spendabe Income $ $ Savings Per Period $45.72 Tota Annua Savings $1, *Based on 24 pay periods 7

10 Benefit Communications You Can Count On Communication + Good Benefits = Lower Turnover A 1-to-1 meeting with a Coonia Life benefits counseor enabes each empoyee to: Personay review their current benefits. Meet individua needs. Consider new options. Understand how those options affect their paycheck. Understand and appreciate what you the empoyer contribute. Persona saary iustrations outine the empoyees benefit seections and how each affects their paycheck, so there are no surprises ater on when the first deductions are made. 8

11 Easy, Time-Saving Administrative Services You Can Count On Through an arrangement with CCH (Commerce Cearing House) Inc., we offer you access to CCH s HRAnswersNow website. Gives you a direct ink to vauabe human resource poicies and guideines. State and federa aws and reguations. Expained in everyday anguage. 9

12 Coonia Life Services You Can Count On Makes offering vountary products quick and easy. See a snapshot of your account and make updates to empoyee information in rea time. Provides access to vauabe resources and toos. These web-based services are designed to provide you with a quick and easy paperess biing process. What s New in our What s New section find the atest news and information to CooniaConnect, the current issue of the CooniaConnect Newsetter, as we as updates to the Service Goa Report Card. CCH HRAnswersNow Compensation Discosure Information Research Study Shows How Sma Business Can Get Big Benefits Check out Coonia Life s newest white paper on sma business and vountary benefits in the newsroom of our pubic website at HYPERLINK "http://www.cooniaife.com/ About/Newsroom"\o "http://www.cooniaife. com/about/newsroom" com/about/newsroom. Sma Business: Big Benefits, How Smaer Empoyers Can Use Vountary Benefits to Create a Competitive Advantage expores some of the key benefits concerns faced by sma business and the roe vountary benefits can pay in soving some of these concerns. 10

13 Persona Insurance Products and Superior Services You Can Count On You can count on Coonia Life as a ong-term partner to hep you: Keep your costs down. Fi gaps in your benefit programs. Enhance empoyee appreciation of what you do for them. Reaize tax savings. Consider new options. Hep protect your empoyees in 3 easy steps: Gather your information. Schedue group and 1-to-1 meetings. Count on Coonia Life to do the rest. 11

14 Fast facts about Coonia Life Headquartered in Coumbia, SC Founded in ,100 empoyees. Approximatey 8,000-member independent contractor saes organization nationwide. 5,900 active Coonia Life-contracted brokers. Offers a broad portfoio of persona insurance products incuding disabiity, accident, ife, cancer, critica iness, hospita confinement indemnity and imited benefit medica coverage. Industry Leader Named Number One worksite marketing/ vountary benefits company by members of the Nationa Association of Heath Underwriters (NAHU) March 2010 Continues to be a eader in benefits communication and education, enroment and customer service, whie providing persona insurance products to empoyees and their famiies through the workpace. Operates in 49 states and the District of Coumbia. In New York, simiar products and services, if approved, are underwritten by a Coonia Life affiiate, The Pau Revere Life Insurance Company. Serves more than 65,000 businesses and organizations. 1 Approximatey 2.9 miion poicies in force. 1 Is a stand-aone subsidiary of Unum Group, a Fortune 500 company and a market eader in disabiity, critica iness, ife, ong-term care and vountary benefits. Received Readers Choice Awards for best consumer-driven heath care product, best imited-benefit medica product, best broker reationships, and most innovative technoogy product. 2 1 Coonia Life & Accident Insurance Company corporate records as of year-end Benefits Seing Magazine,

15 Important Service Numbers Dedicated Pan Administrator Service Center To-Free Monday through Friday, 8 a.m.-7 p.m., Eastern Time. Pan Administrator Fax hours a day, 365 days a year. CooniaConnect for Pan Administrators SM Website: cooniaife.com The CooniaConnect site is your access to our E-Services. Join this website, designed excusivey to support our pan administrators, to: Utiize your E-Services. E-mai questions. Access the CCH HRAnswersNow website. Active Coonia Life accounts can join the site simpy by competing an eectronic form, accessibe through our website at cooniaife.com. Just go to the Customer Support ink, then Account Services. 13

16 Notes: 14

17

18 Coonia Life 1200 Coonia Life Bouevard Coumbia, South Caroina cooniaife.com Coonia Life & Accident Insurance Company. Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand. 8/

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