Physician Group Benefits

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1 Physician Group Benefits Strong Tradition, Powerful Partnership: Sun Life Financial and Medical Group Insurance Services, Inc. (MGIS) have partnered to become the nation s leading provider of Physician Group Disability and Life plans.

2 one two three International financial strength Experience meeting the unique benefit needs of physicians, dentists, and other medical professionals Ability to make things easy four Best-in-class contract features customized to a physician s or dentist s specialty

3 Physicians, dentists, and other medical professionals have unique needs as customers... Specialized coverage, and a focus on superior service. We are proud to offer you both. The Best in Group Benefits for Physician Groups When it comes to group benefits, physicians, dentists, and other medical professionals require special attention. Not only do these groups want hassle-free administration of their Disability and Life plans, they also have a wide variety of medical specialties, job capabilities, and compensation structures that require specialized plan designs. Since 1969, MGIS has arranged physician-specialized benefit solutions. They are now the nation s largest medical group administrator, and administer all Sun Life Financial Employee Benefits Group physician plans. Chartered in 1865, Sun Life Financial is an international powerhouse known for its impressive financial strength and stellar insurance products. As industry leaders, we have partnered together to offer physician groups the best in Group Disability and Life benefits. Look around, and you will soon discover that our combination of service and coverage is truly unbeatable.

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5 one We ll be here when you need us. International financial strength Sun Life Financial is an international financial services powerhouse, serving millions of people in the United States, Canada, the United Kingdom, Hong Kong, the Philippines, Japan, Indonesia, India, China, and Bermuda. The 3rd largest insurance company in North America, based on market capitalization, 2 we are a top 10 group insurance carrier in the U.S. 3 Choosing the most financially secure carrier for Group Disability and Life benefits is the best way to ensure that physician group employees receive the financial support promised to them whether they need that support today or decades into the future. Sun Life Financial enjoys independent ratings that place us among the top financial companies in North America. Ask your local Sun Life Financial Representative for a side-byside financial and rating comparison with other carriers. 1 You ll see that we re hard to beat. And don t you want that kind of financial strength supporting your Physician Group Disability and Life plans? Sun Life Financial Worldwide Operations Canada United States Bermuda Brazil Chile Argentina United Kingdom Ireland Bahrain India Singapore People s Republic of China Japan Hong Kong Philippines Indonesia Australia 1 For up-to-date ratings, please check the Investor Relations section of our corporate website at 2 According to Bloomberg as of April 1, Ranking based on inforce premium. For Life, JHA 2008 US Group Life Market Survey; for Disability, JHA 2008 U.S. Group Disability Market Survey; for Stop-Loss, internal market research.

6 two We have the expertise to offer the best. Experience meeting the unique benefit needs of physicians, dentists, and other medical professionals Physicians, dentists, and other medical professionals have unique service and insurance needs that can only be met by companies with extensive technical expertise. We have that expertise. In fact, we are a market leader in serving physician groups in North America. Over one million employees in the medical industry call on us for service. Together, Sun Life Financial and MGIS provide the best physician group benefit plans through our combination of specialized services, physician and dentist group knowledge and experience, and feature-rich products.

7 Serving physicians is our strength.three Ability to make things easy As the nation s largest provider of insurance services to physician groups, MGIS has the knowledge, the resources, and the consistent experience to assure our customers are well taken care of for all their group benefit needs. MGIS sees itself as a physician s advocate. More than 90% of our physician group customers renew with us every year... a statistic that serves as proof of our service excellence. Our Claims Promise All our physician groups are supported by a universal claims promise: Treat our customers with empathy and respect Act with integrity Apply the same claim review standards every time Make prompt payment of all eligible claims Provide clear, concise communication Experienced MGIS Account Managers The last thing a busy physician s or dentist s office needs is to worry about who to call with insurance questions. That s why MGIS Account Managers are the first line of support. Our team of professionals is specially trained to manage all areas of benefits administration, including enrollment, eligibility, communication, and claims. Our customers know they can count on their dedicated Account Managers for knowledgeable, prompt, and courteous service. Easy administration MGIS also makes things easy for our customers through technology. With the MGIS Compass Administration System, customers can pay bills online, see prior bills, see detailed account information, download census data, update employee information, and download forms. Best of all, because we recognize that no two practices are the same, billing information is available in a variety of formats through a hard copy list bill, an online bill, or over the phone by talking with one of our friendly Account Managers.

8 Dedicated disability claims center Our physician group customers enjoy the services of a dedicated disability claims center located in Portsmouth, NH. This center along with the liaison provided by the MGIS Account Manager assures an expert and hassle-free claims process. The Sun Life Financial Claims Center is staffed with professionals who are experienced in the unique needs of physicians, dentists, and other medical professionals including a wide variety of specialties and sub-specialties, compensation structures, and business organizations. The claims center has a wealth of resources available to it, including on-site physician and psychiatric consultants, a network of some of the best physicians and dentists in the U.S., a Certified Public Accountant, Registered Nurses, and Social Security advocates. Sun Life Financial s rehabilitation counselors have a deep understanding of health care occupations, enabling them to meet the specialized needs of physicians, dentists, and their staffs. Our world-class claims system allows us to quickly pull up a claimant s file and respond to questions on the spot. Our system also includes built-in workflows and automated correspondence, so we can make claims decisions more quickly. Great service... guaranteed! While most carriers talk about great service, we actually back our promise with money-back service guarantees for all our customers. 4 Group LTD Claims Group STD Claims Group Life Claims Customer Service 100% payment accuracy for all new LTD claims; 100% compliance with ERISA service requirements 100% claims processing accuracy 98% of the time; claims decisions or requests for additional information within 5 business days 100% of claims will be processed within 10 business days (upon receipt of complete claim documentation); requests for additional information will be sent within 5 business days; 100% processing accuracy 1-day response time to customer phone calls, letters, and s Overall Satisfaction 100% customer satisfaction 4 Certain limitations apply. If we do not meet these service standards, the policyholder is given a refund as a percentage of premium.

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10 four We provide the coverage that physicians need. Best-in-class contract features customized to a physician s and dentist s specialty We have the knowledge and experience to offer all the contract features that physician groups need to sponsor a successful benefits plan, at a competitive price. Long Term Disability Our Long Term Disability (LTD) plans provide loss-of-income security for over one million health care professionals and their employees across the country. Our unique contract features give physicians, dentists, and other health care professionals the protection they need. Here are some of our standard LTD features: Benefits to accommodate the broad array of earnings a physician or dentist receives, including base pay, bonuses, production formulas, partnership earnings, etc. Own-Occupation to age 65 with Own-Occupation Specialty/Sub-Specialty protection for physicians and dentists No income loss requirement if totally disabled and not working (just a loss of duties requirement) Benefit percentages up to 66 2 / 3% Monthly benefits up to $20,000 (larger maximums available) Liberal Guaranteed Issue levels Dual Residual Disability Formulas ( Best of Both Worlds Benefits) Choice of Elimination Periods Flexible earnings definitions Survivor Income Benefit Twelve-month Sabbatical Coverage Continuation Retro Disability Benefits SM Conversion Privilege Multi-year rate guarantees Comprehensive EAP, provided by ComPsych Corporation No mandatory managed disability provisions for physicians, such as: No self-reported limitations No Mandatory Rehabilitation No Maximum Capacity language No 40-hour work week language

11 Here are some of our optional LTD features: Infectious and Contagious Disease Rider (IDR) Benefit Cost-of-Living Adjustment (COLA) Benefit Assisted Living Benefit Extended Earning Benefit Business Overhead Expense Benefit Pension Contribution Benefit Relocation Expense Benefit Child Care Benefit COBRA Continuance Premium Benefit Dependent Child Continuing Education Benefit Social Security Incentive Endorsement Progressive Disease Benefit Short Term Disability Our Short Term Disability (STD) programs provide physician group employees with seamless transitions to LTD. We also set ourselves apart through superior analysis for early intervention opportunities, quick claim turnaround times, and online claims submission and status. Here are some of our standard features: Satisfy Elimination Period with total or partial disability Total and partial disability benefit Weekly benefits up to $2,000 Benefit percentages up to 66 2 / 3% Up to 100% replacement on partial disability Group Life When it comes to providing benefit plans to physician groups, our partnership provides the best in service and the best in coverage. There is simply no comparison. Choose Sun Life Financial and MGIS for the Best in Group Benefits for Physician Groups! Our Group Life and AD&D programs focus on the special requirements of physician groups: high benefit levels, generous Guaranteed Issue amounts, and continuing protection in case of a disability. Here are some of our standard features: Flexible benefit schedules with high guaranteed issue limits Accelerated Benefits provisions that provide early access to benefits Integrated LTD/Life Waiver of premium process with no waiting period Portability and Conversion Emergency Travel Assistance for employees, provided by Assist America SecurAssist for employers, provided by Assist America A wide variety of Voluntary Life programs

12 Administration by: Medical Group Insurance Services, Inc W. North Temple Salt Lake City, Utah Underwritten by: Sun Life Assurance Company of Canada One Sun Life Executive Park Wellesley Hills, Massachusetts Customer Service for SLF/MGIS Physician Groups: MGIS at Retro Disability Benefits is available in all states except CA and VT. Guaranteed Issue for Smaller Physician Practices is available in all states except CA. Updated Material and Substantial Duties Definition, Dentist Definition, and Waiver of Pre-Existing Conditions for Transferring Physicians and Dentists are available in all states except CA and VT. Increased LTD Conversion Benefit is available in all states except CA. Expanded Pension Contribution Benefit Rider, Recurrent Condition Definition, and Social Security Incentive Endorsement are available in all states except CA, NH, and VT. New Relocation Expense Benefit is available in all states except CA, CT, FL, NH, and VT. Child Care Benefit and Dependent Child Continuing Education Benefit is available in all states except CA, CT, NH, VT, and VA. COBRA Continuance Premium Benefit is available in all states except CA, CT, NH, and VT. Administration for Physician Disability and Physician Life products is provided by MGIS. In NC, administration for Physician Disability and Physician Life products is provided by MGIS NC. The disability policies provide disability income insurance only. They do not provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. Group insurance policies are issued by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 98P-ADD, 02P-STD, TDB Policy-2006, 02-SL, 07-SL, and 01C-LH-PT. In New York, group insurance policies are issued by Sun Life Insurance and Annuity Company of New York (New York, NY) under Policy Form Series 93P-LH-NY, 06P-NYDBL, 02P-NYSTD, 98P-ADD-NY, 02-NYSL,07-NYSL, and 01NYC-LH-PT. Product offerings may not be available in all states and may vary depending on state laws and regulations. Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies Sun Life Assurance Company of Canada, Wellesley Hills, MA All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us a MGR/1635 SLPC /08 (exp. 10/10)

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