CDL Sleep Tests. More Than Just Sleep Apnea Testing. Quick & Easy Access to Sleep Apnea Testing Offered by SleepWorks

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1 CDL Sleep Tests Plus More Than Just Sleep Apnea Testing Quick & Easy Access to Sleep Apnea Testing Offered by SleepWorks Discounted Pricing on Devices & Supplies Insurance Benefits for Accidents Offered by TransAmerica Life Insurance Company Clinical Services Provided By:

2 Keeping Company Drivers and Owner/Operators Awake Why SleepWorks? Size - SleepWorks is one of the largest providers of sleep diagnostic services in the United States, performing more than 35,000 in-lab and home sleep studies annually. Comprehensive - As experts in sleep care management, SleepWorks has refined the patient pathway from OSA diagnosis through treatment in order to meet the needs of employers, commercial drivers and their families. Seamless - The SleepWorks Solution provides a direct, guided approach to an otherwise fragmented process eliminating the need to utilize multiple entities for care. Service - SleepWorks can provide patients access to telemedicine physician consults with a board certified sleep physician, to overcome potential geographical barriers to care. Technology - SleepWorks utilizes state of the art home sleep testing devices to provide quick, accurate results allowing drivers to get back on the road faster. Compliance - Once a patient initiates CPAP therapy, SleepWorks is able to provide wireless monitoring capabilities to ensure driver compliance and keep drivers on the road. Sleep Better, Feel Better, Live better - You Need to Know Height and weight are not the only clues to Sleep Apnea. Drivers should tell their CME if they suffer from any of the following: Chronic loud snoring Gasping or choking episodes during sleep Daytime fatigue Jerking sensations in legs and limbs Inability to fall asleep or stay asleep Experiencing memory or learning problems Mood swings Waking up frequently to urinate Dry mouth or sore throat upon awakening High blood pressure Experiencing morning headaches Federal Bulletin The FMCSA has recently issued a clarification bulletin (January, 2015) through the National Registry of Certified Medical Examiners. The bulletin urges the CME to consider the information provided in the bulletin when making their medical certification decisions while exercising their medical judgment and expertise should they suspect a CDL driver may have undiagnosed OSA (Obstructive Sleep Apnea). A CDL driver may be instructed to get tested if the Medical examiner determines, based on the clarification bulletin, an OSA test is necessary to complete their physical fitness examination before approving their medical certification in order to drive. Numerous studies have determined the number of truck drivers having moderate to severe sleep apnea ranges from a low of 28% and as high as 40% and up. In order to be certified to drive on a bi-annual basis, drivers must clear a physical fitness examination administered by a Certified Medical Examiner (CME). A CME can also issue shorter certification periods based on their medical judgment and expertise. Drivers that test positive for OSA, will need to provide therapy/efficacy reports to their attending Certified Medical Examiner (CME). SleepWorks will provide monthly or quarterly reports to the driver and can also forward reports to the CME at the time of renewal certification. The CME reviews the data with the driver to determine if the driver is using the therapy devices and therapy results. In order to receive medical certification, the CME must see evidence that therapy is being followed. The sleep apnea benefits of the CDL Sleep TestPlus Program is not insurance, it s an easy access, deeply discounted Program/Process for testing and therapy related to Obstructive Sleep Apnea. The Program/Process can be accessed by the driver who needs to provide validation of testing and therapy compliance as specified by their Certified Medical Examiner.

3 DIAGNOSTIC AND THERAPY SERVICES SleepWorks Solution includes: 1. Home Sleep Test (HST) (CPT 95800, 95801, or 95806): Home sleep study using a portable device, unattended by a technologist. Per study fee includes: HST device, shipping, scoring and physician interpretation. *In-lab study options available if prescribed by physician. Additional fees will apply. a. Board Certified Sleep Physician Initial Consultation: Patient consultation session to perform sleep screening, determine testing pathway and order appropriate sleep study. b. Board Certified Sleep Physician Post Study Review: Physician to perform post study review session with patient to discuss results and treatment path. c. Follow up Consultations: As needed, additional consultation session may be necessary if patient experiences difficulty with therapy and/or treatment following sleep testing and PAP set up. Fee to be billed per consultation. Fee 350 included included Therapy Services: a. CPAP Device (HCPC E0601) and Set Up: Includes PAP device, mask, tubing, set up and initial durable medical equipment (DME) supplies. Fee includes initial CPAP set up, DME supplies and compliance monitoring for initial year. Fee to be billed upon completion of set up. *Additional therapy options are available, if prescribed by physicians. Additional pricing will apply. b. Compliance Monitoring: Long term remote compliance monitoring and report outcomes for DOT drivers. Fee includes ongoing compliance monitoring following initial year (95 per driver paid annually upon renewal date of CDL Medical Certification) A 0.57 access will be added for the discounted SleepWorks Sleep Apnea Program per policy per week at the time of application.

4 AccidentAdvance helps you pay for what other insurance may not cover. AccidentAdvance is not your ordinary accident insurance. It is a group voluntary, 24 hour accident-only insurance policy that can help fill gaps not covered by comprehensive health insurance plans. Amount Accident Benefits Highlights 24 Hour Coverage On and Off the Job Accident Emergency Treatment Benefit For physician treatment and x-rays in a hospital or doctor s office within 96 hours of an accident Major Diagnostic Exam Benefit For one CT Scan, MRI, or EEG completed within 90 days of the accident Accident Follow-Up Treatment Benefit Maximum three (3) follow up visits, per accident Physcial Therapy Benefit Not to exceed 10 treatments per accident Initial Accident Hospitalization Benefit Payable once for the first hosptial admission due to an accident Ambulance Benefit Ground Ambulance Air Ambulance Accident Hospital Income Benefit Treatment of injuires beginning within 30 days of accident up to 360 days Accident ICU Benefit While person is receiving hospital income benefit payable for up to 15 days See Schedule of Benefits for More Information /visit 50/visit 1, , /per day 300/per day Weekly Premium Rates Employee Employee/Child(ren) Employee/Spouse Employee/Full Family 4.89 This is a brief summary of AccidentAdvance, Accident Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa Policy form series CPACC100 and CCACC100. Forms and form numbers may vary. This coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details. EBD NLATAEY 0315

5 Limitations and Exclusions for Accident Advance Underwritten by Transamerica Life Insurance Company We will not pay benefits for losses caused by or as a result of a covered person: Driving any taxi for wage, compensation or profit; Mountaineering, parachuting or hang gliding; Voluntarily taking, administering, absorbing or inhaling poison, gas or fumes; Alcoholism or drug addiction; Participating in any sport or sporting activity for wage, compensation, profit, or racing any type of vehicle in an organized event; Traveling in or descending from any vehicle or device for aerial navigation, except as a fare paying passenger in an aircraft operated by a commercial airline (other than a charter airline) on a regularly scheduled passenger trip; War, or any act of war, whether declared or undeclared; Participating in any activity or event, including the operation of a vehicle, while intoxicated or under the influence according to the laws of the jurisdiction in which the accident occurred; Participating in a riot, civil commotion, civil disobedience or unlawful assembly; Committing, attempting to commit, or taking part in a felony or assault or engaging in an illegal occupation; Intentionally self-inflicting bodily injury or attempting suicide while sane or insane; Any loss incurred while on active duty status in the armed forces. If you notify us of such active duty, we will refund any premiums paid for any period for which no coverage is provided as a result of this exception. Driving any taxi for wage, compensation or profit; Mountaineering, parachuting or hang gliding; Voluntarily taking, administering, absorbing or inhaling poison, gas or fumes; Participating in any sport or sporting activity for wage, compensation, profit, or racing any type of vehicle in an organized event; Traveling in or descending from any vehicle or device for aerial navigation, except as a fare paying passenger in an aircraft operated by a commercial airline (other than a charter airline) on a regularly scheduled passenger trip; War, or any act of war, whether declared or undeclared; Intentionally self-inflicting bodily injury or attempting suicide while sane or insane; Any loss incurred while on active duty status in the armed forces. If you notify us of such active duty, we will refund any premiums paid for any period for which no coverage is provided as a result of this exception. Termination of Insurance Subject to the Portability Option, insurance coverage on the employee will end on the earliest of: the date of his or her death; the date he or she ceases to be eligible for coverage; the last date for which premium payment has been made to us, subject to the grace period; the date he or she terminates employment; the date the group master policy terminates; the date he or she sends us a written notice to cancel coverage. The insurance coverage on a dependent will cease on the earliest of: the date of the employee s death; the date the employee s coverage terminates; the last date for which premium payment has been made to us, subject to the grace period; the date the dependent no longer meets the definition of dependent; the date the certificate is modified so as to exclude dependent coverage; the date the employee sends us a written notice to cancel coverage on a dependent. Extension of Benefits Whenever termination of coverage under this section occurs due to termination of employment, such termination will be without prejudice to: any hospital confinement which began while coverage was in force; or any covered treatment or service for which benefits would be provided and which began while coverage was in force; provided, however that the covered person is and continues to be hospital confined or receiving treatment. Such Extension of Benefits will continue for up to the earlier of: 30 days; or the date on which the covered person is no longer hospitalized or receiving treatment. Portability Option If an employee loses eligibility for this insurance for any reason other than nonpayment of premiums, coverage can be continued by paying the premiums directly to us within 31 days after termination. We will bill the employee directly once we receive notification to continue coverage. Termination of the Group Master Policy The policyholder may end the policy on any premium due date by submitting a 60-day advance written notice. A group will not be continued if it drops below the minimum required participation. The group master policy will be terminated and coverage of all remaining insureds will end, subject to the Portability Option. Other Insurance with Us An individual can only have one accident policy or certificate with us. An individual can only have one disability income policy, certificate, or rider with us. If a person already has accident insurance with us, such person is not eligible to apply for this coverage. If a person already has disability income insurance with us, such person is not eligible to apply for the disability income riders.

6 How It Works: CDL Sleep TestsPlus was designed with the Commercial Driver in mind. Customer service protocols and software were developed to assist a driver/patient through the maze of necessary steps to include: testing, consultation and therapy recommendations for the diagnosis and treatment of sleep apnea. Simply follow the instructions below to access CDL Sleep TestsPlus. Easy Enrollment Owners/Operators 1. Pick the preferred enrollment method, a. Download the enrollment form or enroll online at b. Call the enrollment center at CDL Sleep TestsPlus will electronically inform SleepsWorks of eligibility. 3. Call SleepWorks at to schedule your physician consult and sleep study (home sleep test or in-lab). Trucking Companies 1. Download Group Application and Excel spreadsheet from 2. Upload census information and print. 3. Return Group Application, Excel spreadsheet and first month s premium. You will be billed monthly thereafter. 4. CDL Sleep TestsPlus will electronically inform the sleep provider of eligibility. 5 Drivers call Sleepworks at to schedule in-home or in-lab sleep test. Contact Information CDL Sleep TestsPlus 414 Atlas Ave Madison, WI Upon enrollment you ll be provided with access and contact information for sleep testing. With one simple phone call to our customer service navigators will guide you through an otherwise fragmented process eliminating the need to utilize multiple entities for care.