CHE Plus Benefits. Customized Voluntary Benefits for You and Your Family. C h o i c e s Op t i o n s Co n v e n i e n c e

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1 CHE Plus Benefits Customized Voluntary Benefits for You and Your Family C h o i c e s Op t i o n s Co n v e n i e n c e

2 Welcome to CHE Plus Benefits To: Eligible Colleagues of Catholic Health East (CHE) and CHE affiliated facilities. As a benefit-eligible colleague, you are eligible for CHE Plus Benefits. CHE Plus Benefits is designed exclusively for colleagues of CHE and CHE affiliated facilities. During your two week Annual Enrollment, you may select the plans in this guide to complement and supplement the core benefits package you receive as a colleague of CHE. The information in this enrollment guide and our Benefit Counselors will show you how CHE Plus Benefits work with your core benefits to provide choices, options and convenience for you and your family. We re Ready When You Are! All you have to do to enroll in any CHE Plus Benefits plan is to call One of our friendly and helpful Benefit Counselors will answer your questions and help you make decisions. The CHE Plus Benefits Call Center is open Monday thru Friday, 8 a.m. until 6 p.m. ET, and Saturday, 8 a.m. until 5 p.m. ET. Call CHE Plus Benefits works with your core benefits to offer customized benefits to help protect you and your family. 2 The CHE Plus Benefits Call Center is open Monday thru Friday, March a.m. to 6 p.m. ET, and Saturday, March 13, 8 a.m. to 5 p.m. ET.

3 Choices and Options to Help Protect You and Your Family SmartSavings EMPLOYEE DISCOUNT MARKETPLACE Group Cancer/Critical Illness Insurance Plan Cancer/Critical Illness provides benefits to help with the cost of cancer treatment as well as a lump sum benefit upon the diagnosis of not only one covered illness, but for each covered illness as well. Conditions covered are heart attack, stroke, cancer, renal failure, coma, paralysis, burns, loss of sight, loss of hearing, loss of speech and Occupational HIV. Individual Short Term Disability Income Protection Short term disability income protection insurance can provide benefits if you become disabled and cannot work due to a covered illness or accident. Coverage of up to 50% of your salary may be offered 1, subject to salary requirements and existing coverage, and your policy is guaranteed renewable to age 72 as long as premiums are paid. In NY, this product is referred to as LPSD short term disability insurance. Legal Benefit Every twelve months, the average law abiding citizen will have the need for the services of an attorney according to studies by the American Bar Association. The LegalEase Group attorney network makes hundreds of free and low cost legal services available to members. Accident Insurance Accidents can impact the rest of a person s life. And if not prepared, there s often little protection for a family s financial security. This policy is designed to help provide benefit payments against the high cost of covered accidents. Not available in CT. Additional Benefits Available: CHE Plus Benefits has also put together several benefits that will be available to all eligible employees after this Open Enrollment period. Meaning, you can enroll in these benefits outside of this scheduled enrollment. These benefits are: SmartSavings Discount Marketplace SmartSavings is a members only discount marketplace that provides you with access to hundreds of brand name retailers and local merchants - all from one website. This benefit will continue to be available throughout the year. Long Term Care Long-Term Care Insurance (LTCI) covers a range of personal care services you might need if you cannot care for yourself due to a temporary or permanent illness or injury. Home care and nursing home expenses can be very expensive, and the cost is not generally covered by either medical insurance or Medicare. This benefit will continue to be available throughout the year. Home and Auto Insurance Compare special group auto and home insurance rates and quality coverage from two of the nation s most trusted insurance carriers Travelers and MetLife Auto & Home. Request free, no obligation quotes and apply throughout the year. Pet Insurance Pet Insurance is offered by VPI and is an affordable pet health coverage that helps you pay the treatment costs for your pet s accidents, illnesses and routine medical care. This benefit will also be available for enrollment throughout the year. 1 In CA and NJ the benefit amount is limited to 40% due to state provided disability coverage 3

4 Plan Features*: Cancer Expense Benefit - Benefits are payable if the insured incurs eligible medical expenses for internal or invasive cancer that is initially diagnosed while coverage is in force. For the treatment of skin cancer (must be initially diagnosed while coverage is in force), we will pay 10% of the actual expenses incurred for eligible medical expenses. Calendar year maximum is $5,000. Please refer to the certificate for a list of covered cancer expense benefits. First Occurrence Benefit - Lump Sum Benefits payable upon initial diagnosis of a covered critical illness. Employee benefit amounts available from $5,000 to $50,000. Spouses may purchase up to 1/2 of employee benefit amount. Additional Occurrence Benefit - If an insured collects full benefits for a Critical Illness under the plan and later has one of the remaining covered critical illnesses, then we will pay the full benefit amount for each additional illness. Occurrences must be separated by at least 6 months. Re-Occurrence Benefit - If you collect full benefits for a covered critical illness and are later diagnosed with the same condition, we will pay the full benefit again. The two dates of diagnosis must be separated by at least 12 months or for cancer 12 months treatment free. Child Coverage at no Additional Cost - Each dependent child is covered at 25 percent of the primary insured amount at no additional charge. Spouse Coverage Available - You may purchase group cancer/critical illness coverage for your spouse in amounts up to one half the employee amount to a maximum benefit of $25,000. If you are deemed ineligible due to a previous medical condition, you still retain the ability to purchase coverage for your spouse. Add-a-Buck provides guaranteed insurability by providing benefit increase bases on $1 per week or $52 per year. Rates Guaranteed - cannot be individually increased due to change in age, health or individual claim. Portability - The plan is portable, take your coverage with you if you leave your job (with certain stipulations) *NOTE: Benefit is 25% of face amounts for Carcinoma in situ and Coronary Artery Bypass Surgery. Payment of these benefits will reduce the cancer and/or the heart attack benefits by 25%. All covered conditions are subject to the definitions found in your certificate. 4 Covered Critical Illness Group Cancer/Critical Illness Insurance Plan New for 2010! Cancer (Internal/Invasive) 100% Coma 100% Heart Attack (Myocardial Infarction) 100% Paralysis 100% Stroke (Apoplexy or Cerebral Vascular Accident) 100% Burns 100% Major Organ Transplant 100% Occupational HIV 100% Renal Failure 100% Loss of Sight/Hearing/Speech 100% Carcinoma in Situ 25%* Coronary Artery Bypass Surgery 25%* $50 Health Screening Benefit - [employee and spouse only] - After the Waiting Period, an insured may receive a maximum of $50 for any one covered health screening test per calendar year. We will pay this benefit regardless of the results of the test. There is no limit to the number of years the insured can receive the health screening benefit; it will be paid as long as the certificate remains inforce. This benefit is not paid for dependent children. Examples of covered screening tests: CA 125 (blood test for ovarian cancer) Stress test (On a bicycle or treadmill) Colonoscopy Hemocult stool analysis PSA (blood test for prostate cancer) CA 15-3 (blood test for breast cancer) Breast Ultrasound Bone marrow testing Fasting blood glucose test Chest X-Ray Flexible sigmoidoscopy CEA (blood test for colon cancer) Serum protein electrophesis Thermography Triglycerides/Serum (blood test for myeloma) cholesterol test to determine levels of HDL and LDL *Refer to page 13 for additional information

5 Individual Short Term Disability Insurance (LPSD short term disability insurance in NY) Individual Short-Term Disability Insurance coverage not available to colleagues of St. Francis Medical Center (NJ), St. Mary Medical Center (PA), St. Francis Hospital (DE), St. Mary s Healthcare Systems (GA), and certain colleagues of St. Agnes Continuing Care Center who are covered under another plan. If you were out of work due to an illness or injury, how would you cover the costs of daily living or the expenses associated with a disability? Unum voluntary individual short term disability insurance can help replace a portion of your salary if you are unable to work due to a covered injury or illness. This means you can still have some income during a time of need. It s estimated that an accident or illness will keep three out of every 10 employees between the ages of 35 and 65 out of work for a period of three months or longer. 1 The five leading causes for Unum STD claims lasting less than six months include: normal pregnancy; injuries (not including back); digestive/intestinal diseases; pregnancy (complications); and reproductive/urinary system diseases. The advantages of our short term disability insurance Affordable coverage Voluntary individual short term disability insurance is available through your employer. Your premiums are based on your age when you buy the insurance and will not increase because you get older. Eligibility Available for eligible employees ages (64 in CA) who are actively at work. 2 Coverage levels You may be able to apply for a benefit percentage of up to 50% 3 of your gross monthly salary, from a minimum of $400 up to a maximum of $5,000, subject to salary requirement. Policy features You will select an elimination period (the period of time following a disability before the benefits are paid) and a benefit period (maximum length of time disability benefits could be paid). Convenient payroll deduction If you apply and qualify for coverage, your premiums are automatically deducted from your paycheck. Coverage effective date Your coverage becomes effective on the first day of the month in which payroll deductions begin. Individually owned policy If you leave your current company or retire, you can continue your coverage and pay the same premium. You ll be billed directly at home. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form: L or contact your Unum representative. Underwritten by the following subsidiary of Unum Group: Provident Life and Accident Insurance Company 1 Fountain Square, Chattanooga, TN unum.com 2008 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. CU-2756 (2009) 1 National Association of Insurance Commissioners (NAIC) Individual Disability Table A (1985) 2 Being actively at work means that on the day the employee applies for coverage, he/she is working at one of your company s business locations, or is working at a location where he/she is required to represent your company. If the employee is applying for coverage on a day that is not one of their scheduled workdays, then the employee will be considered actively at work if he/she meets this definition as of their last scheduled workday. Employees are not considered actively at work if their normal duties are limited or altered due to health, or if they are on a leave of absence. 3 In CA, HI, NJ, and RI, the benefit amount is limited to 40% due to state provided disability coverage 5

6 Legal Guard Plan People often ignore legal problems and financial issues and hope they go away. With the LegalGUARD Plan from LegalEASE you will have access to a nationwide network of attorneys that will provide numerous free and discounted services to its members. Here are some of the benefits that members receive with Legal Guard: Benefit Member Estimated Cost Plan Rate without Plan Free Consultations Free $50 - $250 each Document Reviews Free $200 - $500 each Estate Planning Documents Free $75 - $2,500 each Preparation of Legal Documents Free $75 - $400 each Dispute Resolution Free $150 - $750 each Website Access Free Members Only Better Benefits Package: Available to You at No Additional Cost! Over 36% of Americans need assistance with their financial situation. LegalEASE Financial Benefits are provided by Financial Professionals you can trust. Financial Counseling Benefits o Unlimited Free Initial Consultations with Financial Counselors on: Debt Management, Budgeting, Credit Problems, Free Family Budget Prepared at No Cost Financial Planning Benefits o Unlimited Free Consultations with certified Financial Planners on: Savings & Investments, Long-Term Planning, $75 Rebate on Financial Plan Preparation Consultations at no charge by phone with attorneys on Small Claims Lawsuits Access to complete online elaw libraries to help you understand legal issues including: Credit Issues, Emergencies, Your Liability, and many other related topics. Bi-Weekly Premiums* Individual Coverage $6.36 Family Coverage $6.91 *Premium Calculations based on 26 pay periods per year. To Find Out More Visit Us Online at: This benefit summary is intended only to highlight your benefits and should not be relied upon to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage that you will receive upon enrolling in the Plan. If this benefit summary conflicts in any way with the Policy issued to your employer/association, the Policy shall prevail. 6

7 Accident Insurance Unum s supplemental accident insurance provides benefits for covered injuries 1 and specified accident-related expenses for an individual or family. Since health insurance only goes so far, this individual policy is designed to help cover the out-of-pocket expenses that can result from a sudden accident. Available to employees ages (64 in CA) who are actively at work 2. Base plan covers a wide variety of injuries and accident-related expenses such as hospitalization, physical therapy, emergency room treatment, fractures and dislocations, transportation, lodging and more. Benefits are paid for accidents that occur on and off the job Family coverage options are available. Coverage for the base plan benefit is guaranteed renewable for life as long as premiums are paid. Premiums are paid through convenient payroll deduction. The policy is individually owned so you can take your coverage with you if you leave your employer. Here are a few of the benefits included with this policy: Accident/Injury Benefit Amount Hospital admission (per admission) $750 Hospital confinement (per day up to 365 days) $200 Physical therapy (6 treatments) $25 per treatment Doctor s office initial visit $50 Ambulance $100 Emergency room treatment (includes x-rays) $150 THIS IS A LIMITED POLICY. The base plan is an accident-only policy. Outlines of Coverage are required in CA, GA, ME, MT, NV, NH, OR, TX, WI and WV. Specific state forms are required in MN, OR, SC, and WI. State specific Schedule of Benefits applies in CO, FL, NH and WA. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form: L or contact your Unum representative. Unum complies with all state civil union and domestic partner laws when applicable. Underwritten by the following subsidiary of Unum Group: Provident Life and Accident Insurance Company 1 Fountain Square, Chattanooga, TN unum.com 2008 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. CU-2756 (2009) 1 Covered accident means an accident that occurs after the policy effective date; occurs while the policy is in force; is of a coverage type listed on the policy schedule; and is not excluded by name or specific description in this policy. Injury or injuries means accidental bodily injury that is the direct result of a covered accident. Injuries must be independent of sickness, disease, bodily infirmity and other causes. Carpal tunnel syndrome is considered to be a sickness. 2 Being actively at work means that on the day you apply for coverage, you are working at one of your company s business locations, or you are working at a location where you are required to represent your company. If you are applying for coverage on a day that is not one of your scheduled workdays, then you will be considered actively at work if you meet this definition as of your last scheduled workday. You are not considered actively at work if your normal duties are limited or altered due to your health, or if you are on a leave of absence. 7

8 CHE Plus Benefits Choices Options Convenience Because all families have special needs at different times during the year, the following plans will have extended enrollment periods! The SmartSavings Discount Marketplace, Long Term Care Insurance, Auto & Home Insurance and Pet Insurance will be available for enrollment all year long. Please review the next few pages for details on these benefits and how to request more information and enroll. 8 The CHE Plus Benefits Call Center is open Monday thru Friday, March 1-13, 8 a.m. to 6 p.m. ET, and Saturday, March 13, 8 a.m. to 5 p.m. ET. Call

9 SmartSavings EMPLOYEE DISCOUNT MARKETPLACE SmartSavings Discount Marketplace A new employee benefit that promises great savings! Special offers and amazing discounts SmartSavings is a members only discount marketplace that provides you with access to hundreds of brand name retailers and local merchants all from one website. Special offers and discounts that you won t find anywhere else can be found on SmartSavings. We negotiate the best deals and regularly update the offers to help you stretch your hard-earned dollars. From clothing to vacations, event tickets and computers, you ll find it all on SmartSavings! Find deals and enjoy unique discounts of up to 40% on all your purchase by shopping online at SmartSavings Employee Discount Marketplace. Shop 24/7 365 days a year Enjoy new offers daily Create your own Favorite Merchants list Suggest merchants to add to the site Share the savings with your family Discounts with over 500 merchants and thousands of national brands, theme parks and much more! Live Agent Help Desk Special deals offered (theme parks, local stores, coupons) SmartSavings SmartShopper our offline shopping assistance and live agent support Direct links to merchant s online stores Categorically organized deals for navigational ease Merchant discount and redemption information displayed in navigation All colleagues are eligible, regardless of benefits status and there is NO membership fee! SIGN IN NOW AND SAVE! Go to and click on SmartSavings in the left column. Username: health Password: marketplace Create your own username and password when you first log in 9

10 Long-Term Care Long-Term Care Insurance (LTCI) covers a range of personal care services you might need if you cannot care for yourself due to a temporary or permanent illness or injury. Home care and nursing homes can be very expensive, and the cost is not generally covered by either medical insurance or Medicare. Although this type of benefit is usually associated with advanced age, the need for long-term care assistance can happen to anyone at any time. Unlike Long-Term Disability coverage that replaces your income if you become disabled, Long-Term Care Insurance provides the financial means to pay for your care and coverage continues into retirement. LTCI is completely portable, so benefits can be used in any of the 50 United States. Coverage for all colleagues and family members is offered through industry-leading carriers and discounted prices. Reduced Underwriting Requirements for Newly Eligible Colleagues During the application period, newly eligible* actively at work colleagues (working 30 hours or more per week), age 65 and under, may apply for coverage with MetLife by completing a shortened application with no physical required. Discounted premium may be paid via payroll deduction. Discounted Premiums for all colleagues In addition to MetLife, John Hancock, and Genworth also offer discounted premiums to all colleagues and family members. Premiums may be paid on a direct-bill basis. The Todd Benefits Group will compare plan and premium options for you on the website For more information and to enroll you may call or visit their website at * Newly eligible means a new hire, or any employee of a facility that was not previously offered this benefit 10

11 Auto and Home Insurance Program It pays to shop around for auto and home insurance coverage. Through a special arrangement with Travelers and MetLife Auto & Home, you have your choice of top-rated insurance providers that may save you money, improve your coverage, or both. Both insurers offer*: Special group rates Additional discounts, such as multi-car, safety devices, newer homes, payroll deduction and multi-policy Convenient payment options, including payroll deduction with no down payments or installment fees Customized coverage options for high-value homes, boats, RVs, trailers, valuable items, computers and excess liability (umbrella) protection 24-hour claim reporting Year-round application/enrollment For more information about the program, visit www. cheplusbenefits.com. You don t have to wait until your current insurance is due to expire. You can apply at any time and receive a refund of unused premium. Find out if you could get a better value on your auto and home insurance with this special program for CHE colleagues. For Travelers, home coverage is not part of this benefit offering in Florida. For MetLife Auto & Home, home coverage is not a part of this benefit offering in California, Florida or Massachusetts. Request your free quotes from Travelers and MetLife Auto & Home. Call Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT In FL: Auto insurance policies are underwritten by First Floridian Auto and Home Insurance Company, The Travelers Home and Marine Insurance Company, or by The Travelers Commercial Insurance Company. In MA: Auto policies are underwritten by The Premier Insurance Company of Massachusetts, an independent, single-state subsidiary of The Travelers Indemnity Company. In NJ: Auto insurance policies are underwritten by Travelers Auto Insurance Co. of New Jersey, a single state, independent subsidiary of The Travelers Indemnity Company. In TX: Auto insurance is offered by Travelers MGA, Inc. and underwritten by Consumers County Mutual Insurance Company. *Coverage, discounts, repair options and billing options are subject to state requirements and availability, individual qualifications and/or the insuring company s underwriting guidelines The Travelers Companies, Inc. All rights reserved. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. L [exp0511][All States] *Coverage, rates, and discounts are available in most states to those who qualify. MetLife Auto & Home 11

12 VPI Pet Insurance Voluntary Pet Insurance (VPI) is the affordable health coverage that helps you pay the treatment costs for your pet s accidents, illnesses and routine care. Coverage is available for dogs, cats, birds, rabbits, reptiles, and other exotic pets. Your VPI coverage pays for your pet s diagnostic tests, treatments, office visits, lab fees, prescriptions, hospitalizations, x-rays and surgical procedures. You are free to use any licensed veterinarian anywhere, even when you re away from home. Premiums for the VPI Superior plan average between $22 and $28 per month for dogs and between $12 and $16 per month for cats and are based on the species, age of your pet and the plan you select. Optional Pet WellCare Protection Coverage is also available to help you maintain the health of your pet. Veterinary Pet Insurance is the nation s oldest and largest provider of health insurance for pets. Since 1982, we ve worked with hundreds of thousands of loving pet owners to help deliver the very best care for their pets. Call for more information, the CHE Plus Pet Insurance call center is open Monday though Friday 9 a.m. 10 p.m., and Saturday 10 a.m. 6:30 p.m. ET. Or visit us on the web: 12 The Voluntary Benefits Call Center is open Monday Friday March 1-13, 8 a.m. to 6 p.m. ET, and Saturday, March 13 until 5 p.m. ET. Call

13 Some people like more detail so here it is! These pages contain more detail about the CHE Plus Benefits Group Cancer/Critical Illness Insurance Plan and Short-Term Disability Income Protection Insurance plans. For even more information, go to: CAIC LIMITATIONS AND EXCLUSIONS CANCER (Expense Benefits) AND CRITICAL ILLNESS This Plan provides Benefits only for the treatment of Internal Cancer and/or Skin Cancer and lump sum benefits for Critical Illnesses, as defined in The Group Master Policy CAI2800PA. This Plan does not provide benefits for any other disease, sickness or incapacity. No benefits will be paid for expenses incurred outside the United States or its Territories. Diagnosis must be made in the United States. This Plan contains a 30-day Waiting Period. This means no benefits are payable for any Insured who has been diagnosed before their coverage has been in force 30 days from his Effective Date. If an Insured is first diagnosed during the Waiting Period, benefits for treatment of that Critical Illness will apply only to loss commencing after 12 months from his Effective Date; or, at the Employee s option, he may elect to void the Certificate from the beginning and receive a full refund of premium. CANCER (Expense Benefits) No benefits will be paid for any Cancer treatments that have not been approved by a Physician as being medically necessary. CRITICAL ILLNESS The applicable benefit amount will be paid if: the date of diagnosis is after the waiting period; the date of diagnosis occurs while the policy and certificate are in force; and the cause of the illness is not excluded by name or specific description. PRE-EXISTING CONDITIONS LIMITATION (Critical Illness) Pre-existing Condition means a sickness or physical condition which, within the 90-day period prior to the Effective Date of an Insured s coverage resulted in medical advice or treatment. We will not pay benefits for any critical illness starting within 12 months of the Effective Date of an Insured which is caused by, contributed to, or resulting from a Pre-existing Condition. A claim for benefits for loss starting after 12 months from the Effective Date of an Insured will not be reduced or denied on the grounds that it is caused by a Pre-existing Condition. A Critical Illness will no longer be considered Pre-existing at the end of 12 consecutive months starting and ending after the effective Date of an Insured s coverage. This information is only a brief description of the coverage and is not the ruling contract. Coverage is subject to certain definitions, conditions, limitations and exclusions which are detailed in the master policy, certificate and applicable riders. If there is a conflict between this brochure and the contract, the terms and conditions of the contract will prevail. For a complete listing of the plan definitions, provisions, as well as all limitations and exclusions, please refer to the group master policy, CAI2800PA. Underwritten by: Continental American Insurance Company 13

14 Short Term Disability Income Policy Details from Unum. Policy provisions: Waiver of premium Payment of premiums can be waived after 90 days (or after the elimination period is satisfied if longer than a 90 day elimination period) of total disability, as defined in the policy. Guaranteed renewable The policy is guaranteed renewable until the policy anniversary on or following the insured individual s 72nd birthday, as long as the required premiums are paid when due. Pre-existing provision Benefits for a disability due to a pre-existing condition will not be paid if that disability begins within 12 months of your coverage effective date. A pre-existing condition is defined in your policy as a condition for which symptoms existed that would cause you to seek treatment from a physician or for which you were treated, received medical advice from a physician or took medicine, within 12 months before your coverage effective date. Pregnancy is considered as any other covered sickness nine months after coverage becomes effective. The available monthly benefits will be paid upon fulfillment of the elimination period. Benefits will not be paid if the insured individual gives birth within nine months after the coverage becomes effective. However, medical complications of pregnancy may be considered as any other sickness, subject to pre-existing condition limitations. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form: L or contact your Unum representative. Underwritten by the following subsidiary of Unum Group: Provident Life and Accident Insurance Company 1 Fountain Square, Chattanooga, TN unum.com 2008 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. CU-2756 (2009) The Voluntary Benefits Call Center is open Monday Friday March 1-13, 8 a.m. to 6 p.m. ET, and Saturday, March 13 until 5 p.m. ET. Call

15 CHE Plus Benefits Call Center Quick Reference Guide: To Enroll Call Select Option One to Enroll in CHE Plus Benefits Option 1: To Enroll in Critical Illness, Short Term Disability, Accident, or Legal Insurance Option 2: To Enroll in Auto & Home Insurance Press 1: For Travelers Press 2: For MetLife Option 3: To Enroll in Long Term Care Insurance Option 4: To Enroll in Pet Insurance Option 5: To Speak to someone about SmartSavings Discount Marketplace Select Option Two for Existing Policyholder Service Option 1: For Billing and Deduction Questions Option 2: For Critical Illness Option 3: For Short Term Disability or Accident Press 1: For Unum STD or Accident Press 1: For Claims Press 2: For Policy Changes or Questions Press 2: For AUL STD St Mary s Athens location only Press 1: For Claims Press 2: For Policy Changes or Questions Option 4: For Legal Option 5: For Auto/Home Press 1: For MetLife Press 2: For Travelers Option 6: For Long Term Care Option 7: For Pet Insurance Option 8: For SmartSavings Discount Marketplace Product Bi-Weekly Premium Totals Critical Illness You $ Spouse $ Critical Illness Total Bi-weekly Premium $ Short Term Disability You $ Short Term Disability Total Bi-weekly Premium $ Legal Guard Plan You $6.36 $ Family $6.91 $ Legal Guard Total Bi-weekly Premium $ Accident Insurance Individual $ Employee + Spouse $ 1 Parent Family $ 2 Parent Family $ Accident Insurance Total Bi-weekly Premium $ Grand Total Estimated Bi-weekly Premium $ Enrollment Worksheet You can calculate your estimated bi-weekly deductions on this worksheet during your call to the enrollment center. 15

16 CHE Plus Benefits Enroll at your own pace when you are ready. All you have to do to enroll in any CHE Plus Benefits plan is to call One of our friendly and helpful counselors will take all the time you need to answer your questions and help you make a good decision. The plans are voluntary and you can pay for them through convenient payroll deduction. Open Enrollment for Critical Assistance Select, Short-Term Disability Income Protection, Legal Benefit, and Accident are available during your two-week enrollment period. SmartSavings Discount Marketplace, Long Term Care Insurance, Auto & Home Insurance & Pet Insurance will continue to be open for enrollment after your enrollment period. The Voluntary Benefits Call Center is open Monday Friday March1-13, 8 a.m. to 6 p.m. ET, and Saturday, March 13 until 5 p.m. ET. C a l l t o e n r o l l!