Specially Designed Programs for Commonwealth Purchasing Group

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1 Specially Designed Programs for Commonwealth Purchasing Group Contact Cate Holtman for information: or (MA Sample Version)

2 The Digital Benefit Advisors Advantage Who We Are Digital Benefit Advisors delivers a powerful new approach to employee benefits by combining the commitment of experienced, local market advisors with the sophisticated technology and innovative resources of a respected national firm. Client Advantages Our employer clients benefit from enhanced carrier leverage through aggregate case volume and access to proprietary products. They also experience tremendous efficiencies created by a cutting-edge technology platform. Our award winning program to help clients navigate health care reform is also part of the exceptional value we deliver to our clients. Digital Advantage Suite The Digital Advantage suite is our best of breed employee benefits offerings. These are proprietary products available through Digital Benefit Advisors. Key Features Designed to complement and enhance the benefits program you currently offer. No underwriting. Those who enroll in the coverage will receive it. Can be funded by any combination of employer or employee funds. Simplified enrollment, billing and plan administration. We are pleased to offer you a complete suite of innovative products and services not available elsewhere. When it comes to selecting a benefits program for your employees, it s not just about choosing a health plan it s about the efficiency, services and delivery of a competitive program. We understand the challenges employers face in today s marketplace, and we have designed a customized benefits package to help you save money, make your job easier, keep you in compliance with numerous laws and regulations and help you attract and retain qualified talent. This guide is designed to provide a menu of employee benefits solutions to choose from. You may elect to offer any combination of the products listed or allow your employees to design their own benefits solution. We have created an innovative approach to provide competitively priced employee benefits coverage. The nature of employee benefits programs is changing rapidly. In our efforts to offer you the most complete and innovative products and services, we ve partnered with a specialist in creative solutions, Digital Benefit Advisors. The benefits products described in this guide were selected specifically with you and your employees in mind. As the nature of how employee benefits programs are selected and communicated continues to change, a new category of benefits has evolved we call these new benefits, Integrated Benefits. With this approach, you can offer your employees choices and the ability to select a benefits program that best meets their needs. At the same time, your company gains greater control of the cost and complexities associated with offering a benefits program. The following descriptions of available benefits are purely informational and have been provided to you for illustrative purposes only. Payment of benefits will vary from claim to claim within a particular benefit option and will be paid at the sole discretion of the applicable insurance provider for each benefit option. The terms and conditions of each applicable policy or certificate of coverage will provide specific details and will govern in all matters relating to each particular benefit option described in this summary. In no case will any information in this summary amend, modify, expand, enhance, improve or otherwise change any term, condition or element of the policies or certificates of coverage that govern the benefit options described in this summary. Digital Benefit Advisors is not responsible for paying or providing, nor shall it be obligated to pay for or provide benefits under any of the benefit options described in this guide.

3 Why Consider Dental Insurance? Providing comprehensive, quality benefits to your employees for the best value is especially difficult in today's economic environment. Make a smart investment while promoting overall wellness by offering dental coverage a desirable employee benefit. Dental insurance is unique from other types of insurance in that it is purchased with the intent to use it. It is a valuable supplement to any employee benefits program. As employers and employees continue to place more emphasis on wellness, dental care is another means of early detection of other potentially serious (and expensive) health concerns, including heart disease, diabetes and cancer. Our Digital Advantage Dental plan includes features that provide traditional dental care, as well as overall wellness-related exams. Key Features of Digital Advantage Dental Can be funded by any combination of employer or employee funds Access to any dentists or access in network providers Average network discounts = 32 percent Premium discounts through Digital Insurance Unique combination of dental care and disease detection benefits Your Digital Advantage agent will help you select the plan design and benefit features that best fit the needs and affordability objectives of your group. Your Monthly Premium; Employee $43.90 Emp & 1 Dep - $85.80 Family $ Coverage Type PDP In-Network Out-of-Network Preventive Care-Cleanings, exams, x-rays of PDP Fee of R & C Fee Basic-Fillings, repairs, endodontics/root canal, periodontics, simple extractions 80% of PDP Fee 80% of R & C Fee Major-Bridges and dentures, Inlays/onlays, implants, crowns, oral surgery 50% of PDP Fee 50% of R & C Fee Orthodontia-Dependent children are covered until age 19 50% of PDP Fee 50% of R & C Fee Deductible: Individual Family In-Network $50.00 $ Out-of-Network $50.00 $ Annual Maximum Benefit $1,750 $1,750 Orthodontia Lifetime Maximum Per Person $1,000 $1,000 This is a brief summary of Dental Insurance underwritten by Metropolitan Life Insurance, New York, NY. Not all plans or plan features are available in all jurisdictions. Please refer to materials provided by the insurance carrier, including proposals and brochures, for a complete description including plan limits and exclusions.

4 Choose the benefits options that are the right fit for your group. BENEFITS RATES/PLANS GUARANTEED PARTICIPATION FUNDING Off-the-Job Accident Insurance Standard Guaranteed Issue 2 Enrolled Lives Per Plan (Target is 20%) Employer and/or Employee Paid Critical Illness Insurance Standard Guaranteed Issue Up to $20,000 2 Enrolled Lives (Target is 20%) Employer and/or Employee Paid Cancer Standard Guaranteed Issue 5 Enrolled Lives (Target is 20%) Employer and/or Employee Paid Dental Quoted Guaranteed Issue As Required by Carrier As Required by Carrier Whole Life Insurance Standard Guaranteed Issue Up to $75,000 5 Enrolled Lives (Target is 20%) Employer and/or Employee Paid Fixed Term Life Insurance Standard Guaranteed Issue Up to $75,000 5 Enrolled Lives (Target is 20%) Employer and/or Employee Paid Disability Standard 5 Enrolled Lives Employer and/or Employee Paid Long Term Care Custom Quoted Target is 10 enrolled Employer and/or Employee Paid Guaranteed Issue Up to $3,500 Monthly Conditional Not all insurance policies or plan features are available in all jurisdictions. Please refer to materials provided by the insurance carrier, including proposals and brochures, for a complete description including policy limitations and exclusions.

5 Why Consider Accident Insurance? Accidents and injuries can happen at any place or at any time and the results can be costly. This policy also pays benefits even if you don t have an accident. As one of your most important assets, it is important to help protect your employees and ensure they bounce back from whatever life throws at them. The Accident policy offers off-the-job benefits for accidents. Coverage cannot be denied due to past medical history, and there are no medical questions to answer. Hearing the word ouch is never a good thing An affordable option SAMPLE DESCRIPTION OF BENEFITS Hospital Admission Accident Emergency Treatment Major Diagnostic Examination Benefits Accident Follow-up Treatment Benefits Physical Therapy Benefits Dislocation Benefits Fracture Benefits Ambulance Benefits Accidental Death and Dismemberment Accident Hospital Income Benefits (up to 365 days per accident) Accident Hospital ICU (up to 30 days per covered accident) Burns SAMPLE WEEKLY PREMIUM Employee Only Employee & Child(ren) Employee & Spouse Employee & Family (including spouse and children) PLAN $1,000 $50 $40 $25 $200-$8,000 $100 -$10,000 Up to $500 Up to $10,000 $250 $500 $750-$10,000 PLAN $3.11 $6.31 $4.67 $7.87 Accident Insurance policy is designed to provide benefit payments to help protect against the high cost of accidents. Why do your employees need it? Because it pays benefits regardless of any other insurance they might have. Plus, you ll have the comfort of knowing that your employees will still be covered even if their medical insurance doesn t pay. Payments are made through convenient payroll deductions. This is a brief summary of Accident Insurance underwritten by Boston Mutual Life Insurance Company. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. This presentation is not complete without the product brochure that includes the full list of limitations and exclusions. Refer to the policy, certificate and riders for complete details.

6 75% of healthy individuals over the age of 40 will become critically ill. Source: 2009 Heart and Stroke Statistical Update, American Heart Association. Use of statistics does not imply endorsement Why Consider Critical Illness Insurance? A major cause of personal bankruptcy in the United States is expenses and loss of income due to health carerelated treatments. With advances in medicine, many people are now surviving treatment of a critical illness. Unfortunately, surviving the financial impact of treatment and loss of income is another story. Critical Illness insurance is designed to help address the cost not covered by medical insurance. Coverage is available on a Guarantee Issue basis. Applicants will receive coverage regardless of personal or family medical history. The policy pays a lump sum benefit directly to the insured upon the initial diagnosis of a covered critical illness. This lump-sum payment provides employees the flexibility to spend the money on whatever makes sense for them and their family, which might include basic monthly expenses like mortgage payments, car insurance, groceries and childcare. Sample Weekly Rates for $10,000 (Non-Tobacco User) Age Employee Only $1.66 $2.68 $4.57 $7.48 $12.42 Plan Benefit Cancer Stroke End Stage Renal Disease Coma Paralysis Severe Burns Loss of Sight, Speech, Hearing Alzheimer s Disease Amyotrophic Lateral Sclerosis (ALS) Benign Brain Tumor Coronary Artery Bypass Angioplasty and Stent Insertion Carcinoma In Situ % of Benefit 30% 30% 30% This is a brief summary of Critical Illness Insurance underwritten by Boston Mutual Life Insurance Company. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. This presentation is not complete without the product brochure that includes the full list of limitations and exclusions. Refer to the policy, certificate and riders for complete details.

7 1 out of 3 people will face a cancer diagnosis in their lifetime. Source: American Cancer Society. Cancer Facts & Figures Use of statistics does not imply endorsement Why Consider Cancer Insurance? While survival rates are high, the direct medical and indirect non-medical costs of treatment are expensive. While some individuals diagnosed with cancer have meaningful and adequate health Insurance to cover most of the cost of treatment, an increasing number of privately insured workers face the prospect of crippling out-of-pocket costs, according to updated information for the National Cancer Institute. Those rising costs often leave both uninsured and individuals with insurance without the coverage they need. CancerSelect Plus plan highlights include: Guaranteed Issue underwriting, simplified group participation requirements, affordable pricing and a substantial cancer screening wellness benefit to help promote regular exams for early detection. Benefit Category Hospital Benefits Surgery Benefits Radiation & Chemotherapy Benefits Wellness & Non-Medical Benefits Description of Benefits Hospital Confinement Ambulance Benefits Private-Duty Nurse Hospice Care Inpatient Outpatient Prosthesis Reconstructive Surgery Radiation and Chemotherapy Associated Radiation and Chemotherapy Expenses Blood, Plasma, Blood Components, Bone Marrow and Stem Cell Transplant New or Experimental Treatment Magnetic Resonance Imaging (MRI) Scans Family Member Lodging At Home Nursing Out Patient Lodging Calendar Year Cancer Screening Benefit Per Covered Person Cancer Maintenance Therapy Benefit MA Sample Weekly Premium Employee Only Employee & Child(ren) Employee & Spouse and Child(ren) Policy Pays $200 $200 $200 $100 $1,000 $1,500 $50-$500 $120-$250 $25 $25 Rate $3.33 $3.91 $6.08 Benefits are paid directly to the insured and can be used to offset costs associated with major medical coverage, including deductibles, co-payments and co-insurance. Benefit amounts are paid per covered year and reset at each policy anniversary date even for the same diagnosis! This is a brief summary of Cancer Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy Form Series CPCAN200 and CCCAN200. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. This presentation is not complete without the product brochure that includes the full list of limitations and exclusions. Refer to the policy, certificate and riders for complete details. EBD TTDBABRO

8 50% of U.S. households (58 million) say they need more life insurance Source: LIMRA Facts About Life 2013 Use of statistics does not imply endorsement. Why Consider Interest Sensitive Whole Life Insurance? Interest sensitive whole life insurance can provide an additional source of financial protection for employees and provide additional options for their retirement. Without a medical exam, interest sensitive whole life insurance coverage can be purchased and will build cash value with a guaranteed 4 percent interest rate. Individuals can help protect themselves and eligible members of their family, all with the convenience of payroll deduction. Employees can also keep their coverage and take it with them if they ever leave the company. Key Product Features Guaranteed issue to $13/week of employee coverage Aggregate participation minimum enrolled is 5 lives Cash value accumulates with guaranteed interest rate of 4 percent Policy loan provision Coverage available for employee, spouse, children and grandchildren Rates never change Sample Benefits and Values Non-Tobacco $10/week Issue Age Face Amount Cash Value at Age 65 Paid Up at Age $68,455 $28,876 $56, $45,048 $17,050 $33, $28,124 $8,580 $16, $16,790 $2,812 $5,951 Coverage amounts available from $2 to $30 per week for employees ages Employees can purchase whole life policies for their spouse and each eligible child and grandchild. They can also choose to attach term life insurance protection to their policy or their spouse s to add extra coverage for their children. With the convenience of payroll deductions and a range of policy choices, this is a great benefit. *In using the term permanent, it is important to note that coverage could lapse prior to the maturity for non-payment of premiums. This is a brief summary of ELOPSM, Interest Sensitive Whole Life Insurance Policy underwritten by Boston Mutual Life Insurance Company, Canton, MA. Policy form series ICC13 END-95(ESO) 3/13 and END-95 (ESO) 3/13. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details /13

9 30% of U.S. households have no life insurance at all. Source: LIMRA Facts About Life Use of statistics does not imply endorsement. Why Consider Group Term Life Insurance? Group term life insurance helps offer your employees and their families the added security needed to remain financially secure in the event of an unforeseen death. The working years are some of the most crucial times for families to find security. Group term life insurance is an ideal way for employees to help protect and provide for their families during these important years. Employers can offer pure term life insurance protection at cost-effective group rates. There is no way to know what will happen tomorrow, but there is a way to help protect families against the unexpected. Trans SelectSM 5 is Transamerica s new term life insurance product to meet life s changes today and tomorrow. Trans Select SM 5 Helps Provide Financial Support for Your Family in Times of Need Recent studies show one in four U.S. households relies only on group life insurance to provide financial protection if a wage-earner dies. Other findings from the study show: Half of U.S. households (58 million) say they need more life insurance the highest level ever. Among households with children under 18, 11 million have no life insurance coverage. With Trans SelectSM 5, you can help to secure your employees future if something happens to them or their loved ones. Buying life insurance is a decision that should not be put off. Prudent financial planning with Transamerica term life can help protect your employees future and give them peace of mind. Trans SelectSM 5 Benefits Are Easy to Understand Trans SelectSM 5 offers guaranteed level premiums for the term period of 5 years. Employees can pay these premiums through the convenience of payroll deduction. Trans SelectSM 5 Group Term Life Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa Premiums are guaranteed level for 5 years, then may increase annually starting in year 6. Policy form series CPVTL200 and CCVTL200. Rider form series CRTIVT00 and CRWPL200. Forms and form numbers may vary, and this coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details. EBD TTDBABRO

10 Why Consider Short-Term Disability Insurance? Disabilities happen. If employees miss work due to an injury or illness, short-term disability insurance can help replace a portion of their lost wages while recovering. Most injuries and illnesses are not long-lasting, and employees will likely be back at work quickly. In the meantime, their regular paychecks could stop. If that happens, the replacement income from disability insurance will be a big help. Some conditions that could lead to a disability claim include illness, childbirth, injury and surgery. Key Product Features Employees choose a benefits amount up to 66 2/3 percent of their income Benefits are in $50 increments up to a max of Innovative employers understand that disability $1,250 per week insurance is both a benefit and a health and Benefits are tax-free productivity tool. Age Freeze Rates based on issue age Partial Disability Benefit If you re only able to do part of your job or work part-time, you can receive partial benefits. With your part-time earnings and your partial disability benefit, you could receive up to 99 percent of your pre-disability earnings. Rehabilitation Assistance Benefit While you are participating in an approved rehabilitation program, we can pay an increased benefit to you. You don t have to pay premiums while you are disabled. Sample Plan Design and Rates 15 Day Elimination Period, 1 Year Benefit Period Weekly Benefits Amount Annual Income Required for 60% Benefits Amount Hourly Wage Based on 40 Hour Work Week Weekly Premium Weekly Premium Weekly Premium Weekly Premium Weekly Premium Weekly Premium $300 $400 $500 $600 $700 $23,400 $31,200 $39,000 $46,800 $54,600 $11.25 $15.00 $18.75 $22.50 $26.25 $ 5.48 $ 7.31 $ 9.14 $10.97 $12.79 $ 5.71 $ 7.62 $ 9.52 $ $ $ 6.55 $ 8.73 $ $13.10 $15.28 $ 7.84 $10.46 $13.07 $15.69 $18.30 $ 9.29 $12.39 $15.48 $18.58 $21.68 $10.89 $14.52 $18.15 $21.78 $25.41 Other Important Product Information Pre-existing condition limitations 12-month sickness, 12-month accident Pregnancy is treated as any other illness after 10 months of being covered Guaranteed Issue no health underwriting Benefits coordinate with any sick leave or worker s compensation payments received from the employer Creative Worksite Short-Term Disability, underwritten by Companion Life Insurance Company. Not all plans or plan features are available in all jurisdictions. Please refer to materials provided by the insurance carrier, including proposals and brochures, for a complete description including plan limits and exclusions.

11 Why Long-Term Care Insurance? More and more employees realize that the biggest threat to their family s retirement income is if the need for long-term care insurance should arise. This important coverage is a vital part of financial planning as it is designed to protect employees retirement income and personal lifestyles. Long-term care insurance pays for the expenses associated with needing care for an extended period of time at home or even a stay in a long-term facility. Long-term care is defined as the type of care needed as the result of: An inability to perform every day activities such as eating, dressing, bathing, toileting, transferring, and continence for a period of at least 90 days; or A severe cognitive impairment requiring substantial supervision to protect your health and safety. 3 in 4 Americans over age 65 will need some type of long-term care services. Source: Use of statistics does not imply endorsement The need for care can arise at any age. A long-term care situation can come about as the result of an accident or it can be needed temporarily due to a long recovery period after a significant illness such as cancer. Key Product Features Cash Benefit In lieu of being reimbursed for covered costs, elect to receive 10 times the daily benefit as cash to use as the employee sees fit. Return of Premium to Age 67 If an employee dies before the age of 67, the premiums paid for the policy will be refunded to your estate or a named beneficiary (less any claims paid). Double Coverage for Accident Benefit to Age 67 If an employee needs care due to an accident before the age of 67, expenses will be reimbursed up to twice the amount the employee is insured. Extra reimbursement does not reduce the pool of money. Policy Portability Coverage will be issued as a policy in the name of the employee. Coverage is portable and employee premium will not change as the result of leaving employment. Key Product Components: Maximum Daily Benefit - The maximum amount the employee will be reimbursed for eligible care expenses on a daily basis. Pool of Money The total amount available over the lifetime of the policy to cover eligible expenses. Benefit Increase Options (BIO) Deferred Bio, 3% Compound, and 5% Compound. Benefits increase automatically 3-5% on an annual basis. Elimination Period (Deductible) The number of care-days the employee pays for care out of pocket before reimbursement from policy start date. This deductible may only pertain to facility care. The employee may not satisfy any elimination period for home health care reimbursement. Using Long-Term Care Insurance Coinciding with the baby-boomer generation approaching retirement, employees may find themselves in the situation where the cost associated with needing long-term care could be one of the largest unfunded liabilities in the country today. As the nation ages, the segment of the population at risk of needing long-term care is increasing rapidly more rapidly than the number of individuals with any private pay solution such as insurance. Not all plans or plan features are available in all jurisdictions. Please refer to materials provided by the insurance carrier, including proposals and brochures, for a complete description including plan limits and exclusions.

12 An employer s benefit program is an investment designed to recruit and retain their most important asset, employees! Despite this large investment, many employers miss the opportunity to assure their ROI by not developing an effective communication and enrollment strategy. Let Digital Insurance assist in an effective communication and enrollment strategy! Digital offers clients a full suite of communication resources to assist employees in better understanding and enrolling in the their benefit options; Electronic Enrollment Web Based enrollment Toll Free Telephonic Enrollment (Core + Elective) x Communication = Integrated Benefits Core Enrollment Employee Total Compensation Statements On-site one-to-one meetings Let us assist with the design of an employee communication strategy that assures employees; Appreciate your investment in the welfare of themselves and their families Understand the options you offer them and how to make appropriate choices Have access to answers and support after the enrollment period Know how and when to make changes to their election throughout your plan year A well executed Benefits Communication and Education campaign may be one of the most important investments you make in your business.

13 What Is An Advocate? One who supports or promotes the interests of others. Insurance is complicated. Digital understands. Workers call us from the pharmacy, needing immediate answers. We respond. Employees call us from emergency rooms, desperate because of an insurance mix-up. We act. Many right from home, pleading for assistance on a claims or billing issue. We help. Do you really have the time to deal with all your workers questions about insurance claims, plan eligibility, provider networks or billing? Here s the perfect solution to increase employee satisfaction and productivity, while saving you time and money. We respond. We act. We help. With Digital, your employees have an ally by their side every step of the way (an ally that saves you time). Our customer advocates are eager to provide confidential answers to your employees questions about claims, eligibility, provider networks, plan design features, pharmacy issues and more. If your employees have a benefits-related problem, Digital s Customer Advocate Center will solve it. We re all about simplifying the health care journey and fixing insurance snags, glitches and hold-ups of all types. How we help your employees: Educate employees on how to use their benefits Help employees understand enrollment options Facilitate resolution on eligibility/billing issues Assist workers with claims Interpret insurance payment outcomes Provide alternative suggestions to satisfy patient needs Locate in-network providers And much, much more Because we specialize in creating great customer experiences for small and mid-sized businesses, meeting your needs is a priority. Digital has the expertise, resources and technology to follow through on that promise. A phone call is always quickest, but we re also available by , fax and online chat. Phone: Fax: service@digitalbenefitadvisors.com Online chat:

14 For more information, please visit our website DBA_BG 9/13