hy should you consider purchasing disability insurance protection at your workplace?

Grape Creek ISD W hy should you consider purchasing disability insurance protection at your workplace? Less than 5% of disabling accidents and illnesses are work related. The other 95% are not, meaning Workers' Compensation doesn't cover them. Many of us lead busy lives and seldom take time to think about life s risks. Consider the following reasons many people purchase disability insurance: (Source: Council for Disability Awareness, Long-Term Disability Claims Review, 2011. http://www.disabilitycanhappen.org/research /CDA_LTD_Claims_Survey_2011.asp) Lost wages Daily living expenses, such as: 90% of disabilities are caused by illness. (Source: Council for Disability Awareness, http://www.disabilitycanhappen.org/chances _disability_stats.asp., August, 2012.) Mortgage / rent Utilities Car Food Ongoing medical expenses Childcare Eldercare Hobbies Pet care 64% of wage earners believe they have a 2% or less chance of being disabled for 3 months or more during their working career. The actual odds for a worker entering the workforce today are about 30%. Advantages of shopping at work include: Affordable group rates Convenient payroll deduction (Source: Social Security Administration website, ssa.gov, Fact Sheet, March 18, 2011.) Guaranteed issue for timely applicant Easy access Less than half (35.6%) of the 2.9 million workers who applied for Social Security Disability Insurance (SSDI) benefits in 2011 were approved. (Source: Social Security Administration website, ssa.gov, Monthly Statistical Snapshot, December 2012.) Products and financial services provided by American United Life Insurance Company a ONEAMERICA company. Visit us at www.oneamerica.com for more information

Grape Creek ISD Products and financial services provided by American United Life Insurance Company a ONEAMERICA company One American Square, P.O. Box 6123 Indianapolis, IN 46206-6123 (800) 553-5318 AUL's Group Voluntary Disability Insurance Coverage for Eligible Employees Guaranteed Issue Benefit Amount Waiver of Premium Benefit Partial Disability Benefit Return to Work Benefit Elimination Period Residual Benefit Portability Privilege Pre-existing Condition Limitations¹ Workplace Modification Benefit Continuation of Insurance under FMLA Eligible Employees If you enroll timely, you will be able to apply for coverage up to the Guaranteed Issue Amount without providing Evidence of Insurability. Any payable benefit is based on a percentage of an employee's covered earnings subject to AUL's approval, contract maximums, reduction by other income benefits and according to contract terms and conditions. If eligible under the insurance contract and approved for this benefit, AUL will waive premium payments for your coverage while you remain disabled. Because of injury or sickness, you, while unable to perform every material and substantial duty of your regular occupation on a full-time basis, are performing at least one of the material and substantial duties of your regular occupation, or another occupation, on a full or part-time basis, and are earning less than 80% of your indexed pre-disability earnings due to the same injury or sickness. You may be able to return to work for a specified time period without having your partial disability benefits reduced according to the contract. The Return to Work Benefit is offered up to a maximum of 12 months. This is a period of consecutive days of disability before benefits may become payable under the contract. The elimination period may be met with the period of time you are totally disabled, partially disabled, or a combination of both. This benefit is available under contracts in which the Maximum Benefit Duration is one year or greater. You may be eligible to apply for continuation of coverage should your coverage terminate. Approval for this benefit will extend your coverage for an additional period of time. Certain disabilities are not covered if the cause of the disability is traceable to a condition existing prior to your effective date of coverage. A pre-existing condition is any condition for which an ordinarily prudent person would ordinarily have received medical treatment or consultation, taken or were prescribed drugs or medicine, or received care or services, including diagnostic measures, within a time-frame specified in the contract. PA, MO and other states do not include a prudent person standard and incurred expenses are not applicable in MO contracts. You must also be treatmentfree for a time-frame specified in some contracts following your individual effective date of coverage. If eligible under the insurance contract for this benefit, AUL may pay the expense for any reasonable and necessary modification to the workplace to accommodate the disability and enable you to return to active work with the employer. If eligible under the insurance contract and approved for the FMLA (Family Medical Leave Act) benefit, your coverage may be continued for a period for time outlined in the contract while on an employer approved leave of absence under the FMLA. An eligible employee is a full-time employee legally authorized to work and reside in the US. You must work 30 or more hours per week and cannot be considered a part-time, temporary or seasonal employee. If you are not actively at work on the contract effective date, group insurance coverage will not exist until you return to full-time active work.

Grape Creek ISD Products and financial services provided by American United Life Insurance Company a ONEAMERICA company One American Square, P.O. Box 6123 Indianapolis, IN 46206-6123 (800) 553-5318 AUL's Group Voluntary Disability Insurance Coverage for Eligible Employees Eligible Employees Evidence of Insurability An eligible employee is a full-time employee legally authorized to work and reside in the US. You must work 20 or more hours per week and cannot be considered a part-time, temporary or seasonal employee. If you are not actively at work on the contract effective date, group insurance coverage will not exist until you return to full-time active work. If you do not enroll timely, you will be required to provide a statement or proof of medical history. AUL will then review that information to determine if coverage can be approved. Note: This invitation to inquire allows eligible employees an opportunity to inquire further about group insurance coverage and is limited in its description of the losses for which benefits may be payable. The contract has exclusions, limitations, reduction of benefits, and terms under which the contract may be continued in force or discontinued. The contract may contain a waiting or elimination period between the effective date of the contract and the effective date of coverage, and between the date a loss occurs and the date benefits begin to be payable for the loss. ¹Incurred expenses are not applicable in Missouri

Grape Creek ISD OneAmerica Employee Benefits Voluntary Disability Insurance - Monthly Payroll Deductions VOLUNTARY Rates Benefit Max Monthly Elimination Benefit Pre-Existing Max Covered DISABILITY % Benefit Period Duration Period Monthly Payroll Age Rate* <30 0.44 30-34 0.44 LTD 35-39 0.44 Plan 1 40-44 0.44 60% $6,000 90 days SSFRA 3/12 $10,000.00 45-49 0.44 50-54 0.44 55-59 0.44 60 + 0.44 * per $100 of monthly covered payroll To calculate the Monthly premium, do the following: 1. Enter the lesser of: a) Employee's Monthly Salary or b) Maximum Covered Monthly Payroll for the chosen plan: 2. Divide step 1 by 100 3. Enter appropriate rate from "Age Band" above. 4. Multiply step 2 times step 3 for monthly premium 5. Multiply step 4 times 12 and divide by 12 for Monthly payroll deductions. Rates Effective 10/1/2013

Summary of Benefit Durations under AUL's Group Voluntary Long Term Disability Insurance Contract SSFRA Age When Total Disability Begins Maximum Period Benefits are Payable Greater of: SSFRA or Less than 60....To age 65 60....5 years 61.....4 years 62... 3.5 years 63.....3 years 64......2.5 years 65....2 years 66....21 months 67....18 months 68......15 months 69 and over....12 months SSFRA is the Social Security Full Retirement Age as determined by the Social Security Administration (SSA) and can be found at www.ssa.gov/retire2/retirechart/html. According to SSA, the normal retirement age is currently as follows: Year of Birth Full Retirement Age Before 1938... 65 1938...65 and 2 months 1939.....65 and 4 months 1940... 65 and 6 months 1941... 65 and 8 months 1942...65 and 10 months 1943-54......66 1955... 66 and 2 months 1956... 66 and 4 months 1957.....66 and 6 months 1958...66 and 8 months 1959...66 and 10 months 1960 and After...67 Please note: Employers need to consult and discuss with the appropriate legal representative or employee benefits consultant to ensure compliance with the Age Discrimination in Employment Act (ADEA) and the Older Workers Benefit Protection Act (OWBPA). AUL is not able to warrant or represent that a benefit duration selected by a particular employer will comply with these laws. Products and Financial Services provided by American United Life Insurance Company, a OneAmerica company

Employee Assistance Program (EAP) What is an EAP? An EAP is a confidential, worksite-based program designed to assist both employees and employers. An EAP provides assessment and referral in person and over the phone for personal matters. Each eligible employee 1, along with each eligible employee s dependents, is entitled to three visits (or sessions) free-of-charge per calendar year. Also, telephone intakes and information calls regarding EAP services are free and unlimited. Who is EAPC? EAP services are provided through EAP Consultants, Inc. (EAPC). EAPC is a private company with a diverse network of licensed professionals, including clinical providers and consultants. All EAP services are completely confidential pursuant to current US laws and regulations. EAPC s services include access to highly experienced clinical providers that include licensed psychologists, clinical social workers, professional counselors, marriage and family therapists and alcohol and drug counselors. Consultants include attorneys, financial advisors and elder care and child care specialists. EAPC also offers online services to fit a wider array of needs. EAP professionals will help employees identify and clarify concerns and develop a plan of action to create solutions that work. If additional assistance is needed, EAPC will assist employees in finding resources that may be covered by their insurance and meet their financial capabilities. For detailed information, contact EAP Consultants, Inc. at 1-800-869-0276. To confidentially request services online, visit the member access page at www.eapconsultants.com. The password is OneAmericaEAP. 1. Employee eligibility based upon contract terms. Contact your employer for EAPC s eligibility requirements. All services must be arranged by EAPC who is wholly responsible for provision and administration of the EAP. 2013 OneAmerica Financial Partners, Inc. All rights reserved. Assessment and referral services Personal concerns Stress Marital & family issues Crisis Emotional concerns Psychiatric disorders Relationship issues Medical problems Life adjustments Work-related difficulties Alcohol & drug problems Online services Stress management course Legal/financial library Legal/financial articles Sample legal documents Smoking cessation program Identity theft resources Childcare Assess childcare needs and explore care options Adoption resources Eldercare Resources and referral for both public and private eldercare facilities Legal Consultation provided for an array of legal issues, including family law, housing and real estate and estate planning Financial Financial planning Retirement planning Academic resources asd SAT and other testing resources Tutors Pet services Referrals for breeders, kennels, veterinarians, etc. Behavioral health library Information on numerous life issues Wellness information Depression and substance abuse screenings Referrals for an array of childcare arrangements, camps and schools Consultation on evaluation of facilities Simple will prepared at no cost 25% discount on standard attorney hourly rate for services rendered beyond scope of EAP Investment strategies Money management College planning guides Sources of financial assistance Pet services guide EAPC is neither affiliated nor under common control with OneAmerica or AUL, and AUL only markets EAPC products. Marketed by American United Life Insurance Company a OneAmerica company One American Square, P.O. Box 368 Indianapolis, IN 46206-0368 (317) 285-1877 www.oneamerica.com G-23380 03/14/13

Did you know? Europ Assistance had over 62 million telephone calls in 2007 (two calls per second) and 12.5 million assistance cases (one case every two seconds). In 2006, we performed our 150,000,000th assistance case. Why Europ Assistance? What is Europ Assistance USA? We are the US office of Europ Assistance, the company that created the concept of Travel Assistance 45 years ago. Travel Assistance helps you if you are faced with an emergency when traveling. With a local network providing support in virtually all countries in the world, EA is here to assist you 24 hours a day. In a life-threatening situation, should I call local authorities or Europ Assistance USA? In the event of a life-threatening emergency, please first call the local emergency authorities to receive immediate assistance, and then contact Europ Assistance USA. I have medical insurance. Why do I need travel assistance as well? EA has the resources to help you medically and financially in case of a travel emergency. Even the best health insurance companies do not have an out of area network comparable to EA. EA s network is both domestic and international. EA monitors your medical condition to make sure you receive proper care. EA can help you find an appropriate medical facility or transport you to one if necessary. On the financial side, even if your medical insurance provides complete overseas coverage, you will most likely have to pay up front for medical services. EA can in many cases provide the necessary guarantee of payment, saving you from having to pay expenses out of pocket. Contact Us Europ Assistance USA is here to help you 24 hours a day in the event of an emergency. When you call, please be ready to provide: **The name of your employer **A phone number where we may reach you US/Canada: 1 866 294 2469 From other locations call collect: +1 240 330 1509 Email OPS@europassistance-usa.com E-Services: www.europassistance-usa.com Username: AUL Password: travel411 Your Travel Assistance Program 4330 East-West Highway, Suite 1000 - Bethesda, MD 20814 - USA www.europassistance-usa.com G-21373 Travel Automobile Health Home & Family

Your guide to safe travel Emergencies happen, but help is now only a phone call away. Europ Assistance USA (EA) provides 24 hour services that can help you access emergency assistance when you are traveling 100 or more miles away from home. Europ Assistance USA is there when a crisis strikes to help you obtain the care and attention you need. Over 850,000 multilingual service professionals stand ready to assist you in 200 countries and territories worldwide. Key Services: Medical Search and Referral EA will assist you in finding physicians, dentists, and medical facilities. Medical Monitoring During the course of a medical emergency, professional case managers, including physicians and nurses, will monitor your case to determine whether the care is appropriate or if evacuation/repatriation is required. Emergency Evacuation/Medically Necessary Repatriation In the event of a medical emergency, when a physician designated by EA determines that it is medically necessary for you to be transported under medical supervision to the nearest hospital or treatment facility or be returned to your place of residence for treatment, EA will arrange, and arrange payment for the transport under proper medical supervision. Dependent Children Assistance If any dependent children under the age of 18 traveling with you are left unattended because you are hospitalized, EA will arrange, and arrange payment for their economy class transportation home. Should transportation with an attendant be necessary, EA will arrange for a qualified escort to accompany the children. Visit by Family Member/Friend If you are traveling alone and must be or are likely to be hospitalized for seven consecutive days, EA will arrange, and arrange payment for round-trip transportation for one member of your immediate family, or one friend designated by you, from his or her home to the place where you are hospitalized. Repatriation of Remains In the event of your death while traveling, EA will arrange, and arrange payment for all necessary government authorization, including a container appropriate for transportation and for the return of the remains to place of residence for burial. Traveling Companion Assistance If a travel companion loses previously-made travel arrangements due to your medical emergency, EA will arrange for your traveling companion s return home. Replacement of Medication and Eyeglasses EA will arrange to fill a prescription that has been lost, stolen or requires a refill, subject to local law, whenever possible. EA will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription refill, etc. are your responsibility. Vehicle Return EA will arrange, and arrange payment for the return of the vehicle left unattended to your domicile or place of rental if you become physically unable to operate any non-commercial vehicle (i.e., auto, motorhome, rental car, etc.) as a result of a medical emergency. The vehicle must be in good driving condition and capable of being driven on the highway in compliance with local laws. You will not be reimbursed for services provided to you at no cost. Emergency Travel Arrangements If appropriate, EA will make new travel arrangements or change airline, hotel, and car rental reservations. Emergency Cash EA will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Locating Lost or Stolen Items EA will assist in locating and replacing lost or stolen luggage, documents, and personal possessions. Legal Assistance/Bail EA will locate an attorney and advance bail bond, where permitted by law, with satisfactory guarantee of reimbursement from you. (You pay attorney fees). Interpretation/Translation EA will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents. Pre-Trip Information EA offers a wide range of informational services before you leave home, including: Visa, Passport, Inoculation and Immunization Requirements, Cultural Information, Temperature, Weather Conditions, Embassy and Consulate Referrals, Foreign Exchange Rates, and Travel Advisories Who is eligible for these services? Individuals who receive coverage under American United Life Insurance Company 's product offerings and their spouses, domestic partners and children are eligible for these services once coverage has been verified. Pre-trip informational services are available at any time. All other services take effect when you are on a trip 100 miles or more from home lasting 90 days or less. How is coverage verified? EA does not receive names of individual covered members. When you call, EA will verify eligibility through your employer s designated contact person. There may be circumstances in which EA reasonably believes that a sick or injured person is a Covered Member, but cannot verify participation through the employer s designated contact person. If your employer does not inform EA of eligibility status within 24 hours from EA s initial verification inquiry and you claim to be a covered member, then EA shall have the right, but not the obligation, to consider you a Covered Member. Before providing any services deemed appropriate by EA, EA will request payment from you or from a member of your family or friend. Who is responsible to pay for these services? After your coverage has been verified, EA will arrange, and arrange payment for the following subject to the policy limits and guidelines: - Emergency Evacuation: $150,000 Combined Single Limit (CSL) - Medically Necessary Repatriation: Included in CSL - Repatriation of Remains: Up to $15,000 If traveling alone: - Visit of Family Member or Friend: Up to $5,000 - Return of Dependent Children under Age 18: Up to $5,000 - Return of Vehicle: Up to $2,500 If EA is unable to verify your coverage, you must provide proper guarantee of payment prior to EA incurring third party expenses. Conditions and Exclusions: All transportation related services, coverages and payments must be arranged and pre-approved by EA. EA shall not provide services enumerated if the coverage is sought as a result of: suicide or attempted suicide; intentionally self-inflicted injuries; participation in any war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not) or civil war, rebellion, revolution, and insurrection, military or usurped power; participation in any military maneuver or training exercise; traveling against the advice of a Physician; traveling for the purpose of obtaining medical treatment; traveling in any country in which the U.S. State Department issued travel restrictions; piloting or learning to pilot or acting as a member of the crew of any aircraft; mental or emotional disorders, unless hospitalized; being under the influence of drugs or intoxicants unless prescribed by a Physician; commission or the attempt to commit a criminal act; participation as a professional in athletics or underwater activities; participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering; any race; bungee cord jumping; speed contests; spelunking or caving, heliskiing, extreme skiing; dental treatment except as a result of accidental Injury to sound, natural teeth; any non-emergency treatment or surgery, routine physical examinations, hearing aids, eyeglasses or contact lenses; pregnancy and childbirth (except for complications of pregnancy); curtailment or delayed return for other than covered reasons; services not shown as covered; travel within 100 miles of your permanent residence, unless in a foreign country, or travel in a foreign location in excess of 90 days for any one trip. EA reserves the right to suspend, curtail or limit its services in any area in the event of rebellion, riot, military uprising, war, labor disturbances and strikes, nuclear accidents, acts of God, or refusal of the authorities in the country of assistance to permit EA to fully provide services. EA will however, endeavor to provide services to the best of its ability during any such occurrence. The medical professional and/or attorneys suggested and/or designated by EA and/or providing services on behalf of EA are not employees of EA and, therefore, EA is not responsible or liable for their negligence or other acts or omissions. Available 24 hours a day From the US and Canada: 1 866 294 2469 From other countries +1 240 330 1509 (call collect)