2011 Annual Enrollment. 2 Annual Enrollment Key Dates November 15, 2010 – Annual Enrollment Begins! Enroll online by calling the Benefits Service Center

2011Annual Enrollment

2

Annual Enrollment Key Dates

November 15, 2010 – Annual Enrollment Begins! Enroll online by calling the Benefits Service Center

November 26, 2010, Annual Enrollment Ends**If you do not enroll, the coverage you have in 2010 will continue in 2011 and the same eligible family members will continue to be covered. However, you must make an active election for FSA.

December 3, 2010 - Last day to submit enrollment corrections

December 10, 2010 - Benefit membership wallet cards are sent to your home directly from medical, pharmacy, and vision providers. The flexible spending account debit card is sent by Ceridian.

Benefits- New in 2011

BENEFIT PLAN CHANGES

Changes in plan designs (OA Premium, New Dental Plan and FSA Administrator)

Increases in deductibles, employee contributions and copays

ADMINISTRATION CHANGES

New Benefits Administrator, Ceridian

Automation of Benefits Administration

Availability of two benefits enrollment options

Online Enrollment-www.benefitenroll.com

Benefits Service Center-1-877-418-0038

. 3

Benefit Changes- Increase in Medical CostsSeveral factors contributed to the increase in copays, contributions and deductibles of the Medical Plan:

-Increase in medical inflation and claim costs during past twelve months

-Additional costs of Health Care reform (i.e. elimination of lifetime maximums, and increasing dependent coverage to age 26)

-High premiums for stop loss coverage for claims exceeding $250,000

Huber continues to pay over 70% of total medical plan costs.

4

2011 Benefit Changes-Medical

2011 Increase $

$$ Difference Between OA

Premium

Tobacco Free

Tobacco User

Tobacco Free

Tobacco User

Tobacco Free

Tobacco User

OA PremiumEE ONLY $133 $151 $17 $20 N/A N/AEE+1 $253 $289 $33 $38 N/A N/AEE+FAM $370 $424 $48 $56 N/A N/A

OA CoreEE ONLY $97 $115 $13 $16 ($36) ($36)EE+1 $178 $214 $23 $28 ($75) ($75)EE+FAM $259 $313 $34 $42 ($111) ($111)

2011 Medical Plan Monthly Contributions

5


Plan Features Open Access Premium Open Access Core

In-Network Out-of-Network

In-Network Out-of-Network

Office VisitPrimary doctorSpecialist

$30 copay$30 copay

70%70%

80%80%

60%60%

Physical $30 copay 70% 80% 60%

Inpatient hospital care

$290 copay 70% 80% 60%

DeductibleIndividualFamily

$225$675

$500$1,500

$300$900

$750$2,250

Lifetime Maximum

None None

6

7


Medical PlanChanges implemented as a result of the Health Care Reform Act

– Dependent coverage to age 26: If your dependent child is NOT eligible for other group coverage (other than under the Plan of their other parent), you may cover your dependent child up to age 26 whether they are married or unmarried, and regardless of whether or not they are students or live with you or dependent on your for support. This includes a child who is: a) natural born, b) legally adopted (also a child placed in your care for adoption), or c) stepchild. You may be asked for documentation

– If other coverage is available to the dependent, current dependent rules will Apply

– Elimination of $1 million lifetime limit on all benefits and annual limit on durable goods

Dental Plan ChangesChange of Carrier to CIGNA (Fully Insured Plan)– Domestic Partners Eligible (certain states)– Increase Dependent Age Coverage to 26 (same rules apply)

2011 Increase $

DentalEE ONLY $17.00 $3.00EE+1 $25.00 $4.00EE+FAM $41.00 $7.00

2011 Benefit Changes-Dental

2011 Monthly Dental Contributions:

8

9


Current New

Annual Maximum $1,000 $1,500

Orthodontic Maximum $1,000 $1,500

Reasonable and Customary

80th percentile 90th percentile

Sealants Covered to age 15 Covered to age 19

White Fillings Only on certain teeth

Covered for all teeth

Bruxism Devices (teeth grinding)

Not Covered Eligible Benefit

Enhancements to Dental Plan:


Transition to CIGNADental Treatment in Progress

If dental treatment (i.e. Root Canal or Crown where a Prep or impression has been taken) is in progress prior to the effective date of the new CIGNA dental program, but completed on or after 1/1/2011, the claim is submitted to CIGNA. CIGNA will review your claim and make a payment based on the CIGNA plan of benefits including determining if the provider is in or out of CIGNA’s network.

NOTE: Claims incurred prior to 1/1/2011 must be submitted to Aetna for payment. Aetna will accept and reimburse eligible claims submitted within 12 months of the date of service. Any claims incurred after to 1/1/2011 must be submitted to CIGNA for payment.

10


Transition to CIGNAOrthodontic Treatment in Progress

If orthodontic treatment is in progress (teeth are actively being moved by bands or appliances) prior to the effective date of the new CIGNA dental program, CIGNA will review your claim to determine if there is coverage.

CIGNA will request the following information to make their determination:• Original treatment plan showing the total months of active treatment• The orthodontist total case fee• The banding date

CIGNA will apply the current plan’s coinsurance amount to the contracted monthly payment amount owed and calculate if any additional payouts will be made. If a payout is made, you will be responsible for the balance of the cost.

Once payments are calculated, CIGNA will contribute to your cost until the lifetime orthodontic maximum has been met or until active treatment is complete. The amount of orthodontic benefits that have been paid under the Aetna program

will be transferred to CIGNA and applied towards the Ortho Lifetime Maximum.

11

CIGNA will be offering the following additional programs as part of the dental program:

Dental Oral Health Maternity Program – This program enhances dental benefits for expectant mothers with CIGNA dental. Eligible members receive 100% reimbursement of copay or coinsurance for select covered services.

Oral Health Integration Program – Eligible members with the following diagnosis - Cardiovascular Disease, Diabetes, Head/Neck Cancer Radiation, Stroke, Chronic Kidney Disease, and Organ Transplants may receive 100% reimbursement of out-of-pocket payments to the dentist for these services:

– Periodontal root scaling and planing– Periodontal maintenance

More information on this programs will be posted on www.CIGNA.com and available during Annual Enrollment.


12

13

2011 Benefit Changes-FSA

Health Care and Dependent Care FSA

– Change administrator to Ceridian

– No changes to design

Health Care FSA—maximum $5,000,

Dependent Care FSA—your contribution maximum $4,550. Huber will provide a 10% match on your contributions, up to

$450

– Over-the-counter items are no longer eligible Health Care FSA expenses

– Health care expenses for qualified children up to age 26 are eligible for Health Care FSA.

You must make an active election for FSA

Ceridian FSA Services

– Participants can check claim status via benefits portal (single sign-on).

– Benefits Service Center available Monday through Friday, from 8 a.m. to 8 p.m. Eastern time, to answer questions and provide support

– Claims submission via online tool, fax or mail

– Direct deposit of claim reimbursements

– Debit Card for Health Care Spending Account. Additional cards available for dependents over 18, upon request.

– Participant statements and communications via the Web


14

Ceridian FSA Services

– Every purchase using the debit card must be authorized through the substantiation rules according to IRS regulations.

– Expenses are typically substantiated via the review of receipts; however, expenses may be automatically substantiated if the claim can be verified through one of the approved IRS standards for electronic substantiation (i.e. Inventory Information Approval System (IIAS).

– The employee must submit receipts for unsubstantiated purchases within 60 days of Ceridian’s request. If the requested documentation is not received, the employee’s card is temporarily suspended until claims are substantiated.

– For any card swipe that is ineligible, the employee is required to pay back the plan via a check, money order or via reduction of future reimbursements.


15

FSA Transition

Aetna– Debit Cards will be cancelled as of 12/31/2010. All claims

must be submitted manually effective 1/1/2011.– Aetna will continue to process 2010/2011, eligible expense

through the Grace Period March 15, 2011.– All claims must be received by Aetna no later than April 30,

2011.– Aetna Navigator will be available through May 2011.

Ceridian– Debit Cards will mailed out in December.– Ceridian will process 2011 eligible FSA expenses only.– FSA benefits portal will be available as of 1/1/2011.


16

Other Benefits

There are no changes to the design or rates for the following Benefits:

–Vision–Life, AD&D and Disability(Beneficiaries can be viewed online through the new online enrollment system. Beneficiaries are transferring from Prudential to Ceridian)

–Prescription Drug

17

18

You can make your enrollment elections Online or by calling the Benefits Service Center.

ONLINE ENROLLMENT (www.benefitenroll.com)Can be accessed 24/7. You’ll need a computer with internet access and a printer. Your User ID: year of Birth + the Last 4 Digits of your SSNYour Password:000 + Last 4 Digits of your SSN After successful login, you will be prompted to change your password (must be 7 digits in length)

2011 Benefits- Enrollment Options


The following decision support tools are available on the Online System:

Plan Summaries Medical Compare Medical Cost Calculator FSA Calculator

You will also be able to update your Life Insurance Beneficiaries Online

19

To make your elections by phone, Call Toll Free: 1-877-418-0038

You’ll need to identify yourself by providing, Name, SSN and Relationship to caller

- The Benefits Service Center will be open from 8:00 AM to 8:00 PM EST.

- Benefits Service Representatives will assist you in reviewing your current election an making your annual enrollment elections

- It will be closed on Thanksgiving, November 25, but will be open on the Friday after Thanksgiving.

- You can call using any telephone, a landline is recommended.


20


- If you have questions regarding your benefits, call the Benefits Service Center. The Benefits Service Center representatives will provide you with an answer to your question or your question may escalated to a second tier representative with more in-depth knowledge of Huber Plans or you may be connected with a representative from one our benefit carriers, CIGNA, Medco, Prudential etc.

- If the representative connects you to a benefit administrator, you will receive a follow-up call from the administrator to confirm that your question was answered.

- Continue to use the ING website and phone support for the Savings Plan ( The benefits Service Center will not have Savings Plan information)

- Huber Human Resources Representatives will refer you to these resources

Beginning with Annual Enrollment:The enrollment options will also be your ongoing source for personal and general benefit information.

21

2011Benefits-Items to Consider

If you do not enroll, the coverage you have in 2010 will continue in 2011 and the same eligible family members will continue to be covered.

You must make an active election for FSA

Consider changes in your life or financial situation that may affect your benefits needs

Compare Huber Benefits with your spouse’s benefits, if he or she has benefits available

Review your personal insurance and other assets

Total your 2010 out-of pocket expenses for all benefits and consider if your 2011 expenses will be different

You may also want to speak to your financial or tax advisor

22

23

2011 Benefits

Questions?

ADDITIONAL SLIDES

24

Important things to remember about your medical benefits:

• Patients must get approval for all in-patient hospital admissions and selected outpatient procedures. Simply contact CIGNA before being admitted to the hospital or having an outpatient procedure, and CIGNA will handle it

• You are responsible for verifying that your doctor is in the network. You can do this by checking www.cigna.com. Follow the directions to find a doctor

• If you have additional questions, call CIGNA Member Services at the 1-800 number on your ID Card

25

Medical Options for Part-timers

• Part-time, regular employees and their eligible dependents can enroll in the medical plan options:

• Same plan options (OA Premium and OA Core)• Part-time employee contribution rates are based

on standard hours worked:– At least 30 hours, but less than 40: 150% of

active rate– 20 or more hours, but less than 30: 200% of

active rate

26

Don’t miss these great programs offered through CIGNA.Just call member services or visit the CIGNA website

• CIGNA Health Information Line: 24/7 toll-free phone line answered by registered nurses who can help with pre-certification, benefit and medical questions

• Healthy Rewards®: Discounts on many health services and goods, including fitness clubs, massage therapy, hearing aids, and laser vision correction

• Healthy Babies®: Voluntary prenatal program offering educational materials and 24/7 nurse support line

• CIGNA WellAware: Disease management programs that offer resources and information for chronic illnesses such as asthma, COPD, back pain and heart disease

CIGNA Advantages

27

28

2011 Prescription Drug Benefits

• Medco will continue to administer Prescription drugs

• You are automatically enrolled for prescription drug coverage when enrolling in one of the CIGNA options

• Always double check Medco’s formulary to get the most from your coverage. Check to see if your medications are part of the Medco formulary by visiting the “Benefit Highlights” section of the Medco website at www.medco.com and click on the view your preferred drug list link.

• Copays for the Medco program will not change

• The following prescriptions programs will continue to be offered from Medco (Preferred Home Delivery, Step Therapy, Generic Preferred)

• Medco’s specialty pharmacy is Accredo

29

2011 Prescription Benefits

There are no changes for 2011

Plan Features Open Access Premium Open Access Core

In-Network Out-of-Network In-Network Out-of-Network

Retail (30 day supply)GenericBrand FormularyNon-formulary

$10 copay$25 copay$40 copay

After med. deductible is met: Plan pays 100% of the network cost



Mail (90 day supply)GenericBrand FormularyNon-Formulary





30

When to Use Medco By Mail

Use Medco By Mail home delivery when you will take a drug for more than 60 days

• Retail store or pharmacy should be used for one-time and

short-term prescriptions. Can fill 2 times, for up to 60 days total. (30 days at a time)

• After 60 days, switch prescription to Medco by Mail home delivery—easy and convenient:– Can get up to a 90-day supply of medications– You can continue to refill at pharmacy, but you will pay

the 90-day Home Delivery copay for every 30-day refill you get from the pharmacy

31

2011 Vision Monthly Contributions

• EyeMed will continue to administer the Vision Plan• Monthly contributions will remain the same

2011 Change $

EyeMed (Vision)EE ONLY $5.26 $0.00EE+1 $10.54 $0.00EE+FAM $16.96 $0.00

32

2011 FSA-Health Care Spending Account

• The Contribution limit is still $5,000

• When deciding how much to contribute, review the 2011 list of eligible expenses at the Ceridian website.

• In late December, you will receive a debit card loaded with the total amount you pledge for the year

• Use your Ceridian debit card at health care providers and “certified” merchants for eligible expenses. See the Ceridian website for a list of certified merchants. You can file paper claims and get a check in the mail, if you prefer

• You can spend the total amount you pledge, even if contributions have not been deducted from your paycheck—it’s like an interest-free loan!

• Keep your receipts!

Remember: Over-the-counter items are longer eligible FSA expenses

33

2011 FSA-Dependent Care Spending Account

• No plan changes for 2011

• Your total maximum contribution is $4,550. Huber will provide a 10% match on your contributions, up to $450.

• Ceridian will administer. Debit cards cannot be used for dependent care expenses. You must file claims

• A worksheet to help estimate your 2011 expenses is available on the online system

• Don’t forget to send all 2010/2011 eligible claims to Aetna by April 30, 2011.

34

Enroll for Flexible Spending Accounts

Your FSA Options:• Health Care FSA—maximum $5,000• Dependent Care FSA—your contributions maximum

$4,550• No coverage in either or both FSAs

Remember:• Ceridian will administer for 2011 • Over-the-counter items are no longer eligible for Health

Care Spending Account• Health care expenses for qualified children up to age

26 are eligible for Health Care FSA• You must enroll for 2011, there is no default

coverage

35

2011 Benefits ChangesLife and Disability Insurance

• No change to your coverage options

• If you are currently enrolled in supplemental life coverage and you want to increase your coverage by 1x, up to 3x or $300,000 – you can do it without evidence of insurability (EOI)

• EOI is required if you choose supplemental long term disability coverage. The Annual Enrollment website provides instructions

• You can enroll for dependent coverage for your spouse

up to $25,000, without providing EOI. Additional coverage will require EOI for your spouse.

• EOI is never required for children covered as dependents or for Accidental Death & Dismemberment (AD&D) coverage.

36

Enroll for Supplemental Life InsuranceBasic Life Insurance: 2 x annual pay. Provided

by Huber, at no cost to you

Your Supplemental Options: Your choice of an additional – 1 x annual pay– 2 x annual pay– 3 x annual pay– 4 x annual pay– No additional coverage

Remember: • Evidence of Insurability (EOI) may be required if you

increase your coverage by more than 1 x pay or $300,000 total

• Defaults to 2010 coverage

37

Enroll for Dependent Life Insurance

Your Dependent Life Options: Your choice of – $10,000 spouse + $5,000 per child– $25,000 spouse + $5,000 per child– $50,000 spouse + $10,000 per child_– $100,000 spouse + $15,000 per child– No coverage

Remember: • Evidence of Insurability (EOI) is required for spousal

coverage of $50,000 or $100,000• Defaults to 2010 coverage

38

Enroll for Business Travel Accident InsuranceBasic Travel Accident Insurance: $100,000 for

business travel only. Provided by Huber, at no cost to you

Your Options: Up to an additional $400,000 – Purchased in increments of $50,000– No additional coverage

Remember: • Evidence of Insurability (EOI) is not required• Defaults to 2010 coverage

39

Enroll for Accidental Death and Dismemberment InsuranceYour Options: Individual or family coverage

– $100,000– $200,000– $300,000– No coverageIf you choose family coverage, your coverage is

100% of the total. Other family members’ coverage is a percentage of the total amount.

Remember: • Evidence of Insurability (EOI) is not required• Defaults to 2010 coverage

40

Enroll for Long Term Disability Insurance

Basic Coverage: Coverage equal to 50% of your annual pay is provided by Huber at no cost to you

Your Options:– Coverage equal to an additional 10% of your

annual pay– No additional coverage

Remember: • Paid with after-tax contributions• Evidence of Insurability (EOI) is required• Defaults to 2010 coverage

41

2011 Benefits – Employee Savings Plan

Annual Enrollment is a good time to review your Savings Plan account

- Use easy modeling tools on website to determine if you’re on track to meet your goals

- Change your contributions (Huber matches on first 5% of your salary contributed)

- Change your investment allocation- Re-balance your investments

Documents

2011 Annual Enrollment. 2 Annual Enrollment Key Dates November 15, 2010 – Annual Enrollment Begins! Enroll online by calling the Benefits Service Center