2011 PPCP Employee Benefit Guide

Welcome to your 2011 Employee Benefits Guide

We are committed to providing employees with a benefits program that is both

comprehensive and competitive. Our program offers a range of plan options to

meet the needs of our diverse workforce. We know that your benefits are important

to you and your family. This program is designed to assist you in providing for the

health, well–being and financial security of you and covered dependents. Helping you

understand the benefits PPCP offers is important to us. That is why we have created

this Employee Benefits Guide.

Benefits Guide Overview

This guide provides a general overview of your benefit choices to help you select

the coverage that is right for you. Be sure to make choices that work to your best

advantage. Of course with choice, comes responsibility and planning. Please take time

to read about and understand the benefit, plan thoughtfully, and enroll on time.

Included in this guide are summary explanations of the benefits and costs as well as

contact information for each provider.

It is important to remember that only those benefit programs for which you are

eligible and have enrolled in apply to you. We encourage you to review each section

and to discuss your benefits with your family members. Be sure to pay close attention

to applicable co-payments and deductibles, how to file claims, preauthorization

requirements, networks and services that may be limited or not covered (exclusions).

This guide is not an employee/employer contract. It is not intended to cover all

provisions of all plans but rather is a quick reference to help answer most of your

questions. Please see your Summary Plan Description for complete details. We hope

this guide will give you a clear explanation of your benefits and help you be better

prepared for the enrollment process.

Contents

At Your Service .......................................................................................................................................................... 3

Your Contributions ...................................................................................................................................................4

Eligibility Details ....................................................................................................................................................... 5

Medical Insurance .....................................................................................................................................................6

HSA .................................................................................................................................................................................. 8

Health & Wellness .....................................................................................................................................................9

Dental Insurance ...................................................................................................................................................... 10

Basic Life Insurance ................................................................................................................................................12

Optional Term Life Insurance.............................................................................................................................13

Voluntary Long term Disability .........................................................................................................................14

Voluntary Short term Disability ...................................................................................................................... 15

Allstate Workplace Benefits ...............................................................................................................................16

401(k) Plan ..................................................................................................................................................................17

Pre-Paid Legal Services ...................................................................................................................................... 18

Identity Theft Protection .................................................................................................................................... 19

Employee Assistance Program (EAP) .......................................................................................................... 21

Medicare Notice ....................................................................................................................................................... 21

Chip Notice ...............................................................................................................................................................22

Benefit Contacts ......................................................................................................................................................23welco

me

2 Employee Benefits Guide

Employee Call Center

PPCP employees have access to a dedicated employee benefit hotline to answer questions about enrollment, coverage, claims and all other concerns regarding their employee benefit package. Our call center is staffed with trained professionals who understand your benefits plan and are dedicated to providing solutions to your problems. Its easy and its free, just call or email:

1-877-335-3067 (toll-free) Monday - Friday 9am - 5pm EST email: [email protected]

At Your Service...

Employee Service Hotline: 1-877-335-3067 3


Medical Plan - PPODeduction

per pay period*

Employee Only $80.00

Employee + Spouse $375.50

Employee + Children $297.00

Employee + Family $474.00

Medical Plan - hdhPDeduction

per pay period*





Your ContributionsMe

dical

dental PlanDeduction

per pay period*



Dental

*Deductions based on 24 pay periods


Are you eligible for benefits?

To determine the benefits for which you may be eligible, please refer to the chart below. You are eligible to participate

in these plans upon meeting each plan’s eligibility requirements. You also have the option to enroll your eligible

dependents in some of these plans. Eligible dependents may include:

• Your spouse

• Your children to age 26*

*Certain limitations apply. Please call the Employee Service Hotline for additional information, 1-877-335-3067

Eligibility Details

Benefit Plan Eligibility New Hire Waiting Period

Medical/Prescription Full time Employee First of the month following 90 days

Dental Full time Employee First of the month following 90 days

Basic Life Full time Employee First of the month following 90 days

Optional Life Full time Employee First of the month following 90 days

Voluntary LTD Full time Employee First of the month following 90 days

Voluntary STD Full time Employee First of the month following 90 days

401 (k) Full time Employee First of the month following 90 days

Medical Plan - PPODeduction

per pay period*





Medical Plan - hdhPDeduction

per pay period*





BenefitsIn-Network

MEMBER PAYSOut-of-Network MEMBER PAYS

Annual Deductible - Per Member / Per Family $750 / $2,250 $1,500 / $4,500

Coinsurance - Plan Pays / Member Pays(After the deductible, all covered expenses are paid as follows)

80% / 20% 60% / 40%

Maximum Coinsurance - Per Member / Per Family (Once these limits are met, all remaining covered expenses are paid at 100%)

$3,000 / $6,000 $6,000 / $12,000

Primary Care Office Services Hospital Services

$20 copay per visit$0

Deductible, then 40%Deductible, then 40%

Specialty Care Office Services Hospital Services (includes inpatient, outpatient & ambulatory care services)Emergency Room care

$40 copay per visitDeductible, then 20% Deductible, then 20%

Deductible, then 40%Deductible, then 40% Deductible, then 20%

Other Routine Care GYN exam Routine Screening Mammogram Routine Screening Colonoscopy

$20 copay per visit$0 $0


Maternity Care Routine Maternity Physician Services Deductible, then 20% Deductible, then 40%

Inpatient Hospital/Facility Services (Authorization required) Admission (including maternity) Skilled Nursing and Long-term Acute Care Facility

Deductible, then 20% Deductible, then 20%


Outpatient/Ambulatory Care Facilities All services (including maternity) Emergency room services Urgent care

Deductible, then 20% $150 per visit, then 20%

$20 copay per visit

Deductible, then 40%$150 per visit, then 20% Deductible, then 40%

Other Services Occupational Therapy – 20 visits per Benefit Period Physical Therapy – 20 visits per Benefit Period Speech Therapy – 20 visits per Benefit Period Ambulance Home Health Private Duty Nursing - up to 60 days per Benefit Period Hospice Initial Prosthetic Appliances Medical Supplies Chiropractic Services - $1,000 maximum per Benefit Period

Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%

$40 per visit

Not CoveredNot CoveredNot Covered

Deductible, then 40%Deductible, then 40%Deductible, then 40%Deductible, then 40%Deductible, then 40% Deductible, then 40%

Not Covered

Prescription Drugs (No max per Benefit Period. You may have to pay more if you select a brand-name drug instead of a generic drug.)

*Retail - up to 31 day supply Mail - 90 day supply

Generic drug and designated over-the-counter drug $8 copay $16 copay

Preferred brand-name drug $35 copay $70 copay

Non-preferred brand-name drug $55 copay $110 copay

Specialty Pharmaceuticals (In-Network Only) (Specialty Pharmaceuticals are administered as a Medical Benefit)

Specialty Pharmaceuticals are administered as a Medical Benefit $125 per administration, $80 per admin. for select drugs

Annual Maximum $2,000,000

Benefit Period calendar Year


Medical Plan | PPO Administered by BlueChoice HealthPlan

BenefitsIn-Network

MEMBER PAYSOut-of-Network MEMBER PAYS

Deductible per Benefit Period - Per Member / Per Family $2,750 / $5,500 $3,500 / $7,000

Coinsurance Maximum per Benefit Period Per Member / Per Family Not Applicable $6,500 / $13,000

Physician Care (Routine/preventive care covered) Office services (Preventive Care Only) Office Services (all other) Hospital Services (includes inpatient, outpatient & ambulatory care services)

$15 copay per visitDeductible, then 0% Deductible, then 0%


Other Routine Services (Not subject to deductible or copayment)Routine Screening Mammogram Routine Screening Colonoscopy

$0 $0


Maternity Care Routine Maternity Physician Services Deductible, then 0% Deductible, then 40%

Hospital/Facility Services (Authorization required) Inpatient admission (including maternity) Skilled Nursing and Long-term Acute Care Facility



Outpatient/Ambulatory Care Facilities All services (including maternity) Emergency room services Urgent care

Deductible, then 0% Deductible, then 0% Deductible, then 0%

Deductible, then 40%Deductible, then 0%

Deductible, then 40%

Other Services

Occupational Therapy – 20 visits per Benefit Period

Physical Therapy –20 visits per Benefit Period

Speech Therapy – 20 visits per Benefit Period

Behavioral Therapy (ABA) for Autism Spectrum Disorder - $50,000 maximum per Benefit Period

Ambulance

Home Health

Hospice

Initial Prosthetic Appliances

Medical Supplies

Private Duty Nursing up to 60 days per Benefit Period

Dental Services due to Accidental Injury

Durable Medical Equipment (DME)

Deductible, then 0%

Deductible, then 0%

Deductible, then 0%

Deductible, then 0%

Deductible, then 0%

Deductible, then 0%

Deductible, then 0%

Deductible, then 0%

Deductible, then 0%

Deductible, then 0%

Deductible, then 0%

Deductible, then 0%




Not Covered









Prescription Medicine Certain Prescription Medicine may require prior authorization or have dosage limits

Deductible, then 0% Not Covered

Specialty Pharmaceuticals Deductible, then 0% Not Covered

Annual Maximum $2,000,000

Benefit Period calendar Year


Medical Plan | HDHP Administered by BlueChoice HealthPlan


HSA Administered by First Federal

Is a First Federal HSA Right For Me?

With its tax advantages, a Health Savings Account from First Federal can be a smart way to take the sting out of health care expenses. But is it right for you? Government regulations determine who is eligible to open a Health Savings Account. To see if you qualify, simply answer the following checklist.

Do all of the above conditions describe your situation? If so, congratulations. You probably qualify to open a Health Savings Account.

As with any tax-advantaged account, it is always a good idea to consult with our tax advisor or legal professional to be sure an HAS

is right for you.

*** Starting 2011, you can no longer use your HSA for over-the-counter drugs.***

How Much May I Contribute?

Maximum

Contribution (2011)

Single Coverage $3050.00

Family Coverage $6150.00

People between the ages of 55 and 64 can contribute an additional $1,000 (in 2011) above the maximum to their HSA.

Service Fees

Account Opening Fee $15.00

Annual fee $35.00 (collected March 15th each Calendar year)

Early Closing fee $25.00 (if closed w/in first 180 days)

Checks (50) First Order Free

For special group plan fees and information, please contact First Federal.

Questions Applies to Me

I am covered by a “high deductible health plan” q

The maximum out-of-picket expenses with my health plan-including co-insurance and deductibles-is no more than $5950.00 (if individual coverage)

or $11900.00 (if family coverage)q

I am not currently enrolled in Medicare q

I am not currently enrolled in any additional health plans q

I am not claimed as a dependent on another person’s tax return q

For more information on First Federal’s Health Savings Accounts, please stop by any branch or visit our website at www.firstfederal.com or contact the customer support center at 888-529-2220.


Health & Wellness Administered by BlueChoice HealthPlan

Questions Applies to Me

I am covered by a “high deductible health plan” q

The maximum out-of-picket expenses with my health plan-including co-insurance and deductibles-is no more than $5950.00 (if individual coverage)

or $11900.00 (if family coverage)q

I am not currently enrolled in Medicare q

I am not currently enrolled in any additional health plans q

I am not claimed as a dependent on another person’s tax return q

Health Management

Making the lifestyle changes necessary to manage chronic

conditions can be difficult. Studies show that by improving

your self-management skills and by following your doctor’s

plan of care, you can help control your symptoms. Most

importantly, you can delay or even prevent many of the

complications of common health conditions by taking care

of yourself today.

Health Management is designed to help members with

diabetes, heart disease or chronic respiratory conditions live

healthier lives. Family members covered by your health plan

can also participate.

The Program

BlueCross identifies participants from health care information

we receive from medical, pharmacy and laboratory claims.

If you are identified as someone who could benefit from the

program, you are automatically enrolled.

As a participant in the Health Management program, you will

receive personalized information and tools tailored to help

you learn more about your condition and ways to improve

your health.

Participants are also assigned a personal health coach — a

health care professional who will help you learn more about

your condition and ways to manage it. You will receive your

health coach’s contact information in the mail.

Personal Health Assessment

Personal Health Assessment is an online survey that can help

you identify your personal risk factors while guiding you

toward a healthier lifestyle.

It’s Easy to Use!

1. Just go to www.SouthCarolinaBlues.com.

2. Click: My Health Toolkit.

• New member? Click Register and follow the instructions.

You will need your Member ID card.

• Already have a profile? Enter your Username and

Password and click Login.

3. After you’ve logged into My Health Toolkit, click on the

Personal Health Assessment link located on the left.

(Be sure to first select your name from the drop-down menu.)

4. A new window will appear. Click on Take Personal Health

Assessment to begin.

5. Read the Privacy Statement and agree by clicking

Continue.

6. To complete the Personal Health Assessment, answer the

questions on each page and click Continue. After

answering the last series of questions, click on the

Download/View link to view your results.

If you are not able to finish the assessment, click Save and

Exit. When you are ready to return, repeat the instructions

above to begin where you left off.

Once you have completed the survey, you’ll get your

Personal Health Assessment right away. It will include

information on areas that you need to address. You’ll get tips

for lowering risk factors and links to organizations that can

provide further support. You will be able to print your report

or refer back to it online at any time. You also will be given

a wellness score. The score will let you know if you are on

the right track to good health. The wellness score and tips

provided in your report can help you work with your doctor

or other health care professional to develop a strategy that’s

right for you!

Take the First Step

Taking the Personal Health Assessment is voluntary.

We hope you will log on and take advantage of this valuable

tool. Our goal is to help you achieve and maintain a healthier

lifestyle. Personal Health Assessment is your first step.

Personal Health Assessment does not replace the medical

care you receive from your doctor. Always check with your

doctor before following any medical advice.

cOverage tYPeIn-Network PPO Dentist

Out-of-Network Non- PPO Dentist

Calendar Year Deductible: Individual* $0 $50

Calendar Year Deductible: Family limit* 3 per family

Waived for Preventive Preventive

Type A - Preventive Services 100% 100%

Type B - Basic Services 100% 80%

Type C - Major Services 60% 50%

Annual Maximum Benefit: Per Individual $1,500 $1,500

Dependent Age LimitFamily coverage for spouse and children to age 20

(26 if full-time student)


Dental Plan Administered by Guardian

selected cOvered services and frequencY liMitatiOns

type a - Preventive services

Cleaning (prophylaxis) - Frequency: Once Every 6 Months

Fluoride Treatments - Limits: Under Age 19

Oral Exams

Sealants (per tooth)

X-rays

type B - Basic services

Anesthesia

Fillings (one surface)

Periodontal Maintenance - Frequency: Once Every 3 Months

Repair & Maintenance of Crowns, Bridges & Dentures

Simple Extractions

Surgical Extractions

type c - Major services

Bridges and Dentures

Inlays, Onlays, Veneers**

Perio Surgery

Root Canal

Scaling & Root Planing (per quadrant)

Single Crowns


Dental Plan Administered by Guardian

This is only a partial list of dental services. Your certificate of benefits will show exactly what is covered and excluded. **Crowns, Inlays, Onlays and Labial Veneers are covered only when needed because of decay or injury and only when the tooth cannot be restored with amalgam or composite filling material.


Basic Life Insurance Administered by Prudential

Basic Term Life - 100% Employer Paid

• Basic Term Life: You are automatically enrolled for 1 times your

covered annual earnings to $200,000.

• If you are terminally ill, you can get a partial payment of your

group life insurance benefit. You can use this payment as you

see fit. The payment to your beneficiary will be reduced by the

amount you receive with the Accelerated Benefit Option. Refer

to the plan booklet for details.

• Payouts to your beneficiaries are deposited into a Prudential

Alliance Account®, a personalized, interest-bearing account,

under the beneficiary’s name. The payout earns interest from the

date the account is opened and the beneficiary can transfer or

withdraw funds at any time.

• Payment of premium can be waived if you are totally disabled

for 9 months, you are less than 60 years old when the disability

begins, and you continue to be totally disabled. This waiver

terminates at age 65. This provision may vary by state.

• The amount of insurance reduces by 35% at age 65 and 50% at

age 70.

• Coverage will end on your termination of employment or as

specified in the plan booklet. You may convert your insurance

to an individual life insurance policy insured by The Prudential

Insurance Company of America.

Basic Accidental Death & Dismemberment - 100% Employer Paid

• Basic AD&D pays you and your beneficiary a benefit for the

loss of life or other injuries resulting from a covered accident

-- 100% for loss of life and a lesser percentage for other injuries.

Injuries covered may include loss of sight or speech, paralysis,

and dismemberment of hands or feet. Basic AD&D benefits are

paid regardless of other coverages you may have.

• Basic AD&D: You are automatically enrolled for an amount

equal to your Basic Term Life coverage amount.

EmployEr

paid


Optional Term Life Insurance Administered by Prudential

Employee - Optional Term Life

• Purchase coverage in increments of $25,000 to $500,000,

not to exceed 5.0 times your covered annual earnings.

• New Hires: Get up to $150,000 - no medical questions asked

- when enrolling when first eligible.

• Current Participants: During the open enrollment period, get

up to $150,000 - no medical questions asked. After the open

enrollment period, evidence of insurability satisfactory to The

Prudential Insurance Company of America is required for all

increases in coverage amounts.

• Current Employees who were denied coverage in the past

or Late Entrants: Evidence of insurability satisfactory to The

Prudential Insurance Company of America is required for all

coverage amounts.

• If you are terminally ill, you can get a partial payment of your

group life insurance benefit. You can use this payment as you

see fit. The payment to your beneficiary will be reduced by

the amount you receive with the Accelerated Benefit Option .

Refer to the plan booklet for details.

• Payouts to your beneficiaries are deposited into a Prudential

Alliance Account®, a personalized, interest-bearing account,

under the beneficiary’s name. The payout earns interest

from the date the account is opened and the beneficiary can

transfer or withdraw funds at any time.

• Payment of premium can be waived if you are totally

disabled for 9 months, you are less than 60 years old when

the disability begins, and you continue to be totally disabled.

This waiver terminates at age 65. This provision may vary by

state. Refer to the plan booklet for details.

• During annual enrollment periods, if you have not been

previously denied coverage, you may select to increase

your current coverage amount up to $40,000, up to a total

coverage amount of the plan maximum, without providing

evidence of insurability to Prudential.

• Coverage will be reduced as you age - by 35% at age 65 and

50% at age 70.

• Upon termination of employment, you may continue at a

certain level of your employee coverage, without having to

provide evidence of good health.

Spouse - Optional Dependent Term Life

• Purchase coverage for your spouse in increments of $5,000

to $250,000, not to exceed 50% of your Optional Term Life

coverage amount.

• New Hires: Get up to $25,000- no medical questions asked -

when enrolling when first eligible.

• Current Spouse Participants: During the open enrollment

period, Get up to $25,000- no medical questions asked.

After the open enrollment period, evidence of insurability

satisfactory to The Prudential Insurance Company of America

is required for all increases in coverage amounts.

• Current Employees whose spouse has been denied

coverage in the past or Late Entrants: Evidence of insurability

satisfactory to The Prudential Insurance Company of America

is required for all coverage amounts.

• Coverage will be reduced as you age - by 35% at age 65 and

50% at age 70.


certain level of your dependent coverage, without having to


Child - Optional Dependent Term Life

• Purchase coverage for your children in increments of $2,000

to $10,000, not to exceed 50% of your Optional Term Life

coverage amount. There are no health requirements for this

coverage.

• Coverage begins from 14 days, and continues to age 19, if

unmarried. If unmarried, dependent on you and a full-time

student, coverage continues to age 25.


certain level of your dependent coverage, without having to



Voluntary Long term Disability Administered by Principal

ELIGIBILITy

Eligible Members All active, full time employees

BENEFITS PAyABLE

Primary Monthly Benefit 60% of your basic monthly earnings up to $6,000.

Maximum Monthly Benefit $6,000

Minimum Monthly Benefit $100

BENEFIT quALIFICATION

Elimination Period 90 days after the onset of your disabling injury or illness

Own Occupation Period 2 years

Maximum Benefit Payment Period To Social Security Normal Retirement Age

Benefit Details

LTD helps protect the financial health of you and your family

should you ever suffer a disability that prevents you from

working for months or even years. We focus on returning

disabled employees to productive work whenever possible.

This highlights the benefits available through your employer.

Benefit Coverage

• Your monthly Long Term Disability benefit will be 60% of

your monthly pre-disability earnings, up to the maximum

of $6,000, less deductible sources of income. No medical

questions asked - if enrolling when first eligible. Deductible

sources of income may include benefits from statutory

plans, Social Security to you and your dependents, workers’

compensation, unemployment income and other income.

• The minimum monthly benefit is the greater of 10% of your

gross monthly benefit or $100.

• If you meet the definition of disability, your benefits will

begin 90 days following an accidental injury or sickness. The

benefit duration is up to your normal retirement age under the

Social Security Act. However, if you become disabled at or

after age 65 benefits are payable according to an age-based

schedule. Refer to the Booklet-Certificate for details.

• You are considered disabled when, because of injury

or sickness, you are unable to perform the material and

substantial duties of your regular occupation, you are under

the regular care of a doctor and your disability results in a

loss of income of at least 20%. After receiving benefits for 24

months, you are considered disabled when, due to the same

sickness or injury, you are unable to perform the material and

substantial duties of any gainful occupation for which you are

reasonably fitted by education, training or experience, and

disability results in a loss of income of a specified percentage

determined by your plan.

• Disabilities due to mental illness are limited to 24 months

of benefits during your lifetime. Examples of mental illness

include schizophrenia, depression, manic depressive or bipolar

illness, anxiety, somatization, substance related disorders

(including drug and alcohol abuse), and/or adjustment

disorders. Disabilities due to mental illness have a combined

limited pay period during your lifetime.

• LTD benefits will not be paid for a disability that begins

during the first 12 months of coverage and due to a pre-

existing condition. A pre-existing condition is an injury

or sickness for which you received medical treatment,

consultation, diagnostic measures, prescribed drugs

or medicines, or for which you followed treatment

recommendations during the 3 months prior to your effective

date of coverage. This provision also applies if you did not

consult a physician when an ordinarily prudent person would

have.

• During the first 12 months of part-time work while disabled,

you can receive full benefits as long as your combined income

and disability benefits do not exceed your monthly pre-

disability earnings.

• If you die while collecting disability benefits, a lump sum

payment may be paid to your eligible survivors.

• You are not covered for a disability caused by war or any

act of war, declared or undeclared, an intentionally self-

inflicted injury, active participation in a riot, and commission

of a crime for which you have been convicted. Benefits are

not payable for any period of incarceration as a result of a

conviction.


Voluntary Short term Disability Administered by Companion

Short term Disability Reference Rates

age $150 $200 $250 $300 $350 $400 $450 $500 $550 $600 $650 $700

<29 3.98 5.30 6.63 7.95 9.28 10.60 11.93 13.25 14.58 15.90 17.23 18.55

30 - 34 4.05 5.40 6.75 8.10 9.45 10.80 12.15 13.50 14.85 16.20 17.55 18.90

35 - 39 4.05 5.40 6.75 8.10 9.45 10.80 12.15 13.50 14.85 16.20 17.55 18.90

40 - 44 4.05 5.40 6.75 8.10 9.45 10.80 12.15 13.50 14.85 16.20 17.55 18.90

45 - 49 4.28 5.70 7.13 8.55 9.98 11.40 12.83 14.25 15.68 17.10 18.53 19.95

50 - 54 5.10 6.80 8.50 10.20 11.90 13.60 15.30 17.00 18.70 20.40 22.10 23.80

55 - 59 6.00 8.00 10.00 12.00 14.00 16.00 18.00 20.00 22.00 24.00 26.00 28.00

60 - 64 7.05 9.40 11.75 14.10 16.45 18.80 21.15 23.50 25.85 28.20 30.55 32.90

65 - 69 9.23 12.30 15.38 18.45 21.53 24.60 27.68 30.75 33.83 36.90 39.98 43.05

70 - 74 12.45 16.60 20.75 24.90 29.05 33.20 37.35 41.50 45.65 49.80 53.95 58.10

75+ 15.68 20.90 26.13 31.35 36.58 41.80 47.03 52.25 57.48 62.70 67.93 73.15

Overview

You expect that someday you’ll retire, and so you save for

peace of mind. But what about the peace of mind that comes

with being prepared for the unexpected? By preparing for the

unknown now, you can protect your family’s financial security

and lifestyle no matter what life throws at you. It just makes

good financial sense. Companion offers solutions that make

it easier to weather life’s challenges with various family and

individual disability insurance options.

• 15 th day Accident/15th day Sickness - Benefits

payable for 13 weeks

• Employees may select from $150 to $700 per week

• Benefit cannot exceed 60% of employee’s basic

weekly salary

• Based on 24 pay periods (Semi-Monthly)


Workplace Benefits Administered by Allstate

Be Well. Be Smart. Be Protected.

Your employer and Allstate provide you with an affordable

Benefit options. You’ll get the personalized benefits you

deserve.

Enrolling in Allstate is an easy way to make your life a little

better. You get cash benefits for the out of pocket expenses

not covered by your health plan, disability income for you bills,

wellness benefits, doctor office visit benefits and much more.

Employee Advantages

• Affordable Group Rates

• Ease of payments through payroll deduction.

• Pre-tax deduction of premiums

• Optional coverage for spouse and dependent children

• Portable benefits if you changes jobs or retire

• Flexible premium amount and coverage to meet your

changing needs

• Easy qualification – no medical exams. Guaranteed

issue during initial open enrollment

• Benefits paid directly to you

• Access to a qualified Allstate Benefits Specialist

Summary of your Allstate Benefit Options:

Eye Med Vision Plan

A Group Limited-Benefit Plan that provides benefits for

vision care, with an affordable co-pay schedule for Preferred

Providers and a co-pay schedule for Providers of your choice

that are not on the Preferred list.

Allstate Accident Plan

Accident coverage pays lump-sum benefits for on- and off-

the-job accidents, in addition to existing medical coverage.

Covers two well doctor visits a year, in addition to disability

income benefits for accident, sickness, and maternity. (See

brochure for full details)

Allstate Cancer Plan

Cancer and Specified Disease pays benefits that can be used

for non-medical related expenses that health insurance may

not cover as a result of cancer and 29 other specified diseases

Allstate Critical Illness Plan

Critical Illness coverage pays lump-sum benefits directly to

the insured at the time a covered illness is diagnosed. Also

provides an annual $100 wellness benefit for Cancer and Heart

Screenings.

Have questions?

your Allstate Benefits Specialist

Mitch Prescott

Workplace Benefits Plus

PO Box 1148, Beaufort, SC 29901

(843)522-3835 Local

(843)631-0009 Toll Free

your local Allstate Agent

Steve Peper

2128 Ashley Phosphate Rd Ste. 100

North Charleston, SC 29406

(843) 572-5511

seMi-MOnthlY cOntriButiOn

Plan EmployeeEmployee& Spouse

Employee& Children

Family

Eye Med Vision $ 3.97 $ 7.54 $ 7.94 $ 11.67

AccidentLow OptionHigh Option

$ 11.25$ 23.78

$ 14.59$ 30.46

$ 15.34$ 31.94

$ 17.19$ 35.66

Cancer $ 12.47 $ 21.27

Critical Illness Rates based on age.


401(k) Profit Sharing Administered by 401k Focus

Eligibility

You will be eligible to make Elective Deferrals when you

complete one month of service. You will be eligible for

any Safe Harbor employer contributions when you have

completed 12 consecutive months of Service without a Break

In Service.

For more information, please refer to the Summary Plan

Description and the Plan Document.

Entry Dates

January 1st, April 1st, July 1st and October 1st

Employee

For the 2011 Plan Year, you may Contribution contribute up to

$16,500 ($22,000 if Amounts you will attain age 50 during the

plan year) of your gross compensation.

The amounts you defer cannot be forfeited or taken away

from you under any circumstances.

Rollover

If you participated in another qualified retirement plan (401(k),

profit sharing and/or money purchase), 403(b) plan, or 457

plan before you were employed by us, or if you have an

Individual Retirement Account (IRA), you can roll distributions

made to you from that plan into this Plan, excluding any

after-tax contributions, provided that you have met all

legal requirements for a rollover. Please contact your plan

administrator for more information on rollover contributions.

You will always be 100% vested in any rollovers.

Employer

Each year at the discretion of the employer, a safe harbor

matching contribution of 100% of your elective deferrals up

to 3% of your compensation, and 50% of elective deferrals

between 3% and 5% of your compensation may be made.

The employer may make an additional profit sharing or

matching contribution. Additional eligibility requirements may

apply to these contributions. These contribution amounts are

subject to change upon notice from the Employer.

Vesting

You will become vested in your non-Safe Harbor employer

contribution accounts according to the following schedule:

years of Service Vesting %

1 ....................................................................................................................0%

2 ................................................................................................................ 20%

3 ................................................................................................................40%

4 ................................................................................................................60%

5 ................................................................................................................ 80%

6 .............................................................................................................. 100%

Credit for vesting will be given for Years of Service with the

company based on your original date of hire.

Beneficiary

You may change your beneficiary designation at any time by

completing a new Beneficiary Designation Form and sending

it to your company. If you are married, your spouse will be

named as your beneficiary unless, with your spouse’s consent,

you designate another on your Beneficiary Designation Form.

Designation

Contributions

Hardship The Plan allows for a distribution of your Vested

Account balance for hardship reasons, which are defined

in the Plan document as unreimbursed medical expenses;

post-secondary education for yourself, your spouse and/

or your children; the financing of a primary residence;

funeral expenses for a member of your family; substantial

rehabilitation and repair to a primary residence; and

prevention of eviction or foreclosure.

Withdrawals

Contributions

Your hardship distribution will be taxable as ordinary income

in the year you receive it. If you have not attained age 59½,

the distribution may also be assessed a 10% penalty tax.

Loans

If eligible you may borrow a minimum of $1,000 to a

maximum of 50% of your vested interest or $50,000,

whichever is less. Loans are available for the same reasons

as hardship distributions. See the Loan Policy Statement for

more information.


Pre-Paid Legal Services Administered by Pre-Paid Legal Services, Inc.

Preventive Legal Services

Phone Consultations on Any Subject Matter: You have toll-free

access to your Provider Law Firm immediately when you enroll,

for personal or business related legal matters. Just call your

provider’s toll-free number during regular business hours.

Phone Calls and Letters: A phone call or letter from your

Provider Law Firm can get you the results you want fast. Your

Provider Firm will recommend a letter or phone call when that

is the best legal step for you. One call or letter per personal

subject related matter is free with your membership. Plus, you’re

entitled to two business letters each year at no additional cost!

Additional assistance for same subject at a 25% discount.

Contract and Document Review: You can have an unlimited

number of personal legal documents–up to ten pages each–

reviewed by your Provider Law Firm. Included each year is one

business document review at no additional cost! Your Provider

Firm will analyze the documents and suggest changes for your

benefit before you sign!

Will Preparation: A Will for you at no additional charge–not just

a “simple” Will, but one that meets most Americans’ needs–with

yearly reviews and updates. Wills for covered family members

just $20 each; changes and updates $20. Trust preparation is

available at a 25% discount.

Motor Vehicle Legal Expense

(For all covered family members who are licensed drivers)

Minor Legal Expenses: Your Provider Law Firm will assist you

or your covered family members with moving traffic violations

at no additional cost to you. Now you can have help with traffic

tickets and not have to worry about the cost of representation.

Major Legal Expenses: Your Provider Law Firm will defend you

or your covered family members when you are charged with

Manslaughter, Involuntary Manslaughter, Negligent Homicide,

or Vehicular Homicide at no added cost to you. And up to 2.5

hours for help with . . .Damage recovery service, Driver’s license

assistance, Personal injury legal expenses

Trial Defense Services

(For employee & spouse or significant other)

During your first membership year, you have up to 60 hours

of your Provider Law Firm’s time when you or your spouse

is named defendant or respondent in a covered civil or

criminal action filed in court. The criminal action must arise

out of the performance of the covered person’s employment

responsibilities. Your Provider Firm can advise you of the

documents required to determine coverage under this benefit.

Of these 60 hours, up to 2.5 hours may be used for all legal

services rendered in defense of the covered suit prior to actual

trial. Up to 57.5 of the remaining hours are available for actual

trial time, including covered criminal preliminary hearings.

YOUR HOURS OF SERVICE INCREASE . . . WHEN YOU RENEW

YOUR MEMBERSHIP

2nd year renewal: 3 hours of pre-trial time - plus 117 hours of trial

time at no added cost.

3rd year renewal: 3.5 hours of pre-trial time - plus 176.5 hours of

trial time at no added cost.

4th year renewal: 4 hours of pre-trial time - plus 236 hours of


5th year renewal: 4.5 hours of pre-trial time - plus 295.5 hours of


IRS Audit Legal Services

Your Pre-Paid Legal membership will help you defray the costs

of an IRS audit and give you the legal support you need.

up to 50 Hours of Attorney Time

Receive up to 50 hours of your Provider Law Firm’s time if you

receive written notice of an IRS audit or are requested to appear

at IRS offices regarding your tax return.

Your 50 hours are available as follows:

• Up to 1 hour for consultation, advice, and assistance when you

receive written notice from the IRS of an audit or appearance.

• If there is no settlement within 30 days, you have up to

2.5 hours for audit representation, negotiations, phone

conversations, and settlement conferences prior to litigation.

• If there is no settlement without litigation, up to 46.5 hours are

available for actual trial appearance if the IRS sues you, or if

you pay the disputed tax and sue the IRS.

Does not cover corporate or business tax returns. Coverage for

this service begins with the tax return due April 15 of the year

you enroll.

Other Legal Services

Should you need legal services not covered by this plan, your

Provider Law Firm will render assistance at a 25% reduction to

their standard hourly rate* for you or any covered dependent.

Please note that a retainer may be required for services to be

rendered under this benefit. Your Provider Law Firm must have

five days notice prior to court representation. Telephone advice

is available immediately.

Who’s included in the plan:

• You as the primary member

• Your spouse or significant other listed on the membership

• Never-married, dependent children up to age 21 who live at

home

• Never-married, dependent children who are full-time college

students and any dependent child, regardless of age, who is

mentally or physically disabled and dependent upon you for

support


Identity Theft Protection Administered by Pre-Paid Legal Services, Inc.

Credit Report: Evaluate your current credit standing with:

• An up-to-date credit report through Experian at no added cost

• A personal credit score calculated by an independent scoring

service

• A detailed analysis of your personal credit score

Experts recommend that you review your credit report regularly.

The Identity Theft Shield makes it easy.

Continuous Credit Monitoring: Suspicious activity will be

brought to your attention, providing you with early detection.

You’ll receive prompt notice if the credit repository (Experian) is

notified that:

• New accounts have been opened in your name

• Derogatory notations have been added to your credit report

• Public records have been added to your report

• Inquiries have been made against your report

• A change of address has been requested

After you enroll, we’ll mail your membership materials to you.

This benefit is available to you after you complete a “Consumer

Report and Monitoring Authorization Form” provided in your

membership materials or you may call 1-800-654-7757 after

your membership is processed by Pre-Paid Legal.

Identity Restoration: Coverage begins as of your membership

effective date. Identity theft can be devastating, and the process

of restoring your name can be overwhelming and costly. You

need more than “do it yourself” information if it happens to you.

With the Identity Theft Shield a trained expert will take the steps

to restore your name and credit for you!

• Our Licensed Investigators will work on your behalf to help

correct identity theft issues you have with affected agencies

and institutions, including: Credit card companies, Financial

Institutions, All three credit repositories, Federal Trade

Commission, Social Security Administration, Department of

Motor Vehicles, U.S. Postal Service, Law enforcement

personnel… and other organizations that may be affected.

• Fraud alert notifications will be sent on your behalf to all

three credit repositories, Social Security administration,

Federal Trade Commission, U.S. Postal Service and affected

credit card companies and financial institutions.

• Proactive searches of applicable local and national databases

will be made on your behalf to look for information you may

not be aware, including: criminal activity in your name in your

county’s records and certain federal watch lists, Department

of Motor Vehicle records in your state, unknown addresses

affiliated with your name, and banking activity in your name

reported as fraudulent

Identity Theft Safeguard

Valuable identity theft services for your dependent children.

Safeguard

• A Credit education for minors

• Best practices for the use of your child’s social security number

and personal identifying information (PII) from cradle to college

• Best practices for privacy

• Best practices for children who are online

• How to protect your child from identity abuse by a family

member

• How to establish your child’s identity credentials in the event

of actual identity theft

Detection

• Monitoring for the existence of a credit file.

• Notification when a credit file is found to exist.

Consultation

You have access to valuable consultation assistance from a

licensed private investigator who can address issues including:

• Verification if a credit file exists with the three national credit

repositories

• Placing a fraud alert with the three national credit repositories

• Researching the child’s Social Security number for fraudulent

activity

If a consumer file is in existence, they can also address issues

that include:

• Fraud alerts for credit files.

• Opt outs for marketing activity

• What to do if your minor child is claimed as a dependent on

someone else’s taxes.

Identity Restoration

Identity theft can be devastating, and it can take a great deal

of time and expense to restore. Safeguard brings the trained

experts on your side. They will take the steps necessary to

restore your child’s credit.

Restoration services include:

• Assistance in obtaining a police report

• Provide credit reports* if they have been created

• Dispute all fraudulent accounts with creditors, collectors,

credit repositories, utility companies, check clearinghouse

agencies, banks, and others as the situation warrants

• Place fraud alerts with all three credit reporting agencies*,

Federal Trade Commission, United States Postal Service and

the Social Security Administration

• Place a 7-year fraud victim statement with the credit reporting

agencies or place a Credit Bureau Minor Fraud alert


Pre-Paid Legal Services Administered by Pre-Paid Legal Services, Inc.

Legal Shield

Do you know your rights?

• What would you do if you were detained by a law enforcement

officer?

• What would you do if you’re injured in an accident?

• What if the authorities attempted to remove your child from

your home or custody?

• What if an officer arrived at your door with a warrant?

Finally, there is one answer to all of those questions! As a Legal

Shield member, present your Legal Shield membership card to

the officer. By showing the card, you make it clear you want to

call your lawyer immediately. If you are injured in an accident

or confronted with the state taking your child, or served with a

warrant, you’ll be able to contact a lawyer immediately. To use

your Legal Shield, simply call the 24-hour, toll-free Legal Shield

number. A Pre-Paid Legal Services, Inc. representative will then

connect you to your Provider Law Firm. It’s that simple.

Additional Information

Phone consultation: Unlimited phone consultation is available

to the extent the Provider Law Firm deems it necessary to

adequately advise you on your legal matter. One (1) hour of legal

research per subject matter will be completed by the Provider

Law Firm if your legal matter cannot be adequately addressed

during your telephone consultation.

letters and Phone calls: A letter or phone call per subject

matter is available if advisable in your Provider Law Firm’s sole

discretion.

Will Preparation: Trust preparation is available at the preferred

member rate. A standard Will with yearly updates provided

for the primary member at no additional cost. Covered family

members can also have their Will prepared for $20 each, with

yearly updates for only $20.

Motor vehicle legal services: These services are available

15 days after enrollment. Representation under this benefit

is provided when the member has a valid driver’s license

and is driving a properly licensed motor vehicle. Pre-existing

conditions, charges of DUI/DWI related matters, drug-related

matters, hit-and-run related charges, leaving the scene of an

accident, and unmeritorious cases are excluded. Commercial

vehicles with more than two axles are not covered. Driver’s

license and personal injury/property damage recovery

assistance is limited to two and one-half (2-1/2) hours of lawyer

time per claim, does not include the filing of a lawsuit, and

excludes personal injury and property claims exceeding $2,000.

trial defense services: Matters not covered under Plan benefits

and which you may use your preferred member rate for

services are: • Dependents (covers member and spouse only).

• Bankruptcy, divorce, separation, annulment, child custody or

other divorce or domestic-related matters. • Charges of DUI/

DWI, drug-related matters (whether prescribed or not), hit-

and-run, leaving the scene of an accident, and civil or criminal

charges occurring as a result of operating a commercial vehicle

with more than two axles. • Plan benefits apply only to charges

of job-related criminal actions. Benefits do not cover instances in

which you are named in a civil lawsuit or have criminal charges

filed against you because you are listed as an owner, manager

or associate of the business and you had no direct involvement

with the act or matter that gave rise to the lawsuit or criminal

charge. • Lawsuits filed because of something that occurred

prior to your enrollment or because of conditions that were

reasonably anticipated or foreseeable prior to your enrollment

(even if the lawsuit is filed after you become a member). •

Class actions, interventions or amicus curiae filings in which the

covered member is a party (or potential party). • Garnishment,

attachment or any other appeal. • Claims, defenses, or legal

positions which your Provider Law Firm determines will not

prevail in court or are frivolous or without merit.

irs audit legal services: Coverage includes the return due

on April 15th of the first membership year. Does not cover

garnishment, attachment or any other appeal, class actions,

interventions or amicus curiae filings, charges of tax fraud or

income tax evasions, Trust returns, business and/or corporate

tax returns, payroll and information returns, partnerships,

corporation returns or portions thereof that are included in the

member’s tax returns, pre-existing conditions—where member

has been notified by the IRS prior to enrollment, and services

rendered by an enrolled agent.

Preferred Member rate: If you need representation in court, you

must notify your Provider Law Firm at least five business days

in advance so they may prepare for your case. Hourly rates for

referral lawyers and court appearances may vary.

general Provisions: You may use your preferred member

discount and phone consultation benefit for any Plan exclusions.

Fines, court costs, penalties, expert witness fees, bonds, bail

bonds, and any out-of-pocket expenses are your responsibility

and are not part of your membership fees and/or benefits. A

retainer fee may be required prior to services being rendered for

services not otherwise covered by your membership benefits.

legal shield: The Legal Shield service will not apply if the

member is alleged to be under the influence of or impaired

by alcohol, intoxicants, controlled substances, chemicals or

medicines, whether prescribed or not; the member is alleged

to be involved with domestic violence or stalking; the member

is being detained for outstanding warrants; the member needs

assistance in making, posting, or obtaining bond, bail or other

security required for release.


EAP

Medicare NoticePrior to November 15, 2007, all employers who offer a medical plan that provides pharmacy coverage are required to send a notice to all plan participants who are eligible for Medicare. Because we do not track which of our employees are eligible for Medicare, we are meeting this obligation by providing this notice to all employees who are eligible for our benefits program. This notice does not apply to you if you or your dependents are not Medicare eligible. If you or a covered dependent are Medicare eligible or will become Medicare eligible in 2011 or 2012, this notice is important to you and contains important, time sensitive information. Please read it carefully and act accordingly to protect your interests.

Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with PPCP, and prescription drug coverage available for people with Medicare. It also tells you where to find more information to help you make decisions about your prescription drug coverage.

• Medicare prescription drug coverage became available in 2006 to everyone with Medicare through Medicare prescription drug plans and Medicare Advantage Plans that offer prescription drug coverage. All Medicare prescription drug plans provide at least a standard of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

• PPCP has determined that the prescription drug benefit offered through the PPCP medical plan is, on average for all plan participants, expected to pay as much as the standard Medicare prescription drug coverage and is considered creditable coverage.

Individuals can enroll in a Medicare prescription drug plan when they first become eligible for Medicare and each year from November 15th through December 31st. However, because you

have existing prescription drug coverage that, on average, is as good as Medicare coverage, you can choose to join a Medicare prescription drug plan later. Each year after that, you will have the opportunity to enroll in a Medicare prescription drug plan between November 15th through December 31st. If you do decide to enroll in a Medicare prescription drug plan and want to drop your PPCP prescription drug coverage you will have to drop all of your healthcare coverage with PPCP since prescription drug coverage is a part of your PPCP healthcare plan. Please be aware that you may not be able to get this coverage back should you decide to drop it.

You should compare your current coverage, including which drugs are covered, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. Your current coverage pays for other health expenses in addition to prescription drugs. You will be eligible to receive all of your current health and prescription drug benefits even if you choose to enroll in a Medicare prescription drug plan.

You should also know that if you drop or lose your coverage with PPCP and don’t enroll in Medicare prescription drug coverage after your current coverage ends, you may pay more to enroll in Medicare prescription drug coverage later. If you go 63 days or longer without prescription drug coverage that’s at least as good as Medicare’s prescription drug coverage, your monthly premium will go up at least 1% per month for every month that you did not have that coverage. For example, if you go nineteen months without coverage, your premium will always be at least 19% higher than what most other people pay. You’ll have to pay this higher premium as long as you have Medicare coverage. In addition, you may have to wait until the following November to enroll.

For more information about this notice or your current prescription drug coverage, contact our

office for further information. NOTE: You may receive this notice at other times in the future such as before the next period you can enroll in Medicare prescription drug coverage, and if this coverage changes. You also may request a copy at any time.

More detailed information about Medicare plans that offer prescription drug coverage is available in the ’Medicare & You’ handbook. You will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. You can also get more information about Medicare prescription drug plans from these places:

• Visit www.medicare.gov.

• Call your State Health Insurance Assistance Program (see your copy of the Medicare & You handbook for their telephone number) for personalized help.

• Call 1–800–MEDICARE (1–800–633–4227).

TTY users should call 1–877–486–2048

For people with limited income and resources, extra help paying for a Medicare prescription drug plan is available. Information about this extra help is available from the Social Security Administration (SSA). For more information about this extra help, visit SSA online at www.ssa.gov, or call them at

1–800–772–1213 (TTY1–800–325–0778).

Remember: Keep this notice. If you enroll in one of the Medicare approved plans offering prescription drug coverage, you may need to provide a copy of this notice when applying for the coverage to show that you are not required to pay a higher premium amount.

First Sun counselors are available to assist you and all

family members who are eligible for company health care

benefit issues, addiction, family issues, or life transition

issues, assistance is just a phone call away. In addition to

these services, each eligible person may also use up to

three (3) of the following life management services.

• Telephonic Legal Consultation

• Family Financial Counseling

• Adult care Consultation

• Childcare Services

• School Assistance

• College Assistance

• Adoption Assistance

First Sun EAP offers web-based information, articles,

self-assessments, and streaming videos that focus on

a wide range of behavioral health topics. Information

about financial planning and financial calculators are

also available online. Use your company name as your

password and login name to access the website. These

services are confidential to the fullest extent of the law.

Please call: 1-800-968-8143 If you have any questions or need additional materials.

Benefits In-Network

individual & family counselingVisits 1-5

$0

individual & family counselingVisits 6-10

$25 per visit

life Management services5 Visits

$0

Administered by First Sun EAP

CHIP Notice

Dependent Children Coverage Notice

Lifetime Limit Change Notice


1/1/2011

Individuals whose coverage ended, or who were denied coverage (or were not eligible for coverage), because the availability of dependent coverage of children ended before attainment of age 26 are eligible to enroll in the Porter Gaud health plan. Individuals may request enrollment for such children during open enrollment November 1-30. Enrollment will be effective January 1, 2011. For more information contact the Benefits Hotline at 1-877-335-3067.

Your adult children can join or remain on your plan whether or not they are:

• Married; • Living with you; • In school; • Financially dependent on you; • Eligible to enroll in their employer’s plan, with one temporary exception: Until 2014 “grandfathered” group plans do not have to offer dependent coverage up to age 26 if a young adult is eligible for group coverage outside their parents’ plan.

The lifetime limit on the dollar value of benefits under Palmetto Primary Care Physicians’ health plan no longer applies. Individuals whose coverage ended by reason of reaching a lifetime limit under the plan are eligible to enroll in the plan. For more information contact Blue Water Benefits at 1-877-335-3067.

If you are eligible for health coverage from your employer, but are unable to afford the premiums, some States have premium assistance programs that can help pay for coverage. These States use funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored health coverage, but need assistance in paying their health premiums.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, you can contact your State Medicaid or CHIP office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, you can contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, you can ask the State if it has a program that might help you pay the premiums for an employer-sponsored plan.

Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP, your employer’s health plan is required to permit you and your dependents to enroll in the plan – as long as you and your dependents are eligible, but not already enrolled in the employer’s plan. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance.

You should contact the State of South Carolina for further information on eligibility:

SOUTH CAROLINA – Medicaid Website: http://www.scdhhs.gov Phone: 1-888-549-0820

For more information on special enrollment rights, you can contact either:

U.S. Department of Labor U.S. Employee Benefits Security Administration www.dol.gov/ebsa 1-866-444-EBSA (3272)

Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Ext. 61565

Medicaid and the Children’s Health Insurance Program (CHIP) Offer Free Or Low-Cost Health Coverage To Children And Families


Medical Plan

BlueChoice HealthPlan

1-800-868-2528

www.bluechoicesc.com

Group#: 2069263

Health Savings Account

First Federal

1-888-529-2220

www.firstfederal.com

Dental Plan

Guardian

1-(800) 529-3268

www.guardiananytime.com

Group#: 65001211

Basic Life Insurance

Prudential

1-800-524-0542

www.prudential.com

Optional Life Insurance

Prudential

1-800-524-0542

www.prudential.com

Pre-Paid Legal Services

Pre-Paid Legal Services, Inc.

1-(800) 529-3268

EAP

First Sun EAP

1-803-376-2668

1-800-968-8143

www.firstsuneap.com

Voluntary Short Term Disability

Companion

1-800-753-0404

www.companionlife.com

Voluntary Long Term Disability

Principal

1-800-986-3343

www.principal.com

401(k) Plan

American Pensions

843-849-3050

www.401kfocus.com

Allstate

Workplace Benefits Plus

866-631-0009

Benefit Contacts

Documents

2011 PPCP Employee Benefit Guide