COMPASS OUTREACH COMPASS OUTREACH

SERVICE. STABIL I TY . SECURITY.

COMPASS OUTREACH

SERVICE. STABIL I TY . SECURITY.

SUMMER 2013

INSIDE THIS ISSUE:Buzz Worthy News ........ 2-7

Health Tips .................... 8-9

Ask the Expert .......... 10-11

Summer Spotlight ........... 12

Member Corner ........... 13

Specialty Products ... 14-15

Coffee fanatic? Turn to Page 14 for a

chance to win a $50

Starbucks Gift Card,

and visit our Web site

to try out our Coffee

Calculator!!

In many ways we are defined by our age or our generation – we are teenagers, Gen Y’s, Baby Boomers, and retirees – but beyond the age differences, there are similarities we often times overlook. We are all guilty of assuming at some point or another, “It could never happen to me.” The American Bar Association found however, that 70 percent of Americans – working, unemployed, retired, disabled, and minors – face at least one significant legal event every year. Whether it’s leasing an apartment, driving a car, or an unexpected death, everyone carries uncertainties through all stages of life. So, why wait to seek legal advice until after the unexpected has happen to you? Sign up for affordable legal protection today!

When the term lawyer or legal services comes to mind, many consider the option too expensive. According to the Legal Needs Study, 93% of the 1,000 surveyed said lawyers charge too much for their services. While the national average hourly cost for an attorney is $200-400, legal protection can be yours for less than $16 a month. By eliminating the financial worry – regardless of age – you can utilize legal services when you want to, not just when you have to.

The need for legal protection is limitless; however, many people shy away from coverage because their daily routines never feel risky. People unknowingly take risks every day—it’s almost impossible not to—but when you’re face-to-face with one of those “what if” moments, LegalShield can protect you.

Turn to page 15 for more details.

SOURCES: http://www.legalshield.com/blog/legal-needs http://www.legalshield.com/legal-needs-study http://blog.motorists.org/traffic-tickets-are-big-business/

Fate deals the cards. But you play the hand.

For just $16 a month, Compass Rose Legal Protection is a safe bet!

CALL FOR

BOARD OF ELEC TIONS

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2014 Board of Directors ElectionCompass Rose Benefits Group (CRBG) is actively seeking eligible candidates for its 2014 Board of Directors. Candidates must be actively enrolled in at least one CRBG plan, but eligibility extends to all civilian and retirees of the Intelligence Community, Department of Defense and the Department of State.

The Board is made up of four retirees and three active employees that are elected by their peers, and an Industry Expert. The Board meets approximately six times a year in Reston, VA, and plays a crucial role in ensuring that all CRBG products and services meet membership needs. All Board positions are voluntary and non-paid.

This year’s Board of Directors Election will be in October. There is one active and one retiree position open to all eligible candidates. Those elected will serve a three-year term beginning January 2014.

Interested parties should submit a brief personal biography of no more than 550 words, including a statement of interest no later than August 31st. Completed applications should be sent to boardelections@compassrosebenefits.com or mailed to:

Compass Rose Benefits Group 1768 Business Center Drive Suite 3500 Reston, VA 20190ATTN: Board Elections

BUZZ WORTHY NEWS

New Weight-Loss Pilot Program In the WorksBecause Compass Rose Health Plan cares about your health, we recently launched a pilot program that helps members manage their weight and live a healthier, more active lifestyle. This online, year-long program is called Virtual Lifestyle Management (VLM) and is based on the landmark Diabetes Prevention Program developed at the University of Pittsburgh.

A select group of Compass Rose Health Plan participants access their personal site and complete 16 weekly lessons, followed by 8 monthly lessons. These lessons help members learn to manage their food intake and find fun, easy ways to increase their activity. The VLM application helps track food and fat calories, and weight and activity changes over time, allowing them to monitor their progress toward meeting their personal goals. In addition, the participants are assigned a specially trained coach who monitors their progress and is available to answer questions, help solve problems and provide encouragement via secured email.

Response to the pilot program has been tremendous, and we quickly filled our allotted 150 spots. We will monitor the overall program results and hope to consider expanding the program early next year.

COMPASS OUTREACH

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Go Green with E-Compass!At Compass Rose, we don’t just care about your health and well-being; we care about the environment, too! We encourage you to have the Compass Connection Newsletter delivered directly to your inbox! Sign up today at www.compassrosebenefits.com/ECompass.

For those of you who already receive our online newsletter, check out our new look at www.compassrosebenefits.com/newsletter.

PLEASE NOTE: If you sign up to receive the Compass Connection Newsletter electronically, you will no longer receive a hard copy in the mail. However, you can opt in or out at any time.

Online InteractionWhile you’re online registering for the electronic newsletter, don’t forget to check us out on Facebook and Twitter! This gives us another way to connect and interact with you!

Our increased online presence better enables us to:

• Answer your questions in real time! Whenever you have a general question about CRBG’s plans, you can post to our Facebook or Twitter accounts and a Member Services Representative will get back to you promptly.

• Keep you up-to-date, even if you’re not at home to read your mail.

• Learn more about our outreach events!

• Connect with other members!

So be sure to follow us on Facebook and Twitter!

Facebook.com/CRBGinsurance

Twitter.com/CRBGinsurance

We always love hearing from you!

If you have any questions, comments, concerns or suggestions to improve the newsletter, please let us know. To provide feedback regarding our newsletter, visit us anytime at www.compassrosebenefits.com/Feedback

BUZZ WORTHY NEWS

Almost everyone has taken a prescription medication at some point in their lifetime; however, did you know exactly how much money, time and energy is spent every day researching new medications?

Here are some facts about just how much goes into getting that medication from a formula on a chalkboard to the orange plastic bottle in your medicine cabinet:

5,400 drugs are currently in clinical trials$400 billion is wasted in pharmacy spending every year

Healthcare fraud costs $72 billion in waste annuallyDiabetes is the number one expenditure of drug research

80 million people and counting have been diagnosed with diabetes. 221 drugs are in development for diabetes

An average physician will prescribe 97% non-narcotics and 3% narcotics – anything above these causes suspicion.

Pain medication is the most abused narcoticSource: 2013 ESI annual conference

If you have any questions about your overseas claims, you can now reach us at two numbers. Our toll-free number is (877) 531-1159 or you can call our local number, (410) 349-2729.

Completed overseas claims forms should be submitted to:

Compass Rose Health Plan P.O. Box 141501 Nashville, TN 37214

Three commonly prescribed medications — Lipitor, Plavix and Singulair — are available in generic form!

The generic formula of Lipitor is atorvastatinThe generic formula for Plavix is clopidogrelThe generic formula for Singulair is montelukastPLEASE NOTE: The Food and Drug Administration (FDA) requires generics to contain the same active ingredients with the same safety, strength, performance, quality and dosage as brand counterparts.

To review our Formulary Guide, please visit www.compassrosebenefits.com/Formulary. Though not all-inclusive, it contains the most commonly prescribed drugs covered under your ESI Pharmacy Benefit.

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BUZZ WORTHY NEWS

Overseas Claims Forms

Pay Less for Your Prescription!

Did You Know…

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BUZZ WORTHY NEWS

NEW Mobile App Helps You Take Control of Your Life!Many of us depend on smartphone apps to make our lives easier, more organized and provide us with real-time information. Did you know that there is now an app to manage your home delivery

service from the convenience of your smartphone?

Express Rx allows you to create a secure account on your smartphone so that you can better manage your prescriptions with these helpful features:

• Register your account

• Order refills

• Check order status

• Find drug information

• Start home delivery

• Locate a retail pharmacy

• Set up reminders

The Express Rx mobile app gives you access to your prescription information anytime, anywhere. A recent comment from an iPhone user stated, “Great app to order refills and even set reminders for meds. Would highly recommend to all Express Scripts members.”

Smartphone users can download the app for free by going to www.express-scripts.com/mobile, searching for “Express Rx” in your app store, or scanning the QR code to the left. To learn more, visit www.express-scripts.com/pharmacy.

Ch-ch-ch-ch-changes!All home-delivered prescriptions — whether ESI or Medco — are now handled by Express Scripts.

You might notice some changes to your prescription bottle and the packaging in which it arrives. While Express Scripts Pharmacy uses orange bottles, Medco used white bottles. There might also be a different font and layout than you’re used to on the label. Some medications might even come in manufacturers’ bottles rather than the prescription bottle. But don’t worry! There are no changes to your medications, and they are still being filled and shipped as safely and accurately as always.

Everything else will remain the same! You should continue to send and refill your orders through Express Scripts Home Delivery, and please continue to use the same Web site — express-scripts.com/pharmacy.

For those members who do not require child-resistant caps on your prescription bottles, you can request easy-open, reusable caps by calling (877) 438-4449.

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An old Irish proverb says, “A good laugh and a long sleep are the best cures in the doctor’s book.”

We don’t have any good jokes at the moment, so we’ll just focus on helping you get a better night’s rest. Studies have shown that better sleep can help improve your memory, ease inflammation, lower stress and even lose weight. So here are some tips for better sleep and a better lifestyle.

1. Relax: Whether physical or mental, stress is the enemy of sleep and can leave you lying awake at night for hours. Before bed, put your mind – and body – at ease. Meditation, breathing exercises or just sitting down and taking a deep breath can help you relax before bed.

2. The bed is for sleep, the couch is for reading and TV: Many of us read in bed before turning out the light, but over time this can lead to your brain associating the bed more with other activities and less with sleep. If you’ve got pre-sleep activities, try to keep them to other rooms so that your mind only associates the bed with counting sheep.

3. Counting sheep: Speaking of counting sheep, try … counting sheep. When you lie awake thinking about how much you want to sleep, that actually prevents you from sleeping. By shifting your mind to something else, you can relax (see number 1) and drift off to sleep.

4. Cut the caffeine: Many of us need caffeine in the morning to wake up and keep us going all day. Nothing wrong with that, but keep the caffeine kick to the morning ONLY. If a cup of coffee at 8:30 a.m. can keep you going until 3 p.m., then how long do you think that can of soda at 7 p.m. is going to last you? Try to avoid caffeine after 2 p.m. to promote a good night’s rest.

5. Cut out the butts: Aside from the other health factors associated with cigarettes, smoking can also be keeping you awake. We know that nicotine is the key ingredient in cigarettes – it’s also a stimulant. Avoid cigarettes for one to two hours before bed. If you want to quit altogether, check out CRBG’s Smoking Cessation Benefit Program on page 8.

• Online: Submit a Change of Address Form at www.compassrosebenefits.com/address. • Phone: Contact our Administrative office at (866) 368-7227.

Reminder: Even if you’ve changed your address with your parent Agency or with the Office of Personnel Management (OPM), CRBG is NOT notified.

Moved Recently? If you have recently changed your address, let us know!

BUZZ WORTHY NEWS

Better Sleep for a Better You!

COMPASS OUTREACH

Nine Tips for Healthier Fast Food MealsEvery day, one in four Americans eats fast food. According to the U.S. Census Bureau, that means that more than 78 million Americans consume some type of fast food daily. No wonder the U.S. is referred to as “fast food nation!”

Fast food restaurants thrive in the U.S. because they are convenient and affordable. If you are eating out, a fast food restaurant is often the cheapest option, but not usually the healthiest one. Just one fast food meal packs enough calories, sodium, and fat for a whole day! Here are some tips for healthy eating at fast food restaurants:

•Makecarefulmenuselections. Pay attention to the descriptions on the menu. Instead of ordering meals labeled deep-fried, breaded, creamy or crisp, order meals offering leaner meats and more vegetables.

•Drinkwaterwithyourmeal. Ditch the high calorie soda for tea or water. To add a little flavor to your tea or water, try adding a lemon.

•“Undress”yourfood. Control how many additional calories you add to your meal by ordering the condiments “on the side.” Many salad dressings, spreads, and cheeses contain more calories and fat than you might think!

•Don’tbeafraidtospecialorder. Know that you can always change how your food is prepared on the menu. If the menu specifies that your food is fried, don’t feel bad asking for it to be broiled or steamed instead.

•Watchyoursalt. Most fast food already contains a lot of sodium. Don’t add insult to injury by adding more salt.

•Avoidbuffets... Yes, even seemingly healthy ones like salad bars. There is already an obesity epidemic in the U.S. – think before you overeat to justify getting your money’s worth.

•Rememberthebigpicture. Moderation is always the key. If you know you are going out to eat later that day, choose smaller portions throughout the day. Planning ahead can help you relax and enjoy your dining out experience while maintaining good nutrition and diet control.

So, next time you visit your favorite fast food restaurant, try and remember some of these helpful tips! You can also locate healthy fast food options by visiting www.HealthyDiningFinder.com.

SOURCES: Healthy Dining Finder, http://www.healthydiningfinder.com HelpGuide, http://www.helpguide.org U.S. Census Bureau, http://www.census.gov U.S. Department of Labor, http://www.bls.gov

BUZZ WORTHY NEWS

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EVERY DAY,

Americans Eats Fast Food!

1 in 4

Are You Fit for Duty?

There are many reasons to get more active: Fitting into your old jeans, keeping up with the kids, and simply having a healthy heart. BUT, did you know that exercise can also help you be more effective?

At work, at home, and at play, people who exercise regularly get more done more easily. Research shows:

• Adults with higher levels of cardiovascular fitness find their jobs less taxing.

• Regular exercisers take half as many sick days.

• People who practice yoga report lower stress, less back pain, and increased attentiveness.

• Exercise keeps the mind sharp. Those who get more activity do better at multitasking, planning, remembering, and concentrating – even as they get older!

GLOBALFIT PROMOTION: During the month of July, you can start a 48-week gym membership for a $4.99 activation fee. That delivers savings of up to $44.00 when you use code DFG0713. Offer is valid only for new GlobalFit enrollments completed between July 1-31, 2013. To find a gym near you, visit www.globalfit.com/dfg or call (800) 294-1500.

Ready to Quit?The American Cancer Society estimates that 46 million American adults smoke, and that half of them will die early. If you or anyone in your family older than 18 is ready to quit, then we have you covered!

Compass Rose Health Plan has partnered with Healthways to deliver QuitNet’s Smoking Cessation Benefit Program. It offers a variety of support options including personal coaching, online tools, a printed quitting guide, medications (see note below) and e-mails with tips on how to drop the habit. It’s confidential, voluntary and completely free!

So, why wait any longer? For more information about the program, speak with one of our Smoking Cessation Representatives at (888) 288-4489 or visit www.compassrosebenefits.com/QuitSmoking.

PLEASE NOTE: To obtain smoking cessation prescription medicines, including over-the-counter, you MUST have a prescription from your doctor.

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HEALTH TIPS

This is the most active time of year for

TICKS & MOSQUITOES AND THE diseases THEY CARRY.

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HEALTH TIPS

Avoiding Lyme Disease and West Nile VirusWith summer here, you’re bound to spend more time enjoying the great outdoors — but so is someone else. This is the most active time of the year for ticks and mosquitoes and the diseases that they can often carry. Two diseases are of particular concern at this time of year: Lyme disease and West Nile virus.

SOURCES: http://www.wbur.org/2012/06/28/lyme-prevalence http://www.cdc.gov/lyme/ http://www.cdc.gov/westnile

WestNilevirus: After several years of declining incidence, West Nile is on the rise again with almost 6,000 cases last year. Unlike Lyme disease, West Nile virus is found nationwide.

PREVENTION: West Nile virus is almost exclusively transmitted by mosquito bites, so like Lyme Disease, the easiest prevention method is to use insect repellant. Also remember to regularly empty any buckets, gutters and birdbaths with standing water where mosquitoes tend to breed.

SYMPTOMS: The good news is that 80% of those infected with the disease will not develop any symptoms. About 19% will develop a fever with flu-like symptoms such as headache, body aches, joint pains, vomiting, diarrhea, or rash, despite occurring in summer when flu is uncommon. The remaining 1% often suffer from neurological conditions including encephalitis and meningitis. People older than 60 are at the greatest risk for these symptoms, along with those suffering from cancer, diabetes, hypertension, kidney disease, and people who have received organ transplants.

LymeDisease:With about 16,000 infections every year, many believe that infection is unlikely, but public health officials say that is a mistake. The disease is primarily found in the northeast and upper Midwest. It is unlikely, but still possible to acquire it in the Southeast, lower Midwest and Pacific Coast of the United States.

PREVENTION: This is the easy part. Lyme Disease is only transmitted by bites from infected ticks, so the easiest way to prevent acquiring the disease is to prevent being bitten. Avoid high grass, leaf litter or wooded areas where ticks are most likely to be found.

If you cannot avoid that, wear long sleeves or pants or, if it is too hot to wear long clothes, apply insect repellant to any exposed skin. To maximize protection, use a repellent that contains at least 20% DEET.

Check yourself and your pets for ticks when you come indoors. Be sure to check under your arms, behind your knees, in and around your ears, in your belly button, and most importantly, in your hair. Also shower to expose any ticks, and help remove them. If you do find a tick already biting you, use a pair of tweezers to grab the tick as close to its mouth as possible. Steadily pull, but don’t twist, the tweezers up to remove it from your body. Clean the bite area with rubbing alcohol or soap and hot water.

SYMPTOMS: If you have to remove a tick, be on the lookout for symptoms of infection. The most common symptom is a red rash similar to a bull’s-eye. However, other symptoms include severe headaches and neck stiffness due to meningitis (inflammation of the spinal cord), and pain and swelling in the major joints, such as your shoulders, knees or elbows. If you have any of these symptoms, call your doctor promptly to get tested for Lyme.

A Pharmacist’s Perspective: What Every Man Should Know About Osteoporosis

How many people do you know that have been hospitalized after falling and breaking a bone? Unfortunately, most of us can name at least a few relatives or friends that have been in this situation.

Often, these broken bones are a result of low bone-density – also known as osteoporosis. At some point in their lives, about half of all women and a fourth of men older than 50 will break a bone because of osteoporosis, and while men have a lower overall risk, there are some important things men should know about preventing osteoporosis.

Good news/bad news: First, the good news. Since men tend to have larger bones to start with, this can delay or altogether prevent bone loss to the point of breakage. The bad news is that the risk is still far from zero. In fact, men over 50 are more likely to break a bone due to osteoporosis than to develop prostate cancer. Also, bone fractures in men tend to occur later in life than in women, making them more difficult to treat and less likely to fully recover.

Risk: As in women, the factors that determine if men are more prone to osteoporosis are driven by a variety of factors, including family history, exercise level, alcohol intake, and smoking history. Hormone levels, and medications or other health problems can also lower bone density. Men can’t change all of these factors, but as with many diseases, the daily decisions men make on food intake and activities can lower or raise osteoporosis risk.

Prevention – Calcium and Vitamin D: Calcium and vitamin D are essential to building and maintaining bone density. Try to get your daily calcium needs from your diet and use supplements only if truly necessary. The necessary daily calcium and vitamin D intake for men increases with age, leveling off at age 70, when men should get 1,200 mg of calcium and at least 800 units of vitamin D per day.

Eating calcium-rich foods like dairy products and green leafy vegetables is a great start to lowering osteoporosis risk. Men can limit fat intake from dairy products by choosing skim milk or low fat products, which contain the same amount

of calcium as their regular fat counterparts. But one very important note: If you take a blood thinner like Coumadin (warfarin), do not make changes to your diet without

consulting with your physician.

If you do opt for a calcium supplement, keep in mind your prescription medications, especially if you are treating

heartburn or acid reflux with proton pump inhibitors (PPI), such as Prilosec (omeprazole), Prevacid

(lansoprazole), or Nexium (esomeprazole). Because PPIs block stomach acid, calcium citrate might be better absorbed compared with other types of calcium supplements, as calcium citrate does not require stomach acid to be absorbed. If you take a different type of calcium supplement, like calcium carbonate, take it with a meal or snack. Your body produces stomach acid when you eat.

ASK THE EXPERT

Shaun Hart, ESIRegistered Pharmacist

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COMPASS OUTREACH

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Prevention – Weight-bearing Exercise: The other essential component to healthy bones is weight bearing/muscle strengthening exercise. This should be done 30 minutes a day most days of the week. Activities such as weight-lifting, hiking, jogging, brisk walking, and racquet sports all place “good stress” on bones, promoting bone-building and strengthening. Also try drinking fewer than two alcoholic beverages a day and not smoking to decrease your risk of osteoporosis.

To sum it up: You can’t feel your bones getting weaker and, unfortunately, often the first sign of osteoporosis is a broken bone. Therefore, prevention is the key to lowering your risk for suffering a debilitating bone fracture.

Work with your doctor to determine your individual risk for osteoporosis. Engage in bone-strengthening activities, get proper amounts of calcium and vitamin D, and if your doctor does determine that you have osteoporosis, he or she might prescribe a medication to help the body increase bone density.

Work with your pharmacist to ensure that you are taking your medication properly. Following these steps will help lower your chances of being one of the 80,000 men per year that will break a hip.

Want to learn more? Here is an additional resource that you may find helpful: National Osteoporosis Foundation: www.nof.org

References:

1. National Osteoporosis Foundation organization Website, The Man’s Guide to Osteoporosis, 2011, www.nof.org/files/nof/public/content/file/252/upload/85.pdf, Accessed December 2012.

2. National Osteoporosis Foundation http://www.nof.org/faq/598. Accessed December 2012.

ASK THE EXPERT

Men over 50 are more likely to BREAK A BONE due to

osteoporosisthan to develop prostate cancer.

After 70,men should get

1,200 mg ofCALCIUM

and

800 UNITS OF VITAMIN D

per day.

Have a SPLASH This Summer!If you were to ask yourself what the scariest thing you could encounter at the beach, you might find yourself saying, “Shark!”

Despite common belief, shark attacks fall toward the bottom of potential dangers one could encounter at the beach. Just a handful of people are killed each year by sharks, but an average of 3,306 people drown every year. According to the National Weather Service’s Web site, rip currents account for more than 100 deaths each year – far more than the one fatal shark attack recorded yearly.

Rip currents are defined by narrow, rip-like currents that form after waves break on the beach – they move both quickly and perpendicularly away from the shoreline. While rip currents vary in size and speed, they’re commonly measured between 10 and 20 feet wide, exceeding speeds of 5 miles per hour.

As stated by the United States Lifesaving Association (USLA) an estimated 80% of all ocean rescues are caused by rip currents. Unfortunately, rip currents aren’t as easy to spot as a shark might be. So any time you arrive at a beach – whether familiar or not with the location – always be mindful of flags and signs that might alert beachgoers of unsafe swimming conditions.

Telltale Signs for Spotting Rip Currents:• Changes in water color (murkier; darker water, cause by seaweed and sediments)

• Choppy, “agitated” water

• Floating objects appear to be moving further out to sea

• Water temperatures are noticeably colder than surrounding water

Escaping a Rip Current:• Don’t panic!! Save your energy and think clearly.

• Don’t swim against the current towards shore – swim parallel to the beach.

• If you are pulled with the current, calmly float until you escape the current’s pull, then swim diagonally back to shore.

If you’re planning a family vacation or simply packing up the car for a beach-day, always be sure to check ocean conditions – knowing ahead of time could alleviate feelings of worry or stress. As always, whether you’re poolside or at the beach, remember to wear sunblock, drink plenty of water, and take breaks to avoid dehydration and over-exhaustion while enjoying the summer sun!!

With vacation on everyone’s mind, don’t forget our travel insurance option through TruTravel. Coverage can protect your vacation investment in the event of a trip cancellation, interruption, delay, baggage loss and more! Visit www.compassrosebenefits.com/travel for more information on TruTravel!

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SUMMER SPOTLIGHT

COMPASS OUTREACH

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MEMBER CORNER

Young Voices, Big Inspiration – Operation Purple On October 17th, Compass Rose Charities (CRC) will host its 4th Annual Golf Invitational and Charity Auction at Turf Valley Country Club in Ellicott City, Maryland.

Last year’s event – which raised more than $85,000 for Companions for Heroes (C4H) – succeeded thanks to the generosity of all those that attended, auction winners and the courage of Founder David Sharpe and veterans alike, who shared their personal stories with guests. With this year’s event fast approaching, CRC is proud to announce the 2013 Charity of Choice.

Operation Purple: Since 2004 this program has provided a free week of summer camp to 45,000 military children and teens, including a retreat with their parents who have been, are currently, or will be deployed. Dedicated to helping military families, Operation Purple created three programs to help with deployment, reintegration, and coming together after injury. The organization recognizes the importance of our nation’s service members, and helps ease the significant impact that deployment can have on military families.

As CRC and Operation Purple come together this fall, our hope is to bring more joy and summer fun to military children and their families that demonstrate remarkable strength during challenging times. Learn more at www.compassrosecharities.org.

The Celebration Continues!As we continue celebrating our 65th Anniversary, Compass Rose Benefits Group would like to remind members to sign up for our $65 Visa gift card giveaway!

Twelve (12) members have already received prizes and this month it could be YOU!

Visit www.compassrosebenefits.com/65 or call a Member Services Representative at (866) 368-7227 to sign up TODAY!

Pinterest was recently added to CRBG’s social media channels!

Pinterest is, as Wikipedia describes it, “a pinboard-style photo-sharing website that allows users to create and manage theme-based image collections such as events, interests, and hobbies.”

Summer is fast approaching and CRBG would love for YOU to share your favorite destination spot(s) on our Pinboard titled “Traveling with our Members!”

Visit www.compassrosebenefits.com/pinterest to start pinning today!

Compare the Benefits…The Compass Rose Group Term Life Insurance Plan, underwritten by New York Life Insurance Company*, has unique differences from the Federal Employees’ Group Life Insurance (FEGLI) program. If you are already enrolled in FEGLI and you need to increase your coverage amount or you want to make sure you are covered even if you leave the Federal Government, you may want consider having both plans!

CRBG: Group Term Life FEGLI

Up to $500,000 in coverage. No salary limitations. Only eligible for 5X your annual salary in option B. Does not include any other options or basic.

Only answer 3 health questions. No medical exam required. No medical exam required initially. If it has been more than one year since exam was waived, then a physical is required.

Enrollment in this plan is voluntary. Eligible employees automatically enrolled unless you waive coverage.

Premium is based on your age and the amount of coverage selected.

The Government pays one-third of the premium cost for Basic and you pay two-thirds.

Guaranteed acceptance is offered for new employees of up to $250,000. There are no health questions for all eligible new employees within 60 days of hire.

BASIC FEGLI is equal to the greater of: a) your annual rate of basic pay rounded up to the next even $1,000 plus $2,000, or b) $10,000. After 35, extra benefit decreases each year until 45, when it goes away.

Automatic $10,000 of coverage for spouse and each child included.

Not included with BASIC FEGLI. Have to purchase separately through Option C-Family.

Supplemental Spouse Protection of up to $100,000. Supplemental Spouse Coverage is maxed at $25,000.

Coverage is 100% Portable. Coverage Terminates once you leave Federal Government. Coverage can be optionally converted to private account upon resignation.

Full coverage for ACTS OF WAR and TERRORISM to include AD&D if you are there at the direction of your employer.

Claims Paid on case by case bases for death resulting from Acts of War.

Can apply to make changes at ANYTIME. Can only make changes if you have a Qualified Life Changing Event or a physical exam.

Rate changes in 10-year increments prior to age 60. Rate changes in 5-year increments.

Source: www.opm.gov, FEGLI Handbook July 2008

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SPECIALTY PRODUCTS

Enter for a Chance to WIN a $50 Starbucks Gift Card!One (1) grand prize winner and ten (10) coffee tumbler winners each month! Visit www.compassrosebenefits.com/coffee today to learn ways our Group Term Life Insurance Plan can help you protect what matters most to you.**

*NY, NY 10010 on Policy Form GMR-ER-P **Including the plan features, costs, eligibility, renewability, limitations and exclusions. No Purchase Necessary. The Compass Rose Benefits Group Tumbler and Gift Card Sweepstakes is open to legal residents of the 50 United States, Washington, D.C., and Puerto Rico, 18 and older. This is a monthly sweepstakes that ends on the last day of each month from April 2013 through December 2013. Void where prohibited. Sponsored by Compass Rose Benefits Group. 1768 Business Center Drive, Reston, VA 20190.

507587

COMPASS OUTREACHSPECIALTY PRODUCTS

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101 Reasons to Use LegalShieldThere are many instances when you might need legal protection no matter how old you are, or what stage of life you’re in. Here’s some you might not have considered.

To enroll in our newest legal product or to learn more, visit www.compassrosebenefits.com/legal

1. You don’t have an up-to-date will.2. You don’t understand the difference between a trust and a will.3. Family members challenge your parent’s will.4. You don’t understand your health insurance plan or new legislation.5. You are selected for an audit.6. Your parents die and leave you executor of their estate.7. You are tired of hidden cell phone fees.8. You do not have a retirement savings plan.9. You lose your personal identification.10. You receive a speeding ticket.11. You are buying or selling your home.12. Your driver’s license is suspended.13. Your landlord raises rent in violation of your verbal agreement.14. Your teenager is accused of shoplifting.15. You decide to change your name.16. Your new washing machine doesn’t wash.17. Creditors threaten to take action against you for your ex-spouse’s debts.18. A neighbor or school reports you for child abuse.19. You adopt a child.20. A friend or neighbor is injured on your property.21. You need child support enforced.22. A friend owes you money and files bankruptcy.23. A caller demands money or damaging information will be released.24. Your car is damaged by a hit-and-run driver.25. You accidentally back over a neighbor’s garbage can.26. A hairdresser damages your hair with harsh chemicals.27. Your car is repossessed unjustly.28. You are subpoenaed or served with legal papers.29. You are called to jury duty.30. Your long drive off the tee injures another player.31. You need a lease agreement reviewed.32. Your son is injured in a football game.33. A neighbor trips over a rake in your yard.34. A jeweler sells you defective merchandise.35. A car dealership gains illegal access to your credit history.36. You are hit by a bottle at a baseball game.37. A tenant falls down stairs and sues you.38. You need help with credit card liability resolution.39. You are injured when you slip on a wet floor in a public building.40. Your livestock trample a neighbor’s garden.41. Your neighbor’s dog barks for hours every night.42. Your teenager gets a speeding ticket.43. Your landlord enters your apartment without permission.44. Your child throws a baseball through a neighbor’s car window.45. You don’t have a Living Will or Medical Power of Attorney.46. Your boat is damaged while in storage.47. Your landlord refuses to refund your cleaning deposit.48. You lose an expensive watch in a hotel and the manager denies liability.49. A speeding car nicks your bumper because you parked in the street.50. A merchant refuses to honor a guarantee.

51. You have an accident driving your friend’s boat.52. Your spouse claims a right to your earnings.53. A record or club sends merchandise after you cancel your membership.54. You are refused service at a restaurant.55. A property manager refuses to rent to you.56. You are denied credit for no apparent reason.57. An online auction goes sour.58. The repair shop threatens small claims court for money you don’t owe.59. Your car insurance is cancelled when your teenager has an accident.60. Your child needs special education in public school.61. You made a sizable gift to charity.62. Angry words result in a slander law suit.63. You need a patent for an invention.64. You need a copyright for your manuscript.65. You are wrongly accused of committing a crime.66. Your right to privacy has been invaded.67. Your car is vandalized in a parking lot.68. A postal carrier slips on your unshoveled walk and breaks his or her leg.69. You have questions about escrow in a home purchase.70. You’re stopped for speeding and a friend is in possession of marijuana.71. Your teenager wrecks the car and a friend is injured.72. You care for your elderly parents.73. You receive disability.74. You are cheated by a door-to-door salesman.75. A repairman charges more than a given estimate.76. A creditor tries illegal collection tactics.77. An accident results in a personal injury.78. You are scheduled to appear in small claims court.79. Your new house has bad plumbing and a leaky roof.80. You take a vacation and your room is a view of the trash dumpster.81. A minor is caught breaking into your home.82. You have a fender bender while driving a friend’s car.83. You have liability questions in launching a new business.84. You have a question about an easement on your property.85. Your neighbor’s dog bites your child.86. You have a property line dispute over a newly installed fence.87. You’re asked to testify as a witness to a crime.88. You need a premarital agreement.89. You’re buying or selling a car.90. Your child’s school demands a drug or alcohol test.91. Your bank sends a foreclosure notice after one house payment is late.92. A retail store won’t accept the return of defective merchandise.93. A repairman won’t stand behind his work.94. A trespasser is caught poaching on your land.95. You are leasing property.96. You receive a letter from a creditor and it is not your debt.97. A bank reports bad credit activity unjustly.98. You need advice concerning a divorce.99. You own your own small business.100. You can’t make heads or tails out of the new tax forms.101. Your spouse uses physical force against you.

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