Www.coloniallife.com Jefferson County Board of Education 2013 Open Enrollment Employee Benefits Meeting

www.coloniallife.com

Jefferson County Board of Education2013 Open Enrollment Employee Benefits Meeting


o Why are we here?

o Review your entire benefits program

o Talk about how to enroll

o Who to see, and when to see them

o Assist you in the selection of all benefits

o Sign up and activate

Jefferson County Board of EducationEmployee Benefits Communication and Education

Jefferson County Board of EducationEmployee Benefits Communication and Education

www.coloniallife.comwww.coloniallife.com

o This material is for informational purposes only and is neither an offer of coverage nor medical advice.o It contains only a partial, general description of plan of program benefits and does not constitute a contract or any part of one. o For a complete description of the benefits available to you, including procedures, exclusions and limitations, refer to your specific plan documentso All benefits are subject to coordination of benefits unless noted otherwise. o In case of a conflict between your plan documents and this presentation, the Plan Documents will govern.

DisclaimerDisclaimer

o A $50,000 endowment was made to Jefferson Co. Schools for the purpose of establishing a scholarship fund.o $1000 scholarship awarded annually to Jefferson Co. High School senior for teacher educationo Additional funds (through donations) would allow this fund to continue beyond the initial fundingo Donations are made for one-year and need to be renewed each year – our benefits counselors will be able to assist


Dade Kelley Scholarship FundDade Kelley Scholarship Fund

• The Jefferson County Board of Education offers eligible employees the opportunity to save for retirement by participating in a 403(b) Plan. You are eligible to participate in this plan, whether or not you are actively contributing to it. In most cases, your deductions are “pre-taxed”.

• Not yet contributing to the 403(b) plan? To start your contributions to the 403(b) plan, complete and return a salary reduction agreement to Shonta Walker at the county office. You may enroll at any time but paperwork must be turned in during the first 2 weeks of the month you wish to begin contributing. Contributions will begin the first of the month after the paperwork is received. You must also establish an account with the appropriate investment provider(s) that you have selected.

• Already contributing the 403(b) plan? Great news! You have an opportunity to increase your contributions to the 403(b) Plan. If you are already currently contributing to the 403(b) plan, you may be able to increase your pre-tax contributions. To change your contributions, complete and return a salary reduction agreement to Shonta Walker.

• Need to reduce your contributions to the 403(b) Plan? You can change your contribution rate by completing and returning a salary reduction agreement as described above.

• Need to stop your contributions to the 403(b) Plan? You may stop contributing at any time with written notice to Shonta Walker. However, you must contact your agent to resume contributions.

• How much can I contribute? You may contribute up to $17,500 in 2013. This amount may be adjusted annually. Also, if you are at least 50 years old and/or you have completed at least 15 years of service, you may also be able to make additional catch-up contributions. Contact your agent for specific details

• This information has been amended from the “Annual 403(b) Plan Eligibility Notice” available to all employees on the teacher website. The information is available upon request.


Annual 403(b) Plan Eligibility Notice

Annual 403(b) Plan Eligibility Notice

VALIC Eric Swierski (803) 279-7172 [email protected]

ING (RELIASTAR) Bruce Beck (706) 863-7666

LINCOLN NATIONAL No Representative Website: www.lfg.com

Agents:

mailto:[email protected]

Jefferson County Board of Education

Section 125

Medical Plan Review

Dental

Group Long Term Disability

Voluntary Benefits

Accident New Plan for 2013!!

Life Insurance

Group Term Life – New Plan for 2013

Group Short Term Disability

Cancer

Hospital Supplement

Critical Illness


Section 125 Plan – Flexible Benefits Plan

o Also called “Cafeteria Plans”Premium Only Plan is only available through your employerA strong benefit that costs you nothing!

o IRS Code Section 125 allows selected employee benefits to be deducted from Gross Earningso The IRS requires that “eligible” (pre-tax) deductions be verified annuallyo The superintendent has determined this will be a mandatory enrollmento Designed to make your benefits more affordable

Lowers taxable income, increases spendable incomeo Pre-Tax Elections must be maintained for a year

o Exceptions: Family Status, Employment Status, Leaves of Absence, Major Health Plan changes


Section 125 Plan - Cafeteria Plan

The premium of certain benefits is pre-taxed.

You may have more take home pay by paying lower taxes

Choose qualified insurance coverage and pay the premiums with pre-tax dollars.


Without WithPremium Premium

Only Plan Only Plan

Gross pay $500.00 $500.00

Pretax reduction (major medical ins.) -0- - 50.00

Taxable gross 500.00 450.00

FICA, fed. & state taxes - 68.98 - 57.46

Net pay 431.02 392.54

Payroll Deduction (major medical ins.) -50.00 -0-

Take home pay $381.02 $392.54

Premium Only PlanFlexible Benefits Programs


o As part of your benefits plan, you may have Medical, Dental or other non-Colonial Benefits

o Each Enrollee should:o Be aware of what the plan provides you

o Some coverage have 100% paid benefits (wellness, preventive care) that make your premium contribution worthwhile

o Be aware of out-of-pocket expenses that can add financial stress to an already stressful event

o Co-payments, deductibles, annual maximums can limit your ability to maintain your lifestyle

o Medical plan information is for your review ONLY. Your State Merit Benefits will be re-enrolled in OCTOBER each year, all other benefits are re-enrolled in APRIL.

State Health Benefits Plan Options

o This is a REVIEW ONLY. Your State Health Benefits Plan is renewed on October every year

o A Consumer-Driven approach to your health benefits

o Three Plan Options

o HRA Option

o HDHP Option

o HMO Option



HEALTH CAREState Health Benefits Plan

o Changes in 2013 – effective 1/1/2013o Elimination of the Spousal Surcharge o Increase in deductibles and co-insurance for the

HRA,HDHP and HMO Standard and Wellness Planso Increase in co-payments under the HMO Standard

Planso PCP & Urgent Care- $55; Specialist - $65

o Change in HRA credits in the Standard Plano Increase in premiums for most plan options and tiers


o Wellness Option:o Lower premium, lower co-insuranceo Must complete requirements before 31 May 2013

o Health assessmento On-line health trainingo Biometric screening (if enrolled new in 2013)

o Surcharges:o Tobacco - $80.00 monthly, if ANY covered person has been

a tobacco user in the past 12 months

o Wellness Option:o Lower premium, lower co-insuranceo Must complete requirements before 31 May 2013

o Health assessmento On-line health trainingo Biometric screening (if enrolled new in 2013)

o Surcharges:o Tobacco - $80.00 monthly, if ANY covered person has been

a tobacco user in the past 12 months


State Health Benefits Plan Outline (In-Network)


Georgia Department of Community Health - State Health Benefit Plan

Calendar Year 2013

Plan Design WELLNESS HRA STANDARD HRA WELLNESS HMO STANDARD HMO WELLNESS HDHP STANDARD HDHPDeductible

You $1,600 $1,600 $1,300 $1,300 $1,800/$3,600 $2,000/$4,000 You + Child(ren) $2,800 $2,800 $1,950 $1,950 $3,600/$7,200 $4,000/$8,000

You + Spouse $2,800 $2,800 $1,950 $1,950 $3,600/$7,200 $4,000/$8,000 You + Family $4,000 $4,000 $2,600 $2,600 $3,600/$7,200 $4,000/$8,000

Out-of-Pocket You $4,000 $4,500 $4,000+Copays $4,500+Copays $4,000/$8,000 $4,500/$9,000

You + Child(ren) $6,500 $7,000 $6,500+Copays $7,000+Copays $8,000/$16,000 $9,000/$18,000 You + Spouse $6,500 $7,000 $6,500+Copays $7,000+Copays $8,000/$16,000 $9,000/$18,000 You + Family $9,000 $9,500 $9,000+Copays $9,500+Copays $8,000/$16,000 $9,000/$18,000

HRA Dollars You $500 $150 N/A N/A N/A N/A

You + Child(ren) $1,000 $300 N/A N/A N/A N/AYou + Spouse $1,000 $300 N/A N/A N/A N/AYou + Family $1,500 $500 N/A N/A N/A N/A

Office Visit 85%/60%, after ded 85%/60%, after ded$35 PCP, $45

SCP$55 PCP, $65

SCP 90%/60%, after ded80%/60%, after

ded

Hospitalization 85%/60%, after ded 85%/60%, after ded 80%, after ded 80%, after ded 90%/60%, after ded80%/60%, after

ded

Lab 85%/60%, after ded 85%/60%, after ded 80%, after ded 80%, after ded 90%/60%, after ded80%/60%, after

ded Pharmacy Cost Share After deductible

Tier 115%, Min $20, Max

$5015%, Min $20, Max

$50 $20 $20

In 20%, Min $10, Max $100; Out - no

coverage

In 20%, Min $10, Max $100; Out -

no coverage


$8025%, Min $50, Max

$80 $50 $50


$12525%, Min $80, Max

$125 $90 $90Tier 4 N/A N/A N/A N/A N/A N/A



STANDARD OPTION EE ONLY EE & CH

EE & SP

FAMILY

UHC HMO $149.38 $325.88 $347.34 $430.96

UHC HRA $104.92 $271.26 $286.66 $364.54

UHC HDHP $93.54 $253.32 $267.34 $344.14

CIGNA HMO $142.38 $318.88 $340.34 $423.96

CIGNA HRA $97.92 $264.26 $279.66 $357.54

CIGNA HDHP $86.54 $246.32 $260.34 $377.14

Basic plan rates – An $80 surcharge is added if any covered memberor dependents use tobacco productsBasic plan rates – An $80 surcharge is added if any covered memberor dependents use tobacco products

WELLNESS OPTION EE ONLY EE & CH

EE & SP

FAMILY

UHC HMO $139.38 $300.88 $322.34 $413.86

UHC HRA $94.92 $246.26 $261.66 $350.86

UHC HDHP $83.54 $228.32 $242.34 $331.48

CIGNA HMO $132.38 $293.88 $315.34 $406.86

CIGNA HRA $87.92 $239.26 $254.66 $343.86

CIGNA HDHP $76.54 $221.32 $235.34 $324.48



INSTRUCTIONS FOR ACCESSING THE HEALTH ASSESSMENT AND WELLNESS PROGRAMS:

CIGNA Healthcare

1. Log onto www.myCIGNA.com. and log in using your User ID and Password, and then select “Go.” If you are not yet registered for myCIGNA.com, you will need to do that first: a. On the www.myCIGNA.com log in screen, in the bottom-left menu, select “Register.” b. Follow the registration instructions and enter the required information.When finished, you will be asked to log in using your new User ID and Password.

2. Once logged in, on the right side of the first page, you’ll see a box labeled “I want to….” Select the link that says “Take my health assessment.” If you can’t find this link, select the tab near the top-left of the page called “My Plans,” and then select the sub-tab labeled “Medical.” Now, again look on the right side of the page for a box labeled “I want to….” Select the link that says “Take my health assessment.”

3. On the next page, select your name. A new window will open to the my health & wellness center log-in page.

4. On the log-in page, under “New Users,” select “Register for my health & wellness center.”

5. Follow the registration instructions and complete all required fields.

6. When registration is complete, the next page will be the my health & wellness center home page. From here, you can take your health assessment or join an Online Health Coaching Program.

For telephonic wellness programs or If you have trouble with the Health Assessment or Wellness Information, please contact the Customer Service Unit of your Health Plan Vendor.

http://www.mycigna.com/



INSTRUCTIONS FOR ACCESSING THE HEALTH ASSESSMENT AND WELLNESS PROGRAMS:

UnitedHealthcare

1. Click on www.myuhc.com.

2. Click on “Site Login” and enter Username and Password or “Need a user name and password” if a first time user.

3. Click on the "Health Assessment" button located in the right hand column

4. On the Health & Wellness homepage, click on "Spanish or English Health Assessment“ 5. Read the privacy information and then click on "Launch University of Michigan Health Assessment" in the middle of the page.

6. Answer the questions and hit "Submit to the University of Michigan for Analysis" at the bottom of the questionnaire.

7. Review your personal results profile. You may also print for your records. Your completed health assessment will personalize your online health & wellness experience.

8. In addition to completion of the Health Assessment, you must complete an online or telephonic wellness program.

For telephonic wellness programs or If you have trouble with the Health Assessment or Wellness Information, please contact the Customer Service Unit of your Health Plan Vendor.

http://www.myuhc.com/


• Members new to a Wellness Plan must complete three (3) health actions:• Members and spouses (if covered) the online SHBP Member Education

module between January 1, 2013 and 4:30pm on May 31, 2013• Members and spouses (if covered) must complete an online

health assessment NLT 4:30pm on May 31, 2013

• Members and spouses (if covered) must obtain their biometric screenings NLT May 31,2013 and have their physician fax a completed Screening Form NLT 4:30pm on May 31, 2013

• For all of the requirements, be sure to PRINT A COPY OF YOUR

CERTIFICATE OF COMPLETION

• Members new to a Wellness Plan must complete three (3) health actions:• Members and spouses (if covered) the online SHBP Member Education

module between January 1, 2013 and 4:30pm on May 31, 2013• Members and spouses (if covered) must complete an online


• Members and spouses (if covered) must obtain their biometric screenings NLT May 31,2013 and have their physician fax a completed Screening Form NLT 4:30pm on May 31, 2013

• For all of the requirements, be sure to PRINT A COPY OF YOUR

CERTIFICATE OF COMPLETION

HEALTH CAREState Health Benefits Plan• Members who re-enrolled in a Wellness Plan (met their 2012 Wellness Promise) will complete two (2) health actions for 2013

• Members and spouses (if covered) must complete an online SHBP Member Education module at www.AHealthierSHBP.com between NLT May 31, 2013

• Members and spouses (if covered) must also complete an online


http://www.ahealthiershbp.com/



• All members and spouses (if covered) enrolled in either a 2013

Standard Plan or enrolled in a Wellness Plan option for the first time will each be eligible to earn a $240 HRA incentive fund contribution for 2014 if they complete all of the three actions listed

• Second year Wellness Plan members and spouses (if covered)

need to complete only the first two actions , number s one (1) and two (2) to earn a $240 HRA incentive fund contribution.


o Jefferson County Board of Education provides Term Life Insurance for all eligible employees

o $15,000 Term Life and Accidental, Death and Dismemberment Insurance

o We have been asked to update everyone’s beneficiary

INSURANCE BENEFITEmployee Term Life

HEALTH CAREDelta Dental

o Basic Plan : JCBOE pays cost for employee’s basic dental coverage

o Rates are being adjusted effective 7/1/2013.o High Option: For an additional $4.76 per

month, the following services can be added to the basic plan.

o Up to 50/50 coverage (12 months waiting period):o Crowns, Fixed Bridges, Partial or complete

dentures


HEALTH CAREDelta Dental

o Family Coverage is available:Dental Rates will remain the same for this plan year

Basic coverage : $43.20 per month

High Option : $60.86 per month. Includes crowns, fixed bridges, partial/complete dentures

o If changes are made, you MUST complete a new application – agents will assist you


Long Term DisabilityJefferson Pilot


o JCBOE pays the premium

o Benefit = 60% of your gross salaryo 90 day Elimination Period o Benefits:

o continue until age 65 o offset by Worker’s Comp or Social Security

Short-Term Disability Insurance

o Protect your income and lifestyle

o Use benefits to help pay for:o Lost wages due to accident or sickness

o Mortgage or rent payments.

o Utility bills and other household expenses

o Use the money where it’s needed most



Voluntary Insurance BenefitShort Term Disability (Jefferson Pilot)Voluntary Insurance BenefitShort Term Disability (Jefferson Pilot)

• 14th day elimination period for injury and sickness • Weekly Gross Disability Benefit = 60%• Weekly Benefit Maximum = $750• Benefit period = 11 weeks• Pre-existing conditions not covered for 12 months• Application, including health questions MUST be completed

• 14th day elimination period for injury and sickness • Weekly Gross Disability Benefit = 60%• Weekly Benefit Maximum = $750• Benefit period = 11 weeks• Pre-existing conditions not covered for 12 months• Application, including health questions MUST be completed


Voluntary Insurance BenefitShort & Long Term DisabilityVoluntary Insurance BenefitShort & Long Term Disability

Period of DisabilityPeriod of Disability

Elimination Period Ends – File Short Term Elimination Period Ends – File Short Term

Start of Disability – Enter Elimination PeriodStart of Disability – Enter Elimination Period

LTDLTDSTDSTD

Short Term Ends – File Long TermShort Term Ends – File Long Term

Return to Work – Benefits EndReturn to Work – Benefits End

Why Supplemental Insurance?


o Ask yourself, “If something happened to me o TODAY, could I

o Pay my rent or mortgage?o Put food on my table?o Keep my car on the road?o Pay my bills? (especially heating and

electricity)o Provide for my children?

o Can you support or maintain your lifestyle in the face of reducing personal assets to meet your expenses?

o Ask yourself, “If something happened to me o TODAY, could I

o Pay my rent or mortgage?o Put food on my table?o Keep my car on the road?o Pay my bills? (especially heating and

electricity)o Provide for my children?

o Can you support or maintain your lifestyle in the face of reducing personal assets to meet your expenses?

Colonial Life

The Advantage of Colonial Life plans:

Most plans pay in addition to other benefits you may have with other insurance companies.

Benefits are paid directly to you, unless you specify otherwise.

With most plans, you can keep your coverage even if you change jobs or retire.

Most plans are guaranteed renewable.

Prompt and courteous customer service.


Colonial Life


Life Insurance

Permanent Life Insurance

Term Life Insurance

Hospital Income Supplements

Critical Illness Insurance

Accident Insurance

Cancer Insurance

Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

Colonial Supplemental Insurance Life Insurance


In general, there are two forms of life insurance: Term Life:

Term life is simply a death benefit Easy to get and inexpensive No cash build-up, no additional value Protect your family and their future

Permanent Life Universal Life, Whole Life Cash value builds as policy ages As a cash building policy, these plans add value to your self-worth Premium never changes Invest in your own, or your families future

• Term Life insurance is simply a death benefit• Group Life takes all employee and treats them as a single

risk• Creates lower rates and makes a very affordable plan

Coverage Options:

Employee - $10,000 increments, up to 5x your annual salary$150,000 coverage Guaranteed Issue FOR ALL EMPLOYEESDuring THIS ENROLLMENT ONLY New Plan includes Accidental Death and DismembermentEmployee Assistance Program and TWO optional AD&D benefits

Spouse - $5,000 increments up to employee amount selected$25,000 Guaranteed Issue (Employee must insure themselves) Dependents - Up to age 26$1,000 increments, up to $10,000 Guaranteed Issue Single premium includes all eligible children

Colonial Supplemental Insurance Group Term Life 1.0 – New Plan for 2013!!

o Term Life and Accidental Deatho AD&D will double the death benefit (up to $150,000 maximum)o Old plan DID NOT include AD&D

o Better Rateso Employee rates are lower than prior years.o At certain age groups, spouse premiums may be higher

o Convertibleo Keep coverage if you retire, or leave place of employment. o Application is required at the time of conversion.

o LifeWorks Employee Assistance Programo Accelerated Death Benefit

o 75% benefit paid if you are diagnosed terminally ill, with 12 months or less to live, up to $250,000

o Waiver of Monthly Premiumo Monthly premium is waived in the event you become disabled

before age 70, 270-day elimination period


• All Existing Colonial VGTL Coverage will be converted with NO HEALTH

QUESTIONS ASKED• Full amount of in-force coverage! • Take advantage of the new rates!!

• Any new coverage up to $150,000 is Guaranteed Issue• NO HEALTH QUESTIONS – All full time employee are eligible• New applications or increase to Colonial VGTL plans

• Accidental Death and Dismemberment benefit• NEW BENEFIT – not included in VGTL plan• Optional Family and Catastrophic Illness Benefits

• All Existing VGTL coverage MUST be changed to GTL 1.0 • VGTL plan will be lapsed as of 7/1/2013



Age Band VGTL (OLD

)

GTL 1.0(NEW)

VGTL (OLD)

GTL 1.0(NEW)

VGTL (OLD)

GTL 1.0(NEW)

Employee Spouse Child(ren)

0 – 24 0.06 0.04 0.09 0.089 0.39 0.356

25 – 29 0.06 0.052 01.09 0.089

30 – 34 0.08 0.07 0.11 0.106

35 – 39 0.11 0.109 0.15 0.144

40 – 44 0.17 0.159 0.24 0.239

45 – 49 0.31 0.254 0.43 0.419

50 – 54 0.52 0.397 0.72 0.710

55 – 59 0.75 0.597 1.05 0.982

60 – 64 0.90 0.891 1.26 1.730

65 – 69 1.62 1.50 2.25 2.842

70 – 74 2.74 1.668 3.81 5.776

75+ 5.50 5.453 7.64 9.818

AD&D n/a 0.028 n/a 0.034 0.040

Family Suite

0.030

Catastrophic Suite

0.033

Colonial Life

Universal Life InsurancePortable and guaranteed renewable.

Coverage for you and your family.

Cover self or spouse with individual plans

Juvenile UL with Guaranteed Purchase Option

Can accumulate cash value.

Guaranteed to build at 4% annually

Policy is YOURS, even if you change jobs or retire

Premiums will not change with age

The advantage of flexible premium payments and death benefits.


Product underwritten by Colonial Life & Accident Insurance Company.Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

Colonial Supplemental Insurance Universal Life Insurance


• Spouse Coverage • Duplicate the same benefits as offered to you -- even if

you don’t buy a policy for yourself• Spouse Term Coverage in addition to your Life Policy• For amounts less than $50,000 spouse signature not

required• Juvenile Coverage

• Universal Life -- policy for each child• NEW!! Amounts up $100,000 available for Juvenile

plans• Low rates at younger age, coverage continues even if

health problems develop• Opportunity to increase coverage at age 18, 21 & 24

with no health questions asked. Maximum face value $100,000

• A tremendous value for children under the age of ten – premiums for $25,000 typically less than $10 monthly

Colonial Supplemental Insurance Universal Life Insurance


Additional Coverage AvailableNEW!!! Long Term Care Benefits

Use your Universal Life Plan to fund Long Term Care expenses without diminishing the original face value

Accidental Death* - Death benefit doubles if death is due to an accidentWaiver of Monthly Deduction* -- Protects your policy in the event you become totally disabled before the age of 60Additional Coverage Term

Term life riders as part of the basic policy.Term Life riders are available for the named insured or for spouse or children

Guaranteed Purchase Option - The opportunity to increase the original face value at programmed intervals, with NO HEALTH QUESTIONS ASKED* These options are recommended on policies with face values less than $50,0000

Colonial Life

Whole Life InsurancePortable and guaranteed renewable.

Coverage for you and your spouse

Built-in Guaranteed Purchase Option

Increase face amount at the 2nd, 5th and 8th years with NO HEALTH QUESTIONED ASKED.

Can accumulate cash value.

Policy builds to a guaranteed cash value at age 65.

“Paid Up” life insurance

Option to paid in full at age 65 or 95

Stop paying for policy, coverage remains in force

Policy is YOURS, even if you change jobs or retire

Premiums will not change with age

The advantage of flexible premium payments and death benefits.


Colonial Life

Hospital Confinement Indemnity Insurance

Designed to supplement your existing major medical coverage.

Lump-sum benefit helps you to pay medical and non-medical expenses associated with a hospital stay, such as:

Deductibles or co-payments.

Transportation to and from the hospital.



Medical Bridge 3000


Hospital Confinement Indemnity InsuranceThis plan has been revised in response to changes in the State Health Benefits Plan.

Designed to supplement your existing major medical coverage.

Lump-sum benefit helps you to pay medical and non-medical expenses associated with a hospital stay, such as:

Hospital Confinement – choose $500 or $1000 lump-sum

Out-patient surgery - $500 or $1000 depending on procedure ($1500 annual maximum)

Wellness benefit - $50 annually for 18 different tests

Rehabilitation benefit - $100 daily for 15 days (30 days annual maximum)

$250 for diagnostic tests; $150 ER visits for accidents or sickness

o Coverage available for Employees, Spouse and Children

Critical Illness


Critical Illness 1.0 Helps protect your financial security if you experience a specified critical illness or catastrophic illness

Heart attack (myocardial infarction)

Stroke

Organ Transplant

Kidney failure (end-stage renal failure)

Bypass surgery

Blindness (due to an accident)

Coma (due to an accident)

Pays a lump-sum benefit upon diagnosis.

Up to $75,000 for employees and $40,000 for spouse and children

Dependent benefit is 25% of employee amount up to $40,000 max

Subsequent Diagnosis benefits included

The benefit is paid to you unless you specify otherwise—use the money where it’s needed most!

Colonial Life

Accident Insurance

o An on-the-job accident occurs every eight seconds

o Approximately 22% of the injury visits to an emergency room are the result of sports-related activities for persons between the age of 5 and 22

o Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident.

o Provides benefits for initial care and treatment, in addition to some follow-up care that you may need.



Accident Care


Accident Insurance

Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident.

Initial Care - $150 ER benefit, $100 Ambulance benefit, $50 Doctors Office benefit

Injury Benefits – Broken bones, dislocations, burns, concussions, lacerations, and more

Benefits range from $50 (broken toe or finger) to $4,000 (dislocated hip)

Hospitalization - $750 on admission, $200 daily for 365 days

Other benefits – Follow-up doctor visits, physical therapy, wheelchairs, crutches, accidental death

Optional benefits include – wellness benefit, sickness hospitalization and spouse disability

Group Accident 1.0 – New Benefit


BENEFIT Accident Care NEW!!! Group Accident 1.0

PLAN IN USE Plan 2 Plan 3

Accident ER Treatment $150 $125 per visit $125 per visit

Accident Follow-Up Doctor Visit(Doctor’s office, urgent care facility, or emergency room)

$50 must occur after initial ER or DOV within 90days of covered accident

$50/3 visits per covered accident,12 visits per calendar year

$50/4 visits per covered accident, 16 visits per calendar year

Accidental Death $25,000 EE$10,000 SP$5,000 CH

$25,000 EE/SP$5,000 CH

$50,000 EE/SP$10,000 CH

Accidental Death :Common Carrier

$50,000 EE$20,000 SP$10,000 CH

$100,000 EE/SP$20,000 CH

$200,000 EE/SP$140000 CH

Accidental Dismemberment Loss of a Finger/Toe/Loss of Hand/Foot/Sight

$750 – $15,000 $300 (1); $600 (2+) $3,000 (1) $6,000 (2+)

$300 (1); $600 (2+) $3,000 (1) $6,000 (2+)

Ambulance – Air $500 $1,500 $2,000

Ambulance – Ground $100 $200 $400

Appliances $100 $100 $200

Blood, Plasma, Platelets $300 $300 $500

Burns (based on size and degree) $750 (2nd degree covering 36% of the body)$1,500 (3rd degree covering 9 sq inches, but less than 35 sq inches)$10,000 (3rd degree covering 35 or more sq inches)

$1,000 (2nd degree covering 36% of the body)$2,000 (3rd degree covering 9 sq inches, but less than 35 sq inches)$12,000 (3rd degree covering 35 or more sq inches)

$1,500 (2nd degree covering 36% of the body)$3,000 (3rd degree covering 9 sq inches, but less than 35 sq inches)$18,000 (3rd degree covering 35 or more sq inches)

Burns – Skin Graft Not covered 50% of Burn Benefit 50% of Burn Benefit

Coma (duration at least 14 days) Not covered $10,000 $20,000Concussion $100 $150 $200



BENEFIT Accident Care NEW!!! Group Accident 1.0PLAN IN USE Plan 2 Plan 3

Dislocation (based on joint and if repaired by open or closed reduction)

$100 - $4,000 $150 - $6,000 $200 - $8,000

Extended Accident Dismemberment

Not Covered EE/SP $50,000CH $25,000

EE/SP $75,000CH $37,500

Emergency Dental Work $150 (crown, implant, or denture)$50 (extract)

$300 (crown, implant, or denture)$100 (extract)

$600 (crown, implant, or denture)$200 (extract)

Eye Injury $200 $150 $200Fractures (Based on bone and if repaired by open or closed reduction)

$50 - $5,000 $150 - $7,500 $200 - $10,000

Hospital Admission* $750 $1,000 $1,500Hospital Confinement*(Per day up to 365 days)

$200 $200 $300

Hospital ICU Admission* None $1,500 $2,500Hospital ICU Confinement(for up to 15 days)

$400 $400 $600

Colonial will pay either the Hospital Admission Benefit or the Hospital ICU Admission Benefit, but NOT both

Knee Cartilage – Torn $500 $500 $1,250Laceration (based on size and repair)

$50 - $400 No Stitches: $25With Stitches < 2”: $75

2” – 6”: $300>6”: $600

No Stitches: $50With Stitches < 2”: $150

2” – 6”: $600>6”: $1,200

Lodging (Companion)(daily for up to 30 days)

$100 $150 $200



BENEFIT Accident Care NEW!!! Group Accident 1.0PLAN IN USE Plan 2 Plan 3

Medical Imaging StudyLimit one accident per year

Not Covered $150 $200

Pain Management(Epidural Anesthesia)


Prosthetic Device/Artificial Limb $500 (1)$1,000 (2 +)

$500 (1);$1,000 (2 +)

$1,000 (1);$2,000 (2 +)

Ruptured Disc $400 $500 $1,200Surgery – Cranial, Open Abdominal, Thoracic, excluding hernia

$1,000 (open abdominal or thoracic)

$1,500 $2,000

Surgery – Hernia Not Covered $200 $250Surgery – Exploratory or arthroscopic


Tendon/Ligament/Rotator Cuff $400 - $600 $500 (1)$750 (2 +)

$1,200(1)$1,800 (2 +)

Therapy – Occupational and Physical Therapy Benefit

$25 for up to 6 visits $25 per day, for up to 10 days $40 per day, for up to 10 days

TransportationUp to 3 trips per accident

$300 per trip(must be more than 100 miles)



X-Ray Benefit None $30 $50

Group Accident 1.0 - Rates


ACCIDENT CARE GROUP ACCIDENT

Base Plans Off-Job On/Off-Job Base Plans Plan 2 Plan 3

Employee $14.25 $16.75 Employee $14.93 $23.69

Employee + Spouse $20.00 $22.25 Employee + Spouse $28.64 $38.80

1_Parent Family $25.75 $28.00 1_Parent Family $31.16 $42.78

2-Parent Family $31.50 $33.50 2-Parent Family $42.27 $57.89

• If you have in-force Accident Care, you may keep that plan.• This is Group Insurance and require a minimum of 10 participants• There are NO optional benefits with plan

Colonial Life Cancer InsuranceColonial Life Cancer Insurance The risk of developing cancer is, unfortunately, very

real .The lifetime risk for men is 1 of 2, and for women 1 of 3

Cancer costs exceed $174 Billion annually in the U.S. Primarily indirect and hidden costsMajor Medical typically covers 35% of Direct CostsYOU pay indirect expenses -- 65% of total costs!

Improved treatment and screening make cancer more detectable and survivable than ever.

5-year survival rate for screening accessible cancer is 80%It could be as high as 95% if everyone took advantage of regular screening


Cancer 1000


Cancer InsuranceHelps protect you against the indirect costs and other expenses associated with cancer diagnosis and treatment.

Benefits payable for:Specified cancer screening tests. $25 to $125 depending on planDiagnosis of skin cancer.Hospital confinement - $100 to $400 daily

After 30 days, benefit doubles if still hospitalized Radiation/chemotherapy - $100 to $300 daily

Monthly maximums' apply depending on delivery method

Transportation – 50 cents/mile for $1500 mile round trip. Payable for insured and traveling companionLodging - $75/night for 70 nights

NOTE: There have are several generations of cancer plans in force. If your plan is over 10 years old we discourage replacement without reviewing the benefits. Newer plans may not provide the benefits of these plans.


What Happens Next?

Review and EnrollTake advantage of your options.

Don’t be afraid to ask questions.

If you have question prior to your individual meetings, feel free to contact Hal Doyle at 706-951-8839 or e-mail [email protected]

What is important to you, and do you need to protect it?

We will meet with you individually to help you tailor your benefits plan to your needs.

Your benefits counselor will asked you to complete an on-line survey regarding your “enrollment experience”

All participants are entered into a drawing for a $100 American Express Gift Card

Information is available for all Colonial Policy Holders to set up an on-line account to access your Colonial information

mailto:[email protected]

Employee Benefits Communication & Education

o Final Thoughts

o Service IssuesoClaimsoRetiringoChanging jobs


What Happens Next?


Why Supplemental Insurance?

o Ask yourself, “If something happened to me TODAY, could I:o Pay my rent or mortgage?o Put food on my table?o Keep my car on the road?o Pay my bills? (especially heating and o electricity)o Provide for my children?

o Can you support or maintain your lifestyle in the face o of reducing personal assets to meet your expenses?

o Ask yourself, “If something happened to me TODAY, could I:o Pay my rent or mortgage?o Put food on my table?o Keep my car on the road?o Pay my bills? (especially heating and o electricity)o Provide for my children?

o Can you support or maintain your lifestyle in the face o of reducing personal assets to meet your expenses?


…07/01/2013

Enrollment Elections are effective …