ESBD_File_346205_Attachment E - Open Enrollment Package.pdf

What’s New for 2024

New addi�onal programs provided by United Healthcare:

• Livongo by Teledoc Health – diabetes and hypertension management program that integrates virtual health and personalized and dedicated coaches.

• Tx ACES – a clinical support program that provides market leading chronic condi�on management solu�ons.

• OnePass – gym access program, in person or digital fitness partners, member pays the monthly fee depending on fitness plan.

Plan Adjustments:

o Increase Emergency Room co-pay from $300 to $500 for non-admission.

Rediscover your passion for health

Find your fit with One Pass Select

With One Pass Select, we’re on a mission to make fitness engaging for everyone. One Pass Select can help you reach your fitness goals, while finding new passions along the way. Find a routine that’s right for you whether you work out at home or at the gym. Choose a membership tier that fits your lifestyle and provides everything you need for whole body health in one easy, affordable plan. You and your eligible family members (18+) can get started with One Pass Select on January 01, 2024.

At the gym Choose from our large nationwide network of gym brands and local fitness studios. Use any gym in the network and create a routine just for you.

At home Work out at home with live or on-demand online fitness classes. Try our workout builder to get routines created just for you, no matter what your fitness level and interests are.

In the kitchen Get groceries and household essentials delivered to your home. We make it easy to plan for everything you need to enjoy delicious, nutritious meals.

$29/Mo Classic 11,000+ gym locations

$64/Mo Standard 12,000+ gym and premium locations

$99/Mo Premium 14,000+ gym and premium locations

$144/Mo Elite 16,000+ gym and premium locations

An enrollment fee may apply

Or get started with a digital-only plan for $10/Mo

All tiers Classic or above come with grocery and home essentials delivery at no extra cost.

One Pass Select is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for them. Purchasing discounted gym and fitness studio memberships may have tax implications. Employers and individuals should consult an appropriate tax professional to determine if they have any tax obligations with respect to the purchase of these discounted memberships under this program.

This service should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. The information provided through this service is for informational purposes only. The nurses cannot diagnose problems or recommend specific treatment and are not a substitute for your doctor’s care. Please discuss with your doctor how the information provided may be right for you. Your health information is kept confidential in accordance with the law. The service is not an insurance program and may be discontinued at any time.

© 2023 Optum, Inc. All rights reserved. WF9834438 139777-022023 OHC

Enroll in One Pass Select starting on January 01, 2024.

*Eligible One Pass Select members will not be able to enroll in One Pass Select until January 01, 2024.

Learn more about One Pass Select* at OnePassSelect.com.

These services are for general informational purposes only and are not intended to be medical advice or a substitute for professional health care. You should consult an appropriate health care professional for your specific needs and to determine whether making a lifestyle change or decision based on this information is appropriate for you. Some treatments mentioned may not be covered by your health plan. Please refer to your benefit plan documents for information about coverage.

B2C EI211146475.0 1/22 © 2022 United HealthCare Services, Inc. All Rights Reserved. 21-1137353-D

A compassionate UnitedHealthcare nurse or advocate may be reaching out to offer extra support. They may be trying to contact you to help schedule appointments, enroll you in complimentary programs, help fill prescriptions and answer your questions.

We’re reaching out for a caring conversation It’s your health. Let’s connect on it.

We may be connecting with those who are:

Recovering from a hospital stay

We’ll confirm that you’ve received and understand your after-care instructions, medications, etc.

Managing a condition

We’ll reach out to provide caring assistance to those with cancer, asthma, diabetes, heart failure, kidney issues and more.

Expecting a baby

If pregnant, an experienced maternity nurse may call to provide support.

Missed our call? Call the number on your health plan ID card.

Las comunicaciones del programa Teladoc Health están disponibles en español. Al inscribirse, podrá configurar el idioma que prefiera para las comunicaciones provenientes del medidor y del programa. Para inscribirse en español, llame al 800-835-2362 o visite TeladocHealth.Com/Hola

Program includes trends and support on your secure Teladoc Health account and mobile app but does not include a phone or tablet. You must have an iPhone or Android smartphone and install the Teladoc Health app to participate in the Teladoc Health program.

This program is offered at no cost to you by your health plan or employer.

© Teladoc Health, Inc. All rights reserved. Teladoc Health marks and logos are owned by Teladoc Health, Inc. All programs and services are subject to applicable terms and conditions.

CM-MP-10E-F23-1_3606560_O2_060823_PC

Visit TeladocHealth.com/Go or call 800-835-2362.

PM019617.B

Program eligibility varies. Visit our website to learn more.

Learn more and join

Discover a one-of-a-kind approach to manage chronic conditions.

Flexible programs to improve your health on your terms

1/1/2024

Diabetes Management

A personalized way to manage diabetes.

• Receive a connected blood glucose meter

• Unlimited strips and lancets

• Tips, action plans and one-on-one coaching

• Real-time support for out-of-range readings

1/1/2024

Hypertension Management

Make managing your blood pressure easier.

• Receive a connected blood pressure monitor

• One-on-one support from expert coaches

• Personalized tips on nutrition and activity

1/1/2024

Diabetes Prevention Program

Reduce your risk of type 2 diabetes.

• Team of expert coaches to support you

• Receive a smart scale that syncs to the app

• All-in-one weight, activity and food-tracking program

1/1/2024

Weight Management

Improve nutrition, exercise and weight loss.

• Receive an advanced smart scale

• Personalized action plan

• Ongoing expert coaching

• Full nutrition, exercise and weight-loss support

© 2022 United HealthCare Services, Inc. All Rights Reserved.

Why is UHC Calling?

EI20445653.1

Presenter Presentation Notes Thank you for taking the time to learn more about your health and wellness benefits.

Dedicated Clinical Support

Complex Condition Management

• Congenital Heart Disease

• Transplant Resource Services

• Cancer Resource Services + Cancer Support Program (Referral Exhaustion)

• Comprehensive Kidney Management Program (Referral Exhaustion)

Care Management for over 100 Conditions Including, but not limited to:

• CAD, Diabetes, COPD, Heart Failure, Asthma, Cancer, and Kidney Disease

High-cost Claimant Comprehensive Referral Exhaustion

Readmission Management

Dedicated Case Management

Presenter Presentation Notes Complex Condition Management:

Congestive Heart Disease Transplant Resource Services Cancer Resource Services + Cancer Support Program (Referral Exhaustion) Comprehensive Kidney Management Program (Referral Exhaustion)

Care Management includes but is not limited to:

CAD, Diabetes, COPD, Heart Failure, Asthma, Cancer, and Kidney Orthopedic Management – outreach to high value members Over 100 conditions included

High-Cost Claimant comprehensive referral exhaustion Readmission Management Dedicated Case Management Key Leading Indicator Reporting (enhanced/monetized value)

Dedicated Clinical Support

• Use professional clinical knowledge and critical thinking to complete consumer/ member assessment, identify appropriate opportunities based on gaps in care.

• Condition and disease management education

• Medication reconciliation on each call

• Plan, implement and coordinate care, monitor progress and evaluate outcomes to develop a consumer/member centric care plan

• Outreach members who have been discharged from the hospital- review discharge instructions, ensure provider appointments are in place, address any discharge barriers, etc- with goal to prevent readmission.

• Consult with the Social Worker, Medical Director, Pharmacist, and/or other health care team members as indicated

• Refer to internal/external programs/partners, assist with locating INN providers/facilities, etc as appropriate

Get support for your precious delivery Learn steps that may help lead to a healthier pregnancy and birth, with resources and online video courses covering:

• Trimester benchmarks

• Nutrition

• Exercise

• Breastfeeding

• Postpartum

• And more

The information provided under Maternity Support is for general informational purposes only and is not intended to be nor should be construed as medical and/or nutritional advice. UnitedHealthcare makes no representation or warrant with regard to the accuracy of the information presented. If you believe that you may have any emergency medical condition you should immediately call 9-1-1. Participants should consult an appropriate health care professional to determine what may be right for them. If you have questions about the information presented or questions about health care services, supplies, or treatments, you should consult your health care provider before making any health care decisions.

Employers are responsible for ensuring that any wellness programs they offer to their employees comply with applicable state and/or federal law, including, but not limited to, GINA, ADA and HIPAA wellness regulations, which in many circumstances contain maximum incentive threshold limits for all wellness programs combined that are generally limited to 30% of the cost of self-only coverage of the lowest-cost plan, as well as obligations for employers to provide certain notices to their employees. Employers should discuss these issues with their own legal counsel.

EI20445653.1

Presenter Presentation Notes Maternity Support provides expectant mothers with information and support before, during and after pregnancy at no additional cost, as part of your health plan.

Learn steps that may help lead to a healthier pregnancy and birth, with resources and online video courses covering:

Trimester benchmarks Nutrition Exercise Breastfeeding Postpartum And more

[Presenter’s note: Members can visit myuhc.phs.pregnancy-resources for more information.]

Find support for dealing with cancer

The Cancer Support Program connects you and your family to education, resources and emotional support. Gain access to:

• Physicians and providers

• Support from a personal advocate

• Information to make informed health care decisions

• Social worker support

• And more

Disease Management programs and services may vary on a location-by-location basis and are subject to change with written notice. UnitedHealthcare does not guarantee availability of programs in all service areas and provider participation may vary. Certain items may be excluded from coverage and other requirements or restrictions may apply. If you select a new provider or are assigned to a provider who does not participate in the Disease Management program, your participation in the program will be terminated. Self-Funded or Self-Insured Plans (ASO) covered persons may have an additional premium cost. Please check with your employer.

5EI20445653.1

Presenter Presentation Notes [Presenter’s note: Cancer Support Program is used with fully insured business]

The Cancer Support Program connects you and your family to education, resources and emotional support.

Gain access to:

Physicians and providers Support from a personal advocate including clinical and psych-social support Information to help make more informed health care decisions and adhere to treatment plans Resources to help monitor compliance with medication and treatment Social workers for financial, transportation, childcare and other issues Support at end of life and impact of using hospice Survivorship services

[Presenter’s note: Members can call the toll-free member phone number on their health plan ID card or they can visit myuhc.phs.com/cancerprograms.]

2024 OPEN

ENROLLMENT

Hays County, Texas

WHAT YOU NEED TO KNOW

Now is your chance to make changes

Join us to learn more!

Welcome to Hays County’s 2024 Open Enrollment

This is your annual opportunity to make changes to your benefit plans and dependents. Changes made during open enrollment will be effective January 1, 2024.

Open Enrollment Plan Year:

January 1, 2024 – December 31, 2024

Join us at an information session to learn more about your benefits and experience multiple health opportunities!

2023 Meeting Dates: (Flu shots will be available during Open Enrollment sessions.)

Tuesday, October 24, 2023

Hays County Precinct 2 – 5458 FM 2770 Crystal Meadow Dr., Kyle 10:00 a.m. – 12:00 p.m.

Wednesday, October 25, 2023 Hays County Government Center HR, 712 S. Stagecoach Trail Suite 1063, San Marcos 9:00 a.m. – 12:00 p.m.

Tuesday, October 31, 2023 Hays County Government Center HR, 712 S. Stagecoach Trail Suite 1063, San Marcos 9:00 a.m. – 12:00 p.m.

Wednesday, November 01, 2023

Hays County Precinct 3 - 200 Stillwater Rd., Suite 106, Wimberley 9:00 a.m. – 11:00 a.m.

Thursday, November 09, 2023 Hays County Development Services - 2171 Yarrington Rd., Kyle 7:00 a.m.– 9:00 a.m.

Hays County Precinct 4 – 195 Roger Hanks Pkwy, Dripping Springs 12:00 p.m. – 2:00 p.m.

HR Employee Portal Employees NOT making benefit or dependent changes are required to indicate “no changes” on the HR Employee Portal.

Need assistance with the portal or resetting your username or password?

Contact the Payroll Office at payroll@co.hays.tx.us or call 512-393-2237.

HR Portal Link: https://esuites.co.hays.tx.us/Websites.HR.Portal/Default.aspx

HR Portal Home -> Benefit Enrollment -> Open Enrollment

Employees making changes will be required to fill out Enrollment forms. Found in Attachment B, and also available at all Open Enrollment meetings.

For assistance with Enrollment forms, please contact Isacc Ramirez at 512-393-2112; email:

isacc.ramirez@co.hays.tx.us

As a reminder, eligible dependents may also participate in your benefits plan

Your eligible dependents may also participate in Benefits Plan. An eligible dependent is:

• Your spouse – an individual to whom you are legally married.

• You or your spouse’s child who is under the age of 26 (25 for vision), including a natural child, stepchild, a legally adopted child, a child placed for adoption or a child for whom you or your spouse are the legal guardians.

• Physically or mentally disabled children of any age who are incapable of self-support. Proof of disability may be requested.

• To be eligible for benefits coverage, a dependent must reside within the United States.

mailto:payroll@co.hays.tx.us https://esuites.co.hays.tx.us/Websites.HR.Portal/Default.aspx mailto:isacc.ramirez@co.hays.tx.us

Vendor Contact Information for Supplemental Benefits

The Yarbrough Agency

Scott Yarbrough scott@theyarbroughagency.com – 512-214-8730

Debbie Casey debbie@theyarbroughagency.com – 512-214-8730

• MetLife, Dearborn Life, Texas Republic Life, Superior Vision, & Texas Life (Texas Life – no longer available for new enrollments – policies prior to January 2020 remain in effect unless canceled by the employee).

AFLAC

Stephanie Garland - Independent Agent

512-567-6190 or email at stephanie_garland@us.aflac.com

• Accident, Cancer, Hospital Indemnity, Short-Term Disability, and Critical Illness

Valic – 457(b) Deferred Compensation Plan

Michael Carter – Financial Advisor – cell: 512-820-0025 or email:

michael.carter1@corebridgefinancial.com

• Retirement planning, Valic enrollment, change contribution amount, or cease contribution at any time during employment with Hays County

United HealthCare

Carlos Medrano – Senior Field Account Manager

210-474-5432 or Email: carlos_r_medrano@uhc.com

Group #912772 www.myuhc.com Phone: 866-633-2446 mailto:scott@theyarbroughagency.com mailto:debbie@theyarbroughagency.com mailto:stephanie_garland@us.aflac.com mailto:michael.carter1@corebridgefinancial.com mailto:carlos_r_medrano@uhc.com http://www.myuhc.com/

Toll-Free: (888) 993-7650 Website: www.deeroakseap.com Email: eap@deeroaks.com

Contact Us:

Discover

EAP + Work-Life

Benefit

The Deer Oaks Employee Assistance Program (EAP) is a free service provided for you, your dependents, and household members by your employer. This program offers a wide variety of counseling, referral, and consultation services, which are all designed to assist you and your family in resolving work and life issues in order to live happier, healthier, more balanced lives. From stress, addiction, and change management, to locating child care facilities, legal assistance, and financial challenges, our qualified professionals are here to help. These services are completely confidential and can be easily accessed 24/7, offering you around-the-clock assistance for all of life’s challenges.

Employee Assistance Program

Program Access: You may access the EAP by calling the toll-free Helpline number, using our iConnectYou App, or instant messaging with a work-life consultant through our online instant messaging system.

Telephonic Assessments & Support: In-the-moment telephonic support and crisis intervention are available 24/7 along with intake and clinical assessments.

Short-term Counseling: Counseling sessions with a qualified counselor to assist with issues such as stress, anxiety, grief, marital/family challenges, relationship issues, addiction, etc.

Counseling is available via structured telephonic sessions, video, and in-person at local provider offices.

Referrals & Community Resources: Our team provides referrals to local community resources, member health plans, support groups, legal resources, and child/elder care/daily living resources.

Advantage Legal Assist: Free 30 minute telephonic or in-person consultation with a plan attorney; 25% discount on hourly attorney fees if representation is required; unlimited online access to a wealth of educational legal resources, links, tools and forms; and interactive online Simple Will preparation.

Advantage Financial Assist: Unlimited telephonic consultation with an Accredited Financial Counselor qualified to advise on a range of financial issues such as bankruptcy prevention, debt reduction, financial planning, and identity theft; supporting educational materials available; unlimited online access to a wealth of educational financial resources, links, tools and forms (i.e. tax guides, financial calculators, etc.).

Alternate Modes of Support: Your EAP offers support alternatives in addition to traditional short-term counseling including telephonic life coaching, AWARE stress reduction sessions, and virtual group counseling. During your call with one of our counselors, ask if these programs would be right for you.

Work-life Services: Our work-life consultants are available to assist you with a wide range of daily living resources such as locating pet sitters, event planners, home repair, tutors, travel planning, and moving services. Simply call the Helpline for resource and referral information.

Child & Elder Care Referrals: Our child and elder care specialists can help you with your search for licensed child and elder care facilities in your area. They will discuss your needs, provide guidance, resources, and qualified referral packets. Searchable databases and other resources are also available on the Deer Oaks member website.

Take the High Road Ride Reimbursement Program: Deer Oaks reimburses members for their cab, Lyft and Uber fares in the event that they are incapacitated due to impairment by a substance or extreme emotional condition. This service is available once per year per participant, with a maximum reimbursement of $45.00 (excludes tips).

Your

Scan the QR Code below to see the

Aflac Insurance Products

Aflac helps with expenses health insurance doesn’t cover, so you can care about everything else.*

Or, visit your benefits page at:

aflacenrollment.com/HaysCounty/Y4

5252901533

Stephanie Garland, Aflac agent Stephanie_garland@us.aflac.com

About AIG Retirement Services

The VALIC family of companies now known as AIG Retirement Services has been serving the retirement planning needs of those who serve others for more than 60 years. At VALIC Financial Advisors, Inc., we take a personal approach to retirement plans, offering customized solutions to meet your individual goals.

A financial advisor is available to meet with you wherever and whenever it's convenient for you - to discuss the financial topics that are most important to you. We are here to help guide you through the life events that may affect your financial outlook today, or in the future.

Michael Carter Financial Advisor VALIC Financial Advisors, Inc.

AIG Retirement Services

3737 Executive Center Drive, Suite 111 Austin, TX 78731

Phone:

Company Cell: 512-820-0025 Email: MICHAEL.CARTER1@aig.com

What I Can Provide As a licensed advisor with VALIC Financial Advisors, Inc., I have the experience and resources to help clients with a range of financial needs, such as:

Retirement Plan Enrollment●

Retirement Income Planning●

Cash Management & Budgeting●

Saving for College●

Saving for Retirement●

Protecting Family from unforeseen losses

Personal Information My experience and knowledge make me a valuable resource. I have been associated with the AIG Retirement Services companies since 2022. I have also been in the financial services industry for 7 years.

As an experienced financial advisor and consultant, I have a proven track record of helping clients achieve their financial goals. I specialize in developing personalized financial plans that are tailored to the unique needs and goals of each individual client.

My approach is built on a foundation of trust, transparency, and open communication, and I believe that the best way to help clients achieve their financial objectives is by working collaboratively with them.

Your Future is Calling. Meet It with Confidence.

CLICK aig.com/RetirementServices CALL 1-800-426-3753 VISIT your financial advisor

AIG Retirement Services and its affiliated companies do not provide legal, tax, or accounting advice.

Securities and investment advisory services offered through VALIC Financial Advisors, Inc. (VFA), member FINRA, SIPC and an SEC-registered investment adviser.

Annuities are issued by The Variable Annuity Life Insurance Company (VALIC), Houston, TX. Variable annuities are distributed by its affiliate, AIG Capital Services, Inc. (ACS), member FINRA. Guarantees are backed by the claims-paying ability of The Variable Annuity Life Insurance Company and are not the responsibility of AIG. VALIC, VFA and ACS are members of American International Group, Inc. (AIG).

AIG Retirement Services represents AIG member companies - The Variable Annuity Life Insurance Company (VALIC) and its subsidiaries, VALIC Financial Advisors, Inc. (VFA) and VALIC Retirement Services Company (VRSCO). All are members of American International Group, Inc. (AIG).

© American International Group, Inc. All rights reserved.

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https://www.valic.com/ https://www.valic.com/ https://www.facebook.com/valic https://www.twitter.com/valic_retire https://www.youtube.com/user/valic/

Superior Vision Services, Inc. P.O. Box 967 Rancho Cordova, CA 95741 800.507.3800 SuperiorVision.com The Superior Vision Plan is underwritten by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with

The Guardian Life Insurance Company of America, AKA The Guardian or Guardian Life NVIGRP 5-07 1014-BSv2/TX

Vision Plan Benefits for Hays County

Co-Pays Monthly Premiums Services/Frequency

Exam $10 Emp. only $8.10 Exam 12 months

Materials $10 Emp. + spouse $17.32 Frame 24 months

Contact Lens Fitting $25 Emp. + child(ren) $13.36 Contact Lens Fitting 12 months

(standard & specialty) Emp. + family $23.96 Lenses 12 months

Contact Lenses 12 months

(Based on date of service)

Benefits In-Network Out-of-Network

Exam (Ophthalmologist) Covered in full Up to $42 retail Exam (Optometrist) Covered in full Up to $37 retail Frames $100 retail allowance Up to $48 retail Contact Lens Fitting (standard) Covered in full Not covered Contact Lens Fitting (specialty

) $50 retail allowance Not covered

Lenses (standard) per pair Single Vision Covered in full Up to $32 retail Bifocal Covered in full Up to $46 retail Trifocal Covered in full Up to $61 retail Progressive lens upgrade See description

Up to $61 retail

Contact Lenses $100 retail allowance Up to $100 retail

Co-pays apply to in-network benefits; co-pays for out-of-network visits are deducted from reimbursements Materials co-pay applies to lenses and frames only, not contact lenses

The specialty contact lens fitting is for new contact lens wearers and/or a member who wears toric, gas permeable, or multifocal lenses.

Covered to provider’s in-office standard retail lined trifocal amount; member pays difference between progressive and standard retail lined trifocal, plus applicable co-pay

Contact lenses are in lieu of eyeglass lenses and frames benefit

Discount Features

Look for providers in the Provider Directory who accept discounts, as some do not; please verify their services and discounts (range from 10%-30%) prior to service as they vary.

Discounts on Covered Materials

Frames: 20% off amount over allowance Lens options: 20% off retail Progressives: 20% off amount over retail lined trifocal lens, including lens options

The following options have out-of-pocket maximums on standard

(not premium, brand, or progressive) lenses.

Maximum Member Out-of-Pocket Single Vision Bifocal & Trifocal Scratch coat $13 $13 Ultraviolet coat $15 $15 Tints, solid or gradients $25 $25 Anti-reflective coat $50 $50 Polycarbonate $40 20% off retail High index 1.6 $55 20% off retail Photochromics $80 20% off retail

Discounts on Non-Covered Exam and Materials

Exams, frames, and prescription lenses: 30% off retail Lens options, contacts, other prescription materials: 20% off retail Disposable contact lenses: 10% off retail

Discounts and maximums may vary by lens type. Please check with your provider.

Refractive Surgery

Superior Vision has a nationwide network of refractive surgeons and leading LASIK networks who offer members a discount. These discounts range from 15%-50%, and are the best possible discounts available to Superior Vision.

The Plan discount features are not insurance.

All allowances are retail; the member is responsible for paying the provider directly for all non-covered items and/or any amount over the allowances, minus available discounts. These are not covered by the plan.

Discounts are subject to change without notice.

Disclaimer: All final determinations of benefits, administrative duties, and definitions are governed by the Certificate of Insurance for your vision plan.

Please check with your Human Resources department if you have any questions.

SuperiorVision.com Customer Service

800.507.3800

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www.dearbornnational.com

1EstateGuidance® is offered by ComPsych® Corporation. EstateGuidance® is administered by ComPsych® Corporation. Fort Dearborn Life Insurance Company® does not underwrite or administer the EstateGuidance® program. This brochure is for illustrative purposes only and is not a contract.

2NEW YORK, Nov 19, 2007/PRNewswire-FirstCall via COMTEX News. Network/--Bankrate, Inc.(Nasdaq: RATE) http://investor.bankrate.com/releasedetail.cfm?ReleaseID=276290 ComPsych® Corporation is an independent organization and not affi liated with Dearborn National. ComPsych® does not provide insurance products of any kind.

Products and services marketed under the Dearborn National™ brand and the star logo are underwritten and/or provided by Fort Dearborn Life Insurance Company® (Downers Grove, IL) and certain of its affi liates. Fort Dearborn Life Insurance Company® offers insurance products in all states (excluding New York, where it is not licensed and does not solicit business), the District of Columbia, the United States Virgin Islands, the British Virgin Islands, Guam and Puerto Rico. Product features and availability vary by state and company, and are solely the responsibility of each affi liate.

Online will preparation is a value-added service with your group life insurance coverage from Fort Dearborn Life Insurance Company® (a Dearborn National™ brand company). The service provides you the ability to simply and quickly create a standard will that meets your needs and is valid in all states— free of charge. Known as the EstateGuidance®1 program, the service can be accessed online at your convenience.

WHY IS IT IMPORTANT TO HAVE A WILL?

A will is one of the most important legal documents you will ever sign. Upon your death, it controls who gets your property, who will be the guardian of your children and who will manage your estate.

A poll by Bankrate, Inc., found that 69% of parents with children under the age of 18 don’t have a will— yet 88% of them said they believe a will is important in order to appoint guardians2.

Without a will, state laws will determine who gets your property. In most states, your property may be divided among your spouse and children. If you do not have immediate family, your property may be distributed to other family members or next of kin.

If the court cannot fi nd your next of kin, then the property goes to the state. A will is a legal document that states how you want your property to be distributed rather than having a court decide for you.

EASE THE COSTLY AND TIME-CONSUMING

BURDEN OF PROBATE

Probate is a required legal proceeding in which a court determines how property will be divided.

If you do not have a will the court will appoint an administrator and charge a fee for doing so. This may take a long time and cost a signifi cant sum of money. While a will does not preclude probate, it can reduce time, expense and undue stress upon your loved ones.

CREATE YOUR WILL TODAY!

1. Go to www.dearbornnational.com

2. Click the “Individual” tab

3. Under “Online Services,” click on “Online Will

Preparation”

4. Read the brief overview and click on “Go To

EstateGuidance”

5. On the EstateGuidance login page, enter the code: fdlwill

Creating a will is as easy as 1-2-3

CREATE YOUR OWN WILL ONLINE

How can you have peace of mind that in the event of your death, your property will be distributed according to your wishes? Or your children will be cared for by those you choose? The answer is by having a will.

For employee distribution.

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The ComPsych® EstateGuidance® three-step process makes it fast and easy to prepare a will:

1. Complete the Will Questionnaire by going to www.dearbornnational.com.

Simply answer a series of straightforward questions about your unique situation.

2. We Prepare Your Will

EstateGuidance® will prepare your will online using its advanced technology. You can rest assured that your document will be properly formatted and tailored to your particular needs.

3. Then Print and Review

All you need to do is print and review your will, which you can access immediately online.

WHY CHOOSE ESTATEGUIDANCE® TO WRITE

YOUR WILL?

Experience you can trust. EstateGuidance® services are provided through Fort Dearborn Life Insurance Company by ComPsych®, the world’s largest provider of global employee assistance programs.

Excellent customer service. ComPsych’s knowledgeable and friendly customer support professionals are available to answer your questions.

Safe and confi dential. You get the protection of Verisign, a secure encryption system.

Other legal documents available. You can purchase additional legal documents—such as a living will to make advance decisions about life support or to appoint someone else to make the decision for you—from a reputable source at an affordable price.

MAKING A WILL HAS NEVER BEEN EASIER,

AND IT’S FREE. DO IT TODAY.

WITHOUT A WILL, THE COURTS—NOT YOU—

DECIDE WHAT HAPPENS TO YOUR ASSETS

AND YOUR CHILDREN.

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Products and services marketed under the Dearborn National™ brand and the star logo are underwritten and/or provided by Fort Dearborn Life Insurance Company® (Downers Grove, IL) and certain of its affi liates. Fort Dearborn Life Insurance Company® offers insurance products in all states (excluding New York, where it is not licensed and does not solicit business), the District of Columbia, the United States Virgin Islands, the British Virgin Islands and Guam. Product features and availability vary by state and company, and are solely the responsibility of each affi liate.

KEY SERVICES

Medical Search and Referral — EA will assist you in fi nding physicians, dentists, and medical facilities.

Medical Monitoring — During the course of a medical emergency, professional case managers, including physicians and nurses, will monitor your case to determine whether the care is appropriate or if evacuation/repatriation is required.

Medical Evacuation/Return Home — In the event of a medical emergency, when a physician designated by EA determines that it is medically necessary for you to be transported under medical supervision to the nearest hospital or treatment facility or be returned to your place of residence for treatment, EA will arrange and pay for the transport under proper medical supervision.

Traveling Companion Assistance — If a travel companion loses previously-made travel arrangements due to your medical emergency, EA will arrange for your traveling companion’s return home.

Dependent Children Assistance — If any dependent children under the age of 16 traveling with you are left unattended because you are hospitalized, EA will arrange and pay for their economy class transportation home. Should transportation with an attendant be necessary, EA will arrange for a qualifi ed escort to accompany the children.

Visit by Family Member/Friend — If you are traveling alone and must be or are likely to be hospitalized for seven consecutive days, EA will arrange and pay for round trip transportation for one member of your immediate family, or one friend designated by you, from his or her home to the place where you are hospitalized.

Return of Mortal Remains — In the event of your death while traveling, EA will arrange and pay for all necessary government authorization, including a container appropriate for transportation and for the return of the remains to place of residence for burial.

Replacement of Medication and Eyeglasses — EA will arrange to fi ll a prescription that has been lost, stolen or requires a refi ll, subject to local law, whenever possible. EA will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription refi ll, etc.

are your responsibility.

Emergency Message Relay — Emergency messages can be relayed to and from friends, relatives and business associates.

YOUR GUIDE TO SAFE TRAVEL

Europ Assistance USA, Inc. (EA) is a 24-hour emergency service that can help you access emergency assistance when you are traveling 100 or more miles away from home. EA is there when a crisis strikes. More than 850,000 multilingual service professionals stand ready to assist you in more than 200 countries and territories worldwide.

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Emergency Travel Arrangements — If appropriate, EA will make new travel arrangements or change airline, hotel, and car rental reservations.

Emergency Cash — EA will advance up to $500 after satisfactory guarantee of reimbursement from you.

Any fees associated with the transfer or delivery of funds are your responsibility.

Locating Lost or Stolen Items — EA will assist in locating and replacing lost or stolen luggage, documents, and personal possessions

Legal Assistance/Bail — EA will locate an attorney and advance bail bond, where permitted by law, with satisfactory guarantee of reimbursement from you.

(You pay attorney fees.)

Interpretation/Translation — EA will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents.

Pre-Trip Information — EA offers a wide range of informational services before you leave home, including: Visa, Passport, Inoculation and Immunization Requirements, Cultural Information, Temperature, Weather Conditions, Embassy and Consulate Referrals, Foreign Exchange Rates, Travel Advisories.

ELIGIBILITY:

When am I eligible for these services?

You, your spouse or domestic partner and dependent children who receive coverage from Fort Dearborn Life Insurance Company® (a Dearborn National™ brand company) are eligible for this service once your coverage has been verifi ed. Pre-trip informational services are available at any time. All other services take effect when you are on a trip 100 miles or more from home lasting 90 days or less.

Who is responsible to pay for these services?

After your coverage has been verifi ed, EA will arrange and pay for the following subject to the policy limits and guidelines:

▲ Emergency Evacuation: $150,000 Combined Single Limit (CSL)

▲ Medically Necessary Repatriation: Included in

CSL

▲ Repatriation of Remains: Up to $15,000

If traveling alone:

▲ Visit of Family Member or Friend: Up to $5,000 ▲ Return of Dependent Children under Age 18: Up to $5,000 ▲ Return of Vehicle: Up to $2,500

All Travel Assistance Services must be provided by EA USA. There are no claim reimbursements provided under this Travel Assistance Program. If EA is unable to verify your coverage, you must provide proper guarantee of payment prior to EA incurring third party expenses.

CONDITIONS AND EXCLUSIONS

EA shall not provide services enumerated if the coverage is sought as a result of: suicide or attempted suicide; intentionally self-infl icted injuries; participation in any war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not) or civil war, rebellion, revolution, and insurrection, military or usurped power; participation in any military maneuver or training exercise; traveling against the advice of a physician; traveling for the purpose of obtaining medical treatment; traveling in any country in which the U.S. State Department issued travel restrictions; piloting or learning to pilot or acting as a member of the crew of any aircraft; mental or emotional disorders, unless hospitalized; being under the infl uence of drugs or intoxicants unless prescribed by a Physician; commission or the attempt to commit a criminal act; participation as a professional in athletics or underwater activities; participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering; any race;

bungee cord jumping; speed contests; spelunking or caving, heliskiing, extreme skiing; dental treatment except as a result of accidental injury to sound, natural teeth; any non-emergency treatment or surgery, routine physical examinations, hearing aids, eyeglasses or contact lenses; pregnancy and childbirth (except for complications of pregnancy); curtailment or delayed return for other than covered reasons; services not shown as covered.

The services described above currently are available in every country of the world. Due to political and other situations in certain areas of the world, EA may not be able to respond in the usual manner. EA also reserves the right to suspend, curtail or limit its services in any area in the event of rebellion, riot, military uprising, war, terrorism, labor disturbance, strikes, nuclear accidents, Acts of God or refusal of authorities to permit EA to fully provide services.

EA is not responsible and cannot be held liable for any malpractice performed by a local physician or attorney who is not an employee of EA; or for any loss or damage to your vehicle during the return of vehicle; or for any loss or damage to any personal belongings.

Fort Dearborn Life Insurance Company does not provide or insure any part of the Travel Resource Services.

TRAVEL ASSISTANCE PROGRAM

In the US and Canada call +1 (877) 715-2593 From other locations (call collect) +1 (202) 659-7807

Email OPS@europassistance-usa.com

TRAVEL ASSISTANCE PROGRAM

In the US and Canada call +1 (877) 715-2593 From other locations (call collect) +1 (202) 659-7807

Email OPS@europassistance-usa.com

THIS IS NOT A REIMBURSEMENT SERVICE—ALL SERVICES MUST BE ARRANGED BY EA.

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O U

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FI

TS

www.dearbornnational.com

Benefi ciary Resource Services is provided by Bensinger, DuPont & Associates. Fort Dearborn Life Insurance Company® does not provide or insure any part of Benefi ciary Resource Services. Legal services will not be provided for court proceedings or for the preparation of briefs for legal appearances or actions or for any action against any party providing Benefi ciary Resource Services. Legal services provided under Benefi ciary Resource Services are not intended for adversarial matters. Neither BDA nor Fort Dearborn Life Insurance Company® is responsible or liable for care or advice rendered by any referral resources.

This brochure is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the services described. Only the service agreement can provide the actual terms, coverages, services, amounts and conditions. Products and services marketed under the Dearborn National™ brand and the star logo are underwritten and/or provided by Fort Dearborn Life Insurance Company® (Downers Grove, IL) and certain of its affi liates. Fort Dearborn Life Insurance Company® offers insurance products in all states (excluding New York, where it is not licensed and does not solicit business), the District of Columbia, the United States Virgin Islands, the British Virgin Islands and Guam. Product features and availability vary by state and company, and are solely the responsibility of each affi liate.

HELPING YOUR BENEFICIARY AFTER

THE CLAIM IS PAID

The loss of a loved one is never easy. Not only will your dependents suffer emotionally, they may be forced to deal with complex fi nancial and legal issues as well.

Fortunately, your employer and Dearborn National™ understand the unique issues that often result from a loved one’s death. We now include Benefi ciary Resource Services as a value-added service with your group life coverage. This grief, legal and fi nancial counseling service offers valuable assistance for you or your benefi ciary. And it is provided by Bensinger, DuPont & Associates (BDA), one of the most successful and experienced groups in the counseling arena today.

BDA has a nationwide network of experienced professionals who can offer counseling for individuals facing diffi cult emotional, fi nancial or legal issues.

BDA’s counselors are available 24 hours a day, 365 days a year, and all calls are completely confi dential.

• Qualifi ed professionals

• BDA grief counselors hold master’s degrees, and all attorneys are licensed in their respective states. Financial consultants are Certifi ed Consumer Credit Counselors.

GRIEF, LEGAL AND FINANCIAL COUNSELING

Benefi ciary Resource Services provides unsurpassed service to help your benefi ciaries handle some of the toughest issues they may ever have to face. Services are available to:

• The benefi ciaries of an insured person who dies

• Insured people who qualify for an accelerated benefi t from a group life insurance plan

BENEFICIARY RESOURCE SERVICES

COPING WITH LOSS

Grief, legal and fi nancial counseling services provide help when it’s needed the most

BENEFICIARY RESOURCE SERVICES

1-800-769-9187

[ FOR DISTRIBUTION TO ALL EMPLOYEES ]

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EASY ACCESS

When the insured person or benefi ciary calls the toll-free number, 1-800-769-9187, a counselor will assess the individual’s needs and develop a plan to provide access to appropriate grief counseling, fi nancial counseling and/or legal services. Counselors coordinate all services and maintain confi dentiality of all information. Services include:

▲ Unlimited phone contact For one year, the insured person or benefi ciary has unlimited telephone access to the grief counselors, legal advisors and fi nancial planners in BDA’s network.

▲ Face-to-face working sessions* Five face-to-face working sessions are available to the insured person or benefi ciary. All fi ve sessions may be used with one grief counselor or legal advisor, or they may be split among the two types of counselors or advisors in geographically accessible locations.

▲ Referrals and support services Counselors may make referrals to qualifi ed grief counselors and fi nancial and legal consultants.

BDA maintains a comprehensive directory of qualifi ed and accessible professionals in the counseling, fi nancial and legal areas.

▲ Follow up Our counselors will initiate follow-up calls when deemed necessary for up to one full year from the date of initial contact.

Benefi ciary Resource Services is available for up to one year from the date the benefi ciary contacts BDA.

*May include face-to-face sessions, over-the-phone sessions or time taken for research or document preparation.

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