1. Company Name
••••••••••••••••••
Annual Benefits Review
December 30, 1899
Presented By: Agent
BBVA Compass Insurance Agency, Inc.
9525 Katy Freeway, Suite 410
Houston, TX 77024
Phone - 713-461-3043/Fax - 713-461-5533
BBVA Compass Insurance Agency, Inc. is an affiliate of BBVA Compass Bank.
2. CENSUS
Company Name
City State: Zip Code:
Employee Spouse ZIP
Employee Name M/F Date Of Birth Date Of Birth # OF CHILD(REN) CITY CODE OCCUPATION SALARY
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
COVERAGE TOTALS SIC CODE /
EMPLOYEE 0 Nature of Business
EMPLOYEE / SPOUSE 0
EMPLOYEE / CHILD 0 Effective Date
FAMILY 0
TOTALS 0
BBVA Compass Insurance
05/28/2011
713-461-3043
3. Medical Market Survey - 2011-2012 Current/Renewal Options
CURRENT PLAN - CURRENT PLAN -
Medical Benefits Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Per Confinement Deductible
Hospital Services
Urgent Care Services
Emergency Room
Prescription Drugs
Monthly Rates Current Renewal Current Renewal
Employee Only 0
Employee & Spouse 0
RATES ARE AGE RATED RATES ARE AGE RATED
Employee & Child(ren) 0
Employee & Family 0
Monthly Total 0 $0.00 $0.00
Annual Total 0 $0 $0 $0 $0
% Difference #DIV/0! #DIV/0!
Notes:
•Many additinal options are available. Please request for more details
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the insurance
company is required to pay after the deductible has been satisfied, unless otherwise noted.
•Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment.
•Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the services he/she plans to receive are covered health servicesand
to determine what pre-certifications an/or notification requitements or limitations may apply.
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year
Website: www.humana.com
4. Medical Market Survey - 2011-2012 Aetna Options
RENEWAL PLAN - PLAN NAME PLAN NAME
Medical Benefits Network Non-Network Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Hospital Services
Urgent Care Services
Emergency Room
Prescription Drugs
Monthly Rates Current Renewal Standard Rate Standard Rate
Employee Only 0
Employee & Spouse 0
Employee & Child(ren) 0
Employee & Family 0
Monthly Total 0 $0.00 $0.00 $0.00 $0.00
Annual Total 0 $0 $0 $0 $0
% Difference #DIV/0! #DIV/0! #DIV/0!
15% Rate Up $0 $0
30% Rate Up $0 $0
67% Rate Up $0 $0
Notes:
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments
indicate what the insurance company pays.
•Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the services he/she
plans to receive are covered.
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
Website: www.aetna.com
5. Medical Market Survey - 2011-2012 Aetna Options (Page 2)
RENEWAL PLAN - PLAN NAME PLAN NAME
Medical Benefits Network Non-Network Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Hospital Services
Urgent Care Services
Emergency Room
Prescription Drugs
Monthly Rates Current Renewal Standard Rate Standard Rate
Employee Only 0
Employee & Spouse 0
Employee & Child(ren) 0
Employee & Family 0
Monthly Total 0 $0.00 $0.00 $0.00 $0.00
Annual Total 0 $0 $0 $0 $0
% Difference #DIV/0! #DIV/0! #DIV/0!
15% Rate Up $0 $0
30% Rate Up $0 $0
67% Rate Up $0 $0
Notes:
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments
indicate health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the services he/she
•Certain what the insurance company pays.
plans to receive are covered.
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
Website: www.aetna.com
6. Medical Market Survey - 2011-2012 Blue Cross & Blue Shield Options
RENEWAL PLAN - PLAN NAME PLAN NAME
Medical Benefits Network Non-Network Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Hospital Services
Urgent Care Services
Emergency Room (Facility/Phys. Charges)
Prescription Drugs
Monthly Rates Current Renewal Standard Rate Standard Rate
Employee Only 0
Employee & Spouse 0
Employee & Child(ren) 0
Employee & Family 0
Monthly Total 0 $0.00 $0.00 $0.00 $0.00
Annual Total 0 $0 $0 $0 $0
% Difference #DIV/0! #DIV/0! #DIV/0!
15% Rate Up $0 $0
30% Rate Up $0 $0
67% Rate Up $0 $0
Notes:
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
*Mandatory Generic (MG) - If the member or the physician requests brand when generic is available, the member pays the applicable copay plus the difference between the generic price and the brand price.
•Many additional options are available. Please request for more details.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate
what the health services haveis required torequirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the services he/she plans to
•Certain insurance company notification pay after the deductible has been satisfied, unless otherwise noted.
receive are covered health services and to determine what pre-certifications and/or notification requirements or limitations may apply.
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
Website: www.bcbstx.com
7. Medical Market Survey - 2011-2012 Blue Cross & Blue Shield Options (Page 2)
RENEWAL PLAN - PLAN NAME PLAN NAME
Medical Benefits Network Non-Network Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Hospital Services
Urgent Care Services
Emergency Room
Prescription Drugs
Monthly Rates Current Renewal Standard Rate Standard Rate
Employee Only 0
Employee & Spouse 0
Employee & Child(ren) 0
Employee & Family 0
Monthly Total 0 $0.00 $0.00 $0.00 $0.00
Annual Total 0 $0 $0 $0 $0
% Difference #DIV/0! #DIV/0! #DIV/0!
15% Rate Up $0 $0
30% Rate Up $0 $0
67% Rate Up $0 $0
Notes:
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
*Mandatory Generic (MG) - If the member or the physician requests brand when generic is available, the member pays the applicable copay plus the difference between the generic price and the brand price.
•Many additional options are available. Please request for more details.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate
what the health services haveis required torequirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the services he/she plans to
•Certain insurance company notification pay after the deductible has been satisfied, unless otherwise noted.
receive are covered health services and to determine what pre-certifications and/or notification requirements or limitations may apply.
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
Website: www.bcbstx.com
8. Medical Market Survey - 2011-2012 Humana Age Rated Options
RENEWAL PLAN - PLAN NAME PLAN NAME
Medical Benefits Network Non-Network Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Hospital Services
Urgent Care Services
Emergency Room
Prescription Drugs
Monthly Rates Current Renewal Standard Rate Standard Rate
###
###
###
###
###
###
###
###
###
Monthly Total $0.00 $0.00 ### $0.00 ### $0.00
Annual Total $0 $0 $0 $0
% Difference #DIV/0! #DIV/0! #DIV/0!
15% Rate Up $0 $0
30% Rate Up $0 $0
67% Rate Up $0 $0
Notes:
•Many additinal options are available. Please request for more details
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the
percentage copayments indicate what the insurance company is required to pay after the deductible has been satisfied, unless otherwise noted.
•Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment.
•Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the
services he/she plans to receive are covered health servicesand to determine what pre-certifications an/or notification requitements or limitations may apply.
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year
Website: www.humana.com
9. Medical Market Survey - 2011-2012 Humana Age Rated Options (Page 2)
RENEWAL PLAN - PLAN NAME PLAN NAME
Medical Benefits Network Non-Network Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Hospital Services
Urgent Care Services
Emergency Room
Prescription Drugs
Monthly Rates Current Renewal Standard Rate Standard Rate
###
###
###
###
###
###
###
###
###
Monthly Total $0.00 $0.00 ### $0.00 ### $0.00
Annual Total $0 $0 $0 $0
% Difference #DIV/0! #DIV/0! #DIV/0!
15% Rate Up $0 $0
30% Rate Up $0 $0
67% Rate Up $0 $0
Notes:
•Many additinal options are available. Please request for more details
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the
percentage copayments indicate what the insurance company is required to pay after the deductible has been satisfied, unless otherwise noted.
•Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment.
•Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the
services he/she plans to receive are covered health servicesand to determine what pre-certifications an/or notification requitements or limitations may apply.
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year
Website: www.humana.com
10. Medical Market Survey - 2011-2012 United Healthcare Age Rated Options
RENEWAL PLAN - PLAN NAME PLAN NAME
Medical Benefits Network Non-Network Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Hospital Services
Urgent Care Services
Emergency Room
Prescription Drugs
Monthly Rates Current Renewal Standard Rate Standard Rate
###
###
###
###
###
###
###
###
###
Monthly Total $0.00 $0.00 ### $0.00 ### $0.00
Annual Total $0 $0 $0 $0
% Difference #DIV/0! #DIV/0! #DIV/0!
15% Rate Up $0 $0
30% Rate Up $0 $0
67% Rate Up $0 $0
Notes:
•Many additinal options are available. Please request for more details
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the
percentage copayments indicate what the insurance com
•Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment.
•Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the
services he/she plans to receive are covered
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year
Website: www.humana.com
11. Medical Market Survey - 2011-2012 United Healthcare Age Rated Options
RENEWAL PLAN - PLAN NAME PLAN NAME
Medical Benefits Network Non-Network Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Hospital Services
Urgent Care Services
Emergency Room
Prescription Drugs
Monthly Rates Current Renewal Standard Rate Standard Rate
###
###
###
###
###
###
###
###
###
Monthly Total $0.00 $0.00 ### $0.00 ### $0.00
Annual Total $0 $0 $0 $0
% Difference #DIV/0! #DIV/0! #DIV/0!
15% Rate Up $0 $0
30% Rate Up $0 $0
67% Rate Up $0 $0
Notes:
•Many additinal options are available. Please request for more details
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the
percentage copayments indicate what the insurance com
•Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment.
•Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the
services he/she plans to receive are covered
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year
Website: www.humana.com
12. Medical Market Survey - 2011-2012 Assurant Age Rated Options
RENEWAL PLAN - PLAN NAME PLAN NAME
Medical Benefits Network Non-Network Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Per Confinement Deductible
Hospital Services
Urgent Care Services
Emergency Room
Prescription Drugs
Monthly Rates Current Renewal Standard Rate Standard Rate
###
###
###
###
###
###
###
###
###
Monthly Total $0.00 $0.00 ### $0.00 ### $0.00
Annual Total $0 $0 $0 $0
% Difference #DIV/0! #DIV/0! #DIV/0!
15% Rate Up $0 $0
30% Rate Up $0 $0
67% Rate Up $0 $0
Notes:
•Many additinal options are available. Please request for more details
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage
copayments indicate what the insurance com
•Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment.
•Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the services
he/she plans to receive are covered
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year
Website: www.assurant.com
13. Medical Market Survey - 2011-2012 Assurant Age Rated Options (Page 2)
RENEWAL PLAN - PLAN NAME PLAN NAME
Medical Benefits Network Non-Network Network Non-Network Network Non-Network
Individual Deductible
Coinsurance % Max
OOP Maximum
Family Deductible
Coinsurance % Max
OOP Maximum
Physician Office Visits
Primary Care Physician (PCP)
Specialist
Out-Patient Surgical Expenses
Lab & X-ray (CT, PET, MRI, etc)
Preventive Care (PCP/Specialist)
Hospital Care
Per Confinement Deductible
Hospital Services
Urgent Care Services
Emergency Room
Prescription Drugs
Monthly Rates Current Renewal Standard Rate Standard Rate
###
###
###
###
###
###
###
###
###
Monthly Total $0.00 $0.00 ### $0.00 ### $0.00
Annual Total $0 $0 $0 $0
% Difference #DIV/0! #DIV/0! #DIV/0!
15% Rate Up $0 $0
30% Rate Up $0 $0
67% Rate Up $0 $0
Notes:
•Many additinal options are available. Please request for more details
•Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount.
•Copays and drug copays do not count toward deductible and coinsurance percentage.
•This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage
copayments indicate what the insurance com
•Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment.
•Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participant's responsibility to confirm that the services
he/she plans to receive are covered
•There must be a minimum of 75% of the eligible employees participating on the plan.
•The employer must contribute a minimum of 50% or more of the employee only cost.
On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year
Website: www.assurant.com
14. Dental Market Options - 2011 - 2012
PLAN NAME DENTAL COMPARISON
Plan Name Plan Name Plan Name Plan Name Plan Name Plan Name
Network Non-Network Network Non-Network Network Non-Network Network Non-Network Network Non-Network Network Non-Network
Calendar Year Deductible
Family Limit
Benefit Percentage
Preventive Services
Basic Services
Major Services
Endo & Perio covered as:
Calendar Year Maximum
Rollover Amount
Orthodontia (Adult and/or Child)
Benefit Percentage
Lifetime Maximum
Non-Network Claims URC Percentile 90%
PLAN YEAR
Monthly Premium Current Renewal CARRIER CARRIER CARRIER CARRIER CARRIER
Employee Only 0 $0.00 $0.00 $0.00 $0.00 $0.00
Employee & Spouse 0 $0.00 $0.00 $0.00 $0.00 $0.00
Employee & Children 0 $0.00 $0.00 $0.00 $0.00 $0.00
Full Family 0 $0.00 $0.00 $0.00 $0.00 $0.00
Monthly Total $0.00 $0.00 0.00 0.00 0.00 0.00 0.00
Annual Total $0 $0 $0 $0 $0 $0 $0
% increase from current rates #DIV/0! #REF! #DIV/0! #REF! #REF! #REF!
15. Vision Market Options - 2011 - 2012
CARRIER VISION COMPARISON
Plan Name Plan Name Plan Name Plan Name Plan Name Plan Name
Network Non-Network Network Non-Network Network Non-Network Network Non-Network Network Non-Network Network Non-Network
Calendar Year Deductible
Family Limit
Benefit Services
Exams
Lenses
Single Vision
Bifocals
Trifocal
Lenticular
Contacts
Frames
PLAN YEAR
Monthly Premium Current Renewal CARRIER CARRIER CARRIER CARRIER CARRIER
Employee Only 0 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Employee & Spouse 0 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Employee & Children 0 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Full Family 0 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Monthly Total $0 $0 $0 $0 $0 $0 $0
Annual Total $0 $0 $0 $0 $0 $0 $0
% increase from current rates #DIV/0! #REF! #DIV/0! #REF! #REF! #REF!
16. Short Term Disability Market Options - 2011-2012
Benefit Description CURRENT PLAN GUARDIAN PRINCIPAL
Benefits Begin - Accident
Benefits Begin - Sickness
Duration of Benefits
Weekly Benefit
Definition of Disability / Own Occupation
Partial Benefit
Waiting Period (Existing/New Employee)
Pre-existing Limitation
Contributory Status
Minimum Participation
Pre-existing Limitation
Current Renewal
Volume
Rate per $10 of Covered Payroll
Monthly Total
Annual Total
% Difference From Current Cost #DIV/0! #DIV/0! #DIV/0!
17. Long Term Disability Market Options - 2011-2012
Benefit Description CURRENT PLAN GUARDIAN PRINCIPAL
Elimination Period
Benefit Percentage
Monthly Benefit Maximum
Guarantee Issue Limit
Integration
Earnings Definition
Benefit Period
Pre-existing Limitation
Subjective Illness
Definition of Disability / Own Occupation
Survivor Benefit
Mental & Nervous Limitation
Substance Abuse
Current Renewal
Volume
Rate per $100 of Covered Payroll
Monthly Total
Annual Total
% Difference From Current Cost #DIV/0! #DIV/0! #DIV/0!
18. Life and AD&D Market Survey - 2011-2012
Benefit Plan
Employee:
Spouse:
Child:
Volume $0
Carrier Life AD&D Dependent Annual Total Rate Guarantee
Current Plan $0.000 $0.000 $0.000 $0
Carrier Life AD&D Dependent Annual Total Rate Guarantee
Humana $0.000 $0.000 $0.000 $0
Carrier Life AD&D Dependent Annual Total Rate Guarantee
United Healthcare $0.000 $0.000 $0.000 $0
Carrier Life AD&D Dependent Annual Total Rate Guarantee
Guardian $0.000 $0.000 $0.000 $0
Carrier Life AD&D Dependent Annual Total Rate Guarantee
Principal $0.000 $0.000 $0.000 $0