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LLisa Wong’s Portfolio
A portfolio demonstrating Corporate communication materials for multi-sized
companies across all industries
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CONNECTION
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TALENT • TEAMWORK • SUCCESS CONNECTION YOUR CABLEVISION

You: “He/She is another member of our team specifically
Customer: “Who is__________?”
Print
Customer: “I’m too old for that fancy investment stuff.”
You: “Are you looking for growth or additional income?”
Customer: “What are your rates?” or “Why are your rates
phrases are listed below. Put them in your own words so
transaction that your investment professional may be able
and looking, it’s easy to make the referral. Some suggested
indicate your customers are engaging in a financial
It’s important to listen to what your customers are saying.
Not much you can do with this, other than to let your staff
know you’ve planted an important seed. Because when
You: “I recommend you take five minutes with________, he/
Their comments will help you spot referral opportunities.
she might have a solution that could help increase your
s“May I introduce you to...”
Listen for these customer situations:
You: “A lot of people right now are chatting with________,
s“Can I get____________ on the phone for you right now?”
sAmerican Century
s“I just received a small inheritance.”
he/she may have a solution that could help increase your
s“My tax refund just arrived!”
s“I just received my bonus.”
concerns you? We’ll make sure_________ knows to discuss
people are concerned about is losing money, is that what
Customer: “Will__________ be FDIC insured?”
sDo mention the financial services your branch offers
sDo introduce your customers to your investment
s“I lost my job last week.”
Listen for these customer complaints:
sUBS Financial Services
s“I need a better rate of return.”
s“My taxes are too high!”
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able to help them with their need, complaint or situation
sDo talk about how the investment professional may be
s“I’m not sure what to do with this money.”
s“My mutual funds should be doing better.”
Listen for these customer needs:
appointments with your investment professional
s“My children will be off to college before I know it.”
s“I’m planning to retire soon.”
s“I’m worried that the government will get all my money
s“I hope we have enough in reserve for emergencies.”
sDon’t talk about specific investments or products
when I die.”
Step two is about looking for names on checks that
to help them with. Here are some of the names to look for
on checks:
sAIM
sCitibank
sMerrill Lynch
sMorgan Stanley
sPIMCO
sSmith Barney
Customer: “I’m already working with someone…”
until they are asked four or five times. Don’t overwhelm
the customer, but persistence pays off. Here are some
The 3-Step Referral Process
Listen
STEP
Look
STEP
Making referrals is really
Once you have identified a potential investor by listening
you are comfortable making the referral.
What to Say:
s“Can I setup a five minute chat with...”
s“Would you like to talk to...”
Do:
professional
sDo point to signs that reference the financial services
your branch offers
sDo tell your customers that the investment professional
may be able to show them ways to help build wealth,
save money and time and get more convenience.
sDo encourage your customers to call and/or set
Don’t:
sDon’t hand investment literature to anyone
sDon’t recommend investments
sDon’t refer to “Investment Advisor” but rather “a
member of our team”
Refer
STEP
(GEN-1105) as a quick reference guide.
Use the 3-Step Referral Process Card
is rather easy. There are just three simple steps. The first step is to listen, th
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Most customers typically will not sit with an advisor
common objections and questions you might encounter
and ways to answer them:
so low?”
Customer: “I think I’m looking for more income.”
income. Always a good idea to get additional information.”
Customer: “I think I’m looking for growth.”
growth over our current lobby rates.”
You: “We get that question all the time. What most
solutions for safety and guarantees.”
HANDLING OBJECTIONS AND QUESTIONS
dedicated to help you.”
You: “It’s always worthwhile to get a second opinion, and it
could just be a 5 minute chat.”
You: “Well, a lot of what__________ does is make sure
things are listed properly for your beneficiaries. It’s
definitely worth a few minutes with him/her.”
Customer: “I’m all set. No thank you.”
something changes in the client’s life – and things always
change – the customer will know that there is someone
located at their local bank that they can talk to about
financial guidance.
Now it’s up to you to make the referral!
the second step is to look, and the third step is to refer.
FOR REPRESENTATIVE USE ONLY. NOT TO BE USED WITH OR DISTRIBUTED TO THE GENERAL PUBLIC.
ANNUITIES Are Not FDIC/NCUA Insured | Are Not a Deposit | May Lose Value | Have No Bank Guarantee | Are Not Insured by Any Government Agency
The 3-Step Referral Process

on unknown. Wherever you are, New York Life is here to help. Build. Grow. Enjoy.
work in your neighborhood because we
trained financial professionals live and
and the more recent Great Recession.
markets such as the Great Depression
Maybe you want to travel the world. Or maybe you want to settle in
Print
Or maybe your destination is still unkn
Aspirations.
Dreams.
available to help create a financial
Goals.
employee resource group that acts as
Guided by our core values of financial
New York Life features a wide range
employee insurance program. Plus,
A Solution Is Within Reach
supporters of the Lesbian, Gay, Bisexual
community to network and build
(YES) program, Out Equal Workplace
and Transgender Community Center of
ones, and we’ve been doing so for our
your interests and those of your loved
of products and services to help you
We can help you identify the right mix
individual financial needs and goals.
customize a solution based on your
national transgender conference.
New York Life’s financial professionals
prepare for and meet your short- and
of insurance and financial products to
—and we’ll continue to do just that
multidimensional and based on a strong
foundation. We look at where you are
retirement, even when Social Security,
family and loved ones are covered for
š Retirement Funding Strategies—
long-term objectives.
Helping to ensure that you, your
pensions and 401(k) benefits are not
offered to same-sex couples or the
š Insurance to cover extended periods
š Longevity—Making sure your
surviving partner.1
money lasts and works for you in
š Expenses for extended periods of care
the long run.
3 Offered by properly licensed Registered Representatives through NYLIFE Securities LLC (Member FINRA/SIPC),
2 Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation)
while acting as a source of retirement
šFixed2 and Variable3 Annuities, which
for illness—Keeping a reserve for the
rising costs of caring for a partner,
if it becomes increasingly difficult
friend, parent or nonrelative, even
to afford.
and respect. New York Life recognizes
—with the same compassion, dignity
we are a mutual company that works
our prudent investment practices and
Strength, Integrity
and Humanity
strength, integrity and humanity, New
York Life is committed to protecting
clients for more than 165 years.
Holistic Approach
work with individuals to help create a
holistic financial strategy, one that is
today and help you develop a road map
to tomorrow. Along with Life insurance,
the cornerstone of any solid plan, New
York Life and its subsidiaries also offer:
of care—which can provide a safety
net to protect you and your assets;
š Guaranteed Lifetime Income*;
provide a way to accumulate savings
income; and
šMutual funds3
New York Life celebrates diversity both
operate for the short-term benefit of
Financial Strength
policyholders. Unlike some publicly
just starting out, we’re here to listen and help you clarify your financial goals.
longer-term needs and expectations
owners of the company. Simply put,
financially stable company. After all, an
understand the need to plan with a
If you’re already on your way, we’re here to help you stay on track and turn
At New York Life, we understand that everyone is an individual. If you’re
(LGBT) community may be faced with unique challenges, especially when
New York Life also knows that the Lesbian, Gay, Bisexual and Transgender
your dreams into reality.
it comes to protecting your future. Will my partner be taken care of if I pass
away? Will I outlive my retirement savings? How do I save for tomorrow?
How
retirement savings?
Will I outlive my
nt your own cozy little corner.
These are some of the solutions
strategy that’s right for you.
Understanding
Now, more than ever, individuals
insurance policy is only as good as the
company behind it. At New York Life,
an ever constant eye to the future
keep us safe and secure, even in crisis
Our primary responsibility is to our
traded companies, which may
shareholders, we are guided by the
of our policyholders, who are the
with you and for you.
* The New York Life Lifetime Income Annuity is issued by New York Life Insurance and Annuity Corporation
(NYLIAC). (a Delaware Corporation.) Guarantees are based on the claims-paying ability of the issuer.
1 Ben Furnas and Josh Rosenthal, “Benefits Denied,” Center for American Progress, March 3, 2009,
www.americanprogress.org/issues/2009/03/benefits_denied.html
A Licensed Insurance Agency, 51 Madison Avenue, New York, NY 10010
do I save for tomorrow?
www.newyorklife.com/lgbt
Will my partner be taken
care of if I pass away?
At New York Life, we’re in the business
of building lifelong relationships. Our
believe you deserve undivided personal
and professional attention.
A Champion of Diversity
globally and locally. We strive to serve
all people—regardless of their race,
creed, gender or sexual orientation
domestic partnerships in our own
we have established NYLPRIDE, an
a forum for the company’s Lesbian,
Gay, Bisexual and Transgender
understanding. We’re also proud
New York’s Youth Enrichment Services
Advocates’ annual summit and a
We believe it’s not about labels. We’re
here to help people help themselves
for years to come.
The Company You Keep®
Dreams.
Aspirations.
Goals.
Meeting the Needs of the LGBT Community
It’s Up to You.
Customized Solutions for Your Individual Needs

?
?
Print
4
Help Repair the Income Damage Caused by a Downturn in the Market
income for life. The piece also details how assets are not subject
A sales idea that shows how a New York Life Lifetime Income
Annuity with a joint life with cash refund payment option can
produce more income using fewer assets and can guarantee
to market volatility.
NEW YORK LIFE LIFETIME INCOME ANNUITY
If you are supplementing your retirement income with assets that are invested in market sensitive
products, a prolonged downturn in the market can potentially devastate a lifetime of savings, which can
impact your retirement needs.
Help Repair the Income Damage
Caused by a Downturn in the Market
3 CDs are accumulation vehicles and are FDIC insured up to $250,000, while fixed income annuities are payout vehicles and the guarantee is backed by the financial strength of the insurance company that issues the annuity.
1This example is hypothetical and intended for illustrative purposes only and is not indicative of the actual performance of any particular product. Past performance is not indicative of future results.
2 Average five year CD rate according to bankrate.com as of 7/9/09.
The Johnsons are a 75-year old couple1 whose brokerage account decreased from $600,000 to $400,000 in just one year
due to a market downturn. Anxious and frustrated, because they used this account for income, they are considering
pulling their money out of their equity-based investments and putting it into a Certificate of Deposit (CD) earning 3%2,
which could generate $12,000/year in pre-tax interest income.
Though CDs are generally considered safe from market volatility, they are not designed as income generators. The Johnsons’
financial professional suggests a different approach to generate guaranteed income: a Joint Lifetime Income Annuity.3
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$600,000
$400,000
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that clients may face when trying to plan for retirement income. The
guide should be used in conjunction with the Retirement Income
Challenges Cards. Approved for Client use.
The Anatomy of Income
This piece shows the makeup of Lifetime Income Annuity payments
and a chart explaining Total Lifetime Income Annuity Payouts.
LIA-1007
A Lifetime Income Annuity1is an effective generator of income. It can provide high levels of guaranteed payments that
cannot be outlived. In fact, it would be difficult to find another investment that can offer the amount of income that a
Lifetime Income Annuity produces, coupled with its high level of security and stability.
All Income is not alike.
The answer can be found by looking at the “Anatomy of Income”. There are three components that make up the
payments an annuitant receives. The ratio of the components will change over time, but each is an important segment
So how can a Lifetime Income Annuity provide the attractive levels of income it does?
of the income payments.
Lifetime Income Annuity payments are comprised of:
Annuity, premiums paid by those who die
earlier than expected contribute to gains of
What is Mortality Credit?
The mortality credit is also known as the
mortality yield. With a Lifetime Income
to survivors than could be achieved through
individual investments outside of the pool.
the overall pool and provide a higher credit
The Anatomy of Income
of Income
Anatomy
Each payment includes income that is
directly linked to the current age of the
annuitant. This portion is known as
mortality credit.
There is a portion of each payment
that comes from interest earned from
2.Interest
the insurance company’s investment
of premiums.
Each payment includes the return of
a portion of the original investment
made by the policy owner.
1. Return of Premium
3.Mortality Credit
1Issued by New York Life Insurance and Annuity Corporation (a Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. Guarantees are based on the
claims-paying ability of the isuer.
LIA-1009
Value Add/Sales Ideas
Turning Lazy Assets into Income for Life
Sales idea explaining how assets from a fixed deferred annuity can
We believe there is a simple approach to retirement and
we call it The 2-Step Processfor Retirement Income.
be rolled into a Lifetime Income Annuity, generating guaranteed
lifetime income to cover basic and discretionary expenses.
of generating income later on. FDAs can be an effective vehicle for asset accumulation because of their safety and the ini-tial
You may have purchased a Fixed Deferred Annuity (FDA) several years ago to help save for retirement, with the intention
The assets from a Fixed Deferred Annuity (one that is beyond its surrender period) can be annuitized to generate income,
but is that really the best option? Another strategy is to roll those assets into a New York Life Lifetime Income Annuity.1
guaranteed interest rates they provide; they can also be annuitized to produce income.
When these annuities are beyond their guaranteed interest rate years however, and past their surrender charge period,
Older annuities may be a source of assets from which to generate
retirement income.
the interest they provide may be minimal and unattractive. Therefore, if the need for more retirement income exists,
these “lazy” assets may be a consideration to help generate that income.
Turning Lazy Assets Into Income for Life
paying
claims the on based are Guarantees 10010. NY, NY, Avenue, Madison 51 Company, Insurance Life York New of subsidiary owned wholly a Corporation, Annuity and Insurance Life York issuer.
New the by of Issued ability 1 A sales idea that gives an overview of the Lifetime Income Annuity
along with hypothetical illustrations on various payouts.
The 4 P’s
You can accomplish this with the New York Life Lifetime
Income Annuity, issued by New York Life Insurance and
Annuity Corporation (A Delaware Corporation). The New
of lifetime income. Then, pay for discretionary expenses
with income from investments, supplemented by a
sustainable withdrawal rate from assets, as needed.
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that they may not fully comprehend, including longer life
expectancy, inflation, market uncertainty, rising health
such as 401K(s) and IRAs. As this shift occurs, retirees
find themselves facing retirement income challenges
To fully enjoy retirement, it’s important to manage your
entire financial picture — income, assets and expenses.
Responsibility for managing these finances is shifting,
particularly for retirement income.
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We believe there is a simple formula for a successful retirement. This approach will help ensure that you
maximize your retirement income and spend your time enjoying your retirement instead of worrying about
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LIA-1129
5
NEW YORK LIFE LIFETIME INCOME ANNUITY
Retirement Income Challenges Brochure
This guide offers an overview of some of the risks and challenges
Retirement Income Challenges Cards
These are a great interactive tool for clients to use with Reps to help
rate their perceived retirement risks. Approved for Client use.
LIA-1106
LIA-1124
Cover Your Basic Expenses in Retirement
This piece demonstrates how Guaranteed Lifetime Income can help
clients fill any retirement income gap. Ideal for use with clients whose
only current source of income is Social Security or a small pension.
A Simple Approach to Retirement
First, pay for basic expenses with guaranteed sources
Review the plan annually and make adjustments based
on changing needs and changing market conditions.
To learn how the New York Life Lifetime Income Annuity
can help you pay for your basic living expenses, speak to
Your current sources of guaranteed income may include
Social Security and a pension. On average, Social
Security accounts for only a small percentage of your
Are Social Security
and Your Pension Enough?
work income. If your Social Security benefits and
pension aren’t enough to pay for all of your basic
expenses, you may need to convert some of your
assets into guaranteed income to help pay your basic
expenses and maintain a comfortable retirement.
York Life Lifetime Income Annuity offers guaranteed,*
steady income that you cannot outlive. You’ll have peace
of mind knowing your income is guaranteed for life, no
matter how long your retirement lasts.
Get Started
your Representative today.
Cover Your Basic Living Expenses
in Retirement
Company,
Insurance Life York New of subsidiary owned Corporation.
wholly a Anuity Corporation), and Insurance Delaware Life A York (Corporation, New of ability Annuity paying and Insurance claims-the Life on York based New are by issued guarantees is Al Annuity 10010. Income NY York, Lifetime New Life Avenue, York New Madison The 51 *Does Your Retirement Income Strategy Have What it Takes?
Details the 2-Step Process for Retirement Income, which helps cover
clients’ basic and discretionary expenses in retirement.
This piece also contains “The 2-Step Process Worksheet”.
LIA-1015
Does Your Retirement Income Strategy
Have What it Takes?
Our Approach to Retirement Income
your finances. We call this approach the 2-Step Processfor Retirement Income.
Managing Your Retirement
Traditionally, retirees relied on guaranteed income
streams, such as pensions from employers and Social
Security benefits from the federal government. Income
from personal savings was often just a small portion of
overall retirement income.
These days, retirees are bearing the burden of
generating income from their own retirement savings
care costs and withdrawal rates.
Fortunately, New York Life Insurance Company
can help make it easier.
LIA-1017
Value Add/Sales Ideas
FOR INTERNAL USE ONLY
New York Life Annuities are issued by New York Life Insurance and Annuity Corporation (NYLIAC) (A Delaware Corporation) a wholly-owned subsidiary of
New York Life Insurance Company, 51 Madison Ave, New York, NY 10010.
MARKETING MATERIAL
RESOURCE GUIDE
ANNUITIES Are Not FDIC/NCUA Insured | Are Not a Deposit | May Lose Value | Have No Bank Guarantee | Are Not Insured by Any Government Agency

Print
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no cash surrender value, and no withdrawals are permitted prior to the
income start date. Income payments are guaranteed at least as long as
Rollovers, Roth IRAs, Inherited IRAs, and Inherited Roth IRAs)
Minimum initial
$5,000. A premium payment of over $1 million requires a
large-case questionnaire and prior New York Life Insurance
r Allows most policyowners to have initial income start lower,
Annual Increase Option
retirement.
means in
So you can do more of what matters.
Just the facts about the New York Life...
Guaranteed Future Income
Annuity II1
New York Life Insurance and Annuity Corporation (NYLIAC)
(A Delaware Corporation), a wholly owned subsidiary of
New York Life Insurance Company1
Issuing
company
A deferred income
annuity that
guarantees income
payments—
a chosen waiting
period—for as long
beginning after
as you live.
Product type A flexible premium deferred income annuity that provides
a stream of income payments guaranteed for the life or
lives of the annuitant(s), beginning on a date chosen by
the policyowner.
Issue
ages
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r least five calendar years before the calendar year in which
income payments start, and can be within the deferral period.
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premiums

1 Guarantees are subject to contract terms, exclusions, and limitations,
the annuitant is living, provided the annuitant is alive on the designated
income start date.
Just the facts about the New York Life...
Guaranteed Period Income
Annuity II1
New York Life Insurance and Annuity Corporation (NYLIAC)
(A Delaware Corporation), a wholly owned subsidiary of
New York Life Insurance Company1
Issuing
company
An immediate
annuity that
guarantees income
payments for a
chosen period
of time.
Issue
ages2
annuitants)
primary (policyowners to Available Qualified: 89
18-ages r Roth IRA of any amount in place for at least five calendar
years before the year in which income payments start.
Some options may not be available at certain ages.
Markets Non-qualified and Qualified (e.g., IRA Rollovers, 401(k)
premium
and Annuity Corporation approval.
Income
periods
5-19 years
Special
features
r Policyowner must be at least 59½ at the time of first payment.
but payments increase each year by any whole number
percentage from 1% to 10% (depending on percentage
chosen) for the life of the policy. Structuring payments this
way may help neutralize the impact of inflation as living
expenses increase over time.
1 Guarantees are backed by the claims-paying ability of the issuer. Products
r Must be elected at issue.
Income Annuity II before you reach age 59½ will be subject to a 10%
penalty tax, absent an applicable exception. New York Life will report to
2 Any distributions you receive from a New York Life Guaranteed Period
available in jurisdictions where approved.
the IRS distributions received before the owner reaches age 59½ as being
subject to the 10% penalty tax if the policy is either (a) a Traditional IRA or
(b) a non-qualified policy acquired in a Section 1035 exchange. You should
speak with your tax advisor if you are considering purchasing this product
before reaching age 59½.
Steadily growing,
safe and secure.
Financial values your future can count on.

Print
NEW YORK LIFE
FIXED ANNUITY PRODUCT GUIDE
ANNUITIES Are Not FDIC/NCUA Insured Are Not a Deposit May Lose Value Have No Bank Guarantee Are Not Insured by Any Government Agency
FOR REPRESENTATIVE USE ONLY. NOT TO BE USED WITH OR DISTRIBUTED TO THE PUBLIC.
NEW YORK LIFE
FIXED ANNUITY PRODUCT GUIDE
ANNUITIES Are Not FDIC/NCUA Insured Are Not a Deposit May Lose Value Have No Bank Guarantee Are Not Insured by Any Government Agency
FOR REPRESENTATIVE USE ONLY. NOT TO BE USED WITH OR DISTRIBUTED TO THE PUBLIC.
Help Your Clients Plan for the Future TODAY...
...with the New York Life Secure Term MVA Fixed Annuity II*
from New York Life Insurance and Annuity Corporation
For Financial Advisor Use Only
* A Market Value Adjustment (MVA) is a positive or negative adjustment to the policy’s accumulation value or the amount received in a withdrawal, when
a partial withdrawal or full surrender is made during the surrender charge period and the withdrawal or surrender exceeds the policy’s surrender charge
free withdrawal amount. Refer to the New York Life Secure Term MVA II Fact Sheet for more information.

As part of EdisonLearning’s commitment to wellness, we offer comprehensive programs to
assist you in managing your health in simple, convenient, and cost-effective ways. By thinking
preventively, you can take care of small medical issues before they develop into larger, more
asthma, diabetes, coronary artery disease, and others. You’ll work with a specially-trained
nurse to develop a personal health plan. You’ll also receive ongoing information and support
•Disease Management Program—designed to help you manage critical conditions, such as
clinics, counselors and doctors; monitor your treatment progress; and help resolve problems or
you or a loved one is diagnosed with cancer. Call 866-936-6002 to speak with experienced
cancer nurses about all aspects of treatment and care, including whether or not to get a
second opinion.
•Cancer Resource Services—a toll-free hotline devoted to answering your questions when
professionals and customized pregnancy and childbirth education material and resources.
concerns you may have with your treatment. To learn more, visit www.liveandworkwell.com.
support for a wide range of personal issues. In addition to answering questions about mental
anxiety, anger management, marital conflicts, grief and/or substance abuse. Call 800-511-3920
•Employee Assistance Program (EAP)—a free and confidential program available 24 hours a day,
•Healthy Pregnancy Program—offers you free, personalized support through all stages of
health and substance abuse concerns, UBH can also provide names of nearby participating
• United Behavioral Health—a 24-hour telephone referral service that provides confidential
7 days a week. When you call the EAP, you’ll reach an experienced specialist who will provide
you with a referral or connect you with a counselor who can help you with issues such as
Print
•Online programs to help you achieve your health and wellness goals; and
•Comprehensive library of health and wellness articles.
Choose Well...
2010 Open Enrollment
pregnancy and delivery. Features include toll-free access to experienced healthcare
YOUR ONL INE GUIDE
▲
Click here to begin
21
▲
▲
You can click on any of these sections for specific information...
About Your Benefits
About Your Benefits
Back to
Contents
Contents
Back to
▲
Wellness
Details
Enroll
▲How to
Information
Contact
▲
▲Prevention
▲Plan-Specific
Eligibility
Benefits
▲
▲Things to Know
Short on Time?
Mental Health and Work/Life Balance Programs
or log on to www.members.mhn.com. Access code is edisonsch.
– POS 15 members:$150 per hospital admission copay will be waived.
Pregnancy and Childcare
•Source4Women—a website that addresses women’s healthcare needs through a uniquely
• Personal health record, which enables you to keep track of all your health conditions,
myuhc.com features a vast range of information and tools to help you live the best life
•Register for the waived copay (POS 15) or credit (HRA) by calling 866-322-0887.
•Join Healthy Pregnancy Program by going to www.healthy-pregnancy.comor
–HRA Members:$150 will be added to your HRA balance.
newnew!
newnew!
Two Things You Must Do
call 800-411-7984.
possible. In addition to the resources listed above, you can also log on to find:
myuhc.com—A Wealth of Tools and Resources
medications, procedures, and lab results;
•Health improvement tools;
20
▲
▲
▲
Prevention
Wellness
Plan-Specific
Details
Enroll
▲How to
Information
▲Contact
▲
▲
Benefits
Eligibility
▲
▲Things to Know
Wellness Programs, Tools and Resources
costly and potentially serious problems.
Medical Programs and Services
by phone. Call 866-633-2446 for more details.
•Health Assessment Personalized Report—a free and confidential, 20-minute survey about
your current health and lifestyle. When completed, the Health Assessment can tell you if
you’re facing potential health risks, which you can then discuss with your doctor. Go to
www.myuhc.com.
female perspective. Offering real answers in plain, easy-to-understand language, you’ll find
information about topics such as Arthritis, Infertility, Breast Cancer, Eating Disorders,
Menopause Perimenopause, Multiple Sclerosis, Osteoporosis, Endometriosis, Pre-menstrual
Syndrome, and many others. Go to http://www.uhc.com/source4women.
Short on Time?
You can click on any of these sections for specific information...
newnew!

Is one or both FSAs right for you in 2009? Use the chart below
locations with this technology, which includes most network
at approved locations. The IRS mandates that certain providers
Print
2009U.S. Employee Benefits
We recognize that different people have different benefit needs. For 2009, you MUST make a separate election for vision
and medical coverage; they are no longer “bundled” together for the same premium.
8 |2009 Actavis Benefit Plans
schools, summer day camps and after-school
Here is a snapshot of
2009 Benefit Plans
are to you, especially in these difficult times. We’ve researched
•New Optional Life
security, while allowing you the flexibility to choose coverage
employee education session at your work location. You’ll find
Coverage that varies
Please take a few minutes to learn about what’s new in 2009
and Dismemberment, Business Travel Accident Insurance and
Company-paid benefits, including Basic Life, Accidental Death
for your Enrollment Kit,
detail, in late October.
All employees MUSTactively enroll for 2009 benefit coverage
Please read on for more
coverage choices under the Optional Life Insurance program.
enhanced health and wellness features, and a wider range of
our business. For 2009, we’re enhancing our benefit plans to
the market place to ensure the plans we offer are competitive
excludes nursing home care and overnight care
disabled, tax-qualified dependent. (Note:
• Care provided for your eligible elderly or
Health Care FSA Dependent Care FSA
Flexibility
in2009
for domestic partner expenses.) And, if you enroll in the Health
Care FSA, you will receive a FlexDirect debit card. Once you
pharmacies and healthcare providers, can accept your
income. (Please note, the FSAs do not provide reimbursement
for out-of-pocket, eligible healthcare and/or dependent care
activate this card, you may use it to conveniently pay for
exceeds the RC allowance, in addition to the deductible and
and supportive of our employees’ needs as well as those of
• Prescribed tobacco cessation aids and programs
to help you quit smoking and treat withdrawal
• Expenses that exceed the plan limit or allowance
that are not covered by health insurance
Dental PPO Plan In-Network Coverage Out-of-Network Coverage*
use an in-network dentist. When you use an out-of-network
Spending Accounts (FSAs), offering a tax savings. You can pay
(RC) allowance. You must pay the dentist any amount that
administered by Aetna. You may choose any eligible dental
provider, but you benefit from discounted fees when you
Actavis provides dental coverage under a Dental PPO Plan
Dental Plan
November 14, 2008, your Actavis benefits will be limited to
Any account balance remaining after your 2009 expenses are paid will be forfeited.
by reading your enrollment materials and attending an
and
Care) expenses.
Health (eligible 502 Publication and qualifications see govand FSA for irs.www.Care) visit Dependent or FORM (503 TAX-800-Publication 1-Call More: Learn Submit Claims By: All eligible claims must be submitted to ADP for reimbursement by June 30, 2010.
Incur Expenses By: You must incur eligible expenses between January 1, 2009 and March 15, 2010.
participate.
over.
to year carry each not will Enrollment election FSA Open year’s during previous enroll Your must You By: Enroll Class IV: Orthodontia Services 50% after deductible 50% after deductible
($2,500 if married and filing taxes separately)
Class III: Major Restoration Services 50% after deductible 50% after deductible
Class II: Basic Restoration Services 75% after deductible 75% after deductible
Annual Calendar Year Deductible $50 single/$150 family $50 single/$150 family
Class I: Preventive Services 100%, no deductible 100%, no deductible
You may also visit www.adp.com for more details about the FSAs.
Auto-Reimbursement: Yes, for in-network medical, dental and No
Lifetime Maximum for Class IV $3,000 per covered person
Annual Maximum for Classes I, II, and III $1,500 per covered person
Fillings, Root Canal Therapy and Oral Surgery
Oral Exams, Routine Cleanings (two per year)
and X-rays
Surgical Extractions of Impacted Teeth
Crowns, Dentures and Bridges and
(Does not apply to Orthodontia)
Actavis provides employees with the opportunity to participate
each year in Health Care and/or Dependent Care Flexible
2009 Benefits at A Glance
*Out-of-network charges subject to Reasonable and Customary (RC) allowance.
provider, your cost is based on the Reasonable Customary
your coinsurance.
9| 2009 Actavis Benefit Plans
Flexible Spending Accounts (FSAs)
expenses with pre-tax dollars, which also lowers your taxable
certain FSA expenses—including network doctor’s office visit
Estimate Your Eligible Expenses:
Choose How Much to Contribute: $120 to $5,000 per year $120 to $5,000 per year
No
claims
vision Yes Card: FlexDirect • Deductibles, copays and coinsurance for medical,
prescription drug, dental and vision care, which
are not covered under any health plans
for covered services
• Over-the-counter medications used to treat
personal injuries or sickness and nicotine
gum/patches for smoking cessation
• Child care centers, private providers, nursery
care provided for your eligible dependent
(children up to age 13)
in a live-in facility)
copays, over-the-counter medications and prescription drugs
must implement technology that separates eligible from
ineligible FSA expenses right at the cash register. Only
FlexDirect Card.
to help you find out.
Your Actavis Benefit Plans
At Actavis, we know how important comprehensive benefits
provide greater choice and flexibility, along with discounts and
tax savings opportunities. You’ll see new medical, dental and
vision vendors, a choice of three medical plan options with
during Open Enrollment, which takes place November 3
through November 14, 2008.If you do not enroll by
Short- and Long-Term Disability coverage.
the Actavis Benefit Plans provide a solid level of financial
that meets your personal needs and budget.
More Choice
and
Highlights of Your
what’s new for 2009.
information, and watch
which contains more
•New Medical, Dental
and Vision vendors
•Prescription Drug
based on your Medical
Plan election
coverage options
FinancialTip:
Your Actavis Benefit Plans
Enrollment Guide
Offering You Choice and Flexibility

the Same Great Coverage and Better Programs
two! Justaskyourdoctortowritea90-daysupplyprescription(ingenericform
of a60-daysupplyfroma retailpharmacy –that’sthree monthsfortheprice of
receive uptoa 90-daysupplyofmedicine throughMedco byMailforthe cost
Buy2prescriptions, get1FREE with MedcobyMail.Use thishomedelivery
ageneric formofyourcurrentpreferredbrandprescription(s)isavailableand
Pay less foryour prescriptionsbyswitchingtogenerics.Yourgeneric drug
servicefor prescription drugsyoutakeregularly,including oralcontraceptives
Print Aspartofour duediligence, wesearchedthemarketplace tofindahealthcarecompanywith abroadrange of affordable,
•Aetna hasa vastnationwidenetworkofdoctors,specialists andother providerswithin itsChoicePOSII network.
•You’llhaveaccesstoalargerselection of wellnessand healthcaremanagementprogramsdesignedtohelp
• You’llreceive oneID cardforboth medicalandprescriptiondrugservicesand anotherfordentalservices;
•Essentially,thesamemedicalanddentalplanswillbe offered,soyou’llreceivethesamebenefitsforcovered
In fact, our associateswillfindmostof theircurrentdoctorsintheAetnanetwork;
high-qualitybenefitsand customerservice, aswellasprogramsandresourcestohelpourassociates maintainoptimal
health. Asaresult,wechoseAetna andhere’swhy:
servicesand supplies,including 100%coverage forin-networkpreventivecare;
to KnowandDo
AsofJanuary1,2009,yourcurrent
BeginningJanuary1,2009,yourdentalcoverage willbeadministeredthroughAetna’sDentalPPO
network.Thismeanscoveragethrough theUHCnetworkwillend asofDecember31,2008.
wheretoturn.Thegood newsisyou don’thavetonavigate
medicaladvice, itcan bedifficultandconfusing to know
Eventhoughyourcurrentmedicalcoveragewillautomaticallytransfer from UHCtoAetna,it’s worthre-evaluating
for Your
Aetna’s Total Health and Total Health PlusPlans
deductibles,co-payments, co-insurance andout-of-pocketmaximums.
Foryourconvenience, yourmedicaland dentalcoverage will automaticallytransferfrom UHCtoAetna as
•There willbeno increaseformostmedicaland dentalout-of-pocketplan expenses,includingyour
you andyourfamilywithavarietyofhealthissuesandconcerns;and
ofJanuary1,2009,unlessyou enroll tochange yourlevelofcoverage oryouchoosetowaive coverage.
yourPlanoptions.Boththe TotalHealth andTotalHealthPlusPlansofferahigh levelofin-networkbenefits, so
you canbe sureyouarereceivingserviceswiththestrictest
we’ve assembledanenhanced systemofservices, support
your own. Since J.CREWcares aboutyouand your family,
you’llpaylesswhenyoureceivecare fromaparticipatingprovider.Themaindifference betweenthemedical
Consider Your Medical Options for2009 and Save
optionsistheout-of-networkbenefitseach offers.Pleasesee the chartbelow to comparethePlansandpick
the bestoneforyouandyourfamily.
• Understand allthatthe2009J.CREW
the Aetna network
includesthemajorityof
• TheMaternitySupport Service Line at 1-888-277-1057
automaticallyfrom
UHC to Aetnaasof
January 1, 2009, unless
willoffer thesame
dentalbenefitswiththe
of dentistsanddental
Visitwww.medco.com
www.aetna.com/docfind
electionchange—OpenEnrollment
beginsonNovember3andends on
November14, 2008.
•The TotalHealth andTotal HealthPlusPlanswill
pregnancy,giving mothersandtheirbabiesahealthierstart.
is staffedbydedicatedmaternitynurseswhoworkwith
seeifyourprescription(s) is
Maximum3,4 $17,000family$4,550 family
AnnualOut-of-Pocket Unlimited$8,500 individual/ Unlimited $2,225individual/
convenient wayto getanswerstoyourhealthquestions
•The 24/7Nurse Lineat1-800-556-1555isa
prescriptiondrug(s) will
In-Network Out-of-Network1 In-Network Out-of-Network1
AnnualDeductible2 $250individual/ $1,000individual/ Notapplicable $225individual/
EffectiveJanuary1,2009,associateswhoareenrolledin
UrgentCareco-pay.Yourco-payforunexpectedcareatan UrgentCare Clinic oryourdoctor’sofficewillbe determined
PlanBenefit TotalHealth Total HealthPlus
$500family $2,000family $550family
with you, helpingyou develop apersonalactionplanto
(medical anddental)andMedco
• Check yourpersonal information—
dentalbenefitswillremainthesame. The •coveragethroughtheAetnaDentalPPOnetwork.
Dental
TheVision Plan willcontinuetooffervaluable coverage administered byVisionServicePlan(VSP).
bettermanageyour conditionandavoidunnecessary
Plus, effectiveJanuary 1, 2009, when youvisitaVSPprovideryou’llreceive:
depressionmanagement,substanceabuse problemsand
1-888-277-1057,whichcomplementsthe Employee
• The BehavioralHealth SupportServiceLine at
EmergencyRoomCare 100%after$75co-pay 100% after$75co-pay 100%after$75 co-pay100%after$75co-pay
•Eligible medical,prescriptiondruganddental
•Vision ServicePlan(VSP)willcontinue
associatebenefitsthatareapartof theJ.CREWBenefits Program.
Want tofindoutmore aboutyour dental andvision benefits?
private, confidentialassistance –whetherit’s answering
medicationmanagement.Professionalcounselorsare
yourquestions, helpingyou locatethe right network
2 Eachperson mustsatisfythe individualdeductible.For familycoverage,expensesformultiplecoveredfamilymembersmaybeusedtosatisfy
(waivedif admitted) (waivedifadmitted)(waivedifadmitted) (waivedifadmitted)
MaternityOfficeVisits 100% after$30 co-pay 70%afterdeductible 100%after$25co-pay 70%afterdeductible
continuetoofferthesame medicalbenefits.
of medicalconditions, suchasasthma, diabetesand
1-888-277-1057 offerssupportforawidevariety
ask yourdoctorifalower-cost
•Specialty Care 100%after$30co-pay 100% after$25 co-pay
InpatientHospitalization 100%afterdeductible 70%afterdeductible100% after 70% afterdeductible
•Primary Care 100% after$20co-pay 70%afterdeductible 100%after$15co-pay 70%afterdeductible
Lifetime Maximum Unlimited$1,000,000Unlimited $1,000,000
Office Visits
(includingmaternity stays) $250co-pay
(initialvisitonly) (initialvisitonly)
Medco Prescription
Drug Coverage
Medco willadministerthe 2009
prescription drugprogram.
Findoutwhat tier your
be listed under in 2009.
or call 1-800-711-0917 to
on theMedcoFormulary.
Ifyour prescriptionisn’t,
genericmedication or
comparablebrandname on
thepreferredlist is right
foryou.
prescription drug,dentalandvision coverage.
calendaryear, which are allFREEwhen you’reenrolled ineithertheTotal Health orTotal HealthPlusPlan.
Plus,byjustlogging ontowww.aetna.com you’ll finda
•Yourone premiumwillincludemedical,
Profileandregisterto participate in specialprogramsthat
snapshot of your healthalongwithapersonalizedHealth
Fast facts! About your2009Medco prescription drugprogram:
A Change for the Better
Belowisahigh-levelcomparisonoftheTotalHealthandTotalHealthPlusPlans.Note therewillnolongerbea separate
bythe levelofservice providedand how itisbilled.Pleasesee the Intranetforfullplan details.
OVERVIEW OF PLAN COVERAGE
1Out-of-networkbenefits arebasedontheReasonableCustomarycharges.Youareresponsibleforanycharges inexcessofthe amountpaid
4Forfamilycoverage,noonepersoncanmeetmorethanhis/herindividualout-of-pocketmaximum.However,expenses formultiplecovered
thefamily deductible. However,noonepersoncansatisfymorethanhis/herindividualdeductible.
bythePlan.
family membersmay beusedtomeetthe familyout-of-pocketmaximum.
3Out-of-pocketmaximumdoes notincludetheannualdeductible.
three-tieredco-payment
to the same vast
network ofparticipating
co-payforeachtierof
You’llhave access
pharmaciesandthe
MedcobyMailProgram,
whichiscost-effective
andconvenient.
Yourlevelofbenefits
willstillbe basedona
plan structure.
You’llpaythe same
prescriptiondrugs.
CheckMedco’s
prescription formulary
listfor2009.
1 2 3 4
Your currentelections,exceptforFSAs,will transferautomaticallytoAetna asofJanuary1,2009,unlessyouchangeyourlevelofcoverageor youchoose towaivecoverage. TIP:
Medicalanddentalpreventionis stillthe bestmedicine.
Don’tforgetyourannual physicals, routine medical screenings anddentalcleaningstwice per
Pay Less
Medication
of-pocket
Youcanreduceyourout-fortune. savemoney.
healthdoesn’thavetocostyoua expensesand prescriptiondrug Your co-paysarealwayslessthanthosefor preferredbrandnamedrugequivalents,
plusthey’reequallyeffective.So, besuretoask your doctor or pharmacistif
rightforyou.
ormedication forchronic conditions,such asasthmaanddiabetes.Youcan
when possible),insteadofa 30-dayprescriptionwithtwo refills. Then,download
an orderform at www.medco.comorcalltheMedcoPharmacyHelpDesk
at 1-800-922-1557 andorderyourprescriptionsonline,byphoneormail.
KnowMore,FeelBetter, Stay Healthy
When youora familymemberneedscare,oreven just
thehealthcaresystemanddecision-making processon
andresources—atnoadditional cost toyou. What’s more,
ofconfidence andthatyourprivacyisalwaysprotected.
eithermedicalplanoptionwillhave accesstothesenew
andenhancedservicesandresources:
or concerns anytime,dayornight. Ifyou’re dealingwitha
healthissueand you’renotsurewhatto donext, callthe
24/7NurseLineto talkwith aregistered nurse who can
helpyou consideryouroptions andmakean informed
decision onthebestcourseof action.
expectantmothersand offer supportthrough allstages of
•The PersonalNurseAdvocate Service at
depressionmanagement. Aregisterednurse willwork
complicationstoimproveyourqualityoflife.
AssistanceProgram(EAP), specializesin stress and
available,24 hoursa day, 7days aweek,to provide
providerforoutpatientcounselingor arranging hospital
admissions foryou oracoveredfamilymember.
wealthofhealthcare information atyour fingertips.You can
completeanonline healthrisk assessmenttoreceive a
focuson your specifichealth needsand issues.
Aetna’s Dental Coverage
VSP’s EnhancedVision Coverage
• a$150 reimbursement(previously$120)towardsthe purchaseof frames AND/OR
•a $130reimbursement (previously $120) towardsthe purchase ofcontactlenses.
Justvisit the Intranetforfullplan details on theseandallother
BesuretopresentyournewAetnaMedical/PrescriptionID cardtoyourdoctor(s)and pharmacistatyourfirstvisitsin2009.
Fast facts! AboutyourDentalCoverage administeredby Aetna:
Aetnahasavast
nationwide network
professionals. In fact,
our associates’current
dentalproviders. Goto
to reviewthelistof
participating dentists
in your area.
TheAetnaDentalPlan
sameout-of-pocket
costsyou havenow.
Again,yourcurrent
coveragewilltransfer
youelectto change
yourlevelofcoverage
oryouchoose towaive
coverage.
1 2 3
TIPS FOR SCRIPTS
TIP:
2009 willofferaNewCarrier,
Inoureffort to continueofferinghighquality benefits to you and your family,J.CREW
Group,Inc. willbeswitchingto a newcarrier. Withthischange,you willreceive enhanced
benefits andnewpersonalized wellness andhealth care management programs—through
a networkthatincludes most of the providersyou’vecome to knowand trust.Thatnew
carrierisAetna,aname we’re sureyou’ll recognize asanational leaderinhealthcare with
afine networkof doctors andhospitals.
OPEN ENROLLMENT: NOVEMBER3 –14,2008
J.CREW Open Enrollment is November 3 – 14, 2008
Asyouprepare forthe 2009OpenEnrollment, you’llfind switching fromUnitedHealthcare(UHC) to Aetnaisprettyeasy.
However,it’simportantthatyouunderstandtheupcoming enhancementsandchangestoyourbenefitsfor2009soyou
can decide whichcoverageisbestforyouandyourfamily in the upcoming year.Reviewyour enrollment information
carefully.Then,takeadvantageofall ourbenefits programhasto offer, includingprogramsdesignedtokeepyou and
yourfamily membersin goodhealth!
•Aetnawillbe the newmedicalcarrier,offering
coveragethroughtheChoicePOSIInetwork.
•Newandenhancedwellness andhealthcare
managementprogramswillbe available.
Medical
•Aetnawillbethe newFSA administratorfor
the 2009planyear.
expenseswillautomatically rollovertoyour
FSA forreimbursement.
Flexible
Spending
Accounts
(FSAs)
•Certain prescriptiondrugs willchangetiers. • Retail andmailorder(MedcobyMail)prescription
drugco-pays will remain the same foreach tier.
•Medcowillcontinueto offerthesamenetwork
ofparticipatingpharmacies.
Prescription
Drugs
• Aetnawillbe the newdentalcarrier, offering
• In-networkbenefitsforframes andcontact
lenseswillincrease.
administeringvisionbenefits.
Vision
What’s Changing What’sStayingtheSame?
• ThecostofcoverageforboththeTotalHealth
andTotalHealthPlusPlans willchange.
YourPremium
What You Need
elections andlevelofcoveragefor
medical,dentalandprescriptiondrugs
willtransferautomaticallyfromUHC to
Aetnaatthe2009premiumcontribution
rate.Remember, youmustactively
enroll duringthe OpenEnrollment
PeriodofNovember3–14,2008to
changeyour electionsor toparticipate
in oneor bothFlexibleSpending
Accounts(FSAs)inthe2009planyear.
Besuretoreview your optionsand
costscarefullytobesuretheycontinue
tomeet yourneedsandfitwithinyour
budgetnextyear.Thisnewsletteris
intendedtohelpyou:
benefitpackagehastoofferyou and
yourfamily.
• Decideifyouwant tomakean
•Enroll convenientlyandsecurelyfrom
yourcomputer using theJ.CREW
SelfService.Seetheenclosedinsert
forinstructions.
•Learnhowyourcoveragewill
transitionfromUHCtoAetna
as of January1, 2009.
includingname,addressand
beneficiarydesignation(s)—byvisiting
theJ.CREWSelf Service.Make sure
everything’sup-to-dateso you
receive your new 2009Aetna ID
cardsinDecemberandother
importantinformationinthefuture.
HIGHLIGHTS FOR2009
Remember, youmustactivelyenrolltochangeyourelectionsortoparticipateinoneorbothFlexibleSpendingAccounts (FSAs) in 2009. TIP:
benefits news

Print
The ability to make tax-advantaged contributions to save for retirement?
what features are important to you?
Your medical plan checklist
All of the L’Oréal Medical Plans include medical, prescription drug and
vision benefits,along with wellness resources and tools. However,they
also have different features, benefit levels and contributions. Use the
answers to the following questions, your personalized enrollment
worksheet and the comparison tools in this Guide and online at
www.uhc.com or www.aetna.com to help you compare your options
and choose the best option for your family.
One physician to coordinate your medical care?
Lower employee contributions with higher deductibles
and financial protection when you need it?
Higher employee contributions in exchange for greater out-of-network
coverage, including lower deductibles and higher coinsurance?
Flexibility to visit in- and out-of-network providers at any time?
12
■ Yes ■ No
■ Yes ■ No
Extra discounts and resources to help you save money and manage your health?
■ Yes ■ No
■ Yes ■ No
■ Yes ■ No
■ Yes ■ No
■ Yes ■ No
■ Yes ■ No
Access to specialty pharmacy services?
and select the Medical Plan that is right for you.
Coverage for all of your dependents?
Take advantage of all that L’Oréal offers
2008 ENROLLMENT GUIDE
YOUR L’ORÉAL BENEFITS

Print
interested? take a flyer below
CHA to Gordian Health Solutions.
Visit www.HealthyBenefitsOnline.com
Can’t find your packet, need your Personal ID Number
or have questions about completing your CHA?
Call Gordian Health Solutions at 1-800-543-3785.
Call FutureHealth®today.Take this important step to leading a happier, more productive
health coaches at FutureHealth®. Your health coach can answer questions about diet
FutureHealth®can help. Your healthcare benefits provide free access to the personal
If you or a covered family member is participating in a L’ORÉALUSA medical benefit
• Provides education to help you take charge and manage your condition
•Reinforces healthy habits so you can lead a healthier life
and medications to keep your heart as healthy as can be.
balancedliving Services
EAP Assistance com
Educational Benefits Infertility and selfservicenow.PROGRAMS
Adoption EnhancementsMaternity, LIFE WORK/Vacation loreal.AND One Vision VOLUNTARY Insurance Home and Auto MetLife Services Legal ARAG howmuch?
help!
parenthood
envision
knowledge
vacation L’Oréalcares
What do you need to do?
Submit your completed CHA to Gordian Health
Solutions and receive a wellness incentive in your paycheck.
How do you do it?
Submit your completed paper
OR
and complete the CHA online.
Still have questions?
Step-Up to AHealthierYou!
...to get the wellness incentive!
there’s still time...
If you have a chronic condition, such as asthma, diabetes or heart disease,
take advantage of FutureHealth®, an important part of L’ORÉALUSA’s
medical benefit program.
The FutureHealth® program:
•Supports, but does not replace, your doctor’s advice
Step-Up to AHealthierYou!
Call FutureHealth® toll-free 1-888-254-1251 or visit
www.myfuturehealth.net.
It’sFREE and it’s confidential
If you’re living with heart disease, you’re not alone.
program and has a heart condition, don’t go it alone!
life by enrolling in the FutureHealth®cardiac program.
Step-Up to AHealthier You!
It’sFREE and it’s confidential
Call FutureHealth® toll-free 1-888-254-1251 or visit
www.myfuturehealth.net. Join today!

Print
Family. Dreams. Career. These may be some of the
will automatically be entered into a drawing for great
The first 25 employees to take the HRA will receive
how to make healthy changes to benefit your future.
confidential Health Risk Assessment (HRA) and learn
Starting May 15, 2007, you can complete the
reasons you look forward to the future and feel
Be one of the first L’Oréal employees in 2007 to complete a Health
Good health. Respect. Friendship. It’s essential to protect the things
If you have already completed the HRA, congratulations! You took
receive a free month of medical insurance, as well as entry
important part of realizing your personal and career aspirations.
that empower you to reach your goals. Good health can be an
What empowers you?
Risk Assessment (HRA) provided by Aetna and Simple Steps. If you
are one of the first 25 employees to complete the HRA, you will
an important step toward improving your health.
into drawings for fantastic prizes later in the year.
What Inspires You?
inspired to live a healthy life.
a free month of medical insurance. Additionally, you
How about free health care?
What moves you?
Progress. Success. Responsibility.
It takes work to stay motivated
and focused on your life goals.
Take this opportunity to set a goal
for better health.
You must complete your HRA
by June 15, 2007, for a chance
to win a 26” LCD TV!
prizes later in the year.

Print
MANAGEMENT PROGRAM
Helping You Take Care
• 100(dollars). Take 15 minutes to complete the Mayo Clinic Health Risk Assessment and you’ll save $100 on
So, what’s in it for you? We know you’re busy and that taking some time out of your day to complete a Mayo
and look for the Health Risk Assessment link. If you already Know Your Numbers via an on-site screening or a visit
to take a Health Risk Assessment. Please log on to www.novartishealthinfo.comfrom any computer and link to the
Please help us reach our goal of 85% participation and complete a Health Risk Assessment today!
toward the EmbodyHealth incentive program. Use these points toward gifts and incentives of your choosing!
• 250 (points). When you complete the Mayo Clinic Health Risk Assessment, you’ll also receive 250 points
Clinic Health Risk Assessment (although brief) can be bothersome. So, we want to make it worth your while.
Health Risk Assessment. Or, you can take the Assessment while you’re at work. Simply log on to OneHealthLink
Our goal this year is to engage 85%of the associates who participate in one of the Novartis medical programs
Annual Enrollment is a great time to focus on your health.
Since 2004,when Novartis*first implemented the Mayo Clinic HRA tool,we’ve learned that a significant
percentage of our colleagues and friends have some form of health risk.And yet,despite how tremen-dously
important it is to identify these risks early,we’ve recently seen a decline in the total number of
associates who have completed an Assessment.
Novartis community. In addition to helping you understand how to help yourself by determining which health conditions
(if any) you may be at risk for in the future, results from the Health Risk Assessment are used to help us:
the Drive for
2 Determine how to allocate Company resources among wellness and benefit programs.
only is it good for you;it’ll also save you money.And unlike everything else that’s supposedly
good for you,it’s painless and doesn’t taste bad—and you may even win some cool prizes!
our mission to improve people’s lives means what it says—we want to help all people, the patients we serve, the communities that
But no matter what your plans include, there’s one thing that’s critically important for all of us in fulfilling our dreams—good health.
if or when their health status changes, the Company is re-dedicating its commitment to overall health management. Why? Because
or preparing for retirement.Each of us has different goals and different visions for how our lives will evolve in the years to come.
Maybe your plans include professional development, starting a family, sending your children to college, traveling,
85 Do Your Part for
where do YOUsee yourself in 5 years?
To help all Novartis people (our associates and their family members) obtain and maintain good health and the best care
depend on us and, perhaps most importantly, the people who make our mission happen, YOU!
your annual medical plan contributions (on a per-paycheck basis), effective January 1, 2008.
• Field Force employees can receive1 AWARDperQ point at the end of each phase.
• All other employees can choose the gift card reward of their choice.
Once diagnosed (or self-identified) with one of these conditions, patients will receive outreach, support, information and education from
then link to the Health Risk Assessment.Or,logon to OneHealthLink at work and look for the Health Risk
Assessment link.The entire Assessment takes only 15 minutes.It’s fast,easy,and extremely convenient.But
which medical plan you participate in, you will receive appropriate and meaningful outreach in the event you, or a covered family
with whom we work) to integrate their efforts on behalf of Novartis and its associates. We have worked hard to ensure that, no mat-ter
We have challenged all of our health care partners (including CIGNA, Horizon, Mayo Clinic, Medco, Medstat, UnitedHealthCare,and oth-ers
conditions, providing them with a third party (Novartis benefit plan partners) to help them control their condition and to help them
others designed to help support all of us in the goal to achieve better health. Novartis wants to help people with newly diagnosed
expected programs. It is a holistic partnership between Novartis, medical plan and prescription drug carriers, our EAP provider and
Health Management, known at many other companies as “disease management,” is a series of programs designed to help people who
are managing chronic conditions. However, our approach is different. At Novartis, Health Management includes more than just the
keep the condition from escalating, and possibly reversing some of the negative effects of the condition.
member,are diagnosed with certain conditions.
are identified for
Health Management
1
Learn about our
specialists with whom we partner.
Health Management at Novartis:
Programs Designed with YOU in Mind
Health Risks
inside!
what’s
2
See how it pays
to get fit
3
Read how people
•Asthma • Coronary Disease • Diabetes • Pregnancy • Stress
Health
Start Your Engines NOW
So,we’re asking that you take action:Complete a Mayo Clinic HRA. Today.Even if you’ve completed one in
prior years.Do your part to take care of smaller health problems now before they become larger and more
complicated later.Our goal is to meet the “Drive for 85,” achieving at least 85% associate participation in
the Mayo Clinic HRA by October 30,2006.
Completing the Mayo Clinic HRA is easy.Logon to www.novartishealthinfo.comfrom any computer,and
most important? It might just help save your life.
Take The Test Drive That Could Help Save Your Life. You hear it a lot,
we know.Your spouse,partner,parents,even your kids want you to take better care of yourself.
But when it’s so hectic, your best intentions often fall by the wayside.So do something for
yourself:Complete a Mayo Clinic Health Risk Assessment (HRA) in the next few weeks.Not
1 Take The Test Drive That
Could Help Save Your Life.
2 Learn How to Win
Cool Prizes!
3 What is a Health Risk
Assessment?
4 Rules of the Road:
Respecting Your Privacy
WHAT’S INSIDE
Get in the
FAST LANE
for the Health Risk Assessment
* For the purposes of this document,the term “Novartis”refers to the Novartis Group Company that employs you,such as Novartis
Pharmaceuticals Corporation,Novartis Corporation,or Novartis Institutes for Biomedical Research,Inc.as appropriate.
MANAGEMENT PROGRAM
Helping You Take Care Health
The Health Risk Assessment is a critically important tool in our toolbox for encouraging health throughout the
1 Understand those conditions that are most relevant to Novartis associates.
3 Monitor the impact and efficacy of our Health Management Program.
to your primary care physician, completing the Assessment only takes 15 minutes or less.
Now That’s an Incentive
Give us 15 (minutes) and we’ll give you:
EmbodyHealth Incentive points are redeemable in 2 ways:
Every step does count,
and you'll be amazed at how quickly they add up...to better fitness! We are pleased to introduce a new fitness-based
program, Every Step Counts. This is no ordinary fitness program. Every Step Counts is designed to fit easily
into your lifestyle, both on and off the job.
Look for our kick off event in April, Walk to Wellness, an interactive program that shows you how making little
changes in your day (like taking the stairs instead of an elevator, taking a brief walk at the end of the day, parking
further away from a client's office than you ordinarily would) all add up.
Get involved, and win prizes! Watch for email blasts and postings on WebFSA. It's easy and fun—just take it one
step at a time!
2000 = 1 MILE STEPS
It may sound like a lot at first, but you’ll be
up to your goal in no time!

Print
Make Your 401(k) Rock
your savings could be later.
6% of pre-tax pay you contribute.
and start saving today
you put away now, the bigger
We’ll match 50% up to the first
Tune in to your 401(k)
for your future.
Turn up the volume of your
contributions. The more money
Get in sync with Cablevision!
Mix up your investments.
Experts say diversifying
is the way to go.
of your pre-tax contribution up to the first 6% of your pay.
Questions? Log on to https://www2.benefitsweb.com/cable.html, link through Marquee, or call 1-800-353-401K (4015). It’s that easy.
George Kalinsky/MSG Photos
Cablevision is not responsible for the performance of the investment funds.
The sooner you join the Cablevision 401(k) Plan,
Goto https://www2.benefitsweb.com/cable.html,
link through Marquee, or call the Cablevision CHOICE
Retirement Center at 1-800-353-401K (4015)
the sooner your earnings can grow tax-deferred
and build over time. Join today.
Just press play!
Did you know Cablevision matches 50 cents on every pre-tax dollar you contribute,
upto the first 6% of pay? Enroll in your 401(k) Plan today.You’ve
met the service requirement, so you’ll already be 100% vested in any Company
match you receive.
Don’t miss a beat.
Rock on!
You would grab the chance to make an extra 50 cents on the dollar—right?
So why are you leaving free money on the table?
Log on to https://www2.benefitsweb.com/cable.html, link through Marquee, or call
1-800-353-401K (4015). It’s that easy.
Can’t contribute more than 1% or 2% to your 401(k)?
Even if you start smallyou could save big.
Tune in, start saving, and make your future rock!
make your401(k) Rock
Get in sync with Cablevision—we’ll match 50%
That can mean another 3% toward your savings!
make your
401(k) Rock
George Kalinsky/MSG Photos

Put your health and your family’s health at the top of your New Year’s resolutions list – resolve to get well, stay well and make 2009 your
healthiest year yet. Start by making wiser lifestyle decisions and smarter benefit choices. And, Rabobank provides you with the benefits,
doctor. Your Rabobank medical coverage pays the full cost of your family’s annual physicals when you visit an in-network doctor. (You’re
It’s a brand new season—kick it off with a commitment to a healthier you. A great first step is to schedule an annual check-up with your
Rabobank’s Employee Benefits Newsletter April 2009
Print
is there for you, providing the advice and information you need
whenever you need it. This is a valuable, personalized service.
When you call, you can speak with a registered nurse who will help
or understanding more about a health condition – the Nurseline
these new lists, which are posted on www.myuhc.com. If the
prescription(s) you take switched tiers, ask your doctor if a
This newsletter is intended for internal use only.
Need medical advice in the middle of the night? Having
an allergic reaction and don’t know what to do? Worried
about possible drug interactions?
Whenever you need answers to your healthcare related questions
under on the 2009 UHC Prescription Drug Lists (PDLs).
Find out what tier your prescription drug(s) is listed •
Continued on page 2
tools and resources you need to follow through on this resolution! By investing in your family’s wellness, you can gain more happy
returns, like better health and fewer medical bills.
Prevention is the best medicine
The more you know, the healthier you can become. So, make the most of your doctor’s office visit by discussing any health concerns
you might have. Ask about any tests, screenings or immunizations he/she would recommend for you and your family based on your
ages and other risk factors. By being proactive, you can receive the right preventive care at the right time. See pages 3 and 4 for a
only responsible for a $10 copay per exam, whether you’re covered by UHC or Anthem).
It’s Time to Spring into Action!
to ask your doctor or pharmacist if a generic form of your
current preferred brand prescription(s) is available and right
for you.
Use the mail order program and get 3 for the price of 1! • Both
To encourage your progress, Rabobank created an easy-to-use
of their employees’ total
healthcare premiums? This means most employees pay up
reduce your out-of-pocket prescription drug expenses and save money.
improve your health by walking as part of your daily routine.
and money on prescriptions taken regularly, including oral
contraceptives or medication for chronic conditions, such as
asthma, high blood pressure and diabetes. A 90-day supply
into a drawing to win a $50 Sports Authority gift certificate.
If you walk and track 150 miles by June 30, be sure to complete
tracking sheet to help you add up your total miles walked.
If you missed out on the April 8 kick-off of National Start!
It’s not too late to start walking and enter to win!
heather.mcelrath@rabobank.com.
and to register, contact Heather
Did you know that recent
benefit benchmark studies
nation-wide. To find out more
www.healthy-pregnancy.com or call 1-800-411-7984.
“Pregnancy” section under MyHealth@anthem—or
www.myuhc.com (UHC participants) or www.bluecares.com (Anthem
participants), your dental benefits at www.deltadentalins.com and
fundraising event, held in
To enroll in – UHC’s Healthy Pregnancy Program, visit
the AHA’s national walking
Customized educational materials about prenatal care •
Association’s (AHA) Wall Street
both a competitive run and
Run Heart Walk on May 19.
A toll-free number to call and discuss pregnancy-related •
Heart Healthy!
Rabobank medical coverage includes FREE access to either UHC’s
Healthy Pregnancy Program or Anthem’s 360˚ Health Future
We care about you and your growing family. That’s why your
Are You Pregnant or Planning
convenient check list of questions provided by Anthem.
to be Soon?
An assessment to determine your risk of a premature •
concerns with experienced nurses anytime, 24/7
Moms. Each program provides:
delivery
To enroll in – Anthem’s Future Moms, visit the
and maternity
click here—or call 1-800-769-4896.
Rabobank Has
Heart…and is
Rabobank is participating
in the American Heart
The event, which includes
non-competitive walk, is
more than 400 communities
McElrath at 1-212-309-5181 or
Walking Day, you can still join in the national campaign to
That way, you can see how far you’ve gone—or, should
McElrath by 6 p.m. PST on June 30. Then, you’ll be entered
and fax, email or interoffice your tracking form to Heather
we say, how far you’ve come! Click here to access the
tracking sheet.
So, get walking!
Wellness
the • UHC NurseLineSM at 1-888-315-7257 or
This newsletter is intended for internal use only.
How your
Rabobank
benefits
measure up
show that most employers
nationwide pay 75% to 80%
to 25% of the cost of coverage for their benefits! On the
other hand, Rabobank pays 100% of the cost of healthcare
coverage – including medical, prescription drug, dental and
vision benefits – for you and your family. And, you can do
your part to help control our healthcare costs by managing
your health, leading a healthier lifestyle and using your
benefits wisely.
Continued on page 2
Rabobank and You – Making 2009 a Healthier Year
Preventing an illness is easier and more cost-effective than trying to
cure or manage an illness. So start the year off right – schedule your
family’s free or low cost medical, dental, and vision preventive exams,
along with your routine medical screenings, available through your
Rabobank healthcare plans. For more information about your
preventive care coverage, access your medical benefits at
your vision benefits at www.vsp.com.
Save with these smart tips for scripts
Managing your health doesn’t have to cost you a fortune. You can
Switch to generics and pay less. • Your generic drug copay
generally will be less than those for preferred brand name
drug equivalents, plus they’re equally effective. So, be sure
Medco (UHC participants) and WellPoint NextRx (Anthem
participants) offer a convenient way for you to save time
through the mail order program costs the same or less
than just a 30-day supply at a retail pharmacy! To find
out how much you can save, visit www.myuhc.com or
www.bluecares.com.
If you are a UHC participant, it’s important to remember
that several medications changed coverage tiers based on
lower cost generic medication or comparable brand name
on the list is right for you.
Call the NurseLine anytime you
need medical guidance
and concerns – whether it’s discussing your treatment options
you with just about any concern you may have, no matter how
small or complicated. It’s completely confidential and completely
free. Just call:
the • Anthem 24/7 NurseLine at 1-800-977-0027.
Wellness
Rabobank’s Employee Benefits Newsletter January 2009

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