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Bexar County is pleased to provide you with a comprehensive benefits program for 2008. Your participation will help safeguard the health care and financial needs of you and your family.

This booklet will assist you in making benefit decisions that will best fit your needs. It is not intended as a complete description of the provisions of the benefit plans, but as a guide to help you in making the benefit choices that are best for you and your family. If any discrepancy exists between this guide and the official plan documents, the plan documents will govern.

For additional information, visit the Planning & Resource Management website Benefits page at  

PRM/EmployeeBenefits.html

or



|Introduction |

| | |

|Who is Eligible? |Enrollment Changes during the year |

| | |

|Regular full-time employees of Bexar County who work at least 32 hours per week |Your benefit elections will remain in effect for the entire plan year (January |

|are eligible to participate in the Employee Benefits Programs. |1-December 31). |

| | |

|Eligible Dependents |You may only make changes to your elections during the year if you have one of |

| |the following status changes: |

|Your spouse as defined and recognized by the law of the State of Texas. |Marriage or divorce |

|Un-married, financially dependent child(ren), including: |Death of spouse or dependent |

|Child(ren) for which you are the biological Mother or Father |Birth or adoption |

|Legally adopted child(ren) |Spouse loses or gains employment |

|Child(ren) placed with you pending formal adoption |Spouse loses existing insurance through no fault of his/her own |

|Stepchild(ren) |Court Order |

|Child(ren) or grandchild(ren) under age 25, not working full-time, for whom you |Spouse receives a significant change in the health insurance premium or benefits |

|are the legal guardian and claim as legal dependent(s) on your income tax return.|of his/her group plan |

|(Full-time college student status is no longer an eligibility requirement.) |Spouse’s group plan open enrollment |

| |Retirement |

|If you and your spouse, child or dependent are both employed by Bexar County, |Leave without Pay |

|only one of you may elect benefits on your dependents: children and eligible |Active Duty Military Leave |

|grandchild(ren). Duplicate coverage of dependents is not permitted. | |

| |Your Benefits – Your Responsibility! |

| | |

| |You must submit a Status Change form within the 30-day deadline. |

| | |

| |You have 30 days from the date of a status change to complete an enrollment |

| |change form and return it to Human Resources. If you do not notify Human |

| |Resources, you and/or your dependents must wait until the next annual enrollment |

| |period to make a change to your benefit elections. |

| |You will be asked to provide written documentation of any status change. |

| Employee Semi-Monthly Rates |

|Effective January 1, 2008 |

$

|Employees NOT covered by the Collective |EPO |Premium PPO |Base PPO |

|Bargaining Agreement | | | |

|Employee Only |$51.16 |$33.06 |$24.07 |

|Employee + 1 |$102.31 |$66.12 |$48.13 |

|Employee + 2 or more |$166.25 |$107.44 |$78.22 |

|Employees covered by the Collective |EPO |Premium PPO |Base PPO |

|Bargaining Agreement | | | |

|Employee Only |$46.14 |$29.82 |$21.71 |

|Employee + 1 |$92.7 |$59.63 |$43.41 |

|Employee + 2 or more |$149.94 |$96.90 |$70.55 |

|All Employees |QCD Base Plan (Red) |QCD Premium Plan (White) |QCD Indemnity Plan (Blue) |

|Employee Only |$0 |$9.84 |$12.36 |

|Employee + 1 |$4 |$21.03 |$26.38 |

|Employee + 2 or more |$6 |$31.89 |$44.38 |

|All Employees |QCD/Avesis Vision Plan |

|Employee Only |$ 3.18 |

|Employee + One |$5.48 |

|Employee + Family |$8.98 |

| UNUM | |

|Short Term |Rates vary based on age, salary as of |

|& |01-01-08 and coverage amount |

|Long Term Disability | |

|Critical Illness | |

|Personal Accident | |

|Cancer | |

|AFLAC Personal Hospital Intensive Care |Employee Only |Employee + Family |

| |$4.35 |$8.77 |

|Legal Access Plans |Employee Only |Employee + Family |

| |$7.00 |$7.00 |

|Colonial Medical Bridge |Rates vary based on coverage amount |

| | | |

|Minnesota Life (additional Group Term Life for the Employee, Spouse and |Rates vary based on age as of 01-01-08 and coverage amount |

|child(ren)) | |

| | |

|Helpful Definitions |

❑ Calendar Year – January 1 through December 31 of each year.

❑ Case management – The process of assessing whether an alternative plan of care would more effectively provide medically necessary health care services in an appropriate setting.

❑ Coinsurance – The percent of eligible charges that the plan or member pays.

❑ Co-payment (medical) – The amount to be paid by you for each applicable medical service. Co-payments for covered services are not applied to your deductible.

❑ Deductible – The amount you pay each calendar year before the plan begins to pay covered health care expenses.

❑ Emergency – An acute, sudden onset of a sickness or bodily injury which is life threatening or will significantly worsen without immediate medical or surgical treatment.

❑ Network Benefits – The benefits applicable for the covered services of a network provider.

❑ Non-Network Benefits – The benefits applicable for the covered services of a non-network provider.

❑ Out-of-Pocket Maximum – The most a covered person can pay in deductibles and coinsurance in a calendar year for covered health care expenses (excluding reductions for provider contracts and usual and customary guidelines and copays).

❑ Pre-Certification – The process of assessing the medical necessity, appropriateness, or proposed non-emergency hospital admission, surgical procedure, outpatient care, or other health care services.

❑ Pre-determination of benefits – A review by the Plan Manager of a qualified practitioner's treatment plan, specific diagnostic and procedure codes and expected charges prior to rendering services.

❑ Pre-Existing Condition – A physical or mental condition for which you have received medical attention (medical attention includes, but is not limited to: services or care) during the six month period immediately prior to the enrollment date of your medical coverage under the Plan. Pre-existing conditions are covered after the end of a period of twelve months after the enrollment date (first day of coverage or, if there is a waiting period, the first day of the waiting period). Pre-existing condition limitations will be waived or reduced for pre-existing conditions that were satisfied under previous creditable coverage.

❑ Usual and Customary Rates – Non-network health plan expenses are considered for reimbursement at usual and customary (U&C) rates. U&C rates are determined to be the prevailing charge made for a service by a similar provider in the same geographic area. Charges above U&C are not covered by the plan and are the responsibility of the participant.

Medical Plan Benefits

Your Medical Plans provides you and your eligible dependents with coverage for a wide range of health, wellness and medical services. For the first time in four years, employees will have a slight increase in their premium, while Bexar County will continue to pay approximately 80% of the total premium. In addition to your share of the premium cost, you are also responsible for being a wise consumer of medical services, for making responsible health care decisions. Bexar County offers many training classes, health fairs and wellness programs, including a full wellness initiative which includes a health risk assessment, screenings, health coaches and disease management for serious and chronic health conditions. Also offered for 2008 will be the addition of the Virgin HealthMiles Program, allowing employees to earn up to $400 in incentives for reaching certain goals. By sharing the responsibility and the cost for your health care, everyone works together to ensure quality medical care that is necessary and cost-effective is received by all.

Preferred Provider Organization (PPO) Plans

Bexar County offers two PPO plans. With a PPO plan, you may select any provider to receive care. Receiving care from a network provider will provide you with greater coverage and less out of pocket expenses. Both plans offer a convenient physician office visit co-pay, however, are not applied to the deductible.

Premium PPO Plan covers medical expenses at 90% in-network and at 70% out-of-network once you have met an individual deductible of $400 in-network; $600 out-of-network.

Base PPO Plan covers medical expenses at 80% in-network and at 60% out-of-network once you have met an individual deductible of $1,000 in-network; $2000 out-of-network.

Premium & Base PPO Plans

In-Network Care: Once you have met your deductible, a higher percentage of the cost of services is paid when you use network physicians. Your deductible is also lower if you use network services. You are responsible for verifying that any services a physician refers you to, such as other specialists, labs, hospitals and home health agencies are also in network. Claims are generally filed for you through the network.

Out-of-Network Care: You can seek care from out-of-network providers, but a smaller percentage of the total cost is paid. The deductible is also higher if you use out-of-network services and you must file your own claims. In addition, you are responsible for any charges over reasonable and customary amounts.

Exclusive Provider Organization (EPO) Plan

This EPO Plan is much like an HMO; however, with an EPO Plan, you may select any affiliated physician, hospital and facility using the Humana National EPO directory. An EPO Plan, like an HMO, does not offer Out-of-Network benefits, except in certain emergency situations.

All plans will remain the same, however, will have an inclusion of a mental health provider network, CorpHealth. Humana, Inc. will continue to be the claims administrator and continue utilizing the Humana, Inc. Provider Network for all other medical conditions. To verify that your physician or medical facility is in network, call 1-800-626-2698 or go online to .

Medical Plan Benefits

| |Premium PPO |Base PPO |EPO |

|Calendar Year Deductible | | | |

| |In-Network | | | |

| | |Individual |$400 |$1,000 |None |

| | |Family |$800 |$2,000 |None |

| |Out-of-Network | | | |

| | |Individual |$600 |$2,000 |None |

| | |Family |$1,200 |$4,000 |None |

| | | | |

|Annual Out-of-Pocket Maximum | | | |

| |In-Network | | | |

| | |Individual |$1,200 |$3,000 |

| | |Individual |$3,000 |

|Coinsurance | | | |

| |In-Network |90% |80% |100% |

| |Out-of-Network |70% |60% |No Coverage |

|Copays | | | |

| |Primary Care Physician |$20 |$30 |$20 |

| |Specialist |$20 |$30 |$20 |

| |Urgent Care |90% after plan deductible |80% after plan deductible |$50 |

| |Emergency Room |90% after plan deductible |80% after plan deductible |$150 |

|Hospital Services | | | |

|Inpatient | | | |

| |In-Network |90% after plan deductible |80% after plan deductible |$250 copay per admission |

| |Out-of-Network |$500 copay then 70% after plan |$500 copay, then 60% after plan |No coverage |

| | |deductible |deductible | |

|Outpatient | | | |

| |In-Network |90% after plan deductible |80% after plan deductible |100% |

| |Out-of-Network |70% after plan deductible |$500 per admission then 60% after |No Coverage |

| | | |plan deductible | |

| | | | | |

| MENTAL HEALTH BENEFITS |

| |Premium PPO |Base PPO |EPO |

|Inpatient Benefits | | | |

| In-Network |90% after plan deductible |80% after plan deductible |100% |

| |45 day maximum |45 day maximum |45 day maximum |

| | | | |

| |70% after plan deductible |60% after plan deductible |No Coverage |

|Out-of-Network |45 day maximum |45 day maximum | |

|OutPatient Benefits | | | |

| In-Network |$20 co-pay |$30 co-pay |$20 co-pay |

| |52 visit maximum |52 visit maximum |52 visit maximum |

| | | | |

|Out-of-Network |70% after plan deductible |60% after plan deductible |No Coverage |

| |52 visit maximum |52 visit maximum | |

Employee Assistance Program

The County provides counseling and referral services to employees and their family members through an outside contractor. There is no cost to the employees and all services are confidential, even if you don't enroll in a Bexar County Medical Plan. To access services, call 615-8880 twenty-four (24) hours a day Monday thru Friday. Services are available during work hours, after work hours and between 8:00 A.M. and 12:00 P.M. on Saturdays. Deer Oaks EAP Services offers Bexar County Employees and Dependents the following:

6 Short term counseling session to include:

o Individual Counseling

o Family Counseling

o Marital Counseling

o Telephone Counseling

6 Counseling session with unlimited reasons:

o Example Reason 1: 6 sessions for Stress/Anxiety

o Example Reason 2: 6 sessions for Marital problems

Interactive Website: (contact HR Central for access details)

Internet Counseling: email us at eap@ to chat with a counselor and provide guidance and advice on your area of concern.

• Telephone Counseling and Teen Hotline: 800-396-2467

• Local #: 615-8880

• Toll Free#: 800-396-2467

|Prescription Drug Benefits |

Prescription Drugs are covered under the medical plans if prescribed for the treatment of a covered medical condition.

|Prescription Drug Benefits |Premium PPO |Base PPO |EPO |

|Retail (30 day supply) |

|Generic |$10.00 |$10.00 |$10.00 |

|Brand w/ Generic Equivalent |$10.00 plus difference between |$10.00 plus difference between brand |$10.00 plus difference between |

| |brand & generic |& generic |brand & generic |

|Formulary |$25.00 |$25.00 |$15.00 |

|Non-Formulary |$40.00 |$40.00 |$25.00 |

|Mail Order or Retail (90 day supply) |

|Generic |$25.00 |$25.00 |$25.00 |

|Brand w/ Generic Equivalent |$25.00 plus difference between |$25.00 plus difference between brand |$25.00 plus difference between |

| |brand & generic |& generic |brand & generic |

|Formulary |$62.50 |$62.50 |$37.50 |

|Non-Formulary |$100 |$100 |$62.50 |

|NON-NETWORK PHARMACY |Co-pay + 30% |Co-pay + 30% |No Coverage |

Pharmacy Helpful Definitions

❑ Brand Name Medicine – A medication that is manufactured and distributed by only one pharmaceutical manufacturer.

❑ Copayment (Prescription Drug Copay) – The amount to be paid by you toward the cost of each separate prescription order or refill of a covered drug when dispensed by a pharmacy.

❑ Dispensing Limit – The monthly drug dosage limit and/or the number of months the drug usage is needed to treat a particular condition.

❑ Drug List (Formulary) – A list of prescription drugs, medicines, medications and supplies approved by Humana, which identifies drugs as Level 1, 2, or 3.

❑ Generic Medication – A medication that is manufactured, distributed and available from several pharmaceutical manufacturers and identified by the chemical name.

❑ Level 1 Drug – A category of generic drugs, medicines, or medications on the Humana drug list.

❑ Level 2 Drug – A category of brand name drugs medicines or medications on the Humana drug list.

❑ Level 3 Drug – A category of generic or brand name drugs, medicines or medications not on the Humana drug list.

Preventive Care

The calendar year maximum for preventive care benefits is $500. This includes services such as:

|Preventive Screenings |Well Woman Exams |

|Annual Physicals |Immunizations |

|Childhood immunizations (to age 7) do not have an annual limit |

These charges will incur an office visit co-pay and are not subject to your deductible, however, any charges exceeding the annual limit will be covered according to the provisions of your elected medical plan.

Note: If your physician submits a claim for any of these procedures using any code other than a preventive procedure, benefits will be paid under the regular provisions of your elected medical plan and would not considered under the preventive care benefits. These benefits are provided to Employees and covered dependents to detect health problems as early as possible. Each benefit is provided on a “per calendar year” basis.

Wellness

A newly added benefit for employees and covered dependents is the Humana Wellness Plus Program. This program offers tailored health coaching and targets six key areas of wellness:

|Weight Management |Nutrition |

|Physical Activity |Stress Management |

|Smoking Cessation |Back Care |

Additionally, covered members have access to Humana’s Core Wellness Program which offers well resources through MyHumana at , the on-line Humana Health Assessment, targeted mailing and telephone reminders for preventive care, and the Wellness Calendar program.

HealthMiles

HealthMiles by Virgin Life Care offers a first-of-its-kind physical activity incentive and rewards program to promote and motivate employees covered in either of the Bexar County Medical Plans, to increase their activity level and physical fitness. Employees are given a pedometer that tracks activity with time and date stamps which can be uploaded and tracked, all while earning HealthMiles for effort, measurements, and achievement. These miles are redeemable at more than 50 national retailers, encouraging employees to walk, dance, or run their way to valuable merchandise, up to $400 annually.

Dental Benefits

Bexar County will once again offer 3 dental options with QCD of America. By enrolling in a QCD Red or White Dental Programs, you will automatically receive discounted vision care benefits under QCD AVESIS Simple Savings Plan. Details for of these benefits can be obtained by contacting QCD or visiting the QCD website at or for vision benefits.

If you don't enroll in a Bexar County Medical Plan, you and your eligible dependents may still enroll in a QCD Dental Program to receive dental care benefits. Enroll in the QCD Dental Program of your choice by completing an enrollment form.

| |Base (RED) |Premium (White) |Indemnity (BLUE) Dental Plan |

| |Dental Plan* |Dental Plan** | |

|Calendar Year Deductible | | | |

| Individual |No deductible |$ 50 |$50 |

|Family |No deductible |$150 |$150 |

|Calendar Year Maximum | | | |

| Per Covered Member |No maximum |$1,500 |$1,000 |

|Preventive Services – Class I | | | |

|Waiting Period |None |None |None |

|Office Visit |No charge |No charge In-network | |

|Routine Exams/Cleanings/ |See Reduced Fee Schedule |100% *** In-Network |100% of Usual & Customary Rate |

|X-Rays/Sealants/Fluoride |(Approx. 50% savings) |Reimbursed per schedule Out-Of-Network | |

|Basic Services – Class II | | | |

|Waiting Period |None |3 Months |3 Months |

|Fillings/Extractions |See Reduced Fee Schedule |100% *** In-Network |80% of Usual & Customary Rate |

| |(Approx. 50% savings) |Reimbursed per schedule Out-Of-Network | |

|Major Services – Class III | | | |

|Waiting Period |None |12 Months |12 Months |

|Crowns/Bridges/Dentures/Root |See Reduced Fee Schedule |100% *** In-Network |50% of Usual & Customary Rate |

|Canals/Periodontal/Oral Surgery |(Approx. 50% savings) |Reimbursed per schedule Out-Of-Network | |

|Orthodontia | | | |

|Waiting Period |None |12 Months |12 Months |

|Lifetime Maximum Coverage |None—Adult & Children |$1,000 – Children only |$1,000 – Children only |

|Special Program Features | | | |

| |Discount Dental Program with a |Use any dentist, however greater |Use any dentist |

| |network dentist. |reimbursement with a network dentist. | |

|* |QCD “RED” Program is a managed cost dental benefit program. The member pays at the time of |

| |service according to the QCD Schedule of Program Fees. |

|** |QCD “WHITE” Program – Member pays a QCD Provider at the time of service according to the QCD |

| |Schedule of Program Fees, then submits a copy of the paid receipt for reimbursement. Claims |

| |are paid in approximately 6-10 business days. Out-of-network insurance reimbursements are set |

| |per the schedule and represent approximately 50% coverage. |

|*** |QCD “WHITE” Program reimburses the member for any service performed by a QCD General Dentist |

| |and listed by ADA code on the RED Schedule of Program Fees at 100% (after deductibles). Some |

| |fees are additional and are not reimbursed. |

Vision Plan

Each eligible employee may elect to participate in the QCD/AVESIS Vision Program. You choose the level of coverage appropriate for you and your family’s needs and you pay the full cost of the coverage.

You can receive services from one of Avesis’ eye care professionals, or choose to receive care outside of the Avesis network. To find an Avesis provider, call 1-800-828-9341 or visit the Avesis web site at .

|Type of Service |Avesis Participating Provider |Non-Participating Provider |

|Examination: |A comprehensive vision examination is provided by a network optometrist or |Reimbursed up to $35, member must pay provider in |

|(Once every 12 months) |ophthalmologist after a $10 copayment. Dilation may be covered in certain conditions. |full, then submit a claim to Avesis for |

| | |reimbursement. |

|Frames: |After an additional $10 copayment, $35 wholesale allowance (approximate retail of $75 to|Reimbursed up to $45, member must pay provider in |

|(Once every 24 months) |$100) |full, then submit a claim to Avesis for |

| | |reimbursement |

|Lenses: |If prescribed, a pair of standard single vision or standard lined multifocal lenses is |Reimbursed up to: |

|(Once every 12 months) |covered with the $10 frame copayment. |Single Vision: $25 |

| |Progressive Lenses – 20% off retail, minus $50 allowance |Bifocal: $40 |

| |Specialty Lenses – 20% off retail minus the corresponding standard lens plan payment. |Trifocal: $50 |

| | |Lenticular: $80 |

| | |Progressive: $40 |

| | |Specialty: corresponding standard lens plan |

| | |payment. |

|Contacts: |If medically necessary covered in full, in lieu of frame and spectacle lenses. |Reimbursed up to: |

|(Once every 12 months) |If elective, a$110 allowance, in lieu of frame and spectacle lenses, after the Avesis |Medically Necessary Contacts: $250 |

| |Preferred Pricing Discount has been applied. The contact lens allowance may be used all| |

| |at once or throughout the plan year as needed and may be applied to contact lenses |Elective Contacts: $110 |

| |and/or professional services. | |

|Laser Vision Correction|Participating Providers have been contracted to provide discounts for Lasik surgery. |No coverage |

| |Call (888)314-4619. | |

Other Options – Should you choose other options not covered by the program, you will be able to purchase these options or additional purchases on an unlimited basis at 20% off retail if you use a network provider.

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|Life Insurance – Minnesota Life |

Basic Life Insurance

In order to protect your family’s security, Bexar County provides Basic Term Life Insurance and Accidental Death & Dismemberment (AD&D) coverage at 1 times the employee’s salary up to $250,000. This coverage is provided at no cost to employees.

Supplemental Term Life Insurance

If you want a greater level of protection, Supplemental Life coverage is available to purchase. Life doesn’t always bring us what we expect. It helps to know that financial security is available for your family…even if you aren’t. But not everyone has the same need for protection. That’s why Bexar County provides you with the opportunity to elect Supplemental Life Insurance for yourself as well as for your family.

Annual Enrollment: You may newly elect your current coverage for yourself, your spouse, or your child(ren), but you will have to provide evidence of good health by submitting a health questionnaire to Minnesota Life for approval. If you or your spouse is currently enrolled, you may increase your coverage for an additional $10,000 without having to submit a health questionnaire with your application.

New Hires: Employee and their dependents are eligible to enroll up to the Guarantee Issue. If your desired level of coverage is more than the Guarantee Issue, a health questionnaire will have to be completed and submitted to Minnesota Life for approval.

Group Term Life and AD&D Insurance Highlights:

• Employees may elect Life/AD&D amounts in $10,000 increments from $10,000 to $250,000

• Up to $250,000 of employee life/AD&D is guaranteed – no evidence of insurability is required – if elected within 31 days of initial eligibility.

• Employee must complete Evidence of Insurability if coverage is elected or increased after initial eligibility.

• Waiver of Premium--waives premium for disabilities prior to age 60; continues to earlier of retirement, age 65, or recovery; nine month waiting period before premiums are waived.

• Accelerated Benefit--pays up to 100% of the face value in lieu of death benefit if insured’s life expectancy is 12 months or less

• Accidental Death & Dismemberment--coverage matches life amount, with benefit schedule for dismemberment; terminates at age 70

• Life amounts reduce to 65% at age 65; 50% at age 70; and 25% at age 75

• Employees can convert to an individual policy if they leave County employment

• Up to $30,000 of spouse life/AD&D is guaranteed – no evidence of insurability is required – if elected within 31 days of initial eligibility (Evidence of Insurability for coverage over $30,000 for spouse will be required).

• Spouse life coverage may be elected in increments of $10,000 to a maximum of $120,000 or 50% of the employee’s amount of coverage

• Child life coverage may be elected in increments of $2,000 to a maximum of $10,000. All child life is guaranteed if elected within 31 days of initial eligibility. Child Definition: Age 14 days to 19 years or up to age 23 if a full-time student. (Children 14 days to 6 months are covered at 10% of the elected amount.)

Rates:

Employee & Spouse Life/AD&D:

|Age |Employee Life and AD&D |Spouse Life |

| |Rate / $10,000 / Pay Period |Rate / $10,000 / Pay Period |

|Under 24 | $ .45 | $ .30 |

|25 - 29 | .50 | .35 |

|30 - 34 | .60 | .45 |

|35 - 39 | .65 | .50 |

|40 - 44 | .70 | .55 |

|45 - 49 | 1.00 | .85 |

|50 - 54 | 1.40 | 1.25 |

|55 - 59 | 2.50 | 2.35 |

|60 - 64 | 3.80 | 3.65 |

|65 - 69 | 7.15 | 7.00 |

|70 and older | 11.50 | 11.35 |

Child Life:

• $0.26 / per $2,000 of elected coverage

(one premium covers all eligible children in the family)

|For You | |For Your Spouse | |For Your Child(ren) |

|You must purchase coverage on yourself to | |You must purchase coverage on yourself to | |You must purchase coverage on yourself to |

|purchase it for your family | |purchase it for your family | |purchase it for your family |

| | | | | |

|Amount of Coverage | |Amount of Coverage | |Amount of Coverage |

|From $10,000 to $250,000 $10,000 increments | |From $10,000 to 50% of employee’s coverage up | |Dependent Coverage is available for children |

| | |to $120,000 | |under age 19 up to $10,000 in increments of |

| | |in $10,000 increments | |$2,000 |

|Guarantee Issue is $250,000 | |Guarantee Issue is $30,000 | |Guarantee Issue is $10,000 |

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UNUM

Short and Long Term Disability Insurance Highlights:

Unum’s Short and Long Term Disability Income Protection insurance replaces a portion of your income if you are unable to work due to a covered accident or illness. That means you have money coming into you at the time you need it most.

Annual Enrollment: You may newly elect coverage for yourself, however, evidence of good health must be submitted to UNUM for approval by completing a required health questionnaire with your application.

New Hires: Employees are eligible to enroll without providing evidence of good health, however, must elect coverage within their first 30 days of employment.

Long Term Disability Plan:

• 90- day elimination period – you must be disabled 90 days prior to becoming eligible for a benefit

• The Plan pays 60% of your base Bexar County monthly salary to a maximum monthly benefit of $5,000.

• Minimum benefit is the greater of 10% of your base monthly salary, or $100

• Benefits are payable up to age 65

• 3- month lump sum benefit is payable if you die while disabled

• Pre-existing conditions apply.

Short and Long Term Disability Plan:

• 14- Day elimination period – you must be disabled for 14 days prior to becoming eligible for a benefit.

• The Short Term Disability plan pays 60% of your base Bexar County weekly salary to a maximum weekly benefit of $1,000. After 11 weeks of Short-Term Disability benefits, Long Term Disability will begin to pay 60% of your base Bexar County monthly salary to a maximum monthly benefit of $5,000.

• Benefit duration is 11 weeks for Short Term Disability, and up to age 65 for Long Term Disability

• 3- month lump sum benefit is payable if you die while disabled

• No pre-existing conditions apply for STD, however, do apply for LTD.

Rates Vary Based on Salary and Age as of January 1st of each year

 

|Short Term Disability Rates |Long Term Disability Rates |

|Per $100 of covered salary |Per $100 of covered salary |

|AGE |RATE |AGE |RATE |

|< 25 Years |$.55 |< 25 Years |$.20 |

|25 – 29 |$.61 |25 – 29 |$.26 |

|30 – 34 |$.53 |30 – 34 |$.41 |

|35 – 39 |$.47 |35 – 39 |$.59 |

|40 – 44 |$.47 |40 – 44 |$.76 |

|45 – 49 |$.48 |45 – 49 |$1.06 |

|50 – 54 |$.57 |50 – 54 |$1.44 |

|55 – 59 |$.72 |55 – 59 |$1.81 |

|60 – 64 |$.87 |60 – 64 |$1.81 |

|65 – 69 |$.98 |65 – 69 |$2.28 |

|70 + |$.98 |70 + |$2.88 |

Critical Illness Insurance Highlights:

Unum’s Voluntary Workplace Benefits (VWB)--Critical Illness Insurance can help supplement major medical coverage and group disability plans by helping employees pay the direct/indirect costs associated with a critical illness or event.

PLAN FEATURES:

• Voluntary, individual coverage for employees with multiple family coverage options available;

• A lump sum benefit is paid, upon first diagnosis of a covered critical illness or event;

• Coverage is guaranteed renewable as long as premiums are paid and until the benefit amount is paid in full;

• Premiums are paid through payroll deduction;

• The policy is individually owned, which means employees can take their policy with them if they retire or leave the company.

• Health screening benefit writer available.

|Base Plan |

|Enhanced Plan |

1 Evidence of persistent neurological deficits confirmed by a neurologist at least 30 days after the event

2 Undergoing surgery as a recipient of a human heart, lung, liver, kidney, or pancreas

3 Complete and permanent loss of the use of two or more limbs for continuous 180 days as a result of a covered accident

4 Limited to one pay out per lifetime for each covered insured; child coverage payable at 100%

5 Insureds may be eligible for coverage 30 days after the effective date of coverage

Personal Accident Insurance Highlights:

Unum’s Voluntary Workplace Benefits (VWB) Accident Insurance covers a wide variety of injuries and accident related expenses, such as hospitalization, physical therapy, hospital intensive care, transportation and lodging, associated with the loss of income due to a covered on or off-job accident.

PLAN FEATURES

|Accident/Injury Benefit Amount |Accident/Injury Benefit Amount |

|Accidental death (Plans 1 & 2 only) |Doctor's office initial visit $50 |

|employee $25,000 |Emergency Room Treatment |

|spouse $10,000 |(includes X-rays) $150 |

|child(ren) $5,000 |Eye Injury |

|  |requires surgery or removal of foreign body $200 |

|  |Follow-up treatment for accident |

|  |initial follow-up visit $50 |

|Accidental Death-Common Carrier |Fractures |

|employee $50,000 |open up to $5,000 |

|spouse $20,000 |closed up to $2,500 |

|child(ren) $10,000 |chips 25% of closed amount |

|  |Hospital admission |

|  |(per admission) $750 (Plan 3 - $250) |

|  |Hospital confinement |

|  |(per day up to 365 days) $200 (Plan 3 - $100) |

|Ambulance $100 |Hospital intensive care unit |

|air $500 |(per day up to 15 days) $400 (Plan 3 - $200) |

|Appliance $100 |Knee cartilage (torn) $500 |

|  |Exploratory $100 |

|Blood, Plasma, platelets $300 |Laceration $25-$400 |

|Burns |Lodging (per night up to 30 days) $100 |

|Flat amount for 2nd degree for 36% |Loss of finger, toe, hand, foot or sight of an eye |

|or more of body $750 |  |

|3rd degree 9-34 sq. in. $1,500 |Loss of both hands, feet, sight or both eyes |

|3rd degree 35 or more sq. in. $10,000 |or any combination of two or more losses $15,000 |

|skin grafts 25% of burn benefit |  |

| |Loss of one hand, foot or sight in one eye $7,500 |

| |  |

|Catastrophic accident (loss of use of sight, |Loss of two or more fingers, toes or any |

|hearing, speech, arms or legs - Plans 1 & 2 only)* |combination of two or more losses $1,500 |

|employee ................
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