1. Benefit Meeting - 2011

2. Employee Benefit Review Review your current benefits program Discuss your benefits program for 2011 Assist you in the selection of all benefits

3. Benefits Program - 2011 * Medical Insurance / 2 Options * Long Term Disability * Voluntary Benefits * Vision Insurance * Dental Insurance * Flexible Spending Account * Life Insurance

4. Blue Cross / Blue Shield Lifetime Max Unlimited Employee Only Ded Employee & Family Ded Employee OOP Max EE & Family OOP Max $1,000 $2,500 $2,000 $5,000 80% Co-Insurance In-Network – (P) (Option #1)

5. Blue Cross / Blue Shield Physician Co-Pay Lab/X-rays Hospital Admission Outpatient Service Prescription Medication Emergency Room In-Network - ( P ) Out Of Network $25 Co-Pay Ded & Co-Insurance Ded & Co-Insurance $10 / $35 / $50 Ded & Co-Insurance 60% After Ded Wellness 100% Covered $250 Co-Pay (Option # 1) Specialist Co-Pay $50 Co-Pay

7. Blue Cross / Blue Shield Lifetime Max Unlimited Employee Only Ded Employee & Family Ded Employee OOP Max EE & Family OOP Max $2,500 $2,500 $5,000 $5,000 100% Co-Insurance In-Network – (P) (Option # 2 – HDHP / HSA Compatible)

8. Blue Cross / Blue Shield Physician Visit Lab/X-rays Hospital Admission Outpatient Service Prescription Medication Emergency Room In-Network – (P) Out Of Network Ded & Co-Insurance Ded & Co-Insurance Ded & Coinsurance Ded & Co-Insurance Ded & Co-Insurance 60% After Ded Wellness 100% Covered Ded & Co-Insurance (Option # 2 – HDHP / HSA Compatible)

13. Medical Insurance (BC/BS) * See Employer or Benefit Counselor for rates on each plan. Cost savings recognized by ClearView Baptist Church on Option 2 – HSA plan can be passed on to the employee in the form of deposits into an eligible employee’s HSA.

14. Life & AD&D Insurance (Guardian) * See Employer for Exact Benefit Amounts 100% Employer Paid

15. Long Term Disability (MetLife) *180 Day Elimination Period * 60% of Earnings to a max. monthly benefit of $6,000 Special Note: This is a tax free benefit . * Benefit Duration to Age 65 or Normal Retirement Age 100% Employer Paid

16. Dental Insurance - Voluntary (Delta Dental) Deductible – 3 Per Family $50 Per Person Preventive Services 100% / 100% Basic Services 90% / 80% Major Services 60% / 50% Benefit Year Maximum $1,000 Orthodontia Coverage 50% up to $1,000 lifetime maximum (Dependent Children to age 24) In Network / Out of Network

17. Dental Insurance - Voluntary (Delta Dental) $ 14.04 $ 58.45 Employee Cost $ 28.66 Employee + One Dependent Employee + Family Employee Cost - Per Pay Period

18. Vision Benefits - Voluntary ( Guardian – VSP Network ) 1 Vision Exam – Calendar Year $10 Co-Pay / $46 Max Benefit 1 Set of Lenses – Calendar Year $25 Co-Pay / See Schedule (Including bifocal, trifocal ) Contact Lenses $25 Co-Pay / See Schedule (In lieu of eyeglasses – Every 12 months) 1 Set of Frames $25 Co-Pay / See Schedule (Every 24 months)

19. Vision Insurance - Voluntary ( Guardian – VSP Network ) $ 3.86 $ 7.95 Employee Cost $ 7.63 Employee / Spouse Employee / Child(ren) Employee & Family $ 11.33 Employee Cost – Per Pay Period

20. Health care Flexible Spending Accounts help manage the costs of health care... D ental products and procedures -- including orthodontia. V ision products. M any prescription drugs. G eneral physicals and well-baby care. Over-the-Counter drugs Flexible Spending You may place up to 3,500 per year in the flex plan.

21. Dependent care FSAs help manage the costs of caring for dependents... Children under 13 / Parent or Spouse who is incapable of caring for themselves You may place $2500 in to the account if you file single You may place $5000 in to the account if you are married & file jointly

22. Any funds deducted but not used during the plan year are forfeited. Proper Planning Is Key! $1,600.00 Total annual deduction for FSA $ 370.00 Amount spent by end of plan year $1,230.00

24. Short Term Disability Life Insurance COLONIAL LIFE Accident Coverage Cancer Insurance Critical Illness Medical Bridge – (2 Options)

25. Would It Be A Problem If I Didn’t Get A Paycheck For A While ? How Will I Pay My Bills?! Short Term Disability

37. Pre Tax Illustration Without With Sec 125 Sec 125 Gross Pay Per Pay Period 400.00 400.00 Insurance (pretax) 0.00 50.00 Taxable Amount 400.00 350.00 Federal Tax 45.58 38.08 FICA 30.60 26.78 Insurance 50.00 0.00 Net Pay $ 273.82 $ 285.14 Savings from Tax Reduction 11.32 Total Annual Savings 588.64

38. How to make the most of YOUR individual enrollment meeting Paperwork (Election Forms) Questions & Answers Individual Meetings Company Personal Spouse Inventory Existing Coverage

39. Benefit Statement This will show each employee the “Hidden Paycheck,” their annual benefit costs and yours. * No Additional Cost

40. Meetings: Thursday, Dec. 2 nd @ 8:00 Every One Must Sit Down With An Enrollment Counselor Due To Section 125 IRS Regulations * Update your address and deduction information * Receive your Benefit Statement