Metropolitan Life Insurance Company New York, NY 10010 L0306D3IV(exp0505)MLIC-LD

1. Metropolitan Life Insurance CompanyNew York, NY 10010L0306D3IV(exp0505)MLIC-LD Multi-Life Discount Program Long-Term Care Insurance made available through your Employer Welcome! ADF#1134.03

2. Long-Term Care Insurance • Valuable New Benefit Available • Additional Premium Discount • Choice of Individual Policies • Enrollment Open to Employees, Retirees, Spouses, Parents, Grandparents, in-laws, and step-parents

3. What is Long Term Care? • The type of care needed if you can no longer perform normal activities of daily living, like bathing, eating or dressing or if you need supervision by another person because of a severe cognitive impairment, such as Alzheimer’s disease • LTC is provided in many different settings, such as: Assisted Living Facilities Nursing homes • BUT, most often: At Home

4. What Can Cause Someone to Need Help With Activities of Daily Living? • Accidents • Diseases (Parkinson’s, etc.) • Disabilities • Stroke • Cognitive Impairment • Normal Aging Do you know anyone that requires Long-Term Care?

5. MYTH #1 “It won’t happen to me.”

6. Who Will Need Long-Term Care? • In fact, anyone can need Long-Term Care at any time. • In 2005, “about nine million men and women over the age of 65 will need long-term care.”* • The U.S. General Accounting Office stated that nearly 40% of people age 65 now will spend some time in a nursing home* • Approximately 30% of the people who have a stroke every year in our country are under age 65** *HIAA, A Guide to Long-Term Care Insurance, 2002 **American Heart Association Study, 2002.

7. MYTH #2 “I’m already covered.”

8. Long-Term Care is Not Routinely Covered by Medical Insurance or Medicare • Individual Medical Plans • Group Health Plans • HMOs (Regular or Medicare) • Medicare • Medicare Supplement • Disability Income Insurance

9. MYTH #3 “My Family Can Take Care of Me.”

10. Sociological Changes: The “Sandwich Generation” • Families in Transition • Women at Work • Divorce • Delayed Childbirth

11. Today’s Working Caregivers • In a study of Working Caregivers,* those surveyed said they made at least one formal adjustment to their work schedule as a result of caring for a partner or other family member: • 16% - Quit Their Job • 20% -Cut Back to Part-Time • 22% - Took a Leave of Absence * The MetLife Juggling Act Survey, Balancing Caregiving with Work and the Costs Involved, MetLife Mature Market Institute, November 1999.

12. MYTH #4 “I can’t afford long-term care insurance.”

13. Most People Cannot Afford NOT to Have Long-Term Care Insurance 1) MetLife Market Survey of Nursing Home and Home Care Costs, April 2002 2) ”Can Aging Baby Boomers Avoid the Nursing Home?”, Stucki, B. and Mulvey, J., American Council of Life Insurers, March 2000, page 15

14. Compare the Cost of LTC Insurance to the Cost of Care Average Cost of LTC Services Cost of LTC Insurance VS. *Ideal Plan , $100 DBA, 2 year Benefit Period, 100% Home Care, 100 Day Elimination Period, No Inflation Note: See Outline of Coverage or Product Brochure for Policy limitations and exclusions **Mature Market Institute, “MetLife Market Survey on Nursing Home and Home Care Costs,” 2003 ***ACLI Study, “Can Aging Boomers Avoid the Nursing Home?” March, 2000

15. The Multi-Life Long-Term Care Insurance Discount Program • Who is eligible to apply • Plan Details • Underwriting • Advantages of applying NOW

16. Who Is Eligible To Apply? • Employees • Actively at work on Original Coverage Date • Works minimum of 30 hours per week • Retirees • Current spouses of employees and retirees • Parents, parents-in-law, grand-parents and step-parents of employees and retirees

17. What Else Do You Need to Know? • Qualified relatives can apply even if the employee or retiree they’re related to does not • Minimum age: 18 years • Maximum age: 84 • Each person applies individually

18. Decisions Applicant Needs to Make • 1.Comprehensive or Facilities-Only • 2. Daily Benefit Amount • 3. Benefit Period • 4. Elimination Period • 5. Benefit Increase Riders • 6. Optional Riders

19. Decision #1 Comprehensive or Facilities-Only • Choice of Comprehensive or Facilities-Only

20. Covered Services of the Comprehensive Plan • Nursing Home • Assisted Living Facility/Residential Care Facility • Hospice Care in a facility • Respite Services in a facility • Plus • Home Care • Adult Day Care • Hospice Care at home • Respite Services at home The types of facilities covered may vary by state

21. Decision #2 Daily Benefit Amount (DBA) • $50 - $400 per day in $10 increments • The Plan covers the cost of your care: • Up to 100% of the DBA for care received in a nursing home, assisted living facility* and for hospice facility care or facility respite services** • Comprehensive plans only - Choice of up to 50%, 75% or 100% of the DBA for home care and adult day care (and assisted living facility in Value Plan) *In Value Plan, ALF covered at HHC percentage **Respite Care pays maximum of 21 days per year

22. Decision #3 Benefit Period • 2 Years • 3 Years • 4 Years • 5 Years • 7 Years • Unlimited

23. Calculating Your Total Lifetime Benefit • DBA x Benefit Period (in days) = Total Lifetime Benefit Example: $100 DBA x 1,095 days (3 years x 365 days) = $109,500 The Unlimited Benefit Period has no Maximum Lifetime Benefit.

24. How Long Will Your Benefits Last? • Assumptions: • DBA: $100 • Benefit Period: 3 years • Total Lifetime Benefit: $109,500 • Reimbursement Plan* *Indemnity Plan would pay full DBA in #2 and your benefits would last 3 years.

25. Decision #4 Elimination Period • The number of days you must be eligible for benefits and receiving covered services in some plans before benefits are payable under this Program* • 20 days • 45 days or • 100 days Need to meet only once in your lifetime *Calendars days are counted instead of services days in one of the plans

26. Decision #5 Benefit Increase Options • Automatic Compound Inflation Option (ACI) • Automatic Simple Inflation Option (ASI) • or • Future Purchase Option (FPO)

27. Automatic Inflation Options • Benefits will automatically increase by 5% compounded annually (current DBA) or 5% Simple annually (original DBA) for the life of the coverage • Premiums do not increase even though your benefits do

28. Guaranteed Renewable/Portable • Coverage can’t be cancelled as long as you pay your premiums • Coverage is portable

29. How to Qualify for Benefits You must need help to perform at least 2 activities of daily living for an expected period of at least 90 days • Bathing • Dressing • Transferring (yourself from bed to chair) • Toileting • Eating • Continence OR • You must have a Severe Cognitive Impairment

30. Discounts Available • Discounts: • Spousal - 20% (both apply and are approved) • Marital - 10% (both do not have to apply) • Residential - 10% (2 or more people living in same home, both apply and are approved - e.g. siblings, domestic partners) • Preferred - 15% (N/A with Simplified Issue) • Maximum Discounts • 30% with Spousal • 20% with Marital/Residential • Multi-Life Discount - 5%

31. What You Need to Know About Premiums • 100% voluntary paid • Premiums are based on your age when you buy • Premiums do not increase simply because you get older • Rates are per person • 5% Multi-Life Discount applied after all other discounts • Maximum Discounts • 33.5% with Spousal & Preferred • 24% with Spousal only

32. Underwriting Requirements • Underwriting is the process of reviewing your health status to determine whether you qualify for coverage • You must complete an application • Medical Records and Nurse Interviews will be required for applicants over age 65

33. Why I Should Apply NOW • Enrollment Period can be up to 90 days • May require additional underwriting if you wait • Premiums increase as you get older

34. MetLife Group Long-Term Care Insurance List of Corporate Customers