Annual Enrollment for Plan Year 2014

1. Annual Enrollment forPlan Year 2014

2. 2014 Annual Enrollment Dates: • Monday, October 21st* - Friday, November 8th** * Opens at 1:00 a.m. EST **Closes at midnight

3. Plan Changes for AE 2014

4. Plan Design/Premium Changes for AE 2014 • Life Plans – MetLife • New! Effective January 1, 2014, Metlife will be replacing Minnesota Life as the State of Georgia’s Life Insurance provider • Employee’s current coverage of employee/spouse/child life with Minnesota Life will be honored by Metlife • Metlife will offer two additional enhancements to the plan: • Up to 10x Employee Life coverage • Maximum coverage for employees will increase to $2 million • Premium rates will decrease for employee life and spouse life

5. Plan Design/Premium Changes for AE 2014 • Life Plans – MetLife • For this Annual Enrollment – Employees will have the option of increasing one level of coverage without requiring Evidence of Insurability (EOI) • Increases of more than one level will require EOI • If Denied, the requested coverage will be approved to one level greater than the employee’s current level of coverage • Employees currently with “No coverage” can elect 1x Employee Life without Evidence of Insurability • Increases of more than one level will require EOI • If Denied, the employee will be guaranteed 1x coverage • Increases in coverage for Spouse Life will require EOI

6. Plan Design/Premium Changes for AE 2014 • Life Plans – MetLife • Waiver of Premium to the Employee Life product will be reinstated for permanent or total disability which initiate after January 1, 2014 • Paper process for employees to complete • Employee must initiate the process after meeting the 180 day qualifying period • Copy of the form will be available on the Gabreeze, DOAS, and Team Georgia web sites

7. Plan Design/Premium Changes for AE 2014 • Life Plans – MetLife • Additional benefits to those enrolled in the Life product • Will Preparation • Estate Planning • NOTE: These benefits are offered by Metlife through Hyatt Legal Services, however, this is separate from the benefits provided under the Legal Plan

8. Plan Design/Premium Changes for AE 2014 • Accidental Death & Dismemberment Plan – MetLife • New! Effective January 1, 2014, Metlife will be replacing Minnesota Life as the State of Georgia’s AD&D provider • Employee’s current coverage of AD&D with Minnesota Life will be honored by Metlife • Metlife will offer additional enhancements to the plan: • Up to 10x AD&D coverage • Maximum coverage for employees will increase to $2 million • Amount payable for loss of an arm or leg will increase to 75% of coverage

9. Plan Design/Premium Changes for AE 2014 • Vision – Blue Cross Blue Shield of Georgia • New! Effective January 1, 2014, BCBS of Georgia will be replacing Spectera as the State of Georgia’s vision provider • BCBS will offer two additional enhancements to the plan: • Increased out-of-network benefit towards frames • $130 under the Select Plan • $150 under the Select Plus Plan • Coverage for lenses/frames will be based on the calendar year, not once every 12 months • Decrease in premium rates

10. Plan Design/Premium Changes for AE 2014 Vision – BCBS of Georgia (Select Plan)

11. Plan Design/Premium Changes for AE 2014 Vision – BCBS of Georgia (Select Plan) Discounts: Standard Factory Scratch Resistant Coating, Tint (Solid & Gradient), Polycarbonate lenses for children under 19 years old, and Transitions lenses are also included for children under 19 years old as a standard benefit

12. Plan Design/Premium Changes for AE 2014 Vision – BCBS of Georgia (Select Plus Plan)

13. Plan Design/Premium Changes for AE 2014 Vision – BCBS of Georgia (Select Plus Plan) Discounts: Standard Factory Scratch Resistant Coating, Tint (Solid & Gradient), Polycarbonate lenses for children under 19 years old, and Transitions lenses are also included for children under 19 years old as a standard benefit

14. Important Note re: Walmart/Sam’s Club providers • Most Walmart/Sam’s Club are out-of-network providers; completion and sub-mission of the claim form below is required to receive the in-network benefit

15. Important Note re: Wal-Mart/Sam’s Club providers

16. Plan Design/Premium Changes for AE 2014 • Vision – BCBS of Georgia • New premium rate structure for the Select Plan • You Only $4.54 • You + Spouse $9.49 • You + Child $9.92 • You + Family $13.37 Admin fee is included in amount

17. Plan Design/Premium Changes for AE 2014 • Vision – BCBS of Georgia • New premium rate structure for the Select Plus Plan • You Only $7.73 • You + Spouse $16.80 • You + Child $17.57 • You + Family $23.90 Admin fee is included in amount

18. Plan Design/Premium Changes for AE 2014 • Disability Plans – The Standard • For Short Term Disability • The maximum weekly amount an employee can receive will increase from $800 to $1,000 • For Long Term Disability • Rates will slightly increase • LTD will go from a pre-tax to an after-tax structure • Benefits received by employees who go out on LTD will no longer be considered taxable income

19. Plan Design/Premium Changes for AE 2014 • Specified Illness Plans – CAIC • The automatic child benefit under Specified Illness has increased to 50% of the employee’s selected coverage amount • Employees who elect the Select Plus Plan (w/Accident Rider) will receive $160 for any qualified Health Wellness screenings • Newly added illnesses covered under the Child benefit • Cystic Fibrosis • Cerebral Palsy • Cleft Lip or Cleft Palate • Spina Bifida

20. Plan Design/Premium Changes for AE 2014 • Spending Accounts– ADP • The URL for Spending Accounts will be updated to reflect the branding change from SHPS to ADP • New URL: https://myspendingaccount.adp.com • The old URL will remain active until the end of the year

21. Plan Design/Premium Changes for AE 2014 • Spending Accounts– ADP • NOTE: There is a significant change to the FSA plans. If an employee has a current contribution for 2013, it will not automatically rollover into the new plan year. • Employees must make an election to continue contributions in the FSA plans for 2014 (Dependent Care & Health Care) • Employees will be required to make a new election amount in order to keep their Health Care and/or Dependent Care Spending Account active • The last deduction for Spending Accounts will be November 30th unless a new election for 2014 is made

22. Plan Design/Premium Changes for AE 2014 • Long Term Care – Unum • Average rate increase for current and/or newly enrolled employees of 15% for PY 2014 • Increase will be based on the age coverage was locked in • Unum will issue a packet of information to currently enrolled employees on or after September 1st to explain the rate change • Employee options • Take no action • Decrease coverage • Elect the Contingent Non-forfeiture Benefit (form included in packet) • Employees can go to the website: unuminfo.com/sogor contact Unum at 1 800-227-4165 for additional information

23. GaBreeze Website Reminder for AE 2014 • GaBreeze Confirmation Number • Employees will receive a Confirmation Number upon successful completion of their online Annual Enrollment on the Completed Successfully page on the GaBreeze Website • Additional changes will be permitted online during the remainder of the Annual Enrollment period. • Employees will retain the same Confirmation Number • Date/Time Stamp will update to reflect the most recent completion • Employees should print a copy of the Confirmation Number page for their records

24. Support Avenues (Employees/Participants) Benefits Call Center 1-877-342-7339 Monday – Friday, 8:00 am – 5:00 pm ET excluding holidays GaBreeze Website www.gabreeze.ga.gov Link on Team Georgia Flexible Benefits tab

25. Final Questions and Follow-ups