Georgia Breeze Flex Benefits – Life I nsurance

1. Georgia Breeze Flex Benefits – Life Insurance Life Insurance Plans – MetLife • MetLife will replace Minnesota Life • 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 rate will decrease for employee and spouse life • Employee can increase coverage one level without Evidence of Insurability • Increases in coverage for Spouse Life will require Evidence of Insurability • Wavier of premium to the Employee Life product will be reinstated for permanent or total disability which initiate after January 1, 2014

2. Important Note re: Walmart/Sam’s Club Vision 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

3. Accidental Death & Dismemberment Plan AD&D - MetLife • MetLife will replace Minnesota Life • 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

4. Vision Vision – Blue Cross Blue Shield of Georgia • BCBS will replace Spectera as our Vision provider • BCBS will offer additional enhancements to the plan: • Increased out of network benefit towards frames • Coverage for lenses/frames will be based on the calendar year, not every 12 months • Decrease in premium rates • ID Cards will be issued Rates:

5. Short & Long Term Disability Short Term Disability – The Standard • The maximum weekly amount an employee can receive will increase from $800.00 to $1,000.00 Long Term Disability – The Standard • 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

6. Specified Illness Plan Specified Illness Plan – 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 (with 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

7. Spending Account Spending Account – ADP • No Significant changes to the plan • Employees must make an election to continue contributions to the plans for 2014 – Health Care and Dependent Care Spending Account • Employees will be required to make a new election amount in order to keep their Health Care and/or Dependent Care Spending Account • The last deduction for Spending Account will be November 30, 2013 unless a new election for 2014 is made

8. Long Term Care Long Term Care – Unum • Rate increase for current and newly enrolled employees (15%) • The increase will be based on the age coverage was locked in • Unum will issue a package to currently enrolled employees to explain the rate change • For additional information, please contact Unumat 1-800-227-4165

9. Contact Information State Health Benefit Plan (Health Benefit Coordinator) • www.myshbpga.adp.com Georgia Breeze (All FLEX Benefits) • www.GaBreeze.ga.gov or 1-877-342-7339 Blue Cross Blue Shield of Georgia (State Health Insurance Vendor) • www.cbsga.com/shbp or 1-855-641-4862 Healthways(Wellness Vendor) • www.bewellshbp.com or 1-888-616-6411 Express Scripts (Pharmacy Benefit Manager) • 1-877-841-5227

10. Questions ??