Employee Benefit Enrollment 1610 East Third Street Williamsport, PA - PowerPoint PPT Presentation

Employee Benefit Enrollment 1610 East Third Street Williamsport, PA 17701 570-322-1880 www.rochefinancial.net

Long Term Disability Option 1 Option 2 60% of Monthly Earnings, Max 60% of Monthly Earnings, Max • • $6,000 Monthly Benefit $6,000 Monthly Benefit Elimination Period -180 Days** Elimination Period -180 Days** • • Benefit Period –5 Years/SSFRA Benefit Period –SSFRA • • Pre-Ex –3/12 Pre-Ex –3/12 • • Disability Insurance Helps Cover: Lost Wages • Living Expenses • Mortgage/Rent • Utilities • Food • Child Care • Pet Care • **Benefits for this plan will begin AFTER all short term disability, sick time and vacation time have been exhausted

Schuylkill Intermediate Unit EXAMPLE: Individual Age 50 with $50,000 Salary Worksite Disability Long Term Insurance Coverage for Eligible Employees Bi-Weekly Payroll Deduction Illustration About your benefit options: • Amounts not requested timely will require Evidence of Insurability. • Maximum benefit amounts are based upon a percentage of covered earnings. Potential benefits are reduced by other income offsets including but not limited to Social Security Benefits. • Maximum benefit periods that are based on Social Security Full Retirement Age (SSFRA), are payable under the contract based on your age at time of disability and may vary in duration. Elimination Period Maximum Benefit Duration Pre-Existing Condition Period Worksite LTD Option 1: 180 days/180 days 5 years/SSFRA 3/12 Your benefit is based on 60% of your Basic monthly earnings only, up to a maximum monthly benefit of $6,000. Your Estimated Bi-Weekly Premiums: Maximum Monthly Benefit $2,500 Deduction Amount $4.91 Elimination Period Maximum Benefit Duration Pre-Existing Condition Period Worksite LTD Option 2: 180 days/180 days SSFRA 3/12 Your benefit is based on 60% of your Basic monthly earnings only, up to a maximum monthly benefit of $6,000. Your Estimated Bi-Weekly Premiums: Maximum Monthly Benefit $2,500 Deduction Amount $8.23 *Above estimates are based on a covered monthly earnings of $4,167.00 at age 50.

Aflac Highlights • Rate stable/guaranteed renewable • No coordination of benefits • Portable • Pays cash directly to you for you to use for whatever you see fit

Cancer Insurance • 38% of Americans believe they might never financially recover from a battle with cancer. • Average cancer claim last year paid out a $22,000 tax- free benefit • Benefits include initial diagnosis, chemo/radiation, oral medication, surgeries, transportation, etc • ฀ National cancer Institute states that major medical plans only cover 34% of total cancer costs. They do not pay hotel charges, phone, mortgage, utilities, etc. • ฀ Children cover at no additional cost

Accident Insurance • 24/7 coverage on or off the job- can cover spouse and children up to the age of 26 • Benefits begin from the initial visit and then can go on to include physical therapy, follow up visits, hospitalization, surgery benefits and even an accidental death benefit! • ฀ Wellness benefit to keep policyholders healthy and catch problems early • Aflac’s most popular plan because it’s used more frequently than any other

Critical Care Insurance • Fact: About every 34 seconds, someone suffers a heart attack; About every 40 seconds, someone suffers a stroke • This policy is designed to help cope with the costs associated with stroke, heart attack, coronary artery bypass surgery, end-stage renal failure and more • Pays lump-sum benefit upon diagnosis of a covered event; lump-sum increase for dependent children • Pays benefits for hospital confinement, continuing care, transportation, and lodging

Hospital Indemnity Plan New benefit offering this year! • Designed to help with out-of-pocket costs associated with hospitalization for injury or illness- including child birth • Pays $1,000 per person for an inpatient stay (24 hours plus) for a covered incident • Does not coordinate with any other benefits • Buy up options could include physician visits, surgical benefits, as well as, a daily hospital confinement benefit.

Roche Financial Representatives will be available to meet with each of you VIRTUALLY so that you can elect the benefits that meet your individual needs: A link will be provided to you after the group meeting to schedule your virtualappointmentforoneofthefollowingdates: 8/19, 8/20, 8/21, or 8/24/20 Benefit Elections will go into effect September 1 st , 2020. Please sign up! Roche Financial, Inc. Joseph McGinty 1610 East Third Street Aflac Williamsport, PA 17701 610-336-4900 570-322-1880 joseph_mcgintyjr@us.aflac.com www.rochefinancial.net