DENTAL, LIFE/DISABILITYSUPPLEMENTAL BENEFITS

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Presented by: Jim Johnston Don Easter

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IBBP Dental Plans and EyeMed Vision Discount Program

Dental Plans Information IBBP insures nearly 8,000 employees in

the dental plan program.

Three dental plans to choose from. Employers with 10 or more eligible employees may offer employees up to two plans; employers with 50 or more eligible employees may offer three.

Premium increases have been on average 2% or less for the last three years.

Same eligibility as health plan (IBBP)

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Dental Plan I $1500 maximum coverage/person/contract year Included coverage for:

Teeth straightening (50% coverage, $2000 lifetime max)

Dentures and Bridges Gum and Bone Disease

Pays 100% UCR of check-ups & teeth cleaning (2x year) Crowns covered at 80% - most plans are not as

generous. Also covered at 80%: Routine and Restorative Services;

Root Canals (Endodontic); Most Periodontal Services; High Cost Restorations; Routine Oral Surgery

**All plans include a $25/person deductible, which is waived for check ups and teeth cleanings, as well as other preventive services.

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Dental Plan II $1500 maximum coverage/person/contract year

This plan also is available for retirees (age 55+)

Pays 100% UCR of check-ups & teeth cleaning (2x year)

Crowns covered at 80% - most plans are not as generous.

Also covered at 80%: Routine and Restorative Services; Root Canals (Endodontic); Most Periodontal Services; High Cost Restorations; Routine Oral Surgery

**All plans include a $25/person deductible, which is waived for check ups and teeth cleanings, as well as other preventive services.

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Dental Plan III $1000 maximum coverage/person/contract year

Pays 80% UCR of check-ups & teeth cleaning (2x year)

Crowns covered at 80% - most plans are not as generous.

Also covered at 80%: Routine and Restorative Services; Root Canals (Endodontic); Most Periodontal Services; High Cost Restorations; Routine Oral Surgery

**All plans include a $25/person deductible, which is waived for check ups and teeth cleanings, as well as other preventive services.

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Dental Plan Enhanced Benefits Program

Links Medical Conditions and Dental Benefits

Directs Preventive Care where it’s needed most

Based on research supported data from emerging science

Enrollment is easy for participant No age requirements Patient may be subscriber, spouse

or other covered dependent

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Dental Plan Enhanced Benefits Program

Enhanced Benefits Program Coverage

Cleanings

PregnancyOne additional cleaning during pregnancy

Diabetes Up to four cleanings per benefit year

Advanced Periodontal Disease Up to four cleanings per benefit year

High-Risk Cardiac Up to four cleanings per benefit year

Suppressed Immune System Up to four cleanings per benefit year

Kidney Failure or Dialysis Up to four cleanings per benefit year

Cancer Related Chemotherapy and/or Radiation Up to four cleanings per benefit

year

Dental Plan Enhanced Benefits Program

Program begins January 1, 2012 Participants go to Delta Dental of

Iowa website to enroll (www.deltadentalia.com)

Participants may also ask their dentist to notify Delta Dental

Available on all three plans offered by IBBP

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Delta Dental Website

Subscriber Connection View claims / benefits / eligibility

Read dental health tips Search for a dentist and link to a

map with driving directions Go to www.deltadentalia.com to

register!

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Delta Dental Plans & Competition

Major Restorative Services

Delta Dental CompetitionCast Restorations 1 every 5 years 1 every 10 yearsCrowns 1 every 5 years 1 every 10 yearsInlays 1 every 5 years 1 every 10 years Onlays 1 every 5 years 1 every 10 yearsPosts and Cores 1 every 5 years 1 every 10 years

Members would be responsible for 100% of the cost for these services with competition.

Costing the member many more dollars depending on the services.

*Source: Delta Dental of Iowa

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Delta Dental Plans & Competition

Premier Network (1,452 Dentists – 93% participation rate)

IA Network: 1,679 Dentist locations National Network: 184,000 Dentist

locations

No Balance Billing Provisions for Delta Dental Premier

*Source: Delta Dental of Iowa

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EyeMed Free Vision Discount Available to all members covered under IBBP Dental

Plans.

Features: Discounts on eye exams; Discounted pricing for lenses and lens options; Savings on frames and conventional contact lenses; Discounts on LASIK and PRK

Unlimited use and competitive pricing on contact lenses through Contact Lens by Mail

Access to large, diverse network of providers including LensCrafters®, Sears Optical®, Pearl Vision®, and Target Optical® among many others.

* This is not an insurance plan.

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Group Term Life InsuranceAdditional Life InsuranceMed Ex Travel AssistShort Term DisabilityLong Term Disability

Group Term Life Insurance• Available to employees working 20+ hours/week (Employer may set higher)

• Available in increments of employees salary (up to 6x) to a maximum of

$500,000 per employee.

• Rates are based on the average age of each

individual Bank’s employee base.

• IBBP presently insures over 8,000 employees in our Group Term Life

insurance program.

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Group Term Life Insurance• Coverage is convertible or portable to

either permanent or term insurance without medical evidence at termination of employment.

• Beginning at age 65; individual coverage amounts begin to reduce in an effort to control increasing cost of

the coverage to the entire group.

• Waiver of premium and Accidental Death and Dismemberment included at

no additional cost.

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Accidental Death and Dismemberment

• Included at no additional cost to Bank / employee.

• Full amount of AD&D is paid if there is loss of life or loss of multiple appendages.

• One-half amount of AD&D is paid for loss of one appendage.

• Extra seat belt provision – If you are killed in an accident while wearing your seat belt,

the company will double your accidental death benefit up to $50,000.

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Additional Group Term Life Insurance

• Available in increments of the employees salary (1, 2, or 3x) to a maximum of

$200,000 per employee.

• Paid for by the employee.

• Rates are based on the actual age of the employee.

• Insurance amount based on current salary.

• 1x available w/o evidence of insurability when first eligible. Late enrollees and

requests for 2x and 3x require submission of satisfactory E of I.

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Dependent Life Insurance• The Bank has two plan choices available.

$10,000 for spouse / $5,000 per child. ($2.15/mo)

$25,000 for spouse / $10,000 per child.($4.30/mo)

• The employee then has two additional plan choices that can replace the Bank’s choice:

$35,000 for spouse / $10,000 per child. ($6.15/mo)

$50,000 for spouse / $10,000 per child. ($8.05/mo)

• Increasing dependent coverage requires submission of satisfactory evidence of insurability.

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MEDEX® Travel Assist • Provides assistance, referrals,

transportation and evacuation services for travelers.

• Offers pre-travel assistance• No enrollment necessary. All employees

with an IBIS GTL plan (including spouse and children under 19 or through age 24 if

a registered full time student) are automatically enrolled.

• Most services available if you are 100 or more miles from home.

• All services provided by MEDEX Assistance Corporation.

• *This is not an insurance plan.

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Short Term Disability• Benefits become payable when

employee becomes disabled as a result of a non-work related accident/illness.

• Benefit amount is equal to 60% of weekly salary to a maximum of $1,000

benefit per week.

• Coverage provided 24 hrs per day / 365 days per year.

• Benefits will be subject to FICA and withholding taxes if provided 100% by

the employer.

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Short Term Disability• Four plan choices differentiated by the elimination period and duration

of benefit. 1st day accident / 8th day illness / 13

weeks 31st day accident / 31st day illness / 13

weeks

1st day accident / 8th day illness / 26 weeks

31st day accident / 31st day illness / 26 weeks

Also, there are different maximums for coverage:

$500/week or $1000/week

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Long Term Disability

• Benefit amount is equal to 66 2/3% of monthly gross salary with a maximum

benefit of $8,000/mo.

• Benefits begin on either the 91st (LTD90) or 181st day (LTD180) for accident and

sickness.

• Benefits are integrated with government programs such as Social

Security and Worker’s Comp.

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Long Term Disability

• You are considered disabled if, as a result of sickness, injury, or pregnancy, you are

unable to perform with reasonable continuity the material duties of your own

occupation during your benefit period.

• Benefits will continue to be paid to age 65, or your Social Security Normal

Retirement Age (SSNRA), or longer if a full-time employee.

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Supplemental Benefits

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Supplemental BenefitsInsurance provided by American Heritage

Life Insurance Company, a member of Allstate Benefits

Available for any individuals age 18 – 65

Coverage can be written on:• Employee only• Spouse only• Family unit

Coverage is portable.Available on a payroll deductible basis.

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Cancer and Specified Disease Insurance

Helps financially protect those with a family history of cancer.

Benefit payments go directly to the insured.Helps minimize the non-reimbursed expenses

such as travel, lost wages, special diets, in-home care, deductibles, co-insurance, co-

payments, etc.Provides benefits from diagnosis through

treatment.• Hospitalization related• Transportation and lodging• Extended care• Wellness benefit• “Basic” plan cost - $18.96/mo.

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Accident Insurance

Protects against the financial strain of work loss due to an accident.

Helps cover bills during work leave due to an accident including, car payments, card

payments, mortgage/rent payments, and other recurring expenses.

• Covers the “full cycle” of the accident.• 24 hour coverage

• Built in accidental disability benefitCovers everything from an accidental death

to a broken finger.Cost for individual coverage - $26.12/mo

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Critical Illness Insurance

Three different “buckets” of benefits available

• Benefits for Heart related illness• Benefits for major disease related illnesses• Benefits for cancer initial diagnosis

Coverage purchased in lump sum amounts from $5,000 - $50,000

Wellness benefit included

Coverage available for individual, single parent family, or full family.

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Heart / Stroke Insurance

Pays benefits for the necessary care and treatment of a heart attack or stroke, and other conditions directly caused or aggravated by heart diseaseCoverage begins prior to diagnosis and

continues through treatment.Coverage for:

• Hospitalization• Surgery• Second opinions• Transportation and Lodging• Cost of “Basic” plan - $17.96/mo

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Life Insurance

Universal Life Insurance• Available in increments of $10,000 from

$10,000 to $150,000.• Can build cash value with current

interest rates.• Living benefit rider included

Term Life Insurance• 20 year term period• Insurance amounts beginning at

$10,000.• Does not generate cash value• Living benefit rider included.

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