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  1. Employee Benefits Program Welcome to online enrollment July 1, 2011 – June 30, 2012 Plan Year

  2. Agenda • Introduction & Benefits at a Glance • Enrollment Options • Website Portal • Benefit Review • Coresource – Wellness and Chronic Disease Management • Filing Claims • Timeframe Windows and Contact Information

  3. Carolina Beverage Benefit Plans The Benefits Program provided by The Company reflects our ongoing commitment to provide you with a competitive benefits package. This includes offering useful and innovative tools so that you can use your benefits to your greatest advantage. Our goal is to make your benefits easier to understand with information available to you and your family wherever you are, whenever you need it.

  4. Health w/prescription Dental Employee Life Voluntary Term Life UL Life Short Term Disability Long Term Disability Accident Critical Illness/Cancer Benefits at a Glance Notify HR at 704-603-0322 of Qualifying Events Qualifying Event – Beneficiary Change, Birth/Adoption, Change in Insurance Coverage, Change of Address, Death in Family, Dependent Child Eligible for Other Insurance Plans or Reaches Limiting Age of 26, Divorce/Annulment or Legal Separation, Marriage, Retirement, Spouse Loss of Other Coverage, Any Error Corrections or Changes.

  5. Enrollment Options • Online Enrollment – www.allstateatwork.com/benefitsselection/enroll Pin: Last 4 digits of your SSN + last 2 digits of your birth year • Call Center Enrollment – Benefit Advisors are available at 866-620-9417 to answer your questions and electronically enroll you in your benefits. • On Site – You will receive information from our HR department about when and where onsite Benefit Advisors will be available.

  6. Website Portal • Tim Muir to work on - can add additional slides as needed. • Should go over website map - where to find forms, benefit statements, etc. • Are you going to change the log-in page to show some information?

  7. Carolina Beverage PPO Plan The PPO Plan provides a full range of covered medical benefits. • With a PPO, you have a choice each time you need care. You must use providers in the PPO network or pay higher out-of-pocket costs. • You do not need to choose a Primary Care Physician.

  8. Medical Schedule of Benefits

  9. For plan participants who reside in North or South Carolina To find a plan provider under the MedCost PPO, visit the website below. www.medcost.com For plan participants who reside outside of the Carolina’s visit www.firsthealth.com Finding a Plan Provider

  10. Dental Schedule of Benefits Benefits are based on the 90th percentile of Reasonable and Customary

  11. Basic Life and AD&D Insurance We all want the best for our loved ones, especially if the unexpected should happen. Life insurance provides protection for your family in the event that you are no longer able to provide for them. • Carolina Beverage Corporation provides eligible employees with basic life and AD&D (accident death and dismemberment) insurance in an amount equal to $15,000 as of your date of hire. • This benefit is provided at no cost to you. • As an eligible employee you are automatically enrolled, but you will be responsible for designating a beneficiary.

  12. Basic Life and AD&D Insurance Protect Yourself and Your Finances…With FREE access to Will Preparation Services and Theft Protection resources: • Wills, Living Wills, Healthcare Power of attorney, Financial Power of Attorney. • Identity Theft Prevention Kit and Identity Theft Victim Action Kit. • Visit the Benefit Select Forms section for more information.

  13. Optional Voluntary Term Life Insurance Carolina Beverage Corporation also provides the opportunity for you to purchase additional life insurance for yourself, spouse and dependents. All salary and hourly employees are eligible as a new hire or at each Open enrollment. Here’s how it works: • Employees can purchase up to $100,000 in coverage without answering medical questions. $20,000 can be purchased for spouses and $10,000 for dependent children with no medical information required. Please note that employees must purchase life coverage on themselves in order to purchase spousal or dependent coverage • If you do not enroll within 31 days of your first day of eligibility, you will be considered a “late entrant” which may require evidence of insurability • You must select your beneficiary when you complete your enrollment application

  14. Guaranteed Issue Employee: Minimum-$10k Maximum-$300k $100k Guaranteed. Spouse: Minimum-$5K Maximum-100% of employee coverage up to $150k. $20k Guaranteed. Employee coverage is required to elect spousal coverage. Children: $2500 or $10k benefits available.

  15. Allstate Universal Life

  16. Voluntary Short-Term Disability • All Carolina Beverage Corporation eligible associates are offered the opportunity to purchase Voluntary Short-Term Disability coverage. • When eligible, you may purchase coverage in the amount of 60% of your monthly earnings, subject to a maximum benefit of $2500 per month. • Benefits begin for disabilities caused by accident or sickness on the 14th day of partial disability • As long as you remain disabled, Voluntary Short-Term Disability benefit payments will continue for up to 180 days. • Please note that if you enroll after your enrollment period, evidence of insurability will be required for all coverage amounts.

  17. Voluntary Long-Term Disability • All Carolina Beverage Corporation eligible associates are offered the opportunity to purchase Voluntary Long-Term Disability coverage. • When eligible, you will receive a monthly benefit of up to 60% of your pre-disability earnings, subject to a monthly maximum of $5,000. No medical evidence is required if you enter the program as a new hire. Evidence of Insurability is required after initial offer is refused. • You must be disabled for at least 180 days before you can receive a Long-term Disability benefit payment. • Benefit Duration is to Age 65.

  18. Critical Illness & Cancer Policy

  19. Accident

  20. Filing Claims

  21. Time Windows • Open Enrollment for July 1, 2011-June 30, 2012 • May 30, 2011 – June 17, 2011 • www.allstateatwork.com/benefitsselection/enroll • 866-620-9417 – Speak to enroller • Look for schedule of on-site meeting on your bulletin board • New Hires – Eligible for benefits 90 days after hire date. Start enrolling 30 days after hire date. Window will close 120 days after hire date.

  22. Contact Information • Jill Rufty, PHR Human Resources & Safety Director • 704-603-0322 (office) 704-943-0832 (cell) jrufty@cheerwine.com • Ralph Coomer with Coomer Plans – Benefits Advisor • 919-619-0535 (cell) ralph@coomerplans.com • Tim Muir with The Muir Group – Benefits Enroller • 866-620-9417 (toll-free) tmuir@themuirgroup.com • Enrollment/Benefit Forms and Summary Plan Description • www.allstateatwork.com/benefitsselection/enroll PIN – Last 4 digits of SSN + last 2 digits of birth year • CoreSource Third Party Administrator for Medical/Dental Plans • 800-554-4491 www.coresource.com • Caremark Rx Program • 866-644-7527 www.caremark.com • Principal Life and LTD • www.principal.com • Allstate UL Life, STD, Accident, and Critical Care/Cancer • 800-521-3535 • 401K Plans • www.thehartford.com/retirementplans/access

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