Standard Insurance Overview and the Need for Life and Disability Insurance

1. Standard Insurance Overview and the Need for Life and Disability Insurance

2. Why Choose The Standard? • Our values and our client focused culture • A dedicated team that is interested in your needs • An underwriting and pricing strategy that promotes the lowest net cost and long-term relationships • Contractual flexibility • Enhanced contractual features and services that provide additional benefits to your members and their families • A commitment to exceed your expectations

3. Your Plan Group Life and AD&D Features and Benefits Included in quoted plan: • Accelerated Benefit for eligible employees who are terminally ill • Repatriation Benefit up to $5,000 • MEDEX Travel Assist • Electronic Beneficiary Designations • AD&D Family Benefits Package • Seat Belt and Airbag Benefit • Conversion and Portability • Waiver of Premium *Provided by a third-party administrator.

4. Your Plan Group Long-Term Disability Features and Benefits Included: • Return To Work Incentive (allows for up to 100% income replacement between return-to-work earnings and long-term disability benefit during the first 12 months of disability) • Reasonable Accommodation Expense Benefit • Social Security Assistance • Survivors Benefit • One claim form for STD and LTD • Rehabilitation Incentive Benefit (LTD benefit is increased by 10% if in an approved rehabilitation program) • Partial Disability is covered from first day of disability • Continuity of Coverage • Employee Assistance Program* *Provided by a third-party administrator.

5. Your Plan Group Short-Term Disability Features and Benefits Included: • Partial Disability is covered from first day of disability • No pre-existing condition exclusion • Reasonable Accommodation Expense Benefit • Non-occupational coverage

6. Account Service

7. Employee Benefits Manager and Field Service & Underwriting Manager Management oversight of your account Employee Benefits Consultant Your advocate at The Standard Plan and claim trend evaluation and recommendations Local support for on-site consultations Account Manager Day-to-day account service and support Account Service A service team dedicated to you

8. Benefits Administration Our disability management program delivers on the promises made when coverage is purchased. • Supportively pay those who are entitled to benefits in a timely, accurate and sensitive manner • Identify those who can return to work and help them to do so as soon as is reasonable • Uphold the integrity of the contract • Control costs by identifying and combating fraud

9. Benefits Administration When a disability claim is submitted, the employee is placed at the center of everything that we do • Triage – We apply the right resources to each claim • Early intervention – Acting quickly facilitates return to work and correct claim duration • Team approach – Working together eases communication and improves outcomes Vocational Case Manager Physician Consultant Employee Social Security Assistance Benefits Analyst Nurse Case Manager

10. Benefits Administration Our Nurse and Vocational case management staffing model is recognized by a leading human resource consulting firm as an industry Best Practice • Medical and Rehabilitation Experts • Nurse Case Managers • Vocational Case Managers • Mental Health Unit • Medical Director • Consulting Physicians • Social Security Services • Special Investigations Unit • Overpayment Recovery Unit • Employer Tax Services

11. Benefits Administration Disability Claim Process

12. Benefits Administration Life Claim Process

13. Technology and Reporting

14. Technology and Reporting Our AdminEASESM secure Web site streamlines day-to-day plan management • Timesaving efficiencies • Online administration guide • Claim forms for all products • Employer claim submission • Billing and payment details • Access to Reports OnlineSM • Order supplies • Update member information • Resource center • Request Schedule A

15. Positively Different

16. Who Is The Standard? According to our customers, The Standard: • Possesses integrity • Demonstrates expertise • Exhibits commitment • Provides personalized service • Does things differently

17. Who Is The Standard? The Standard is a leader in Employee Benefits • National leader in Disability, Group Life and Dental insurance • Insured first group client in 1951, which remains in force today • The largest subsidiary and core business of StanCorp Financial Group, Inc., a Fortune 1000 company* • Known in the insurance industry for exceptional service and integrity • Committed to serving our customers since 1906 *StanCorp is a separate entity from Standard Insurance Company and is not responsible for The Standard’s financial condition or contractual obligations.

18. Who Is The Standard? We take our commitment to you seriously • We commit to being honest and ethical in all that we do • We commit to focusing on your needs and finding solutions as your needs change • We commit to meeting your needs for communication materials and open enrollment support • We commit to implementing your plan within proposed targets • We commit to accessibility and same day responses

19. Need for Life Insurance • Help protect what is priceless • What would happen if an employee suddenly died? • Could their family live without their income? • Would their family be able to cover the medical expenses associated with a terminal illness? • Would their family be able to cover burial and funeral expenses?

20. Need for Disability Insurance Beliefs about Disability: People insure — Their possessions • Houses • Cars Their lives • Income protection for their survivors Their health But they don't think about insuring or protecting their income.

21. Need for Disability Insurance Disability: The Odds The incidence and consequences of disability are greater than most people think. Consider these statistics: • Almost 3 in 10 of today’s 20 year olds will become disabled before reaching age 67 (Social Security Administration Fact Sheet 2009) • Every 90 seconds in the United States someone files for bankruptcy in the wake of a serious illness (The American Journal of Medicine, Vol 122, No 8, August 2009) • 27 percent of Americans say they would have difficulty supporting themselves financially immediately following a disability. Three out of four (74 percent) say they would face financial trouble within six months (The Disability Survey conducted by Kelton Research on behalf of the LIFE Foundation, April 2009)

22. Need for Disability Insurance How Disability Insurance Helps Disability insurance provides income replacement when insured employees experience a covered illness, injury, or pregnancy. The coverage can help with bills such as mortgage or rent payments, groceries, utilities and tuition – expenses that health insurance won’t cover. Employees • Safeguard lifestyle • Protect loved ones • Peace of mind Employers • Retention/recruiting tool • Good will — when employees understand the benefit, they appreciate the “safety net” • Plan provisions (like Return to Work) can help your valuable employees get back to a more productive and rewarding life