2013 Open Enrollment Presentation Rev. 10/17/2012

Agenda Introduction to Gallagher Benefit Services Changes Things you can do to help……… Health Care Reform Important Information Explanation of each benefit plan Premiums

Introduction to Gallagher Benefit Services Account Manager – Ken Dodge Account Coordinator – Blake Strotkamp Your Benefit Advocate Center   Phone: (800) 492-8005 Email: Austin.GBS.CustomerService@ajg.com Fax: (512) 233-0102 Hours of Operation: Monday - Friday 8:00 a.m. - 5:00 p.m. CST Advocate Center Unit Leader– Sherrie Johnson   Page 1 of your booklet

Changes for 2013 Re-Introduction of Co-Pays for doctor visits Allstate products no longer being payroll deducted New Aflac products being offered to replace Allstate All other coverage remaining the same!!

What Can you and Your Family do to Help? To help keep our health care costs lower for the 2013 plan year use your health plan wisely. Walk-in Clinic vs. Urgent Care vs. Emergency Room Preventive Care will help to keep our health care costs lower. Continue to use In- Network providers. Ensure you and your family take advantage of the in-network preventive coverage as it’s paid at 100% - no co-pays, no deductibles to meet. Be sure you and your family stay compliant with your follow up visits, lab tests and medications as directed by your physician. Get your Dental and Vision checkups!

Health Care Reform Impacts of HCR in 2011 Lifetime maximum eliminated on all plans Children can stay on Medical plan until age 26 regardless of student or marital status Pre-existing Condition exclusions eliminated for children up to age 19 Eliminate annual dollar limits on “essential benefits” Health Care Flexible Spending Account effective July 1, 2012 Annual limit reducing to a maximum of $2,500 (HCR) 2012 W-2’s Issued January 2013 Your benefit value will be shown in a new box on the W-2 Form (HCR) Future 2013 Enhanced Women’s Preventive Services (PPACA) Uniform Summary of Benefits and Coverage Document (PPACA) 2014 Pre-Existing Exclusion will no longer apply to anyone effective 2014 (HCR)

Annual Open Enrollment The Open Enrollment period this year will offer you the opportunity to enroll in, renew, or change your Medical, Dental, Vision, Voluntary Life, Short Term Disability, Long Term Disability, and/or Section 125 coverage(s) (Flexible Spending Account and Dependent Care Account). Open Enrollment for 2013 will be held October 10 through November 9, 2012. The new benefit plan will be effective January 1, 2013. Forms will be due November 9th. Eligibility: New employees of AMERISAFE, Inc. are effective the first of the month following or coinciding with 90 days of continuous service. You are eligible if you are a full-time employee regularly scheduled to work at least 30 hours a week. Individuals may make changes or add dependents without having to provide proof of insurability on certain coverage during the open enrollment period. The open enrollment period is the only time employees may enroll in the above listed coverage without the occurrence of a qualifying event (see definition on next slide). Page 3 of your booklet

Annual Open Enrollment – continued.... Making Enrollment Changes During the Year: In most cases, your benefit elections will remain in effect for the entire plan year. During the annual enrollment period, you have the opportunity to review your benefit elections and make changes for the coming year. You may only make changes to your elections during the year if you have one of the following status changes: Marriage, divorce or legal separation (if your state recognizes legal separation); Gain or loss of an eligible dependent for reasons such as birth, adoption, court order, disability, death, or reaching the dependent child age limit Significant changes in employment or employer-sponsored benefit coverage that affect you or your spouse’s benefit eligibility. Your benefit change must be consistent with your change in family status. Official proof of status change will be required along with the eligibility change. See your Benefit Summary for more information on Family Status Changes.

Benefits and Customer Service Information Page 2 of your booklet

Important Information / Terms & Conditions Please refer to pages 3, 4, & 34 – 37 in your booklet for important notices regarding specific benefits! Pages 3 - 4 of your booklet

Medical - Aetna Office and RX Co-Pays apply towards your out-of-pocket payment limit! Pages 5 - 11 of your booklet

Medical - Aetna Office and RX Co-Pays apply towards your out-of-pocket payment limit! Pages 5 - 11 of your booklet

Medical - Aetna Office and RX Co-Pays apply towards your out-of-pocket payment limit! Pages 5 - 11 of your booklet

Medical - Aetna Office and RX Co-Pays apply towards your out-of-pocket payment limit! Pages 5 - 11 of your booklet

Mail Order saves everyone money! Medical - Aetna Mail Order saves everyone money! Office and RX Co-Pays apply towards your out-of-pocket payment limit! Pages 5 - 11 of your booklet

Aetna HealthFund to Benefit Systems, Inc. Important Note! Claims reimbursed by Benefit Systems, Inc. may NOT be submitted to your Flexible Spending Account for reimbursement!   Pages 12 of your booklet

If you haven’t registered before, now is a great time to do so.... Aetna Online! Aetna Navigator is your secure member site where you can find many of the things you’re looking for right at your fingertips! If you haven’t registered before, now is a great time to do so.... Pages 13 - 14 of your booklet

Dental – Staying with United Concordia Pages 15 - 16 of your booklet

Vision Page 17 - 18 of your booklet

Life & Voluntary Life Special Annual Enrollment does not apply to previously declined members or dependents! Pages 19-20 of your booklet

Voluntary Short and Long Term Disability ALERT! Special Enrollment! Page 24 - 25 of your booklet

GAP Plan Page 23 - 24 of your booklet

Voluntary Long Term Care Page 25 - 28 of your booklet

Voluntary Aflac Products See the Aflac presentation located on the Intra-net for more information! Page 29 - 30 of your booklet

Dependent Care Limit remains $5,000 Section 125 IRS regulations state the new maximum annual contribution to your Flexible Spending Account is $2,500! Dependent Care Limit remains $5,000 Page 31 of your booklet

Employee Assistance Program Confidential!! Free to all household members! Not just for “counseling” Page 32 of your booklet

Premiums Page 43 & 44 of your booklet

QUESTIONS? Things to Remember Open Enrollment is 10/10 – 11/9/12. Please turn forms in no later than Friday, November 9th so we will have all systems updated on January 1st. This year’s Open Enrollment is MANDATORY, so we need ALL employees to complete the online enrollment process. If you have forms to complete, fill out all forms completely. Now is the perfect time to update beneficiaries on your Life insurance! Contact your Gallagher Benefits Advocate Hotline with any questions you or your family may have about the benefits at 800-492-8005 or Rebekah Fontenot in the Benefits Department. QUESTIONS?