GLTCLH Presentation – 12/ Presentation on the Georgia Tech Group Long-Term Care Insurance (GLTCI) Plan Enrollment Period: April 12, 2010 to May 7, 2010 Plan Effective Date: June 1, 2010 Group Long-Term Care Insurance is underwritten by John Hancock Life & Health Insurance Company, Boston, MA

GLTCLH Presentation – 12/ Agenda What is long-term care? How much do long-term care services cost? Who pays for long-term care services? What is long-term care insurance? How can this plan help me? How do I qualify for benefits? What do I need to know about the Georgia Tech Group Long-Term Care Insurance Plan?

GLTCLH Presentation – 12/ What is long-term care? Long-term care is personal care or supervision needed by persons of all ages for an extended period of time It may be needed due to an accident or illness, or the effects of aging Some conditions that may require long-term care include: – Head Injury – Multiple Sclerosis – Parkinson’s Disease – Stroke – Heart Disease – Alzheimer’s Disease

GLTCLH Presentation – 12/ $0 $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 What does it cost? This comparison is based on a projected 4.1% annual growth compounded 1 *Rounded to the nearest $5. Source: 2008 JH Cost Care Survey is baseline: National Average Annual Home Health Care Cost = $29,640; National Average Annual Nursing Home Cost = $75, Projected increase is based on a 4.1% rate of inflation as measured by the Consumer Price Index between $29, $44, $250, $112, $75, $98,950 National Average Annual Home Health Care Cost National Average Annual Nursing Home Cost

GLTCLH Presentation – 12/ John Hancock Cost of Care Map Interactive Map

GLTCLH Presentation – 12/ Who Pays for Long-Term Care Services? Out-of-Pocket Medicare Medicaid Private Insurance

GLTCLH Presentation – 12/ Health Care Retirement Portfolio Protection of Retirement Portfolio Premature Death Dental Income Replacement Personal Assistance What is long-term care insurance?

GLTCLH Presentation – 12/ Health Care Retirement Portfolio Protection of Retirement Portfolio Premature Death Dental Income Replacement Personal Assistance What is long-term care insurance? 401(K) Program Group Long-Term Care Insurance Plan Group Life Plan Group Dental Plan Group Disability Plan Employer Assistance Plan Group Health Plan

GLTCLH Presentation – 12/ How can a long-term care insurance plan help me? Long-term care insurance: Helps pay for the care that can allow you to stay in your own home Helps protect your assets Helps protect your family from the caregiving burden Provides you and your family with support and assistance during a long-term care event

GLTCLH Presentation – 12/ You must be determined to be dependent in 2 out of 6 Activities of Daily Living or Cognitively Impaired How do I qualify for benefits? The Activities of Daily Living are: You must satisfy the 60 day Qualification Period only once while continuously insured ContinenceTransferring ToiletingDressing BathingEating

GLTCLH Presentation – 12/ The Georgia Tech Group Long-Term Care Insurance Plan – Care Coordination Care Coordination is available to help you and your family throughout your claim. Care Coordinators are experienced registered nurses and social workers who: — Verify eligibility for benefits — Offer information about local resources (not managed care) — Provide assistance throughout the life of the claim — Facilitate access to a network of discounted providers

GLTCLH Presentation – 12/ The Georgia Tech Group Long-Term Care Insurance Plan – Plan Features In addition to nursing home care and alternate care facility care, the coverage includes benefits that help you stay in your own home: — Home and Community Professional Care — Stay-at-Home Benefit — Informal Care Benefit — Hospice Care — Enhanced Home Care if benefit eligible prior to age 65 — Alternate Plan of Care

GLTCLH Presentation – 12/ You Have Three Decisions to Make About the Coverage Decision 1 $150 $200 $250 Daily Maximum Benefit (DMB) Options $273,750 $365,000 $456,250 Lifetime Maximum Benefit (LMB) 5-Year Option $300 $547,500 Decision 2 $164,250 $219,000 $273,750 Lifetime Maximum Benefit (LMB) 3-Year Option $328,500 $350 $638,750 $383,250 $100 $109,500 $182,500 $6,000 Stay at Home Benefit $7,500 $4,500 $3,000 $9,000 $10,500

GLTCLH Presentation – 12/ You Have Three Decisions to Make About the Coverage Benefit Levels at a Glance $6,000 Stay at Home Benefit Informal Care Daily Maximum Benefit $50* Lifetime Maximum Benefit – 5-Year Option $365,000 Nursing Home Daily Maximum Benefit $200 $150 Home & Community Professional Care Daily Maximum Benefit *Subject to a calendar year maximum of 30 x the Informal Care Daily Maximum Benefit. Alternate Care Facility Care Daily Maximum Benefit $200

GLTCLH Presentation – 12/ You Have Three Decisions to Make About the Coverage Decision 3: Inflation Protection The coverage also offers you a choice of two inflation protection features to help your coverage keep pace with rising costs: Future Purchase Option Automatic Consumer Price Index

GLTCLH Presentation – 12/ Automatic Consumer Price Index vs. Future Purchase Option – A Premium Comparison Time Future Purchase Option (FPO) Automatic Consumer Price Index (ACPI) Premiums by Year FPO Lowest initial premium Most flexible – can accept or decline each offer Benefit increases will track inflation (as measured by the CPI) Premiums do not increase as benefit levels rise Benefit levels will increase, even if on claim ACPI Offers opportunity to increase benefit levels by 10% every 3 years, without proof of good health* *Not available if you are age 85 or older, or if benefits have been payable under your coverage in the two years prior to the increase effective date, or if your coverage is in reduced paid-up status.

GLTCLH Presentation – 12/ Summary of Plan Decisions 1) Daily Maximum Benefit 2) Lifetime Maximum Benefit 3) Your Inflation Protection Option – Future Purchase Option (FPO) – Automatic Consumer Price Index (ACPI)

GLTCLH Presentation – 12/ The Georgia Tech Group Long-Term Care Insurance Plan – Plan Features The coverage offers features that focus on family: Respite Care (outside of the Stay-at-Home Benefit) Temporary Bed Holding Benefit Caregiver Support Services available to non-insured family members* *Caregiver Support Services is made possible through a partnership between John Hancock and CHCS Services, Inc. and may be discontinued in the future.

GLTCLH Presentation – 12/ The Georgia Tech Group Long-Term Care Insurance Plan – Plan Features The plan includes features that provide additional value: Restoration of Benefits Portability International Coverage Waiver of Premium

GLTCLH Presentation – 12/ Why Apply Now? Automatic Acceptance – no proof of good health required* Premiums are based on your current age Premiums do not increase because of age, illness, or use of benefits *For faculty and staff who enroll by May 7, 2010

GLTCLH Presentation – 12/ Applying for Coverage – Faculty & Staff All actively-at-work faculty and staff who enroll between April 12, 2010 and May 7, 2010, receive automatic acceptance. Enrolling is easy: – Enroll online through the Georgia Tech Group Long-Term Care Web site or – Complete the enrollment form in the enrollment kit Faculty and staff must be actively at work on their effective date of coverage Active faculty and staff will pay premiums through payroll deduction

GLTCLH Presentation – 12/ Applying for Coverage – All Other Applicants Eligible group: Retirees, Surviving Spouses, Spouses or Qualified Domestic Partners, Parents, Parents-in-law, Grandparents, Grandparents-in-law, Siblings, Adult Children All members of the eligible group can apply by completing the Statement of Health Application in the enrollment kit or by downloading the application online Spouses and Qualified Domestic Partners of active faculty & staff will pay premiums through payroll deduction All other members of the eligible group will pay premiums through automatic bank withdrawal or direct billing

GLTCLH Presentation – 12/ Why the Georgia Tech Group Long-Term Care Insurance Plan? The Georgia Tech Group Long-Term Care Insurance Plan offers: Automatic acceptance (Eligible faculty & staff must be actively at work on their effective date of coverage) Portability Coverage for care in your own home Benefits that can keep pace with inflation Coverage that can be used in all 50 states or anywhere else in the world Rates that do not increase because of age, illness, or use of benefits A long-term care support network Negotiated provider discounts

GLTCLH Presentation – 12/ Why John Hancock? John Hancock is a subsidiary of Manulife Financial Corporation, which is the largest life insurance company in North America based on market capitalization, as of 12/31/08 1 A long-term care insurance industry leader Financial strength Cutting edge plan design 1 Thomson Reuters 2/28/09

GLTCLH Presentation – 12/ Contact Information Page (username: gatech; password: mybenefit) Monday through Friday; 8:30 am – 6:30 pm EST