Employer Presentation March 2011 HumanaDisability for Small Business (2-9 Employees) Insured by Kanawha Insurance Company. Benefits may vary by state and may not be approved in all states. GNHH1MDHH – 3/2011

2 One of the most significant benefits a company can provide to its employees is protection against a potentially devastating loss of earning power due to a serious accident or a major illness. A worker entering the workforce today faces a 30 percent chance of becoming disabled for three months or more. Social Security Administration Fact Sheet January, 2009 Help your employees plan for the unexpected HumanaDisability

3 Disability coverage provides income replacement for your employees, allowing them to focus on recovering and getting back to work and on with their life. A disabling sickness or injury can have major impact to your employee’s finances and your business. In a small company, one person makes a huge difference, Humana’s Return-to-Work incentives and rehabilitative services get employees back to work as soon as possible. -Helping to control lost productivity -Reduces lost revenues -Saves costs of temporary employees The need for disability coverage

4 HumanaDisability makes it easy for you to offer your employees disability coverage. We make your employee’s care and recovery our priority by: -Managing an employee’s disability from start to return to work -Doctors and specialists are available, helping employees return to health and work -Efficient claims services and benefit payments -Robust benefit offering, with guarantee issue * Why HumanaDisability

5 Attractive plans and benefit levels -Available to groups with two or more eligible employees * -Guarantee issue for groups with four or more eligible employees ** -Non-contributory plans (2-9 group size) -Contributory plans (6-9 group size) -Active full time employee working a minimum of 30 hours per week -60% of the employee’s basic monthly earnings -Age Banded Rates * Subject to participation requirements **All groups with less than four lives require Evidence of Insurability Humana STD, LTD plan features

6 Range of covered benefits -Accident, Sickness (including maternity) -Disabilities incurred on or off the job Elimination period -Choice of 90 or 180 days on LTD -Choice of 1/8, 8/8, 15/15, 30/30 on STD Humana STD, LTD plan features

7 Flexible definition of a disability that lets employees satisfy the Elimination Period with a loss of duties only Flexible monthly benefit -Guarantee issue amount - $3,000 * -Up to $6,000 monthly maximum benefit (based on top three salaries) Benefit duration -Social Security Normal Retirement Age Benefits -Five-year duration Humana’s LTD product is carefully designed to emphasize ability, not limitations. It addresses employees' need for a secure income and your need for the best possible outcome at work. Humana LTD plan features * Subject to participation requirements All groups with less than four lives require Evidence of Insurability

8 Partial Disability/Return to Work Incentive Survivor benefit – 3 times monthly benefit Employee Assistance Program(non-contributory plan) -Unlimited telephonic counseling, and three face-to-face counseling sessions Return to Work Services -Team of professionals actively guide and encourage employees to return to work -Bonus for completing a rehabilitation program -Workplace Modification Reimbursement (for employers) Rate Guarantee – 2 years Humana LTD plan features (cont.)

9 Experienced nurses handle the claims, providing compassionate expertise that can reduce durations Guarantee Issue Amount – up to $1,000 Flexible weekly benefit –Minimum $25 up to a maximum of $1,000 (based on top three salaries) Total and residual disability coverage When employees are unable to work because of a disabling injury or illness, STD goes to work for them, replacing part of their income. Humana STD plan features

10 Simple brochure with application (employer and employee versions) Prepopulated paper application No medical exam required Only a few medical questions Standard Evidence of Insurability form We’ve made it easier for your small business to access a quality disability plan, one that offers many of the same features and benefits that larger companies have access to. Marketing materials

11 Financially strong carrier recognized for service, with four decades of employee benefits experience –Highly engaged service associates –Ranks No. 74 on Fortune 500 Professional, consultative sales team Receive multi-product discounts Total benefits expertise brings additional depth to our product offerings Insured by Kanawha Insurance Company. Benefits may vary by state and may not be approved in all states. Why partner with Humana

12 Insured by Kanawha Insurance Company. Benefits may vary by state and may not be approved in all states. GNHH1MDHH – 3/2011