Crystal & Company and proudly present: Louisiana Association of Public Charter Schools 2015 Voluntary Benefits Open Enrollment

Innovative, voluntary products are now available through the Louisiana Association of Public Charter Schools: o Allstate Group Accident o Allstate Group Critical Illness o Allstate Group Universal Life o Careington Dental Discount Card o LegalShield ID Theft/Legal Protection o Health Wise  Including Telemedicine, Patient Advocacy, Discount Rx & Discount Vision Programs o Sterling Administration Flexible Spending Account/Child Dependent Care Voluntary Benefits

Lower Group Rates – Pricing for LAPCS as one, large organization versus pricing each school as an independent entity Pays Cash Benefits – In the event of an accident or critical illness, cash benefits paid directly to you will help with out-of-pocket expenses Portable Coverage – You can take the policy with you if you change employers Convenient Payroll Deduction – Premiums are conveniently deducted from your paycheck Advantage of Benefits

Guaranteed-issue coverage for members and dependents Benefits for accidents that occur both “on” and “off-the-job” Premiums don’t increase as members age Coverage for open and closed dislocations and fractures at the same level. Competitors reduce open fracture coverage by 50%. Up to $500 medical expense allowance for ER visits, X-rays and physician visits – most utilized benefit of any accident plan Portable Allstate Accident Protection

2 Plan Options: $10,000 or $20,000 in benefit payout* Benefits paid directly to you Critical Illness Cancer Rider included $50 Wellness Benefit Waiver of Premium - member only Guaranteed -issue Portable *Insured members are eligible for 100% of the benefit amounts listed; covered dependents are eligible for 50% of the member’s benefit amount. Allstate Critical Illness

Up to $150,000 Guaranteed-issue Spouse and Child optional coverage Portable Included: o Accelerated Death benefit for Long-Term Care and/or Terminal Illness or Condition o Total Disability Premium Waiver o Continuation of Coverage During a Strike or Layoff o Dependents may buy coverage without the member being enrolled Allstate Universal Life

Accelerated Death Benefit for Long Term Care-Allows the death benefit of the Group UL certificate to be used to provide monthly benefits for qualified long term care services(confined or non-confined) after the insured has satisfied the 90 day elimination period. Issue ages 18 to 70. Premium per $1,000 varies by issue age and class. Not available for child certificates. Accelerated Death Benefit for Terminal Illness- Advances a portion(up to 75%) of the insured’s death benefit if a terminal illness occurs. Waives future monthly charges when acceleration is elected. Issue ages 0 to 75; terminates at age 93; maximum advanced-$100,000. Continuation of Coverage During Strike or Layoff Rider- Covers a member when he/she is affected by a strike or layoff as defined in the rider. This rider waives the monthly deductions for the certificate for up to six months. Issue ages 18-59, terminates at 60. No additional cost to issue. Must be indicated as elected option on enrollment form. Allstate Universal Life (Continued)

LegalShield Legal Protection Legal Plan: Starting at $15.95/monthly Advise on unlimited number of topics & personal legal matters, even on pre-existing conditions Nationwide access through Provider Law Firm Network Letters and phone calls on your behalf Contract and document review (up to 15 pages) 24/7 emergency access for covered situations Online access to legal forms and videos No claim forms, no deductibles

IDShield: Starting at $14.95/monthly Credit report and personal credit score Continuous monitoring with safety alerts Identity consultation and restoration services Investigator insights and tips Legal Plan + IDShield = Starts at $25.90 per month IDShield Identity Theft

Dental discount plan – no qualifying required Unlimited plan usage, with no administrative forms to file Save 20% to 50% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentals, root canals, and crowns 20% savings on orthodontics including braces and retainers for children and adults Membership can include family members Starting at $5.95 per month Careington500 Dental Plan “These discounts are sure to have you smiling.”

For only $9.50 per month, Health Wise covers an entire household Coverage Includes: o Telemedicine - Teledoc o Patient Advocacy – Kare360 o Discount RX Program – Care RX o Discount Vision Program – Outlook Vision Health Wise

Teladoc – Telemedicine: o Unlimited free consultations for the entire family o Consult with board certified, U.S.-based doctors o Diagnosis and treatment, including prescription medication when needed, for common illnesses o Avoid long waits and expenses of visiting ER, urgent care or doctor’s office Health Wise: Teladoc

Kare360 - Patient Advocacy Services: o Locate a doctor who can focus on your unique healthcare needs o Provide cost estimates so you’ll know what to expect o Schedule doctor’s office visits, labs and imaging o Help resolve issues with health insurance benefits o Bill negotiations o Surgery Cost Saver for quotes on surgery at five centers Health Wise: Kare360

CareRx Discount Prescription Program: o Receive discounts of up to 75% on generic and name brand prescription medication o Discount accepted at over 56,000 pharmacies nationwide o Discount Prescription Card can be used immediately – no waiting periods or annual maximums o Many medications qualify for discounts Health Wise: CareRx

Outlook Vision Program: o Savings on regular retail price of eyewear – including prescription glasses, contacts and non-prescription sunglasses o Over 11,800 optical locations nationwide o Discounts on eye examinations o Discounts can be used for entire family Health Wise: Outlook Vision

Flexible Spending Account (FSA) through Sterling Administration o Healthcare FSA – Tax free reimbursement for medical expenses during plan year not covered or reimbursed by health insurance  Maximum 2015 contribution $2,550  Includes expenses for medical, dental and vision for member and family  Rollover up to $500 of unused funds to following plan year o Dependent Care FSA – Tax free reimbursement for childcare or daycare expenses  Both parents must be working  Limit: $2,500 or $5,000 if filing separately or married Flexible Spending Account

Minimize Your Financial Risks Associated With Real Life Situations How would you and your loved ones be able to pay for all of life’s unexpected? Do you have high deductibles? Identify additional needs in coverage by using the handy Benefits Planner. Need assistance? Simply call a licensed enrollment specialist to walk you through today’s unexpected by dialing (844) Are You Protected If the Unexpected Happens?

Our Enrollment Specialists are here to assist you in identifying your needs and explaining your new voluntary benefits. When you have a better understanding of your family’s needs, is here to assist with your benefits enrollment. Feel free to call us toll-free: We are open 5 days a week Monday - Friday from 8 a.m. - 5 p.m. CST All enrollments are conducted by a licensed Enrollment Specialist electronically, leaving the hassle of paperwork behind! Here’s How to Enroll

Open Enrollment Posters: Look for posters to be posted in your work area that include dates of Open Enrollment, call center phone number and hours, as well as featured benefits. Benefits Guide: A Benefits Guide explaining all your insured and non-insured benefits will be available electronically via Open Enrollment : Begins November 2, During this enrollment period, it will be your responsibility to contact an Enrollment Specialist to enroll in your selected benefits. Welcome Call: School administrators will receive a call from an Enrollment Specialist to confirm participation, collect employee information and discuss available benefits. What to Expect Next

Now we’ll open the presentation up for questions. Questions?