2 3 4 5 Sources 65 Over Next 19 Years - U.S. Dept. of Commerce, Economics and Statistics Administration. U.S. Census Bureau, May 2010. “The Next.

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Sources 65 Over Next 19 Years - U.S. Dept. of Commerce, Economics and Statistics Administration. U.S. Census Bureau, May “The Next Four Decades – The Older Population in the U.S.: ; Affordable Care Act = ”Patient Protection and 15% Demand Increase – CBO Budget Outlook Trillion Healthcare Cost = Centers for Medicare & Medicaid Services. National Health Expenditure Data, Travelers Medical Advantage - Proven Results: –Travelers Data Based on Services paid in 2010, evaluated as of 2011 –Travelers Data Based on 2012 accidents evaluated as of 12/31/12 –Travelers Data Based on accidents evaluated as of 12/31/12 –AM Best 5 Year History Report AM Best Line : Workers Compensation; State: All; Company Group: All; Summary Lines: All; Writers: All; First Party: All; Comm Lines Incl: All –NCCI WC Prescription Drug Study Update – August