1. 2011 Benefits Connection renewal and open enrollment is April 1 st

2.  Providing solutions to small businesses since 1980  History of below regional rate increases  Despite recent economic downturns, our group enrollment has grown  Our plans have continuously been on the cutting edge of the next trend  We represent strong, respected insurance carriers  Benefits Connection is the largest ‘association’ plan in Delaware

3. Average from 2000-2011 is 7.15 % for medical 201112% 20107% 20099% 20081% 20077% 20066% 20057% 20042% 200314% 200211% 20016% 20004%

5. Medical Coverage  Blue Cross Blue Shield of DE  AmeriHealth Dental  Delta Dental  Dominion Dental  United Concordia Vision  Davis Vision (for BCBS members)  VSP (available for all members)

6. Life and Disability  Prudential Life Ins Co  Harleysville Life Ins Co Supplemental Products  AFLAC Workers Compensation  Starr Insurance (Meadowbrook Insurance Co.)

7. Medical Coverage HMO, POS, EPO, HSA, HRA Plans

8. Dental Coverage PPO and DHMO Plans

9. Vision Coverage

10. 2011 Life and Disability § Prudential Life & Short Term Disability 2011 increase is ZERO for Disability 2011 increase is ZERO for Life § Harleysville Life, Short & Long Term Disability. Rates apply per group.

11. Coverage lines available include  Cancer Reimbursement  Short Term Disability Insurance  Accident & Sickness  Life Insurance  Hospital Confinement

12. 1. Complete Group Census and Wellness Forms. 2. We will submit information to the insurance companies. 3. We will present all available plans and costs to you. 4. Hold enrollment meeting, complete applications and pay first month premium. A quoting package can also be found on our website at www.ChamberBenefitsConnection.com

18. Our Wellness website will provide: A Health Risk Assessment, this will help provide a basis health status report. A more extension assessment will be available at the member’s cost, with Cardio Kinetics or Christiana Care. Educational classes will be provided on a quarterly basis. Links to various sites for:Nutrition Fitness Education Weight Loss Stop Smoking and other additions Stress Management Disease Management Heart Disease, High Blood Pressure, Diabetes, Asthma, and so on.

19. Once again, it is our pleasure to bring a new and valuable benefit to the members of the Benefits Connection. We are proud of the various programs that are offered to our members to continue to improve their wellness. Click on the apple above to enter our Wellness website. Please know that all health related information remains confidential and that no one at the Benefits Connection will have access to any of the data you provide.

20. www.AllenInsurance.com www.ChamberBenefitsConnection.com