1. Voluntary Employee Benefits Program
presentation for
American Pharmacists Association
June 2012

2. Term Life Insurance Accidental Death benefit available.
Elect benefit amount to protect your family’s financial security.
Accidental Death benefit available.
Waiver of Premium rider available.
Coverage is portable.

3. Critical Illness Insurance
Choose dollar amount that pays out when diagnosed with heart attack, stroke, major organ transplant, end stage renal failure, etc..
Pays annual wellness test of $50.
Spouse coverage available.
Children coverage at no additional cost.
Coverage is portable.

4. Accident Insurance
Pays lump sum benefit when accident occurs off the job.
Benefit covered include hospitalization, emergency room visit, dislocation, fractures, burns, ambulance, and several other benefits.
Employee, employee/spouse, one parent family, and/or two parent family.
Coverage is portable.

5. Long Term Care Insurance
Choose $1000 increments up to the maximum benefit amount of $9,000 a month.
Choose two year, six year, or lifetime facility benefit duration.
Coverage is portable.

6. Veterinary Pet Insurance (VPI) Plans

7. Available Plans *Premium is based upon: Species Age of pet Breed
Type of plan selected
State of residence
Typical monthly cost is $21-$37

8. Optional
Wellness
Coverage

9. How VPI Works Step 1 Beau’s race against time Step 2 Step 3
Pay for your pet’s treatment at the time of service.
Step 2
Fax or mail our easy-to-use claim form along with your receipts.
Step 3
After meeting your policy’s annual deductible, you are reimbursed according to your plan’s benefit schedule.†
Our one-page claim form makes filing claims easy and you can track your claims online through our VPI Policyholder Portal.
Beau’s race against time
After eating pieces of a toy car, Beau was rushed to the veterinarian’s office. The diagnosis was grim: Beau needed immediate surgery to save his life. The veterinarian removed 42 metal toy race car pieces—plus a dish towel.
“I’m so glad I have VPI. Needless to say, I’ve gotten better at keeping track of my dish towels and making my son pick up his toys. Thank you, VPI, for taking
care of the rest.”
~ The Choate Family
Foreign body ingestion†
†VPI benefit schedules identify the amount that is available for exam fees, diagnostics, medications, surgeries and other treatments. The benefit schedule is also available online at petinsurance.com.

10. Choose from two convenient ways to sign up:
Easy for Employees to Enroll
Choose from two convenient ways to sign up:
Call 877-PETS-VPI and mention you are an employee of APhA to receive a group discount on your base medical policy. Or
and enroll online. The rates given will include your group discount.

11. “Affordable Legal Protection You Can’t Afford To Be Without”
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12. The United Legal Benefits Plan
All Legal Matters are covered by the Plan
(Except Disputes with APhA – of course!)
Similar structure to Health Insurance - but with attorneys --- not doctors.
You select your legal services provider from the ULB network of Independent Local Law Firms
Develop a personal and long-lasting relationship with your attorney
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13. The United Legal Benefits Plan
All Legal Matters are Covered
(Remember the exclusion – APhA!)
Many - No Additional Charge
All Others - Discounts of 25% or 30%
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14. Membership Cost $17.50 per month
Family Coverage – Member, Spouse, Dependents
Minimum 12 Month Membership Required
Portable Benefit
NOTE:
The average cost of an attorney in Maryland is almost $300 per HOUR.
The actual cost of membership in the ULB Plan is only $210 per YEAR.
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15. “No Additional Charge” Services
Unlimited Advice & Consultation
On phone or in office – You & your attorney decide
Preparation of Legal Documents
Wills, Medical Directives, Powers of Attorney
Explanation & Review of Documents
Leases, Mortgages, Refinancing Agreements
Representation
Serious Traffic Matters, Juvenile Matters, Adoptions
All for Less Than 1/2 Cost of A Cup of Coffee per Day!
(1/4 - If its Starbucks!)
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16. All Other Legal Services Discounted
Attorneys have set fees and rates for certain legal services
ULB Plan members receive guaranteed discounts - Set Fee Matters 30% - Hourly Rate 25%
Recovery Fees - 33% Maximum
No waiting periods, No deductibles, No Claim forms
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17. Easy to Use Contact your attorney whenever you have a question or need
Identify yourself as a member of United Legal Benefits
Client / Attorney Privilege Protected
Totally Confidential
Call your attorney whenever a need arises, discuss it by phone or set-up an appointment to privately meet with a Plan attorney.
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18. A Financial “No - Brainer” ?
The preparation of a simple wills, powers of attorney and advance directives may cost up to $1,000.
The commitment to become a member of ULB for the minimum one year period is only $17.50 per month.
“ Why not enroll now?”
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19. How to Sign-Up
Simply fill out the enrollment application which can be found in your enrollment packet or on the ULB website:
Select your ULB Plan law firm from the list of Participating Firms.
Return it to your H. R. Department.
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20. Affiliated ULB Memberships
Family Members / Friends
Parents / Non-Dependent Children
Retirees
Same Group Rate - $17.50 per month
Checks or credit/debit cards are accepted
Once your membership is effective, you can start using the benefits immediately
No claim forms, deductibles or co-pays
Benefits can be used as often as necessary by you and your family
The best point is NO HASSLE
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21. Please take this opportunity to enroll in the Unum Voluntary Benefits, Veterinary Pet Insurance and United Legal Benefits programs being offered today. Please contact an NES benefits counselor at to enroll in these valuable benefits.