1. Product Training (Revised 11/6/2018)
LifeMap
Product Training (Revised 11/6/2018)
Life is a Journey. Protect it.

2. Life Critical Illness Disability Vision AD&D Individual Dental
Accident
Group Dental
Short Term Medical
Coordinates
Employee Assistance

3. Life Critical Illness Disability Vision AD&D Individual Dental
Accident
Group Dental
Short Term Medical
Coordinates
Employee Assistance

4. Group Term Life Insurance
Provides employees and their families with financial security in the event of the death of the insured

5. Group Term Life Insurance
Provides employees and their families with financial security in the event of the death of the insured
The Employee enrolls during their initial enrollment period (when hired) or an open enrollment.
If application is for an amount under the Guarantee Issue Amount (GI)* there are no medical questions or physical exam.
Companies can choose to also offer coverage for employee’s family members (spouse and children).
Pays a flat benefit amount to the beneficiary when the member dies.
* Guarantee Issue Amount is the amount of coverage a person may receive without submitting Evidence of Insurability**.
** Evidence of Insurability (EOI) is proof of a person's medical history. LifeMap uses the EOI to determine if the person can be approved for insurance.

6. Group Term Life Insurance
Provides employees and their families with financial security in the event of the death of the insured
Features
Affordable
Available as Basic (employer-paid) or Voluntary (Voluntary means the Employee choses to have premium deducted from their paycheck.)
Guarantee Issue amount at open enrollment (Guarantee Issue means that no evidence of insurability is required.)
Benefits
Includes a Beneficiary Assistance Program; provides counseling, financial help and more to the beneficiary when a member dies.
Terminally ill employees, with a shortened life expectancy, may be able to access a portion of their life benefits right away.
An Accidental Death and Dismemberment (AD&D) benefit is available with this product

7. Group Term Life Insurance
Provides employees and their families with financial security in the event of the death of the insured
Highly valued benefit by employees
Companies can offer both Basic and Voluntary options to fit the needs of their employees
Companies can choose the Step-Up Guarantee; this allows employees to increase their coverage during an open enrollment period without submitting EOI
Members gain access to discounts for all kinds of other useful services and products via LifeMap Advantages:
Also included with Group Term Life Insurance is a Travel Assistance program offering pre-travel assistance and medical assistance when away from home

8. Long and Short Term Disability
Helps make up for lost income in the event of disability

9. Long and Short Term Disability
Helps make up for lost income in the event of disability
Employee enrolls during their initial enrollment period (when hired) or an open enrollment
If application is for an amount under the Guarantee Issue Amount (GI)* there are no medical questions or physical exam
Considered “paycheck insurance”…
Ensures an employee will still receive income when they are unable to work due to a disability
Pre-existing conditions may be excluded
* Guarantee Issue Amount is the amount of coverage a person may receive without submitting Evidence of Insurability**.
** Evidence of Insurability (EOI) is proof of a person's medical history. LifeMap uses the EOI to determine if the person can be approved for insurance.

10. Long and Short Term Disability
Helps make up for lost income in the event of disability
Features
Two kinds of disability insurance: Short Term (STD) and Long Term (LTD)
STD is typically up to 26 weeks
LTD is typically up to age 65 or Social Security Normal Retirement Age (SSNRA)
Benefit payments are made weekly for STD, monthly for LTD
Available as Basic (employer-paid) or Voluntary (employee has premium deducted from their paycheck)
Benefits
The benefit is either a flat amount or a percentage of pay
Covers disabilities from illness (including pregnancy) or injuries
If a disabling illness or injury prevents an employee from performing their current job, LTD insurance can include assistance to find a suitable occupation (and/or training) for the employee

11. Long and Short Term Disability
Helps make up for lost income in the event of disability
It eases the burden on employees and their family members if they can no longer work
Nearly 18.5% of Americans are currently living with a disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement
Accidents are NOT usually the culprit. Back injuries, cancer, heart disease and other illnesses cause the majority of long-term absences.
Workers’ Compensation only covers an employee if they get injured or ill on the job. Fewer than 5% of disabling accidents and illnesses are work-related

12. Accidental Death & Dismemberment Insurance
Provides employees and their families with financial security and peace of mind in the event of death by accident or loss of some functions

13. Accidental Death & Dismemberment Insurance
Provides employees and their families with financial security and peace of mind in the event of death by accident or loss of some functions
Employee enrolls during their initial enrollment period (when hired) or an open enrollment
There are no medical questions or a physical exam needed
Basic AD&D only covers the employee
Companies can choose to also offer coverage for employee’s family (spouse and children) on Voluntary
Pays a benefit to the beneficiary if the member dies due to an accident
If a member survives an accident but loses sight or a limb, or becomes paralyzed, the employee may receive a percentage of the AD&D benefit based on the severity of the loss.
AD&D is usually sold as part of the life policy; but, it can also be sold as a stand-alone product

14. Accidental Death & Dismemberment Insurance
Provides employees and their families with financial security and peace of mind in the event of death by accident or loss of some functions
Features
Loss of life or function must occur within 365 days of the accident
Available as Basic (employer-paid) or Voluntary (employee has the premium deducted from their paycheck)
A policy may also offer benefits for child care, education for a spouse and/or dependent children, or a supplemental payment if the member dies as the result of a car accident while wearing a seatbelt
Benefits
The AD&D benefit will be paid in addition to the Life Insurance benefit

15. Accidental Death & Dismemberment Insurance
Provides employees and their families with financial security and peace of mind in the event of death by accident or loss of some functions
Low cost
Accidents are the leading cause of death in the U.S.1
1 Centers for Disease Control and Prevention, “Accidents or Unintentional Injuries,” accessed August 2014

16. Individual Dental Insurance
For individuals and families who lack dental coverage through an employer
We use one of the largest PPO networks in the Pacific Northwest
LifeMap offers three individual dental plans:
Dollar Based Dental
Incentive Dental
Managed Care Dental
Includes option to purchase vision benefit rider
Note: LifeMap Individual Dental does not meet the pediatric mandate for the ACA

17. Available in Oregon, Washington, Idaho, and Utah.
Dollar-Based Dental
For individuals and families who lack dental coverage through an employer
Dollar-Based Dental
The benefit is based on a percentage of the dollar amount paid toward services.
Places dental care back in hands of the patient and the provider.
Very few exclusions (including cosmetic and orthodontic)
No age restrictions and pairs well with Medicare
Available in Oregon, Washington, Idaho, and Utah.

18. Dollar-Based Dental
For individuals and families who lack dental coverage through an employer

19. Please Click here to continue.
Dollar-Based Dental
For individuals and families who lack dental coverage through an employer
Includes incentive for cleanings/exams: receive higher benefits the following year, for the first four years.
Dental care is necessary for overall good health.
Every dollar spent on prevention could save as much as $50 in restorative and emergency treatment.
A vision rider is available to individuals who purchase a dental plan
Members receive a $150 allowance for vision care
They can see any vision provider they choose
Please Click here to continue.

20. Available in Oregon, Washington, Idaho, and Utah.
Incentive Dental
For individuals and families who lack dental coverage through an employer
Incentive Dental
Pays a specified percentage based on type of service
Similar to traditional dental plans
No age restrictions
We utilize the Regence PPO dental network in the core four states
Available in Oregon, Washington, Idaho, and Utah.

21. Incentive Dental Year 1 Year 2 Year 3 Year 4
For individuals and families who lack dental coverage through an employer
$1,500 Annual Max
$1,250 Annual Max
$1,000 Annual Max
100/80/50 Coinsurance
100/80/50 Coinsurance
$750 Annual Max
90/70/40 Coinsurance
80/60/30 Coinsurance
Year 1
Year 2
Year 3
Year 4

22. Please Click here to continue.
Incentive Dental
For individuals and families who lack dental coverage through an employer
Includes incentive for cleanings/exams: receive higher benefits the following year, for the first four years.
Dental care is necessary for overall good health.
Every dollar spent on prevention could save as much as $50 in restorative and emergency treatment.
A vision rider is available to individuals who purchase a dental plan
Members receive a $150 allowance for vision care
They can see any vision provider they choose
Please Click here to continue.

23. Available in Oregon and Washington
Managed Care Dental
For individuals and families who lack dental coverage through an employer
Managed Care Dental
Offered through a partnership with Willamette Dental Group
All services must be conducted by dentists employed or contracted by Willamette Dental Group (dental HMO)
Available only in Oregon and Washington
Available in Oregon and Washington

24. Managed Care Dental
For individuals and families who lack dental coverage through an employer
We do not require utilization reviews or create other barriers to members receiving the necessary treatment. Willamette Dental does require pre-authorizations.

25. Please Click here to continue.
Managed Care Dental
For individuals and families who lack dental coverage through an employer
Dental care is necessary for overall good health.
Every dollar spent on prevention could save as much as $50 in restorative and emergency treatment.
A vision rider is available to individuals who purchase a dental plan
Members receive a $150 allowance for vision care
They can see any vision provider they choose
Please Click here to continue.

26. Group Dental Insurance
Ensures employees and their families get the preventive care they need for their pearly whites at affordable prices

27. Group Dental Insurance
Ensures employees and their families get the preventive care they need for their pearly whites at affordable prices
Employee enrolls during their initial enrollment period (when hired) or an open enrollment
There are three types of group dental plan designs available to employers:
Dental 14: This is a traditional dental plan that pays a specified percentage of the allowed amount based on the type of service for preventive, restorative and major services. Offered as a PPO* or Open Access Plan**
Dollar-Based Dental: Pays benefits based on a % of a dollar amount. Offered as a PPO* or Open Access Plan**
Managed Care Dental: Dental HMO, Offered through a partnership with Willamette Dental Group (WDG), only available in OR
*PPO is a plan that utilizes a network, allowed amounts are based on the negotiated amount for each service
** Open Access is a plan that does not utilize a network, allowed amounts are based on the usual and customary fee for that service

28. Group Dental Insurance
Ensures employees and their families get the preventive care they need for their pearly whites at affordable prices
Managed Care does not require claims submission. We are partnered with Willamette Dental Group and their network of dentists.
Only available in Oregon
The member pays a copayment at the time of service
Dollar-based Dental pays a benefit based on a percentage of the dollar amount toward services.
Available in Oregon, Idaho, and Utah
Very few services are excluded (with the exception of cosmetic dentistry)

29. Group Dental Insurance
Ensures employees and their families get the preventive care they need for their pearly whites at affordable prices
Dental care is necessary for overall good health.
Every dollar spent on prevention could save as much as $50 in restorative and emergency treatment.
Companies have plenty of options for types and amount of coverage and can offer Spousal and Dependent Coverage
We have a big network of providers
We do not require pre-authorizations, utilization reviews or create other barriers to members receiving the necessary treatment.
Employers can also choose to offer coverage for an employee’s family (spouse and children)

30. Vision Care
Provides vision care for employees and their families

31. Vision Care Provided in a partnership with Vision Service Plan (VSP)
Provides vision care for employees and their families
Provided in a partnership with Vision Service Plan (VSP)
Employee enrolls during their initial enrollment period (when hired) or an open enrollment
Member pays a copay at the time of service and has a specific dollar amount to spend on frames (lenses are covered in full when seeing a VSP participating provider)

32. Vision Care Features Affordable
Provides vision care for employees and their families
Features
Affordable
Available as Basic (employer-paid) or Voluntary (employee has premium deducted from their paycheck)
VSP offers one of the largest networks of vision providers in the nation 
Benefits
Employers can choose to also offer coverage for an employee’s family (spouse and children)
In addition to WellVision® Exams and corrective lenses, members have access to additional discounts on sunglasses, special lens treatments, and even laser vision correction

33. Vision Care
Provides vision care for employees and their families
Regular eye exams can detect early signs of diabetes, high blood pressure, high cholesterol and other ailments

34. Individual Short-Term Medical Insurance
Helps you cover gaps in employer-provided insurance and retain your savings!

35. Individual Short-Term Medical Insurance
Helps you cover gaps in employer-provided insurance and retain your savings!
Short Term Medical Insurance (STM) is designed to provide medical coverage on a temporary basis to fill a gap when a person does not have medical insurance
STM cannot be renewed and is not intended to replace permanent coverage
The person applying for coverage chooses the length of policy they would like, from 30 – 185 days
They then choose the deductible amount they would like, from $500 - $7,500 per member and the coinsurance level they would like to pay, either 20% or 50%
STM provides coverage for injuries and sudden-onset illnesses which occur while the policy is in effect

36. Individual Short-Term Medical Insurance
Helps you cover gaps in employer-provided insurance and retain your savings!
Features & Benefits:
Provides coverage for major hospital, medical and surgical expenses as well as out-of-hospital care
Does not provide benefits for routine care
Pre- existing conditions are excluded
Includes an accidental death benefit if the accident occurs while the member is covered by the policy and the death occurs within 365 days of the accident
The member can see any provider they choose; there are no network restrictions
STM does NOT meet the federally mandated requirements for health plan coverage under the Affordable Care Act (ACA)

37. Individual Short-Term Medical Insurance
Helps you cover gaps in employer-provided insurance and retain your savings!
Simple and functional, this is easy to use coverage.
Perfect product for gaps in a person’s coverage – whether they are between jobs, transitioning from a parent’s coverage, or transitioning between Affordable Care Act (ACA) plans.

38. Group Critical Illness Insurance
Helps cover expenses if you are diagnosed with a covered critical illness

39. Group Critical Illness Insurance
Helps cover expenses if you are diagnosed with a covered critical illness
Employee enrolls during their initial enrollment period (when hired) or an open enrollment
If application is for an amount under the Guarantee Issue Amount (GI)* there are no medical questions or physical exam
It pays a lump-sum benefit…
Pre-existing conditions may be excluded
* Guarantee Issue Amount is the amount of coverage a person may receive without submitting Evidence of Insurability**.
** Evidence of Insurability (EOI) is proof of a person's medical history. LifeMap uses the EOI to determine if the person can be approved for insurance.

40. Group Critical Illness Insurance
Helps cover expenses if you are diagnosed with a covered critical illness
Most policies cover serious illnesses like heart attack, stroke, and cancer
We also offer a cancer only policy
Available as Basic (employer-paid) or Voluntary (employee has premium deducted from their paycheck)
Any premiums paid by the employee will be on an age-rated basis
A Core (ER paid portion) / Buy Up (Voluntary EE paid portion) is also available
The benefit can be used for whatever expenses the member has
Benefits are payable until the member reaches their Lifetime Maximum
Companies can choose to also offer coverage for an employee’s family (spouse and children)

41. Group Critical Illness Insurance
Helps cover expenses if you are diagnosed with a covered critical illness
Employers may elect to offer coverage to employees (and family members) who are over age 65
The benefit may reduce when a member reaches a certain age
The market is growing and statistics support the desirability of this product
Employers want to help fill the gap caused by high deductible health plans
Many people don’t have an emergency fund to help pay for the unforeseen expenses if they are diagnosed with a critical illness

42. Employee Assistance Program
No matter what life throws your way, there’s someone there to help you through it.

43. Employee Assistance Program
No matter what life throws your way, there’s someone there to help you through it.
Maybe you need legal direction or are struggling with parenting issues, your marriage is on the skids or you just want to talk to someone. Whatever’s bugging you, it doesn’t have to spiral out of control and consume you.
The Employee Assistance Program (EAP) can help.
There are two Employee Assistance Program (EAP) options available; Basic and Enhanced
The Basic EAP is automatically included with all LTD plans and an employer can buy-up to the enhanced plan
An employer can purchase either the Basic and Enhanced EAP plans as “stand-alone” when any other LifeMap product is purchased
The employer pays for 100% of the cost of this inexpensive benefit
Both the Basic and Enhanced EAP offer life-balance services and resources for employees and their families including counseling, legal direction, financial advice and more

44. Employee Assistance Program
No matter what life throws your way, there’s someone there to help you through it.
EAP Component/Service
Basic EAP
Enhanced EAP
Life-Balance Services and Resources*
Counseling Sessions: Face-to-face; per incident
Up to 4
Up to 6
24-Hour Telephone Crisis Services 
Legal Services: Face-to-face or telephonic consultations
Financial Services: Up to 30 days of free telephonic support
Will Preparation & ID Theft Services
Worksite Services*
Critical incident debriefing provided at worksite
Employee Orientation & Supervisor Training
Telephonic Supervisor Consultations & Online Supervisor Resources
Substance Abuse Evaluations and treatment plans
Both the Basic and Enhanced EAP offer the life-balance services and resources shown below for employees and their families.
The Enhanced EAP plan also includes the worksite services for employers shown below.
This chart represents only a sample of the services provided

45. Employee Assistance Program
No matter what life throws your way, there’s someone there to help you through it.
This program doesn’t cost the employee a dime! It covers all financial dependents, living at home or away, plus other household members, whether they’re related or not.
The employer has a way to help employees in areas that are traditionally sensitive for a business.

46. Accident Only
Helps cover expenses if you are injured in an accident

47. Accident Only
Helps cover expenses if you are injured in an accident
Employee enrolls during their initial enrollment period (when hired) or an open enrollment
There are no medical questions or a physical exam needed
Companies can choose to also offer coverage for an employee’s family (spouse and children)
Pays a lump-sum benefit if the member is injured or dies in an accident

48. Accident Only
Helps cover expenses if you are injured in an accident
Available as Basic (employer-paid) or Voluntary (employee has premium deducted from their paycheck)
Pays a flat benefit based on the type of accident, the injury sustained, or the type of care/service needed
The benefit can be used for whatever expenses the member has
Provides an accidental death benefit to help provide for a member’s future if they die as the result of an accident

49. Accident Only
Helps cover expenses if you are injured in an accident
Employers want to help fill the gap caused by high deductible health plans
Many people don’t have an emergency fund to help pay for the unforeseen expenses if they are in an accident
More than 20 million visits to the hospital in the US are due to injuries sustained in the home*
*     WebMD, Home Injuries Rising, October 2, 2002

50. https://lifemapco.com/employer/plans/services
Coordinates is an online benefits platform that can make enrollment and changes much easier for employees and administrators.
There is a great video on our website that explains the benefits of using Coordinates!

51. Keep on learning about our products
Keep on learning about our products! Visit our website using the button below and choose the Plans tab.
If you want to go there now, click here to open the site in a new browser tab.

52. Thank you so much for completing this course and for joining us in this journey!
Life is a Journey. Protect it.