1. Long Term Disability Insurance Enrollment July 1st through July 31st, 2019

2. Disability Insurance helps protect your income when you can’t work because of a covered illness or injury.
This type of coverage may be less expensive if you purchase it through your employer than if you purchase an individual policy.
Plus, with the convenience of payroll deduction, you don’t have to worry about writing a check every month.
Disability insurance will help you take care of the same things you depend on your paycheck for,
such as:
> Planned expenses (groceries, mortgage, utilities)
> Unplanned expenses (medical bills, home improvement)
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3. WHY IS DISABILITY INSURANCE IMPORTANT?
It’s common for you to insure your home,
It’s common for you to insure your home,
Your vehicle,
And your health coverage.
If you’re like most people, every paycheck counts. What would happen to your bills, your savings, and your lifestyle if you couldn’t work? “Disability” does not always mean a serious handicap. In reality, it can be as simple as an illness or injury that prevents you from earning a living. Disability coverage pays a portion of your paycheck when you can’t earn it yourself because of an unexpected, covered illness or injury.
Why not help insure your paycheck?
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4. DID YOU KNOW?
Almost one-third of Americans entering the work force today (3 in 10) will become disabled before they retire. 2
Within the past hour, almost 3,000 Americans became disabled. That's 49 every minute.1
71% of American employees live from paycheck to paycheck, without enough savings to cushion the financial hit. 3
1. National Safety Council, Injury Facts 2008 Ed. 2. Social Security Administration, Fact Sheet Jan 31, American Payroll Association, "Getting Paid in America" Survey, 2008
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5. YOUR LONG-TERM DISABILITY PLAN
Texas A&M University System is offering you the opportunity to elect Long-Term Disability insurance through Cigna without answering any medical questions or exams.
This plan will cover 65%* of your monthly earnings up to a maximum of $8,000 per month
(Other sources of disability income are considered when calculating the 65%)
Please be sure to read your enrollment brochure for additional details about the plan.
Please see benefit summary for specific plan details
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6. WHAT KIND OF COVERAGE IS AVAILABLE FOR YOU?
We know that every individual is different and you may have some questions about how much disability insurance is right for you.
To help you figure it out, Cigna offers an online disability calculator at
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna

7. VALUE-ADDED PROGRAMS
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8. My Secure Advantage™ Poor financial health can slow your recovery
90-day money coaching program prepaid by Cigna
Experienced financial Money Coach to personally assist, advise and teach you and your household members new money habits and guide you to financial prosperity
Mymsaonline.com website to communicate with coaches and access MSA resources, tools and education
50% discount on tax planning and preparation services*
Discount on continued coaching
Participants who wish to continue after 90-days, may do so at a self-paid discounted rate of $19.95/month**
Studies show that personal finance is the leading source of stress for America’s workforce.1
In fact, 77% of Americans report that they would suffer great or moderate financial hardship if they were unable to work for three months.2
When you consider that people on disability may be living on only a percentage of their pre-disability income, it’s no surprise that the financial implications of disability can add a whole new level of stress to your and your family’s lives – stress that may impact your health and recovery.
To help with financial challenges during long-term disability, Cigna offers approved STD and LTD claimants and their household members access to a money coaching program pre-paid by Cigna.
The program includes (read features listed on slide)
Cigna will contact disability claimants at the time of an approved claim with information about how to access this program.
NOTE: MSA is available to all approved disability claimants and their household members
1. Stress in America™: Missing the Health Care Connection, American Psychological Association, February 2013,
2. Employee Knowledge and Attitudes About Employer-provided Disability Insurance, Consumer Federation of America and Unum, 2012.
Cigna provides information about this program directly to approved disability claimants
Available to all approved disability claimants and their household members
* Services available through CLC, Inc.
** Full price is $39.95/month
This program is NOT insurance. My Secure Advantage services are provided under a contract with CLC, Inc.. Presented here are highlights of the money coaching program. Full terms, conditions and exclusions are contained in applicable client description document.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

9. Cigna Healthy Rewards®
Helping you stay healthy
Up to 50% discounts on health and wellness products and services*
Weight management
Vision and hearing care
Tobacco cessation
Chiropractic, massage and alternative medicine
Mind/body
Fitness and yoga
Vitamins, health and nutrition
You and your family members can enjoy instant savings on wellness items. Visit the Healthy Rewards website:
(password: savings) or
call to get information on participating providers and save on the programs that are right for you.
Healthy Rewards offers you and your family access to an array of products and services to help them take care of their over-all health and well-being.
The Healthy Rewards program is a great complement to our insurance programs with discounted products and services that may not be covered by insurance, but can still be important components to maintaining physical, mental and emotional health.
Programs include:
Weight Management including Jenny Craig, Healthyroads Weight Management Program
Vision and Hearing Care including exams, eyewear and contacts, Lasik vision correction, hearing exams and aids
Tobacco Cessation including Healthyroads Tobacco Cessation Program
Alternative Medicine including acupuncture, chiropractic care and massage therapy
Mind/Body including Healthyroads Mind/Body Program
Fitness including Gaiam yoga equipment, Just Walk 10,000 Steps-a-DayTM
Vitamins, Health and Nutrition products such as Drugstore.comTM, ChooseHealthyTM, Registered Dietitian Network
Full details and instructions on how to take advantage of the Healthy Rewards program are provided online.
NOTE: Healthy Rewards is available to all Cigna life, accident, disability, AI, CI, HC customers and family members
Available to all Disability, Life, Accident, Accidental Injury (AI), Critical Illness (CI) customers and family
*Discounts represent the potential savings off a purchase compared to standard vendor prices as of January 2015 and are subject to change. Actual discount will vary and is not guaranteed. Discounts may not be available on every item or service.
Some Healthy Rewards are not available in all states and programs may be discontinued at any time. A discount program is NOT insurance, and the member must pay the entire discounted charge.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2016 Cigna

10. Cigna Identity Theft
Helping victims of the fastest growing crime in America1
Education on how to identify and avoid ID theft
Assistance with understanding free annual credit reports to determine if identity theft has occurred, and alerting credit reporting agencies if it does
Additional services:
Help with credit card fraud, and financial or medical identity theft
ID Theft resolution kit and one-on-one guidance through problem resolution
Help to complete an identity theft affidavit, and guidance on replacing credit cards, drivers’ license, Social Security card, passport, etc.
Help with emergencies while traveling, including translation services, emergency message relay, up to $1000 cash advance when travelling more than 100 miles from home
One-on-one assistance — call 24/7 at – no matter where you are in the world
Identity Theft occurs when someone uses your personal identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.
It’s America’s fastest growing crime, victimizing about 12.7 million people in 2014.* Cigna’s Identity Theft program is available to help if this serious crime impacts you.
Some Identity Theft programs available through homeowners insurance, credit cards and banks offer reimbursement for out-of-pocket costs – and offer very limited resolution services.
Cigna's Identity Theft Program can help with education to avoid identity theft and identify it if it happens, and provide support and resolution services if and when ID Theft does occur. (read list of features on slide)
NOTE: Identity Theft services are included automatically with all Cigna life, accident, disability AI, CI, HC plans and is available to all covered persons.
1. Javelin Strategy and Research, March 2014.
Available on all Disability Life, Accident, Accidental Injury (AI), Critical Illness (CI) , Hospital Care (HC) plans
This program is NOT insurance and does not provide reimbursement of financial losses. Cash advances must be secured by a valid credit card and paid back by the customer within 30 days or fees may apply. Cigna Identity Theft services are provided under a contract with Generali Global Assistance . Presented here are highlights of the Identity Theft Program. Full terms, conditions and exclusions are contained in applicable client description document.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2016 Cigna

11. Cigna Will Preparation
Helping you plan for your family’s future
Simple, self-service online tools for customers and spouses to create:
Last will and testament
Living wills
Health care power of attorney
Financial power of attorney
Medical authorization for minors
Estate and funeral planning information
In-depth, easy-to-understand information that helps document end-of-life wishes in advance
Personal information organizer tool – organize important personal data, account information, contacts, and end-of-life wishes all in one place
Visit:
You must register to create documents online and you must print out and sign your documents to execute them
More than 64% of Americans do not have a will*, giving them little or no control over matters after they die. Thinking ahead and providing clear directives is an important part of planning for a family’s financial future. (*2015 Rocket Lawyer estate-planning survery by Harris Poll, 2015.)
At Cigna, we know there’s more to life, which is why we provide customers and their spouses with access to a robust suite of tools that help them build state-specific, customized wills and other important legal documents. There are also tools and guidebooks to help with estate and funeral planning. Cigna’s Will Center is easy to use and available 24/7. Phone representatives are also available to assist with the online tools via a toll-free number.
Registrations are maintained for two years, which allows you to easily make revisions to legal documents as your personal situation changes. Wills and other legal documents must be printed out and signed in order to execute on them.
NOTE: Will Preparation is included on all Cigna life, accident, disability, AI, CI, HC and is available to customers and their spouses
Available on all Disability Life, Accident, Accidental Injury (AI), Critical Illness (CI) , Hospital Care (HC) plans
This program is NOT insurance. Will Preparation Services are independently administered by ARAG®. Cigna does not provide legal services and makes no representations or warranties as to the quality of the information on the ARAG website or the services of ARAG. Full terms, conditions and exclusions are contained in applicable client description document.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

12. Enroll between July 1st and July 31st
Next Steps
If you are already enrolled in the LTD plan and want to continue coverage, no action is necessary
Enroll between July 1st and July 31st
Please enroll through Workday at sso.tamus.edu
Read all plan information carefully.
Make sure to enroll online before the end of your enrollment period.
Rest easier knowing that you are helping to protect the financial future of you and your loved ones.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna