1. Georgia Breeze Flex Benefits – Life Insurance
Life Insurance Plans – MetLife
MetLife will replace Minnesota Life
MetLife will offer two additional enhancements to the plan:
Up to 10X Employee Life Coverage
Maximum coverage for employees will increase to $2 Million
Premium rate will decrease for employee and spouse life
Employee can increase coverage one level without Evidence of Insurability
Increases in coverage for Spouse Life will require Evidence of Insurability
Wavier of premium to the Employee Life product will be reinstated for permanent or total disability which initiate after January 1, 2014

2. Important Note re: Walmart/Sam’s Club Vision Providers
Most Walmart/Sam’s Club are out-of-network providers; completion and sub- mission of the claim form below is required to receive the in-network benefit

3. Accidental Death & Dismemberment Plan
AD&D - MetLife
MetLife will replace Minnesota Life
MetLife will offer additional enhancements to the plan:
Up to 10X AD&D coverage
Maximum coverage for employees will increase to $2 Million
Amount payable for loss of an arm or leg will increase to 75% of coverage

4. Vision BCBS will replace Spectera as our Vision provider
Vision – Blue Cross Blue Shield of Georgia
BCBS will replace Spectera as our Vision provider
BCBS will offer additional enhancements to the plan:
Increased out of network benefit towards frames
Coverage for lenses/frames will be based on the calendar year, not every 12 months
Decrease in premium rates
ID Cards will be issued
Rates:
BCBS – Select
BCBS – Select Plus
Employee
$4.54
$7.73
Employee + Spouse
$9.49
$16.80
Employee + Child(ren)
$9.92
$17.57
Family
$13.37
$23.90

5. Short & Long Term Disability
Short Term Disability – The Standard
The maximum weekly amount an employee can receive will increase from $ to $1,000.00
Long Term Disability – The Standard
Rates will slightly increase
LTD will go from a pre-tax to an after-tax structure
Benefits received by employees who go out on LTD will no longer be considered taxable income

6. Specified Illness Plan
Specified Illness Plan – CAIC
The automatic child benefit under Specified Illness has increased to 50% of the employee’s selected coverage amount
Employees who elect the Select Plus Plan (with Accident Rider) will receive $160 for any qualified Health Wellness Screenings
Newly added illnesses covered under the child benefit:
Cystic Fibrosis
Cerebral Palsy
Cleft Lip or Cleft Palate
Spina Bifida

7. Spending Account Spending Account – ADP
No Significant changes to the plan
Employees must make an election to continue contributions to the plans for 2014 – Health Care and Dependent Care Spending Account
Employees will be required to make a new election amount in order to keep their Health Care and/or Dependent Care Spending Account
The last deduction for Spending Account will be November 30, 2013 unless a new election for 2014 is made

8. Long Term Care Long Term Care – Unum
Rate increase for current and newly enrolled employees (15%)
The increase will be based on the age coverage was locked in
Unum will issue a package to currently enrolled employees to explain the rate change
For additional information, please contact Unum at

9. Contact Information
State Health Benefit Plan (Health Benefit Coordinator)
Georgia Breeze (All FLEX Benefits) or
Blue Cross Blue Shield of Georgia (State Health Insurance Vendor) or
Healthways (Wellness Vendor) or
Express Scripts (Pharmacy Benefit Manager)

10. Questions ??