1. Tchavdar Elenkov Always ask for the best! date Group Benefit Program

2. Tchavdar Elenkov Always ask for the best! Why Manulife Group Benefits? About Manulife Financial Teamwork Products and services Transition to Manulife Next steps Name of Group Agenda…

3. Tchavdar Elenkov Always ask for the best! about Manulife Financial

4. Tchavdar Elenkov Always ask for the best! The Manufacturers Life Insurance Company (Manulife Financial) is a leading provider of financial protection products and investment management services to individuals, families, businesses and groups in selected international markets

5. Tchavdar Elenkov Always ask for the best! Ratings AgencyRatingRating Purpose A.M. BestA++Financial Strength Moody’sAa2Financial Strength Standards and Poor’sAA+Financial Strength FitchAAAClaims Paying Dominion Bond Rating ServiceIC-1Claims Paying

6. Tchavdar Elenkov Always ask for the best! Recognizing the unique requirements of plan sponsors, Manulife Financial has earned a niche for itself in the group life and health market by bringing best of class products and technology to the marketplace. Group benefits

7. Tchavdar Elenkov Always ask for the best!

8. Tchavdar Elenkov Always ask for the best! Teamwork … makes the difference

9. Tchavdar Elenkov Always ask for the best! Your advisor – ….

10. Tchavdar Elenkov Always ask for the best! Your advisor – … Local Team Service Network

11. Tchavdar Elenkov Always ask for the best! Answers … to your questions

12. Tchavdar Elenkov Always ask for the best! When you want them How you want them

13. Tchavdar Elenkov Always ask for the best! Secure email

14. Tchavdar Elenkov Always ask for the best! interactive voice response

15. Tchavdar Elenkov Always ask for the best! TTY/TDD customer service

16. Tchavdar Elenkov Always ask for the best! speak directly with Customer Service Representative

17. Tchavdar Elenkov Always ask for the best! Products that deliver care and convenience

18. Tchavdar Elenkov Always ask for the best! ManuScript - Pay Direct Drug Plan Electronic claim submission Drug Utilization Review Direct enrolment Dynamic Maintenance Products that deliver care and convenience

19. Tchavdar Elenkov Always ask for the best! ManuAssist – Travel and at home 24/7 multilingual toll-free hotline Claims payment direct to provider Products that deliver care and convenience

20. Tchavdar Elenkov Always ask for the best! Dental Electronic claim submission Direct enrolment Products that deliver care and convenience

21. Tchavdar Elenkov Always ask for the best! Disability When you partner with Manulife Financial, we’ll help you identify risks and take actions to minimize the human and economic costs of disability. Products that deliver care and convenience

22. Tchavdar Elenkov Always ask for the best! Health and Dental Retiree Option Products that deliver care and convenience

23. Tchavdar Elenkov Always ask for the best! TECHNOLOGY

24. Tchavdar Elenkov Always ask for the best! …. changing the way we do business …. so you can get on with yours!!

25. Tchavdar Elenkov Always ask for the best!

26. Tchavdar Elenkov Always ask for the best! Plan member services on-line

27. Tchavdar Elenkov Always ask for the best! Personal Coverage over-view

28. Tchavdar Elenkov Always ask for the best! Claim cheques deposited directly into the members’ bank accounts Plan member services on-line Plan member services on-line

29. Tchavdar Elenkov Always ask for the best! Plan member services on-line Plan member services on-line

30. Tchavdar Elenkov Always ask for the best! Claim history

31. Tchavdar Elenkov Always ask for the best!

32. Tchavdar Elenkov Always ask for the best! When can I get my next pair of glasses? Plan member services on-line Plan member services on-line

33. Tchavdar Elenkov Always ask for the best! Pre-filled forms and brochures

34. Tchavdar Elenkov Always ask for the best! Benefit Booklets on-line Booklets

35. Tchavdar Elenkov Always ask for the best! claims submitted from point of service claims history & explanation of benefit direct claims deposit benefit and coverage information answers at their fingertips plan members for plan members

36. Tchavdar Elenkov Always ask for the best! Plan Administrator services on- line

37. Tchavdar Elenkov Always ask for the best! on-line enrolment

38. Tchavdar Elenkov Always ask for the best! Member Coverage over-view

39. Tchavdar Elenkov Always ask for the best! in the business Plan Administration Kit Forms and brochures On-line booklets On-line policy The best on-line

40. Tchavdar Elenkov Always ask for the best! Administrator service on-line Policy, guide and booklets Administrator Services on-line

41. Tchavdar Elenkov Always ask for the best! Monthly billing statement Administrator Services on-line

42. Tchavdar Elenkov Always ask for the best! Pre-authorized premium deposit Administrator Services on-line

43. Tchavdar Elenkov Always ask for the best! Payment history Administrator Services on-line

44. Tchavdar Elenkov Always ask for the best! simple, easy to use..hassle free easy way to manage enrolment information to answer inquiries billing and payment history plan administrators for plan administrators less time …improved service Administrator service on-line

45. Tchavdar Elenkov Always ask for the best! Technology

46. Tchavdar Elenkov Always ask for the best! Transition To Manulife

47. Tchavdar Elenkov Always ask for the best! …the approach Pricing Apply for Coverage Aftercare Service Quote Benefit Card Internet Sites Renewal

48. Tchavdar Elenkov Always ask for the best! Pricing Apply for Coverage Quote Benefit Card Internet Sites Renewal Aftercare Service Quote/Illustration Plan design Prepare quotation Present recommendations

49. Tchavdar Elenkov Always ask for the best! Pricing Calculate price (validate) –Based on: Plan Design Selection Employees eligible Plan experience (if applicable) Pricing Apply for Coverage Quote Benefit Card Internet Sites Renewal Aftercare Service

50. Tchavdar Elenkov Always ask for the best! Apply for Coverage Company –Complete Application –PAD Employees –Member brochureMember brochure –Enrolment Application and Evidence form if applicable Pricing Apply for Coverage Quote Benefit Card Internet Sites Renewal Aftercare Service

51. Tchavdar Elenkov Always ask for the best! Benefit Cards Member’s passport to Manulife Services Wallet ID ManuScript Card ManuAssist Card Pricing Apply for Coverage Quote Benefit Card Internet Sites Renewal Aftercare Service

52. Tchavdar Elenkov Always ask for the best! Internet Sites Plan Administrator Secure Site –Enrolment –Member Coverage –Policy, Booklets, Guides, Forms –Billing and Payment History –Secure Email Pricing Apply for Coverage Quote Benefit Card Internet Sites Renewal Aftercare Service

53. Tchavdar Elenkov Always ask for the best! Internet Sites Plan Member Secure Site –Enrolment –Coverage –Booklets, Forms –Claims History, EOB’s on line –Direct deposit registration –Secure Email Pricing Apply for Coverage Quote Benefit Card Internet Sites Renewal Aftercare Service

54. Tchavdar Elenkov Always ask for the best! Aftercare Service Working together with Manulife Customer Service welcome call Service Support Pricing Apply for Coverage Quote Benefit Card Internet Sites Renewal Aftercare Service

55. Tchavdar Elenkov Always ask for the best! Renewal 15 months – first renewal –12 months thereafter Renewal rates reflect: –Who is covered –Expenses – administration, taxes etc. –Cost of Inflation and trend –Your own plan performance Review plan design – make appropriate changes Pricing Apply for Coverage Quote Benefit Card Internet Sites Renewal Aftercare Service

56. Tchavdar Elenkov Always ask for the best! Teamwork Products that deliver care & convenience Technology.. changing the way we do business Delivering.. a complete program

57. Tchavdar Elenkov Always ask for the best! Looking forward for working together

58. Tchavdar Elenkov Always ask for the best! Questions