Sample Proposals for Employee Wellness Program - PowerPoint by shw84471

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									    Protecting Your
Most Important Resource
     Employee Benefit Programs Designed
 for Members & Affiliated Organizations of the
   National Wildfire Suppression Association




                 Presented by:
                    CFP Inc.

           William P. Russell, CHC, HIA
                  Allen Zwemke
                   Fred Fischer
          Richard J. Carney, CLU, ChFC

               February 24, 2009
About CFP, Inc.
 Founded in 1964, CFP, Inc. brings over 45 years of
    experience,knowledge, and timely advice to each client
    relationship. Whether it is an employee benefit enrollment
    meeting for a new qualified retirement plan, a sophisticated
    estate/wealth transfer plan, or long-term care insurance
    planning, CFP has the understanding and experience to
    determine the appropriate options.
    At CFP, Inc. we feel strongly that a successful relationship is
    based on understanding the client’s objectives and financial
    specifications. Our goal is to work closely with the client’s
    professional advisors to design and implement the selected
    course of action. CFP, Inc. takes pride in maintaining business
    relationships with competitive insurance carriers to provide
    insurance plans that are ideally suited to each client’s
    requirements and financial objectives


                                                                       2
CFP Employee Benefit Staff
Background & Expertise
 Over 100 years of benefits        Access to ERISA and MEWA
experience on staff                legal staff as well as actuarial
                                   services as needed
 We have business owners on
staff with over 50 years            Securities registered staff, with
experience of managing their       Certified Financial Planners
own business                       (CFP®) designations
 Chartered Life Underwriters       CFP, Inc. has three full time
(CLU®), Certified Health           benefits support staff
Consultant (CHC), Chartered
Financial Consultants (ChFC)        Bi-Lingual (Spanish) staff
and Health Insurance Associate
(HIA) designee members on staff     Affiliated with National
                                   Financial Partners (NFP) with 320
 CPA (retired from CPA            member firms in 41 states and
practice) on staff                 Puerto Rico
 Familiarity with benefit plans
for Mutli-State Associations

                                                                      3
  CFP Benefits Help Card
CFP has created the Benefits Help Card to be a resource and provide
assistance to your employees in the event of questions concerning their
employee benefits.




                                                                          4
Our Reason For Being Here

 We are here today to talk about protecting
  your most important resource:

               Your employees…
      whether they be full-time, seasonal,
           part-time or temporary.




                                               5
Protecting Your
Most Important Resource




                          6
Protecting Your
Most Important Resource
 NWSA is proud to announce the creation of
  association sponsored employee benefit
  plans for the full time, part-time, seasonal and
  temporary employees of member employers
  and affiliated organizations.




                                                 7
 Goals of Employee Benefit Programs

 Provide comprehensive, cost effective
  employee benefit packages to association
  members for full-time as well as seasonal
  workforce.

 Assist in the growth and retention of NWSA
  membership by offering a unique employee
  benefit package that addresses the employee
  benefit needs of the association member.

                                                8
NWSA Endorsed Benefit Plans
 Coverages for Full Time & Seasonal
  Employees include:
     Comprehensive Medical and Limited Medical
      Plans
     Dental Plans
     Vision Plans
     Off-The-Job Accident Plans
     Cancer Plans
     Life Insurance Plans Designed for Employee
      and Family Members

                                                   9
Employee Benefit Programs For
Active Full-Time Employees
   Market Segments determined by employer
    size and location.
       Employers with 1 - 4 full time employees
        regardless of location
       Employers with 5 or more full time employees
        outside of AOL plan service area.
       Employers with 5 or more full time employees
        located within the AOL plan service area.
          Service area includes Washington, Oregon, Idaho,
           Montana, Wyoming & North Dakota.
                                                          10
Local Market Quote Areas For Benefit Plans With 1-4
Employees & All Groups Outside of AOL/TPM Service Area
Regardless of Size




Groups of 1 – 4 employees located in Washington, Oregon, Idaho, Montana, Wyoming & North Dakota   11
          as well as all groups located in other states will receive local area market quotes.
Employee Benefit Programs For Employers With 5
or More Active Full-Time Employees Within AOL
Plan Service Area


   Employers with 5 or more full time
    employees will be provided with competitive
    proposals from the Associated Oregon
    Loggers (AOL)/TPM endorsed plan and/or
    insurance plans in the local market place.




                                                  12
NWSA/AOL Plan Service Areas
For Full-Time Group Benefit Plans with 5 or More
Employees




The Plan Service Area is Washington, Oregon, Idaho, Montana, Wyoming & North Dakota for
                            groups with 5 or more employees.
       Over 80% of current NWSA membership is located in the Plan Service Area.           13
Supplemental Benefit Plans For
Full-Time Employees
 These products allows full time employees to
  supplement other coverages.
 Benefits paid under these plans are in
  addition to existing coverages.
 These products were selected because of
  their flexibility.
        Only 2 participants needed to enroll
        Rates are not based on occupation
   All products are available nationwide.
                                                14
NWSA Plan Service Areas
For Supplemental Group Benefit Plans




                                       15
  Supplemental Medical Benefits
  Offered to Full-Time Employees
 Silver Plus and Gold Plus Limited Benefit Medical Plans
  include coverage for:
    Physician office visit
    X-ray & lab
    Surgical and hospital charges
    Prescription Drugs
  (issued with no medical underwriting
  & no pre-existing condition limitations)




                                                        16
Limited Medical Benefit Plans
Designed for Supplemental Offering




                                     17
    Additional Supplemental Benefits
    Offered to Full-Time Employees
   Dental Plan
   Vision Plan (materials only)
   Off-The-Job Accident Plans
   Cancer Plans
   Individual and Family Life Insurance Plans
    (with limited underwriting)




                                                 18
Benefit Programs For Seasonal Employees

     These benefit products are available to
      seasonal, temporary or part-time employees.

     The employer has the ability to contribute
      none, some or all of the premiums.

     Products are available on a nationwide basis.




                                                   19
NWSA Plan Service Areas
For Seasonal Benefit Plans




                             20
  Seasonal Limited Benefit Medical Plans

 Horizon Plus and Platinum Plus Limited Benefit Medical
  Plans include coverage for:
    Physician office visit
    X-ray & lab
    Surgical and hospital charges
    Prescription Drugs
  (issued with no medical underwriting
  and no pre-existing condition limitations)




                                                       21
Seasonal Limited Benefit Medical Plans




                                         22
    Additional Seasonal Benefit Products
    Offered
   Dental Plan
   Vision Plan (materials only)
   Off-The-Job Accident Plans
   Cancer Plans
   Individual and Family Life Insurance Plans
    (with limited underwriting)




                                                 23
Summary of Limited Medical
Benefit Plan Offerings
 Choice of four (4) medical benefit plans that will
  indemnify or pay the covered individual a stated
  dollar amount for incurring a medical service.

  2 Plans Designed for the Supplemental Offering
      Silver Plus $13.17/ee to $31.40/family per week
      Gold Plus $23.59/ee to $59.08/family per week

   2 Plans Designed for the Seasonal Offering
    Horizon Plus $45.13/ee to $114.88/family per week
    Platinum Plus $52.05/ee to $131.73/family per week



                                                          24
Dental Plan
 Dental Benefits are based on a Fee Schedule
  (The amount of reimbursement will vary based on the service performed.)

      Dental plan features include:
               $50 Annual Deductible per person (3 per family)
                 (Deductible does not apply to preventive or orthodontia services)
               Calendar year individual maximum of $1,000
               Orthodontia coverage of $500 per year with a lifetime
                maximum of $1,000 for dependent children to age 19
      Waiting Periods
            Preventive and Basic Services   None
            Major and Orthodontia Services 12 months

                       List of participating dental providers is available.



                                                                                     25
Vision Plan
 Vision Benefits - Materials Only Fee Schedule
  (The amount of reimbursement will vary based on the service performed.)

      Vision plan features include:
               $25 Co-pay for single, bifocal or trifocal lenses at
                participating provider.
               Allowance of $80 toward lenticular and $70 toward
                progressive lenses.
               $100 Retail Frame Allowance at participating provider.
               Annual Allowance for Contact Lenses
                 (in lieu of eyeglasses)
                     Elective                        Up to $100 Retail
                     Medically Necessary             Up to $210 Retail

                       List of participating vision providers is available.



                                                                              26
Dental/Vision Plan
 Dental and Vision must be purchased
  together.

     Weekly Premiums range from $5.35 for employee only
      coverage to $17.17 for family coverage.




                                                           27
Off-The-Job Accident Plans
 Plans are designed to provide a cash benefit for
  expenses as a result of an injury. This coverage is
  not intended to replace medical coverage.

 Employee has choice of Select or Total plan.
  Both provide benefits for:
      Accidental Medical Services
      Accidental Death
      Accidental Dismemberment

   Employee premiums range from $3.03 to $5.26
   per week based on plan selected.
                                                        28
Off-The-Job Accident Plans




                             29
Cancer Plans
 Plans are designed to provide cash benefit for
  expenses related to cancer:
      Wellness & Non Medical Benefits
      Hospital Benefits
      Surgery Benefits
      Radiation & Chemotherapy Benefit
      Additional Benefits
           First Occurrence
           Specified Disease
           Intensive Care


                                                   30
Cancer Plans
 Employee has choice of 3 different plans:
     Basic
     Standard
     Preferred

  Employee premiums range from $6.23 to $10.38
   per week based on plan selected.



                                              31
Cancer Plans




               32
Life Insurance Plans Designed for Employee
and Family Members
 Initial coverage amount based on age at
  application.
 The coverage amount and weekly premiums
  are guaranteed for an initial period of not less
  than ten (10) years.
 Coverage can be issued to employees up to
  age 70.
 Typically, coverage amount provided is in the
  range of $20,000 to $40,000.

                                                 33
Life Insurance Plans Designed for Employee
and Family Members




                                             34
Life Insurance Benefits
                                                   WEEKLY PREMIUMS & INITIAL COVERAGE AMOUNTS
             Age                    $3.00                 $4.00                  $5.00                    $6.00                     $7.00                  $8.00
         18—20                   $47,273               $70,909                $94,545                 $118,182                   $141,818                $165,455
              21                  $47,059               $70,588                 $94,118                 $117,647                  $141,176               $164,706
              22                  $46,847               $70,270                 $93,694                 $117,117                  $140,541               $163,964
              23                  $46,637               $69,955                 $93,274                 $116,592                  $139,910               $163,229
              24                  $46,429               $69,643                 $92,857                 $116,071                  $139,286               $162,500
             25                  $46,222               $69,333                $92,444                 $115,556                   $138,667                $161,778
              26                  $43,154               $64,730                 $86,307                 $107,884                  $129,461               $151,037
              27                  $40,467               $60,700                 $80,934                 $101,167                  $121,401               $141,634
              28                  $38,095               $57,143                 $76,190                  $95,238                  $114,286               $133,333
              29                  $35,986               $53,979                 $71,972                  $89,965                  $107,958               $125,952
             30                  $34,098               $51,148                $68,197                  $85,246                   $102,295                $119,344
              31                  $31,325               $46,988                 $62,651                  $78,313                   $93,976               $109,639
              32                  $28,969               $43,454                 $57,939                  $72,423                   $86,908               $101,393
              33                  $26,943               $40,415                 $53,886                  $67,358                   $80,829                $94,301
              34                  $25,182               $37,772                 $50,363                  $62,954                   $75,545                $88,136
             35                  $23,636               $35,455                $47,273                  $59,091                    $70,909                $82,727
              36                  $21,622               $32,432                 $43,243                  $54,054                   $64,865                $75,676
              37                  $19,923               $29,885                 $39,847                  $49,808                   $59,770                $69,732
              38                  $18,472               $27,709                 $36,945                  $46,181                   $55,417                $64,654
              39                  $17,219               $25,828                 $34,437                  $43,046                   $51,656                $60,265
             40                  $16,124               $24,186                $32,248                  $40,310                    $48,372                $56,434
              41                  $14,689               $22,034                 $29,379                  $36,723                   $44,068                $51,412
              42                  $13,489               $20,233                 $26,978                  $33,722                   $40,467                $47,211
              43                  $12,470               $18,705                 $24,940                  $31,175                   $37,410                $43,645
              44                  $11,594               $17,391                 $23,188                  $28,986                   $34,783                $40,580
             45                  $10,833               $16,250                $21,667                  $27,083                    $32,500                $37,917



    Note: Initial Coverge Amounts are based on age at application, coverage is available to age 70 and for weekly premium payment s than those listed.
    Coverage Amounts are guaranteed for an initial period of not less than 10 Years

    Coverage amounts beyond the initial 10 years are listed in the Minimum Coverage Amount Table in your policy.

    The underwriter may enhance the Minimum Coverage Amount if future experience permits such an enhancement.
    Refer to policy for more details.
                                                                                                                                                                    35
Life Insurance Plans Designed for Employee
and Family Members
 Employee has option of adding dependent life:
    Available only on dependent children or grandchildren
     of employee
    Employees age 18 -23 are not eligible for $1 - $2
     premium

                             $1.00             $2.00
           Age on          Coverage          Coverage
       Application Date     Amount            Amount
      Full Term Newborn
          to 23 Years       $10,000           $20,000

                                                             36
Case Study of NWSA Members
 Employer that has excess of 200 employees
  at peak fire season and four classifications of
  employees
     Full Time
     Part Time
     Seasonal
     Summer




                                                    37
Case Study of NWSA Members
 Suggested Benefit Packages


     Full Time   Gold Plus/Dental & Vision/Cancer/Life
     Part Time   Off Duty Accident & Life
     Seasonal    Platinum Plus/Off Duty Accident & Life
     Summer      Off Duty Accident/Life




                                                           38
Case Study of NWSA Members
 Affordability of Premiums


     Full Time         Gold Plus/Dental & Vision/Cancer/Life
          Cost for 45 year old employee only coverage is
           approximately $47.00 per week for the benefit package.


     Part Time          Off Duty Accident & Life
          Cost for 45 year old employee only coverage is
           approximately $11.00 per week for the benefit package.



                                                                    39
Case Study of NWSA Members
 Affordability of Premiums


     Seasonal         Platinum Plus/Off Duty Accident & Life
         Cost for 45 year old employee only coverage is
          approximately $66.00 per week for the benefit package.


     Summer            Off Duty Accident/Life
         Cost for 45 year old employee only coverage is
          approximately $11.00 per week for the benefit package.



                                                                   40
Enrollment Process
 Employer makes selection of plans to be
  offered.
 CFP creates customized employee
  enrollment material for employee use.
 Employee enrollment is done by calling a toll
  free #.
 Bi-lingual services are available.
 Policies are portable.


                                                  41
Enrollment Process
 Annual Membership Fee of $195 per
 employer.
     Access to all benefit plans
     Sec. 125 Premium Only Plan Document and
      Discrimination Testing
          Medical Care Reimbursement and Dependent
           Care Reimbursement plan administration
           available at a reduced fee
     Customized Website for employee use
     Consolidated Billing
     Call Center Support
                                                      42
Customized Full Time Employee
Enrollment Material




                                43
Customized Full Time Employee
Enrollment Material




                                44
Customized Seasonal Employee
Enrollment Material




                               45
Customized Seasonal Employee
Enrollment Material




                               46
Telephonic Enrollment
 The MyPlan Benefit Center: A single source
  for person-to-person enrollment support and
  benefit explanations.
 Simply call 877-542-2072 ext 7 to speak to
  one of the trained, experienced Benefits
  Counselor to review the benefits that are
  available to you.
 You will be able to have your questions
  answered and be enrolled all in one simple
  step.

                                                47
Monthly Billing Process
 Employer receives bill via e-mail, fax or US
  mail.
     Employer pays premiums via check or
      electronic fund transfer.
     Billing statements are sent out during current
      coverage month to allow employer to take
      payroll deductions on a timely basis.
     All premiums are billed in monthly rates on the
      employer bill.

                                                    48
   Sample Monthly Billing
                                      Company Name - ABC Services
                                        Group Number - 123456

Anniversary:            January
Contact Person:       Susan Jones

Employee Name         SS Number                 Product               Feb, 2009 Billing Cancel Date Note
COMBS, ANNETTE L      999-99-9999   Admin Fee                                    $3.50
NOFTSGER, DARLA RAY   999-99-9999   Admin Fee                                    $3.50
POPE, SHAWN           999-99-9999   Admin Fee                                    $3.50
ZIMMER, JACKIE, J     999-99-9999   Admin Fee                                    $3.50
COMBS, ANNETTE L      999-99-9999   Cancer-Transmerica                          $22.31
COOK, CANDY           999-99-9999   Cancer-Transmerica                           $0.00     02/01/09 Terminated
GRAY, CAROLYN         999-99-9999   Cancer-Transmerica                           $0.00     01/01/09 Terminated
NOFTSGER, DARLA RAY   999-99-9999   Cancer-Transmerica                          $39.93
ZIMMER, JACKIE, J     999-99-9999   Cancer-Transmerica                          $30.30
POPE, SHAWN           999-99-9999   Cancer-Select Plus -Transmerica             $45.73

Total                                                                         $152.27

Please remit to:
IMG Marketing
PO Box 229
Okemah, OK 74859
(918) 623-2072
                                                                                                           49
Portability of Plans
 Employee has the right to retain coverage
  upon termination of employment.




                                              50
 A Final Thought….

 On behalf of everyone at CFP, we thank you for
  the opportunity to work with the NWSA on this
  project and we look forward to earning your
  business and your trust.
  It is our goal to foster a long term, mutually
  beneficial relationships with NWSA members
  and members of affiliated organizations.



                                                   51
Our Reason For Being Here




                            52

								
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