Employer Presentation

March 2011

HumanaDisability for Small Business (2-9 Employees)

Insured by Kanawha Insurance Company. Benefits may vary by state and may not be approved in all states.

GNHH1MDHH – 3/2011

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• One of the most significant benefits a company can provide to its employees is protection against a potentially devastating loss of earning power due to a serious accident or a major illness.

• A worker entering the workforce today faces a 30 percent chance of becoming disabled for three months or more.

Social Security Administration

Fact Sheet January, 2009

Help your employees plan for the unexpected

HumanaDisability

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• Disability coverage provides income replacement for your employees, allowing them to focus on recovering and getting back to work and on with their life.

• A disabling sickness or injury can have major impact to your employee’s finances and your business.

• In a small company, one person makes a huge difference, Humana’s Return-to-Work incentives and rehabilitative services get employees back to work as soon as possible. - Helping to control lost productivity- Reduces lost revenues- Saves costs of temporary employees

The need for disability coverage

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• HumanaDisability makes it easy for you to offer your employees disability coverage.

• We make your employee’s care and recovery our priority by:- Managing an employee’s disability

from start to return to work- Doctors and specialists are

available, helping employees return to health and work

- Efficient claims services and benefit payments

- Robust benefit offering, with guarantee issue*

Why HumanaDisability

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• Attractive plans and benefit levels- Available to groups with two or more eligible

employees *

- Guarantee issue for groups with four or more eligible employees**

- Non-contributory plans (2-9 group size)- Contributory plans (6-9 group size)- Active full time employee working a minimum of 30

hours per week- 60% of the employee’s basic monthly earnings- Age Banded Rates

*Subject to participation requirements**All groups with less than four lives require Evidence of Insurability

Humana STD, LTD plan features

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• Range of covered benefits

- Accident, Sickness (including maternity)

- Disabilities incurred on or off the job

• Elimination period

- Choice of 90 or 180 days on LTD

- Choice of 1/8, 8/8, 15/15, 30/30 on STD

Humana STD, LTD plan features

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• Flexible definition of a disability that lets employees satisfy the Elimination Period with a loss of duties only

• Flexible monthly benefit

- Guarantee issue amount - $3,000*

- Up to $6,000 monthly maximum benefit (based on top three salaries)

• Benefit duration

- Social Security Normal Retirement Age Benefits

- Five-year duration

Humana’s LTD product is carefully designed to emphasize ability, not limitations. It addresses employees' need for a secure income and your need for the best possible outcome at work.

Humana LTD plan features

*Subject to participation requirements All groups with less than four lives require Evidence of Insurability

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• Partial Disability/Return to Work Incentive• Survivor benefit – 3 times monthly benefit• Employee Assistance Program(non-contributory plan)

- Unlimited telephonic counseling, and three face-to-face counseling sessions

• Return to Work Services- Team of professionals actively guide and encourage

employees to return to work- Bonus for completing a rehabilitation program- Workplace Modification Reimbursement (for employers)

• Rate Guarantee – 2 years

Humana LTD plan features (cont.)

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• Experienced nurses handle the claims, providing compassionate expertise that can reduce durations

• Guarantee Issue Amount – up to $1,000• Flexible weekly benefit –Minimum $25 up to a

maximum of $1,000 (based on top three salaries)• Total and residual disability coverage

When employees are unable to work because of a disabling injury or illness, STD goes to work for them, replacing part of their income.

Humana STD plan features

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• Simple brochure with application (employer and employee versions)

• Prepopulated paper application • No medical exam required• Only a few medical questions• Standard Evidence of Insurability form

We’ve made it easier for your small business to access a quality disability plan, one that offers many of the same features and benefits that larger companies have access to.

Marketing materials

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• Financially strong carrier recognized for service, with four decades of employee benefits experience– Highly engaged service

associates– Ranks No. 74 on Fortune 500

• Professional, consultative sales team

• Receive multi-product discounts• Total benefits expertise brings

additional depth to our product offerings

Insured by Kanawha Insurance Company. Benefits may vary by state and may not be approved in all states.

Why partner with Humana

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Insured by Kanawha Insurance Company. Benefits may vary by state and may not be approved in all states.

GNHH1MDHH – 3/2011