Investingin You

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Welcome to CIGNAWe all know the value of wise investing. You take yourprecious resources, nurture and develop them, andwatch them grow. At CIGNA*, we take the sameapproach to our most valuable resources – ouremployees. As a leading provider of health care andrelated benefits, we help our clients succeed by workingto improve their employees’ productivity and quality oflife. This philosophy extends to everything we do.

That is why we offer our employees a comprehensivetotal rewards program called Your CIGNA Life|PersonalPortfolio. At CIGNA, we believe that providingemployees with tools that can improve the health of theirpersonal, professional and financial lives is essential toour continued leadership in the marketplace.

To encourage the results that help CIGNA win in themarketplace, we offer one of the widest arrays ofbenefits plans in the nation. CIGNA employees haveaccess to options ranging from health and dental plans,wealth accumulation and paid time off, to wellnessprograms, tuition reimbursement, childcare and otherdiscount programs. And, the benefit combinations youcreate can change as quickly as your personal needschange.

The benefits and services you receive through CIGNA'stotal rewards package are designed to support four key areas that are essential to your development as a CIGNA employee, as well as your health and well being:

Healthy Culture...

■ Diversity, volunteerism, corporate sponsorships and

more – all built on thefoundation of the CIGNAmission – combine for an

environment where coworkersrespect each other and worktogether to meet the needs of ouremployer customers and theiremployees.

Healthy Career...

■ CIGNA offers comprehensive careerplanning & development, andtraining, because yourpersonal growth anddevelopment areessential to a healthycareer.

Healthy Returns...

■ When you have theright skills and youapply them effectivelyto achieve CIGNA’sbusiness goals, you canexpect a performance-basedreturn on the results youdeliver. CIGNA’s pay-for-performancecompensation program can include: basesalary, variable pay, stock and recognitionprograms.

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Healthy Life...

■ Maintaining a healthy life is thefoundation for all you do. CIGNAoffers programs that enable you to

more effectively manage yourhealth, wealth, time off andwork/life effectiveness.

*”CIGNA” and “CIGNA companies” as used in this brochure means CIGNA Corporation and its subsidiaries.Most regular employees (those in full-time and regular part-time positions) are eligible for the CIGNA Benefits and Services described in thisbrochure, starting on their first day of work. A “regular part-time” position is one in which the employee is regularly scheduled to work atleast 24 hours each week.

This brochure gives you a closer look at the many benefits and rewards available to a CIGNA employee.

Take a few minutes to learn more.

career life

culturereturns

Healthy

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Health & Productivity Investments CIGNA offers a wide array of programs andresources to help you get healthy, stay healthy and be productive.

CIGNA Medical BenefitsCIGNA is in the business of health, so our employeesare the first to take advantage of our innovative plansand services. CIGNA employees and dependentshave access to CIGNA HealthCare’s flagshipconsumer-driven health plans, with you and CIGNAsharing the cost of medical coverage. CIGNA ChoiceFunds are consumer-driven medical plans combinedwith either a Health Reimbursement Arrangement (HRA)that CIGNA funds for you, or a Health SavingsAccount (HSA) that you set up with JP Morgan Chase.(You pay for your costs on a pretax basis throughpayroll deductions.1)

These plans give you the freedom to see any licensedprovider, allow you to take a more active role inmanaging your health care, and they cover preventivecare at 100%. Our medical program also includes amanaged care Network option or Open Access Plusoption, depending on where you live.

When you elect any of these plans you have access to the following:

■ Prescription drug coverage

■ Coverage for periodic, routine eye exams

■ Mental health and substance abuse servicesthrough CIGNA Behavioral Health

■ Specialized care and disease managementservices

■ CIGNA Health AdvisorSM, which is staffed byregistered nurses

■ CIGNA HealthCare 24-Hour Health InformationLine with toll-free, 24-hour access to registerednurses and a library with hundreds of health-related topics

■ Health Risk Assessment

Dental BenefitsCIGNA offers eligible employees and dependents achoice of dental plan options that include coverage forpreventive, routine, major and orthodontic dental care.You and CIGNA share the cost, with your costspayable on a pretax basis through payroll deductions.1

Your plan choices depend on where you live andtypically include the CIGNA Dental Care HMO andCIGNA Dental PPO (Preferred Provider Organization),or when not available, Dental Select.

Prescription PlanThe CIGNA HealthCare medical plan options includea Prescription Drug Program that offers you analternative to the traditional retail pharmacy. If you are enrolled in a CIGNA HealthCare medical planoption, your prescriptions may be filled by participatingretail pharmacies at discounted prices, the CIGNA Tel-Drug® mail-order prescription program (formaintenance medications) or non-participating retailpharmacies. Costs will vary depending on the optionyou choose.

Vision CareAll CIGNA HealthCare Medical plan options includecoverage for periodic, routine eye exams. In addition,a special discount program for eye exams, frames,lenses, and contacts is available to employees andtheir eligible dependents, regardless of whether theyparticipate in a medical option.

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You may choose medical and dental coverage for:

Yourselfonly

Yourself &spouse/domesticpartner

Yourself andchild(ren)/dependents

of yourdomesticpartner

Yourself and your

family

1. 2. 3. 4.

1 Eligible employees in Puerto Rico pay on an after-tax basis due to legal restrictions.

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Health Care Flexible Spending AccountRegardless of the medical plan you choose, CIGNAemployees can help manage the changing costs ofhealth care services with a Health Care FlexibleSpending Account (FSA)2, which allows you to setaside pretax dollars to reimburse yourself for certainhealth care-related expenses that are either notcovered or only partially covered by health careplans. CIGNA's Online Calculator/MedicalComparison tool helps you forecast your out-of-pocketcosts, and convenient payroll deduction makes youraccount contributions easy.

Dependent Care Flexible Spending AccountCIGNA employees have access to our DependentCare Flexible Spending Account (FSA)2, which letsyou set aside pretax dollars to reimburse yourself forcertain dependent care expenses for eligibledependents. Some examples of eligible expensesinclude day care, day camp during the summer andelder care expenses for a parent or other relative wholives with you.

Basic Life Insurance CIGNA provides Basic Life Insurance coverage equalto one times annual eligible earnings to regularemployees at no cost. Coverage is automatic andstarts on your first day of work as a regular employee.

Business Travel Accident Insurance CIGNA provides Business Travel Accident insurancecoverage equal to three times eligible earnings(minimum of $100,000 and maximum of$1,000,000) to regular employees at no cost.Benefits are paid in addition to any other lifeinsurance benefits. Coverage is automatic and startson your first day of work as a regular employee.

Group Universal Life (GUL) Offered through CIGNA Group Insurance, GUL canhelp you protect your family’s home and way of life.CIGNA offers GUL to active regular employees. Youmay also elect GUL coverage for your spouse ordomestic partner, and group term life insurancecoverage for your eligible dependents.

Personal Accident Insurance Personal Accident Insurance (PAI) can help payexpenses if you or a covered family member isseriously injured or killed in an accident. CIGNAoffers PAI to active, regular employees. You may alsoelect coverage for your spouse or your domesticpartner; and for your unmarried, dependent childrenwho are under age 25. You choose the amount ofcoverage, and you pay the full cost of this coverageat group rates on an after-tax basis.

Short-Term Disability (STD)CIGNA’s Short-Term Disability Benefits Plan provides acontinued source of income if you have a certifiedmedical illness or injury that prevents you fromworking for six or more consecutive work days.CIGNA pays the full cost of this benefit, whileprofessional case managers focus on your personalhealth and ability to return to workplace productivity.Depending on your career band and length ofservice, STD benefits may be available for up to 26weeks during any consecutive 12-month period. Thebenefit amount varies by band.

During a disability, a representative from CIGNADisability Management Solutions, your physician andyour manager will work together to facilitate yourreturn to work.

Basic and Supplemental Long-TermDisability (LTD)CIGNA’s Basic and Supplemental Long-Term Disability(LTD) plans provide continuing income for regularemployees who have a covered disability lastinglonger than 26 weeks. Basic Long-Term Disabilitycoverage pays up to 50 percent of your eligibleearnings, with CIGNA paying the full cost of thisplan. Supplemental Long-Term Disability coveragepays an additional 15 percent of your eligibleearnings, with the employee paying the cost with pre-tax dollars through payroll deduction.3

42 Not available in Puerto Rico.3 Eligible employees in Puerto Rico pay on an after-tax basis due to legal restrictions.

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Employee Assistance Program – CIGNA’sEmployee Assistance Program (EAP) is a voluntary and strictly confidential assessment and referralprogram staffed by CIGNA Behavioral Health, Inc.Experienced professionals evaluate problems andassist in finding resources to help deal with andresolve them. CIGNA employees and family membersare eligible for up to three EAP counseling visits at no cost.

Health Advisor – CIGNA employees who chooseCIGNA HealthCare can use CIGNA Health AdvisorSM

to get help understanding a diagnosis, dealing with a chronic health condition or simply getting ananswer to a question about a prescription. CIGNAHealth AdvisorSM is staffed by registered nurses and isalso available to family members of covered CIGNAemployees.

Health Risk Assessment – This easy-to-useonline questionnaire provides valuable feedback onmedical conditions you may be at risk for. If you wish,you can choose to have your assessment forwardedto a CIGNA Health Advisor for further follow up andconsultation.

Healthy Rewards® is a program that makesstaying healthy easier and more affordable, with upto 60% off a variety of health and wellness productsand services such as eyewear, hearing aids,acupuncture, chiropractic services, tobacco cessation,weight management, massage therapy, and muchmore. In addition, CIGNA provides an EmployeeDiscount Program, which offers you significantsavings at national retailers and thousands of localproviders, helping to save you time and money.

Time Off

CIGNA provides a variety of programs for time off,whether it’s to recharge your batteries with avacation, to recover from a disability or take a leaveof absence to handle civic, military or personalobligations.

Paid Time Off (PTO)/vacation – For allemployees, Paid Time Off or PTO, includes vacationand personal or floating holidays. The number of daysyou earn each calendar year depends on your yearsof service and Career Band.

Paid Company Holidays – CIGNA offersemployees eight paid company holidays per year, in addition to floating holidays.

Other Time Off – CIGNA employees can takeadvantage of other types of time off, including paidtime off for adoption, bereavement, jury duty, andsome portion of military leave. CIGNA’s Family andMedical Leave policy also grants up to 12 weeks ofunpaid time off to eligible regular, temporary, andhourly employees for circumstances such asbirth/adoption of a child, and care of the employeeor a family member with a serious health condition.

Learning & Growth InvestmentsAt CIGNA, we work to create a culture where highperformance is the norm, and employeedevelopment is central to both yourgrowth and our success as a business.Healthy Careers, part of our total rewardsstrategy, emphasizes attainment of specificskills, behaviors and work experiencesdesigned to help you achieve apersonally fulfilling career plan, and at thesame time, help CIGNA win in themarketplace.

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Healthy Careers, in combination with Healthy Returns,establishes an environment in which individuals’goals and contributions are tied directly tothe business, and employee compensationis determined by the achievement of thesegoals and contributions. At CIGNA, westrive to make it simple for you to understandexpected performance, and our pay-for-performance strategy gives you the scope tosucceed and be rewarded for the results you deliver.

Education Reimbursement – Inaddition to numerous and extensive trainingopportunities within CIGNA, the EducationReimbursement Program provides reimbursementto eligible employees for tuition and expensesfor eligible programs/courses at community and 4-yearlicensed institutions, as well as specific fees associatedwith approved professional certification and designationprograms.

Wealth Accumulation InvestmentsCIGNA offers a number of options to help you secureyour financial future:

CIGNA 401(k) Plan – CIGNA‘s 401(k) Plan isdesigned to help you save for your retirement andother long-term financial goals. Subject to certain limits,you can save up to 25% of your eligible earnings on atax-deferred basis4 through convenient payrolldeductions. From 4-to-6 weeks after your hire date,unless you opt out, you will be automatically enrolledin the Plan at a 3% contribution rate. After you have ayear of service, CIGNA matches 50% on the first 6%of eligible earnings deducted from each pay, and youare eligible for a possible additional variable match.The Plan is described in more detail in the CIGNA401(k) Plan Summary Plan Description and Prospectus,which is available online, or upon request, in a printedversion.

CIGNA Pension Plan – When combined with theCIGNA 401(k) Plan, Social Security and your personalsavings, CIGNA’s Pension Plan helps secure yourfinancial future. You are automatically a participant

as of your hire date – even if you work on a part-timeor temporary basis, and there is no cost to you.

The Plan is an “account balance” plan. Your pensionaccount grows through annual benefit credits of 3%to 8.5% of your eligible earnings, and your benefitcredits increase as your age, length of service,

and pay increase. Your account also growsthrough quarterly interest credits.

College Savings Plan – CIGNA offers itsemployees CollegeBoundfundSM, a 529college savings plan that can help make

college dreams a reality for your children orgrandchildren, or even yourself. This plan ismade available through Prudential Retirement

and offers earnings free from federal taxes, anddistributions free from federal taxes when used to payfor qualified college expenses like tuition, room andboard, books and supplies. You can set up an accountand start saving with as little as $50 per month, andunlike other plans, you pay no initial sales charge formaking an investment in CollegeBoundfundSM.

Financial Planning – CIGNA offers two financialplanning resources to employees. Signature Online isPrudential Retirement’s free educational site where youcan access financial planning information relevant toyour needs, your financial priorities and your stage oflife. And through the Ayco Financial Planning ServicesProgram, CIGNA employees can get a wide range of counseling and education services from an industryleader; CIGNA employees pay the cost of Aycoservices.

Life InvestmentsTo help you with the challenges of managing yourfamily and your career, CIGNA offers a number ofsupport options:

Flexible Work Arrangements – CIGNAemployees may be able to take advantage of FlexibleWork Arrangements, depending on your role and withmanager approval.

Child/Dependent Care – On-site child care isavailable at CIGNA’s Bloomfield, CT campus, and

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4 Eligible employees in Puerto Rico save on an after-tax basis due to legal restrictions.

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Philadelphia-based employees have access toemergency child care. In addition, all employees cantake advantage of a CIGNA-negotiated child carediscount (typically 10%) at many national and localchild care centers. Centers provide care that rangesfrom pre-school, before- and after-school care, summerprograms, holiday and vacation programs andunscheduled “drop-in” care.

Work/Life Resource and Referral Programprovides free counseling and actual care referrals forboth child care and elder care providers. The serviceis free to all CIGNA employees and their familymembers and is provided by CIGNA BehavioralHealth. CIGNA Behavioral Health employees call1.800.284.6764. All other employees call1.800.249.8153.

Adoption Assistance Program can provideeligible employees with up to $5,000 reimbursementfor covered adoption expenses.

CIGNA Babies is designed to help guide newparents through the stages of pregnancy and theirbaby's first year of life. The program is packed withadvice to help make things run a little more smoothly,and introduces participants – mom or dad – tovaluable CIGNA resources that are available.

CIGNA Moms is CIGNA’s corporate lactationprogram that helps address the physical andemotional challenges working mothers face after thebirth of a child. This special program makes it easyfor working mothers to breastfeed before and aftertheir return to work, and is designed to help make thetransition easier and healthier for you and your child.

On-Site Health Centers at our Philadelphia, PAand Bloomfield, CT locations are available to treatroutine medical issues (i.e., minor injuries, sinusinfections) and offer a variety of services. Someexamples include allergy injections, blood pressuremonitoring, educational resources, flu vaccines,mammography screenings and on-site primary care(limited hours). On-site mammography screening isavailable to CIGNA employees and their spousesage 40 and older at larger CIGNA offices.

On-Site Fitness Center – Philadelphia-basedCIGNA employees can take advantage of our on-site fitness center. Members have a variety ofcardiovascular and strength-training equipmentavailable to them, separate studios for exerciseclasses and wellness lectures, on-site physical therapyand fully equipped locker room facilities with a rangeof amenities – all at a cost lower than the averagefitness center.

Tools & ResourcesCIGNA also provides tools and information you needto help you make important choices:

Your CIGNA Life is a comprehensive intranetresource for CIGNA employees where you canaccess information, tools and resources that will makemanaging your total rewards personal portfolio easy.

myCIGNA.com provides one-stop access to yourpersonalized health care and financial information.With one convenient log in, myCIGNA.com lets youand your family manage benefits from the comfort andprivacy of your own computer – at work or at home.You can check your claim status or retirement accountbalances, as well as get helpfulnews, updates and tools.Combining your plan informationwith WebMD tools,myCIGNA.com helps youidentify health risks, learn aboutconditions, treatments andmedications, and take steps tostay healthy.

Other tools include:

■ 24-hour health information

line for employees

participating in a CIGNA health plan

■ Benefit decision tools to assist with health plan

enrollment, health programs, costs and personal

health records

■ Online educational material such as shareholder

services and summary plan descriptions

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The CIGNA TeamNot only is CIGNA committed to providingemployees with resources that can improve the healthof their personal, professional and financial life, weare committed to enhancing the quality of life in thecommunities where we live and work. CIGNA and its employees are deeply involved in volunteer andcommunity enhancement activities, including ourCommunity Caring Awards program, and Corporatesponsorship partnerships with the March of Dimes and the United Way.

Being part of a winning team is exciting andrewarding. As part of our Business of Caring, everyCIGNA employee has the opportunity to make adifference in the lives of our members.

Additional benefits available to CIGNA employeesinclude:

■ Brokerage accounts

■ Cafeteria (at some locations)

■ Direct deposit/payroll deduction

■ Employee relocation program

■ Employee referral program

■ Long-term Care Insurance

■ Online fitness incentive program,

10K-A-Day, offered at no cost

■ Optional home and auto insurance

(discounts may apply)

■ Preferred Mortgage Program

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If you are a prospective employee or have received

an offer of employment from CIGNA, and you wish

to learn more about CIGNA health care programs

and contribution amounts, you may call Your CIGNA

Life Service Center at 1.800.551.3539 to speak

to a counselor. Counselors are available Monday

through Friday, 8:00 a.m. to 8:00 p.m. Eastern

time. You may also learn more by going to

www.myCIGNAplans.com and using the following

login details: ID – enroll2005, password – treeoflife.

Once on the job, you can also obtain extensive

information about CIGNA benefits through Your

CIGNA Life, our benefits and human resources

intranet site which is part of CIGNACentral. From

your work computer, log on to CIGNA Central,

then, click on Your CIGNA Life > Culture > New

Employee Info.

This brochure summarizes CIGNA employee benefits plans, programs and services that are available toregular employees. The brief benefit descriptions in this brochure are limited summaries. Plan details are inthe applicable plan documents, and those documents govern in case any statement in the brochure conflictswith the plan documents. CIGNA has the right to change or end any of its benefits programs at any time.

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