communications portfolio - locktonldb.lockdal.com/.../2020-2022_communications_portfolio.pdf ·...

COMMUNICATIONS

PORTFOLIO

Lockton Dunning Benefits

2020-2022

TOTAL COMPENSATION STATEMENTS

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STATEMENT PREPARED FOR:

YOUR ANNUAL TOTAL REWARDS: <<GTOTALCO>>

EMPLOYEE ASSISTANCE PROGRAM (EAP)Confidential EAP PROVIDER services are available 24 hours a day, 365 days per year. You and your family are eligible for five personal visits with a registered counselor in addition to telephonic and online support. To access the EAP, call XXX-XXX-XXXX or visit www.samplecompany.com.

TUITION REIMBURSEMENT PLANRegular full-time and part-time employees who have completed six (6) months of service are eligible to apply for tuition reimbursement. SAMPLE COMPANY will reimburse up to a maximum of $X,XXX per calendar year for full-time employees and $X,XXX per calendar year for part-time employees.

WORKERS’ COMPENSATIONSAMPLE COMPANY strives to provide a safe working environment for our employees. However, accidents do occasionally occur on the job. Workers’ Compensation insurance is provided by the Company to ensure that should you be injured on the job, you receive the medical attention you need and the assistance required to help you recover as quickly as possible.

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Category 2

Category 3

Category 4

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STATEMENT BASED ON THE FOLLOWING:

Information as of End-Date

Employee Identification Number <<EEID>>

Date of Hire <<EEDOH>>

At SAMPLE COMPANY, we value your well-being. It’s just one reason we strive to provide valuable and significant benefits to your family. With that in mind, we would like to present you with your customized, confidential benefits statement for 20XX.This statement is meant to give you an overview of your current benefits, their value, and their impact on your compensation as a whole.

If you have any questions about your statement or benefits, please reach out to Human Resources.

Regards, NAME

Important Facts about Your Personalized Benefit Statement

While care was taken to Insure this statement is accurate, the possibility of error always exists. The availability and amounts of your actual benefits will always be governed by the official Plan Documents. This statement is not a legal document and should not be construed as such. It does not constitute a contract of employment or a guarantee of any particular benefit. Contact Human Resources if you have any questions.

DEAR <<FNAME>>,

On

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ing

Acc

ess

Monthly Email Blast, Poster and Blog

LDBLIFESTYLEBENEFITS.COM

BONUS ARTICLE OF THE MONTH: WASTE NOT

BENEFIT SPOTLIGHT

MAY 2019 DIY HEALTH

HIKING HOW-TOHiking can be a fun way to exercise and spend time outdoors. Check out these tips for beginners.

WELLNESS AT WORKEmployer-sponsored wellness programs began as company fitness programs, but now they offer a lot more, including incentives, social support, interactive tools to sustain healthy behavior, and insurance premium discounts. They work to create healthier employees and prevent chronic diseases like heart disease and diabetes. And federal regulations ensure data privacy.

• Take advantage of the health tools offered. You’ll find guidance and programs for weight loss, exercise, eating healthier and quitting smoking.

• Enjoy premium discounts. Many employers offer a discounted premium for your health insurance if you participate in or reach a certain level in the wellness program. You can earn points through exercise, online classes, a biometric screening and more.

• Events and camaraderie. Often going hand in hand with wellness programs are company-sponsored events such as 5Ks or yoga classes. This gives you a chance to earn points and get to know your coworkers in a different way.

LET’S GET HYDROPONICHydroponics is a method of growing plants in a water-based, nutrient-rich solution. Rather than using soil, plants’ roots are supported using an inert medium, allowing the roots direct contact with the solution and access to oxygen. The use of the growing medium aerates and supports the plant and channels the water and nutrients.

The easiest and most common hydroponic system is deepwater dulture, or the reservoir system. Roots are suspended in a nutrient solution with an aquarium air pump oxygenating it. Other types of systems include nutrient film technique (a continuous flow of nutrients over the roots) and aeroponics (roots are suspended in the air and misted with nutrient solution).

Benefits include:

Compared to soil gardening, hydroponics is more expensive due to the cost of equipment and nutrients. It can also take up a lot of space. Research what plants and method will work best for you.

Speed. A hydroponic plant can have a growth rate 30% to 50% faster than a soil plant.

Yield. Scientists believe the extra oxygen in the growing medium stimulates root growth.

Environment. It uses less water, as the water is constantly reused. It also requires little to no use of pesticides, and removes any risk of topsoil erosion, as soil isn’t even used.

Always take at least one person with you. It’s good to have a buddy to stay safe.

Know your trails. Park rangers can school you on the terrain and wildlife.

Gear up! Make sure your feet have enough support and the shoes are broken in. Dress for the weather by layering.

Don’t forget food and water. A good rule is to eat 200 to 300 calories per hour to keep your strength up. You should bring at least a half-liter of water for each person for each hour.

Stay safe. Bring along a first-aid kit, your phone and a compass. Make sure someone knows where you are, and consider leaving a note with your route plans in your car.

Hike kindly. Leave the trail how you found it – don’t litter, leave any plants or animals alone, and be considerate of other hikers.

Lockton BenefitLink

RETIREMENT GOALSHOW TO SLAY YOUR 401(K)Weekend getaways. Trying the newest restaurant in town. Discovering the latest tech gadgets. Enjoying the comforts life has to offer may seem second nature when you’re a young millennial and new to the professional world. But as you age, how can you ensure those comforts are still within reach? Even after you retire, you don’t have to give up the lifestyle you are building. All you have to do is save.

This employer-sponsored retirement account can help build and create choices for your future self by saving money — tax-free — from your paycheck. The sooner you participate in a 401(k), the better.

COOL. SO NOW WHAT?Research your employer’s 401(k) plan and find out what your options are. Some companies match your employee 401(k) contribution up to a certain amount (usually a percentage) annually. This increases your retirement savings and sets you up for success in the long term!

Not all companies offer a 401(k) plan. For those who do not have that option or are self-employed, an Individual Retirement Arrangement (IRA) may be the option for you. Traditional IRAs are tax-deductible, but Roth IRAs are taxed now.

Determining which percentage of your income to contribute to your account is the first step. Aiming for 12% to 15% (inclusive of employer match contributions) is a good start, but keep in mind this percentage depends on each individual’s financial situation.

Regardless of which retirement account you choose or how much you contribute, it’s important to think of it as a long-term strategy. Dipping into the account early will jeopardize the quality of your retirement and rack up penalties from the IRS.

Pre-tax vs. Roth 401(k) — what’s the difference? If you contribute to your 401(k) pre-tax, your contributions will be taken out before taxes each pay period. However, you’ll have to pay taxes on the funds when you withdraw them during retirement. If you have a Roth 401(k), contributions will be deducted from your paycheck after taxes — but you won’t pay taxes when you withdraw during retirement. Once you retire, you might be in a higher tax bracket, so contributing after taxes now could save you money in the long run.

WHAT IS A 401(k)?

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INDUSTRY

WANDER

SQUARE

PARALLEL

OUTDOORS

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sHealth Risk Solutions (HRS)

Health Reimbursement Account

Health Savings Account

THE BENEFITS ASSISTANCE CENTER IS AVAILABLE TO TAKE YOUR CALL!

THE BENEFITS ASSISTANCE CENTER

� Provider Contact Information

� Claims Issues

� Eligibility Assistance

� Annual Open Support

� Replacement ID Cards

� Assistance with Insurance Companies

� Questions about Your Benefitsand Plan Coverage

Sample Company Benefits Assistance Center is dedicated to helping you maximize your health and welfare benefits. When you call the Benefits Assistance Center, you will speak with a dedicated customer service representative who can help you with a wide range of questions and concerns including:

Sample CompanyBENEFITS ASSISTANCE CENTER

HOURS OF OPERATION: MONDAY-FRIDAY, 7AM-6PM CSTTOLL-FREE PHONE NUMBER: 800-X X X-X X X

EMAIL: [email protected] FA X NUMBER: 855-X X X-X X X X

QUESTIONS ABOUT YOUR BENEFITS?

800-XXX-XXX

HEALTHY RANGES FOR RISK FACTORSHDL CHOLESTEROL

FAST

ING

GLU

COSE

BLOODPRESSURE WAIST CIRCUMFERENCE

TRIGL

HDL CHOLESTEROL

FAST

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GLU

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BLOODPRESSURE WAIST CIRCUMFERENCE

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<150

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<130/85 < 35 in

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<150

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* Biometric Screening results and

Health Risk Assessments are completely confidential.

All personal information and results are protected by

the Health Insurance Portability and Accountability Act

(HIPAA) and will not be shared with Sample Company.

Focusing on improving your health not only helps your body — you’ll save time and money in the long run too! We’re here to help you crush those fitness goals and make your day-to-day life better.

CONQUER YOURHEALTHGOALS

CDHP/HSA

CDHP/HRA

WELLNESS

CALL CENTER

MOBILE APP

LIFESTYLE BENEFITS

EDUCATIONAL FLIERS

Now What?

20XX-20XX

The Health Reimbursement

Account (HRA)

What You

20XX-20XX

3

The LDB Communications Practice streamlines all benefits‑related employee communication needs — from branded, compliance‑approved master designs to custom pieces. Our Practice offers communications strategies, mobile integration

platforms, project management, design customization, proofreading, and coordination with translation and print vendors.

CORE COMMUNICATIONS

• Guide, Trifold, Poster, Postcard, Email blasts, Letterhead, Self‑Mailer and PowerPoint in 5 Master Designs (available in color and black & white)

• Topic‑Specific Toolkits: CDHP (HSA & HRA), Wellness and Call Center

ADDITIONAL SERVICES• Monthly Wellness & Benefits Email Blast, Posters and Blog

(English & Spanish versions)

• Mobile Integration: Lockton BenefitLink Mobile App and Landing Pads

SERVICES PROVIDED FOR AN ADDITIONAL FEE• Total Compensation Statements

• eMags

• Enhanced Lockton BenefitLink Mobile App Communications, including Push Alerts and Custom Messaging

• Customized Collateral: Newsletters, Brochures, Fliers, Letters and More!

• Preferred Pricing Relationships with Video and Text Messaging Vendors

Sample Landing Pad

ldb.lockdal.com/sampleco

Communications Portfolio

portfolio.lockdal.com/index.html

SELF‑ MAILERFOLDS TO 8.5 X 5.5 POSTCARD

8.5 X 6

TRIFOLDFOLDS TO 11 X 5.66

4

POWERPOINT

POSTERS11 X 17 & 22 X 27.5BENEFITS GUIDE

8.5 X 11

WANDER ENROLLMENT MATERIALS

Also Available as an Email Blast

COMMUNICATIONS

PORTFOLIO

5

SELF‑ MAILERFOLDS TO 8.5 X 5.5


POSTCARD8.5 X 6

POWERPOINT

BENEFITS GUIDE8.5 X 11

POSTERS11 X 17 & 22 X 27.5

ENROLLMENT MATERIALS

INDUSTRY





POSTCARD8.5 X 6

POWERPOINT

POSTERS11 X 17 & 22 X 27.5

6

PARALLEL* ENROLLMENT MATERIALS

*Designed without images


COMMUNICATIONS

PORTFOLIO

7




POSTCARD8.5 X 6

POWERPOINT

POSTERS11 X 17 & 22 X 27.5

OUTDOORS ENROLLMENT MATERIALS



BENEFITS GUIDE7.5 X 7.5


POWERPOINT

POSTERS11 X 17 & 22 X 27.5

POSTCARD8.5 X 6

8

SQUARE ENROLLMENT MATERIALS


COMMUNICATIONS

PORTFOLIO

9

OVERVIEW MAILER8.5 X 5.5

SPECIALTY TOOLKITS

TAX POSTCARD8.5 X 6

Save Money on TAXES!

Contribute to your HSA

Did you know that Health Savings Account (HSA) contributions for 20XX

can be made up until the federal tax-filing deadline of April XX if you

have not yet filed your taxes?

Contact Sample Bank Administrator to make a 20XX contribution after

January 1, 20XX. You’ll likely just need to write “20XX Contribution” in the

memo portion of your check and complete any required paperwork.

Contact Sample Bank Administrator for more details. If you’ll still have

money in your account on December 31, don’t worry — HSA accounts roll

over from year to year and are portable, so if you leave Company Name

or retire your account goes with you.

REMINDER!

20XX HSA

Contribution

Limits

Individual: $X,XXX

Family: $X,XXX

*Catch-Up: $X,XXX

*Limited to Ages 55 and Older

Please Note: HSA funds used for non-qualified expenses are subject

to ordinary income tax and may incur a 20% IRS penalty. You

generally should submit IRS Form 8889 with your tax return if you

had an HSA in 20XX. State taxes may vary. Consult your tax advisor

for specific advice.

Address Line 1 Address Line 2 City, State ZIP

Don’t Forget Your HSA This

Tax Season!

20XX‑20XX

LETTERS8.5 X 11

Dear Employees:

The cost of healthcare in the U.S. has been steadily growing each year, and Sample Company

isn’t immune from these effects. Why? Some of the factors include an aging population,

increased demand for care (resulting in higher prices for premiums and prescription drugs)

and an increase in chronic illnesses. We want to do what we can to keep your healthcare costs

reasonable. Therefore, Sample Company will transition to a Consumer-Driven Health Plan

(CDHP) with Sample Vendor. This change will take place in January.

Make sure you’re informed about this new option so you can make the best healthcare choices

for you and your family. Placing an importance on preventive care, making healthy choices,

and managing costs will help keep your health — and wallet — in control in the long run. Our

new plan focuses on raising cost transparency, creating healthier behaviors, and helping you

become more informed about your health care spending.

Smooth Transitions

Changes have been built with you and your family in mind:

You’ll likely pay less in premiums (think less money from your paycheck).

Access to current physicians, hospitals and other medical providers will not be disrupted.

You’ll pay for the full cost of non-preventive medical services until you reach your deductible.

Wellness exams are still fully covered.

You can also use a Health Savings Account in conjunction, which provides a safety net for

unexpected medical costs and tax advantages.

Our commitment to offering you high-quality health care isn’t changing, and we’ll keep you

informed along the way. More detailed information will arrive soon to your inbox and mailbox.

And don’t forget to attend one of our upcoming Open Enrollment meetings! These meetings will

be held in all office locations in October of this year.

Immediate Questions?

Please reach out to Human Resources at 999-999-9999.

Thanks for all you do,

CEO Name

20XX-20XX

How can I make the most of my HSA?1. Tax free three ways. You can contribute

money into your HSA tax free. Payments for medical expenses from your HSA are tax free. And you’ll earn yearly interest on the account – tax free!

2. Don’t forget about your employer contribution. Sample Company provides an HSA employer contribution for employees, deposited annually and prorated based on your enrollment in the HSA.

3. Know what’s eligible. You can use funds from your HSA for doctors’ visits, hospital care, dental and vision care, prescriptions and more.

4. Roll over and save. You are not required to use HSA funds within any particular timeframe. Any unused funds roll over from year to year, allowing you to save and build interest.

5. Contribute flexibly. Tight on cash? Contribute less to your HSA this year. Just got a raise? Contribute more. Just stay under the annual IRS contribution limit.

6. Bring your HSA into retirement. You can use your HSA funds for qualified medical expenses tax free anytime. Once you’re over age 65, you can use your HSA funds as taxed income for anything!

The Consumer‑Driver Health Plan (CDHP)

works in conjunction with a Health Savings

Account (HSA) to reduce health care costs.

This plan allows you more choice and

flexibility in your health care spending.

So how does it all work?

Sample Company is offering this plan option to all eligible

employees in 20XX. You’re eligible to open and fund an HSA if:

You are enrolled in an HSA‑eligible Consumer‑Driven

Health Plan.

You are not covered by your spouse’s non‑CDHP health plan.

Your spouse does not have a health care Flexible Spending

Account or Health Reimbursement Account.

You are not eligible to be claimed as a dependent on

someone else’s tax return.

You are not enrolled in Medicare or TRICARE.

You have not received Department of Veterans

Affairs medical benefits in the past 90 days for

non‑service‑related care.

Is there a contribution limit?The annual maximum amount that can be contributed to an HSA

from all sources, including Sample Company’s contributions, is set

each year by the IRS. The annual contribution maximum is based

on the coverage option elected. Employees age 55 and older may

make an additional “catch‑up” contribution up to $1,000.

What are the benefits? You can contribute pre‑tax payroll deductions to your HSA.

Sample Company will also contribute up to $X,XXX to

your HSA.

Funds withdrawn from your account to pay for qualified

medical expenses are tax free.

Your HSA balance will grow with tax free interest.

Any unused funds in your HSA will roll over from year to year

– the money in the account is yours, even if you leave Sample

Company or retire.

20XX HSA ContributionsIRS Maximum Contributions

Sample CompanyContribution

Individual $X,XXX $X,XXX

Family $X,XXX $X,XXX

Catch‑Up Contribution (ages 55 and older)

$1,000

* 20XX IRS maximum contributions include Sample Company contribution

20XX-20XX

What are qualified medical expenses?Qualified medical expenses are anything you would usually pay

for out of your own pocket, including doctors’ visits, prescriptions,

glasses/contacts, some over‑the‑counter medications with a

prescription and more. A full list can be found in IRS Publication

502 at www.irs.gov.

I’m eligible! So how do I open it?Enroll into Sample Company’s CDHP medical plan. The

time to enroll in 20XX benefits is almost here!

Annual Enrollment: Month Day, Year

Please note: Enrolling in the CDHP does not automatically

open your HSA account. You must open it to fund it.

To open your HSA, contact Sample HSA Bank:

Online www.samplecompany.com

Mail Address Line 1 Address Line 2 City, State ZIP

Phone 999‑999‑9999

More Questions? Contact Human Resources.

CDHP FAQ

CDHP FAQ

OVERVIEW MAILER8.5 X 5.5

CDHP/HRA HEALTH REIMBURSEMENT ACCOUNT

CDHP/HSA HEALTH SAVINGS ACCOUNT

CDHP Letter CEO to Employees

All About the Consumer‑Driven Health Plan and Health Savings Account

The Consumer‑Driver Health Plan (CDHP)

works in conjunction with a Health Savings

Account (HSA) to reduce healthcare costs.

This plan allows you more choice and flexibility

in your healthcare spending. So how does it

all work?

Key features 100% preventive and wellness care coverage with in‑network providers.

You’ll likely see reduced premiums (think

less money out of your paycheck). Qualified employee‑paid medical

expenses count toward the deductible and

out‑of‑pocket maximum. You can also use a Health Savings Account

in conjunction with the CDHP, which provides a safety net for unexpected

medical costs and tax advantages.

What’s a Health Savings Account (HSA)?An HSA is a personal healthcare bank

account that you own and administer. It’s

used to pay for qualified medical expenses.

It’s funded by you, and in some cases your

employer too. It’s up to you how much

you contribute, when to use the money for

medical services, and when to reimburse

yourself. You can save and roll over HSA

funds to the next year if you don’t spend

them all in the calendar year. You can even

let funds accumulate year‑over‑year to use

in retirement. HSA funds are also portable

if you change jobs. There are no vesting

requirements or forfeiture provisions. HSA

contributions and withdrawals for qualified

healthcare expenses are tax free.EligibilityYou’re eligible to open and fund an HSA if: You are enrolled in an HSA‑eligible

Consumer‑Driven Health Plan (CDHP). You are not covered by your spouse’s

non‑CDHP health plan. Your spouse does not have a healthcare Flexible Spending Account

or Health Reimbursement Account. You are not eligible to be claimed as

a dependent on someone else’s tax return.

You are not enrolled in Medicare or TRICARE.

You have not received Department of Veterans Affairs medical

benefits in the past 90 days for non‑service‑related care.

3

All About the Health Reimbursement Account (HRA)The Health Reimbursement Account (HRA) is an innovative health plan that helps control medical costs by offering you choice and flexibility.

What is an HRA?An HRA is a health care bank account that’s IRS‑approved and employer‑funded. You can use it to pay eligible out‑of‑pocket medical expenses for you and your covered dependent(s) when you are enrolled in Sample Company’s XXXX plan.

What are the key features? Sample Company contributes to your

account, and these funds aren’t taxed. If you spend these dollars on qualified medical expenses, you won’t pay taxes either.

You control how your HRA funds are spent.

You can choose your doctors and other health providers, and HRA dollars used for qualified medical expenses are not taxable to you.

How does an HRA work?1. It Pays First

Sample Company contributes to the HRA on your behalf.

Your HRA pays your eligible medical expenses as long as there are available funds.

These payments apply to your $X,XXX plan deductible.

2. You Meet Your Deductible

Your annual deductible is the amount you must pay before your plan pays.

If you use all of your HRA funds, you must then pay the rest of the deductible out of pocket.

Most preventive care is covered by Sample Medical Provider up to 100%, whether or not you have met your deductible.

3. You Only Pay Coinsurance

Once you have met your deductible, you and Sample Company share costs. Your coinsurance amount is XX% and the plan pays XX%.

For your protection, there is a limit on how much you are required to pay out of pocket: your out‑of‑pocket maximum. Your in‑network out‑of‑pocket expenses are limited to $X,XXX for individual coverage and $XX,XXX for family coverage.

After you reach your out‑of‑pocket maximum, Sample Company covers all expenses up to 100% for the rest of the year.

How do I use my HRA?You may use your HRA to pay for qualified medical expenses such as doctors’ visits, hospital care or prescription drugs.

You’re responsible for:

Any health care service not covered by your plan.

Any service cost needed after you’ve spent all the funds in your HRA. You are responsible for your deductible and copays after the HRA funds have been spent.

Your coinsurance or copay amount after you meet the deductible.

If all of your medical expenses are covered services and the total cost does not exceed the amount in your HRA, you may not have any out‑of‑pocket costs.

How do I track my balance?Get the most from your HRA by keeping track of it. Visit www.samplewebsite.com for resources like:

Online access to your fund balance, past transactions and claim status.

Medical and drug cost comparison information.

Lists of medical expenses that qualify for coverage on your plan.

Sample Company Contributions

Employee Only $X,XXX

Family Coverage $X,XXX

10

SPECIALTY TOOLKITS

BIOMETRIC REPORT CARD8.5 X 11 (TWO OPTIONS)

BIOMETRIC POSTER11 X 17 & 22 X 27.5

This year, Sample Company is offering all benefit-eligible employees FREE on-site health screenings on Month Day, Year.

Take this opportunity to get to know your health and set goals to improve. Need more motivation? Participate in the biometric screening and you’ll save $XX on your 20XX medical premiums.

Our goal is to help you achieve your best health. Rewards for participating in a wellness program are available to all benefits-enrolled employees. Employees and spouses who are unable to meet a biometric standard under this wellness program might qualify for an alternate opportunity (or their physician may recommend one) that would allow them to meet the standard and thus qualify them for the reduced medical premium. Please contact Sample Vendor at XXX-XXX-XXXX to learn more.

SCHEDULE YOUR FREE BIOMETRIC SCREENINGBiometric Screenings are Month Day, Year. Visit www.samplewebsite.com for details.

POSTCARDS8.5 X 6

BETTERHEALTHBUILT BY YOU

CONQUER YOUR

HEALTHGOALS Ready to Quit and Get Fit?Visit www.samplewebsite.com for information about tobacco cessation programs

and options available through Sample Medical Provider.

AVOID THE 20XXTOBACCO/NICOTINE SURCHARGE

Action Needed!S Contact Sample Vendor at XXX-XXX-XXXX or www.samplewebsite.com to schedule your Biometric Screening.T Call Jane Doe in Human Resources at XXX-XXX-XXXX for a Tobacco/Nicotine Affidavit.U

XXX-XXX-XXXX

Enrolled in the CompanyMedical Plan? and your covered dependent(s) (18 and older) must submit a Tobacco/Nicotine Affidavit by Month Day, Year or test negative for nicotine during a Biometric Screening by

CORONARYDISEASERISK IS CUT IN 1/2

COLEVELS

RETURN TONORMAL

LETTERS8.5 X 11

Dear employees,

A healthy lifestyle helps you personally and professionally, and Sample

Company is here to help you along the path to wellness. That’s why we offer

free on-site Biometric Screenings and Health Risk Assessments* conducted

confidentially by Sample Vendor. These screenings help identify common

risk factors that could be obstacles to achieving your best health. The more

you know, the more power you have to prevent heart disease, diabetes and

stroke.

As we get closer to Open Enrollment, don’t forget that we will conduct free

on-site Biometric Screenings. If you and your spouse/domestic partner are

enrolled in the Company medical plan(s), you are both required to participate

and meet or improve three out of the five commonly accepted Metabolic

Syndrome benchmarks (see below for details) and submit a Health Risk

Assessment by Month, Day, Year to qualify for reduced medical premiums in

20XX.

HEALTHY RANGES FOR RISK FACTORSHDL CHOLESTEROL

FAST

ING

GLU

COSE

BLOOD PRESSURE WAIST CIRCUMFEREN

CE

TRIGLYCERIDES

HDL CHOLESTEROL

FAST

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GLU

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BLOOD PRESSURE WAIST CIRCUMFEREN

CE

TRIGLYCERIDES

**

< 150

> 50

< 10

0

< 130/85 < 35 in.

< 150

> 40

< 10

0

< 130/85 < 40 in.

**If you have self-identified or tested positive for tobacco, you may complete a tobacco cessation

program to qualify for a reduced medical premium.

Our goal is to help you achieve your best health. Rewards for participating

in a wellness program are available to all benefits-enrolled employees.

Employees and spouses who are unable to meet a biometric standard under

this wellness program might qualify for an alternate opportunity (or their

physician may recommend one) that would allow them to qualify for the

reduced medical premium. Contact Sample Vendor at XXX-XXX-XXXX for

details.

We’ve got your back. Better health is within reach, and we can help you

meet your goals. The first step: taking advantage of the free one-on-one

Health Coaching available to you as a Sample Company Wellness Program

participant. You have access to specially trained health professionals,

including registered dietitians, clinicians, nurses and certified personal trainers

who can help you achieve wellness. Contact your Health Coach by calling

Sample Vendor at XXX-XXX-XXXX or by visiting www.samplewebsite.com.

This tiny step is a big one in your wellness journey — small lifestyle

improvements bring you closer to being your best, healthiest self. Plus, you’ll

save money!

Additional details on Open Enrollment meetings and on-site Biometric

Screenings will be sent out in the next few weeks. If you and/or your enrolled

spouse/domestic partner are unable to attend a free on-site screening, your

physician may complete the necessary testing and paperwork. Please contact

Human Resources for the required form. Visit www.samplewebsite.com to

complete a Health Risk Assessment. Don’t forget: To qualify for reduced

medical premiums in 20XX you and your enrolled spouse/domestic partner

must complete a Biometric Screening (meeting or improving three out of the

five benchmarks) and submit a Health Risk Assessment by Month Day, Year.

Here’s to you and your health!

In good health,

CEO Name

* Biometric Screening results and

Health Risk Assessments are completely confidential.

All personal information and results are protected by

the Health Insurance Portability and Accountability Act

(HIPAA) and will not be shared with Sample Company.

Focusing on improving your health not only helps your body —

you’ll save time and money in the long run too! We’re here to help

you crush those fitness goals and make your day-to-day life better.

CONQUER YOUR

HEALTH GOALS

Dear employees,

Getting healthier can change your life, and there’s no time like the present. Sample Company offers all benefits-eligible employees help on your health journey through Wellness Program, a health-management program through Sample Vendor. This benefit is provided at no cost and is completely confidential.

Wellness Program can guide you through making healthier choices and achieving your lifestyle goals. This program is full of helpful tools such as:

• Educational webinars, programs and challenges

• Personalized coaching and chronic-condition management tools

• Convenient and secure storage of medical records

• Helpful reminders about preventive exams

• BMI and weight management tools

• Customized calculators

For more information about Wellness Program, please visit www.samplewebsite.com.

Take the first step on your path to wellness. Sample Company has partnered with Sample Vendor to provide free on-site Biometric Screenings and Health Risk Assessments* for employees and spouse/domestic partners enrolled in the Company medical plan(s). Complete the screening by Month Day, Year, in order to earn a $XX premium differential incentive by Month Day, Year.

Our goal is to help you achieve your best health. Rewards for participating in a wellness program are available to all benefits enrolled employees. Employees and spouses who are unable to meet a biometric standard under this wellness program might qualify for an alternate opportunity (or their physician may recommend one) that would allow them to meet the standard and thus qualify them for the reduced medical premium. Please contact Sample Vendor at XXX-XXX-XXXX to learn more about your options.

WHAT IS A BIOMETRIC SCREENING? This confidential health analysis includes a blood draw and biometric assessment that helps you identify potential health problems early. A Biometric Screening typically includes measurements for blood pressure, blood lipids (total cholesterol, HDL cholesterol), glucose, height, weight, body mass index, waist circumference and a nicotine swab test.

REMEMBER! TO QUALIFY FOR THE $XX PREMIUM DIFFERENTIAL, YOU AND YOUR SPOUSE/DOMESTIC PARTNER MUST COMPLETE A FREE ON-SITE BIOMETRIC SCREENING AND SUBMIT A HEALTH RISK ASSESSMENT BY MONTH DAY, YEAR.Discovering any risk factors you may have allows you to take action and make steps toward wellness. We want to help you take responsibility for your health and create the best possible future for you and your family. Look for additional details about this incentive from Sample Company over the next few weeks.

Here’s to you and your health!

In good health, CEO Name

*Biometric Screening results and Health Risk

Assessments are completely confidential. All personal

information and results are protected by the Health

Insurance Portability and Accountability Act (HIPAA) and

will not be shared with Sample Company.

Sign Up for YourFREE Biometric Screening

BETTER HEALTH BUILT BY YOU

QUIT& GET FITDear employees,

Sample Company knows that the choices we make every day affect our lives — and we want to help you make positive healthy changes.

Due to the high personal and medical costs associated with chronic tobacco/nicotine use, Sample Company is implementing a Tobacco/Nicotine Surcharge,

effective Month Day, Year.

WHAT IS A TOBACCO/NICOTINE SURCHARGE?Sample Company assesses a $XX monthly Tobacco/Nicotine Surcharge for

employees, spouses/domestic partners and/or dependents older than age

18 who use tobacco and are enrolled in Sample Company’s medical plan(s).

The Tobacco/Nicotine Surcharge is in addition to the regular monthly medical

premiums. Tobacco use includes any form of tobacco/nicotine, including

cigarettes, cigars, snuff, chewing tobacco, pipes, e-cigarettes, etc., used within

the last six months, regardless of frequency or location. The use of FDA-

approved Nicotine Replacement Therapy, such as nicotine patches, gum or

lozenges, is not considered tobacco use.WHO IS INCLUDED IN THE TOBACCO/NICOTINE SURCHARGE?Any employee, spouse/domestic partner and/or dependent(s) over 18 on

the Sample Company medical plan(s) who meets the tobacco/nicotine user

definition will be assessed the Tobacco/Nicotine Surcharge effective Month

Day, Year.

HOW WILL TOBACCO/NICOTINE USE OR NON-USE BE IDENTIFIED?Each covered employee must submit a Tobacco/Nicotine Affidavit, which

allows the employee and their dependents to self-report their tobacco/

nicotine status, by Month Day, Year. Anyone who does not submit the

Tobacco/Nicotine Affidavit by Month Day, Year will automatically be assessed

the Tobacco/Nicotine Surcharge.

WHAT PROGRAMS OR SERVICES DOES SAMPLE COMPANY OFFER COVERED EMPLOYEES AND DEPENDENTS?

Our goal is to help you achieve your best health. If you do not meet the

tobacco/nicotine-free requirement, you may be eligible to avoid the Tobacco/

Nicotine Surcharge by different means. Sample Company’s medical plan(s)

through Sample Medical Provider currently cover the cost of several options

to help you, your spouse/domestic partner and/or dependent(s) over 18

quit using tobacco, including Nicotine Replacement Therapy and a Tobacco

Cessation Program. Please contact Sample Vendor or HR representative at

XXX-XXX-XXXX or email to submit confirmation of completing or enrolling in

the designated tobacco cessation program by Month Day, Year or to submit

confirmation of being under a physician’s care for tobacco or nicotine use by

Month Day, Year. Rewards for participating in this program are available to all

benefits-enrolled employees.

KEY DATES TO REMEMBER:All employees, their spouses/domestic partners and dependent(s) over

18 who are enrolled in the Company medical plan(s) must submit the

Tobacco/Nicotine Affidavit to Jane Doe in Human Resources at janedoe@

samplecompany.com by Month Day, Year.Complete the Tobacco Cessation Program by Month Day, Year.The Tobacco/Nicotine Surcharge will be applied to medical premiums

beginning Month Day, Year. In good health,CEO Name

Rewards for participating in a wellness program are available to

all employees. If you think you might be unable to meet a standard

for a reward under this wellness program, you might qualify for an

opportunity to earn the same reward by different means.

AVOID THE 20XX TOBACCO/NICOTINE SURCHARGE

OUTCOMES

OUTCOMES

TOBACCO

TOBACCO

PARTICIPATION

PARTICIPATION

Where Are We Unhealthy?

CHOOSE HEALTH

Call Your Physician. Remember, preventive care is covered at 100% by your carrier. For more information, contact wellness vendor at phone number or website.

0

1

2

3

4

5

Why Your Numbers Matter!If you are out of range in 3 or more of the risk factors listed below, you have Metabolic Syndrome.

This means you are twice as likely to develop heart disease, which can lead to heart attacks and strokes, and five times as likely

to develop diabetes. For more information about Metabolic Syndrome, visit www.heart.org or www.ncbi.nih.gov.

Num

ber

of

Ris

k F

acto

rs

How Many Risks Do We Have?

25p

28p

23p

18p

15p

10p

Sample CompanyNational Average

Blood Pressure

58%31%

Glucose

58%33.9%

HDL

58%18%

Triglycerides

58%25.1%

BMI/Waist Circumference

58%35%

RISK FACTORS

If you are out of range in 3 or more of the risk factors listed below, you have Metabolic Syndrome.

Number of Employees

What Impact Does This Have On You?

43%of Sample Company

employees have Metabolic Syndrome this year.20%

of Company Name employees who had Metabolic Syndrome last year improved their health

How much more you will spend over a lifetime if you are obese or have 3+ risks

=$92,235

The number of years your life will be reduced if you are obese or have 3+ risks

=5

Do You Have 3+ Risk Factors? Get Help Now!

Call Your Physician. Remember, preventive care

is covered at 100% by your carrier. For more

information, contact wellness vendor at phone

number or website.

of Company Name employees

have Metabolic Syndrome

this year

43%

0

1

2

3

4

5

Great Job

Warning

25

28

23

18

15

10

Num

ber o

f Em

ploy

ees

and

Spou

ses

Take Action

Numb

er of R

isk Factors

100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%Whe

re a

re w

e un

heal

thy?

Wha

t Im

pac

t D

oes

Thi

s H

ave

on

You?

5The number of years your

life will be reduced if you

are obese or have 3+ risks

$92,235How much more you will

spend over a lifetime if you

are obese or have 3+ risks

If you are out of range in 3 or more of the risk factors listed below,

you have Metabolic Syndrome.

Sample Company National Average

Blood Pressure

BMI/ Waist Circ.

Glucose HDL Triglycerides

of Company Name employees

who had Metabolic Syndrome

last year improved their health

20%

Do You Have 3+ Risk Factors?

Get Help Now!

Why Your Numbers MatterIf you are out of range in 3 or more of the risk factors listed below,

you have Metabolic Syndrome. This means you are twice as likely

to develop heart disease, which can lead to heart attacks and strokes,

and five times as likely to develop diabetes. For more information

about Metabolic Syndrome, visit www.heart.org or www.ncbi.nih.gov.

How Many Risks Do We Have?The Number Of Employees

At Each Risk Level

Choose Health

WELLNESS HEALTH RISK SOLUTIONS (HRS)

COMMUNICATIONS

PORTFOLIO

11

FLIERS8.5 X 11

POSTERS11x17

SPECIALTY TOOLKITS

POSTERS 11 X 17

THE BENEFITS ASSISTANCE CENTER IS AVAILABLE TO TAKE YOUR CALL!THE BENEFITS ASSISTANCE CENTER


� Claims Issues




� Assistance with

Insurance Companies

� Questions about Your Benefits

and Plan Coverage

Sample Company Benefits Assistance Center is dedicated to helping

you maximize your health and welfare benefits. When you call

the Benefits Assistance Center, you will speak with a dedicated customer

service representative who can help you with a wide range of questions

and concerns including:

Sample Company

BENEFITS ASSISTANCE CENTER

HOURS OF OPERATION: MONDAY-FRIDAY, 7AM-6PM CST

TOLL-FREE PHONE NUMBER: 800-X X X-X X X

EMAIL: [email protected]

TOLL-FREE FA X NUMBER: 855-X X X-X X X X

QUESTIONS ABOUT YOUR

BENEFITS?800-XXX-XXX

WALLET CARDS3.375 X 2.125

Call The Benefits Assistance Center

HOURS OF OPERATION: M-F 7am - 6 pm CST

EMAIL: [email protected] FAX: 800-XXX-XXX

800-XXX-XXX

THE BENEFITS ASSISTANCE CENTER IS AVAILABLE TO TAKE YOUR CALL!



� Claims Issues




� Assistance with Insurance Companies

� Questions about Your Benefits

and Plan Coverage

Sample Company Benefits Assistance Center is dedicated to helping you

maximize your health and welfare benefits. When you call the Benefits Assistance

Center, you will speak with a dedicated customer service representative who can

help you with a wide range of questions and concerns including:

Sample Company


HOURS OF OPERATION: MONDAY-FRIDAY, 7AM-6PM CST

TOLL-FREE PHONE NUMBER: 800-X X X-X X X


TOLL-FREE FA X NUMBER: 855-X X X-X X X XQUESTIONS

ABOUT YOUR

BENEFITS?

800-XXX-XXX �Provider Contact Information �Claims Issues �Eligibility Assistance �Open Enrollment Support �Replacement ID Cards

�Assistance with Insurance Companies �Questions about Your Benefits and Plan Coverage

Sample Company Benefits Assistance Center is dedicated to helping

you maximize your health and welfare benefits. When you call

the Benefits Assistance Center, you will speak with a dedicated customer

service representative who can help you with a wide range of questions

and concerns including:


is Available to Take Your Call!

SAMPLE COMPANY Benefits Assistance Center HOURS OF OPERATION: MONDAY-FRIDAY, 7AM-6PM CST

TOLL-FREE PHONE NUMBER: 800-XXX-XXX


TOLL-FREE FAX NUMBER: 855-XXX-XXXX

About Your Benefits?

QUESTIONS

800-XXX-XXX

A.

A.

C. (FOLDED)

B. B.

B.

• Provider Contact Information

• Claims Issues • Eligibility Assistance • Open Enrollment Support• Replacement ID Cards

• Assistance with Insurance Companies• Questions about Your

Benefits and Plan Coverage

Sample Company Benefits Assistance Center is dedicated to helping you maximize your health and welfare benefits. When you call the Benefits Assistance Center, you will speak with a dedicated customer service representative who can help you with a wide range of questions and concerns including:

THE BENEFITS ASSISTANCE CENTER is Available to Take Your Call!

SAMPLE COMPANY Benefits Assistance Center

HOURS OF OPERATION: MONDAY-FRIDAY, 7AM-6PM CST TOLL-FREE PHONE NUMBER: 800-XXX-XXX EMAIL: [email protected] TOLL-FREE FAX NUMBER: 855-XXX-XXXX

About Your Benefits?

QUESTIONS

800-XXX-XXX

Medical Insurance Sample Company 800-XXX-XXXX www.samplecompany.com

Dental Insurance Sample Company 800-XXX-XXXX www.samplecompany.com

Vision Insurance Sample Company 800-XXX-XXXX www.samplecompany.com

Life, AD&D Insurance Sample Company 800-XXX-XXXX www.samplecompany.com

401(k) Plan Sample Company 800-XXX-XXXX www.samplecompany.com

FSA Sample Company 800-XXX-XXXX www.samplecompany.com

HSA Sample Company 800-XXX-XXXX www.samplecompany.com

Human Resources Sample Company 800-XXX-XXXX www.samplecompany.com


800-XXX-XXXX


FAX: 800-XXX-XXX


is Available to Take Your Call!

Medical Insurance Sample Company 800-XXX-XXXX

www.samplecompany.com

Dental Insurance Sample Company 800-XXX-XXXX


Vision InsuranceSample Company 800-XXX-XXXX


Life, AD&D InsuranceSample Company 800-XXX-XXXX


401(k) PlanSample Company 800-XXX-XXXX


FSASample Company 800-XXX-XXXX


HSASample Company 800-XXX-XXXX


Human ResourcesSample Company 800-XXX-XXXX


Human Resources

Jane DoeHuman Resources........................................................................800-XXX-XXXX




Call The Benefits Assistance Center



FAX: 800-XXX-XXX

800-XXX-XXX

Medical Sample Company 800-XXX-XXXX www.samplecompany.com

Dental Sample Company 800-XXX-XXXX www.samplecompany.com

Wellness Sample Company 800-XXX-XXXX www.samplecompany.com

Vision Sample Company 800-XXX-XXXX www.samplecompany.com

Life Insurance Sample Company 800-XXX-XXXX www.samplecompany.com

AD&D Insurance Sample Company 800-XXX-XXXX www.samplecompany.com

401(k) Plan Sample Company 800-XXX-XXXX www.samplecompany.com

FSA Sample Company 800-XXX-XXXX www.samplecompany.com

HSA Sample Company 800-XXX-XXXX www.samplecompany.com

HRA Sample Company 800-XXX-XXXX www.samplecompany.com

Pet Insurance Sample Company 800-XXX-XXXX www.samplecompany.com

Critical Illness Sample Company 800-XXX-XXXX www.samplecompany.com

EAP Sample Company 800-XXX-XXXX www.samplecompany.com

Human Resources Sample Company 800-XXX-XXXX www.samplecompany.com

A.

CALL CENTER


*THREE FOR WALLET CARD

MASTER DESIGNTwo*

OPTIONS

12

EMAIL BLAST

POSTCARD8 X 5

FLIER 8.5 X 11

GO MOBILE

APP ‑ LOCKTON BENEFITLINK®

Lockton’s app gives your employees and their dependents 24/7 access to your company’s benefits information.

BenefitLink features a news feed, push notifications, Lockton’s digital Lifestyle Benefits monthly newsletter and more!

BenefitLink is a complete mobile employee communication platform!

Available at:

User ID: demo Password: showme

COMMUNICATIONS

PORTFOLIO

13

EMPLOYEE APP OPTIONS

ENTERPRISE:• Fully client branded, customized app with

integrated employee data, allowing you to target messages to specific audiences.

ENGAGED:• BenefitLink with integrated employee data

MENU:The three horizontal bars on the top left of the screen open the navigation menu. There, employees can manage individual profiles, view past push notifications and view pinned articles.

Enterprise Engaged Standard

External App Branding Yes No No

Internal App Branding Yes Yes Yes

Customizable Functionality Yes No No

Individual Usernames Yes Yes No

Targeted Content Yes Yes No

Customizable Content Yes Yes Yes

STANDARD:• Off the shelf BenefitLink

HOME SCREEN:Your home screen is a newsfeed that can be regularly updated with useful and relevant articles. Simply tap the headline to view an article. Articles can be tagged by target audience.

Employees can pin an article for later reading simply by touching the push-pin icon on the article.

LIBRARY:The Library screen features important company reference documents.

CONTACTS:The contacts tab quickly connects your employees with your key contacts, including vendors and call centers.

TOOLS:The tools tab opens a screen that includes useful calculators and online tools.

14

ONGOING ACCESS

PRINTABLE POSTERS

11 X 17ANNUAL CALENDAR

8.5 X 11

ONLINE BLOG

IN FOCUS FLIERS 8.5 X 11

When would I use this? You need routine care or treatment for a current health issue. Your primary doctor knows you and your health history, can access your medical records, provide routine care, and manage your medications.

What type of care would they provide?*• Routine checkups• Immunizations• Preventive services• Manage your general healthWhat are the costs and time considerations?**• Often requires a copay and/or coinsurance• Normally requires an appointment• Usually little wait time with scheduled appointment

WHERE TO GO FOR CAREYou think you may be sick, but your primary care physician is booked through the end of the month. You have a question about the side effects of a new

medication, but the pharmacy is closed. Instead of immediately choosing an expensive trip to the emergency room or relying on questionable information

from the internet, take a look below at various care centers and resources and the types of care they provide.

* This is a sample list of services and may not be all‑inclusive.** Costs and time information represent averages only and are not tied to a specific condition or treatment.

When would I use this?You need a quick answer to a health issue that does not require immediate medical treatment or a physician visit.

What type of care would they provide?* Answers to questions regarding:• Symptoms• Medications and side effects• Self‑care home treatments• When to seek care

What are the costs andtime considerations?**• Nurse lines are usually available 24 hours a day, 7 days a week.• This service is usually free as part of your medical insurance.

When would I use this? You need care for minor illnesses and ailments, but would prefer not to leave home. These services are available by phone and online (via webcam). What type of care would they provide?*• Cold & flu symptoms• Allergies• Bronchitis• Urinary tract infection• Sinus problems

What are the costs andtime considerations?**• There is usually a first-time consultation fee and a flat fee or copay for any visit thereafter. • Access to care is usually immediate.• Some states may not allow for prescriptions through telemedicine or virtual visits.

PRIMARY CARE CENTER NURSE LINE TELEMEDICINE

When would I use this? You need immediate treatment for a serious life‑threatening condition. If a situation seems life threatening, call 911 or your local emergency number right away.

What type of care would they provide?*• Heavy bleeding• Chest pain• Major burns• Spinal injuries• Severe head injury• Broken bones What are the costs andtime considerations?**• Often requires a much higher copay and/or coinsurance.

• Open 24/7, but waiting periods may be longer because patients with life‑threatening emergencies will be treated first.

EMERGENCY ROOM

DO YOUR HOMEWORK

What may seem like an urgent care center could actually be a standalone ER. These newer facilities come with a higher price tag, so ask for clarification if the word "emergency" appears in the company name.

When would I use this?You need care quickly, but it is not a true emergency. Urgent care centers offer treatment for non‑life‑threatening injuries or illnesses.What type of care would they provide?*• Strains, sprains• Minor broken bones (e.g., finger)• Minor infections• Minor burns• X‑rays

What are the costs andtime considerations?**• Often requires a copay and/or coinsurance that is usually higher than an office visit.• Walk‑in patients welcome, but waiting periods may be longer as patients with more urgent needs will be treated first.

URGENT CARE CENTER

in

RETIREMENT GOALSHOW TO SLAY YOUR 401(K)Weekend getaways. Trying the newest restaurant in town. Discovering the latest tech gadgets. Enjoying the comforts life has to offer may seem second nature when you’re a young millennial and new to the professional world. But as you age, how can you ensure those comforts are still within reach? Even after you retire, you don’t have to give up the lifestyle you are building. All you have to do is save.

This employer-sponsored retirement account can help build and create choices for your future self by saving money — tax-free — from your paycheck. The sooner you participate in a 401(k), the better.

COOL. SO NOW WHAT?Research your employer’s 401(k) plan and find out what your options are. Some companies match your employee 401(k) contribution up to a certain amount (usually a percentage) annually. This increases your retirement savings and sets you up for success in the long term!

Not all companies offer a 401(k) plan. For those who do not have that option or are self-employed, an Individual Retirement Arrangement (IRA) may be the option for you. Traditional IRAs are tax-deductible, but Roth IRAs are taxed now.

Determining which percentage of your income to contribute to your account is the first step. Aiming for 12% to 15% (inclusive of employer match contributions) is a good start, but keep in mind this percentage depends on each individual’s financial situation.

Regardless of which retirement account you choose or how much you contribute, it’s important to think of it as a long-term strategy. Dipping into the account early will jeopardize the quality of your retirement and rack up penalties from the IRS.

Pre-tax vs. Roth 401(k) — what’s the difference? If you contribute to your 401(k) pre-tax, your contributions will be taken out before taxes each pay period. However, you’ll have to pay taxes on the funds when you withdraw them during retirement. If you have a Roth 401(k), contributions will be deducted from your paycheck after taxes — but you won’t pay taxes when you withdraw during retirement. Once you retire, you might be in a higher tax bracket, so contributing after taxes now could save you money in the long run.

WHAT IS A 401(k)?

LIFESTYLE BENEFITS AVAILABLE MONTHLY IN ENGLISH & SPANISH

LDBLIFESTYLEBENEFITS.COM

communications portfolio

15

FLIERLAYOUT

FOLDED BROCHURE LAYOUT


<<FNAME>> <<LNAME>><<ADDRESS1>> <<ADDRESS2>><<CITY>>, <<STATE>> <<ZIP>>


EMPLOYEE ASSISTANCE PROGRAM (EAP)Confidential EAP PROVIDER services are available 24 hours a day, 365 days per year. You and your family are eligible for five personal visits with a registered counselor in addition to telephonic and online support. To access the EAP, call XXX-XXX-XXXX or visit www.samplecompany.com.

TUITION REIMBURSEMENT PLANRegular full-time and part-time employees who have completed six (6) months of service are eligible to apply for tuition reimbursement. SAMPLE COMPANY will reimburse up to a maximum of $X,XXX per calendar year for full-time employees and $X,XXX per calendar year for part-time employees.

WORKERS’ COMPENSATIONSAMPLE COMPANY strives to provide a safe working environment for our employees. However, accidents do occasionally occur on the job. Workers’ Compensation insurance is provided by the Company to ensure that should you be injured on the job, you receive the medical attention you need and the assistance required to help you recover as quickly as possible.

Category 1

Category 2

Category 3

Category 4

<<Cat1_PCT>>

<<Cat2_PCT>>

<<Cat3_PCT>>

<<Cat4_PCT>>

|

|

|

|





At SAMPLE COMPANY, we value your well-being. It’s just one reason we strive to provide valuable and significant benefits to your family. With that in mind, we would like to present you with your customized, confidential benefits statement for 20XX. This statement is meant to give you an overview of your current benefits, their value, and their impact on your compensation as a whole.


Regards, NAME



DEAR <<FNAME>>,

COVER 2

LIFE AND AD&DSAMPLE COMPANY also provides you with Life and

Accidental Death and Dismemberment (AD&D)

insurance at no cost. You have the option to

purchase additional coverage for yourself, your

spouse and/or dependent(s). You currently have

selected the following coverage:Employee

<<SLIEE>>Spouse

<<SLISP>>Child

<<SLICH>>AD&D

<<SLAEEA>>RETIREMENT PLANSThe SAMPLE COMPANY 401(k) Retirement Savings

Plan allows you to save money with pre-tax

contributions, while investing in your future.

We match XX% of the first XX% you contribute.

Right now, you contribute <<RETPCT>> to the

401(k) Plan.

PAID TIME OFFYour benefit includes: <<VACHRS>> accrued

vacation hours, XX Company-designated holidays,

up to XX floating holidays and <<SCKHRS>>

hours for sick leave, bereavement or jury duty.FLEXIBLE SPENDING ACCOUNTS

Flexible Spending Accounts (FSAs) allow you to

get tax savings for eligible health or dependent

care expenses paid for out of your own pocket.

SAMPLE COMPANY contributes an amount to

your Health Care FSA each year, based on the

level of your medical coverage. For 20XX, total

contributions to your Health Care FSA cannot

exceed $XX. You are allowed to contribute up

to $XX to the Dependent Care FSA ($XX if

married but filing separately). This past year,

SAMPLE COMPANY contributed <<FSACO>>

to your Health Care FSA. You elected to contribute

<<FSAEE>> to your Health Care FSA and

<<FSADEE>> to your Dependent Care FSA.

ANNUAL BREAKDOWN OF BENEFITS COSTS

The table below shows your estimated total compensation for 20XX based on your personal

data as of End-Date. Raises and bonuses received after End-Date are not reflected.

DIRECT COMPENSATIONCompany Contribution Your Contribution

Annual Salary (including vacation/holiday)<<PAYBASE>>

Bonus

<<PAYBONUS>>

Sales Incentives

<<SALESINCNTV>>

COMPENSATION

<<STOTALCO>>

HEALTH AND WELFARE BENEFITSMedical

<<MEDCO>><<MEDEE>>

Dental

<<DENCO>><<DENEE>>

Voluntary Vision

<<VISCO>><<VISEE>>

SURVIVOR BENEFITSBasic Life

<<BLACO>>

Basic Accidental Death & Dismemberment<<ADDCO>>

<<ADDEE>>

Voluntary Life and AD&D

<<VLAEE>>

Voluntary Spouse Life

<<VSPEE>>

Voluntary Child Life

<<VCHEE>>

ILLNESS AND DISABILITY BENEFITSShort-Term Disability (STD)

<<STDCO>><<STDEE>>

Long-Term Disability (LTD)

<<LTDCO>><<LTDEE>>

SAVINGS AND RETIREMENT BENEFITS401(k) Retirement Savings Plan1

<<RETCO>><<RETEE>>

Social Security and Medicare

<<SSMCO>><<SSMEE>>

OTHER PROGRAMSHealth Savings Account (HSA)

<<HSACO>><<HSAEE>>

Wellness Discounts

<<WELLCO>>

Employee Assistance Program (EAP)

<<EAPCO>>

Flexible Spending Accounts (FSAs)

<<FSACO>><<-FSAEE>>

Workers’ Compensation and Unemployment <<WRKCOCO>><<WRKCOEE>>

COMPANY-PROVIDED BENEFITS<<TOTALCOBEN>>

ESTIMATED TOTALS

<<GTOTALCO>><<TOTALEE>>

*Includes all bonuses paid DATE through DATE

1 401(k) amounts annualized based on current deductions.

Your contribution to these amounts is considered savings—not a cost of your benefits.

General Information

Health And WellnessMedical

Contact Information

Life and Disability

Annual Breakdown of Benefits Costs

DIRECT COMPENSATION Company Contribution Your Contribution

HEALTH AND WELFARE BENEFITS

SURVIVOR BENEFITS

ILLNESS AND DISABILITY BENEFITS

SAVINGS AND RETIREMENT BENEFITS

OTHER PROGRAMS

ESTIMATED TOTALS <<GTOTALCO>> <<TOTALEE>>

TOTAL compensation statement

20XX

PERSONAL AND CONFIDENTIAL

Voluntary Long‑Term CareYou are eligible to elect coverage in increments of $X to $X

per month payable for X months, X months, or unlimited.

This coverage protects you in the event you are confined to

a long‑term care facility, require the services of an assisted

living facility or require professional home care services. For an

additional premium, you may add coverage for family members.

Retirement401(k) PlanA pretax 401(k) plan is offered through VENDOR, allowing you

to save money for your retirement. Your allowable contribution is

1 percent to X percent of base pay. SAMPLE COMPANY will match

X percent of X percent of your eligible compensation contributed

to the plan. SAMPLE COMPANY’S match contribution and your

contribution are immediately vested and always belong to you.

If eligible, you may enroll in the plan on the first of the month

after X days employment. VENDOR will mail quarterly statements

directly to your home reflecting your investment information. You

may also access the information 7 days a week/24 hours a day by

contacting VENDOR automated answer line at XXX‑XXX‑XXXX

or online (www.xxxx.com). You must have your “PIN” number

available to access your personal information.401(K) Vesting

Years of ServiceAmount Vested

X

X%X

X%X

X%X

X%Annual PayFor the purpose of this benefits statement, the company defines

annual pay as the gross compensation paid to you as of DATE.

401(k) information represented is as of DATE. Benefit costs

are based on 20XX costs. Pay and the company’s cost for your

benefits have been annualized for employees with less than one

year of service as of DATE. Beneficiary DesignationsYour applicable beneficiary designation(s) are not reflected in this

statement; however, it is important that you periodically review

such information. If your family status changes, you may wish to

change your beneficiary designation(s). If so, the necessary forms

may be obtained from Human Resources.

Other BenefitsEmployee Assistance ProgramEmployees and family members can receive confidential,

professional assistance to help resolve personal or family

problems. Once a phone call is made to VENDOR, the EAP

provider, a master’s degree‑level counselor, will provide unlimited

telephone assistance. The counselor may refer for a one

face‑to‑face visit with a professional in your area. This service is

provided at no charge to the employee or family member.

Tuition AssistanceIt is the SAMPLE COMPANY’S policy to provide financial

assistance to employees interested in furthering their formal

education, which includes their college education, adult

education, applied technology, etc. The company will reimburse

the costs of tuition, direct fees, and books limited by the

maximum capped allowance upon successfully completing

the course.

VacationYou are entitled to an annual vacation allowance.

You have <<VACHRS>> hours accrued. Additional BenefitsIn addition to the benefits described in this statement as

well as those that are legally mandated, the following benefits

are offered:• Time off for death in the family, jury duty, military obligations,

and family/medical leave• XX recognized holidays• Direct deposit

This statement is designed to provide a brief overview of benefits. This statement does not constitute a Summary Plan Description nor a modification of the

Plan terms and conditions; the Plan Document provisions shall control and govern in the event of any discrepancy.

Statement Based on the Following:Information as of

End-Date

Employee Identification Number

<<EEID>>

Date of Hire

<<EEDOH>>Your Annual Total Rewards: <<GTOTALCO>>

<<Cat1_PCT>> Category 1 <<Cat4_PCT>> Category 4



Dear <<FNAME>>,This detailed statement of your benefits

was prepared just for you. It is designed

to show you the value of your benefits

package, which is a significant part of your

total compensation.We hope you will find this statement

informative and helpful. If there is anything

here you question or do not understand,

please contact Human Resources.Sincerely,

NameTitle

CUSTOM SERVICES

Workers’ CompensationSAMPLE COMPANY strives to provide a safe

working environment for our employees.

However, accidents do occasionally occur on

the job. Workers’ Compensation insurance is

provided by the Company to ensure that should

you be injured on the job, you receive the

medical attention you need and the assistance

required to help you recover as quickly

as possible.

Life and AD&DSAMPLE COMPANY also provides you with Life

and Accidental Death and Dismemberment

(AD&D) insurance at no cost. You have the

option to purchase additional coverage for

yourself, your spouse and/or dependent(s). You

currently have selected the following coverage:

Employee<<SupLifeEE>>

Spouse<<SupLifeES>>

Child(ren)<<SupLifeCH>>

AD&D<<SupLifeCH>>Retirement PlansThe SAMPLE COMPANY 401(k) Retirement

Savings Plan allows you to save money with

pre-tax contributions, while investing in

your future. We match XX% of the first XX%

you contribute. Right now, you contribute

<<RETPCT>> to the 401(k) Plan.Paid Time OffYour benefit includes: <<VACHRS>> accrued

vacation hours, XX Company-designated

holidays, up to XX floating holidays and

<<SCKHRS>> hours for sick leave, bereavement

or jury duty.

Flexible Spending Accounts

Flexible Spending Accounts (FSAs) allow you to

get tax savings for eligible health or dependent

care expenses paid for out of your own pocket.

SAMPLE COMPANY contributes an amount to

your Health Care FSA each year, based on the

level of your medical coverage. For 20XX, total

contributions to your Health Care FSA cannot

exceed $XX. You are allowed to contribute up

to $XX to the Dependent Care FSA ($XX if

married but filing separately). This past year,

SAMPLE COMPANY contributed <<FSACO>> to

your Health Care FSA. You elected to contribute

<<FSAEE>> to your Health Care FSA and

<<FSADEE>> to your Dependent Care FSA.

Annual Breakdown of Benefits Costs

The table below shows your estimated total compensation for 20XX based on your

personal data as of End-Date. Raises and bonuses received after End-Date are

not reflected.

DIRECT COMPENSATIONCompany Contribution

Your Contribution

Annual Salary (including vacation/holiday)

<<PAYBASE>>

Bonus

<<PAYBONUS>>

Sales Incentives

<<SALESINCNTV>>

COMPENSATION

<<STOTALCO>>


Medical

<<MEDCO>><<MEDEE>>

Dental

<<DENCO>>

<<DENEE>>

Voluntary Vision

<<VISCO>>

<<VISEE>>

SURVIVOR BENEFITSBasic Life

<<BLACO>>

Basic Accidental Death & Dismemberment

<<ADDCO>>

<<ADDEE>>

Voluntary Life and AD&D

<<VLAEE>>

Voluntary Spouse Life

<<VSPEE>>

Voluntary Child Life

<<VCHEE>>


Short-Term Disability (STD)

<<STDCO>>

<<STDEE>>

Long-Term Disability (LTD)

<<LTDCO>>

<<LTDEE>>


401(k) Retirement Savings Plan1

<<RETCO>>

<<RETEE>>

Social Security and Medicare

<<SSMCO>>

<<SSMEE>>

OTHER PROGRAMSHealth Savings Account (HSA)

<<HSACO>>

<<HSAEE>>

Wellness Discounts

<<WELLCO>>

Employee Assistance Program (EAP)

<<EAPCO>>

Flexible Spending Accounts (FSAs)

<<FSACO>>

<<FSAEE>>

Workers’ Compensation

and Unemployment

<<WRKCOCO>><<WRKCOEE>>

COMPANY-PROVIDED BENEFITS<<TOTALCOBEN>>

ESTIMATED TOTALS<<GTOTALCO>>

<<TOTALEE>>

* Includes all bonuses paid DATE through DATE01(k) amounts annualized based on current deductions.Your contribution to

these amounts is considered savings—not a cost of your benefits.

Annual Breakdown of Benefits CostsDIRECT COMPENSATION Company Contribution Your Contribution

Annual Salary (including vacation/holiday) <<PAYBASE>>

Bonus <<PAYBONUS>>

Sales Incentives <<SALESINCNTV>>

COMPENSATION <<STOTALCO>>


Medical <<MEDCO>> <<MEDEE>>

Dental <<DENCO>> <<DENEE>>

Voluntary Vision <<VISCO>> <<VISEE>>

SURVIVOR BENEFITS

Basic Life <<BLACO>>

Basic Accidental Death & Dismemberment <<ADDCO>> <<ADDEE>>

Voluntary Life and AD&D <<VLAEE>>

Voluntary Spouse Life <<VSPEE>>

Voluntary Child Life <<VCHEE>>


Short-Term Disability (STD) <<STDCO>> <<STDEE>>

Long-Term Disability (LTD) <<LTDCO>> <<LTDEE>>


401(k) Retirement Savings Plan1 <<RETCO>> <<RETEE>>

Social Security and Medicare <<SSMCO>> <<SSMEE>>

OTHER PROGRAMS

Health Savings Account (HSA) <<HSACO>> <<HSAEE>>

Wellness Discounts <<WELLCO>>

Employee Assistance Program (EAP) <<EAPCO>>

Flexible Spending Accounts (FSAs) <<FSACO>> <<FSAEE>>

Workers’ Compensation and Unemployment <<WRKCOCO>> <<WRKCOEE>>

COMPANY-PROVIDED BENEFITS <<TOTALCOBEN>>

ESTIMATED TOTALS <<GTOTALCO>> <<TOTALEE>>

General InformationThis benefits statement reflects employer‑sponsored programs and any voluntary plans. The annual costs of your employer‑sponsored benefits are ongoing amounts paid for you to participate in the plans. Where actual dollars paid in benefits are not readily available (e.g., medical) the average employer costs to provide coverage are used. The costs include plan administration, actual claims, and premiums. Every effort has been made to provide you with accurate information in this statement. However, there is always the possibility of error(s) occurring in the collation and/or calculation of data. The general descriptions of the benefits in this statement are abbreviated and shorthand versions of the plan documents and are for reference purposes only. The amounts shown reflect only estimates based upon assumptions and your actual benefits may vary. The amount and availability of all benefits will be determined in accordance with the current provisions of the official plan documents, which govern in all cases. The company reserves the right to change the benefit plans at any time, with or without advance notice, for any reason. Revised provisions may supersede, modify, or eliminate existing plan(s). The table below shows your estimated total compensation for 20XX based on your personal data as of End‑Date. Raises and bonuses received after End‑Date are not reflected.

20XX TOTAL COMPENSATION STATEMENT Health And WellnessMedical You are enrolled in the <<MedPlan>> coverage. The majority of our employees are covered by the CARRIER PPO plan. Employees have the choice to enroll in the Standard plan where in‑network services are reimbursed at X percent after a $X individual deductible or in the Premium plan where in‑network services are reimbursed at X percent after a $Xindividual deductible. An alternate HMO plan may be available in your area.

Prescription DrugsPrescription drug benefits are available through RX COMPANY NAME. Get the most from these benefits by opting for generic medications whenever possible and choosing in‑network pharmacies. The plan also includes mail order benefits offering a X‑day supply of medication.

Vision The Vision Service Plan offers employees a routine vision exam. For a premium, the plan also offers coverage for frames and lenses subject to certain limitations.

Dental You are enrolled in the <<DenPlan>> coverage. The dental plan covers preventive, minor restorative, major services, and orthodontic care. Certain limitations apply.

Flexible Spending AccountsThis plan allows you to make pre‑tax contributions for your unreimbursed healthcare expenses up to $X per year and/or employment‑related dependent care expenses up to $X per year. This past year, SAMPLE COMPANY contributed <<FSACO>> to your Medical FSA. You elected to contribute <<FSAEE>> to the Medical FSA and <<FSADEE>> to the Dependent Care FSA.

Contact Information Employees are able to access claims status, benefits summaries, hospital pre‑admission certification, and other general information about the medical program by contacting CARRIER (PPO) at XXX‑XXX‑XXXX or (HMO) at XXX‑XXX‑XXXX. For vision, please contact Vision Service Plan at XXX‑XXX‑XXXX, for dental please contact CARRIER at XXX‑XXX‑XXXX, and for the assistance program please contact Employee Assistance Program (EAP) at XXX‑XXX‑XXXX.

Life and DisabilityLife Insurance/Accidental Death and Dismemberment You <<LifeAD&D>> elected to have Supplemental coverage. Employee group life and accidental death and dismemberment insurance benefit amounts represent 2 times your annual earnings to a maximum of $X. If you have elected dependent life coverage, your eligible dependents are covered as shown:

Employee Life Insurance <<EESL>>

Employee Accidental Death and Dismemberment Insurance

<<SupAD&D>>

Dependent Life Insurance Spouse <<SPSL>>

Child(ren)—live birth to age 19 (or 25 if full-time student)

<<CHSL>>

Voluntary Life InsuranceIf you have elected Voluntary Life coverage, you are eligible up to X times your annual earnings in multiples of $X, up to a $Xmaximum. You have elected the following amounts:

Employee <<SupLifeEE>>

Spouse <<SupLifeES>>

Child(ren) <<SupLifeCH>>

Short‑Term DisabilityOnce you become eligible for benefits, if you are unable to work due to an injury or illness, you are eligible to receive:

Benefit Amount X% of base earnings (less taxes and other applicable deductions)

Benefit Duration X days

Voluntary Long‑Term Disability If you have elected Voluntary Long‑Term Disability you are unable to work due to an injury or illness, after a 90‑day waiting period you are eligible to receive:

Benefit Amount X% of base earnings(less taxes and other applicable deductions)

Benefit Duration X years own occupation, any occupation thereafter

Maximum Benefit $X per month

Voluntary Long‑Term CareYou are eligible to elect coverage in increments of $X to $Xper month payable for X months, X months, or unlimited. This coverage protects you in the event you are confined to a long‑term care facility, require the services of an assisted living facility or require professional home care services. For an additional premium, you may add coverage for family members.

20XX Total Compensation Statement

PERSONAL AND CONFIDENTIAL

STATEMENT BASED ON THE FOLLOWING:Information as ofEnd-DateEmployee Identification Number

<<EEID>>Date of Hire

<<EEDOH>>

Dear <<FNAME>>,This detailed statement of your benefits was prepared just for you. It is designed to show you the value of your benefits package, which is a significant part of your total compensation.

We hope you will find this statement informative and helpful. If there is anything here you question or do not understand, please contact Human Resources.

Sincerely,

Name

Title

This statement is designed to provide a brief overview of benefits. This statement

does not constitute a Summary Plan Description nor a modification of the Plan

terms and conditions; the Plan Document provisions shall control and govern in the

event of any discrepancy.


<<Cat1_PCT>> Category 1 <<Cat4_PCT>> Category 4<<Cat2_PCT>> Category 2 <<Cat5_PCT>> Category 5<<Cat3_PCT>> Category 3 <<Cat6_PCT>> Category 6

Retirement401(k) PlanA pretax 401(k) plan is offered through VENDOR, allowing you to save money for your retirement. Your allowable contribution is 1 percent to X percent of base pay. SAMPLE COMPANY will match X percent of X percent of your eligible compensation contributed to the plan. SAMPLE COMPANY’Smatch contribution and your contribution are immediately

vested and always belong to you. If eligible, you may enroll in the plan on the first of the month after X days employment. VENDOR will mail quarterly statements directly to your home reflecting your investment information. You may also access the information 7 days a week/24 hours a day by contacting VENDOR automated answer line at XXX‑XXX‑XXXX or online (www.xxxx.com). You must have your “PIN” number available to access your personal information.

401(K) Vesting

Years of Service Amount Vested

Annual PayFor the purpose of this benefits statement, the company defines annual pay as the gross compensation paid to you as of DATE. 401(k) information represented is as of DATE. Benefit costs are based on 20XX costs. Pay and the company’s cost for your benefits have been annualized for employees with less than one year of service as of DATE.

Beneficiary DesignationsYour applicable beneficiary designation(s) are not reflected in this statement; however, it is important that you periodically review such information. If your family status changes, you may wish to change your beneficiary designation(s). If so, the necessary forms may be obtained from Human Resources.

Other BenefitsEmployee Assistance ProgramEmployees and family members can receive confidential,

professional assistance to help resolve personal or family problems. Once a phone call is made to VENDOR, the EAP provider, a master’s degree‑level counselor, will provide unlimited telephone assistance. The counselor may refer for a one face‑to‑face visit with a professional in your area. This service is provided at no charge to the employee or family member.

Tuition AssistanceIt is the SAMPLE COMPANY’S policy to provide financial assistance to employees interested in furthering their formal education, which includes their college education, adult education, applied technology, etc. The company will reimburse the costs of tuition, direct fees, and books limited by the maximum capped allowance upon successfully completing the course.

VacationYou are entitled to an annual vacation allowance. You have <<VACHRS>> hours accrued.

Additional BenefitsIn addition to the benefits described in this statement as well as those that are legally mandated, the following benefits are offered:

• Time off for death in the family, jury duty, military obligations, and family/medical leave• XX recognized holidays

• Direct deposit

20XX TOTAL COMPENSATION STATEMENT

*$3,500 STATEMENT OF WORK (DOES NOT INCLUDE

PRINTING OR POSTAGE)

MASTER DESIGNFOUR

OPTIONS


<<FNAME>> <<LNAME>><<ADDRESS1>> <<ADDRESS2>><<CITY>>, <<STATE>> <<ZIP>>

Employee Assistance Program (EAP)Confidential EAP PROVIDER services are available 24 hours a day, 365 days per year. You and your family are eligible for five personal visits with a registered counselor in addition to telephonic and online support. To access the EAP, call xxx-xxx-xxxx or visit www.samplecompany.com.

Tuition Reimbursement PlanRegular full-time and part-time employees who have completed six (6) months of service are eligible to apply for tuition reimbursement. SAMPLE COMPANY will reimburse up to a maximum of $X,XXX per calendar year for full-time employees and $X,XXX per calendar year for part-time employees.

Workers’ CompensationSAMPLE COMPANY strives to provide a safe working environment for our employees. However, accidents do occasionally occur on the job. Workers’ Compensation insurance is provided by the Company to ensure that should you be injured on the job, you receive the medical attention you need and the assistance required to help you recover as quickly as possible.






Dear <<FNAME>>,At SAMPLE COMPANY, we value your well-being. It’s just one reason we strive to provide valuable and significant benefits to your family. With that in mind, we would like to present you with your customized, confidential benefits statement for 20XX. This statement is meant to give you an overview of your current benefits, their value, and their impact on your compensation as a whole.


Regards, NAME

Category 1

Category 2

Category 3

Category 4

<<Cat1_PCT>>

<<Cat2_PCT>>

<<Cat3_PCT>>

<<Cat4_PCT>>

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COVER 2

TOTAL COMPENSATION STATEMENTS*

BEYOND PRINT

JELLYVISION

BRAINSHARK

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