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21 <br />Attachment 6 Page <br />SUPPLEMENTAL BENEFITS OVERVIEW <br />County employees have been able to purchase supplemental insurance to protect their income <br />through Colonial Life. No contract exists with Colonial Life. In 2010, the County increased <br />employee access to Colonial representatives, and employees increased participation by <br />enrolling in 31 additional policies for all types of voluntary benefits. This increased participation <br />was much lower than anticipated, with fewer than 12% of employees enrolling in short term <br />disability policies. <br />By working with another vendor, Staff will be better able to communicate the value of these <br />benefits. After consultation with Mark III, Staff has determined the best products and developed <br />a communication plan to inform County employees regarding the value of supplemental <br />benefits. Employees are "guaranteed issue" for each benefit; each employee who enrolls <br />during Open Enrollment is guaranteed coverage, regardless of pre-existing conditions. Carriers <br />selected represent the best value and best service, and were recommended based on <br />comparison of approximately twenty vendors. Any change(s) in carriers will allow employees to <br />enroll in identical or better coverage at the same or lower cost effective January 2011. <br />Number of Supplemental Benefits Policies <br />Colonial Product 2009 2010 <br />Short Term Disabili 62 91 <br />Cancer Insurance 16 20 <br />Life Insurance Universal Life 4 2 <br />Life Insurance Term Life 16 9 <br />Accident Insurance 9 16 <br />Critical Illness Insurance 1 1 <br />Hos italization 2 2 <br />Total Policies 110 141 <br />New Product New Carrier <br />Short Term Disabili AUL American United Life <br />Accident Insurance Continental American <br />Critical Illness Insurance <br />includes Cancer Continental American <br />Permanent Life To Be Determined <br />Term Life MetLife current rovider <br />