How can your insurance broker support your HR needs?

Chuck KiskadenStoneTapert

626-233-9180ckiskaden@stonetapert.com

Vistage

Your HR Department’s Partner in Benefits Management

• Begins with an effective and comprehensive employee communication strategy.

• Well conceived plan utilizing all carrier resources through implementation and enrollment.

• StoneTapert is financially committed to you by investing in you. We will provide you with the tools to simplify the administration of your employee benefits program.

• We are an extension of your Human Resource team!

HR Department – Why is StoneTapert the very best option for your HR Department?

• We make your HR Department more efficient and substantially increase your HR capability

• MyWave – Fortune 500 HR resources at your fingertips

• Our HR certified Account Management team becomes an extension of your HR Department

– Open enrollment – Health Fairs – Wellness Programs

– Working employee issues & administrative issues

– HR Consulting – HIPAA, COBRA, LOA, Terminations, Hiring

– Employee Communication Tools

• Booklets

• CD’s

Your

HR Dept+

StoneTapert HR Team

Gail – SPHR 30yrs HR

experience

Jane – 8 yrs Carrier

experience

Joy – HR Degree 11 yrs HR experience

Debbie – 24 yrs HR experience

Michelle – PHR 8 yrs

experience

MyWave HR System

HR reference library Compliance, recruiting, benchmark surveys and statistics

State & Federal legislation COBRA, HIPAA, Sections 125, FMLA

Employee Education Wellness programs, payroll stuffers and handouts

Community Center Share resources & information with thousands of industry peers

Collaboration Center Receive, download, & collaborate on documents with StoneTapert

Prospective Group will now have the HR capabilities of most Fortune

500 Companies

•

Fully supported by the

StoneTapert HR Team

+ =

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Detailed Information

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Detailed Information

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Detailed Information

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Its All About You!

• What is your biggest challenge?• What are the qualities you look for in a relationship like ours?• What would you most like to change about your current situation?• What keeps you up at night?• What are you looking to accomplish?• What matters most to you about your employee benefits programs?

• What are your goals? Short term and long term?

We Want And Need Your Input!

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We have the following for you and at no additional cost to you

Communication Tools

• Benefit Election Forms

• Interactive Toolbox

• Payroll Stuffer & Wellness Campaign

• Custom employee benefit booklet

• Total compensation statements

• Employee Benefits Survey

• StoneTapert Advisor Newsletter

• Workplace financial planning

Knowledge Tools

• Over half a century of experience in financial services and employee benefits

• Continuing needs analysis

• Continuous innovation and education

• Certified Human Resource account management team

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We have the following for you and at no additional cost to you

Service Tools

• Concierge Call Center

• Project management resources

• Personal Health Advocate

• Professionally trained account management team

• Free COBRA administration services

• Free Form 5500 Filings

Technology Tools

• Online Human Resource support system

• Electronic HRIS enrollment system

• Contribution modeling program

• Online resource center for employees

Your Human Resource…… Resource’s

• Dedicated Human Resource Consultant/Account Manager

– SPHR Certified

– Active Member of PIHRA

– 20 Year HR professional at Procter & Gamble

• Quarterly Forums

– Specific Forums that focus on Insurance Industry trends, Human Resource’s and Retirement plans.

• MyWave Portal

– Online Tool – Document Center, Communication Campaigns, Access to 100,000+ HR Professionals.

• Timely Legislative Updates

– FMLA, COBRA Updates

• StoneTapert Advisor Quarterly Newsletter

• StoneTapert will cover your cost of membership to PIHRA or SHRM for you Human Resource Managers

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Your Benefits Booklet

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Your Benefits Booklet

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Your Benefits Booklet

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Your Benefits Booklet

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Your Benefits Statement

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January 1, 2009 Dear Joe Smith: This personal benefits statement is a brief outline of the benefits ABC Company provides to you. It summarizes each benefit and illustrates the significance of your benefits package as part of your total compensation. Please review the information carefully and direct any questions to Jane Doe at (414) 444-4444 x232. Personal Information: Employment Information: SSN: 088-88-8888 Date of Hire: January 1, 2002 Name: Joe Smith Annual Base Salary: $37,562.00 Address: 123 Main Street Job Title: Electrician City, State, Zip Whitewater, WI 53190

Benefit Name: Benefit Description: Annual Cost: Employer Cost: Employee Cost: Medical UnitedHealthcare Choice $4,684.42 $783.90 Dental MetLife Dental Plan $360.88 $226.20 Vision

Vision Service Plan Discount Card $0.00 $25.00 Employer-provided Short-term Disability

Company Provided STD benefit equal to 60% of your weekly rate for maximum benefit period of 13 weeks $125.10 $0.00

Employer-provided Long-term Disability

Company provided LTD monthly benefit begins after 90 days of total disability. Benefit equivalent to 70% of basic

monthly earnings while disabled up to age 65. $210.20 $0.00 Employer-provided Basic Life & AD&D One times salary to maximum benefit of $100,000 $174.10 $0.00 Voluntary/Supplement Life

No coverage $0.00 $0.00 Dependent Life No Coverage $0.00 $0.00 Voluntary Long-term Care Base plan covers $1,000 per month facility for 3 years or

$500 per month homecare for 6 years. $0.00 $0.00 Health Care Spending Account 2004 Contribution $0.00 $364.00 Dependent Care Spending Account Paid Yearly $0.00 $5,000.00 Commuter Expense Reimbursement Account Paid Yearly $0.00 $800.00 401(k) Plan Can elect to defer up to 25% of your income pretax.

Company match is 50% of withholdings up to 4%. $1,302.48 $2,604.96 Profit sharing Determined annually by board of directors based on

profitability $650.54 $0.00 Employee Stock Purchase Plan Shares of company stock can be purchased 2 times

annually with a 15% discount (see plan document for more details). $0.00 $650.54

Total Benefits Cost: $7,507.72 $10,454.60 Plus Annual Base Salary: $37,562.00 TOTAL VALUE OF COMPENSATION PACKAGE $40,069.72 Cost of employer-sponsored benefits as a percentage of total compensation 22.3%

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Your Electronic Administration Kit

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Your Electronic Administration Kit

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Your Benefit Election FormBlue Cross Medical Options VSP Vision Options

(Select one, if desired) (Voluntary)

HMO Correct

$6.50/paycheck Employee Only $5.27/paycheck Employee Only

$159.61/paycheck Employee + Spouse $8.18/paycheck Employee + Spouse

$159.61/paycheck Employee + Child(ren) $8.18/paycheck Employee + Child(ren)

$284.87/paycheck Employee + Family $12.98/paycheck Employee + Family

PPO Optional Life Insurance

$166.20/paycheck Employee Only (Voluntary)

$498.78/paycheck Employee + Spouse

$498.78/paycheck Employee + Child(ren) Employee

$770.92/paycheck Employee + Family Spouse

Child(ren)

Premier Access Dental

(Select one, if desired) Calculating your monthly premium

(List and add the dollar amounts for your benefit

PPO Low Plan choices to calculate your monthly premium.)

$0.00/paycheck Employee Only

$17.22/paycheck Employee + Spouse + Medical Cost

$18.55/paycheck Employee + Child(ren)

$35.01/paycheck Employee + Family + Dental Cost

PPO High Plan + Vision Cost

$10.26/paycheck Employee Only

$39.24/paycheck Employee + Spouse + Optional Life Cost

$39.06/paycheck Employee + Child(ren)

$66.83/paycheck Employee + Family = Monthly Premium ( Total per Pay Check)

Declination of benefitsI understand by declining benefits, I will not be eligible to enroll in XYZ Company's benefit plans until the nextopen enrollment period or unless I experience a qualifying event during the year such as: marriage, divorce,birth, death, or gain/loss of employment.

I elect to decline the following benefits (check the appropriate box):MedicalDental Optional LifeVision

Signature:__________________________________ Date: ______________________

Authorization and Acknowledgement

I elect to have my deductions taken on a post-tax basis My elections above DO NOT include a domestic

partner or child(ren) of a domestic partner

Print Name _________________________________ Date ______________________

Signature ______________________________________________

GROUP BENEFIT SELECTION FORM November 2009 - October 2009

I authorize XYZ Company to make the required payroll deductions based on my selections above. I understand and acknowledge that deductions from my paycheck will be on a pre-tax basis unless I elect otherwise by checking the box below. I also understand

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Your Wellness Campaign

Skin Cancer: Are You Safe in the Sun? Many people describe sun-

tanned skin as a “healthy glow”

but nothing could be further

from the truth. There is no such

thing as a safe, healthy tan!

Sun Damage Any type of suntan constitutes sun damage caused by exposure to ultraviolet (UV) radiation from the sun. Other types of sun damage include wrinkles, age spots, freckles, tough or leathery skin, dilated blood vessels, sunburn and skin cancer.

The sun emits two types of UV radiation: UVA (which causes aging) and UVB (which causes burning). Both UVA and UVB rays are undetectable to a person sitting in the sun – one cannot feel them on the skin – and both may be damaging on cool, cloudy days as well as sunny days. In addition, both types of radiation cause skin cancer.

Skin Cancer People are most susceptible to skin cancer when they are exposed to sudden, short bursts of sunlight while in places where the sun is very strong, such as locations near the equator or at very high altitudes.

The following characteristics place people at an even higher risk of developing skin cancer:

Skin has a large number of moles.

Person has red or blonde hair, blue eyes, fair skin, and freckles

Person has difficulty tanning and skin that is easily burnt.

A family history of skin cancer.

Taking medication that increases sun sensitivity.

Preventing Sun Damage The easiest way to prevent skin damage and lessen your chances of getting skin cancer is to avoid getting sunburn. Here are a few tips to help keep you safe in the sun:

Stay out of the sun between 11am and 3pm.

Wear clothes with tightly woven fabric and a hat that shades your face, neck and ears.

Wear sunglasses whenever you are outside to avoid developing cataracts and damaging your retina.

Use sunscreen that has at least 15 SPF (sun protection factor) every day, especially on your lips.

Avoid using tanning beds – they are just as damaging as the sun.

Carefully protect children from sun damage. Two-thirds of skin damage will occur before age fifteen.

Avoiding excessive sun exposure and sunburn is the best way to protect you from sun damage and skin cancer. Routinely inspect your skin for any changes, and if you suspect that a spot on your skin is new, or has changed color or appearance, consult a dermatologist.

Health and wellness tips for your work, home, and life—brought to you by the insurance and healthcare specialists at StoneTapert Employee Benefits.

Did you know...?

Skin cancer attacks more than one million Americans every year and exposure to the sun causes over 90 percent of skin cancers in the United States.

Smoking and Your Health Quit for good this time!

Few people would disagree that

smoking is hazardous to their

health, yet millions continue to

take part in this unhealthy habit.

The Scary Truth According to the American Lung Association (ALA), smoking kills an estimated 430,700 people each year, and the ALA predicts that number will continue to rise. Smoking alone is more lethal than AIDS, automobile accidents, homicides, suicides, drug overdoses and fires combined. You Can Quit Quitting smoking is said to be one of the most difficult things a person can undertake. However, with some thoughtful planning and a strong will, you can quit. There are several smoking-cessation tools and techniques available to help you in your quest to quit smoking, including:

Nicotine replacement therapy

Scheduled reduction

Quitting “cold turkey”

Hypnosis and acupuncture

Prescription drugs

I f you want to quit smoking for good, here are some suggestions to help you succeed:

Make the decision to quit and stick to it!

Choose a start date and method.

Plan for cravings during withdrawal periods and determine your coping method(s).

Commit to long-term use of the methods mentioned above to ensure that you will succeed.

Benefits of Quitting Quitting smoking has many short and long-term health benefits:

After 20 minutes - Blood pressure, pulse rate and body temperature return to normal.

After 8 hours - The body starts to heal itself – the carbon monoxide level in your blood drops to normal and your oxygen level increases to normal.

After 24 hours - Your chance of heart attack decreases.

After 48 hours - Nerve endings begin to regenerate and your sense of taste and smell improve.

After 72 hours - Bronchial tubes relax, lung capacity increases,

and breathing becomes easier.

After 2 weeks to 3 months - Your circulation improves, physical activity becomes easier and lung function increases up to 30 percent.

After 1 to 9 months - Coughing, sinus congestion, fatigue and shortness of breath decrease while your body’s overall energy level increases.

After 5 years - Your chance of dying from lung cancer decreases by almost 50 percent.

For additional information and advice about how to quit smoking, see the Live Well, Work Well Quit Smoking series, Parts 1 through 4.

Health and wellness tips for your work, home, and life—brought to you by the insurance and healthcare specialists at StoneTapert Employee Benefits.

Did you know...? Staying smoke-free is the most difficult part of the quitting process. You may experience cravings for months, even years, after you quit. Commit to long-term methods that will help you through your cravings. Don’t let all your hard work to go waste.

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Your Wellness Campaign

*Source: Forbes.com

Top 10 Fastest Growing Diseases What are you doing to prevent them?

According to the National Coalition on Health Care, health care spending is expected to reach $4.2 trillion by the year 2016. This harsh fact should make it evident that a disease awareness and prevention program is a necessity – both to promote healthy behaviors and to create happy employers.

The following diseases have been found to be the 10 fastest growing in the U.S.* :

Esophageal Disorders

High Cholesterol

Hemorrhoids

Anxiety Disorders

Breast Cancer

Chest Pain

Arthritis

Viral Infections

Lupus (and other connective tissue disorders)

Asthma

What are you doing to promote disease awareness and prevention in your organization in order to keep health care costs down? StoneTapert Employee Benefits has the answer! We offer a complete line of health and wellness flyers and brochures that address these diseases through our Live Well, Work Well series. Below is a listing of just a few of the template offerings we can provide to assist in promoting your disease prevention and awareness programs.

GERD: Gastroesophageal Reflux Disease

Keep Your Cholesterol in Check

Osteoarthritis

Mental Health: Anxiety Disorders

Autoimmune Disease: Lupus

Eat Well, Live Well

Asthma: Managing Your Condition

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Your Communication Campaign

Open Enrollment! The employee benefits open enrollment period for StoneTapert Employee Benefits is: [Enter Open Enrollment Dates]

Employee meetings will be held at the following times:

[Time 1] [Time 2] [Time 3]

Look for further information outlining the important changes and highlights for each of your benefit plans in the [Insert Year] Benefits Open Enrollment Overview.

You will have until [Insert Date] to return your open enrollment forms to [HR Contact]. Please contact [HR Contact] with any questions!

Open Enrollment! The employee benefits open enrollment period for StoneTapert Employee Benefits is: [Enter Open Enrollment Dates]

Employee meetings will be held at the following times:

[Time 1] [Time 2] [Time 3]

Look for further information outlining the important changes and highlights for each of your benefit plans in the [Insert Year] Benefits Open Enrollment Overview.

You will have until [Insert Date] to return your open enrollment forms to [HR Contact]. Please contact [HR Contact] with any questions!

Open Enrollment! The employee benefits open enrollment period for StoneTapert Employee Benefits is: [Enter Open Enrollment Dates]

Employee meetings will be held at the following times:

[Time 1] [Time 2] [Time 3]

Look for further information outlining the important changes and highlights for each of your benefit plans in the [Insert Year] Benefits Open Enrollment Overview.

You will have until [Insert Date] to return your open enrollment forms to [HR Contact]. Please contact [HR Contact] with any questions!

Dependent Coverage Notice Reminder! When your dependent child is no longer your income tax dependent, he or she is no longer eligible to be covered on your medical and dental plans. Your child may no longer be classified as a dependent when one of the following events occurs:

I f your dependent child marries;

I f your dependent child turns [insert age], unless a full-time college student; or

I f your dependent child is graduating from college.

I f he or she requires continued coverage, they can elect to continue coverage for medical and/or dental care. Federal law (COBRA) allows them to continue coverage for up to 36 months, and state law, depending upon the state you live in, may allow some form of continued coverage as well.

Contact HR as soon as one of the events listed above occurs so that they can provide your child with the necessary paperwork to continue coverage.

Dependent Coverage Notice! When your dependent child is no longer your income tax dependent, he or she is no longer eligible to be covered on your medical and dental plans. Your child may no longer be classified as a dependent when one of the following events occurs:

I f your dependent child marries;

I f your dependent child turns [insert age], unless a full-time college student; or

I f your dependent child is graduating from college.

I f he or she requires continued coverage, they can elect to continue coverage for medical and/or dental care. Federal law (COBRA) allows them to continue coverage for up to 36 months, and state law, depending upon the state you live in, may allow some form of continued coverage as well.

Contact HR as soon as one of the events listed above occurs so that they can provide your child with the necessary paperwork to continue coverage.

Dependent Coverage Notice! When your dependent child is no longer your income tax dependent, he or she is no longer eligible to be covered on your medical and dental plans. Your child may no longer be classified as a dependent when one of the following events occurs:

I f your dependent child marries;

I f your dependent child turns [insert age], unless a full-time college student; or

I f your dependent child is graduating from college.

I f he or she requires continued coverage, they can elect to continue coverage for medical and/or dental care. Federal law (COBRA) allows them to continue coverage for up to 36 months, and state law, depending upon the state you live in, may allow some form of continued coverage as well.

Contact HR as soon as one of the events listed above occurs so that they can provide your child with the necessary paperwork to continue coverage.

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Your Employee News Letter

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Calendar

March 15 –

• Mid-contract Strategic Planning Discussion/Quarterly Review

• Updated review needs assessment

June 15 – 31st

• Review Renewal

• Leverage Competitive Info.

• Finalist Presentations

• Carrier selectionContract Anniversary Date

Winter ST newsletter

Spring ST newsletter

Summer ST newsletter

Fall ST newsletter

• Carrier admin meetings

July 15th – August 30th -Open Enrollment Meetings &

employee education

September 1

September 15

September 1stEnd Result is Better Options and Lower Costs

May 1st – 28th

• Obtain census

• Request early renewal

• Request experience

• Submit RFP

MyWave monthly wellness communications

Dedicated Team = Benefit Consultants, Benefit Analyst & Account Manager

December 1

• Post Enrollment Q & A

• Quarterly Review

July 1 – July 15th

• Carrier notification and pre implementation meetings

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Invitation to tour our Office…