Taking Care of the Employees Who Take Care of Your Community

Did You Know…

Typical US worker needs to save 15% a year towards retirement to ensure retirement readiness.

Vision care providers detect certain chronic conditions before healthcare provider - 65% of the time for high cholesterol, 20% for diabetes and 30% for hypertension. 

Dental problems cause loss of 164 million work hours each year.

Employees rank compensation and benefits as the top two factors required for job satisfaction.1

1 According to the Society of Human Resource Management (SHRM)

Benefit Program – Building the Best Fit

Budget• Will the organization cover all the costs?

• Do you offer payroll deduction for employee elected benefits?

Needs of the staff• Age and other variables

Needs of the organization• Recruit, Reward, Retain?

• Other?

Understand how the pieces fit together!

The ACCE Advantage

ACCE Benefit Trust• Group of your peers• Highest quality plans available at the most affordable

prices

ACCE Benefits Team• Over 40 years of combined experience• Complimentary, unbiased consultations

Retirement and Insurance Solutions• Comprehensive, Flexible, and Portable

Principal

401k Plan457b Plan

Successful Retirement Plans Don’t Happen by Accident

1. What are your goals for your plan?

2. What is the most effective way to accomplish them?

3. Who can help me put together a plan that fits my goals and means?

4. Is my retirement program being appreciated by those for whom it was designed?

Develop, Measure & Revise Plan Goals

EstablishGoals

Measure/ReportResults

ImplementStrategy

DevelopA Plan

Primary Benefit

401k Retirement Program

• Demographics of your employee population• The nature and amount of your employer contributions• Likelihood of your employees to take action• Who will make investment option decisions and monitor

them moving forward• Assignment of administrative duties and fiduciary

oversight• What can be done in terms of employee education to

help create favorable retirement plan outcomes

Qualified Retirement Plans

Additional Benefit

457b Retirement Program

• Why offer an additional program? • To whom should you offer it?• Considerations in plan design.

Non Qualified Retirement Plans

Planning - Retirement Readiness

The challenge:Helping your employees prepare to successfully retire

and manage income through retirement.

An 85% income replacement

ratio is commonly used

within the retirement industry.1

Individuals need to save

approximately 15% of their pay to have enough income during

retirement.2

Plan sponsors, on average, feel

employees should be saving

about3 12% of pay to have adequate

income during retirment.4

Only 4% of plan sponsors

measure if their employees are

on track to have adequate

retirement income.4

12008 Replacement Ratio Study by Aon Consulting2Research with Financial Advisors, June 2011, conducted by Harris Interactive on behalf of the Principal Financial Group. When looking at all responses in the survey, the median is the middle of the responses given. Includes employer contributions (if applicable) and assumes individuals begin saving for retirement early in their careers.3This includes employer contributions.42011Principal Financial Group Retirement Readiness Survey commissioned by the Principal Financial Group, conducted by Harris Interactive only. The data was gathered May 17 through June 17, 2011 from 1,305 employers.

Life & Disability

Term Life and AD&D Long Term DisabilityShort Term Disability

Life & AD&D Insurance• Life insurance provides financial support to your employees’

surviving family to help pay final expenses, meet monthly mortgage payments and cover day-to-day living expenses.

Short term Disability• Provides income replacement when the unexpected happens

with serious illness and injuries or expected maternity leaves.

Long Term Disability• Provides long term income protection for many years.

Financial Safety Net

Choices to consider when structuring a plan• Is there a waiting period before coverage begins?• What are the benefit amounts?• How long will the short term disability benefits last?• Will an accidental death benefit be included?• Should the life plan include family coverage? • Can the employee take the life plan with them?

Plan Design Considerations

The ACCE Advantage

Guaranteed Issue • No health questions for employer-

provided coverage

• Employee cannot be denied coverage

Flexibility• Chose from multiple waiting period

options for eligibility• Determine elimination periods for

disability • Various benefit amounts to meet

budget needs

Other Benefits

Short Term Disability• Rehabilitation and return to work assistance

benefit

Long Term Disability• Includes work incentive benefit for the first 12

months

Life & AD&D

• Accelerated benefit if terminally ill.

• Work-life balance employee assistance program available; free info on financial planning, stress management, legal consultations and much more.

Vision & Dental

VisionDental

Vision

More than the Basics• Thorough eye exam every 12 months

• Prescription glasses – Lenses every 12 months

– Frame every 24 months

• Extra discounts and savings

• Focuses on your eyes and overall wellness

Other Benefits• Offering a vision plan provides a valuable health benefit and can

help reduce long term health costs associated with eye disease.

Dental

Flexible & Affordable• Regular checkups and cleanings

prevent costly corrections and surgery.

• Two plan options for employee needs.Other Benefits

• Good dental health can protect the body against other illness and disease resulting in long term health savings and reduced absenteeism.

DHMO - It’s affordable and easy to use!

• NO charges for most preventive services such as exams, x-rays and routine cleanings*

• NO claim forms to file• NO deductibles to pay before you

can use your plan• NO annual dollar maximums to

limit benefits• NO ID cards required to receive

care• NO age limit on sealants to help

prevent cavities

Choosing a DHMO or DPPO

*Frequency limits apply. If you require more complex procedures, such as correction of periodontal problems or a more in-depth cleaning, there may be a fee listed on your Patient Charge Schedule (PCS). ** To receive a discount on a “non-covered service,” talk to your dentist before you receive treatment to make sure that the procedure you want is listed on the dentist’s fee schedule.

DPPO - It gives you the most freedom!

• Freedom to visit any licensed dentist

• Save when you visit a network dentists

• No referral needed to visit a licensed dental specialist

• Most network dentists will file claim forms for you

• Save on non-covered services** when you visit a network dentist - even when maximums, frequency and missing tooth limitations have been exceeded

Individual Programs

Long-Term Care Plan Individual Health Insurance

Auto & Home InsuranceDiscount Health &Wellness Cards

Long-Term Care Insurance

The ACCE Advantage• Guaranteed issue – if employees

enroll within first 31 days of eligibility, except for monthly benefit amounts of $7,000 and $8,000

• ACCE is the Group – employee elected at group rates

Who’s at Risk?• 40% of people receiving LTC are working-

age adults 18 to 64 years old• By 2020, 12 million people are projected

to need long term care

With ACCE and The ACCE Benefit Trust

Helping Achieve Desired Outcomes

We understand how to

motivate and inspire

actions that can help

achieve more measurable

results for favorable

benefit plan outcomes.

Promise

of Value:

Questions? We’re Ready to Chat.

The ACCE Benefits Team800-394-2223 Option 1ACCE.org/HR-solutions