Account Name2015 Employee Benefits Booklet

Voluntary Options Program For more information, contact: (508) 865-7200 ex. 11

enroll@newenglandcolonial.com

Who we areFor 75 years, Colonial Life has helped America’s workers preserve and protect the vitally important things they’ve worked so hard to build, even during unexpected events and challenging times.

You can rely on us. As a trusted industry leader, we:

� Have a long history of consistently strong industry ratings and profitable growth. � Provide a higher standard of benefits communication and education, enrollment capabilities

and customer service. � Operate in 49 states, the District of Columbia and Puerto Rico. In New York, similar products and

services, if approved, are underwritten by The Paul Revere Life Insurance Company. � Help more than 80,000 businesses and organizations, and more than 3 million policyholders.1

How voluntary benefits can help youWe offer a comprehensive portfolio of voluntary benefits, or supplemental insurance products, designed to help provide additional financial protection when you need it most. These products can enhance your current benefits package in a variety of ways.

Some of our voluntary benefits can help you pay for what your medical insurance may not cover, such as deductibles and co-payments, while others can help protect your income and maintain your family’s way of life.

Our voluntary benefits are backed with professional, personal service from a team that’s passionate about helping you during your time of need.

Advantages of voluntary benefitsWith most plans:

� Coverage options are available for you and your eligible dependents.

� Benefits are paid directly to you, unless you specify otherwise.

� You’re paid regardless of any other insurance you may have with other companies.

� You can take coverage with you, even if you change jobs or retire.

Talk with your benefits counselor to learn more, or visit ColonialLife.com.

1 Colonial Life & Accident Insurance Company corporate records as of year-end 2013.

New Benefits for CRJ Employees for 2015!enroll@newenglandcolonial.com

This is a limited one-time offer

The following employee benefits are part of a special program of benefits beingoffered for a limited time only with no medical underwriting:

Short Term Disability

Critical Illness & Cancer Insurance

Accident Insurance

Or simply send an email to

enroll@newenglandcolonial.comWe will reply and schedule a convenient time to call you and review your options.

Learn more about these important benefits at an Open Enrollment meeting.Attend one of the Open Enrollment sessionsto learn more about the new benefits special for CRJ employees. All benefits areavailable, and these select benefits are on a special limited-time offer.

Accidents can happen anytime, anywhere.Accidents are usually followed by a series of bills. Even if you have good insurance, you may still have to cover out-of-pocket costs, such as:

� Doctor bills

� Ambulance fees

� Hospital expenses

Accident insurance from Colonial Life & Accident Insurance Company can help protect you, your spouse and your dependent children from the unexpected expenses of an accident.

Features of Colonial Life’s Accident Insurance: � You are paid benefits to help you with the care and treatment of a covered accidental injury.

� Your benefits are paid directly to you (unless you specify otherwise).

� You are paid benefits regardless of any other insurance you may have with other insurance companies.

� You can take your coverage with you if you change jobs or retire.

Talk with your Colonial Life benefits counselor to learn more about accident insurance and how it can help protect what you’ve worked so hard to build.

Accident Insurance

Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor.

Are you prepared for the cost of an illness? If you were to suffer a heart attack, stroke or other critical illness, would you have the money to cover:

� Deductibles and coinsurance

� Home health care needs

� Travel and lodging

� Lost income

� Rehabilitation

� Child care

Even those who plan for the unexpected with life, disability and health insurance may discover that some critical illness expenses can still remain unpaid. Without adequate protection, you could have to pull from savings or rely on other financial sources in your time of need.

Critical illness insurance from Colonial Life & Accident Insurance Company helps preserve your lifestyle in the event of a specified critical illness. It provides benefits that you can use however you like.

Features of Colonial Life’s Critical Illness Insurance: � Pays a benefit if you are diagnosed with a covered specified critical illness.

� Coverage is available for you and your covered dependents.

Talk with your Colonial Life benefits counselor to learn more about critical illness insurance and how it can help provide valuable financial protection.

Critical Illness Insurance

Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor.

If you got sick or hurt and couldn’t work, how long could you go without a paycheck?In today’s economy, it’d be difficult losing just one paycheck. But a disability could have you out of work for days, weeks, months or even a year.

Disability insurance from Colonial Life & Accident Insurance Company can help protect your income, so you can maintain your way of life.

Features of Colonial Life’s Disability Insurance income protection coverage: � You’re paid regardless of any other insurance you may have with other insurance companies.

� Benefits are paid directly to you, unless you specify otherwise.

� You may choose the amount of your disability benefits to meet your needs, subject to income.

� You can take your coverage with you if you change jobs or leave your employer.

Talk with your Colonial Life benefits counselor to learn more about disability insurance and how it can help protect your paycheck.

Disability Insurance

Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor.

Financial protection that fits your needs

Everyone’s benefit needs are different. That’s why it’s important to choose the benefits that are right for your personal situation. Complete this page and bring it to your personal, 1-to-1 benefits counseling session. At the session, you’ll learn how these products fit into your overall benefits package and how they can help protect what you’ve worked so hard to build.

Disability insurance — Helps replace a portion of your income to help make ends meet if you become disabled from a covered accident or covered sickness.

Accident insurance — Helps offset unexpected medical expenses, such as emergency room fees, deductibles and co-payments that can result from a fracture, dislocation or other covered accidental injury.

Life insurance — Enables you to tailor coverage for your individual needs and helps provide financial security for your family members.

Cancer insurance — Helps offset the out-of-pocket medical and indirect, non-medical expenses related to cancer that most medical plans don’t cover. This coverage also provides a benefit for specified cancer-screening tests.

Critical illness insurance — Supplements your major medical coverage by providing a lump-sum benefit you can use to pay the direct and indirect costs related to a covered critical illness, which can often be expensive and lengthy.

Hospital confinement indemnity insurance — Provides a lump-sum benefit for a covered hospital confinement or a covered outpatient surgery to help with co-payments and deductibles that are not covered by most major medical plans.

Dental insurance — Provides the same benefit amounts with any dentist you choose and covers a variety of dental procedures, from routine cleanings to more advanced procedures such as crowns and root canals. Additional savings are available by visiting a network dentist.

Fill in the following information and bring with you to your Colonial Life benefits counseling session.

Name _______________________________________________________

Date ________________________________________________________

Department/Location __________________________________________

Phone ______________________________________________________

Email _______________________________________________________

These coverages may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits counselor.ColonialLife.com

With Colonial Life products:

� Coverage is available for your spouse and eligible dependent children (with most plans).

� Benefits are paid directly to you, unless you specify otherwise.

� You can continue coverage when you retire or change jobs, with no increase in premiums (with most plans).

� You may receive benefits regardless of any insurance you may have with other companies (with most plans).

©2015 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 3-15 | 42868-33

How to file a wellness claim � The quickest way to receive the applicable benefits for

your health screening services is to file a wellness claim via our secure My Colonial Life for Policyholders section of ColonialLife.com. By filing through the website, you can receive your benefit in a matter of days.

� For wellness screenings within 12 months of the date you are filing the claim, go to ColonialLife.com, log in to the My Colonial Life policyholder section, and click on File a Wellness Claim Online. Or you may use the automated customer service center at 1-800-325-4368.

� For wellness screenings over 12 months from the date you are filing the claim, you’ll be directed to print out a paper claim form and complete it manually. Fill it out, and submit the claim as the form instructs. Be sure to review and sign all pages where indicated.

How to file disability claims � Where indicated on the form, be sure to:

– Have the doctor verify the dates of disability and furnish dates of treatment.

– Have the employer confirm the dates missed from work.

� Read and sign the claims authorization page. We cannot obtain additional information from your doctor without proper consent.

� Submit your claim:

– Fax the completed form to 1-800-880-9325. Include your name and Social Security number on each page of your fax as indicated. If you fax the claim, you do not need to mail the original document to us; keep it for your records.

OR

– Mail the completed forms to Colonial Life (see the Contact us section of this document).

Service guide for policyholders

The quickest, easiest way to manage your business with us is through the My Colonial Life policyholder section of ColonialLife.com. Join now for convenient access to your policy and claims information.

If you’re not already signed up:

� Visit ColonialLife.com, and click Login on the home page.

� Click Request access to our policyholder or plan administrator website, and you’ll be directed to a sign-up page.

n File a wellness claim.

n Check on the status of your claim.

n Check your policy information.

n Download claim and service forms.

n Update your contact information.

As a My Colonial Life member, you can:

9

How to file other claims � On the Claims page of the My Colonial Life site, click on File All

Other Types of Claims, and choose the form you need for your specific claim.

� Complete the form that applies to your specific claim. Be sure the information includes a diagnosis from your doctor, along with copies of any appropriate medical bills, if required. Make sure you sign and date the certification and the authorization portion of the claim form.

Optional servicesThe first page of Colonial Life’s claim forms explains optional services that you can request by initialing the blanks provided.

The options include authorizing Colonial Life to:

� Release information to your benefits representative, plan administrator or family member.

� Communicate claims information via electronic messaging to your home phone number.

Processing your claim � When we receive information regarding your claim, you will be

notified by telephone or email.

� If you select the electronic messaging option, you will receive a call when the claim is processed.

� We will notify you by letter if we need any additional information from your doctor or any other source(s). We welcome your assistance in encouraging your doctor to provide the needed information as quickly as possible.

� If your claim is for a sickness or health condition, we may need to contact your doctor or request copies of medical records to confirm information, which may lengthen the claim processing time.

� Our goal is to provide prompt and accurate claims service. Remember, you can always check the status of your claim via the My Colonial Life site.

Ongoing claimsTotal disability benefits provided by your coverage are based on disability information submitted on your claim form.

Because Colonial Life cannot pay benefits for time you have not yet missed from work, you may be asked to provide verification of your ongoing disability and the dates you are unable to work. Your doctor and employer must confirm all disability dates. Please include medical treatment dates on your claim form. ©2014 Colonial Life & Accident Insurance Company

Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.

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Contact usOnline

Log in to the My Colonial Life website to contact us by email.

Contact Center representatives are available Monday through Friday, 8 a.m. – 8 p.m. EST.

Automated service information is available every day throughout the year.

Please have your Social Security or policy number ready when you call.

Hearing-impaired customers Customers with a Telecommunications

Device for the Deaf (TDD) should call 803-798-4040.

Mailing addressColonial Life Contact Center

P.O. Box 100195, Columbia, SC 29202-3195

ColonialLife.com

Important remindersn Be sure to view the claims videos on the

Claims page of the My Colonial Life site, for quick tips on how to complete your claim form quickly, easily and correctly.

n Be sure to complete all sections of the claim form. Incomplete information may cause a delay in the resolution of your claim.

n When you mail the claim form or other information, please keep a copy of your information for your records.

n If you want us to send any applicable claim benefits by overnight delivery and deduct the fee from your claim payment, initial the overnight line in the “Optional Service” section of the claim form.

enroll@newenglandcolonial.com

ColonialLife.com 7-14 | NS-13469©2014 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.

For more information, contact: (508) 865-7200 ex 11 orenroll@newenglandcolonial.com