Blue Springs School District Tri-Star Systems FSA / Colonial Life Annual Enrollment: April 7 - May 30, 2012

1. Blue Springs School District Tri-Star Systems FSA / Colonial Life Annual Enrollment: April 7 - May 30, 2012

2. Tri-Star Systems Flexible Spending Accounts www.coloniallife.com www.coloniallife.com

3. Flexible Spending Accounts • There are three types of Flexible Spending Accounts: • Health Care Reimbursement Account • Dependent Care Reimbursement Account • Limited Use Health Care Reimbursement Account – can only be used if you are enrolled in the Aetna Consumer Driven Plan (QHDHP) • All employees must enroll / re-enroll in their Flexible spending accounts. • Meet with your Colonial Life Benefits Counselor to complete your enrollment. www.coloniallife.com www.coloniallife.com

4. Health Care Reimbursement Account – (HCRA) • How the FSA Can Help You: • Setting aside a portion of your pay with an FSA reduces • both your annual taxable income and the amount you pay for • out-of-pocket health expenses. • The full amount you set aside for your calendar FSA contribution is • available on your first day of coverage for expenses. • Your FSA helps you pay for deductibles, copays, coinsurance, dental, vision • and many other expenses. • You can use your FSA for your or your dependent's health care expenses, • even if they are not enrolled in your medical or dental plan. www.coloniallife.com www.coloniallife.com

5. Health Care Reimbursement Account – (HCRA) • How It Works: • You may deposit from $600 to $2,500 annually on a pre-tax • basis in your Health Care Reimbursement Account. • When you or your dependents incur an eligible expense, simply • e-file your claim on line via Tri-Star secure website: www.tri- • starsystems.com. You must include proof of the expense with your • claim form. • For a list of eligible expenses, review the IRS Publication 502, Medical • and Dental Expenses at www.tri-starsytems .com • Tri-Star can send you a check or direct deposit your payment into • your checking or savings account. To direct deposit, you must • complete a direct deposit form. www.coloniallife.com www.coloniallife.com

6. Dependent Care Reimbursement Account – (DCRA) • How Can the DCRA Help You: • The Dependent Care Spending Account (DCRA) is a • benefit to help pay for dependent care expenses on a before tax basis . • Eligible expenses include expenses you incur for your dependents so • you can work, such as; child care, elder care or disabled dependent care. • Dependents are defined as children under age 13 or anyone age 13 or over • who is mentally or physically handicapped and relies on you for financial • support. www.coloniallife.com www.coloniallife.com

7. Health Care Reimbursement Account – (DCRA) • How It Works: • You may deposit from $600 to $5,000 annually on a pre-tax • basis in your Dependent Care Reimbursement Account. • When you incur an eligible expense, simply e-file your claim on line • via Tri-Star secure website: www.tri- starsystems.com. You must • include proof of the expense with your claim form. • For a list of eligible expenses, review the IRS Publication at • www.tri-starsytems .com • Tri-Star can send you a check or direct deposit your payment into • your checking or savings account. To direct deposit, you must • complete a direct deposit form. www.coloniallife.com www.coloniallife.com

8. Flexible Spending Grace Period Important Information: Expenses claimed from your Flexible Spending Accounts must be incurred during the Plan Year: (7/1/2012 – 6/30/2013). You have 3 months after the end of the plan year (9/30/2013) to file your claims with Tri-Star. Any money not claimed for the Plan Year must be forfeited – sometimes called the “Use It or Lose It” Provision. www.coloniallife.com www.coloniallife.com

9. Colonial Life Voluntary Insurance Products www.coloniallife.com www.coloniallife.com

10. What Are Voluntary Insurance Products? • Voluntary insurance plans are NOT designed to replace insurance you already have. • Voluntary insurance enhances your existing benefits package. • Benefits can be used to help pay expenses that other insurance plans don’t cover. www.coloniallife.com www.coloniallife.com

11. Colonial Life The Advantage of Colonial Life plans: • Most plans pay in addition to other benefits you may have with other insurance companies. • Benefits are paid directly to you, unless you specify otherwise. • With most plans, you can keep your coverage even if you change jobs or retire. • Most plans are guaranteed renewable. www.coloniallife.com www.coloniallife.com

12. Colonial Life • Accident Insurance • Cancer Insurance • Critical Illness Insurance • Disability Insurance for school personnel • NEW! Hospital Confinement Indemnity Insurance www.coloniallife.com www.coloniallife.com

13. Colonial Life Accident Insurance • Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident. • Provides benefits for initial care and treatment, in addition to some follow-up care that you may need. Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. www.coloniallife.com www.coloniallife.com

14. Colonial Life Cancer Insurance • Helps protect you against the indirect costs and other expenses associated with cancer diagnosis and treatment. • Benefits payable for: • Specified cancer screening tests. • Diagnosis of skin cancer. • Hospital confinement and surgical benefits. • Radiation/chemotherapy. • Transportation and lodging. Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. www.coloniallife.com www.coloniallife.com

15. Colonial Life Critical Illness Insurance • Helps protect your financial security if you experience a specified critical illness. • Pays a lump-sum benefit upon diagnosis. • The benefit is paid to you unless you specify otherwise—use the money where it’s needed most! Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. www.coloniallife.com www.coloniallife.com

16. Colonial Life Disability Insurance for school personnel • Helps protect your income and lifestyle if you are unable to work due to a covered accident or covered sickness. • Use benefits to help pay for: • Mortgage or rent payments. • Utility bills and other household expenses • Guaranteed issue* amounts are available to new hires that apply for this coverage within the first 365 days following their date of hire! *Guaranteed issue means that employees cannot be turned down for coverage based on his/her health status. Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. www.coloniallife.com www.coloniallife.com

17. Colonial Life Hospital Confinement Indemnity Insurance • Designed to supplement your existing major medical coverage. • Lump-sum benefit helps you to pay medical and non-medical expenses associated with a hospital stay, such as: • Deductibles or co-payments. • Transportation to and from the hospital. • Emergency Room visits. • During the 2012 annual enrollment, Guaranteed issue* amounts are available during this enrollment only! *This means if participation requirements are met, employees cannot be turned down for coverage based on his/her health status. Product Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. www.coloniallife.com www.coloniallife.com

18. What Happens Next? • Take advantage of your options. • Don’t be afraid to ask questions. • We will meet with you individually to help you tailor your benefits plan to your needs. www.coloniallife.com www.coloniallife.com