1. Taking Care of the Employees
Who Take Care of Your Community

2. 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)

3. 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!

4. 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

5. Principal
401k Plan
457b Plan

6. Develop, Measure & Revise Plan Goals
Successful Retirement Plans
Don’t Happen by Accident
Establish
Goals 1. What are your goals for your plan?
2. What is the most effective way to
Measure/Report Develop accomplish them?
A Plan
Results
3. Who can help me put together a plan
that fits my goals and means?
Implement
Strategy 4. Is my retirement program being
appreciated by those for whom it was
designed?

7. Qualified Retirement Plans
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

8. Non Qualified Retirement Plans
Additional Benefit
457b Retirement Program
• Why offer an additional program?
• To whom should you offer it?
• Considerations in plan design.

9. Planning - Retirement Readiness
The challenge:
Helping your employees prepare to successfully retire and
manage income through retirement.
Plan
sponsors, on Only 4% of plan
An 85% income Individuals need
average, feel sponsors
replacement to save
employees measure if their
ratio is approximately
should be saving employees are
commonly used 15% of their pay
about3 12% of on track to have
within the to have enough
pay to have adequate
retirement income during
adequate retirement
industry.1 retirement.2
income during income.4
retirment.4
12008 Replacement Ratio Study by Aon Consulting
2Research 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.

10. Life & Disability
Term Life and AD&D
Long Term Disability
Short Term Disability

11. Financial Safety Net
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.

12. Plan Design Considerations
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?

13. 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

14. 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.

15. Vision & Dental
Vision Dental

16. 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.

17. 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.

18. Choosing a DHMO or DPPO
DHMO - It’s affordable and easy to use! DPPO - It gives you the most freedom!
• NO charges for most preventive • Freedom to visit any licensed dentist
services such as exams, x-rays and • Save when you visit a network dentists
routine cleanings*
• No referral needed to visit a licensed
• NO claim forms to file dental specialist
• NO deductibles to pay before you can • Most network dentists will file claim
use your plan forms for you
• NO annual dollar maximums to limit • Save on non-covered services** when
benefits you visit a network dentist - even when
• NO ID cards required to receive care maximums, frequency and missing tooth
• NO age limit on sealants to help limitations have been exceeded
prevent cavities
*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.

19. Individual Programs
Long-Term Care Plan
Individual Health Insurance
Auto & Home Insurance
Discount Health &Wellness Cards

20. 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

21. Helping Achieve Desired Outcomes
With ACCE and The ACCE Benefit Trust
Promise We understand how to motivate
and inspire actions that can
help achieve more measurable
of Value: results for favorable benefit
plan outcomes.

22. Questions? We’re Ready to Chat.
The ACCE Benefits Team
800-394-2223 Option 1
ACCE.org/HR-solutions