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GRAPHIC
DESIGN
PORTFOLIO
Marketing + design
for growing brands
CHRIS WIGGINS
cwiggins1@icloud.com
317.985.2781
CHRIS WIGGINS
317.985.2781 cell
cwiggins1@icloud.com
linkedin.com/in/christinewiggins
online portfolio
3755 E 82ND STREET, STE 100
INDIANAPOLIS, IN 46240
APEX BENEFITS | Stationery
Role: branding, design, art direction, illustration
	
	
	
	
December 18, 2018
Julie Douglas
234 N. 32nd Street
Boise Idaho 83713
Dear Julie,
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iur solorer spelluptatis doluptate nonector audipsantist explabo risitis siminte mporror aspel ma
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eic te core ipsapicide solutatur reperumqui venditate sit ut lam reptaquatem volum haruntur, que
voluptate et lignis experi occum nobisint ex et rerum, que nullignatem. Nequia quis atqui optatur?
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ipsaped moluptatus si nonsecu sapiderument magnit lam, es as vernam inctor repellabore voloris
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omnimagni autem. Consedi aliquia arum volupti nonsequam hilluptium, is et ad millabo. Nem eaqui
vel iliatat.
Regards,
Todd McLaughlin
apexbg.com
3755 E 82ND STREET, STE 100
INDIANAPOLIS , IN 46240
TODD McLAUGHLIN
ADVISOR
P
C
T
F
tmclaughlin@apexbg.com
3 1 7
3 1 7
877
3 1 7
806
5 1 4
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254
5 1 4 9
6 1 1 0
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1 6 0 6
APEX BENEFITS | Website, social media
Role: branding, design, art direction
APEX BENEFITS | Annual Benchmarking Report - 48 pages
Role: design, art direction, illustration, copy writing/editing
Indiana Employee Benefits
Benchmarking Survey Report
2018
2 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report
Apex Benefits Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Executive Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Survey Statistics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Medical Plan Funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Medical Plan Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Pharmacy Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
PPO Plan Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
HDHP Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Tax-Advantaged Spending Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Population Health . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Dental . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
Vision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Life and AD&D . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
Disability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
Employer Best Practices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
Telemedicine/FMLA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
HRIS/Benefit Admin Systems . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
Additional Benefits Offered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36
Health Care Strategies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37
Human Resources Concerns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
Compensation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40
Medicare . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
Conclusion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
References . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
TABLE OF CONTENTS
Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 1
Message from the CEO
Dear friends and colleagues,
We are pleased to present the Apex Benefits 2018 Indiana Employee Benefits Benchmarking Survey
Report which includes detailed information on employer-sponsored employee benefits offered by over
380 Indiana employers. These employers insure more than 170,000 employees and represent over
$2.5 billion in health care spending in 2018.
Last year, we deployed Indiana’s largest medical benchmarking survey. The resulting data was so
valuable to employers that we expanded this year’s survey to include other popular benefits including
dental, vision, life, disability and wellness programs. We hope that providing a more comprehensive
and broader view of employee benefits packages will help employers gain even more valuable
knowledge to help them strategically manage their benefits and position themselves better in
Indiana’s tight employment market.
For those of you who participated, as a first time or repeat participant, thank you for contributing
information about your employee benefits offerings. We could not have done this without your
cooperation and support.
We are confident you will find this information beneficial as you begin planning for 2019 and beyond.
If we can provide further assistance to you with your benefits evaluation, planning efforts, or anything
else related to your employee engagement initiatives, please contact us.
Sincerely,
John F. Gause
President and CEO
Apex Benefits
4 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report
EXECUTIVE SUMMARY
The 2018 Apex Benefits Indiana Employee Benefits
Benchmarking Report features data collected by
over 380 respondents representing over $2.5 billion
in health care spending. This marks the second year
Apex Benefits has collected benchmarking data
specific to Hoosier employers. This year’s report
features expanded data to include ancillary benefits
like dental, vision, disability, life insurance coverages
and strategies employers are using to meet emerging
challenges.
Indiana’s market differs from other states. Indiana
employers have embraced self-funding earlier than
other markets around the country, and more small
and medium-sized employers are self-funding their
medical plans. The domination of only a few large
hospital systems throughout the state makes health care
delivery different, requiring creativity to find lower-cost
alternatives. While national and regional benchmarks
can provide some value, the uniqueness of the Indiana
market means state-specific benchmarking is key to
making crucial benefits decisions for Hoosier employers.
• Telemedicine is undeniably on the rise in
Indiana. In 2018, 43% of Indiana employers offer
telemedicine benefits compared to 23% in 2017.
• Employee Assistance Programs (EAPs) are
increasing in popularity as the need for mental
health and substance abuse services continues to
rise. 65% of Indiana employers are providing EAPs
compared to 55% in 2017.
• PPO plan benefits in Indiana remain fairly consistent
with National PPO benchmarks. Due to the
unique benefit landscape in Indiana, 56% of the
respondents offer an HDHP plan and those HDHP
plan deductibles and out of pocket maximums
are consistently higher than the National HDHP
benchmarks.
• Employers are finding more efficient ways to
deliver health care to their employees. Employer-
sponsored clinics offer convenient access to
vital primary care. 12% of Indiana employers are
offering their employees access to employer-
sponsored clinics. 59% of those clinics are near-
sight clinic partnerships with other employers,
allowing smaller employers to provide benefits
previously only available to large groups.
• There is a documented correlation between
smoking and increased health care costs. Indiana’s
high smoking rate has caught the attention of
Hoosier employers. As employers continue to
expand their wellness plan offerings, smoking
cessation programs are the most commonly
included element. 47% of Indiana employers offer
smoking cessation programs.
• As Indiana’s unemployment numbers hover at historic
lows, it is not surprising that employers remain
concerned about recruiting talent to sustain and grow
their businesses. 20% of employers listed recruitment
as their top concern for the upcoming year, with
compensation following closely behind at 18%.
Employers across Indiana are faced with three core
challenges:
• We continue to see an extraordinary shift toward
individual responsibility for health care costs – as
evidenced by rising deductibles, growing out-of-
pocket costs, and the accelerating adoption of
consumer-driven health plans.
• Even with the slightly dampened growth of total
pharmacy costs in 2016-2017, utilization and price
increases associated with specialty pharmacy
medications are projected to drive increases of more
than 15% annually,1
and, as a result, total prescription
costs are estimated to grow 7-10% annually.2
• With four generations in the workforce, employers
are working hard to keep pace with the shift in
workforce demographics – particularly the influx of
millennials and the nuances of retirement-minded
baby boomers. Currently, 10,000 people a day
become Medicare-eligible, and supporting such a
dramatic change in benefits is daunting for human
resources professionals.
While these key findings and challenges stand out
from the rest, many other underlying cost pressures
continue to impact employers’ tactical delivery
of benefits across Indiana. This report serves as a
foundation to aid employers in developing strategic,
valuable benefits plans that will help retain current
employees and attract new talent.
Key Findings
Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 5
In many ways, Indiana’s industry mix is reflective of
the national mix of employer industries. Government
and health care industries employ large numbers of
Americans as well as Hoosiers. According to the U.S.
Department of Labor, Indiana has a larger percentage
of employees in the manufacturing sector (16%) than
the national benchmark (7.9%).1
SURVEY STATISTICS
health care
dollars spent:
over
$2.5 billion
16%Other
APEX SURVEY PARTICIPANTS BY INDUSTRY
5%Construction
& Mining
2%
Communications1%
Engineering1%
Retail
1%
Hospitality3%
Transportation
2%
4%
Education
6%
IT /Tech
Services
Agriculture
4%
Real Estate
Mgmt/Sales
7%
Financial
Services
7%
Wholesale &
Retail Trade
14%Manufacturing
9%Government
9%Health Care
9%Not-for-Profit
Industry Breakdown
NATIONAL: Benefits information by industry is
particularly important to employers striving to attract
and retain the best employees in their respective
fields. According to the U.S. Department of Labor’s
Bureau of Labor Statistics, the nation’s top industries
by number of employees are Professional and Business
Services (12.9%), State and Local Governments
(12.4%), Health care (12.2%) and Retail (10.1%). 1
INDIANA: According to the same source, Indiana’s top
industries by number of jobs as of May 2018 are Trade,
Transportation and Utilities (18.6%), Manufacturing
(16.5%), Education and Health Care (14.2%) and
Government (13%).
380
participating
employers
20 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report
Employer-Sponsored Clinics
A growing trend among employers is to optimize
their benefit dollars by offering an onsite or near-
site clinic. These clinic options are offered with the
desired outcome of reducing cost, better managing
the health of the covered population and providing
more convenient care to reduce time away from work.
The service capabilities of clinics continue to expand
beyond primary and acute health care, laboratory and
pharmacy services to include dental, vision, physical
therapy and chiropractic care.
Historically, onsite or near-site clinics were only
being considered by very large employers. This trend
has begun to change and more small to mid-sized
employers are beginning to offer these solutions to
their covered populations, not only as a measure to
reduce health care costs, but also as a critical tool in
employee retention.
POPULATION HEALTH
12%
Did not disclose
Yes
6%
82%
No
EMPLOYEE ACCESS TO EMPLOYER-
SPONSORED PRIMARY CARE CLINICS
20 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 21
Of the organizations offering an employer-sponsored,
onsite primary care clinic to their employees, 83%
had greater than 500 employees. The financial and
physical impact a clinic can generate has been the
driving force behind smaller to mid-sized organizations
extending this offering to their population. In this
survey, near-site clinics were most commonly reported
(82%) by employers with less than 500 employees.
Industry research continues to demonstrate the
value employers place on managing the health of
their employee population. This has most recently
been seen through the lens of value-based primary
care (VBPC). An approach connecting individuals
or employers directly to primary care practitioners
outside of the traditional fee-for-service model,
VBPC is primarily implemented in two forms: direct
primary care (DPC) and onsite/near-site clinics. In the
upcoming years, Apex Benefits anticipates an upward
trend of employer groups exploring the DPC model
as a means to liberate the provider, strengthen the
patient/provider relationship and reduce unnecessary
high-margin services.
POPULATION HEALTH
41%Onsite
59%Near-site
shared with
multiple
employers
TYPES OF EMPLOYER-SPONSORED
PRIMARY CARE CLINICS
29%Nurse
Practitioner
71%Both
Physican & Nurse
Practitioner
TYPES OF PROVIDERS AT EMPLOYER-
SPONSORED PRIMARY CARE CLINIC
Employers are using innovative
options to create a culture of
wellness. Over the past five years,
standing desks had the highest
adoption rate among employers.
6 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report
SURVEY STATISTICS
Size Breakdown
More respondents indicated they employed between 100 and 250 employees than any other size category (28%),
and 56% of respondents reported they employed 100 or more employees.
COMPANY SIZE
19%
<20
employees
15%
21–50
employees
10%
51–99
employees
28%
100–250
employees
13%
251–500
employees
7%
501–1,000
employees
8%
>1,000
employees
Auditor
2%
Finance
10%
SURVEY PARTICIPANTS’ ROLE WITHIN THE COMPANY
Corp. Exec.
19%
Other 8%
Human Resources
61%
SURVEY PARTICIPANTS’ ROLE
WITHIN THE COMPANY
Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 7
Many employers, historically larger employers, choose
to pay for the health services of their employees
directly from their own funds, rather than purchasing
health insurance for them. This is called self-funding.
Federal law (the Employee Retirement Income
Security Act of 1974, or ERISA) exempts self-funded
plans established by private employers from most
state insurance laws, including reserve requirements,
mandated benefits, premium taxes, and consumer
protection regulations. Self-funding is common among
larger employers because they can
spread the risk of costly claims across
a large group of employees and
dependents.
According to Mercer’s 2017 benefits
survey, self-funding rates for
employers with over 1,000 employees
was over 87%, for employers with
500-999 employees it was 66%,
and employers with fewer than 500
employees only used self-funding 17%
of the time. While Indiana’s largest
employers, those with over 1,000
employees, are using self-funding at
a rate comparable to their national
peers (89%), smaller Indiana employers are more likely
to choose self-funding than their national counterparts.
94% of Indiana employers with 500-999 employees are
using self-funding, and 35% of Indiana employers with
fewer than 500 employees are using self-funding.
Smaller employers have started to self-fund medical
plans in hopes of avoiding some of the Affordable
Care Act regulations. Employers who struggle with
cash flow find that traditional self-funded models
are undesirable because of the
fluctuation of funding needed for
claims. For employers wanting
the flexibility, reporting and risk
sharing of self-funded plans, but the
predictability of fully insured plans,
insurance carriers have developed
level-funded plans. In a level funded
arrangement, the group pays a
fixed monthly premium that is
divided into administration costs,
fixed reinsurance costs and claims.
Excess remaining in the claims fund
at the end of the year is returned in
full or in part to the employer.
MEDICAL PLAN FUNDING
10% 33% 63% 85% 94% 89%Self-Funded
84% 60% 35% 15% 6% 11%Fully Insured
<50
employees
50–99
employees
100–250
employees
251-500
employees
501–999
employees
>1,000
employees
PLAN BREAKDOWN BY GROUP SIZE
6% 7% 2% 0% 0% 0%Level Funded
55%
level funded
fully insured
HEALTH PLANS
4%
41%
self-funded
Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 31
DISABILITY
Long Term Disability (LTD)
63% of employers indicated they offer employer-sponsored LTD coverage to their employees.
63%of employers
offer LTD benefits
in 2018
LTD PLAN OFFERED
80%
Contributory
Employer Paid
14%
Employee
Paid
LTD PLAN TYPES
6%
Plan Design
A long-term disability can severely impact a family’s financial stability. 75% of the respondents provide employees
with a benefit equal to 60% of their monthly earnings to help supplement that loss, up to a maximum monthly
benefit. As noted previously, the STD benefit duration and LTD elimination period should be consistent to provide
a continuous revenue stream while disabled.
otherpercentage of
monthly income
5% selected
66 %of employee’s
monthly income
2
3/
13% selected
<60%of employee’s
monthly income
7% selected
MOST POPULAR LTD BENEFIT IS 60% OF AN EMPLOYEE’S MONTHLY INCOME
60%of employee’s
monthly income
75% selected
LTD PLAN OFFERED LTD PLAN TYPES
32 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report
DISABILITY
62%
other
3 months
LTD ELIMINATION PERIODS
6%
32%
6 months
57%
2 years
Other
SSNRA
LTD BENEFIT DURATION
5%
28%
to age 65 10%
Other 20%
$10,000
>$10,000 4%
18%
LTD MONTHLY MAXIMUM BENEFIT
<$5,000
$5,000 18%
4%
$6,000
$7,500 9%
27%
In recognition of Disability Insurance Awareness
Month in May, Carol Harnett, President of the
Council for Disability Awareness was interviewed
on The Point podcast.
Episodes 45-46 covered the lack of adequate
disability insurance coverage for millions of
employees. Also discussed were the financial risks
of being under-insured and the consequences of not
securing adequate disability insurance coverage.
Listen to episodes 45 & 46
of The Point on iTunes, Google Play or at apexbg.com.
Due to increases in the
retirement age, 57% of
the respondents provide
LTD coverage up to the
Social Security National
Retirement Age (SSNRA).
26 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report
VISION
Vision maximums typically apply to lenses, frames and contacts.
Other 7%
LENS ALLOWANCE
<$105
$115–125 14%
18%
$130
$135–150 15%
46%
Other 8%
FRAME ALLOWANCE
$100
$120 8%
8%
$130
$150 14%
62%
Other 6%
VISION MATERIALS COPAY
<$20
$20 24%
16%
$25
>$30 8%
46%
Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 27
LIFE AND AD&D
84% of the employers indicated they offer life
insurance to their employees. Of those who offer
group life insurance, 94% of the employers report
offering AD&D coverage to their employees.
All classes combined, 67% of respondents provide
employer paid group life benefits as flat benefit
amounts to ease administration. Amounts vary from
$10,000 to $50,000 standardly. 31% of respondents
provide employer paid group life benefits as a multiple
of salary. The majority are either one times salary or
two times salary.
Group Life & AD&D
84%of employers
offer group paid
life insurance
in 2018
67%
Flat Amount
31%
Multiple
of Salary
AMOUNT OF COVERAGE
other 2%
89%
1 class
8%
2 classes
3%
3 classes
NUMBER OF ELIGIBLE CLASSES OFFERED
3 x Salary 7%
1 x Salary
1.5 x Salary 14%
36%
2 x Salary
2.5 x Salary 4%
39%
EMPLOYER PAID GROUP LIFE – PROVIDED AS MULTIPLE OF SALARY
2018 ANNUAL CONTRIBUTION LIMTS
$3,450 $6,900
$1,000
(≥ age 55)
(Single) (Family)
$1,000
(≥ age 55)
Enroll online at Anthem and download
their mobile app.
• Track your deductible and
OOP maximums
• Estimate your medical and
pharmacy costs
• View your ID cards
• Refill your prescription
ANTHEM
TOOLS &
RESOURCES
Anthem Anywhere app
APEX BENEFITS | Client communications
Role: branding, design, art direction, illustration, writing/editing
2018 BENEFITS ENROLLMENT GUIDE
2018 Annual
Benefits Enrollment
page 3 | Company Name
Welcome to your 2018-2019 Benefits
[Company] offers you and your eligible family members a
comprehensive and valuable benefits program. We encourage you to
take the time to educate yourself about your options and choose the
best coverage for you and your family.
[Company] offers you and your eligible
family members a comprehensive and
valuable benefits program. We encourage
you to take the time to educate yourself
about your options and choose the best
coverage for you and your family.
Who is Elible?
If you are a full-time employee (working 30
or more hours per week) you are eligible
to enroll in the benefits described in this
guide. The following family members are
eligible for medical coverage: legal spouse
or domestic partner, subscriber’s natural
child, step child, or child placed by adoption
as well as subscriber’s, grandchild, blood
relative or other child for whom legal
guardianship has been awarded to the
subscriber or the subscriber’s spouse.
How to Enroll
Look for an email from Maxwell Health
with a registration link. This will be sent to
your work or personal email address on file
with HR. Follow the directions to register.
Verify your personal information and make
any necessary changes. You will be able
to review your current elections, along
with Benefit Plan information. Once you
are familiar with your Benefits Plans, make
your benefit elections. After you make your
elections, you will not be able to change
them until the next open enrollment period
unless you have a qualified change in
status.
When to Enroll
OPEN ENROLLMENT: The benefits you
elect will be effective March 1, 2018. You
must enroll during [Company]’s annual Open
Enrollment period (June 25–29, 2018). If
you miss these enrollment opportunities, you
must wait until next year’s Open Enrollment
period unless you have a qualifying life event.
NEW HIRES: Exempt employees – benefits
are effective the date of hire.
How to Make Changes
A life event change (qualifying event) is a
personal change in status which may allow
you to change your benefit elections.
Examples of qualifying events include:
• Marital Status Change: Marriage,
Divorce, Legal Separation Dependent
Status Change: Birth, Death, Adoption
• Change in Employment: Full-time to Part-
Time or vice versa
When you experience a life event change,
you will need to request
to change your
benefits within 30
calendar days of the
event and provide
documentation to
Human Resources.
Introduction
Sign up before
time runs out.
Annual enrollment is
June 25–29
Don’t miss your chance
to sign up or
update your benefits.
2018 Annual
Benefits Enrollment
page 5 | Company Name
If you participate in the High Deductible Health Plan (HDHP), you can set aside money
in a Health Savings Account (HSA) before taxes are deducted to pay for eligible medical,
dental and vision expenses. An HSA is similar to a flexible spending account in that you are
eligible to pay for health care expenses with pre-tax dollars, but an HSA has some additional
advantages:
• Unused money in an HSA is not forfeited at the end of the year; it is carried forward.
• Your HSA is yours to keep which means that you can take it with you if you change
jobs or retire. If you have any money remaining in your HSA after your retirement, you
may withdraw the money as cash. [Company] will contribute to your HSA if you elect
Anthem’s High Deductible Health Plan Option:
The maximum amount you can contribute to an HSA (including [Company]’s contribution
above) for calendar year 2018 is $3,450 for individual coverage and $6,900 for family
coverage. Additionally, if you are age 55 or older, you may make an additional “catch-up”
contribution of $1,000. Expenses paid from the HSA remain tax free as long as they are
considered eligible “qualifying medical expenses” under IRS guidelines: Section 213(d). For
further details on these eligibility requirements, go to www.treasury.gov. Please note that you,
not [Company], are accountable to the IRS for making sure you use these funds appropriately,
so make sure to save your receipts!
To set up your HSA through
[Company]’s relationship with Star Financial,
please contact HR or your Office
Administrator.
Tier [Company]’s Annual Contribution
$200
$300
$300
$400
Employee Only
Employee + Child(ren)
Employee + Spouse
Employee + Family
Health Savings Account (HSA)
[COMPANY NAME]
Open Enrollment
2018
Let’s take next steps
BE A SMART CONSUMER
Use
preventive
services
Avoid the
emergency
room
Use
independent
facilities
Use
generic
medications
Use
cost savings
tools
SHEPHERD INSURANCE | Mark and logotype
Role: branding, design
SHEPHERD INSURANCE | Mark and logotype etched in glass
Role: branding, design, art direction, illustration, copy editing, project manager
Color
Voice
Identity
Color
Typography
Photography
Our color palette helps customers
identify us at a glance, and the way
we use color sets the mood for
each of our pieces.
When choosing colors, always
lead with one or more colors
from the bright palette. This
brings an energy and vibrancy
to our communications. Balance
those hues with colors from the
warm and neutral palettes. For
consumer-facing designs, use more
colors from the bright palette.
For a sophisticated feel in B2B
communications, use more colors
from the warm palette.
Color palette
PMS 540
PMS 301
HEX 00529B
HEX 983222
HEX 899F99
HEX A79E70
PMS 5497
PMS 200
PMS 7503
PMS 300
PMS 2985 PMS 326
HEX 5BC6E8 HEX 00B2A9
HEX 5A447A
HEX 718674
HEX 954A09
PMS 5625
PMS 484
PMS 724
Cool Gray 11 White
PMS 376
HEX 7AB800
HEX 6A1A41
HEX 3E5D57
HEX 836344
PMS 5477
PMS 7447
PMS 7505
PMS 371
HEX 416812
HEX FDA01A
HEX D1C99D
PMS 4535
PMS 222 PMS 130 PMS 158
PRIMARY PALETTE
BRIGHT PALETTE
NEUTRAL PALETTE
HEX B71234
HEX DD4814
HEX FFFFFFHEX 002A46 HEX 0067C6 HEX 00B2A9
Identity
Voice
Identity
Color
Typography
Photography
Our logo is the face of our brand.
It serves as a common link across
all communications, and it helps
customers recognize us instantly.
Corporate identity
Primary Signature
Minimum width 3”
Color: Shepherd Blue PMS40
Secondary Signature
No lines of business if total width is
less than 3”
Color: Shepherd Blue PMS540
Clear space and size
It’s important to protect the space
around the logo in order to retain
impact. The minimum clear space
shown here should be the general rule.
The minimum width of the primary
signature including lines of business is
3 inches to maintain legibility.
MINIMUM CLEAR SPACE
The height of the capital S
in Shepherd
SHEPHERD INSURANCE | Brand Guide
Role: branding, design, art direction, illustration, copy editing, project manager
AUGUST 5, 2014
Shepherd
Insurance
Brand
Guidelines
For questions or additional information, please contact:
Chris Wiggins, Marketing Creative Director
Voice
•	 Simple
Simplify messages. Edit concisely to shed needless words and industry
jargon. Provide the right amount of information for the topic and the
audience.
•	 Direct
Get to the point. Show you respect the reader’s time by communicating
exactly what you want the reader to do.
•	 Candid
Candor helps build trust. Let readers know you’ve got their best interests in
mind by being open and transparent in the way you share information.
•	 Conversational
Write the same way that you speak – that includes contractions and
common expressions. It’s okay to be informal. Too much formality or
corporate-speak can make readers feel you have something to hide.
•	 Relevant
Focus on what your readers need. Show them that we understand their
interests and priorities. Demonstrate through your message that we see
them as more than just a policy number.
•	 Proactive
Anticipate questions your reader will likely have and address them up front.
Think a step or two ahead so your reader can make intelligent choices that
will feel as appropriate next month as they do today.
•	 Unexpected
Pleasantly surprise readers by making dry topics interesting. Make routine
communications a joy to read.
What do we sound like?
Our communications should let our
customers know they’re more than
just demographics to us. The brand
voice helps us connect to them
personally.
Be specific
When language gets general and
abstract, it grows dull and vague.
Ideas and stories bring life to your
communications.
General: The healthcare reform
seminar was well attended.
Specific: Eighty-five people came to
the healthcare reform seminar.
General: Associates will have an
opportunity to give feedback.
Specific: Say what you think by
writing your manager before Friday.
General: Financial considerations
negatively impacted our sales effort.
Specific: Last quarter sales fell by 3
percent because our best customer
went bankrupt.
Simplify
You don’t need complicated words to
tell a story – even a complicated story.
Everyday words especially work just
fine.
Change . . . . . . . . . . . . . . . . . . . . . . . to
ascertain . . . . . . . . . . discover, find out
assist. . . . . . . . . . . . . . . . . . . . . . . . . .help
attempt . . . . . . . . . . . . . . . . . . . . . . . . try
communicate . . . . . . . . . say, write, tell
facilitate. . . . . . . . . . . . . . . . . help, ease
impact . . . . . . . . . . . . . . . . . . . . . . affect
indicate . . . . . . . . . . . . .show, point out
insufficient. . . . . . . . . . . . . . not enough
leverage . . . . . . . . . . . . . . . . . . . . . . . use
numerous . . . . . . . . . . . . . . . . . . . .many
obtain. . . . . . . . . . . . . . . . . . . . . . . . . get
personnel. . . . . . . . associates, people,
employees, staff
terminate. . . . . . . . . . . . . . . . . . . . . . end
utilize . . . . . . . . . . . . . . . . . . . . . . . . . use
Voice
Editing checklist
Use these questions to make sure our
writing is clear, concise and on brand.
1 Content
•	 What’s	the	big	idea?
•	 Is	it	simple	and	obvious	enough?
Readers	won’t	take	the	time	to	
figure out something confusing.
Don’t make them try too hard.
•	 Is	the	idea	used	consistently?	Is	
there	a	common	thread?
4 Personality
•	 Does	the	tone	reflect	the	
appropriate brand character traits
for	the	message?
2 Headline
•	 Is	the	headline	engaging	and	
creative,	but	not	too	creative?
Make sure readers can get it right
away.
•	 Is	the	headline	benefit-driven?
It should immediately let the reader
know what’s in it for them.
•	 Does	it	focus	on	the	reader?
5 Visual
•	 Are	the	visual	and	verbal	languages	
complementary?
When viewed together, do they
convey	one	message?	Does	the	
message	flow	logically?
3 Copy
•	 Does	the	concept	relate	well	to	the	
audience?
•	 Is	it	in	active	voice?
•	 Is	it	conversational?	Is	this	how	we	
would	talk?
•	 Does	it	get	to	the	point	quickly?
•	 Is	there	only	one	main	point?	Is	that	
point	clear?
•	 Is	the	information	easy	to	digest?
Are you using subheads and bullet
points to break up long sections of
copy?
•	 Can	the	content	be	skimmed	for	a	
fast	read	and	still	be	understood?
Can the reader understand the
point by just reading the headlines
and	subheads?	Do	they	flow	and	
tell	a	story?
•	 Is	there	a	call	to	action?
Is it clear what the reader is
expected	to	do?
•	 Are	contractions	used	
appropriately?
Voice
Voice
Identity
Color
Typography
Photography
What we say is our message, but
how we say it is our voice. It’s the
way we bring our brand to life
through words.
Our voice shifts just a bit as our
message and audience change.
The different aspects of our brand
character serve as a guide for
creating relevant messaging.
Commercial & Benefits voice
We are always:
Authentic
We are sincere, honest and genuine.
Thoughtful
We are caring thought leaders.
Inspired
We are more than a business. We consider serving
customers our calling. It’s who we are.
Vigilant
Maternal
Personal
Authentic
Thoughtful
Inspired
Stable
Expert
Empowering
Confident
What this means for voice:
Be conversational. It’s okay to be
informal. Too much formality or
corporate-speak can alienate readers.
Feel free to write with contractions and
common expressions.
Keep it simple. Clarify messages. Edit
concisely to shed needless words
and industry jargon. Provide the right
amount of information for the topic and
for the audience.
Be direct. Get to the point. Show
you respect the reader’s time by
communicating exactly what you want
the reader to know.
Think ahead. Anticipate the questions
your reader will likely have and address
them up front. Be proactive so your
reader can make intellent choices that
will feel just as appropriate later as they
do today.
Stay grounded. Some of our
communications will be more
lighthearted than others, but never
forget that we exist to help customers
protect what matters and to build a
strong future.
Sample type settings
RECOMMENDED POINT SIZES
Whenever possible, use the body
copy type settings indicated below.
Headlines,	subheads	and	other	
examples are just suggestions
HEADLINES & SUBHEADS: GOTHAM LIGHT AND BOOK
SIDEBAR BODY COPY & SUBHEADS: GOTHAM BOOK
Top 100 P&C Agencies
1 Gotham Light; size 50 pt.; leading: 52 pt.; tracking: -30
Shepherd joins
Top 100 agencies
Shepherd	Insurance	was	named	among	the	Top	100	Privately	Held	Independent	
Agencies in the U.S. The 2013 list was revealed in the August issue of Insurance Journal.
SUBHEADS, INFOGRAPHICS & NAVIGATION SYSTEM: GOTHAM BOOK, MEDIUM, AND BOLD
1 Gotham Book; size 14 pt.; leading: 16 pt.; tracking: -25
2 Gotham Book; size 9 pt.; leading: 12 pt.; tracking: -25 Note: This is our standard sidebar body copy size.
3 Gotham Book; size 12 pt.; leading: 14 pt.; tracking: -25
1 Gotham Bold and Book; size 10 pt.; leading: 12 pt.; tracking: -25 2 Gotham Bold and Medium; size 8 pt.; leading: 10 pt.; tracking: -30
3 Gotham Medium; size 14 pt.; leading: 15 pt.; tracking: -25 4 Gotham Book and Bold; size 9 pt.; tracking: -25
Shepherd Insurance is listed at #97 and is one of only
three Indiana-based agencies to make the 2013 list.
Agency Name
HUB	International
Lockton
Shepherd Insurance
2013 Rank
1
2
97
Main Office
Chicago, Illinois
Kansas City, Missouri
Indianapolis, Indiana
Insurance Journal’s survey
reveals top privately-held
agencies in the U.S.
Section 1: Navigation System
Section 2: Navigation System
Section 3: Navigation System
1
1
1
4
2 3
3
2
Brochure
GUIDE TO
Understanding
life insurance
Sample Cover 8.5 x 11”
Typo-
graphy
Voice
Identity
Color
Typography
Photography
When used thoughtfully,
typography becomes a powerful
brand tool that can add visual
meaning to what is communicated.
Shepherd’s typography
communicates clearly and cleanly
while	remaining	flexible	in	a	wide	
range of situations.
Typography
Gotham
Gotham is our primary corporate
typeface. It has a variety of weights
and styles, but we use the Book and
Light versions most often. This might
seem limiting, but we can use it to our
advantage to focus communications
and keep things simple. We can
also use type size to make the same
weight feel heavier or lighter.
GOTHAM SUBSTITUTE:
Arial
If you communicate primarily through
Microsoft Word and Excel, use the
default font Arial.
Gotham should be reserved largely
for professional designers and firms
who use Adobe Creative Suite or
Creative Cloud and who focus on
developing external communications
for Shepherd’s various audiences.
Regular ABCDabcd123
Bold ABCDabcd123
QUICK TIP
Always take the time to set text to
Optical Tracking and to manually adjust
the kerning when needed. These details
make us look professional and greatly
improve the readability of our type.
PRIMARY:	LIGHT	&	BOOK
Light
ABCDEFGHIJKLM
NOPRSTUVWXYZ
abcdefghijklmnop
qrstuvwxyz
USES:
Headlines	and	subheads
Book
ABCDEFGHIJKLM
NOPRSTUVWXYZ
abcdefghijklmnop
qrstuvwxyz
USES:
Headlines,	subheads,	sidebar	body	
copy and infographics
SECONDARY:	MEDIUM	&	BOLD
Medium
ABCDEFGHIJKLM
NOPRSTUVWXYZ
abcdefghijklmnop
qrstuvwxyz
USES:
Subheads, infographics and
navigation system
Bold
ABCDEFGHIJKLM
NOPRSTUVWXYZ
abcdefghijklmnop
qrstuvwxyz
USES:
Subheads, infographics and navigation
system
Voice
Voice
Identity
Color
Typography
Photography
What we say is our message, but
how we say it is our voice. It’s the
way we bring our brand to life
through words.
Our voice shifts just a bit as our
message and audience change.
The different aspects of our brand
character serve as a guide for
creating relevant messaging.
Commercial & Benefits voice
We are always:
Authentic
We are sincere, honest and genuine.
Thoughtful
We are caring thought leaders.
Inspired
We are more than a business. We consider serving
customers our calling. It’s who we are.
Vigilant
Maternal
Personal
Authentic
Thoughtful
Inspired
Stable
Expert
Empowering
Confident
What this means for voice:
Be conversational. It’s okay to be
informal. Too much formality or
corporate-speak can alienate readers.
Feel free to write with contractions and
common expressions.
Keep it simple. Clarify messages. Edit
concisely to shed needless words
and industry jargon. Provide the right
amount of information for the topic and
for the audience.
Be direct. Get to the point. Show
you respect the reader’s time by
communicating exactly what you want
the reader to know.
Think ahead. Anticipate the questions
your reader will likely have and address
them up front. Be proactive so your
reader can make intellent choices that
will feel just as appropriate later as they
do today.
Stay grounded. Some of our
communications will be more
lighthearted than others, but never
forget that we exist to help customers
protect what matters and to build a
strong future.
SHEPHERD INSURANCE | Brand Guide (continued)
Role: branding, design, art direction, illustration, copy editing, project manager
Color
Voice
Identity
Color
Typography
Photography
Our color palette helps customers
identify us at a glance, and the way
we use color sets the mood for
each of our pieces.
When choosing colors, always
lead with one or more colors
from the bright palette. This
brings an energy and vibrancy
to our communications. Balance
those hues with colors from the
warm and neutral palettes. For
consumer-facing designs, use more
colors from the bright palette.
For a sophisticated feel in B2B
communications, use more colors
from the warm palette.
Color palette
PMS 540
PMS 301
HEX 00529B
HEX 983222
HEX 899F99
HEX A79E70
PMS 5497
PMS 200
PMS 7503
PMS 300
PMS 2985 PMS 326
HEX 5BC6E8 HEX 00B2A9
HEX 5A447A
HEX 718674
HEX 954A09
PMS 5625
PMS 484
PMS 724
Cool Gray 11 White
PMS 376
HEX 7AB800
HEX 6A1A41
HEX 3E5D57
HEX 836344
PMS 5477
PMS 7447
PMS 7505
PMS 371
HEX 416812
HEX FDA01A
HEX D1C99D
PMS 4535
PMS 222 PMS 130 PMS 158
PRIMARY PALETTE
BRIGHT PALETTE
NEUTRAL PALETTE
HEX B71234
HEX DD4814
HEX FFFFFFHEX 002A46 HEX 0067C6 HEX 00B2A9
SHEPHERD INSURANCE | Brand Guide (continued)
Role: branding, design, art direction, illustration, copy editing, project manager
Typo-
graphy
Voice
Identity
Color
Typography
Photography
When used thoughtfully,
typography becomes a powerful
brand tool that can add visual
meaning to what is communicated.
Shepherd’s typography
communicates clearly and cleanly
while	remaining	flexible	in	a	wide	
range of situations.
Typography
Gotham
Gotham is our primary corporate
typeface. It has a variety of weights
and styles, but we use the Book and
Light versions most often. This might
seem limiting, but we can use it to our
advantage to focus communications
and keep things simple. We can
also use type size to make the same
weight feel heavier or lighter.
GOTHAM SUBSTITUTE:
Arial
If you communicate primarily through
Microsoft Word and Excel, use the
default font Arial.
Gotham should be reserved largely
for professional designers and firms
who use Adobe Creative Suite or
Creative Cloud and who focus on
developing external communications
for Shepherd’s various audiences.
Regular ABCDabcd123
Bold ABCDabcd123
QUICK TIP
Always take the time to set text to
Optical Tracking and to manually adjust
the kerning when needed. These details
make us look professional and greatly
improve the readability of our type.
PRIMARY:	LIGHT	&	BOOK
Light
ABCDEFGHIJKLM
NOPRSTUVWXYZ
abcdefghijklmnop
qrstuvwxyz
USES:
Headlines	and	subheads
Book
ABCDEFGHIJKLM
NOPRSTUVWXYZ
abcdefghijklmnop
qrstuvwxyz
USES:
Headlines,	subheads,	sidebar	body	
copy and infographics
SECONDARY:	MEDIUM	&	BOLD
Medium
ABCDEFGHIJKLM
NOPRSTUVWXYZ
abcdefghijklmnop
qrstuvwxyz
USES:
Subheads, infographics and
navigation system
Bold
ABCDEFGHIJKLM
NOPRSTUVWXYZ
abcdefghijklmnop
qrstuvwxyz
USES:
Subheads, infographics and navigation
system
SHEPHERD INSURANCE | Brand Guide (continued)
Role: branding, design, art direction, illustration, copy editing, project manager
Sample type settings
RECOMMENDED POINT SIZES
Whenever possible, use the body
copy type settings indicated below.
Headlines,	subheads	and	other	
examples are just suggestions
HEADLINES & SUBHEADS: GOTHAM LIGHT AND BOOK
SIDEBAR BODY COPY & SUBHEADS: GOTHAM BOOK
Top 100 P&C Agencies
1 Gotham Light; size 50 pt.; leading: 52 pt.; tracking: -30
Shepherd joins
Top 100 agencies
Shepherd	Insurance	was	named	among	the	Top	100	Privately	Held	Independent	
Agencies in the U.S. The 2013 list was revealed in the August issue of Insurance Journal.
SUBHEADS, INFOGRAPHICS & NAVIGATION SYSTEM: GOTHAM BOOK, MEDIUM, AND BOLD
1 Gotham Book; size 14 pt.; leading: 16 pt.; tracking: -25
2 Gotham Book; size 9 pt.; leading: 12 pt.; tracking: -25 Note: This is our standard sidebar body copy size.
3 Gotham Book; size 12 pt.; leading: 14 pt.; tracking: -25
1 Gotham Bold and Book; size 10 pt.; leading: 12 pt.; tracking: -25 2 Gotham Bold and Medium; size 8 pt.; leading: 10 pt.; tracking: -30
3 Gotham Medium; size 14 pt.; leading: 15 pt.; tracking: -25 4 Gotham Book and Bold; size 9 pt.; tracking: -25
Shepherd Insurance is listed at #97 and is one of only
three Indiana-based agencies to make the 2013 list.
Agency Name
HUB	International
Lockton
Shepherd Insurance
2013 Rank
1
2
97
Main Office
Chicago, Illinois
Kansas City, Missouri
Indianapolis, Indiana
Insurance Journal’s survey
reveals top privately-held
agencies in the U.S.
Section 1: Navigation System
Section 2: Navigation System
Section 3: Navigation System
1
1
1
4
2 3
3
2
Sample type settings
RECOMMENDED POINT SIZES
Whenever possible, use the body
copy type settings indicated below.
Headlines,	subheads	and	other	
examples are just suggestions
MAIN BODY TEXT & PULL QUOTES: CELESTE REGULAR AND BOLD
MAIN BODY TEXT & SUBHEADS: CELESTE REGULAR AND CAPS
We insure
over 300 truck
dealerships
across the U.S.
We work with the nation’s leading insurance companies to
design innovative products tailored to the needs of the unique
truck dealership industry. Our expertise in this industry has
been repeatedly recognized by publications like Truck Parts &
Service, Successful Dealer and Rough Notes magazines.
1
“We understand the
unique issues that
the truck dealership
industry faces.”
3
2
(continued)
1 Celeste Regular; size 36 pt.; leading: 36 pt.; tracking: 0
2 Celeste Regular; size 10 pt.; leading: 12 pt.; tracking: 0
3 Celeste Bold Italic; size 24 pt.; leading: 25 pt.; tracking: 0
4
4 Celeste Bold Caps and Celeste Regular; size 10 pt.; leading: 12 pt.; tracking: 0
Note: This is our standard body copy size.
TRUCK DEALERSHIP EXPERTISE
Our vendors also recognized our success in the industry. We continue to work with
the nations leading insurance companies to design innovative products tailored to
the unique needs of the truck dealership industry. The agency also has the ability to
further tailor these products and services to fit the needs of an individual dealership.
AUTO DEALERS
Shepherd Insurance has been working with auto dealers for more than 20 years.
Our vendors recognize our experience and success in the industry and work us in
designing innovative products tailored to the unique needs of the auto dealership
industry. We also has the ability to further tailor these products and services to fit the
needs of your individual dealership.
SHEPHERD INSURANCE | Brand Guide (continued)
Role: branding, design, art direction, illustration, copy editing, project manager
BENEFITS
Our dedicated team will develop a benefit plan geared towards
protecting your greatest asset: your employees and their families.
We’ll help your employees understand and control their financial
and insurance matters with a benefit plan focused on cost savings,
efficient administration, employee satisfaction and wellness.
Your Shepherd Employee Benefits team serves as a
single, turnkey resource for all of your benefit
plans. Shepherd can help you and your
employees save time and money by building
a customized program specific to your needs.
We understand the passion employees have for
their benefits and the balancing act an employer
has to manage working inside a budget.
Shepherd has built a team of experts to help
employers evaluate their needs, develop goals
and execute a plan to achieve those goals. This
means you can maximize the effectiveness of
your plan, ensure your employees receive the
benefits they desire and maintain control of a
dynamic plan that truly benefits your company.
Employee Benefits
“ CPAs have high standards when it comes to professional
services. Shepherd meets and exceeds those standards in
providing services to our members throughout Indiana.
”
Gary Bolinger,
Indiana CPA Society
Employee Benefits Consulting
Our team will work with you to design,
negotiate and deliver your benefits program.
Health Reform Guidance
We help you maintain compliance while
still providing healthcare to employees.
Plan Administration
We will help you implement the benefit plan
that’s best for your company’s needs.
Compliance Portal
Access up-to-date compliance laws
and information through our exclusive
compliance portal.
Executive Benefits
Custom plans include carve-out plans, key
man insurance, and buy-sell agreements.
Medical, Dental, Vision,
Life & Disability
As an independent agency, we have access to
top carriers, vendors, networks and products.
Voluntary Insurance
Work site products offered through payroll
deduction.
Individual Coverage
Available through Shepherd’s private
exchange, public exchange, or through
the traditional marketplace.
76
BENEFITS
Our dedicated team will develop a benefit plan geared towards
protecting your greatest asset: your employees and their families.
We’ll help your employees understand and control their financial
and insurance matters with a benefit plan focused on cost savings,
efficient administration, employee satisfaction and wellness.
Your Shepherd Employee Benefits team serves as a
single, turnkey resource for all of your benefit
plans. Shepherd can help you and your
employees save time and money by building
a customized program specific to your needs.
We understand the passion employees have for
their benefits and the balancing act an employer
has to manage working inside a budget.
Shepherd has built a team of experts to help
employers evaluate their needs, develop goals
and execute a plan to achieve those goals. This
means you can maximize the effectiveness of
your plan, ensure your employees receive the
benefits they desire and maintain control of a
dynamic plan that truly benefits your company.
Employee Benefits
“ CPAs have high standards when it comes to professional
services. Shepherd meets and exceeds those standards in
providing services to our members throughout Indiana.
”
Gary Bolinger,
Indiana CPA Society
Employee Benefits Consulting
Our team will work with you to design,
negotiate and deliver your benefits program.
Health Reform Guidance
We help you maintain compliance while
still providing healthcare to employees.
Plan Administration
We will help you implement the benefit plan
that’s best for your company’s needs.
Compliance Portal
Access up-to-date compliance laws
and information through our exclusive
compliance portal.
Executive Benefits
Custom plans include carve-out plans, key
man insurance, and buy-sell agreements.
Medical, Dental, Vision,
Life & Disability
As an independent agency, we have access to
top carriers, vendors, networks and products.
Voluntary Insurance
Work site products offered through payroll
deduction.
Individual Coverage
Available through Shepherd’s private
exchange, public exchange, or through
the traditional marketplace.
76
“ We made the switch to Shepherd Insurance because
they understand the insurance marketplace and knew
which carriers were the best fit for our company. ”
Mike Jones & Michael Garvey,
Lauth Property Group
Business Risk Management
Every business requires a unique insurance
solution. We tailor it to your needs.
Workers Compensation
Investing in safety can deliver positive
results. Our team can help keep you on the
right track.
Business Property/
Business Interruption
Eliminate disruption to your company when
a loss occurs.
Business Auto
One wrong turn can end a business. Make sure
your auto exposure is completely covered.
Umbrella Liability
Add an extra layer of protection for your
business to protect you from lawsuits.
Professional Liability
Protect your business with Errors & Omissions
and Directors & Officers liability protection.
Cyber Security
& Data Breach Coverage
We specialize in navigating this complex
market to assist clients in protecting their
business from risks.
Business Perpetuation Liability
Ensuring continuity through buy-sell planning,
key man coverage, and executive benefits.
5
Shepherd Financial is an independent wealth advisory firm serving
mainly corporate retirement plans and select individuals. Adhering
to a process driven model of providing unbiased and objective
advice, from a team of talented professionals with over 150 years
of combined experience, allows us to manage over $600 million of
our clients’ assets.
Our responsibility is to help our clients
make good decisions with their money. We
accomplish this by designing a plan that works
for them over the long term. This process is
designed to maximize the probability that our
clients achieve all that is important to them.
For our retirement plan clients, we believe in
making a difference in your employees lives
by helping them be on a path for a successful
retirement. Ultimately, we instill confidence in
retirement plan trustees, their corporate staff,
and their participants by guiding them through
our nationally recognized proven process.
Financial Services
Trustee/
Fiduciary
Guidance
Participation
Education
Successful
Participant
Outcomes
Investment
Selection &
Monitoring
Fee
Transparency
8
Businesses have been counting on Shepherd for over 30 years. We
leverage our expertise in carrier relations on your behalf to reduce
risk without compromising coverage. Our deep understanding of your
insurance and risk management objectives enable us to implement
programs tailored to your business goals. This approach sets us apart
from the competition. Our goal is to provide confidence, so you can
focus on growing your business.
We develop a comprehensive strategy that
benchmarks your current plan’s competitive
position. Our Platinum Service plan and diverse
carrier representation allows us to consistently
exceed the needs and expectations of our
commercial clients. Based in Indiana, Shepherd
serves clients throughout the entire U.S.
Our process:
• Audit and benchmark current
insurance package
• Perform a detailed claims analysis
• Develop risk management and
marketing strategy
• Implement the program
• Manage the 365 day service timeline
Commercial Insurance
4
We are trusted advisors to you and your business,
delivering tailored solutions designed to you help reach
goals and meet your financial services needs.
Corporate and Not-for-Profit
Retirement Plans
Fiduciary guidance and support, plan design,
fee benchmarking, participant education
and motivation, investment selection and
monitoring.
Retirement Income Planning
Integrated approach achieving a desired
level of income in retirement from a life’s
worth of work.
Investment Management
Thoughtful goals and objectives with
personalized investment allocations designed
towards maximizing the probability of success.
Business Succession Planning
Maximize opportunities and create a multi-
generation institution that embodies the
owner’s mission and values upon transition
to new owners.
Wealth Transfer
Practical needs and wishes of the family
come first and then tailored strategies for
avoiding taxation are implemented.
Philanthropic Planning
Achievement of the highest level of financial
success, satisfaction, and significance.
Advisory Services offered through Capital Analysts or Lincoln Investment, Registered Investment Advisors.
Securities offered through Lincoln Investment, Broker Dealer, Member FINRA/SIPC www.lincolninvestment.com
Shepherd Financial, LLC and the above firms are independent, non-affiliated entities.
9
Businesses have been counting on Shepherd for over 30 years. We
leverage our expertise in carrier relations on your behalf to reduce
risk without compromising coverage. Our deep understanding of your
insurance and risk management objectives enable us to implement
programs tailored to your business goals. This approach sets us apart
from the competition. Our goal is to provide confidence, so you can
focus on growing your business.
We develop a comprehensive strategy that
benchmarks your current plan’s competitive
position. Our Platinum Service plan and diverse
carrier representation allows us to consistently
exceed the needs and expectations of our
commercial clients. Based in Indiana, Shepherd
serves clients throughout the entire U.S.
Our process:
• Audit and benchmark current
insurance package
• Perform a detailed claims analysis
• Develop risk management and
marketing strategy
• Implement the program
• Manage the 365 day service timeline
Commercial Insurance
4
We are trusted advisors to you and your business,
delivering tailored solutions designed to you help reach
goals and meet your financial services needs.
Corporate and Not-for-Profit
Retirement Plans
Fiduciary guidance and support, plan design,
fee benchmarking, participant education
and motivation, investment selection and
monitoring.
Retirement Income Planning
Integrated approach achieving a desired
level of income in retirement from a life’s
worth of work.
Investment Management
Thoughtful goals and objectives with
personalized investment allocations designed
towards maximizing the probability of success.
Business Succession Planning
Maximize opportunities and create a multi-
generation institution that embodies the
owner’s mission and values upon transition
to new owners.
Wealth Transfer
Practical needs and wishes of the family
come first and then tailored strategies for
avoiding taxation are implemented.
Philanthropic Planning
Achievement of the highest level of financial
success, satisfaction, and significance.
Advisory Services offered through Capital Analysts or Lincoln Investment, Registered Investment Advisors.
Securities offered through Lincoln Investment, Broker Dealer, Member FINRA/SIPC www.lincolninvestment.com
Shepherd Financial, LLC and the above firms are independent, non-affiliated entities.
9
“ We made the switch to Shepherd Insurance because
they understand the insurance marketplace and knew
which carriers were the best fit for our company. ”
Mike Jones & Michael Garvey,
Lauth Property Group
Business Risk Management
Every business requires a unique insurance
solution. We tailor it to your needs.
Workers Compensation
Investing in safety can deliver positive
results. Our team can help keep you on the
right track.
Business Property/
Business Interruption
Eliminate disruption to your company when
a loss occurs.
Business Auto
One wrong turn can end a business. Make sure
your auto exposure is completely covered.
Umbrella Liability
Add an extra layer of protection for your
business to protect you from lawsuits.
Professional Liability
Protect your business with Errors & Omissions
and Directors & Officers liability protection.
Cyber Security
& Data Breach Coverage
We specialize in navigating this complex
market to assist clients in protecting their
business from risks.
Business Perpetuation Liability
Ensuring continuity through buy-sell planning,
key man coverage, and executive benefits.
5
Shepherd Financial is an independent wealth advisory firm serving
mainly corporate retirement plans and select individuals. Adhering
to a process driven model of providing unbiased and objective
advice, from a team of talented professionals with over 150 years
of combined experience, allows us to manage over $600 million of
our clients’ assets.
Our responsibility is to help our clients
make good decisions with their money. We
accomplish this by designing a plan that works
for them over the long term. This process is
designed to maximize the probability that our
clients achieve all that is important to them.
For our retirement plan clients, we believe in
making a difference in your employees lives
by helping them be on a path for a successful
retirement. Ultimately, we instill confidence in
retirement plan trustees, their corporate staff,
and their participants by guiding them through
our nationally recognized proven process.
Financial Services
Trustee/
Fiduciary
Guidance
Participation
Education
Successful
Participant
Outcomes
Investment
Selection &
Monitoring
Fee
Transparency
8
SERVICES OFFERED
• Commercial Insurance
• Employee Benefits
• Financial Services
• Personal Insurance
• Life Insurance
KEY FACTS
• Established in 1977 by David Shepherd
• 250 employees
• Headquartered in Carmel, Indiana
• 17 offices throughout Indiana, Arizona,
Florida, Illinois, and Kentucky
• $400 million in total premiums
• Protecting 15,000 companies and
individuals in all 50 states
Firm Profile
We believe our clients’ financial security and quality of life deserve
the utmost dedication, expert advice and personal attention from
a trusted partner. As your trusted advisor, we’ll protect you from
the unexpected, and plan for the predictable. We're one of the
largest independent agencies in the midwest, representing nearly
200 carriers, including the nation's top 10 independent carriers.
We offer our customers a wide variety of insurance products and
offer the ideal portfolio for your needs, now and in the future.
• Commercial Real Estate
• Construction Contractors
– Surety Bonds
• Physicians, Lawyers, CPAs
• Public Sector – Schools
and Municipalities
• Not-for-Profits
• Franchised Truck Dealers
• Franchised Auto Dealers
• Healthcare
• Financial Institutions
• Hospitality
• Restaurants
• Manufacturing
• Motorsports
• Property Development
and Management
• Technology / IT Services
COMPANY GROWTH Total premiums
INDUSTRY SPECIALIZATION
2
“ Our Shepherd agent is a true friend and a longtime trusted
advisor. She’s knowledgeable and committed to what’s best for
her customers. And she’s always there when we need her. ”
Nancy & Bobby “Slick” Leonard,
Personal insurance clients
Auto
Getting the right auto coverage is not as
easy as it sounds. Our people can help.
Homeowners
It’s one of your most important assets and
protecting it is our priority.
Flood
Coverage for flood damage is excluded on a
typical homeowners insurance policy.
Earthquake
Protect yourself from the physical and
financial damage that an earthquake can do.
Umbrella Policy
An umbrella policy shields your family’s
assets and adds an additional liability
protection.
Valuable Articles
Some things need more protection than a
homeowners policy.
Life Insurance
Available products include term life,
universal life, whole life, and key man life
insurance.
Individual Health Insurance
Learn about the different plans available and
discuss your options with one of our experts.
111
INTEGRATED RISK SOLUTIONS
Optimal cost, quality and
choice advantages for employers.
Financial Services
Corporate and Not-for-Profit
Retirement Plans
Retirement Income Planning
Investment Management
Business Succession Planning
Wealth Transfer
Philanthropic Planning
Commercial Insurance
Business Risk Management
Workers Compensation
Business Property/Business
Interruption
Business Auto
Umbrella Liability
Professional Liability
Cyber Security
Business Perpetuation Liability
Employee Benefits
Employee Benefits Consulting
Health Reform Guidance
Plan Administration
Compliance Portal
Executive Benefits
Medical, Dental, Vision,
Life & Disability
Voluntary Insurance
Individual Coverage
Personal Insurance
Auto
Homeowners
Flood, Earthquake
Umbrella Policy
Valuable Articles
Life
Individual Health
Alzheimer's Association
American Heart Association
Center for the Performing Arts
Circle City Relief
Girls Inc.
Humane Society
Indiana Children’s Wish Fund
United Way
OLG Hearts for Haiti
Peyton Manning Children’s Hospital
Prevail of Hamilton County
Riley Children’s Foundation
Susan G. Komen
Turning Point Domestic Violence Services
Wisdom & Grace Ministries
YMCA
We’re just as passionate about community service as we are
about professional service. Quinn Shepherd started Operation
Shepherding in 2011 as a year-round initiative to support
the communities where our employees and clients live and
work. We encourage our team to be actively involved in the
community by giving everyone a day off of work each year to
volunteer with the organization of their choice.
Community Outreach OPERATION SHEPHERDING
PARTIAL LIST OF ORGANIZATIONS WE SUPPORT
Inc. Magazine named
Shepherd one of America’s
fastest growing companies
BroadStreet Partners collaborates with
premier independent agencies who want to
continue to grow their business.
Shepherd Insurance is
a member firm of
BroadStreet Partners
Named Agency of the Year
by Independent Insurance
Agents of Indiana
Awarded to the agency that exemplifies
leadership and innovation in the insurance
industry, Shepherd is proud to be 2003 and
2014 Agency of the Year.
Named one of the Top 100
Independent Agencies in the
U.S. by Insurance Journal
Insurance Journal compiles an annual list
of the top 100 independent agencies in the
U.S. by revenue. Shepherd is proud to be
included on the list at #81.
top1
00 P/C Ag
ency
AGENCY ACHIEVEMENTS
3
Placed among the Top 50
Elite Agencies in the U.S. by
Insurance Business America
INDEPENDENT INSURANCE
AGENTS OF INDIANA
Awarded to the most innovative, efficient
and successful independent agencies in
America. Out of 38,000+ eligible agencies,
Shepherd is ranked among the top 50.
MEET OUR OWNERSHIP TEAM (front l–r): Quinn Shepherd, David Shepherd, Jeff Kweder;
(back l-r) Doug Annakin, Patrick Del Medico, Al Purmort, Pete Harrington, Kelly Shepherd Purmort,
Steve Sweitzer, Steve Gregory, Fred McClaine, Tom Niccum, and Briggs Orsbon.
Celebrating
Shepherd is a three-time honoree in
Inc. Magazine’s Top 5000 Fastest Growing
Companies in the U.S. 2014, 2015, and 2016.
PERSONAL
Protecting what matters most from unexpected disaster or
accident is our highest priority. Your insurance program should be
tailored to fit your near and long-term goals. We’ve been serving
personal insurance clients since 1977, and now have more than
15,000 personal clients. Let us guide your family to a plan that
provides peace of mind for your future.
We’ve been adding a personal touch on
personal lines insurance since 1977 when Dave
Shepherd founded our agency. We spend
time getting to know you, your life and your
goals. Then we work to meet those goals with
customized insurance policies and financial
solutions tailored just for you. As your life
changes, our flexible services change right
along with it.
You deserve the peace of mind to pursue
all of life’s possibilities knowing you have an
insurance advocate and trusted partner who
values your dreams as much as you do.
Personal Insurance
10
SERVICES OFFERED
• Commercial Insurance
• Employee Benefits
• Financial Services
• Personal Insurance
• Life Insurance
KEY FACTS
• Established in 1977 by David Shepherd
• 250 employees
• Headquartered in Carmel, Indiana
• 17 offices throughout Indiana, Arizona,
Florida, Illinois, and Kentucky
• $400 million in total premiums
• Protecting 15,000 companies and
individuals in all 50 states
Firm Profile
We believe our clients’ financial security and quality of life deserve
the utmost dedication, expert advice and personal attention from
a trusted partner. As your trusted advisor, we’ll protect you from
the unexpected, and plan for the predictable. We're one of the
largest independent agencies in the midwest, representing nearly
200 carriers, including the nation's top 10 independent carriers.
We offer our customers a wide variety of insurance products and
offer the ideal portfolio for your needs, now and in the future.
• Commercial Real Estate
• Construction Contractors
– Surety Bonds
• Physicians, Lawyers, CPAs
• Public Sector – Schools
and Municipalities
• Not-for-Profits
• Franchised Truck Dealers
• Franchised Auto Dealers
• Healthcare
• Financial Institutions
• Hospitality
• Restaurants
• Manufacturing
• Motorsports
• Property Development
and Management
• Technology / IT Services
COMPANY GROWTH Total premiums
INDUSTRY SPECIALIZATION
2
“ Our Shepherd agent is a true friend and a longtime trusted
advisor. She’s knowledgeable and committed to what’s best for
her customers. And she’s always there when we need her. ”
Nancy & Bobby “Slick” Leonard,
Personal insurance clients
Auto
Getting the right auto coverage is not as
easy as it sounds. Our people can help.
Homeowners
It’s one of your most important assets and
protecting it is our priority.
Flood
Coverage for flood damage is excluded on a
typical homeowners insurance policy.
Earthquake
Protect yourself from the physical and
financial damage that an earthquake can do.
Umbrella Policy
An umbrella policy shields your family’s
assets and adds an additional liability
protection.
Valuable Articles
Some things need more protection than a
homeowners policy.
Life Insurance
Available products include term life,
universal life, whole life, and key man life
insurance.
Individual Health Insurance
Learn about the different plans available and
discuss your options with one of our experts.
11 1
INTEGRATED RISK SOLUTIONS
Optimal cost, quality and
choice advantages for employers.
Financial Services
Corporate and Not-for-Profit
Retirement Plans
Retirement Income Planning
Investment Management
Business Succession Planning
Wealth Transfer
Philanthropic Planning
Commercial Insurance
Business Risk Management
Workers Compensation
Business Property/Business
Interruption
Business Auto
Umbrella Liability
Professional Liability
Cyber Security
Business Perpetuation Liability
Employee Benefits
Employee Benefits Consulting
Health Reform Guidance
Plan Administration
Compliance Portal
Executive Benefits
Medical, Dental, Vision,
Life & Disability
Voluntary Insurance
Individual Coverage
Personal Insurance
Auto
Homeowners
Flood, Earthquake
Umbrella Policy
Valuable Articles
Life
Individual Health
Alzheimer's Association
American Heart Association
Center for the Performing Arts
Circle City Relief
Girls Inc.
Humane Society
Indiana Children’s Wish Fund
United Way
OLG Hearts for Haiti
Peyton Manning Children’s Hospital
Prevail of Hamilton County
Riley Children’s Foundation
Susan G. Komen
Turning Point Domestic Violence Services
Wisdom & Grace Ministries
YMCA
We’re just as passionate about community service as we are
about professional service. Quinn Shepherd started Operation
Shepherding in 2011 as a year-round initiative to support
the communities where our employees and clients live and
work. We encourage our team to be actively involved in the
community by giving everyone a day off of work each year to
volunteer with the organization of their choice.
Community Outreach OPERATION SHEPHERDING
PARTIAL LIST OF ORGANIZATIONS WE SUPPORT
Inc. Magazine named
Shepherd one of America’s
fastest growing companies
BroadStreet Partners collaborates with
premier independent agencies who want to
continue to grow their business.
Shepherd Insurance is
a member firm of
BroadStreet Partners
Named Agency of the Year
by Independent Insurance
Agents of Indiana
Awarded to the agency that exemplifies
leadership and innovation in the insurance
industry, Shepherd is proud to be 2003 and
2014 Agency of the Year.
Named one of the Top 100
Independent Agencies in the
U.S. by Insurance Journal
Insurance Journal compiles an annual list
of the top 100 independent agencies in the
U.S. by revenue. Shepherd is proud to be
included on the list at #81.
top1
00 P/C Ag
ency
AGENCY ACHIEVEMENTS
3
Placed among the Top 50
Elite Agencies in the U.S. by
Insurance Business America
INDEPENDENT INSURANCE
AGENTS OF INDIANA
Awarded to the most innovative, efficient
and successful independent agencies in
America. Out of 38,000+ eligible agencies,
Shepherd is ranked among the top 50.
MEET OUR OWNERSHIP TEAM (front l–r): Quinn Shepherd, David Shepherd, Jeff Kweder;
(back l-r) Doug Annakin, Patrick Del Medico, Al Purmort, Pete Harrington, Kelly Shepherd Purmort,
Steve Sweitzer, Steve Gregory, Fred McClaine, Tom Niccum, and Briggs Orsbon.
Celebrating
Shepherd is a three-time honoree in
Inc. Magazine’s Top 5000 Fastest Growing
Companies in the U.S. 2014, 2015, and 2016.
PERSONAL
Protecting what matters most from unexpected disaster or
accident is our highest priority. Your insurance program should be
tailored to fit your near and long-term goals. We’ve been serving
personal insurance clients since 1977, and now have more than
15,000 personal clients. Let us guide your family to a plan that
provides peace of mind for your future.
We’ve been adding a personal touch on
personal lines insurance since 1977 when Dave
Shepherd founded our agency. We spend
time getting to know you, your life and your
goals. Then we work to meet those goals with
customized insurance policies and financial
solutions tailored just for you. As your life
changes, our flexible services change right
along with it.
You deserve the peace of mind to pursue
all of life’s possibilities knowing you have an
insurance advocate and trusted partner who
values your dreams as much as you do.
Personal Insurance
10
SHEPHERD INSURANCE | Capabilities Brochure
Role: branding, design, art direction, illustration, copy editing, project manager
TERS
46032
.0204
s.com
IONS
tucky
Your trusted advisor
Privately owned & operated since 1977.
CAPABILITIES BROCHURE
WELLPOINT | Corporate Responsibility Report
Role: design, art direction
Awards	&	Recognition
Top	50	Companies	for	Diversity	
DiversityInc
2008-2014
100	Best	Companies	for		
Working	Mothers	
Working Mother Magazine
2009-2014
Top	Companies	for	Executive	Women	
National Association for Female
Executives (NAFE)
2009-2014
Diversity	Leader	Award	
Profiles in Diversity Journal
2008-2014
Latina	Style	Top	50	Companies	
Latina Style Magazine
2008-2014
CEO	Diversity	Leadership	Award	
Diversity Best Practices
2009-2014
Corporate	Equality	Index	
Human Rights Campaign
2007-2014
Top	100	Military	Friendly	Employers	
G.I Jobs Magazine
2010-2014
WellPoint Foundation, Inc.
120 Monument Circle
Indianapolis, IN 46204
805-557-6177
wellpoint.foundation@wellpoint.com
www.wellpointfoundation.org
WellPoint, Inc.
120 Monument Circle
Indianapolis, IN 46204
www.wellpoint.com
	FSC	LOGO	TO	COME	
This report was developed by
Collega Communications, New York NY,
a woman-owned business.
2
		Contents	
	3	 Letter from the CEO
	 4	 Diversity & Inclusion
8 WellPoint Foundation
10	 Volunteerism
	11 Environment
Reporting	
For more in-depth reporting about
corporate responsibility at WellPoint,
please go online to:
www.wellpoint.com/corporateresponsibility
WellPoint	cares. We are committed to
improving the lives of the people we serve
and the health of our communities.
Corporate	Profile	
WellPoint, Inc. is the largest health benefits
company in terms of medical membership in
the United States.
Through its nationwide networks, the company
offers leading health benefits plans as well
as specialty products and services, including
life and disability insurance benefits, dental,
vision, behavioral health benefit services,
radiology benefit management, analytics-driven
personal health care guidance, long-term care
insurance and flexible spending accounts.
WellPoint is an independent licensee of the
Blue Cross and Blue Shield Association in
14 states.
Online report: www.wellpoint.com/corporateresponsibility 3
To	Our	Associates,	Members	and	Communities
Our mission is inherently socially respon-
sible: to improve the lives of the people we
serve and the health of our communities.
WellPoint associates help us deliver socially
responsible answers to difficult issues.
Their diverse perspectives, backgrounds
and life experiences foster the innovative
solutions that best meet the needs of our
customers, our doctors and hospitals, and
our communities.
Our commitment to diversity and inclusion
truly is a competitive advantage and one
important way we drive superior health
care value.
2014 marks the 13-year anniversary of the
WellPoint Foundation. To date, we have
awarded more than $112 million in grants to
help partners in our communities advocate
the benefits of healthy lifestyles. We’ve
helped so many learn about nutrition, smok-
ing cessation and the importance of good
prenatal care.
We’re collaborating across our 14 states
to address preventable health conditions
to help create a healthier generation of
Americans.
I am especially proud of our associates’
contribution of time and energy to our
communities. Through food drives, volunteer
service days and our Associate Giving
Campaign, they are living our mission.
Living our mission also requires us to be
environmentally responsible. Over the past
few years, we have studied our impact on the
environment, and we’ve identified opportuni-
ties to enhance business performance while
reducing our carbon footprint.
I believe corporate responsibility is embedded
in WellPoint’s mission: we care deeply about
improving the future of this country.
Joseph Swedish
Chair, President and CEO
CORPORATE RESPONSIBILITY REPORT 2014
WellPoint cares.
Diversity & Inclusion
WellPoint Foundation
Volunteerism
Environment
4
Unique perspectives. A shared passion.
Associates working together to deliver superior
health care value for the people we serve.
	
Chief Diversity Officer &
Diversity & Inclusion
“	WellPoint	is	building	a	talent	pipeline	of	associates	who	will	drive	our	
future	success	by	reflecting	the	diversity	of	the	communities	we	serve.”
	 Linda	Jimenez			Chief Diversity Officer and Staff Vice President
“	WellPoint	is	building	a	talent	pipeline	of	associates	who	will	drive	our		
future	success	by	reflecting	the	diversity	of	the	communities	we	serve.”
	 Linda	Jimenez
Chief Diversity Officer and Staff Vice President
Top	company	for	diversity
WellPoint was named among the Top 50
Companies for Diversity by DiversityInc.
We’re proud of our best-in-class practices.
Supporting	our	military
In 2006 VOW (Veteran’s Organization
of WellPoint) ARG coordinated WellPoint’s
giving to the USO’s Operation Care.
Serving	our	members	
SOMOS, WellPoint’s Hispanic ARG, offered insight
on our Health Equities bilingual portal which
was honored with a Bronze Web Health Award.
Helping	our	communities
Our Diversity & Inclusion Ambassadors cham-
pion collection campaigns that deliver food,
toys, and clothing to community organizations.
Online report: www.wellpoint.com/corporateresponsibility 5
WellPoint’s strong commitment to diversity
and inclusion helps us better understand and
meet the evolving health benefit needs of the
communities and customers we serve.
Our talented associates, with their different
skills, experiences and backgrounds, strength-
en our ability to deliver innovative solutions
to emerging health care opportunities and
challenges. At WellPoint, we know that talent
shines brightest in a collaborative environ-
ment. Our inclusive culture encourages associ-
ates to bring ideas and passion to their job
and work together to develop products and
services that improve the lives of our members
and the health of our communities.
Areas	of	Focus
Building	a	World	Class	Workforce	
We want to build and sustain a world-class
workforce, where associates have opportunities
for personal and professional growth, and to be
recognized as a premier employer of choice.	
Creating	and	Sustaining	a	Culture	of	Inclusion	
We strive to create a culture where our indi-
vidual ideas, perspectives and work-life experi-
ences drive our collective success.
Growing	our	Business	
We will grow our business within our multicul-
tural markets through superior strategies that
help us build and maintain relationships with
customers, suppliers and the communities
in which we live and work.
Associate	Resource	Groups
Our associate resource groups (ARGs) create
a sense of community and help us build a
culture of inclusion where all WellPoint associ-
ates feel welcomed and respected and where
our differences and similarities help drive our
business success. By 2014, seven ARGs had
formed at WellPoint.
Abilities	Beyond	Limited	Expectations	(ABLE)
Associate	Network	for	Gay	&	Lesbian	Equality	(ANGLE)	
Healthcare	Young	Professional	Exchange	(HYPE)	
PRIDE	(African	American)	
SOMOS	(Hispanic/Latino)	
Veterans’	Organization	of	WellPoint	(VOW)
Women	of	WellPoint	(WOW)
These ARGs support our efforts to recruit,
retain, engage and develop diverse talent.
The associate resource groups also benefit
the individuals who join by providing a unique
opportunity to add value to our business while
enhancing their careers.
Ambassador	Program
Diversity and Inclusion ambassadors are advo-
cates and role models for WellPoint’s values
and our commitment to diversity and inclusion.
We have more than 200 ambassadors from
coast to coast who represent a broad spectrum
of business units, job levels, and geographic
locations. These volunteers champion our
diversity strategy and support enterprise-wide
events, activities, and programs within their
local work locations.
	
Diversity	&	Inclusion
Strategic	Partnerships
WellPoint maintains strong partnerships with and attends
career events organized by such groups as the National Black
MBA Association, the National Society of Hispanic MBAs, and
the Black Data Processors Associates, to name a few.
8
Healthier living. Healthier generations.
Ensuring a brighter future for our communities
through awareness and education.
WellPoint Foundation
“	We	are	focused	on	our	Healthy	Generations	signature	program	to		
improve	public	health	outcomes	in	communities	across	the	nation.”
	 Lance	Chrisman			Executive Director, WellPoint Foundation
Diabetes	Prevention	
A WellPoint Foundation grant supported the
2013 American Diabetes Association Alert Day.
Over 23,000 visitors went to stopdiabetes.org
to assess their risk for type 2 diabetes.
Premature	and	Low	Birthweights
A grant from the WellPoint Foundation
to the March of Dimes provides pregnant
women in eight states with prenatal
services and education.
10-Year	Anniversary	
Since 2006, $112,000,000 has been donated by
the WellPoint Foundation. In 2014, the Foundation
gave $14,748,620 in grants across our 14 states.
Healthy Generations $ 3,806,692
Healthy Lifestyles 1,323,272
Public Policy & Research 1,107,540
Covering the Uninsured 773,195
Access to Care/Health Care
Disparities/Uninsured Support
574,627
Associate Giving, Disaster Relief, Scholarships 7,163,294
$ 14,748,620
	Grants
Online report: www.wellpoint.com/corporateresponsibility 9
Over the past 10 years we have awarded
more than $112 million in grants to local and
national initiatives that are committed to
improving the lives of the people we serve and
the health of our communities. We also match
the funds that WellPoint associates pledge in
our annual associate giving campaign to six
nonprofit organizations that share our goals.
Among the country’s largest corporate founda-
tions, the WellPoint Foundation is a private,
nonprofit philanthropic organization wholly
funded by WellPoint, Inc. Our mission is re-
flected in our belief that targeting preventable
health concerns by making strategic charitable
choices will help us create a healthier genera-
tion of Americans.
Areas	of	Focus
Dedicated	Public	Health	Partners	
We care deeply about the future of the com-
munities we serve and are proud that our
company and associates support organiza-
tions that share our goal of addressing pre-
ventable health concerns through strategic
choices.
Advocates	for	Healthy	Living		
Our philanthropic efforts raise awareness of
the long-term benefits of active, healthy living,
including proper nutrition, smoking cessation
and the importance of good prenatal care.
WellPoint	Foundation
Champions	for	Healthy	Youths
We recognize that reducing obesity rates
lessens risks for many preventable diseases.
By aggressively targeting youth and families,
we strive to instill lifelong healthy habits at an
early age – before unhealthy habits set in.
Healthy	Generations
Central to the efforts of the WellPoint Foun-
dation is the Healthy Generations program,
a multigenerational initiative to improve public
health. The nine areas of focus within Healthy
Generations are based on the State Health
Index, which incorporates public health data
from the 14 states WellPoint’s Blue-licensed
affiliates serve.
Today, we’re emphasizing efforts that fight
childhood obesity because we recognize
that reducing obesity lessens risks for many
severe health conditions such as diabetes
and heart disease.
Childhood	Obesity		
Premature	and	Low	Birthweights
First	Trimester	Prenatal	Care	
Diabetes	Prevalence	
Smoking	Cessation	
Adult	Influenza	Immunizations
Adult	Pneumococcal	Immunizations
Cardiac	Morbidity	in	Adults
Increasing	Physical	Activity
“	We	are	focused	on	our	Healthy	Generations	signature	program	to		
improve	public	health	outcomes	in	communities	across	the	nation.”
	 Lance	Chrisman			Executive Director, WellPoint Foundation
Youth	Health	Promotion	
In California, the WellPoint Foundation is a founding
sponsor of the Governor’s Council on Physical Fitness
and Sports, and funds some of the council’s major
programs. More than a million Californians have signed
up to take the 2014 Governor’s Challenge.
10
Associate	Volunteerism
At WellPoint, our heritage of caring and our
commitment to social responsibility are
reflected in the extraordinary generosity of
our associates.
We feel that giving back to the community is
the right thing to do. Our associates actively
contribute time, energy, and money to help
build healthy communities in all the markets
we serve. Through food drives, volunteer
service days and our giving campaigns, they
live our mission.
Associate	Giving	Campaign
Each year, WellPoint associates give gener-
ously to health-related nonprofit organizations
across the country through our Associate
Giving Campaign, and a 50 percent match
from the WellPoint Foundation increases the
impact of these gifts.
Community	Service	Day
WellPoint holds an annual day of community
service during which associates and their
friends and families gather to provide direct
assistance to not-for-profit organizations in
the diverse communities we serve.
Healthy	Helpings	Food	Drive
WellPoint’s Healthy Helpings Food Drive
supports food banks across the country.
The canned or boxed food items donated
by our associates help food banks supply
food to service agencies and food pantries
that serve low-income families, the working
poor, senior citizens, children and other
individuals in need.
Giving	Back
In 2014, more than 3,500 associates registered
for 180 projects across 107 cities on Community
Service Day. From helping build playgrounds
and planting gardens to serving in soup kitchens,
we made a valued difference.
Volunteerism
$5.5 MILLION
Associate Giving
WellPoint Match
2014 GIVING
3.7
1.8
Associate	Giving	Campaign
In 2014, thr ough the Associate Giving
Campaign, associates nationwide pledged
more than $3,700,000 to support nonprof-
its. With the WellPoint Foundation match,
that total was raised to $5,500,000.
Feeding	Neighbors
Since 2010, WellPoint associates have
donated approximately 73,000 pounds
of food to food pantries across the coun-
try. WellPoint also donates to Feeding
America, which provides meals to local
communities over the holiday season.
Associate Giving
WellPoint Match
2009 GIVING (IN MILLIONS)
3.7
1.8
Environment
As a health benefits company committed to
improving the lives of the people we serve and
the health of our communities, WellPoint rec-
ognizes the link between our environment and
our health.
To further support the pursuit of healthy life-
styles, we extend our commitment to include
improving the environment. Whether through
energy conservation, recycling, or community
engagement and wellness, we are focused on
the impact we have on the world around us.
Areas	of	Focus
Energy	Conservation	
Lower our energy consumption by 10 percent.
Waste	Minimization	
Reduce our waste generation by 5 percent.
Recycling	
Expand our recycling programs to increase our
percentage of waste recycled to 70 percent.
Community	Engagement	&	Wellness	
Engage with our communities to improve
health and wellness and support the pursuit
of healthier lifestyles.
Environment
Carbon	Disclosure	Project
We have joined with 2,500 organi-
zations to report our environmental
impact. In 2014, we scored above
average in the health care industry,
and above our closest competitors.
Reducing	Energy	Usage	
WellPoint has undertaken energy
audits and is making capital upgrades
to improve the efficiency of our
facilities. One example is the addition
of motion sensing light switches.
Green	Office	
To reduce our carbon footprint,
we are implementing a state-of-the-
art managed print program for the
sharing and distributing of digital
documents.
Online report: www.wellpoint.com/corporateresponsibility 11
ELI LILLY | Sales brochures
Role: design, art direction
Lilly Sales Representative Candidates
Which role fits your goals?
Traditional Sales or Fixed-Duration Employment (FDE) Option
Your Choice
You can take advantage of two types of sales opportunities with Lilly.
You can join us in a traditional role as a Primary Care or Specialty Sales representative.
You can also choose a Fixed-Duration Employment (FDE) sales role. This option gives
you the opportunity to positively impact the lives of people while enhancing your future
with solid training and professional experience for up to a predetermined period of time.
Your Future
It’s your choice to join Lilly in a traditional sales role or the FDE option. Regardless of
your preference, you can expect the same paid training, an exceptional benefits package,
and significant experience with an industry leader.
Most importantly, you can advance your career while helping people to live healthier,
happier lives.
Your Minimum Qualifications
• Have a bachelor’s degree
• Have a cumulative undergraduate GPA of 2.75 or 10 or more years of work experience
• Possess an acceptable driving record and valid driver’s license
This is your chance to impact lives by actively listening and responding to customers
and delivering value as part of our premier sales force. Lilly’s solid reputation with
physicians will enhance your ability to represent our rich pipeline of best-in-class,
first-in-class pharmaceutical products.
Our sales division supports a number of disease state and therapeutic areas.
Cancer/Oncology Bone/Osteoporosis
Diabetes/Endocrine Mental Health/Neuroscience
Cardiovascular, Sepsis/Acute Care Erectile Dysfunction/Other
Your Role
As a Sales Representative, you will:
• Promote Lilly products to physicians and other health care professionals
• Analyze and assess product and managed care information
• Conduct educational programs for physicians
• Attend scheduled training for product and medical updates
• Partner with other representatives to ensure a customer focused selling style
• Provide timely and honest answers
Sales Opportunities with Answers MeetAbb
Needs
Solution
Meet Etha
Needs
Solution
MeetGavi
Needs
Solution
nd Recognition Brochure
Outstanding National
Sales Achievement
Each year we recognize those
individuals who exceeded all our
expectations and led the nation in sales
performance. These remarkable
professionals are our #1 achievers for
the year and set the pace for the rest of
the nation.
2
CONGRATULATIONS TO OUR 2015
W I N N E R S
#1 Sales Specialist in the Nation
East (Charleston, WV)
Angela Zeglin
West (Des Moines)
Janee Anderson &
Stephanie Anderson-Jakobitz
# 1 Ranked District in Nation
Minneapolis
District Manager
Sarah Hertz-Manager
District Members
Janee Anderson
Stephanie Anderson-Jakobitz
Cindy Markley
Ken Nakielski
Colleen McGillis
Greg McGarry
Chuck Baker
Lee Richards
Shawna Kasner-Hannam
Brandt Wade
|
Pharmaceutical S
lilly.com/careerslilly.com/careers
Creating Answers That Matter
Lilly is an innovation-driven corporation committed to providing answers
that help people live longer, healthier, and more active lives. And, with more
than a century of experience behind our name, Lilly is prepared to tackle the
questions and challenges of our changing industry.
As part of our Pharmaceutical Sales team, you will help to deliver answers to
some of the world’s toughest health care questions as you promote our strong
portfolio of products. In doing so, you will ensure that our customers get the
maximum benefits from our products.
Your unique perspectives will contribute to your ongoing accomplishments
as you work in a collaborative environment driven by strong communication,
a passion to make a difference, and a commitment to exceeding patients’
expectations.
Help carry on the traditions of excellence that started more than 130 years ago.
Help us find the ANSWERS THAT MATTER®.
And watch your career soar.
Your Next Steps
Visit lilly.com/careers for more information about Lilly and how we can
impact your career with competitive benefits and professional development.
To apply for a sales role at Lilly:
• select an open sales position on our Job Search page
• submit your resume
• successfully pass the on-line pre-employment screen
Eli Lilly and Company is an equal opportunity employer.
Lilly’s Awards and Recognition
• Business Week Top 50 Best Places to Launch Your Career™
• FORTUNE® America’s Most Admired Companies™
• Money Magazine America’s Best Company Benefits™
• Working Mother Best Companies to Work For™
• Industry Week magazine 100 Best-Managed Companies™
FORTUNE
Money Magazine
Working Mother
Industry Week
Business Week
What will
Answ
Pharmaceutical Sales: Primary Care and Specialty Sales / Fixed-Duration Sales
lilly.com/careers lilly.com/careerslilly.com/careers
Creating Answers That Matter
Lilly is an innovation-driven corporation committed to providing answers
that help people live longer, healthier, and more active lives. And, with more
than a century of experience behind our name, Lilly is prepared to tackle the
questions and challenges of our changing industry.
As part of our Pharmaceutical Sales team, you will help to deliver answers to
some of the world’s toughest health care questions as you promote our strong
portfolio of products. In doing so, you will ensure that our customers get the
maximum benefits from our products.
Your unique perspectives will contribute to your ongoing accomplishments
as you work in a collaborative environment driven by strong communication,
a passion to make a difference, and a commitment to exceeding patients’
expectations.
Help carry on the traditions of excellence that started more than 130 years ago.
Help us find the ANSWERS THAT MATTER®
.
And watch your career soar.
Your Next Steps
Visit lilly.com/careers for more information about Lilly and how we can
impact your career with competitive benefits and professional development.
To apply for a sales role at Lilly:
• select an open sales position on our Job Search page
• submit your resume
• successfully pass the on-line pre-employment screen
Eli Lilly and Company is an equal opportunity employer.
Lilly’s Awards and Recognition
• Business Week Top 50 Best Places to Launch Your Career™
• FORTUNE® America’s Most Admired Companies™
• Money Magazine America’s Best Company Benefits™
• Working Mother Best Companies to Work For™
• Industry Week magazine 100 Best-Managed Companies™
FORTUNE
Money Magazine
Working Mother
Industry Week
Business Week
What will you find in a Sales Career at Lilly?
Answers.
E L I T E
Lilly Oncology
2015 Reward and Recognition Brochure
Outstanding National
Sales Achievement
Each year we recognize those
individuals who exceeded all our
expectations and led the nation in sales
performance. These remarkable
professionals are our #1 achievers for
the year and set the pace for the rest of
the nation.
2
CONGRATULATIONS TO OUR 2015
W I N N E R S
#1 Sales Specialist in the Nation
East (Charleston, WV)
Angela Zeglin
West (Des Moines)
Janee Anderson &
Stephanie Anderson-Jakobitz
# 1 Ranked District in Nation
Minneapolis
District Manager
Sarah Hertz-Manager
District Members
Janee Anderson
Stephanie Anderson-Jakobitz
Cindy Markley
Ken Nakielski
Colleen McGillis
Greg McGarry
Chuck Baker
Lee Richards
Shawna Kasner-Hannam
Brandt Wade
|
Wiggins portfolio 2019
Wiggins portfolio 2019
Wiggins portfolio 2019
Wiggins portfolio 2019
Wiggins portfolio 2019
Wiggins portfolio 2019
Wiggins portfolio 2019

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Wiggins portfolio 2019

  • 1. GRAPHIC DESIGN PORTFOLIO Marketing + design for growing brands CHRIS WIGGINS cwiggins1@icloud.com 317.985.2781
  • 3. 3755 E 82ND STREET, STE 100 INDIANAPOLIS, IN 46240 APEX BENEFITS | Stationery Role: branding, design, art direction, illustration December 18, 2018 Julie Douglas 234 N. 32nd Street Boise Idaho 83713 Dear Julie, Nes dit, suntin corem itamet quidis estem re labo. Facia nis quam num rem fuga. Qui aliquamus iur solorer spelluptatis doluptate nonector audipsantist explabo risitis siminte mporror aspel ma volore pellestis samet, sam laboriberrum hit unt que niaecae volorepera quam dolendandel molupta nonecum quidebi tiorecto elis dolum quidi simusdam nem quis molorei ciatum quis sitae. Ebit pe pre velende lendam exereperfero dis laborrovid quas dolupis auta dolendis explandel eum, ut fugit reiur? Quis prae eat. As et eruptas molupic aborpor ibearun toreperenit hiciatur, sitati occuscipsunt la idionsecesed que labo. Uga. In poreicil moluptatur sapera nonse volendus etum cus eic te core ipsapicide solutatur reperumqui venditate sit ut lam reptaquatem volum haruntur, que voluptate et lignis experi occum nobisint ex et rerum, que nullignatem. Nequia quis atqui optatur? Tatem dolorum volorum exerchicil ese autaturion reristi corepra ecerempos exerciment. Ignimintet alita pellita tiatus necerum doloriorpor as debis perum, serro elecusae excerio. Uscita ipsaped moluptatus si nonsecu sapiderument magnit lam, es as vernam inctor repellabore voloris eium que is aute nis autatem experuptibus is eum estiore ctorrov iditas doluptatur arumque nobistrum est la comniam rem ressitaes dolorepuda veri rehendit fugiaessinus volupta temporr undicab oressed que rem ideris atiae culpa volo occabor uptinum sam endae cone magnam, quist omnimagni autem. Consedi aliquia arum volupti nonsequam hilluptium, is et ad millabo. Nem eaqui vel iliatat. Regards, Todd McLaughlin apexbg.com 3755 E 82ND STREET, STE 100 INDIANAPOLIS , IN 46240 TODD McLAUGHLIN ADVISOR P C T F tmclaughlin@apexbg.com 3 1 7 3 1 7 877 3 1 7 806 5 1 4 8 62 254 5 1 4 9 6 1 1 0 9603 1 6 0 6
  • 4. APEX BENEFITS | Website, social media Role: branding, design, art direction
  • 5. APEX BENEFITS | Annual Benchmarking Report - 48 pages Role: design, art direction, illustration, copy writing/editing Indiana Employee Benefits Benchmarking Survey Report 2018 2 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report Apex Benefits Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Executive Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Survey Statistics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Medical Plan Funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Medical Plan Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Pharmacy Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 PPO Plan Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 HDHP Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Tax-Advantaged Spending Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Population Health . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Dental . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 Vision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 Life and AD&D . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 Disability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Employer Best Practices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 Telemedicine/FMLA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34 HRIS/Benefit Admin Systems . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 Additional Benefits Offered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 Health Care Strategies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37 Human Resources Concerns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 Compensation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 Medicare . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41 Conclusion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 References . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43 TABLE OF CONTENTS Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 1 Message from the CEO Dear friends and colleagues, We are pleased to present the Apex Benefits 2018 Indiana Employee Benefits Benchmarking Survey Report which includes detailed information on employer-sponsored employee benefits offered by over 380 Indiana employers. These employers insure more than 170,000 employees and represent over $2.5 billion in health care spending in 2018. Last year, we deployed Indiana’s largest medical benchmarking survey. The resulting data was so valuable to employers that we expanded this year’s survey to include other popular benefits including dental, vision, life, disability and wellness programs. We hope that providing a more comprehensive and broader view of employee benefits packages will help employers gain even more valuable knowledge to help them strategically manage their benefits and position themselves better in Indiana’s tight employment market. For those of you who participated, as a first time or repeat participant, thank you for contributing information about your employee benefits offerings. We could not have done this without your cooperation and support. We are confident you will find this information beneficial as you begin planning for 2019 and beyond. If we can provide further assistance to you with your benefits evaluation, planning efforts, or anything else related to your employee engagement initiatives, please contact us. Sincerely, John F. Gause President and CEO Apex Benefits 4 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report EXECUTIVE SUMMARY The 2018 Apex Benefits Indiana Employee Benefits Benchmarking Report features data collected by over 380 respondents representing over $2.5 billion in health care spending. This marks the second year Apex Benefits has collected benchmarking data specific to Hoosier employers. This year’s report features expanded data to include ancillary benefits like dental, vision, disability, life insurance coverages and strategies employers are using to meet emerging challenges. Indiana’s market differs from other states. Indiana employers have embraced self-funding earlier than other markets around the country, and more small and medium-sized employers are self-funding their medical plans. The domination of only a few large hospital systems throughout the state makes health care delivery different, requiring creativity to find lower-cost alternatives. While national and regional benchmarks can provide some value, the uniqueness of the Indiana market means state-specific benchmarking is key to making crucial benefits decisions for Hoosier employers. • Telemedicine is undeniably on the rise in Indiana. In 2018, 43% of Indiana employers offer telemedicine benefits compared to 23% in 2017. • Employee Assistance Programs (EAPs) are increasing in popularity as the need for mental health and substance abuse services continues to rise. 65% of Indiana employers are providing EAPs compared to 55% in 2017. • PPO plan benefits in Indiana remain fairly consistent with National PPO benchmarks. Due to the unique benefit landscape in Indiana, 56% of the respondents offer an HDHP plan and those HDHP plan deductibles and out of pocket maximums are consistently higher than the National HDHP benchmarks. • Employers are finding more efficient ways to deliver health care to their employees. Employer- sponsored clinics offer convenient access to vital primary care. 12% of Indiana employers are offering their employees access to employer- sponsored clinics. 59% of those clinics are near- sight clinic partnerships with other employers, allowing smaller employers to provide benefits previously only available to large groups. • There is a documented correlation between smoking and increased health care costs. Indiana’s high smoking rate has caught the attention of Hoosier employers. As employers continue to expand their wellness plan offerings, smoking cessation programs are the most commonly included element. 47% of Indiana employers offer smoking cessation programs. • As Indiana’s unemployment numbers hover at historic lows, it is not surprising that employers remain concerned about recruiting talent to sustain and grow their businesses. 20% of employers listed recruitment as their top concern for the upcoming year, with compensation following closely behind at 18%. Employers across Indiana are faced with three core challenges: • We continue to see an extraordinary shift toward individual responsibility for health care costs – as evidenced by rising deductibles, growing out-of- pocket costs, and the accelerating adoption of consumer-driven health plans. • Even with the slightly dampened growth of total pharmacy costs in 2016-2017, utilization and price increases associated with specialty pharmacy medications are projected to drive increases of more than 15% annually,1 and, as a result, total prescription costs are estimated to grow 7-10% annually.2 • With four generations in the workforce, employers are working hard to keep pace with the shift in workforce demographics – particularly the influx of millennials and the nuances of retirement-minded baby boomers. Currently, 10,000 people a day become Medicare-eligible, and supporting such a dramatic change in benefits is daunting for human resources professionals. While these key findings and challenges stand out from the rest, many other underlying cost pressures continue to impact employers’ tactical delivery of benefits across Indiana. This report serves as a foundation to aid employers in developing strategic, valuable benefits plans that will help retain current employees and attract new talent. Key Findings Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 5 In many ways, Indiana’s industry mix is reflective of the national mix of employer industries. Government and health care industries employ large numbers of Americans as well as Hoosiers. According to the U.S. Department of Labor, Indiana has a larger percentage of employees in the manufacturing sector (16%) than the national benchmark (7.9%).1 SURVEY STATISTICS health care dollars spent: over $2.5 billion 16%Other APEX SURVEY PARTICIPANTS BY INDUSTRY 5%Construction & Mining 2% Communications1% Engineering1% Retail 1% Hospitality3% Transportation 2% 4% Education 6% IT /Tech Services Agriculture 4% Real Estate Mgmt/Sales 7% Financial Services 7% Wholesale & Retail Trade 14%Manufacturing 9%Government 9%Health Care 9%Not-for-Profit Industry Breakdown NATIONAL: Benefits information by industry is particularly important to employers striving to attract and retain the best employees in their respective fields. According to the U.S. Department of Labor’s Bureau of Labor Statistics, the nation’s top industries by number of employees are Professional and Business Services (12.9%), State and Local Governments (12.4%), Health care (12.2%) and Retail (10.1%). 1 INDIANA: According to the same source, Indiana’s top industries by number of jobs as of May 2018 are Trade, Transportation and Utilities (18.6%), Manufacturing (16.5%), Education and Health Care (14.2%) and Government (13%). 380 participating employers 20 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report Employer-Sponsored Clinics A growing trend among employers is to optimize their benefit dollars by offering an onsite or near- site clinic. These clinic options are offered with the desired outcome of reducing cost, better managing the health of the covered population and providing more convenient care to reduce time away from work. The service capabilities of clinics continue to expand beyond primary and acute health care, laboratory and pharmacy services to include dental, vision, physical therapy and chiropractic care. Historically, onsite or near-site clinics were only being considered by very large employers. This trend has begun to change and more small to mid-sized employers are beginning to offer these solutions to their covered populations, not only as a measure to reduce health care costs, but also as a critical tool in employee retention. POPULATION HEALTH 12% Did not disclose Yes 6% 82% No EMPLOYEE ACCESS TO EMPLOYER- SPONSORED PRIMARY CARE CLINICS 20 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 21 Of the organizations offering an employer-sponsored, onsite primary care clinic to their employees, 83% had greater than 500 employees. The financial and physical impact a clinic can generate has been the driving force behind smaller to mid-sized organizations extending this offering to their population. In this survey, near-site clinics were most commonly reported (82%) by employers with less than 500 employees. Industry research continues to demonstrate the value employers place on managing the health of their employee population. This has most recently been seen through the lens of value-based primary care (VBPC). An approach connecting individuals or employers directly to primary care practitioners outside of the traditional fee-for-service model, VBPC is primarily implemented in two forms: direct primary care (DPC) and onsite/near-site clinics. In the upcoming years, Apex Benefits anticipates an upward trend of employer groups exploring the DPC model as a means to liberate the provider, strengthen the patient/provider relationship and reduce unnecessary high-margin services. POPULATION HEALTH 41%Onsite 59%Near-site shared with multiple employers TYPES OF EMPLOYER-SPONSORED PRIMARY CARE CLINICS 29%Nurse Practitioner 71%Both Physican & Nurse Practitioner TYPES OF PROVIDERS AT EMPLOYER- SPONSORED PRIMARY CARE CLINIC Employers are using innovative options to create a culture of wellness. Over the past five years, standing desks had the highest adoption rate among employers. 6 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report SURVEY STATISTICS Size Breakdown More respondents indicated they employed between 100 and 250 employees than any other size category (28%), and 56% of respondents reported they employed 100 or more employees. COMPANY SIZE 19% <20 employees 15% 21–50 employees 10% 51–99 employees 28% 100–250 employees 13% 251–500 employees 7% 501–1,000 employees 8% >1,000 employees Auditor 2% Finance 10% SURVEY PARTICIPANTS’ ROLE WITHIN THE COMPANY Corp. Exec. 19% Other 8% Human Resources 61% SURVEY PARTICIPANTS’ ROLE WITHIN THE COMPANY Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 7 Many employers, historically larger employers, choose to pay for the health services of their employees directly from their own funds, rather than purchasing health insurance for them. This is called self-funding. Federal law (the Employee Retirement Income Security Act of 1974, or ERISA) exempts self-funded plans established by private employers from most state insurance laws, including reserve requirements, mandated benefits, premium taxes, and consumer protection regulations. Self-funding is common among larger employers because they can spread the risk of costly claims across a large group of employees and dependents. According to Mercer’s 2017 benefits survey, self-funding rates for employers with over 1,000 employees was over 87%, for employers with 500-999 employees it was 66%, and employers with fewer than 500 employees only used self-funding 17% of the time. While Indiana’s largest employers, those with over 1,000 employees, are using self-funding at a rate comparable to their national peers (89%), smaller Indiana employers are more likely to choose self-funding than their national counterparts. 94% of Indiana employers with 500-999 employees are using self-funding, and 35% of Indiana employers with fewer than 500 employees are using self-funding. Smaller employers have started to self-fund medical plans in hopes of avoiding some of the Affordable Care Act regulations. Employers who struggle with cash flow find that traditional self-funded models are undesirable because of the fluctuation of funding needed for claims. For employers wanting the flexibility, reporting and risk sharing of self-funded plans, but the predictability of fully insured plans, insurance carriers have developed level-funded plans. In a level funded arrangement, the group pays a fixed monthly premium that is divided into administration costs, fixed reinsurance costs and claims. Excess remaining in the claims fund at the end of the year is returned in full or in part to the employer. MEDICAL PLAN FUNDING 10% 33% 63% 85% 94% 89%Self-Funded 84% 60% 35% 15% 6% 11%Fully Insured <50 employees 50–99 employees 100–250 employees 251-500 employees 501–999 employees >1,000 employees PLAN BREAKDOWN BY GROUP SIZE 6% 7% 2% 0% 0% 0%Level Funded 55% level funded fully insured HEALTH PLANS 4% 41% self-funded Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 31 DISABILITY Long Term Disability (LTD) 63% of employers indicated they offer employer-sponsored LTD coverage to their employees. 63%of employers offer LTD benefits in 2018 LTD PLAN OFFERED 80% Contributory Employer Paid 14% Employee Paid LTD PLAN TYPES 6% Plan Design A long-term disability can severely impact a family’s financial stability. 75% of the respondents provide employees with a benefit equal to 60% of their monthly earnings to help supplement that loss, up to a maximum monthly benefit. As noted previously, the STD benefit duration and LTD elimination period should be consistent to provide a continuous revenue stream while disabled. otherpercentage of monthly income 5% selected 66 %of employee’s monthly income 2 3/ 13% selected <60%of employee’s monthly income 7% selected MOST POPULAR LTD BENEFIT IS 60% OF AN EMPLOYEE’S MONTHLY INCOME 60%of employee’s monthly income 75% selected LTD PLAN OFFERED LTD PLAN TYPES 32 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report DISABILITY 62% other 3 months LTD ELIMINATION PERIODS 6% 32% 6 months 57% 2 years Other SSNRA LTD BENEFIT DURATION 5% 28% to age 65 10% Other 20% $10,000 >$10,000 4% 18% LTD MONTHLY MAXIMUM BENEFIT <$5,000 $5,000 18% 4% $6,000 $7,500 9% 27% In recognition of Disability Insurance Awareness Month in May, Carol Harnett, President of the Council for Disability Awareness was interviewed on The Point podcast. Episodes 45-46 covered the lack of adequate disability insurance coverage for millions of employees. Also discussed were the financial risks of being under-insured and the consequences of not securing adequate disability insurance coverage. Listen to episodes 45 & 46 of The Point on iTunes, Google Play or at apexbg.com. Due to increases in the retirement age, 57% of the respondents provide LTD coverage up to the Social Security National Retirement Age (SSNRA). 26 Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report VISION Vision maximums typically apply to lenses, frames and contacts. Other 7% LENS ALLOWANCE <$105 $115–125 14% 18% $130 $135–150 15% 46% Other 8% FRAME ALLOWANCE $100 $120 8% 8% $130 $150 14% 62% Other 6% VISION MATERIALS COPAY <$20 $20 24% 16% $25 >$30 8% 46% Apex Benefits | 2018 Indiana Employee Benefits Benchmarking Survey Report 27 LIFE AND AD&D 84% of the employers indicated they offer life insurance to their employees. Of those who offer group life insurance, 94% of the employers report offering AD&D coverage to their employees. All classes combined, 67% of respondents provide employer paid group life benefits as flat benefit amounts to ease administration. Amounts vary from $10,000 to $50,000 standardly. 31% of respondents provide employer paid group life benefits as a multiple of salary. The majority are either one times salary or two times salary. Group Life & AD&D 84%of employers offer group paid life insurance in 2018 67% Flat Amount 31% Multiple of Salary AMOUNT OF COVERAGE other 2% 89% 1 class 8% 2 classes 3% 3 classes NUMBER OF ELIGIBLE CLASSES OFFERED 3 x Salary 7% 1 x Salary 1.5 x Salary 14% 36% 2 x Salary 2.5 x Salary 4% 39% EMPLOYER PAID GROUP LIFE – PROVIDED AS MULTIPLE OF SALARY
  • 6. 2018 ANNUAL CONTRIBUTION LIMTS $3,450 $6,900 $1,000 (≥ age 55) (Single) (Family) $1,000 (≥ age 55) Enroll online at Anthem and download their mobile app. • Track your deductible and OOP maximums • Estimate your medical and pharmacy costs • View your ID cards • Refill your prescription ANTHEM TOOLS & RESOURCES Anthem Anywhere app APEX BENEFITS | Client communications Role: branding, design, art direction, illustration, writing/editing 2018 BENEFITS ENROLLMENT GUIDE 2018 Annual Benefits Enrollment page 3 | Company Name Welcome to your 2018-2019 Benefits [Company] offers you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family. [Company] offers you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family. Who is Elible? If you are a full-time employee (working 30 or more hours per week) you are eligible to enroll in the benefits described in this guide. The following family members are eligible for medical coverage: legal spouse or domestic partner, subscriber’s natural child, step child, or child placed by adoption as well as subscriber’s, grandchild, blood relative or other child for whom legal guardianship has been awarded to the subscriber or the subscriber’s spouse. How to Enroll Look for an email from Maxwell Health with a registration link. This will be sent to your work or personal email address on file with HR. Follow the directions to register. Verify your personal information and make any necessary changes. You will be able to review your current elections, along with Benefit Plan information. Once you are familiar with your Benefits Plans, make your benefit elections. After you make your elections, you will not be able to change them until the next open enrollment period unless you have a qualified change in status. When to Enroll OPEN ENROLLMENT: The benefits you elect will be effective March 1, 2018. You must enroll during [Company]’s annual Open Enrollment period (June 25–29, 2018). If you miss these enrollment opportunities, you must wait until next year’s Open Enrollment period unless you have a qualifying life event. NEW HIRES: Exempt employees – benefits are effective the date of hire. How to Make Changes A life event change (qualifying event) is a personal change in status which may allow you to change your benefit elections. Examples of qualifying events include: • Marital Status Change: Marriage, Divorce, Legal Separation Dependent Status Change: Birth, Death, Adoption • Change in Employment: Full-time to Part- Time or vice versa When you experience a life event change, you will need to request to change your benefits within 30 calendar days of the event and provide documentation to Human Resources. Introduction Sign up before time runs out. Annual enrollment is June 25–29 Don’t miss your chance to sign up or update your benefits. 2018 Annual Benefits Enrollment page 5 | Company Name If you participate in the High Deductible Health Plan (HDHP), you can set aside money in a Health Savings Account (HSA) before taxes are deducted to pay for eligible medical, dental and vision expenses. An HSA is similar to a flexible spending account in that you are eligible to pay for health care expenses with pre-tax dollars, but an HSA has some additional advantages: • Unused money in an HSA is not forfeited at the end of the year; it is carried forward. • Your HSA is yours to keep which means that you can take it with you if you change jobs or retire. If you have any money remaining in your HSA after your retirement, you may withdraw the money as cash. [Company] will contribute to your HSA if you elect Anthem’s High Deductible Health Plan Option: The maximum amount you can contribute to an HSA (including [Company]’s contribution above) for calendar year 2018 is $3,450 for individual coverage and $6,900 for family coverage. Additionally, if you are age 55 or older, you may make an additional “catch-up” contribution of $1,000. Expenses paid from the HSA remain tax free as long as they are considered eligible “qualifying medical expenses” under IRS guidelines: Section 213(d). For further details on these eligibility requirements, go to www.treasury.gov. Please note that you, not [Company], are accountable to the IRS for making sure you use these funds appropriately, so make sure to save your receipts! To set up your HSA through [Company]’s relationship with Star Financial, please contact HR or your Office Administrator. Tier [Company]’s Annual Contribution $200 $300 $300 $400 Employee Only Employee + Child(ren) Employee + Spouse Employee + Family Health Savings Account (HSA) [COMPANY NAME] Open Enrollment 2018 Let’s take next steps BE A SMART CONSUMER Use preventive services Avoid the emergency room Use independent facilities Use generic medications Use cost savings tools
  • 7. SHEPHERD INSURANCE | Mark and logotype Role: branding, design
  • 8. SHEPHERD INSURANCE | Mark and logotype etched in glass Role: branding, design, art direction, illustration, copy editing, project manager
  • 9. Color Voice Identity Color Typography Photography Our color palette helps customers identify us at a glance, and the way we use color sets the mood for each of our pieces. When choosing colors, always lead with one or more colors from the bright palette. This brings an energy and vibrancy to our communications. Balance those hues with colors from the warm and neutral palettes. For consumer-facing designs, use more colors from the bright palette. For a sophisticated feel in B2B communications, use more colors from the warm palette. Color palette PMS 540 PMS 301 HEX 00529B HEX 983222 HEX 899F99 HEX A79E70 PMS 5497 PMS 200 PMS 7503 PMS 300 PMS 2985 PMS 326 HEX 5BC6E8 HEX 00B2A9 HEX 5A447A HEX 718674 HEX 954A09 PMS 5625 PMS 484 PMS 724 Cool Gray 11 White PMS 376 HEX 7AB800 HEX 6A1A41 HEX 3E5D57 HEX 836344 PMS 5477 PMS 7447 PMS 7505 PMS 371 HEX 416812 HEX FDA01A HEX D1C99D PMS 4535 PMS 222 PMS 130 PMS 158 PRIMARY PALETTE BRIGHT PALETTE NEUTRAL PALETTE HEX B71234 HEX DD4814 HEX FFFFFFHEX 002A46 HEX 0067C6 HEX 00B2A9 Identity Voice Identity Color Typography Photography Our logo is the face of our brand. It serves as a common link across all communications, and it helps customers recognize us instantly. Corporate identity Primary Signature Minimum width 3” Color: Shepherd Blue PMS40 Secondary Signature No lines of business if total width is less than 3” Color: Shepherd Blue PMS540 Clear space and size It’s important to protect the space around the logo in order to retain impact. The minimum clear space shown here should be the general rule. The minimum width of the primary signature including lines of business is 3 inches to maintain legibility. MINIMUM CLEAR SPACE The height of the capital S in Shepherd SHEPHERD INSURANCE | Brand Guide Role: branding, design, art direction, illustration, copy editing, project manager AUGUST 5, 2014 Shepherd Insurance Brand Guidelines For questions or additional information, please contact: Chris Wiggins, Marketing Creative Director Voice • Simple Simplify messages. Edit concisely to shed needless words and industry jargon. Provide the right amount of information for the topic and the audience. • Direct Get to the point. Show you respect the reader’s time by communicating exactly what you want the reader to do. • Candid Candor helps build trust. Let readers know you’ve got their best interests in mind by being open and transparent in the way you share information. • Conversational Write the same way that you speak – that includes contractions and common expressions. It’s okay to be informal. Too much formality or corporate-speak can make readers feel you have something to hide. • Relevant Focus on what your readers need. Show them that we understand their interests and priorities. Demonstrate through your message that we see them as more than just a policy number. • Proactive Anticipate questions your reader will likely have and address them up front. Think a step or two ahead so your reader can make intelligent choices that will feel as appropriate next month as they do today. • Unexpected Pleasantly surprise readers by making dry topics interesting. Make routine communications a joy to read. What do we sound like? Our communications should let our customers know they’re more than just demographics to us. The brand voice helps us connect to them personally. Be specific When language gets general and abstract, it grows dull and vague. Ideas and stories bring life to your communications. General: The healthcare reform seminar was well attended. Specific: Eighty-five people came to the healthcare reform seminar. General: Associates will have an opportunity to give feedback. Specific: Say what you think by writing your manager before Friday. General: Financial considerations negatively impacted our sales effort. Specific: Last quarter sales fell by 3 percent because our best customer went bankrupt. Simplify You don’t need complicated words to tell a story – even a complicated story. Everyday words especially work just fine. Change . . . . . . . . . . . . . . . . . . . . . . . to ascertain . . . . . . . . . . discover, find out assist. . . . . . . . . . . . . . . . . . . . . . . . . .help attempt . . . . . . . . . . . . . . . . . . . . . . . . try communicate . . . . . . . . . say, write, tell facilitate. . . . . . . . . . . . . . . . . help, ease impact . . . . . . . . . . . . . . . . . . . . . . affect indicate . . . . . . . . . . . . .show, point out insufficient. . . . . . . . . . . . . . not enough leverage . . . . . . . . . . . . . . . . . . . . . . . use numerous . . . . . . . . . . . . . . . . . . . .many obtain. . . . . . . . . . . . . . . . . . . . . . . . . get personnel. . . . . . . . associates, people, employees, staff terminate. . . . . . . . . . . . . . . . . . . . . . end utilize . . . . . . . . . . . . . . . . . . . . . . . . . use Voice Editing checklist Use these questions to make sure our writing is clear, concise and on brand. 1 Content • What’s the big idea? • Is it simple and obvious enough? Readers won’t take the time to figure out something confusing. Don’t make them try too hard. • Is the idea used consistently? Is there a common thread? 4 Personality • Does the tone reflect the appropriate brand character traits for the message? 2 Headline • Is the headline engaging and creative, but not too creative? Make sure readers can get it right away. • Is the headline benefit-driven? It should immediately let the reader know what’s in it for them. • Does it focus on the reader? 5 Visual • Are the visual and verbal languages complementary? When viewed together, do they convey one message? Does the message flow logically? 3 Copy • Does the concept relate well to the audience? • Is it in active voice? • Is it conversational? Is this how we would talk? • Does it get to the point quickly? • Is there only one main point? Is that point clear? • Is the information easy to digest? Are you using subheads and bullet points to break up long sections of copy? • Can the content be skimmed for a fast read and still be understood? Can the reader understand the point by just reading the headlines and subheads? Do they flow and tell a story? • Is there a call to action? Is it clear what the reader is expected to do? • Are contractions used appropriately? Voice Voice Identity Color Typography Photography What we say is our message, but how we say it is our voice. It’s the way we bring our brand to life through words. Our voice shifts just a bit as our message and audience change. The different aspects of our brand character serve as a guide for creating relevant messaging. Commercial & Benefits voice We are always: Authentic We are sincere, honest and genuine. Thoughtful We are caring thought leaders. Inspired We are more than a business. We consider serving customers our calling. It’s who we are. Vigilant Maternal Personal Authentic Thoughtful Inspired Stable Expert Empowering Confident What this means for voice: Be conversational. It’s okay to be informal. Too much formality or corporate-speak can alienate readers. Feel free to write with contractions and common expressions. Keep it simple. Clarify messages. Edit concisely to shed needless words and industry jargon. Provide the right amount of information for the topic and for the audience. Be direct. Get to the point. Show you respect the reader’s time by communicating exactly what you want the reader to know. Think ahead. Anticipate the questions your reader will likely have and address them up front. Be proactive so your reader can make intellent choices that will feel just as appropriate later as they do today. Stay grounded. Some of our communications will be more lighthearted than others, but never forget that we exist to help customers protect what matters and to build a strong future. Sample type settings RECOMMENDED POINT SIZES Whenever possible, use the body copy type settings indicated below. Headlines, subheads and other examples are just suggestions HEADLINES & SUBHEADS: GOTHAM LIGHT AND BOOK SIDEBAR BODY COPY & SUBHEADS: GOTHAM BOOK Top 100 P&C Agencies 1 Gotham Light; size 50 pt.; leading: 52 pt.; tracking: -30 Shepherd joins Top 100 agencies Shepherd Insurance was named among the Top 100 Privately Held Independent Agencies in the U.S. The 2013 list was revealed in the August issue of Insurance Journal. SUBHEADS, INFOGRAPHICS & NAVIGATION SYSTEM: GOTHAM BOOK, MEDIUM, AND BOLD 1 Gotham Book; size 14 pt.; leading: 16 pt.; tracking: -25 2 Gotham Book; size 9 pt.; leading: 12 pt.; tracking: -25 Note: This is our standard sidebar body copy size. 3 Gotham Book; size 12 pt.; leading: 14 pt.; tracking: -25 1 Gotham Bold and Book; size 10 pt.; leading: 12 pt.; tracking: -25 2 Gotham Bold and Medium; size 8 pt.; leading: 10 pt.; tracking: -30 3 Gotham Medium; size 14 pt.; leading: 15 pt.; tracking: -25 4 Gotham Book and Bold; size 9 pt.; tracking: -25 Shepherd Insurance is listed at #97 and is one of only three Indiana-based agencies to make the 2013 list. Agency Name HUB International Lockton Shepherd Insurance 2013 Rank 1 2 97 Main Office Chicago, Illinois Kansas City, Missouri Indianapolis, Indiana Insurance Journal’s survey reveals top privately-held agencies in the U.S. Section 1: Navigation System Section 2: Navigation System Section 3: Navigation System 1 1 1 4 2 3 3 2 Brochure GUIDE TO Understanding life insurance Sample Cover 8.5 x 11” Typo- graphy Voice Identity Color Typography Photography When used thoughtfully, typography becomes a powerful brand tool that can add visual meaning to what is communicated. Shepherd’s typography communicates clearly and cleanly while remaining flexible in a wide range of situations. Typography Gotham Gotham is our primary corporate typeface. It has a variety of weights and styles, but we use the Book and Light versions most often. This might seem limiting, but we can use it to our advantage to focus communications and keep things simple. We can also use type size to make the same weight feel heavier or lighter. GOTHAM SUBSTITUTE: Arial If you communicate primarily through Microsoft Word and Excel, use the default font Arial. Gotham should be reserved largely for professional designers and firms who use Adobe Creative Suite or Creative Cloud and who focus on developing external communications for Shepherd’s various audiences. Regular ABCDabcd123 Bold ABCDabcd123 QUICK TIP Always take the time to set text to Optical Tracking and to manually adjust the kerning when needed. These details make us look professional and greatly improve the readability of our type. PRIMARY: LIGHT & BOOK Light ABCDEFGHIJKLM NOPRSTUVWXYZ abcdefghijklmnop qrstuvwxyz USES: Headlines and subheads Book ABCDEFGHIJKLM NOPRSTUVWXYZ abcdefghijklmnop qrstuvwxyz USES: Headlines, subheads, sidebar body copy and infographics SECONDARY: MEDIUM & BOLD Medium ABCDEFGHIJKLM NOPRSTUVWXYZ abcdefghijklmnop qrstuvwxyz USES: Subheads, infographics and navigation system Bold ABCDEFGHIJKLM NOPRSTUVWXYZ abcdefghijklmnop qrstuvwxyz USES: Subheads, infographics and navigation system
  • 10. Voice Voice Identity Color Typography Photography What we say is our message, but how we say it is our voice. It’s the way we bring our brand to life through words. Our voice shifts just a bit as our message and audience change. The different aspects of our brand character serve as a guide for creating relevant messaging. Commercial & Benefits voice We are always: Authentic We are sincere, honest and genuine. Thoughtful We are caring thought leaders. Inspired We are more than a business. We consider serving customers our calling. It’s who we are. Vigilant Maternal Personal Authentic Thoughtful Inspired Stable Expert Empowering Confident What this means for voice: Be conversational. It’s okay to be informal. Too much formality or corporate-speak can alienate readers. Feel free to write with contractions and common expressions. Keep it simple. Clarify messages. Edit concisely to shed needless words and industry jargon. Provide the right amount of information for the topic and for the audience. Be direct. Get to the point. Show you respect the reader’s time by communicating exactly what you want the reader to know. Think ahead. Anticipate the questions your reader will likely have and address them up front. Be proactive so your reader can make intellent choices that will feel just as appropriate later as they do today. Stay grounded. Some of our communications will be more lighthearted than others, but never forget that we exist to help customers protect what matters and to build a strong future. SHEPHERD INSURANCE | Brand Guide (continued) Role: branding, design, art direction, illustration, copy editing, project manager
  • 11. Color Voice Identity Color Typography Photography Our color palette helps customers identify us at a glance, and the way we use color sets the mood for each of our pieces. When choosing colors, always lead with one or more colors from the bright palette. This brings an energy and vibrancy to our communications. Balance those hues with colors from the warm and neutral palettes. For consumer-facing designs, use more colors from the bright palette. For a sophisticated feel in B2B communications, use more colors from the warm palette. Color palette PMS 540 PMS 301 HEX 00529B HEX 983222 HEX 899F99 HEX A79E70 PMS 5497 PMS 200 PMS 7503 PMS 300 PMS 2985 PMS 326 HEX 5BC6E8 HEX 00B2A9 HEX 5A447A HEX 718674 HEX 954A09 PMS 5625 PMS 484 PMS 724 Cool Gray 11 White PMS 376 HEX 7AB800 HEX 6A1A41 HEX 3E5D57 HEX 836344 PMS 5477 PMS 7447 PMS 7505 PMS 371 HEX 416812 HEX FDA01A HEX D1C99D PMS 4535 PMS 222 PMS 130 PMS 158 PRIMARY PALETTE BRIGHT PALETTE NEUTRAL PALETTE HEX B71234 HEX DD4814 HEX FFFFFFHEX 002A46 HEX 0067C6 HEX 00B2A9 SHEPHERD INSURANCE | Brand Guide (continued) Role: branding, design, art direction, illustration, copy editing, project manager
  • 12. Typo- graphy Voice Identity Color Typography Photography When used thoughtfully, typography becomes a powerful brand tool that can add visual meaning to what is communicated. Shepherd’s typography communicates clearly and cleanly while remaining flexible in a wide range of situations. Typography Gotham Gotham is our primary corporate typeface. It has a variety of weights and styles, but we use the Book and Light versions most often. This might seem limiting, but we can use it to our advantage to focus communications and keep things simple. We can also use type size to make the same weight feel heavier or lighter. GOTHAM SUBSTITUTE: Arial If you communicate primarily through Microsoft Word and Excel, use the default font Arial. Gotham should be reserved largely for professional designers and firms who use Adobe Creative Suite or Creative Cloud and who focus on developing external communications for Shepherd’s various audiences. Regular ABCDabcd123 Bold ABCDabcd123 QUICK TIP Always take the time to set text to Optical Tracking and to manually adjust the kerning when needed. These details make us look professional and greatly improve the readability of our type. PRIMARY: LIGHT & BOOK Light ABCDEFGHIJKLM NOPRSTUVWXYZ abcdefghijklmnop qrstuvwxyz USES: Headlines and subheads Book ABCDEFGHIJKLM NOPRSTUVWXYZ abcdefghijklmnop qrstuvwxyz USES: Headlines, subheads, sidebar body copy and infographics SECONDARY: MEDIUM & BOLD Medium ABCDEFGHIJKLM NOPRSTUVWXYZ abcdefghijklmnop qrstuvwxyz USES: Subheads, infographics and navigation system Bold ABCDEFGHIJKLM NOPRSTUVWXYZ abcdefghijklmnop qrstuvwxyz USES: Subheads, infographics and navigation system SHEPHERD INSURANCE | Brand Guide (continued) Role: branding, design, art direction, illustration, copy editing, project manager
  • 13. Sample type settings RECOMMENDED POINT SIZES Whenever possible, use the body copy type settings indicated below. Headlines, subheads and other examples are just suggestions HEADLINES & SUBHEADS: GOTHAM LIGHT AND BOOK SIDEBAR BODY COPY & SUBHEADS: GOTHAM BOOK Top 100 P&C Agencies 1 Gotham Light; size 50 pt.; leading: 52 pt.; tracking: -30 Shepherd joins Top 100 agencies Shepherd Insurance was named among the Top 100 Privately Held Independent Agencies in the U.S. The 2013 list was revealed in the August issue of Insurance Journal. SUBHEADS, INFOGRAPHICS & NAVIGATION SYSTEM: GOTHAM BOOK, MEDIUM, AND BOLD 1 Gotham Book; size 14 pt.; leading: 16 pt.; tracking: -25 2 Gotham Book; size 9 pt.; leading: 12 pt.; tracking: -25 Note: This is our standard sidebar body copy size. 3 Gotham Book; size 12 pt.; leading: 14 pt.; tracking: -25 1 Gotham Bold and Book; size 10 pt.; leading: 12 pt.; tracking: -25 2 Gotham Bold and Medium; size 8 pt.; leading: 10 pt.; tracking: -30 3 Gotham Medium; size 14 pt.; leading: 15 pt.; tracking: -25 4 Gotham Book and Bold; size 9 pt.; tracking: -25 Shepherd Insurance is listed at #97 and is one of only three Indiana-based agencies to make the 2013 list. Agency Name HUB International Lockton Shepherd Insurance 2013 Rank 1 2 97 Main Office Chicago, Illinois Kansas City, Missouri Indianapolis, Indiana Insurance Journal’s survey reveals top privately-held agencies in the U.S. Section 1: Navigation System Section 2: Navigation System Section 3: Navigation System 1 1 1 4 2 3 3 2 Sample type settings RECOMMENDED POINT SIZES Whenever possible, use the body copy type settings indicated below. Headlines, subheads and other examples are just suggestions MAIN BODY TEXT & PULL QUOTES: CELESTE REGULAR AND BOLD MAIN BODY TEXT & SUBHEADS: CELESTE REGULAR AND CAPS We insure over 300 truck dealerships across the U.S. We work with the nation’s leading insurance companies to design innovative products tailored to the needs of the unique truck dealership industry. Our expertise in this industry has been repeatedly recognized by publications like Truck Parts & Service, Successful Dealer and Rough Notes magazines. 1 “We understand the unique issues that the truck dealership industry faces.” 3 2 (continued) 1 Celeste Regular; size 36 pt.; leading: 36 pt.; tracking: 0 2 Celeste Regular; size 10 pt.; leading: 12 pt.; tracking: 0 3 Celeste Bold Italic; size 24 pt.; leading: 25 pt.; tracking: 0 4 4 Celeste Bold Caps and Celeste Regular; size 10 pt.; leading: 12 pt.; tracking: 0 Note: This is our standard body copy size. TRUCK DEALERSHIP EXPERTISE Our vendors also recognized our success in the industry. We continue to work with the nations leading insurance companies to design innovative products tailored to the unique needs of the truck dealership industry. The agency also has the ability to further tailor these products and services to fit the needs of an individual dealership. AUTO DEALERS Shepherd Insurance has been working with auto dealers for more than 20 years. Our vendors recognize our experience and success in the industry and work us in designing innovative products tailored to the unique needs of the auto dealership industry. We also has the ability to further tailor these products and services to fit the needs of your individual dealership. SHEPHERD INSURANCE | Brand Guide (continued) Role: branding, design, art direction, illustration, copy editing, project manager
  • 14. BENEFITS Our dedicated team will develop a benefit plan geared towards protecting your greatest asset: your employees and their families. We’ll help your employees understand and control their financial and insurance matters with a benefit plan focused on cost savings, efficient administration, employee satisfaction and wellness. Your Shepherd Employee Benefits team serves as a single, turnkey resource for all of your benefit plans. Shepherd can help you and your employees save time and money by building a customized program specific to your needs. We understand the passion employees have for their benefits and the balancing act an employer has to manage working inside a budget. Shepherd has built a team of experts to help employers evaluate their needs, develop goals and execute a plan to achieve those goals. This means you can maximize the effectiveness of your plan, ensure your employees receive the benefits they desire and maintain control of a dynamic plan that truly benefits your company. Employee Benefits “ CPAs have high standards when it comes to professional services. Shepherd meets and exceeds those standards in providing services to our members throughout Indiana. ” Gary Bolinger, Indiana CPA Society Employee Benefits Consulting Our team will work with you to design, negotiate and deliver your benefits program. Health Reform Guidance We help you maintain compliance while still providing healthcare to employees. Plan Administration We will help you implement the benefit plan that’s best for your company’s needs. Compliance Portal Access up-to-date compliance laws and information through our exclusive compliance portal. Executive Benefits Custom plans include carve-out plans, key man insurance, and buy-sell agreements. Medical, Dental, Vision, Life & Disability As an independent agency, we have access to top carriers, vendors, networks and products. Voluntary Insurance Work site products offered through payroll deduction. Individual Coverage Available through Shepherd’s private exchange, public exchange, or through the traditional marketplace. 76 BENEFITS Our dedicated team will develop a benefit plan geared towards protecting your greatest asset: your employees and their families. We’ll help your employees understand and control their financial and insurance matters with a benefit plan focused on cost savings, efficient administration, employee satisfaction and wellness. Your Shepherd Employee Benefits team serves as a single, turnkey resource for all of your benefit plans. Shepherd can help you and your employees save time and money by building a customized program specific to your needs. We understand the passion employees have for their benefits and the balancing act an employer has to manage working inside a budget. Shepherd has built a team of experts to help employers evaluate their needs, develop goals and execute a plan to achieve those goals. This means you can maximize the effectiveness of your plan, ensure your employees receive the benefits they desire and maintain control of a dynamic plan that truly benefits your company. Employee Benefits “ CPAs have high standards when it comes to professional services. Shepherd meets and exceeds those standards in providing services to our members throughout Indiana. ” Gary Bolinger, Indiana CPA Society Employee Benefits Consulting Our team will work with you to design, negotiate and deliver your benefits program. Health Reform Guidance We help you maintain compliance while still providing healthcare to employees. Plan Administration We will help you implement the benefit plan that’s best for your company’s needs. Compliance Portal Access up-to-date compliance laws and information through our exclusive compliance portal. Executive Benefits Custom plans include carve-out plans, key man insurance, and buy-sell agreements. Medical, Dental, Vision, Life & Disability As an independent agency, we have access to top carriers, vendors, networks and products. Voluntary Insurance Work site products offered through payroll deduction. Individual Coverage Available through Shepherd’s private exchange, public exchange, or through the traditional marketplace. 76 “ We made the switch to Shepherd Insurance because they understand the insurance marketplace and knew which carriers were the best fit for our company. ” Mike Jones & Michael Garvey, Lauth Property Group Business Risk Management Every business requires a unique insurance solution. We tailor it to your needs. Workers Compensation Investing in safety can deliver positive results. Our team can help keep you on the right track. Business Property/ Business Interruption Eliminate disruption to your company when a loss occurs. Business Auto One wrong turn can end a business. Make sure your auto exposure is completely covered. Umbrella Liability Add an extra layer of protection for your business to protect you from lawsuits. Professional Liability Protect your business with Errors & Omissions and Directors & Officers liability protection. Cyber Security & Data Breach Coverage We specialize in navigating this complex market to assist clients in protecting their business from risks. Business Perpetuation Liability Ensuring continuity through buy-sell planning, key man coverage, and executive benefits. 5 Shepherd Financial is an independent wealth advisory firm serving mainly corporate retirement plans and select individuals. Adhering to a process driven model of providing unbiased and objective advice, from a team of talented professionals with over 150 years of combined experience, allows us to manage over $600 million of our clients’ assets. Our responsibility is to help our clients make good decisions with their money. We accomplish this by designing a plan that works for them over the long term. This process is designed to maximize the probability that our clients achieve all that is important to them. For our retirement plan clients, we believe in making a difference in your employees lives by helping them be on a path for a successful retirement. Ultimately, we instill confidence in retirement plan trustees, their corporate staff, and their participants by guiding them through our nationally recognized proven process. Financial Services Trustee/ Fiduciary Guidance Participation Education Successful Participant Outcomes Investment Selection & Monitoring Fee Transparency 8 Businesses have been counting on Shepherd for over 30 years. We leverage our expertise in carrier relations on your behalf to reduce risk without compromising coverage. Our deep understanding of your insurance and risk management objectives enable us to implement programs tailored to your business goals. This approach sets us apart from the competition. Our goal is to provide confidence, so you can focus on growing your business. We develop a comprehensive strategy that benchmarks your current plan’s competitive position. Our Platinum Service plan and diverse carrier representation allows us to consistently exceed the needs and expectations of our commercial clients. Based in Indiana, Shepherd serves clients throughout the entire U.S. Our process: • Audit and benchmark current insurance package • Perform a detailed claims analysis • Develop risk management and marketing strategy • Implement the program • Manage the 365 day service timeline Commercial Insurance 4 We are trusted advisors to you and your business, delivering tailored solutions designed to you help reach goals and meet your financial services needs. Corporate and Not-for-Profit Retirement Plans Fiduciary guidance and support, plan design, fee benchmarking, participant education and motivation, investment selection and monitoring. Retirement Income Planning Integrated approach achieving a desired level of income in retirement from a life’s worth of work. Investment Management Thoughtful goals and objectives with personalized investment allocations designed towards maximizing the probability of success. Business Succession Planning Maximize opportunities and create a multi- generation institution that embodies the owner’s mission and values upon transition to new owners. Wealth Transfer Practical needs and wishes of the family come first and then tailored strategies for avoiding taxation are implemented. Philanthropic Planning Achievement of the highest level of financial success, satisfaction, and significance. Advisory Services offered through Capital Analysts or Lincoln Investment, Registered Investment Advisors. Securities offered through Lincoln Investment, Broker Dealer, Member FINRA/SIPC www.lincolninvestment.com Shepherd Financial, LLC and the above firms are independent, non-affiliated entities. 9 Businesses have been counting on Shepherd for over 30 years. We leverage our expertise in carrier relations on your behalf to reduce risk without compromising coverage. Our deep understanding of your insurance and risk management objectives enable us to implement programs tailored to your business goals. This approach sets us apart from the competition. Our goal is to provide confidence, so you can focus on growing your business. We develop a comprehensive strategy that benchmarks your current plan’s competitive position. Our Platinum Service plan and diverse carrier representation allows us to consistently exceed the needs and expectations of our commercial clients. Based in Indiana, Shepherd serves clients throughout the entire U.S. Our process: • Audit and benchmark current insurance package • Perform a detailed claims analysis • Develop risk management and marketing strategy • Implement the program • Manage the 365 day service timeline Commercial Insurance 4 We are trusted advisors to you and your business, delivering tailored solutions designed to you help reach goals and meet your financial services needs. Corporate and Not-for-Profit Retirement Plans Fiduciary guidance and support, plan design, fee benchmarking, participant education and motivation, investment selection and monitoring. Retirement Income Planning Integrated approach achieving a desired level of income in retirement from a life’s worth of work. Investment Management Thoughtful goals and objectives with personalized investment allocations designed towards maximizing the probability of success. Business Succession Planning Maximize opportunities and create a multi- generation institution that embodies the owner’s mission and values upon transition to new owners. Wealth Transfer Practical needs and wishes of the family come first and then tailored strategies for avoiding taxation are implemented. Philanthropic Planning Achievement of the highest level of financial success, satisfaction, and significance. Advisory Services offered through Capital Analysts or Lincoln Investment, Registered Investment Advisors. Securities offered through Lincoln Investment, Broker Dealer, Member FINRA/SIPC www.lincolninvestment.com Shepherd Financial, LLC and the above firms are independent, non-affiliated entities. 9 “ We made the switch to Shepherd Insurance because they understand the insurance marketplace and knew which carriers were the best fit for our company. ” Mike Jones & Michael Garvey, Lauth Property Group Business Risk Management Every business requires a unique insurance solution. We tailor it to your needs. Workers Compensation Investing in safety can deliver positive results. Our team can help keep you on the right track. Business Property/ Business Interruption Eliminate disruption to your company when a loss occurs. Business Auto One wrong turn can end a business. Make sure your auto exposure is completely covered. Umbrella Liability Add an extra layer of protection for your business to protect you from lawsuits. Professional Liability Protect your business with Errors & Omissions and Directors & Officers liability protection. Cyber Security & Data Breach Coverage We specialize in navigating this complex market to assist clients in protecting their business from risks. Business Perpetuation Liability Ensuring continuity through buy-sell planning, key man coverage, and executive benefits. 5 Shepherd Financial is an independent wealth advisory firm serving mainly corporate retirement plans and select individuals. Adhering to a process driven model of providing unbiased and objective advice, from a team of talented professionals with over 150 years of combined experience, allows us to manage over $600 million of our clients’ assets. Our responsibility is to help our clients make good decisions with their money. We accomplish this by designing a plan that works for them over the long term. This process is designed to maximize the probability that our clients achieve all that is important to them. For our retirement plan clients, we believe in making a difference in your employees lives by helping them be on a path for a successful retirement. Ultimately, we instill confidence in retirement plan trustees, their corporate staff, and their participants by guiding them through our nationally recognized proven process. Financial Services Trustee/ Fiduciary Guidance Participation Education Successful Participant Outcomes Investment Selection & Monitoring Fee Transparency 8 SERVICES OFFERED • Commercial Insurance • Employee Benefits • Financial Services • Personal Insurance • Life Insurance KEY FACTS • Established in 1977 by David Shepherd • 250 employees • Headquartered in Carmel, Indiana • 17 offices throughout Indiana, Arizona, Florida, Illinois, and Kentucky • $400 million in total premiums • Protecting 15,000 companies and individuals in all 50 states Firm Profile We believe our clients’ financial security and quality of life deserve the utmost dedication, expert advice and personal attention from a trusted partner. As your trusted advisor, we’ll protect you from the unexpected, and plan for the predictable. We're one of the largest independent agencies in the midwest, representing nearly 200 carriers, including the nation's top 10 independent carriers. We offer our customers a wide variety of insurance products and offer the ideal portfolio for your needs, now and in the future. • Commercial Real Estate • Construction Contractors – Surety Bonds • Physicians, Lawyers, CPAs • Public Sector – Schools and Municipalities • Not-for-Profits • Franchised Truck Dealers • Franchised Auto Dealers • Healthcare • Financial Institutions • Hospitality • Restaurants • Manufacturing • Motorsports • Property Development and Management • Technology / IT Services COMPANY GROWTH Total premiums INDUSTRY SPECIALIZATION 2 “ Our Shepherd agent is a true friend and a longtime trusted advisor. She’s knowledgeable and committed to what’s best for her customers. And she’s always there when we need her. ” Nancy & Bobby “Slick” Leonard, Personal insurance clients Auto Getting the right auto coverage is not as easy as it sounds. Our people can help. Homeowners It’s one of your most important assets and protecting it is our priority. Flood Coverage for flood damage is excluded on a typical homeowners insurance policy. Earthquake Protect yourself from the physical and financial damage that an earthquake can do. Umbrella Policy An umbrella policy shields your family’s assets and adds an additional liability protection. Valuable Articles Some things need more protection than a homeowners policy. Life Insurance Available products include term life, universal life, whole life, and key man life insurance. Individual Health Insurance Learn about the different plans available and discuss your options with one of our experts. 111 INTEGRATED RISK SOLUTIONS Optimal cost, quality and choice advantages for employers. Financial Services Corporate and Not-for-Profit Retirement Plans Retirement Income Planning Investment Management Business Succession Planning Wealth Transfer Philanthropic Planning Commercial Insurance Business Risk Management Workers Compensation Business Property/Business Interruption Business Auto Umbrella Liability Professional Liability Cyber Security Business Perpetuation Liability Employee Benefits Employee Benefits Consulting Health Reform Guidance Plan Administration Compliance Portal Executive Benefits Medical, Dental, Vision, Life & Disability Voluntary Insurance Individual Coverage Personal Insurance Auto Homeowners Flood, Earthquake Umbrella Policy Valuable Articles Life Individual Health Alzheimer's Association American Heart Association Center for the Performing Arts Circle City Relief Girls Inc. Humane Society Indiana Children’s Wish Fund United Way OLG Hearts for Haiti Peyton Manning Children’s Hospital Prevail of Hamilton County Riley Children’s Foundation Susan G. Komen Turning Point Domestic Violence Services Wisdom & Grace Ministries YMCA We’re just as passionate about community service as we are about professional service. Quinn Shepherd started Operation Shepherding in 2011 as a year-round initiative to support the communities where our employees and clients live and work. We encourage our team to be actively involved in the community by giving everyone a day off of work each year to volunteer with the organization of their choice. Community Outreach OPERATION SHEPHERDING PARTIAL LIST OF ORGANIZATIONS WE SUPPORT Inc. Magazine named Shepherd one of America’s fastest growing companies BroadStreet Partners collaborates with premier independent agencies who want to continue to grow their business. Shepherd Insurance is a member firm of BroadStreet Partners Named Agency of the Year by Independent Insurance Agents of Indiana Awarded to the agency that exemplifies leadership and innovation in the insurance industry, Shepherd is proud to be 2003 and 2014 Agency of the Year. Named one of the Top 100 Independent Agencies in the U.S. by Insurance Journal Insurance Journal compiles an annual list of the top 100 independent agencies in the U.S. by revenue. Shepherd is proud to be included on the list at #81. top1 00 P/C Ag ency AGENCY ACHIEVEMENTS 3 Placed among the Top 50 Elite Agencies in the U.S. by Insurance Business America INDEPENDENT INSURANCE AGENTS OF INDIANA Awarded to the most innovative, efficient and successful independent agencies in America. Out of 38,000+ eligible agencies, Shepherd is ranked among the top 50. MEET OUR OWNERSHIP TEAM (front l–r): Quinn Shepherd, David Shepherd, Jeff Kweder; (back l-r) Doug Annakin, Patrick Del Medico, Al Purmort, Pete Harrington, Kelly Shepherd Purmort, Steve Sweitzer, Steve Gregory, Fred McClaine, Tom Niccum, and Briggs Orsbon. Celebrating Shepherd is a three-time honoree in Inc. Magazine’s Top 5000 Fastest Growing Companies in the U.S. 2014, 2015, and 2016. PERSONAL Protecting what matters most from unexpected disaster or accident is our highest priority. Your insurance program should be tailored to fit your near and long-term goals. We’ve been serving personal insurance clients since 1977, and now have more than 15,000 personal clients. Let us guide your family to a plan that provides peace of mind for your future. We’ve been adding a personal touch on personal lines insurance since 1977 when Dave Shepherd founded our agency. We spend time getting to know you, your life and your goals. Then we work to meet those goals with customized insurance policies and financial solutions tailored just for you. As your life changes, our flexible services change right along with it. You deserve the peace of mind to pursue all of life’s possibilities knowing you have an insurance advocate and trusted partner who values your dreams as much as you do. Personal Insurance 10 SERVICES OFFERED • Commercial Insurance • Employee Benefits • Financial Services • Personal Insurance • Life Insurance KEY FACTS • Established in 1977 by David Shepherd • 250 employees • Headquartered in Carmel, Indiana • 17 offices throughout Indiana, Arizona, Florida, Illinois, and Kentucky • $400 million in total premiums • Protecting 15,000 companies and individuals in all 50 states Firm Profile We believe our clients’ financial security and quality of life deserve the utmost dedication, expert advice and personal attention from a trusted partner. As your trusted advisor, we’ll protect you from the unexpected, and plan for the predictable. We're one of the largest independent agencies in the midwest, representing nearly 200 carriers, including the nation's top 10 independent carriers. We offer our customers a wide variety of insurance products and offer the ideal portfolio for your needs, now and in the future. • Commercial Real Estate • Construction Contractors – Surety Bonds • Physicians, Lawyers, CPAs • Public Sector – Schools and Municipalities • Not-for-Profits • Franchised Truck Dealers • Franchised Auto Dealers • Healthcare • Financial Institutions • Hospitality • Restaurants • Manufacturing • Motorsports • Property Development and Management • Technology / IT Services COMPANY GROWTH Total premiums INDUSTRY SPECIALIZATION 2 “ Our Shepherd agent is a true friend and a longtime trusted advisor. She’s knowledgeable and committed to what’s best for her customers. And she’s always there when we need her. ” Nancy & Bobby “Slick” Leonard, Personal insurance clients Auto Getting the right auto coverage is not as easy as it sounds. Our people can help. Homeowners It’s one of your most important assets and protecting it is our priority. Flood Coverage for flood damage is excluded on a typical homeowners insurance policy. Earthquake Protect yourself from the physical and financial damage that an earthquake can do. Umbrella Policy An umbrella policy shields your family’s assets and adds an additional liability protection. Valuable Articles Some things need more protection than a homeowners policy. Life Insurance Available products include term life, universal life, whole life, and key man life insurance. Individual Health Insurance Learn about the different plans available and discuss your options with one of our experts. 11 1 INTEGRATED RISK SOLUTIONS Optimal cost, quality and choice advantages for employers. Financial Services Corporate and Not-for-Profit Retirement Plans Retirement Income Planning Investment Management Business Succession Planning Wealth Transfer Philanthropic Planning Commercial Insurance Business Risk Management Workers Compensation Business Property/Business Interruption Business Auto Umbrella Liability Professional Liability Cyber Security Business Perpetuation Liability Employee Benefits Employee Benefits Consulting Health Reform Guidance Plan Administration Compliance Portal Executive Benefits Medical, Dental, Vision, Life & Disability Voluntary Insurance Individual Coverage Personal Insurance Auto Homeowners Flood, Earthquake Umbrella Policy Valuable Articles Life Individual Health Alzheimer's Association American Heart Association Center for the Performing Arts Circle City Relief Girls Inc. Humane Society Indiana Children’s Wish Fund United Way OLG Hearts for Haiti Peyton Manning Children’s Hospital Prevail of Hamilton County Riley Children’s Foundation Susan G. Komen Turning Point Domestic Violence Services Wisdom & Grace Ministries YMCA We’re just as passionate about community service as we are about professional service. Quinn Shepherd started Operation Shepherding in 2011 as a year-round initiative to support the communities where our employees and clients live and work. We encourage our team to be actively involved in the community by giving everyone a day off of work each year to volunteer with the organization of their choice. Community Outreach OPERATION SHEPHERDING PARTIAL LIST OF ORGANIZATIONS WE SUPPORT Inc. Magazine named Shepherd one of America’s fastest growing companies BroadStreet Partners collaborates with premier independent agencies who want to continue to grow their business. Shepherd Insurance is a member firm of BroadStreet Partners Named Agency of the Year by Independent Insurance Agents of Indiana Awarded to the agency that exemplifies leadership and innovation in the insurance industry, Shepherd is proud to be 2003 and 2014 Agency of the Year. Named one of the Top 100 Independent Agencies in the U.S. by Insurance Journal Insurance Journal compiles an annual list of the top 100 independent agencies in the U.S. by revenue. Shepherd is proud to be included on the list at #81. top1 00 P/C Ag ency AGENCY ACHIEVEMENTS 3 Placed among the Top 50 Elite Agencies in the U.S. by Insurance Business America INDEPENDENT INSURANCE AGENTS OF INDIANA Awarded to the most innovative, efficient and successful independent agencies in America. Out of 38,000+ eligible agencies, Shepherd is ranked among the top 50. MEET OUR OWNERSHIP TEAM (front l–r): Quinn Shepherd, David Shepherd, Jeff Kweder; (back l-r) Doug Annakin, Patrick Del Medico, Al Purmort, Pete Harrington, Kelly Shepherd Purmort, Steve Sweitzer, Steve Gregory, Fred McClaine, Tom Niccum, and Briggs Orsbon. Celebrating Shepherd is a three-time honoree in Inc. Magazine’s Top 5000 Fastest Growing Companies in the U.S. 2014, 2015, and 2016. PERSONAL Protecting what matters most from unexpected disaster or accident is our highest priority. Your insurance program should be tailored to fit your near and long-term goals. We’ve been serving personal insurance clients since 1977, and now have more than 15,000 personal clients. Let us guide your family to a plan that provides peace of mind for your future. We’ve been adding a personal touch on personal lines insurance since 1977 when Dave Shepherd founded our agency. We spend time getting to know you, your life and your goals. Then we work to meet those goals with customized insurance policies and financial solutions tailored just for you. As your life changes, our flexible services change right along with it. You deserve the peace of mind to pursue all of life’s possibilities knowing you have an insurance advocate and trusted partner who values your dreams as much as you do. Personal Insurance 10 SHEPHERD INSURANCE | Capabilities Brochure Role: branding, design, art direction, illustration, copy editing, project manager TERS 46032 .0204 s.com IONS tucky Your trusted advisor Privately owned & operated since 1977. CAPABILITIES BROCHURE
  • 15. WELLPOINT | Corporate Responsibility Report Role: design, art direction Awards & Recognition Top 50 Companies for Diversity DiversityInc 2008-2014 100 Best Companies for Working Mothers Working Mother Magazine 2009-2014 Top Companies for Executive Women National Association for Female Executives (NAFE) 2009-2014 Diversity Leader Award Profiles in Diversity Journal 2008-2014 Latina Style Top 50 Companies Latina Style Magazine 2008-2014 CEO Diversity Leadership Award Diversity Best Practices 2009-2014 Corporate Equality Index Human Rights Campaign 2007-2014 Top 100 Military Friendly Employers G.I Jobs Magazine 2010-2014 WellPoint Foundation, Inc. 120 Monument Circle Indianapolis, IN 46204 805-557-6177 wellpoint.foundation@wellpoint.com www.wellpointfoundation.org WellPoint, Inc. 120 Monument Circle Indianapolis, IN 46204 www.wellpoint.com FSC LOGO TO COME This report was developed by Collega Communications, New York NY, a woman-owned business. 2 Contents 3 Letter from the CEO 4 Diversity & Inclusion 8 WellPoint Foundation 10 Volunteerism 11 Environment Reporting For more in-depth reporting about corporate responsibility at WellPoint, please go online to: www.wellpoint.com/corporateresponsibility WellPoint cares. We are committed to improving the lives of the people we serve and the health of our communities. Corporate Profile WellPoint, Inc. is the largest health benefits company in terms of medical membership in the United States. Through its nationwide networks, the company offers leading health benefits plans as well as specialty products and services, including life and disability insurance benefits, dental, vision, behavioral health benefit services, radiology benefit management, analytics-driven personal health care guidance, long-term care insurance and flexible spending accounts. WellPoint is an independent licensee of the Blue Cross and Blue Shield Association in 14 states. Online report: www.wellpoint.com/corporateresponsibility 3 To Our Associates, Members and Communities Our mission is inherently socially respon- sible: to improve the lives of the people we serve and the health of our communities. WellPoint associates help us deliver socially responsible answers to difficult issues. Their diverse perspectives, backgrounds and life experiences foster the innovative solutions that best meet the needs of our customers, our doctors and hospitals, and our communities. Our commitment to diversity and inclusion truly is a competitive advantage and one important way we drive superior health care value. 2014 marks the 13-year anniversary of the WellPoint Foundation. To date, we have awarded more than $112 million in grants to help partners in our communities advocate the benefits of healthy lifestyles. We’ve helped so many learn about nutrition, smok- ing cessation and the importance of good prenatal care. We’re collaborating across our 14 states to address preventable health conditions to help create a healthier generation of Americans. I am especially proud of our associates’ contribution of time and energy to our communities. Through food drives, volunteer service days and our Associate Giving Campaign, they are living our mission. Living our mission also requires us to be environmentally responsible. Over the past few years, we have studied our impact on the environment, and we’ve identified opportuni- ties to enhance business performance while reducing our carbon footprint. I believe corporate responsibility is embedded in WellPoint’s mission: we care deeply about improving the future of this country. Joseph Swedish Chair, President and CEO CORPORATE RESPONSIBILITY REPORT 2014 WellPoint cares. Diversity & Inclusion WellPoint Foundation Volunteerism Environment 4 Unique perspectives. A shared passion. Associates working together to deliver superior health care value for the people we serve. Chief Diversity Officer & Diversity & Inclusion “ WellPoint is building a talent pipeline of associates who will drive our future success by reflecting the diversity of the communities we serve.” Linda Jimenez Chief Diversity Officer and Staff Vice President “ WellPoint is building a talent pipeline of associates who will drive our future success by reflecting the diversity of the communities we serve.” Linda Jimenez Chief Diversity Officer and Staff Vice President Top company for diversity WellPoint was named among the Top 50 Companies for Diversity by DiversityInc. We’re proud of our best-in-class practices. Supporting our military In 2006 VOW (Veteran’s Organization of WellPoint) ARG coordinated WellPoint’s giving to the USO’s Operation Care. Serving our members SOMOS, WellPoint’s Hispanic ARG, offered insight on our Health Equities bilingual portal which was honored with a Bronze Web Health Award. Helping our communities Our Diversity & Inclusion Ambassadors cham- pion collection campaigns that deliver food, toys, and clothing to community organizations. Online report: www.wellpoint.com/corporateresponsibility 5 WellPoint’s strong commitment to diversity and inclusion helps us better understand and meet the evolving health benefit needs of the communities and customers we serve. Our talented associates, with their different skills, experiences and backgrounds, strength- en our ability to deliver innovative solutions to emerging health care opportunities and challenges. At WellPoint, we know that talent shines brightest in a collaborative environ- ment. Our inclusive culture encourages associ- ates to bring ideas and passion to their job and work together to develop products and services that improve the lives of our members and the health of our communities. Areas of Focus Building a World Class Workforce We want to build and sustain a world-class workforce, where associates have opportunities for personal and professional growth, and to be recognized as a premier employer of choice. Creating and Sustaining a Culture of Inclusion We strive to create a culture where our indi- vidual ideas, perspectives and work-life experi- ences drive our collective success. Growing our Business We will grow our business within our multicul- tural markets through superior strategies that help us build and maintain relationships with customers, suppliers and the communities in which we live and work. Associate Resource Groups Our associate resource groups (ARGs) create a sense of community and help us build a culture of inclusion where all WellPoint associ- ates feel welcomed and respected and where our differences and similarities help drive our business success. By 2014, seven ARGs had formed at WellPoint. Abilities Beyond Limited Expectations (ABLE) Associate Network for Gay & Lesbian Equality (ANGLE) Healthcare Young Professional Exchange (HYPE) PRIDE (African American) SOMOS (Hispanic/Latino) Veterans’ Organization of WellPoint (VOW) Women of WellPoint (WOW) These ARGs support our efforts to recruit, retain, engage and develop diverse talent. The associate resource groups also benefit the individuals who join by providing a unique opportunity to add value to our business while enhancing their careers. Ambassador Program Diversity and Inclusion ambassadors are advo- cates and role models for WellPoint’s values and our commitment to diversity and inclusion. We have more than 200 ambassadors from coast to coast who represent a broad spectrum of business units, job levels, and geographic locations. These volunteers champion our diversity strategy and support enterprise-wide events, activities, and programs within their local work locations. Diversity & Inclusion Strategic Partnerships WellPoint maintains strong partnerships with and attends career events organized by such groups as the National Black MBA Association, the National Society of Hispanic MBAs, and the Black Data Processors Associates, to name a few. 8 Healthier living. Healthier generations. Ensuring a brighter future for our communities through awareness and education. WellPoint Foundation “ We are focused on our Healthy Generations signature program to improve public health outcomes in communities across the nation.” Lance Chrisman Executive Director, WellPoint Foundation Diabetes Prevention A WellPoint Foundation grant supported the 2013 American Diabetes Association Alert Day. Over 23,000 visitors went to stopdiabetes.org to assess their risk for type 2 diabetes. Premature and Low Birthweights A grant from the WellPoint Foundation to the March of Dimes provides pregnant women in eight states with prenatal services and education. 10-Year Anniversary Since 2006, $112,000,000 has been donated by the WellPoint Foundation. In 2014, the Foundation gave $14,748,620 in grants across our 14 states. Healthy Generations $ 3,806,692 Healthy Lifestyles 1,323,272 Public Policy & Research 1,107,540 Covering the Uninsured 773,195 Access to Care/Health Care Disparities/Uninsured Support 574,627 Associate Giving, Disaster Relief, Scholarships 7,163,294 $ 14,748,620 Grants Online report: www.wellpoint.com/corporateresponsibility 9 Over the past 10 years we have awarded more than $112 million in grants to local and national initiatives that are committed to improving the lives of the people we serve and the health of our communities. We also match the funds that WellPoint associates pledge in our annual associate giving campaign to six nonprofit organizations that share our goals. Among the country’s largest corporate founda- tions, the WellPoint Foundation is a private, nonprofit philanthropic organization wholly funded by WellPoint, Inc. Our mission is re- flected in our belief that targeting preventable health concerns by making strategic charitable choices will help us create a healthier genera- tion of Americans. Areas of Focus Dedicated Public Health Partners We care deeply about the future of the com- munities we serve and are proud that our company and associates support organiza- tions that share our goal of addressing pre- ventable health concerns through strategic choices. Advocates for Healthy Living Our philanthropic efforts raise awareness of the long-term benefits of active, healthy living, including proper nutrition, smoking cessation and the importance of good prenatal care. WellPoint Foundation Champions for Healthy Youths We recognize that reducing obesity rates lessens risks for many preventable diseases. By aggressively targeting youth and families, we strive to instill lifelong healthy habits at an early age – before unhealthy habits set in. Healthy Generations Central to the efforts of the WellPoint Foun- dation is the Healthy Generations program, a multigenerational initiative to improve public health. The nine areas of focus within Healthy Generations are based on the State Health Index, which incorporates public health data from the 14 states WellPoint’s Blue-licensed affiliates serve. Today, we’re emphasizing efforts that fight childhood obesity because we recognize that reducing obesity lessens risks for many severe health conditions such as diabetes and heart disease. Childhood Obesity Premature and Low Birthweights First Trimester Prenatal Care Diabetes Prevalence Smoking Cessation Adult Influenza Immunizations Adult Pneumococcal Immunizations Cardiac Morbidity in Adults Increasing Physical Activity “ We are focused on our Healthy Generations signature program to improve public health outcomes in communities across the nation.” Lance Chrisman Executive Director, WellPoint Foundation Youth Health Promotion In California, the WellPoint Foundation is a founding sponsor of the Governor’s Council on Physical Fitness and Sports, and funds some of the council’s major programs. More than a million Californians have signed up to take the 2014 Governor’s Challenge. 10 Associate Volunteerism At WellPoint, our heritage of caring and our commitment to social responsibility are reflected in the extraordinary generosity of our associates. We feel that giving back to the community is the right thing to do. Our associates actively contribute time, energy, and money to help build healthy communities in all the markets we serve. Through food drives, volunteer service days and our giving campaigns, they live our mission. Associate Giving Campaign Each year, WellPoint associates give gener- ously to health-related nonprofit organizations across the country through our Associate Giving Campaign, and a 50 percent match from the WellPoint Foundation increases the impact of these gifts. Community Service Day WellPoint holds an annual day of community service during which associates and their friends and families gather to provide direct assistance to not-for-profit organizations in the diverse communities we serve. Healthy Helpings Food Drive WellPoint’s Healthy Helpings Food Drive supports food banks across the country. The canned or boxed food items donated by our associates help food banks supply food to service agencies and food pantries that serve low-income families, the working poor, senior citizens, children and other individuals in need. Giving Back In 2014, more than 3,500 associates registered for 180 projects across 107 cities on Community Service Day. From helping build playgrounds and planting gardens to serving in soup kitchens, we made a valued difference. Volunteerism $5.5 MILLION Associate Giving WellPoint Match 2014 GIVING 3.7 1.8 Associate Giving Campaign In 2014, thr ough the Associate Giving Campaign, associates nationwide pledged more than $3,700,000 to support nonprof- its. With the WellPoint Foundation match, that total was raised to $5,500,000. Feeding Neighbors Since 2010, WellPoint associates have donated approximately 73,000 pounds of food to food pantries across the coun- try. WellPoint also donates to Feeding America, which provides meals to local communities over the holiday season. Associate Giving WellPoint Match 2009 GIVING (IN MILLIONS) 3.7 1.8 Environment As a health benefits company committed to improving the lives of the people we serve and the health of our communities, WellPoint rec- ognizes the link between our environment and our health. To further support the pursuit of healthy life- styles, we extend our commitment to include improving the environment. Whether through energy conservation, recycling, or community engagement and wellness, we are focused on the impact we have on the world around us. Areas of Focus Energy Conservation Lower our energy consumption by 10 percent. Waste Minimization Reduce our waste generation by 5 percent. Recycling Expand our recycling programs to increase our percentage of waste recycled to 70 percent. Community Engagement & Wellness Engage with our communities to improve health and wellness and support the pursuit of healthier lifestyles. Environment Carbon Disclosure Project We have joined with 2,500 organi- zations to report our environmental impact. In 2014, we scored above average in the health care industry, and above our closest competitors. Reducing Energy Usage WellPoint has undertaken energy audits and is making capital upgrades to improve the efficiency of our facilities. One example is the addition of motion sensing light switches. Green Office To reduce our carbon footprint, we are implementing a state-of-the- art managed print program for the sharing and distributing of digital documents. Online report: www.wellpoint.com/corporateresponsibility 11
  • 16. ELI LILLY | Sales brochures Role: design, art direction Lilly Sales Representative Candidates Which role fits your goals? Traditional Sales or Fixed-Duration Employment (FDE) Option Your Choice You can take advantage of two types of sales opportunities with Lilly. You can join us in a traditional role as a Primary Care or Specialty Sales representative. You can also choose a Fixed-Duration Employment (FDE) sales role. This option gives you the opportunity to positively impact the lives of people while enhancing your future with solid training and professional experience for up to a predetermined period of time. Your Future It’s your choice to join Lilly in a traditional sales role or the FDE option. Regardless of your preference, you can expect the same paid training, an exceptional benefits package, and significant experience with an industry leader. Most importantly, you can advance your career while helping people to live healthier, happier lives. Your Minimum Qualifications • Have a bachelor’s degree • Have a cumulative undergraduate GPA of 2.75 or 10 or more years of work experience • Possess an acceptable driving record and valid driver’s license This is your chance to impact lives by actively listening and responding to customers and delivering value as part of our premier sales force. Lilly’s solid reputation with physicians will enhance your ability to represent our rich pipeline of best-in-class, first-in-class pharmaceutical products. Our sales division supports a number of disease state and therapeutic areas. Cancer/Oncology Bone/Osteoporosis Diabetes/Endocrine Mental Health/Neuroscience Cardiovascular, Sepsis/Acute Care Erectile Dysfunction/Other Your Role As a Sales Representative, you will: • Promote Lilly products to physicians and other health care professionals • Analyze and assess product and managed care information • Conduct educational programs for physicians • Attend scheduled training for product and medical updates • Partner with other representatives to ensure a customer focused selling style • Provide timely and honest answers Sales Opportunities with Answers MeetAbb Needs Solution Meet Etha Needs Solution MeetGavi Needs Solution nd Recognition Brochure Outstanding National Sales Achievement Each year we recognize those individuals who exceeded all our expectations and led the nation in sales performance. These remarkable professionals are our #1 achievers for the year and set the pace for the rest of the nation. 2 CONGRATULATIONS TO OUR 2015 W I N N E R S #1 Sales Specialist in the Nation East (Charleston, WV) Angela Zeglin West (Des Moines) Janee Anderson & Stephanie Anderson-Jakobitz # 1 Ranked District in Nation Minneapolis District Manager Sarah Hertz-Manager District Members Janee Anderson Stephanie Anderson-Jakobitz Cindy Markley Ken Nakielski Colleen McGillis Greg McGarry Chuck Baker Lee Richards Shawna Kasner-Hannam Brandt Wade | Pharmaceutical S lilly.com/careerslilly.com/careers Creating Answers That Matter Lilly is an innovation-driven corporation committed to providing answers that help people live longer, healthier, and more active lives. And, with more than a century of experience behind our name, Lilly is prepared to tackle the questions and challenges of our changing industry. As part of our Pharmaceutical Sales team, you will help to deliver answers to some of the world’s toughest health care questions as you promote our strong portfolio of products. In doing so, you will ensure that our customers get the maximum benefits from our products. Your unique perspectives will contribute to your ongoing accomplishments as you work in a collaborative environment driven by strong communication, a passion to make a difference, and a commitment to exceeding patients’ expectations. Help carry on the traditions of excellence that started more than 130 years ago. Help us find the ANSWERS THAT MATTER®. And watch your career soar. Your Next Steps Visit lilly.com/careers for more information about Lilly and how we can impact your career with competitive benefits and professional development. To apply for a sales role at Lilly: • select an open sales position on our Job Search page • submit your resume • successfully pass the on-line pre-employment screen Eli Lilly and Company is an equal opportunity employer. Lilly’s Awards and Recognition • Business Week Top 50 Best Places to Launch Your Career™ • FORTUNE® America’s Most Admired Companies™ • Money Magazine America’s Best Company Benefits™ • Working Mother Best Companies to Work For™ • Industry Week magazine 100 Best-Managed Companies™ FORTUNE Money Magazine Working Mother Industry Week Business Week What will Answ Pharmaceutical Sales: Primary Care and Specialty Sales / Fixed-Duration Sales lilly.com/careers lilly.com/careerslilly.com/careers Creating Answers That Matter Lilly is an innovation-driven corporation committed to providing answers that help people live longer, healthier, and more active lives. And, with more than a century of experience behind our name, Lilly is prepared to tackle the questions and challenges of our changing industry. As part of our Pharmaceutical Sales team, you will help to deliver answers to some of the world’s toughest health care questions as you promote our strong portfolio of products. In doing so, you will ensure that our customers get the maximum benefits from our products. Your unique perspectives will contribute to your ongoing accomplishments as you work in a collaborative environment driven by strong communication, a passion to make a difference, and a commitment to exceeding patients’ expectations. Help carry on the traditions of excellence that started more than 130 years ago. Help us find the ANSWERS THAT MATTER® . And watch your career soar. Your Next Steps Visit lilly.com/careers for more information about Lilly and how we can impact your career with competitive benefits and professional development. To apply for a sales role at Lilly: • select an open sales position on our Job Search page • submit your resume • successfully pass the on-line pre-employment screen Eli Lilly and Company is an equal opportunity employer. Lilly’s Awards and Recognition • Business Week Top 50 Best Places to Launch Your Career™ • FORTUNE® America’s Most Admired Companies™ • Money Magazine America’s Best Company Benefits™ • Working Mother Best Companies to Work For™ • Industry Week magazine 100 Best-Managed Companies™ FORTUNE Money Magazine Working Mother Industry Week Business Week What will you find in a Sales Career at Lilly? Answers. E L I T E Lilly Oncology 2015 Reward and Recognition Brochure Outstanding National Sales Achievement Each year we recognize those individuals who exceeded all our expectations and led the nation in sales performance. These remarkable professionals are our #1 achievers for the year and set the pace for the rest of the nation. 2 CONGRATULATIONS TO OUR 2015 W I N N E R S #1 Sales Specialist in the Nation East (Charleston, WV) Angela Zeglin West (Des Moines) Janee Anderson & Stephanie Anderson-Jakobitz # 1 Ranked District in Nation Minneapolis District Manager Sarah Hertz-Manager District Members Janee Anderson Stephanie Anderson-Jakobitz Cindy Markley Ken Nakielski Colleen McGillis Greg McGarry Chuck Baker Lee Richards Shawna Kasner-Hannam Brandt Wade |