My portfolio includes print and digital design, writing/editing, branding, and integrated marketing. Software: Adobe InDesign, Illustrator, Photoshop, Acrobat.
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,
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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
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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
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806
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254
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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
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
|