Hofman hospitality Group Voluntary Benefits

H E A LT H W E A LT H C A R E E R
MARCH 2018
V O L U N T A R Y B E N E F I T S 1 0 1 :
T A K I N G C A R E O F Y O U A N D
Y O U R F A M I L Y
H O F M A N H O S P I T A L I T Y G R O U P

2Copyright © 2018 Mercer Health & Benefits Administration LLC. All rights reserved.
T H E VA L U E O F V O L U N TA R Y B E N E F I T S T O Y O U
C U R R E N T P R O D U C T S
Pays cash directly to you after diagnosis of a
covered critical illness to use any way you choose
CRITICAL ILLNESS
ACCIDENT
Pays cash directly to you after a covered accident
occurs to use any way you choose
HOSPITAL INDEM NITY
Pays cash directly to you after a hospitalization,
injury or sickness
PET
Helps provide quality care for your pets through
group rates and discounts
LEGAL SERVICES
Provides access to expert advice from licensed
attorneys and provides document preparation
and review
W i t h H o f m a n H o s p i t a l i t y G r o u p ’ s v o l u n t a r y b e n e f i t s , y o u h a v e
e x c l u s i v e a c c e s s t o v a l u a b l e , m o n e y - s a v i n g c o v e r a g e a n d s e r v i c e s .
IDENTITY THEFT PROTECTION
Guards employees against identity and credit
theft through continuous monitoring
ONLINE DISCOUNT PROGRAM
Offers discounts to employees on everyday
benefits and services

W H AT A R E S U P P L E M E N TA L I N S U R A N C E P L A N S ?
B E N E F I T S C A N B E
U S E D T O H E L P P AY
E X P E N S E S T H AT
O T H E R I N S U R A N C E
P L A N S D O N ’ T C O V E R
P L A N S A R E N O T
D E S I G N E D T O
R E P L A C E I N S U R A N C E
Y O U A L R E A D Y H AV E —
I N S T E A D T H E Y W O R K
T O G E T H E R
E N H A N C E S Y O U R
E X I S T I N G B E N E F I T S
P A C K A G E

E X A M P L E S I T U AT I O N S T H I S
C O V E R A G E C O U L D A D D R E S S :
A C C I D E N T I N S U R A N C E S N A P S H O T
T R A N S A M E R I C A
Did you know?
One-in-five working-age Americans with health insurance would have trouble paying off their medical bills.1 That’s where
Accident coverage comes in. Accident insurance pays cash directly to you to use any way you choose so you can focus on
getting back on track instead of extra expenses.
• Income and gap
protection
• Helps cover
out-of-pocket expenses
and lost wages
• Lump-sum payment
directly to you
• You decide how to spend
the benefit
• Family coverage
available
V A L U E T O
E M P L O Y E E S
1Kaiser Family Foundation and New York Times survey, 2016
S P E C I F I C B E N E F I T S T H R O U G H T R A N S A M E R I C A :
• Pays cash benefits for covered
accidents based on the amount of
coverage listed in the schedule of
benefits
• 24-hour coverage is available
• Benefits are paid directly to you,
unless designated otherwise
PHYSICAL
THERAPY
HOSPITAL
ADMISSION
AMBULANCE
FEES
FAMILY
LODGING
LOST TIME
FROM WORK
ER
VISITS

Did you know?
Many employees are unprepared for a financial emergency like a sudden critical illness — 75% are living paycheck-to-paycheck.1
That’s where Critical Illness insurance coverage comes in. Critical Illness insurance pays cash directly to you to use any way
you choose.
C R I T I C A L I L L N E S S I N S U R A N C E S N A P S H O T
MEDICAL
EQUIPMENT
CAREGIVING
ASSISTANCE
DAILY LIVING
EXPENSES
WELLNESS
• Income and gap
protection
• Helps cover
and lost wages
directly to you
the benefit
• Family coverage
available
V A L U E T O
E M P L O Y E E S
1CareerBuilder (May 24–June 16), 2017
Medical insurance required to own coverage
• Guaranteed issue amounts of
$30,000 or $10,000 for employee
coverage
• Provides a cash benefit if you are
diagnosed with or treated for a
covered critical illness
INCOME
REPLACEMENT
TRAVEL

H O S P I TA L I N D E M N I T Y I N S U R A N C E S N A P S H O T
Did you know?
The average hospital stay is 5.5 days1 and costs more than $10,000 2 for adults. That’s where Hospital Indemnity coverage
comes in. Hospital Indemnity insurance helps you prepare for non-work-related injuries and sicknesses and help pay for
deductibles, copays, mortgages and even child care.
• Income and gap
protection
• Helps cover
and lost wages
directly to you
the benefit
• Family coverage
available
V A L U E T O
E M P L O Y E E S
• Benefits correspond for treatment
including hospitalization, emergency
treatment, intensive care, factures
and more
• No waiting period
• Coverage is portable — you can take
it with you if you change jobs or retire
AMBULANCE FEESPHYSICAL THERAPY FAMILY LODGINGPREGNANCY
¹American Hospital Association Annual Survey, 2016; ²International Federation of Health Plans, 2015 Comparative Price Report
Medical insurance required to own coverage

L E G A L S E R V I C E S S N A P S H O T
A R A G
Did you know?
People of all ages have the need for an attorney periodically throughout their lifetime, and three-out-of-four employees
experience a legal life event each year.1 That’s where Legal Services coverage comes in. A Legal Services program provides
you with direct access to expert attorneys and resources.
• Access to an attorney for
legal services, advice and
free, initial consultations
for:
̶ Real estate matters
̶ Name changes
̶ Creating a will
̶ Estate planning and
trusts
̶ Retirement planning
• Discounted rates for more
complex legal matters
V A L U E T O
E M P L O Y E E S
E X A M P L E S O F S I T U AT I O N S T H I S
S P E C I F I C B E N E F I T S T H R O U G H A R A G :
• In-office services
• Telephone advice
• Online resources
• Discounts for more complex legal
matters
• Identity theft protection
1How Legal and Financial Issues Impact Employee Wellness. Russell ResearchSM for ARAG, December 2016
GENERAL TELEPHONE
ADVICE AND
CONSULTATIONS
DOCUMENT REVIEW
AND PREPARATION
WILL AND ESTATE
PLANNING
REAL ESTATE
MATTERS
DEBT MATTERS

W H AT I S L E G A L I N S U R A N C E ?
B U Y I N G O R
S E L L I N G
A C A R
T R A F F I C
T I C K E T S
B U Y I N G
A H O M E
C R E A T I N G A
W I L L
C H I L D
C U S T O D Y
I D E N T I T Y
T H E F T
L A N D L O R D
D I S P U T E S
C O N T R A C T O R
D I S P U T E S
A D O P T I O N D I V O R C E
U P D A T I N G A
W I L L
R E T I R E M E N T
P L A N N I N G
S I N G L E F A M I L Y R E T I R I N G

H O W A R A G H E L P S
1Attorney costs calculated by multiplying the 2015 ARAG claims data by the average attorney rate in the United States of $347 per hour for attorneys with 11–15 years of experience
D E B T C O L L E C T I O N I S S U E S $2,6031 $0
N E I G H B O R D I S P U T E S $2,2561 $0
P U R C H A S I N G A H O M E $2,1691 $0
W I L L P R E P A R A T I O N $1,4751 $0
B A N K R U P T C Y $3,1231 $0
T R A F F I C T I C K E T S $1,1281 $0
C O M M O N L E G A L I S S U E S :
F E E S
W I T H O U T A R A G
F E E S
W I T H A R A G

F o r a f u l l l i s t i n g o f c o v e r a g e s p l e a s e v i s i t w w w. AR AG l e g a l c e n t e r. c o m a n d e n t e r 1 8 2 5 8 h h g
Civil Damage Claims (Defense)
• Civil damage
• Pet-related matters
Consumer Protection Issues
• Auto repair
• Buying a new or used vehicle
• Consumer fraud
• Protection for goods or services
• Home improvement issues
Criminal Matters
• Habeas corpus
• Juvenile matters
• Misdemeanor matters
Debt-Related Matters
• Bankruptcy (Chapter 7 and 13)
• Debt collection matters
Family Law
• Adoption
• Alimony (eight hours)
• Child custody (eight hours)
• Child support (eight hours)
• Divorce/annulment/separation
(15 hours)
• Guardianship/conservatorship
• Incapacity
• Name change
• Parental responsibilities
• Pre-marital agreements
• School issues
Government Benefits
• Medicare/Medicaid disputes
• Social Security disputes
• Veterans benefits disputes
• Immigration services
Landlord / Tenant Matters
• Contracts/lease agreements
• Eviction
• Security deposits
• Tenant disputes with a landlord
Preventative Legal Services
• Other coverage
(up to four hours per year)
• Identity theft protection
Real Estate Matters
• Buying/selling a home
• Building codes/zoning variances
• Foreclosure
• Home improvement/contractor issues
• Promissory notes
• Property taxes
• Refinancing
• Neighbor disputes/easements
Small Claims Court
• Small claims court issues
Tax Issues
• IRS audit protection
• IRS collection defense
• State tax audit
Traffic Matters
• Drivers license suspension, revocation
and restoration
• Traffic tickets (unlimited)
Wills and Estate Planning
• Codicil
• Complex will
• Durable/financial power of attorney
• Health care power of attorney
• Living will
• Standard will
• Living trusts
• Irrevocable trusts
UltimateAdvisor® $10.15 per paycheck
H O W A R A G H E L P S

• Access to any licensed
veterinarian in the world
• Group rates and
discounts for pet medical
expenses including:
– Surgeries
– Routine care
– Lab fees
– Treatments
V A L U E T O
E M P L O Y E E S
C O V E R E D P E T S :
B I R D SC A T S D O G S E X O T I C S
P E T S N A P S H O T
N AT I O N W I D E P E T I N S U R A N C E
Did you know?
68% of US households own a pet.1 Even pets need protection from unexpected illness and everyday costs. That’s where
Pet coverage comes in. Pet insurance helps families provide quality care to their pets, no matter the cost.
1American Pet Products Association's 2017–2018 National Pet Owners Survey
• Covers dogs, cats, avians and exotic
animals
• Covers injury, cancer, hospitalization,
treatment, and spay and neuter
• $250 deductible
• Provided in semi-monthly deductions
• Dog rates starting at:
̶ $18 for Pet Protection
̶ $31 for Pet Protection Plus
• Cat rates starting at:
̶ $11 for Pet Protection
̶ $18 for Pet Protection Plus
SPECIFIC BENEFITS THROUGH NATIONWIDE PET INSURANCE:
visit petinsurance.com/hofman
or call 877 738 7874

I D E N T I T Y T H E F T P R O T E C T I O N S N A P S H O T
I N F O A R M O R
Did you know?
Identity theft is one of the fastest growing crimes in the US, and $16 billion was stolen from more than 15 million identity theft
victims in 2016.1 That’s where Identity Theft Protection coverage comes in. Identity Theft Protection helps prevent identity
theft, and restore your identity and credit if an event occurs.
• Continuous monitoring
with actionable alerts
• Protection against
ongoing activities, not
limited to restoration of
one specific breach
• Identifies and tracks web
presence of compromised
information
• Assistance with
restoration process and
expenses
V A L U E T O
E M P L O Y E E S
P R O T E C T I O N F O R :
I N F O A R M O R S P E C I F I C B E N E F I T S :
• Identity monitoring
• Credit monitoring
• Wallet recovery assistance
• Solicitation reduction
• Social network monitoring
• Case manager assistance in
restoration
• Individual biweekly rate: $3.67
• Family biweekly rate: $6.44
1Javelin Strategy and Research, 2017
C R E D I TI D E N T I T Y B R E A C H E S

O N L I N E D I S C O U N T P R O G R A M S N A P S H O T
P E R K S P O T
Did you know?
90% of consumers use coupons, finding them from a variety of online and offline sources.1 That’s where Online Discount
Program comes in for employees. Online Discount Program provides discounts to employees on everyday benefits and
services.
• Discounts on benefits and
services from more than
5,000 US merchants
• Customized discounts
tailored to employees’
lifestyles and locations
V A L U E T O
E M P L O Y E E S
D I S C O U N T S F O R :
P E R K S P O T S P E C I F I C B E N E F I T S :
• Single destination for the delivery,
communication and management of
employee perks
• Access to local and national
merchants
• Mobile optimization
• Wellness perks including gym
memberships and
vacation savings programs
• No app is required to view it on a
tablet or smart phone
1“2K17 Valassis Coupon Intelligence Report,” 2017
S P O R T S
E V E N T S
R E S T A U R A N T S G Y M S G A M E S
visit hofmangroup.perkspot.com,
password: hofmangroup

C O N TA C T I N F O R M AT I O N
FOR MORE INFORMATION OR TO ENROLL, VIS IT
ultipro.hofmangroup.com
OR CALL
866 228 3484

This document and any recommendations, analysis, or advice provided by Mercer Health & Benefits Administration LLC (Mercer Voluntary Benefits) (collectively, the “Mercer Voluntary Benefits
Analysis”) are intended solely for the entity identified as the recipient herein (“you”). This document contains proprietary, confidential information of Mercer Voluntary Benefits and may not be
shared with any third party, including other insurance producers, without Mercer Voluntary Benefits’ prior written consent. Any statements concerning actuarial, tax, accounting, or legal matters
are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own
professional advisors. Any modeling, analytics, or projections are subject to inherent uncertainty, and the Mercer Voluntary Benefits Analysis could be materially affected if any underlying
assumptions, conditions, information, or factors are inaccurate or incomplete or should change. The information contained herein is based on sources we believe reliable, but we make no
representation or warranty as to its accuracy. Except as may be set forth in an agreement between you and Mercer Voluntary Benefits, Mercer Voluntary Benefits shall have no obligation to
update the Mercer Voluntary Benefits Analysis and shall have no liability to you or any other party with regard to the Mercer Voluntary Benefits Analysis or to any services provided by a third party
to you or Mercer Voluntary Benefits. Mercer Voluntary Benefits makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers
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Hofman hospitality Group Voluntary Benefits

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