http://halvorsenonrisk.com | 646-572-7300 After being disappointed with the solutions available to both Lockton and our clients, Lockton has started their own voluntary benefits practice with a unique approach to implementing communication, education and enrollment solutions to our clients and prospects. The 6 phase approach includes: 1- Understand “Understanding the client’s goals, objectives, philosophy, and culture” 2- Analyze “Analyze and assess the clients global benefit strategy” 3- Identify “Identify voluntary products to compliment and integrate with global benefit strategy” 4- Create “Create a customized education and communication process” 5- Determine “Determine enrollment process and method” 6- Educate “Educate, communicate and enroll benefit programs” As you come closer to open enrollment and renewal, give me a call to understand how Lockton has structured our voluntary benefits programs that benefit you our client the best.

1. Voluntary Benefits Practice
VOLUNTARY SOLUTIONS
L O C K T O N C O M P A N I E S

2. Ye a r s o f e x p e r i e n c e a n d e x p e r t i s e w o r k i n g t o g e t h e r w i t h y o u t o h e l p m a i n t a i n c o n t r o l o f t h e c o s t o f y o u r b e n e f i t s .
Over the past several years, increasing benefits costs have forced employers to cut back on benefits provided, raise copays, and
implement HDHPs in an effort to cost shift responsibility to their employees. To assist employees in coping with the increased
personal cost and consumer accountability, many employers are searching for solutions that can be delivered in a low cost and
high value manner. Voluntary Benefits coupled with strong employee benefit communication programs offer that solution.
The 11th Annual MetLife Study of Employee Benefits Trends indicates that:
W H Y V O L U N T A R Y B E N E F I T S N O W ?
™™ A variety of voluntary benefits doubles the
power of the program to drive loyalty.
™™ The current economic conditions provide
opportunities to increase employee options
™™ Benefits are important for attracting
employees, even in difficult economic
conditions
EMPLOYERS RECOGNIZE
™™ Continue to look to employers for
financial security through employee
benefits
™™ Believe benefits are an important
consideration when deciding their future
™™ Are frustrated and confused due to
cutbacks and Healthcare Reform
™™ 62% of employees and interested in
their employer providing a wider array of
voluntary benefits
EMPLOYEES
Understanding the
client’s goals, objectives,
philosophy, and culture
UNDERSTAND
Analyze and assess the
clients global benefit
strategy
ANALYZE
Identify voluntary
products to compliment
and integrate with global
benefit strategy
IDENTIFY
Educate, communicate and
enroll benefit programs
EDUCATE
Determine enrollment
process and method
DETERMINE
Create a customized
education and
communication process
CREATE
O U R A P P R O A C H

3. Lockton Voluntary Solutions – Voluntary Benefits Practice
H E A L T H C A R E R E F O R M
Employees will be faced with more options than ever before, and it is the employer’s job to educate each employee on his or
her options.
An effective communication and enrollment strategy allows employers the opportunity to educate all eligible employees about
the options they will have available in 2014 and beyond with no additional cost to the employer. Best practices are for the
employer to communicate what the employee’s options are if he or she declines coverage, and goes to a public exchange.
Our strategy will incorporate other benefit options to fill in the gaps in coverage such as voluntary products i.e. critical illness,
accident, life, hospital plans and disability products.
OUR SOLUTION
™™ Create a customized communication campaign which
outlines all plan options
hh Current plan options
hh MEC option
hh New 60% plan option
hh Exchange options
hh Voluntary benefit options
hh Individual mandate penalty
™™ Train enrollment teams about plan options and
communication strategy for employee outreach. The
goal is to explain all plan options, as each employee’s
needs are different.
™™ Coordinate with HR team and managers to schedule
meetings at every location.
™™ Meet face-to-face with every employee to explain all plan
options. Help them understand what will work best for
them and their families based on need and affordability.
Our approach allows your employees
to customize their benefits needs
without increasing your costs. Your
employee obtains the direct value
and security of additional benefits
at very competitive and affordable
rates while your business gains the
following benefits:
B E N E F I T S F O R T H E E M P L O Y E R
Controls the increasing cost of
benefits
Voluntary Benefits fill in the gaps for employees in their personal plan design/needs
and offers longer term financial security missing from traditional group programs.
Provides your employee with
the opportunity to customize
a comprehensive benefits plan
around your existing core
benefits
Maximizes the ROI of your
existing benefits by educating
your employees about the current
benefits and their value
Requires no change to existing
benefits plan
Strengthens the employer/
employee relationship by offering
a well rounded, competitive
benefits plan
Assists in recruitment and
retention of quality employees
Educates employees on the
best benefits options for them
and your company with regards
to Healthcare Reform

4. www.lockton.com
© 2013 Lockton, Inc. All rights reserved.
Images © 2013 Thinkstock. All rights reserved.
ROSS KRASNOW
Vice President
646.572.3905
917.848.9766 (cell)
646.871.3905 (fax)
rkrasnow@lockton.com
STEVE EISENBERG
Vice President
646.572.3965
609.610.3500 (cell)
646.871.3965 (fax)
seisenberg@lockton.com
Lockton Voluntary Solutions – Voluntary Benefits Practice
B E N E F I T S F O R T H E E M P L O Y E E S
ONSITE
ENROLLMENT
ONLINE
ENROLLMENT
CALL
CENTER
Or, a customized
combination of
all three!
A quality,
customized
benefits
solution tailored to
their individual needs
at group discount rates
Professional,
expert guidance
in selecting
benefits
Customized statements
outlining detailed benefit
coverage and cost to
enrich employee
communication
Provides financial
security to the
employee and
their family at
different
stages
of life
Helps to
clarify choices
with regards to
Healthcare Reform.