This document provides information about voluntary benefits that can be offered to employees, including critical illness insurance, accident insurance, hospital indemnity insurance, pet insurance, and legal services. It discusses the value of these benefits and provides examples of common situations where each type of coverage could help pay expenses. Product snapshots are included for critical illness insurance, accident insurance, and hospital indemnity insurance from Transamerica, as well as for legal services from ARAG and pet insurance from Nationwide.

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HEALTH WEALTH CAREER
Mercer Health & Benefits Administration LLC
VOLUNTARY BENEFITS 101
TAKING CARE OF YOU AND YOUR
FAMILY

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THE VALUE OF VOLUNTARY BENEFITS TO YOU
CURRENT PRODUCTS
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 INDEMNITY
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
With Hofman Hospitality Group’s voluntary benefits, you have
exclusive access to valuable, money-saving coverage and services.

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WHAT ARE SUPPLEMENTAL INSURANCE PLANS?
BENEFITS CAN BE USED TO
HELP PAY EXPENSES THAT
OTHER INSURANCE PLANS
DON’T COVER
PLANS ARE NOT DESIGNED TO
REPLACE INSURANCE YOU
ALREADY HAVE —INSTEAD
THEY WORK TOGETHER
ENHANCES YOUR EXISTING
BENEFITS PACKAGE

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EXAMPLE SITUATIONS THIS
COVERAGE COULD ADDRESS:
ACCIDENT INSURANCE SNAPSHOT
TRANSAMERICA
Did you know?
One out of eight people seek medical attention for an injury — the number of injuries suffered by workers in one year both
on- and off-the-job is steadily increasing.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
VALUE TO EMPLOYEES
1National Safety Council, Injury Facts®, 2014 Edition
SPECIFIC BENEFITS THROUGH TRANSAMERICA:
• 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

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Did you know?
Many employees are unprepared for a financial emergency like a sudden critical illness — more than half (68%) 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.
CRITICAL ILLNESS INSURANCE SNAPSHOT
TRANSAMERICA
MEDICAL
EQUIPMENT
CAREGIVING
ASSISTANCE
DAILY LIVING
EXPENSES
WELLNESS
• 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
VALUE TO EMPLOYEES
EXAMPLE SITUATIONS THIS
COVERAGE COULD ADDRESS:
1Amercian Heart Association, 2013
SPECIFIC BENEFITS THROUGH TRANSAMERICA :
• Guaranteed issue amounts of $30,000 or $10,000 for employee coverage
• Benefits are paid directly to you, unless designated otherwise
• Provides a cash benefit if you are diagnosed with or treated for a covered critical
illness
INCOME
REPLACEMENT
TRAVEL

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HOSPITAL INDEMNITY INSURANCE SNAPSHOT
TRANSAMERICA
Did you know?
The average hospital stay is three days and costs nearly $10,000 for adults.1 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
out-of-pocket expenses
and lost wages
• Lump-sum payment
directly to you
• You decide how to spend
the benefit
• Family coverage
available
VALUE TO EMPLOYEES
EXAMPLE SITUATIONS THIS
COVERAGE COULD ADDRESS:
SPECIFIC BENEFITS THROUGH TRANSAMERICA :
• Benefits correspond for treatment including hospitalization, emergency treatment,
intensive care, factures and more
• No waiting period
• Benefits are paid directly to you, unless designated otherwise
• Coverage is portable — you can take it with you if you change jobs or retire
AMBULANC
E FEES
PHYSICAL
THERAPY
FAMILY
LODGING
PREGN
ANCY
1AHA, Economic Contribution of Hospitals Often Overlooked, 2013

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LEGAL SERVICES SNAPSHOT
ARAG
Did you know?
According to the American Bar Association, almost half of Americans over 18 have used a lawyer in the past five years, but
nearly 90% of Americans say they don’t have any form of legal insurance or protection.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
VALUE TO
EMPLOYEES
EXAMPLES OF SITUATIONS THIS
COVERAGE COULD ADDRESS:
SPECIFIC BENEFITS THROUGH ARAG:
• In-office services
• Telephone advice
• Online resources
• Discounts for more complex legal matters
• Identity theft protection
• Bi-Weekly (per pay period) rates: $9.37 per pay period 1The Legal Needs of American Families Report, 2013
GENERAL TELEPHONE
ADVICE AND
CONSULTATIONS
DOCUMENT REVIEW
AND PREPARATION
WILL AND ESTATE
PLANNING
REAL ESTATE
MATTERS
DEBT MATTERS

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WHAT IS LEGAL INSURANCE?
BUYING OR
SELLING
A CAR
TRAFFIC
TICKETS
BUYING
A HOME
CREATING A
WILL
CHILD CUSTODY IDENTITY THEFT
LANDLORD
DISPUTES
CONTRACTOR
DISPUTES
ADOPTION DIVORCE
UPDATING A
WILL
RETIREMENT
PLANNING
SINGLE FAMILY RETIRING

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HOW ARAG HELPS
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
DEBT COLLECTION ISSUES $2,6031 $0
NEIGHBOR DISPUTES $2,2561 $0
PURCHASING A HOME $2,1691 $0
WILL PREPARATION $1,4751 $0
BANKRUPTCY $3,1231 $0
TRAFFIC TICKETS $1,1281 $0
COMMON LEGAL ISSUES:
FEES
WITHOUT ARAG
FEES
WITH ARAG

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For a full listing of coverages please visit www.ARAGlegalcenter.com and enter 18258hhg
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
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® $9.37 bi-weekly
HOW ARAG HELPS
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

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• Access to any licensed
veterinarian in the world
• Group rates and
discounts for pet medical
expenses including:
– Surgeries
– Routine care
– Lab fees
– Treatments
VALUE TO
EMPLOYEES
COVERED PETS:
BIRDSCATS DOGS EXOTICS
PET SNAPSHOT
NATIONWIDE PET INSURANCE
Did you know?
65% 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.
1National Pet Owners Survey, American Pet Products Association, 2015
• Covers dogs, cats, avians and exotic animals
• Access to any licensed veterinarian in the world
• Covers injury, cancer, hospitalization, treatment, and spay and neuter
• $250 deductible
• Provided in semi-monthly deductions
• Bi-Weekly rates starting at:
• $16.62 for Pet Protection
• $28.62 for Pet Protection Plus
SPECIFIC BENEFITS THROUGH NATIONWIDE PET INSURANCE:

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