The document summarizes voluntary benefits that can be offered as part of an employee benefits package, including accident, cancer/critical illness, disability, hospital confinement, life, and limited medical insurance. It provides an overview of each type of coverage and how they can help employers provide protection to employees affordably. It also introduces the agency, MCM Agency, that can assist companies with selecting and administering a voluntary benefits program.

1. Benefits Proposal For Voluntary Benefits

2. The customer is at the center of everything we do. We have built and maintained our client satisfaction With over 50 years of experience in handling insurance we understand the markets and help our clients make informed decisions based on their particular needs. We cover all lines of insurance, from Property and Casualty to Group Benefits. MCM agency provides our clients with one stop shopping The landscape of insurance is constantly changing. At MCM agency we are leaders in understanding these changes and educating our clients to be informed consumers. Why MCM Agency?

3. Candace Cohen, President- Principal Ms. Cohen is a New York State licensed instructor in the insurance field. She has worked with some of the largest medical groups in the Tri-State area. Ms. Cohen has extensive knowledge of state regulations. She is a continuing education instructor of life, health, property and casualty insurance. Ms. Cohen is also a key advisor to various non-profit organizations. Maxine Casalbore, Vice President- Principal Ms. Casalbore is an expert of State Insurance law and has had long standing relationships with state insurance regulators. Her Client list includes both for profit and not-for-profit organizations. Ms. Casalbore has been helping both individuals and businesses meet their insurance needs for more then 30 years. Marc Altneu, Vice President of Benefits Mr. Altneu is a benefits insurance consultant with broad experience in all aspects of health, disability and ancillary benefits. Mr. Altneu has direct experience with non-profit organizations as well as small business ventures. He has almost 20 years of experience in handling benefits for employers. Who is MCM Agency?

4. Review Benefits Health, Dental, Vision, Life, LTD, STD, Long Term Care and voluntary benefits HR Administration Property and Casualty review Online portal for insurance programs Wellness programs Health Reform Review Financial Advising Benchmark analysis Services Offered

5. The recession forced many companies to shift into cost-cutting mode in order to survive. However, with the economy showing some signs of recovery, companies are now moving forward with cautious optimism. As they look ahead to the next five years, employers understand the ongoing need to attract and retain the best and brightest employees. And they know a competitive benefits package is critical to their success. Voluntary Benefits have become an integral and growing component of today's benefits packages, and with good reason. Employers have learned that employee-paid supplemental insurance can help them survive and thrive within an ever-changing benefits landscape. But with the recessions impact still lingering, workforce demographics continually shifting, and health care reform now a reality, the question becomes: What role will employee benefits- and voluntary benefits in particular- play in the next five years? Why Voluntary Benefits?

6. Accident There is no way to control the rising costs of health care. But there are ways to work around them. When you’re planning your employee benefits package, don’t settle for less. You can still help provide your employees the security they need and deserve by adding accident insurance. Renewable accident insurance provides lump-sum indemnity benefits for accidents. Employees can choose coverage for on- and off-the-job or off-the-job-only accidents. Employees have a choice of family coverage or stand-alone coverage for themselves, their spouse or dependent children. Features include the same benefits for employee, spouse and dependent children, worldwide coverage and portability. Optional riders, such as disability income, are available at an additional cost for the employee or spouse. An advantage of the disability income rider is that it can cover a spouse who may not have disability coverage through an employer.

7. Cancer & Critical Illness Individual Cancer Insurance pays lump-sum benefits that can help employees pay out-of-pocket expenses resulting from cancer treatment. Just as importantly, this product also pays an annual cancer-screening tests/wellness benefit to encourage employees to have regular screenings, improving their chance of survival if they do develop cancer. And you can select from several levels and plan options to help meet the needs of a diverse employee base. Round out your employees' benefits package with individual Critical Illness Insurance plans that complement major medical coverage by helping employees pay the direct and indirect costs associated with a specified critical illness. An annual health screening benefit is also available with this product. This Critical Illness product does not require the insured to survive a designated period prior to paying the lump-sum benefits. Cancer and Critical Illness products offer the inherent advantages of individual products on a group platform. So you have the underwriting and pricing advantages of a group product combined with the benefits flexibility, published rates and limited portability of an individual product, all available at guaranteed issue as long as certain requirements are met.

8. Disability Your employees depend on their income to pay for housing, food, clothing, their children's education – all the necessities of life. For most employees, a disability means not only difficulty meeting these financial obligations but also increased out-of-pocket medical costs. We can offer a variety of affordable employee-paid disability income options to meet your company's and your employees' needs. Every employer knows that employee absences cost money. An absence management strategy can substantially reduce those costs, and an important component of effective absence management is the income protection you offer your valued employees. As a concerned employer, you want to offer the protection your employees need without hurting your bottom line. With personal disability insurance options, you can manage employee absence while offering the security they need in the event of a disability. For your employees who purchase an accident insurance policy, disability income riders are available for accident or accident/sickness disability at an additional cost. Benefits are similar to individual short-term disability policy but with lower benefit amounts, duration periods and premiums

9. Hospital Confinement Indemnity Health insurance costs are rising. Your premiums are rising. And unfortunately when it comes to their health insurance, you now must offer your employees options that usually provide less value for the money. Employers need an affordable solution to protect employees, stay competitive in attracting and retaining quality workers, and remain profitable. Employees need more benefits choices than ever before. Hospital Confinement Indemnity products can provide your employees the benefits they need without hurting your organization's bottom line. And if you have or are considering a Health Savings Account (HSA) there are plans that are HSA-compliant which can help you and your employees stretch benefit dollars, at no direct cost to you. You can't stop medical costs from rising. You can't prevent gaps in coverage from occurring. You can help employees manage those costs and cover those gaps by providing them with additional protection to help them in the areas where they need it the most.

10. Life Your employees count on you for most of their benefits – including life insurance. In fact, the workplace is now the primary way people obtain and/or purchase life insurance. With today’s underinsurance gap and the number of baby-boomers approaching retirement age, employers need solutions for an age-diverse employee population. But adding employer-paid coverage may not be the answer. Employees need personal life insurance coverage. Colonial Life’s personal life insurance products offer an easy answer for you and your employees to help fill the life insurance gap. Colonial Life offers a variety of employee-paid voluntary cash value life and term life insurance products through the convenience of payroll deduction. And unlike traditional group coverage, employees can take this coverage with them if their employment changes. Help your employees bridge the gap with Colonial Life’s voluntary life insurance portfolio, where you can help your employees get the financial protection they need for their stage in life without hurting your organization’s bottom line.

11. Limited Benefit Medical Plan Limited benefit medical plans can help you provide your employees and their families with the means to access needed health care services. This product provides limited benefits to help cover services such as doctor visits, preventive care, pharmacy, hospital confinement and surgery. Your employees can enjoy the security of knowing they have some level of coverage to obtain the care they need from the providers they choose.

12. Questions? Next Steps?