12 <strong>Xpress</strong>Benef itsGroup Voluntary Insurance fromAllstate BenefitsCritical IllnessAlong with the advancements inmedical technology that can increaselife span and chances of survivingcritical illnesses, comes an increasingappreciation of the personal economicstrain people face with the diagnosisand lifestyle changes associated with acritical illness. Group Voluntary CriticalIllness Insurance from Allstate Benefitspays benefits that can be used for nonmedicalrelated, critical illness-relatedexpenses that health insurance mightnot cover. The Group Voluntary CriticalIllness benefit is in the form of alump-sum payment, which is paid tothe employee at diagnosis.• Choose from $10,000, $20,000,$30,000 or $50,000 (available withfull underwriting) in basic benefitcoverage.Category 1 Benefits include: HeartAttack, Heart Transplant, Stroke, andCoronary Artery By-Pass Surgery.Category 2 Benefits include: MajorOrgan Transplant, End Stage RenalFailure, Paralysis, and Alzheimer’sDisease.Category 3 Benefits include: InvasiveCancer and Carcinoma in Situ.Additional Benefits for U.S. <strong>Xpress</strong>employees:• Recurrence Benefit (25%) of a previouslypaid benefit in category 1 or 2.• Benefits paid directly to the employeeunless benefits are assigned tosomeone else.• Wellness Benefit of $50 based oncompletion of a qualified wellness testwhile not hospital confined.• Individual, spouse and child(ren)coverage is 50% of the BasicBenefit Amount.• The coverage is portable.• Coverage does not replace any othergroup medical benefits. Instead, it isdesigned to supplement an employee’spresent coverage.• Cancer Coverage is included.AccidentThe Group Voluntary Accident Insurancecan pay a lump sum benefit for on- andoff-the-job accidents, plus some medicalbenefits. Because accident insuranceis supplemental, it pays in addition toother coverage. The coverage can beused on its own or to fill a gap left byother coverage. The Group VoluntaryAccident coverage consists of avariety of benefits that can help coveremployees from medical expenses andhospital expenses due to an accident.The coverage pays a benefit up to aspecified amount for accidental death,dismemberment, dislocation/fracture,initial hospitalization confinement,hospitalization confinement, intensivecare, ambulance service, medicalexpenses and outpatient physician’streatment.• The coverage is portable.• Benefits will be paid directly to you,unless assigned.Universal LifeThe Group Universal Life product is aflexible premium adjustable lifeinsurance plan, designed with a focuson the death benefit amount. Premiumpayments are deducted from yourpaycheck and added to the fund valuewhich, after expense and mortalitycharges are deducted, earns interest ata rate of no less than 4% annually.• Up to $150,000 of coverage.• Guarantee Issue during initialenrollment up to $20 per week forEmployees up to the issue age of 65.• Premium rates are unisex and eithertobacco or non-tobacco; offeringemployees the opportunity to qualifyfor the coverage they need.• Portable coverage. If an employee‘semployment ends, the insured’scoverage can continue as long asrequired premiums are paid to theinsurance company.• Optional riders allow employees to tailorcoverage to help meet their specific needs.The featured optional riders for U.S. <strong>Xpress</strong>employees are Children’s Term Rider,Accidental Death Benefit, AcceleratedDeath Benefit for Terminal Illness, andTotal Disability Waiver of Premium.Critical Illness, Accident andGroup Universal Life InsurancePolicy SpecificationsPlease note: Normal pre-existing conditionsmay apply. Please refer to product certificatefor specific details.This material is valid as long asinformation remains current, but in noevent later than February 15, 2013. Thepolicies have exclusions and limitations,may have reductions of benefits atspecific ages, may not be available forsale in all states, and are limited benefitsupplemental policies. Insuranceproducts identified as such areunderwritten by American HeritageLife Insurance Company (Home Office:Jacksonville, FL). For costs and completedetails, contact your Insurance Agent, orcall 1-800-521-3535. Allstate Benefits isthe marketing name for AmericanHeritage Life Insurance Company, asubsidiary of The Allstate Corporation.POLICY COVERAGE DISCLOSURESGroup Critical Illness provided by policy form GVCIP1,or state variations thereof. The policy does not providebenefits for any other sickness or condition. The policy isnot a Medicare Supplement Policy.Group Voluntary Accident benefits provided by policyform GVAP1, or state variations thereof.Group Universal Life Insurance benefits are provided bypolicy form GUL22P, or state variations thereof: GUCTR,GUADB, GULBR, GUTIR, and GUPW.The policies and riders are underwritten by AmericanHeritage Life Insurance Company.
<strong>Xpress</strong>Benef its 13QuitPower Tobacco Cessation ProgramHave you tried quitting tobacco use before and been unsuccessful? What if quittingisn’t as hard as you think? With the QuitPower Tobacco Cessation program from All OneHealth, quitting smoking, dipping, or chewing is made easier.All employees and eligible dependent spouses are eligible to participate in QuitPower.When you enroll, QuitPower offers you a variety of support methods, including:• An 8-week supply of nicotine patches or gum (optional)• A unique and powerful CD to listen to that will help you on your journey tobetter health• A tobacco cessation health coach who specializes in helping you kick your habitIn addition to making a commitment to quitting tobacco, by completing the programas indicated below, you will receive the non-tobacco discounted medical rates and youwill receive 100 Highway to Health Points.Month 1Sign up for QuitPowerReceive materialsReceive first call from QuitPower Health coachMonth 2Receive reminder to call QuitPower coachCall QuitPower coachMonth 3Receive reminder to call QuitPower coachCall QuitPower coachMonth 4Receive reminder to call QuitPower coachCall QuitPower coachProgram is complete!!Not only can quitting tobacco add years to your life by reducing the risk for cancers, heartdisease, stroke, and other chronic conditions, but it can also save you thousands of dollarsa year! Quitting smoking for a “pack a day” smoker will save about $2500 a year in the costof cigarettes alone. Completing the QuitPower program will save you up to $1000 a year inmedical premiums, not to mention the money that can be saved on potential medical costsassociated with tobacco-related diseases. But nothing is more valuable than the improvedhealth for you and your family members.See how QuitPowerworked forNancy Sistrunk“With the tools providedthrough the QuitPowerprogram, I can honestly saythat I have successfully quitsmoking. I no longer havestrong urges to smoke, I feelbetter, and I smell better.I don’t have to look foravailable smoking areas,and I no longer worryabout how many cigarettesI have left in my pack. I amsaving money since I nolonger purchase cigarettes,plus I am saving on mymedical insurance. It feelsgreat to be able to sayI am smoke free!”