Why Lincoln Financial Group? The choice is obvious. A distinct set of avantages make Lincoln Financial Group the obvious choice for your group insurance needs: • Strong financial ratings • World-class service • Superior products • Local expertise • Competitive pricing Exceptional financial ratings Group insurance products from Lincoln Financial are underwritten by The Lincoln National Life Insurance Company and, in New York, Lincoln Life & Annuity Company of New York. Both are Lincoln Financial Group companies and rated A+ by A.M. Best Company1, AA by Standard and Poor’s2 and AA by Fitch3. By definition, these scores reflect “Superior”, “Very Strong”, and “Very Strong” financial strength respectively. These ratings are based on such things as the overall financial condition of a company, financial security characteristics, and a company’s capacity to meet financial obligations to policyholders and contract holders on a timely basis. Patented technology* delivers superior service When Lincoln Financial says, “We deliver online service in real time,” we mean it. Other carriers may accept information electronically, yet their systems don’t allow for instantaneous, enterprise-wide updates. In fact, some even process data manually. That’s not the case at Lincoln Financial. We’ve set a new standard in service excellence. Our patented system is completely integrated so information is gathered once, entered once, and processed once. As soon as the information is entered, it’s available online and administrative adjustments are made in real time. This saves time, reduces errors, and eliminates the need for billing reconciliation and adjustments. Through our secure Web site you can: Apply for group insurance coverage. Recalculate a bill after changes are made and pay the bill online. Import enrollment census data directly into the system. Submit and check status of claims. Enroll, change, or terminate members and coverage. View and print forms, reports, guidelines, contracts, and certificates. If you prefer, Lincoln Financial also employs a full staff of experienced customer service representatives to handle your calls. Thanks to our patented system, more than 90% of inquiries are handled during the first call with no transfers. For telephone self-service, an Interactive Voice Response (IVR) system is available to access claims reports and check status of enrollments, claims, monthly bills, and more. A.M. Best Company rates the overall financial condition of a company using a scale of A++ (Superior) to F (In Liquidation). Standard and Poor’s rates a company’s financial security on a scale of AAA (Extremely Strong) to CC (Extremely Weak). 3 Fitch rates the insurer’s financial strength using a scale of AAA (Exceptionally Strong) to D (Insolvent). 1 2 *U.S. Patent 7,143,051 Prompt claims processing and service In a disability or life insurance case, the insured or beneficiaries are often distracted by anxiety and financial burdens. This is why Lincoln Financial constantly works to reduce claims turnaround time and eliminate hassles. Our maximum standard turnaround time for life and STD claims (paid, pended, or denied) is four days and the maximum standard for LTD is five days. And at Lincoln Financial, we consistently outperform these standards. For dental claims, more than 50% are adjudicated within 48 hours. If a disability persists, STD claims are seamlessly transferred to LTD claims through our LINKS technology — an integrated system for disability claims management. With LINKS, both the STD and LTD claims are managed by one team of disability professionals and the STD claim automatically triggers the LTD claim review. If an LTD claim is necessary, it will then trigger the Life Waiver review six months after the date last worked. This seamless integration avoids unnecessary gaps in coverage from claim to claim. Voluntary products to enhance benefits All Lincoln Financial group insurance products are also available through our voluntary benefits program. This includes life and AD&D, STD, LTD, and dental insurance along with employee assistance programs and a vision discount plan. Our voluntary insurance program includes a proprietary enrollment system called STEPS – Simplified Total Enrollment Processing System. The STEPS system was developed exclusively for Lincoln Financial to simplify enrollment and increase voluntary participation. Each STEPS form is individualized for each employee with his or her unique benefits and payroll deduction. We make enrollment that easy. The obvious choice It’s obvious. With our track record of financial stability and industry-leading innovations, Lincoln Financial is the provider of choice for your group insurance needs. For more information about the Lincoln Financial Group portfolio of products and services, call (800) 423-2765 or visit www.LFG.com. With a track record of financial strength, a comprehensive selection of products, and industry-leading innovations for service and support, Lincoln Financial Group has emerged as the provider of choice in the group insurance marketplace. A tradition of integrity At Lincoln Financial Group, we have a heritage of helping companies find solutions to their funding and benefit needs — with the same honesty, integrity, and responsibility that you’d expect from our namesake. It’s a legacy that we proudly and respectfully continue each day. The strength of Lincoln Financial Group© affiliates We believe our continued commitment to strength and stability is indispensable to who we are and critical to your confidence in us. We are a proven industry leader in identifying and delivering sophisticated financial strategies and product solutions for the creation, protection, and utilization of capital. We are committed to assisting companies in helping their employees and their families redefine their retirement because we don’t believe retirement is an end — it’s an opportunity for everyone to start doing what they were meant for all along. ©2007 Lincoln National Corporation www.LFG.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. GLM-03580 Rev 8/07 Group insurance products are issued by The Lincoln National Life Insurance Company, which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Home Office: Syracuse, NY). Both are Lincoln Financial Group companies. Reed Group in Westminster, CO provides FMLA administrative services. Bensinger, Dupont & Associates (BDA) in Chicago, IL provides EmployeeConnect, EAP Plus, and BeneficiaryConnect services. MEDEX Assistance Corporation in Towson, MD provides TravelConnect travel assistance services. Coast To Coast Vision in Dallas, TX provides the vision discount program. Reed Group, BDA, MEDEX, and Coast To Coast Vision are not members of Lincoln Financial Group. Each independent organization is responsible for its own obligations.