Aleksandr Jogerst

Employee Benefits Consultant

Employee Benefits Product and Services Portfolio Phone

Cell
847-517-9465
224-246-2911
10 N. Martingale Rd.
Suite 540
aleks.jogerst@standard.com Schaumburg, IL 60173

Life/AD&D Long Term Disability
• Family Benefits Package • Own Occupation to SSNRA
- Career Adjustment Benefit • Specialty Own Occ and Work Transition
- Child Care Benefit Benefit available for physicians and attorneys
- Higher Education Benefit • Partial Disability with zero-day residual
• Repatriation Benefit • EIP Benefit payable to employer
• Conversion • Reasonable Accommodation Benefit
• Portability (up to $25,000)
• Enhanced LTD
• Automated filing of Life Waiver with
in-force LTD • Medical Expense Benefit
• Accelerated Benefit • Annuity Contribution Benefit
• Assisted Living Benefit
• Lifetime Security Benefit
Accident Critical Illness3
• Three plan designs available • Three plan designs available
- Select, Enhanced, Premier - Select, Enhanced, Premier
• 24-hour or non-occupational coverage • Unisex, tobacco-distinct issue age rates
• Guarantee Issue available
• Composite rates
• Dependent children automatically covered at
• No health questions
25% of employee amount
• No termination age • Coverage for up to 20 Critical Illnesses;
• Youth Organized Sports Benefit pays an additional 21 childhood diseases covered
additional 25% of total benefits paid • No policy lifetime maximum
• Portability included
• Line of Duty Benefit
• Optional benefits selected at the
• Portability included
employer level
• Optional benefits selected at the employer level
- Recurrence Benefit
- Health Maintenance Screening Benefit
- Health Maintenance Screening Benefit
- Automobile Accident Benefit - Lodging Benefit
- Transportation Benefit
Dental Vision5
• Maximum Benefit increases available (Max Builder) • VSP Network available
• Increased benefits available for Vision, Orthodontia - Balanced Care Vision ISM
and LASIK AssistSM (Max Builder Flex)4 • EyeMed Network available
• Teeth whitening available - Balanced Care Vision IISM
• Census takeovers • Alternative low-cost plan option
• Passive PPO available - Balanced Care Vision IIISM
• Flexibility with procedure placements4 • Variety of plan designs and networks
• COBRA administration4 • Dual Choice plan for 20-1,000 eligible employees
• Electronic claims filing • Triple Choice plan for 20-1,000 eligible
• National provider network employees
• Max Keeper available • PolicyLink Dental + Vision4
• PolicyLink Dental + Vision (not available in WA)4
• Hybrid Dental CareSM (not available in NM or WA)
Short Term Disability1
• Partial disability covered with
zero-day residual
• Own Job definition of disability
• No pre-existing condition exclusion on a
maximum benefit of $2,500/week or less
• FICA tax reporting and payment available
• Single claim filing for STD, LTD and Life
Waiver of Premium
• Reports Online
• Reasonable Accommodation Benefit
Hospital Indemnity
• Flexible Benefits to create a plan compatible
with a Health Savings Account
• Four plan designs available
- HSA, Select, Enhanced, Premier
• Portability included
• Waiver of Premium included
• Optional benefits selected at the
employer level
- Health Maintenance Screening Benefit
- Mental Health/Substance Abuse Benefit*
- Outpatient Surgery Benefit*
- Private Nurse Benefit*
*Not available on an HSA plan.
AgilitySM
Easy online benefits from The Standard
• Small case offering
• Good, Better, Best plan options
- Life, LTD, STD, Dental & Vision
• All Guarantee Issue6
• All online — payment, documents, enrollment
and administration
GI Individual Disability Insurance2
• Fully portable
• Integrated claims
• Total and Presumptive Disability Benefit
• Partial Disability Benefit with Initial and
Extended Benefit Period
• Recovery and Rehabilitation Benefits
• Premium Waiver Benefit
• Optional Riders/Limitations at
Case Level including:
- Catastrophic Disability Benefit
- Noncancelable Policy
- Specialty Own Occupation for Law
and Medicine
- 3% Indexed cost of living
- 24-month Mental Disorder Substance
Abuse Limitation
Product availability and features may vary by state.
Policies have exclusions, limitations, reductions of
benefits and terms under which the policy may be
continued in force or discontinued. For costs and
complete details of the coverage, please contact your
Employee Benefits Sales and Service Office.
For producer use only and not for use
with consumers. See reverse page for
product numbers and disclosures.
Standard Insurance Company
1100 SW Sixth Avenue
Portland OR 97204
www.standard.com
Value-Added Services
Travel Assistance7
Included with all Life plans with 10 or more lives
• Emergency medical evacuation and
repatriation services
• Medical and legal referrals while travelling
• Online pre-trip planning resources
• Available 24/7/365 when 100+ miles from
home
Life Services Toolkit7
Included with all Life plans with 10 or more lives
• For Beneficiaries
- Face-to-face counseling sessions for grief
- Financial counseling and legal assistance
• For Employees
- Online will preparation
- Identity theft and wellness information online
Health Advocacy Solution8
Available with LTD, STD and Life plans with
10 or more lives
• Provides Personal Health Advocates to
employees and entire covered families to
assist with
- Coordinating care
- Locating doctors
- Clarifying billing statements
- Assisting with claim issues
• Helps to ease burden on Human Resources
• Identifies actionable “gaps in care” for health
coaching and other opportunities to improve
outcomes
Employee Assistance Program9
Included with Long Term Disability with 10-
2,499 lives
• Short-term problem resolution (counseling)
• Legal and financial services
• ID theft consultation
• Online will preparation
• Work-life services
• Management consultation services for human
resource issues or mandatory EAP referrals
for employees
• 10 hours of onsite critical incident stress
management services at no additional cost

Workplace Possibilities Absence Management Benefit Contribution Deduction

Included with both Long Term and Short Term
Disability plans with 10 or more lives
• Stay at Work and Return to Work services
help employees and employers with absence
and disability-related challenges
• Available both onsite and on call
• Onsite model, available to groups with
1000 or more lives, provides a designated
Workplace Possibilities Consultant who
works directly with employers as an
extension of their HR team
Available with Short Term Disability and Long
Term Disability (with short elimination periods)
plans with 500 or more lives
• Single point of web or phone intake for
disability, FML and other leave types
• In-house leave-management process
•C  oordinated leave and claim management
•P  rompt employee-absence notification
• Provide regulation and best practice updates
• Robust, real-time reporting
Available with both Short Term and Long Term
Disability with 10 or more lives
• Withholds up to 18 employee deductions
from employee benefit checks
• Helps reduce payroll administration burdens
•R  equires pre-authorization from claimant

Voluntary plans available only for groups of 10+ employees. Voluntary Dental plan is available for the greater
of 10 employees or 20 percent of eligible employees.
1 ASO, ATP and Select Claim are available for groups 250 lives and over.
2 GI Individual Disability Insurance is available in all states except VT where Protector+ is available.
Employer-paid GI is available down to five lives. Voluntary GI requires a minimum of 50 lives or
30 percent participation.
3 In the state of VT the Critical Illness is known as Specified Disease.
4 Not available for Standard Select Dental.
5 For groups of less than 10 lives, only available as an add-on to a Dental plan.
6 The LTD policy will include a pre-existing condition exclusion.
7 Travel Assistance and the Life Services Toolkit are provided through an arrangement with service
providers, which are not affiliated with The Standard. Travel Assistance is not an insurance product,
except in OR.
8 Health Advocacy services are provided through an arrangement with Health AdvocateTM, a leading health
assistance and support company. Health Advocate is not affiliated with The Standard or with any insurance
or third-party provider. Health Advocate does not replace health insurance coverage, provide medical care
or recommend treatment. The Health Advocacy service is not an insurance product.
9 Included for groups with 10–2,499 employees. The EAP is not an insurance product. EAP is offered
through an arrangement with a service provider not affiliated with The Standard.
GP190-LTD/S399, GP190-LTD/TRUST/S399, GP190-LTD/ ASSOC/S399, GP209-LTD, GP399-LTD/TRUST,
GP491- LTD/TRUST/S399, GP608-LTD, GP899-LTD, B152, B170, GP190-STD/S399, GP209-STD, GP309-
STD, GP399 STD, GP399-STD/ASSOC, GP399-STD/TRUST, GP899-STD, GDC 488-MET, GDP 488-MET, GP
488 MET, GP190-LIFE/S399, GP190-LIFE/ASSOC/S399, GP190-LIFE/TRUST/S399, GP190-LIFE/A997/S399,
GP899-LIFE, GP411-LIFE, GP 310-ADD, GP494-ADD/S399, GP609-ADD, 9000Ed. 03-08, 9000-TRUST Ed.
01-05, B152, B170GI, GP0614-ACC, GP0614-CI, GP0614-CIw/GC0614-CI, GP0614-HI

EB Product Portfolio Matrix

SI 16503 (11/16)