IFS-A094654 Ed. 7/2004 The Prudential Insurance Company of America

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IFS-A094654 Ed. 7/2004 9.04-2.5M

Many causes, one result.

Illness. Injury. Family emergency. On-

the-job accidents. Absences happen for a

variety of reasons, but the impact on your

business is the same—lost productivity

and its related costs.

Now, you can more effectively manage all

kinds of absences with one seamless

program—Prudential IDM, Disability and

Absence Management Solutions.

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One solution.

Running your business gets more expensiveevery year. Health care insurance premiums continue to increase. Workers’ compensation andFamily Medical Leave Act (FMLA) administrationconsumes valuable time and resources. And the"invisible" costs of absences—including overtimepay, replacement workers, overstaffing, etc.—continue to sap productivity.

One flexible plan.

Prudential IDM helps eliminate the inconvenienceand expense of dealing with multiple carriers andadministrators. We work with you throughout theentire process, so claim management activitiesare better organized and more effective.

Prudential IDM is also designed to give you moreflexibility. It’s a menu of options, not a bundledproduct, and you decide what features will beimplemented and when. Do it all at once, orphase in various components over time—it’s your choice.

Begin with Prudential’s Integrated Short and LongTerm Disability Insurance, then add workers’ compensation claim administration, FMLAabsence reporting services, and data integrationservices. Or, choose full service from day one.Whatever features you select, you can rely onPrudential IDM for a plan that fits your needs.

One experienced team.

Prudential’s agreements with other industry-leadingdisability management providers give you accessto a powerful array of services and systems. Weoffer a web-ready absence intake system that canbe fully customized and integrated into yourInternet or Intranet site. The system also supportsInteractive Voice Response (IVR), which letsemployees call toll free to report absences by following an easy series of prompts.

You can link the absence intake system to othersystems, such as human resources and payroll. Itcompares your employees’ IVR or web responseswith eligibility requirements for disability coverage,FMLA, and other absence-related benefits. Toensure compliance with state workers’ compensation and managed care regulations, theintake process assigns all workers’ compensationclaims to the appropriate regional claim office. Andit produces reports and automatically generatesFMLA notices and forms for eligible employees.

Prudential IDM combines a full-service disabilityplan, workers’ compensation claim administration,FMLA administration, and Total AbsenceManagement (TAM) into one cohesive program. Additionally, it’s backed by our extensivedisability claim management experience and state-of-the-art information technology. Now is thetime to step up to Prudential IDM—your singlesolution for better cost containment and greateradministrative efficiency.

CHOOSE YOUR LEVEL OF SERVICE

Depending on your needs, you can implement Prudential IDM one component at a time or in larger increments.

One source of information.

Prudential IDM tracks both occupational and non-occupational absences, giving you a fullerpicture of your total absence and disability costs.You can get complete details about each IDMcomponent, and, with our flexible reporting capabilities, you get just the information youneed—when you need it. Choose from a varietyof standard reports or create your own customreports to get specific data. For maximum convenience, use the online scheduler to tell uswhich reports you want and when you want them.We’ll deliver them right to your e-mail inbox.

Prudential IDM gives you better access to information—information you can use to helpdevelop effective absence management plansthat save money and increase productivity.

One disability product.

Prudential IDM includes our Integrated Short andLong Term Disability Insurance. Our concisequestion-and-answer contract clearly explainswhen benefits will be paid. This helps to reduceambiguities that add to claim risk, complicateplan administration, and increase costs.

We help employees by providing the benefits theyneed when they need them most. In addition toregular Short and Long Term Disability payments,optional benefits like the Day Care Benefit, Spouseand Elder Care Benefit, and Continued Health CareContribution Benefit help disabled employeesmeet financial and family obligations. And theEmployee Catastrophic Disability Benefit helpsyour most severely disabled employees with anextra payment, which is not reduced by othersources of income.*

Our group disability coverages are flexible and canbe customized to fit your business. You decidewhen benefits begin, who’s eligible for coverage,and how costs are split. Whatever the plan design,we’ll help support your employees so they canheal and return to work.

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One unifying technology.

Choose the IDM plan backed by a technologyleader. Prudential, in conjunction with our carefullyselected service providers, offers premier disability management technology and innovativeinformation systems.

One data manager.

Prudential IDM is supported by proprietary claimmanagement and administration systems. Whileeach system is designed to handle a different

type of claim, they work together to exchangevital information and coordinate activity. Thisstreamlines workflows, helps identify criticalintervention points, maximizes return-to-workplanning, and supports consolidated reporting.

Our data integration services allow separate systems to work together and share information,uniting them into a single IDM environment. Theresult? Enhanced data flow and reporting capabilities.

Once a claim is submitted, status updates and cus-tomer service support are available 24/7. For moredetailed information, claim center representativeswill refer callers to the specialist or claim expertwho can best answer their questions. If therequest needs additional research, representativeswill follow up within one business day.

ONE CLAIM MANAGEMENT PROCESS

Your disability, workers’ compensation, and FMLA claims are managed through a single point of access and closely linkedsystems, resulting in better integration of services and greater flexibility in reporting.

INFORMATION INTEGRATION

Prudential IDM brings together information from all sources, giving you a more complete picture of your absence anddisability costs.

One point of access.

Because absences can occur at any time, our integrated reporting center operates around theclock. Specially trained representatives are readyto help at any time, day or night.

You and your employees will appreciate the convenience of a single contact. With one call, youcan report routine claims, and your employees canreport absences of any type. When employeescall, their absence information is automaticallyscreened for disability, workers’ compensation,and FMLA benefit eligibility.

Absence InformationDisability Information

Applicability InformationPayroll Information

HR Information

Disability ClaimManagement

Disability MedicalManagement

Intake & Customer Service

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WC Administration

The exchange of information also enhances claimadministration. Each person involved in the claim,such as the case management nurse or claimmanager, has access to pertinent information,resulting in better coordination of benefits andmore consistent return-to-work planning.

One data warehouse.

Prudential IDM combines absence informationfrom various systems into a data warehouse. Youget access to complete information about everyclaim, regardless of type, and greater flexibility inreporting. Prudential IDM reports give you theinformation you need, when you need it.

One update.

When claim information is updated in one system, the changes flow to all other systems. This helps reduce multiple requestsfor the same information and eliminates possible re-keying errors.

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Build on The Rock®.

Make the move to Prudential IDM, the integrateddisability and absence management program thatgives you the knowledge you need to cut costs andincrease productivity.

With innovative products and leading-edge technology, Prudential IDM can help you makethe most of your workforce. Contact your brokeror Prudential group insurance sales representativetoday to find out how you can add PrudentialIDM to your employee benefits plan.

www.prudential.com/gi

* Not all provisions are applicable to Short Term Disability plans. Not all provisions are available in all states. Actual contract language may vary depending on state requirements and the plan benefits chosen.

Prudential IDM is a service program offered by The Prudential Insurance Company of America. Absence management servicesare provided by GatesMcDonald. In the event that a client wishes to use another third party vendor, Prudential will work to accommodate this request. Any insured group Short Term or Long Term Disability products, which may be subject to Prudential’sIDM program, will be issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102. Thisbrochure is intended to be a summary of benefits and does not include all policy provisions, exclusions, and limitations. ABooklet-Certificate, with complete information, including limitations and exclusions, will be provided. If there is a discrepancybetween this document and the Booklet-Certificate issued by Prudential, the terms of the Booklet-Certificate will govern.Contract Series: 83500

This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department.

North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guideto Health Insurance for People with Medicare, which is available from the company.

The Prudential Insurance Company of America does not underwrite commercial workers’ compensation plans. Some servicesmay be provided directly to the customer pursuant to a separate agreement with GatesMcDonald or another third party vendor.