Member Benefits Program - Small Business United · Managed by ETMG, LLC License #1544170 Member...

License #1544170

Administered by:

Member Benefits Program

Managed by ETMG, LLC License #1544170


Table of Contents

Contact Information

877-SBUA-USAwww.SBUA.org

P: 512.279.4700 F: 512.279.47206300 Bridgepoint Pkwy.Building One, Suite 480Austin, Texas 78730

Member Benefits 3

Testimonials 6

About ETMG, LLC 7

HealthAssure Plans 8

Dental Benefits 10

Life & Disability Insurance 12

Vision Benefits 16



Member Benefits

Discount Printer/Copier Parts and Supplies

Members of SBU know that the daily cost of running a business can be steep, but they are also aware that because of their membership in SBU, they have access to thousands of normally pricey products at a discounted rate. SBU has partnered with one of the nation’s largest suppliers of office machine parts and consumables to bring its members excellent discounts on ink & toner for nearly every office printing and copy machine made by every major manufacturer—and then some. SBU exists to facilitate the business of small business, so we will even handle the supply ordering process. Our members only have to make one phone call, and we will take care of the rest.

SBU offers 20%-40% off the list price for toner and inkjet supplies, and we stock materials for these manufacturers and more:

In the spirit of meeting all the needs of small businesses, SBU has partnered with OfficeMax to offer members-only deep discounts and access to over 12,000 products through the Instant Purchasing Account (IPA). Your IPA provides savings on office supplies, technology, furniture and more. Tap into the OfficeMax Partner Advantage Program with your SBUA login and password, and watch the savings mount up!

• All orders are taxed• No order charge for purchases over $50 • Orders can be shipped to a residence

The IPA online features require a credit or debit card for payment of the order and the address information for the shipment of the order.

OfficeMax

Not only can SBU save you money on your purchasing cost, but orders over $75 receive free UPS Ground shipping. Call 877-SBUA-USA (877-728-2872) to order!

AB DickApple ComputerBrotherCanonCitizenCompaqCopystarDanka InfotecDanka Office Imaging KodakDellDexDigital Equipment CorporationDuploEpson

Francotyp-PostaliaFujitsuGenicomGestetnerGraphic EnterprisesHaslerHitachiHPIBMIkonImagistics (Pitney Bowes)JetfaxKodakKonica Minolta

Kyocera Mita LanierLexmarkMonroeMuratecNashuatecNECNeopostOceOkidataOlympiaOmnifaxOutput TechnologiesPanasonic Rex Rotary

RicohRisoRoyal CopystarSamsungSanyoSavinSharp Standard DuplicatingTeco Information SystemTektronixToshibaXerox

SMALL BUSINESS UNITEDASSOCIATION

MEMBER DISCOUNT CARD8888-001-0560-0022-07

3



SBU’s HRAnswerLink provides an outsourced Human Resource (HR) service delivered via a customized website and email and phone communications. This service includes HR content developed specifically for small to mid-sized businesses. SBU’s HRAnswerLink also employs a qualified, competent HR management and consulting staff responding to clients’ HR-specific questions and concerns.

SBU’s HR Support Center makes it easy to find and understand the state and federal laws that pertain to your daily business operations. Members who elect this service will also have access to an extensive and customizable employee handbook, forms, policies, and letters that would require an HR department of uncommon skill to create. If you choose, you can upgrade your account to HR On-Demand and have a team of HR professionals at your fingertips for expert advice by telephone or email.

SBU’s HRAnswerLink is available at $9.95 per month for access to your own custom branded (with your logo) HR Support Center through the Internet. If you choose, you may upgrade to the HR On-Demand option (unlimited HR consultations and unlimited HR document customization) for an additional $34.95 monthly fee.

HRAnswerLink

Trusted Expertise

Connect with Human Resources professionals with years of experience providing the content and insight you need to succeed.

Online Solution

Available whenever the need arises. Access the online HR Support Center 24 hours a day, 7 days a week from anywhere.

Upgrade to HR On-Demand

For an additional $34.95 monthly fee you can virtually outsource your entire HR department. Receive UNLIMITED HR consultations over the phone or email/Internet. Get expert answers to your employee relationship, new hire, or separation questions, unlimited customization of job descriptions, employee handbook, forms, letters and more!

Background Checks, Health and Safety Training, Business Training, Labor Law Posters, Salary Reports, and more!

4



Small Business United gives its members access to a legal plan that helps alleviate day-to-day financial pressure by providing them with access to a nationwide network of pre-qualified attorneys offering free or discounted legal care. When you subscribe to the Small Business Legal Plan as an SBU member, you and your dependents will have access to plan attorneys who will provide you with the following services:

• Unlimited initial phone consultations during business hours for new legal matters.• Attorney will review as many as 5 independent documents each month. These include business

documents, contracts, signed or unsigned, up to 10 pages each.• Initial calls made on behalf of your business by your plan attorney (two per month). Follow up calls are

made at the deeply discounted hourly rate of $125.• Initial letters written on behalf of your business. Three per month for new subjects; follow up letters are

written at the hourly rate of $125.• Initial collection letters are limited to 10 per month. More than 10, and any follow-up letters are written at

the discounted hourly rate or at the contingency fee percentage, depending upon what you and your plan attorney decide.

• One-on-one consultations for each new legal matter. Thirty minute time limit per subject matter. Time over the 30 minutes per subject will be at the hourly rate of $125.

• Registered Agent for your business in the state in which you are incorporated as well as other states where you do business.

Guaranteed Low Hourly Rates - Plan attorneys have contracted to charge $125.00 per hour, or to give members a 40% discount off their usual and customary hourly rate, whichever is greater, for legal care beyond what is listed above. This is a tremendous savings when compared to the national average of $284 charged per hour by non-plan attorneys. In most cases, the attorneys will be able to estimate the amount of hours any given case may consume prior to beginning work on the case.

Retainers - In the case of extended legal care, plan attorneys may ask you for a retainer. Any retainer sought will be computed by multiplying the number of hours a plan attorney believes a case will take, by the appropriate discounted hourly plan rate. For instance, 10 hours x $125.00 = a retainer of $1,250.00. Any unused portion of the retainer will be returned to the member.

Contingency Fee Discounts - Attorneys often work on a contingency fee basis on such cases as personal injury and collections. This fee is usually expressed as a percentage of the amount collected or awarded. In collection matters, your attorney will accept 18% if the case is settled before formal court proceedings begin. After proceedings begin, the fee is 27%. On all other contingency matters there is a 10% discount on the lower of either the state maximum or the attorney’s standard rate.

The Small Business Legal Plan Membership is only $24.95 per month. Call SBU at 877-SBUA-USA If you are already a member of SBU, log in to your account and join the plan online now!

Legal Plan

Attorney-Provided Services

Additional Member Benefits

5



Client Testimonials

Testimonials

“ETMG is always available and willing to help on insurance issues as they come up. Not only did they put together various options for coverage that would cover almost all needs of our individual employees, but they take care of all the details when a new member comes on or an employee leaves. We don’t have the expertise they have, so it is comforting to have that support there when you need it.”

-Brian PlaterVP Finance and Business Operations

Fifth Generation, Inc.

“I cannot tell you how much your help meant… We are working on re-launching a 300+ agent office as Keller Williams Realty, and health benefits was a real turning point in many of the associates’ decisions to join the brokerage. I appreciate your willingness to give me your office number, cell phone number and even letting me know when you were leaving the office for the evening. You rock. What you do makes a huge difference for our people, and we are so grateful.”

-Ellen M. MarksDirector of Marketing & Communications

Keller Williams Realty International

“Let’s get real honest. Insurance in general is a painful topic. It’s difficult to understand and navigate, is constantly changing, often contradicts itself and of course costs squeamish amounts of money. Many businesses wake up one day to realize not only are they throwing profit out the window, but they’re even doing that part all wrong. That was us until we partnered up with ETMG. When we went to market looking for a whole new look to our benefits package ETMG was among 5 groups we met with. They were the only management group that offered real solutions for a non-traditional group like Technology Navigators. They provide us with great service and even better products. We have more employees now with the security of having insurance than ever AND get this, it costs less! If that’s not enough of a reason to give them a call, I don’t know what is. ETMG takes the pain of out of Insurance and we’re happy to be a client.”

-Jamie BihlTechnology Navigators

6



The Executive Team

About ETMG, LLC

TOM NEWBY President, co-founderSales and Product Development. Awarded Forbes Magazine Top 10 Health Insurance Brokerages (out of of 25,000) two consecutive years with his previous successful brokerage Global Benefit Solutions.

JOHN CONSTANTINE Vice Chairman & co-founderCorporate Governance, strategic direction, and Investor Relations. Successful Entrepreneur and managing partner of several Texas Surgical Centers. Mr. John Constantine has over 20 years experience in the healthcare field, including business management, investments, marketing and public relations.

JEFF BURNS Chief Operating OfficerOngoing leadership and implementation of the companies’ strategic business plan, including infrastructure development, operations, management, and optimization of technical and administrative processes. Previous Co-founder of a $40M Austin-based technology start-up with over 20 years experience in technology and management.

OLIVER SANDLIN Corporate Legal CounselETMG Corporate governance, licensing, and regulatory compliance. Principal Sandlin Law Firm, Austin, Texas.

7

License #1544170

Administered by:


HealthAssure Plans

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License #1544170

Administered by:


Dental BenefitsFully insured through Ameritas



Ameritas Group Dental

Rates are guaranteed for 12 months following the effective association launch date and include Orthodontia if part of plan design.Rates include ID cards mailed to members home address.PLEASE NOTE: Rates assume enrollment in our electronic certificate (eCert) programContact your benefits administrator for details regarding these states.

COINSURANCE BASE PLAN BUY-UP PLAN

Type 1: 100% 100%

Type 2: 80% 80%

Type 3: 50% 50%

DEDUCTIBLE $75 per cal yr - Waived Type 1 (No Family Maximum)

MAXIMUM PER PERSON $1,000 per cal yr $2,000 per cal yr

PPO www.ameritasgroup.com/resources/419.asp

ALLOWANCE Type 1, 2, & 3 : 80th % of Usual and Customary

DENTAL REWARDS Dental Rewards is a program that if benefits used are less than $500 for the year then a $250 carryover will be awarded to your annual benefits maximum

WAITING PERIOD 3 months - Type 2 procedures & 6 months - Type 3 procedures (All Plan Members)

ORTHODONTIA SUMMARY Allowance All Plan Designs: In Network, discounted fee. Out of Network, U&C.

Coinsurance: 50%

Coverage for Adults: No

Lifetime Max: $1,000 per person

Waiting Period: 12 Months (All Plan Members)

TYPE 1: PROCEDURE (FREQUENCY)

Routine Exam (1 in 6 months) Bitewing X-rays (1 in 12 months)

Full Mouth/Panoramic X-rays (1 in 5 years) Periapical X-rays

Cleaning (1 in 6 months) Fluoride for Children 13 & under (1 per benefit

period)

Routine Exam (1 in 6 months) Bitewing X-rays (1 in 12 months)

Full Mouth/Panoramic X-rays (1 in 5 years) Periapical X-rays

Cleaning (1 in 6 months) Fluoride for Children 13 & under (1 per benefit period)

TYPE 2: PROCEDURE (FREQUENCY)

Sealants (age 13 and under) Restorative Amalgams

Restorative Composites Denture Repair

Simple Extractions

Sealants (age 13 and under) Restorative Amalgams

Restorative Composites Denture Repair

Simple Extractions

MONTHLY RATE WITH ORTHODONTIA

AREA 1 AR, AL, IN, KY, LA, MO, MS, MT, ND, NC, NE, NM, OH, OK, SC, TN, UT, WV Not Approved in: NY, NH

Member Member + 1 Dependent

Member + 2 or More

$31.72 $60.32 $95.72

$36.16 $67.88

$105.56

AREA 2 AZ, CO, DC, DE, GA, ID, IL, KS, MD, ME, MI, MN, NV, OR, PA, RI, TX, VA, WI, WY Not Approved in: NY, NH


Member + 2 or More

$38.80 $76.08

$125.24

$45.76 $88.72

$143.80

AREA 3 AK, CA, CT, FL, HI, MA, NJ, WA, VT Not Approved in: NY, NH


Member + 2 or More

$47.52 $92.52

$150.28

$58.12 $111.56 $177.56

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License #1544170

Administered by:


Life & Disability InsuranceFully insured through Prudential



Prudential Life Insurance

BASIC EMPLOYEE LIFE Full time active employees who work 30 hrs / per week are eligible for a flat $100,000Guaranteed Issued

OPTIONAL EMPLOYEE LIFE $10,000 increments to the lesser of 5x BAE or $200,000Guaranteed issue up to $150,000

OPTIONAL DEPENDENT LIFE Spouse: $5,000 increments up to $100,000 ($20,000 in Guaranteed Issue)Children: $10,000 (live birth to age 19 or 25 if full time student)

BASIC LIFE: Monthly Rate per $1,000 $0.235

BASIC AD&D: Monthly Rate per $1,000 $0.02

OPTIONAL LIFE MONTHLY RATE PER $1,000 DEPENDENT LIFE MONTHLY RATE PER $1,000

Spouse Rates/$1,000

LT 25 $0.07 LT 25 $0.07

25-29 $0.08 25-29 $0.08

30-34 $0.09 30-34 $0.09

35-39 $0.12 35-39 $0.12

40-44 $0.15 40-44 $0.15

45-49 $0.23 45-49 $0.23

50-54 $0.37 50-54 $0.37

55-59 $0.64 55-59 $0.64

60-64 $0.99 60-64 $0.99

65-69 $1.60 65-69 $1.60

70-74 $3.70 70-74 $3.70

75+ $3.70 75+ $3.70

Children $0.10

OPTIONAL EMPLOYEE AD&D $0.03 OPTIONAL FAMILY AD&D $0.03

13



Prudential Dependent AD&D Benefits

FAMILY

Spouse only: 60%

Child only: 15%

Spouse/Child: 50%/10%

Benefit amount equal to optional like amount

Optional AD&D Schedule of Benefits

LOSS OF: % OF PRINCIPAL SUM

Life 100%

Both Hands or Both Feet 100%

One Hand and Foot 100%

One Hand or One Foot and Sight of One Eye 100%

One Hand or One Foot 50%

Thumb & Index Finger of Same Hand 25%

Sight in Both Eyes 100%

Sight in One Eye 50%

Speech 50%

Hearing in Both Ears 50%

Speech & Hearing in Both Ears 100%

Quadriplegia 100%

Paraplegia 75%

Hemiplegia 50%

ADDITIONAL BENEFITS FOR LOSS OF LIFE:

Seat Belt Additional 10% up to $10,000

Airbag Additional 10% up to $10,000

OPTIONAL BENEFITS SCHEDULE:

Tuition Reimbursement for Dependent Spouse Lesser of $2,500; 1% amount of insurance; or actual tuition; up to 4 years

Tuition Reimbursement for Dep. Child(ren) under age 23 Lesser of $2,500; 1% amount of insurance; or actual tuition; (excluding room/board) up to 4 years

Day Care for Dependent Child Lesser of $2,000; 1% amount of insurance; actual cost charged; up to 4 years

Felonious Assault 5% of coverage

Return of Remains Lesser of $2,000; actual covered expense

Exposure to the Elements & Disappearance Exposure treated as accidental injury; disappearance considered loss of life after one year.

Coma longer than 6 months 1% up to 11 months

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Prudential STD Schedule of Benefits

Eligibility Description Active Full Time Employees earning $60,000 or more annually working at least 30 hours per week

Definition of Earnings Base salary only

Service Waiting Period None

Contribution 100% contributory

Participation Requirement 15% - If this is not met, our rates/proposal will be revised and offer may not be valid.

Elimination Period 14 days accident / 14 days sickness

Maximum Weekly Benefit $300

Minimum Benefit $300

Benefit Duration 26 weeks

24 Hour Coverage Applies

Offsets for Other Income Does not apply

Partial Disability Applies

Pre-existing Condition Exclusion 3/12 Prudent Person pre-existing condition exclusion applies.

Evidence of Insurability Applies to late entrants

Telephonic Claim Submissions Excluded

Check Production Bi-weekly

Tax ServicesAs part of out service, we provide bi-weekly and quarterly financial reports in addition to the withholdings of appropriate employee FICA and any requested Federal Income Tax (FIT), State Income Tax (SIT), and/or local taxes. FICA matching and W-2 preparation can be provided at an additional cost with underwriting approval.

Prudential LTD Schedule of Benefits

Eligibility Description Active Full Time Employees earning $60,000 or more annually working at least 30 hours per week

Definition of Earnings Base salary only

Service Waiting Period None

Contribution 100% contributory, benefits are not taxable

Participation Requirement 15% - If this is not met, our rates/proposal will be revised and offer may not be valid.

Elimination Period 180 days

Scheduled Benefit 60%

Maximum Monthly Benefit $3,000

Minimum Benefit Greater of $100 or 10%

Benefit Duration To Social Security Normal Retirement Age with ADEA I

Social Security Offset Family

Definition of Disability

First 24 months - unable to perform the material and substantial duties of your regular occupation and you have a 20% or more loss in your monthly earnings; and under the regular care of a doctor. After 24 months - unable to perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience; and you are under the regular care of a doctor. Gainful benefit while not working will match the scheduled benefit for the plan.

Partial Disability Applies/ During Regular Occupation period earnings cannot exceed 80%. During Gainful Occupation period earnings cannot exceed 60%.

Residual Applies

Return to Work Incentive Applies 12 months, Offsets based on lost earnings formula

Indexing of Pre-disability Earnings Offsets based on lost earnings formula

Mental Nervous / Drug Alcohol Limit Applies - 24 months

Survivor Benefit 3 x GMB

Pre-existing Conditions A 3/12 pre-existing exclusion applies, as well as for any increase in benefits to the prior plan

Evidence of Insurability Applies to late entrants

LTD Rate Rate/$100 of CMP $0.754

STD Rate Rate/$10 Weekly Benefit $0.59

15

License #1544170

Administered by:


Vision BenefitsFully insured through Ameritas/EyeMed



EyeMed Vision

EYEMED ACCESS NETWORK OUT OF NETWORK

Annual Eye Exam Covered in Full Up to $35

LENSES (PER PAIR)

Single Vision Covered in Full Up to $25

Bifocal Covered in Full Up to $40

Trifocal Covered in Full Up to $55

Lenticular 20% discount No Benefit

Progressive See lens options N/A

Frames $130 Up to $65

Frequencies (Exam/Lens/Frames) 12/12/24 Based on date of service 12/12/24 Based on date of service

DEDUCTIBLE, MAXIMUMS

Deductible $10 Exam/$25 Eye Glass Lenses No Deductible

Max Cal Yr None None

CONTACT LENSES

Fit & Follow up Exams Standard: Member cost up to $55 Premium: 10% off of retail

No Benefit No Benefit

CONTACTS

Elective Up to $130 Up to $104

Medically Necessary Covered in Full Up to $200

Progressive LensesStandard: $65 + lens deductible

Premium: Lens cost - 20% discount - $120 allowance + Standard Progressive cost

Up to $35

Std. Polycarbonate $40 No Benefit

Scratch Resistant Coating $15 No Benefit

Anti-Reflective Coating $45 No Benefit

Ultraviolet Coating $15 No Benefit

LASIK or PRKAverage discount of 15% off retail price or 5%

off promotional price at US Laser Network participating providers.

No Benefit

RATES

Member $7.72

Member + 1 Dependent $13.76

Member + 2 Dependent $18.60

Rates are guaranteed for 24 months following the effective date listed above. Rates include: home address mailing.PLEASE NOTE: Rates assume enrollment in our electronic certificate (eCert) program. If you choose to receive paper certificates, monthly rates will increase $.20 per member.The EyeMed Vision Benefit is not approved in NY or NH.

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License #1544170

Administered by:


Member Benefits Program - Small Business United · Managed by ETMG, LLC License #1544170 Member...

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