Human resources professionals have to wear a lot of hats. You may be responsible for staffing, compensation, employee training and communications, regulatory compliance, strategic planning, just to name a few.

Yet much of your time may be taken up with routine and repetitive tasks related to processing benefits transactions: filling out paperwork or entering employee data; answering the same employee benefit questions over and over; having to call the insurance company every time you need to make a change.

Unum's online benefits administration services can simplify benefits administration by:

• streamlining the process of managing benefits;
• helping your employees understand and appreciate their insurance benefits;
• addressing all employee enrollment events new hire, life changes (such as marriage or the birth of a child) and annual enrollment in one system;
• helping to ensure compliance with a constantly changing regulatory environment; and
• managing the costs of delivering an effective benefits program.

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Streamline the Process of Benefits Administration

"Our process is too paper-intensive, and I don't like having to enter the same employee data multiple times."

Unum's online employee self-service and HR administrator tools will:

• significantly reduce the amount of paper you have to process;
• electronically transmit employee data to all carriers and vendors, as well as your payroll department; and
• help you create a seamless system to manage all of your benefit plans, from Unum or other carriers.

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Help Your Employees Understand and Appreciate Their Benefits

"Unfortunately, our employees do not think about their benefits until they need them. We need assistance with educating employees and helping them appreciate the value of their benefits before it's too late."

Most employees do not understand the details of their own benefits package and are often unaware of the value of the benefits you provide. Unum's benefits administration services include online options that can help you increase your employees' understanding and appreciation of your company's benefits program. We can create an educational website customized for your company that:

• helps your employees learn about your benefits program;
• reflects your corporate branding standards, your logo, your terminology and your plan designs;
• includes plan comparison charts, printable forms, or electronic tools to help employees decide which plans to participate in or purchase; and
• features information on all of your employee benefit plans to help your employees gain a "big picture" view of their entire benefits package.

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Administer Benefits for All Employee Enrollment Events New Hire, Life Events and Annual Enrollment

"Annual enrollment is a big headache for sure, but employees come and go and their benefits needs change all year long."

Unum's online system is designed to support your administrative needs 24-hours a day, everyday, through:

• online employee self-service enrollment for events throughout the employment cycle new hire, annual enrollment, and family status changes;
• personalized tracking of benefits eligibility for each employee; and
• electronic transmission of employee census and enrollment changes and payroll deductions data according to the schedule you set.

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Help Ensure Compliance with Constantly Changing Employment Regulations

"Compliance with government regulations is becoming an administrative obstacle."

Unum's benefits administration team has in-depth knowledge in human resources compliance requirements related to HIPAA, COBRA and other regulatory considerations. Our online benefits administration system has been carefully designed to support benefits compliance.

For example, health care enrollment data (including terminations) is transmitted to carriers electronically, per HIPAA compliant standards, which:

• ensures timely enrollments and prompt availability of services for employees;
• minimizes inappropriate payment of claims; and
• simplifies billing administration for client and medical carrier.

To further help you ensure your company's compliance with employment regulations, we can help you create a controlled and automated benefits administration workflow for your company's specific needs.

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Manage the Costs of Delivering an Effective Benefits Program

"Online benefits administration systems are expensive I can't justify the cost."

When you subscribe to our online benefits administration system, increased efficiency for your HR professionals and greater convenience for your employees are just a few of the returns you can expect from your investment. In addition:

• Our full/core services are value priced to support customers with a Unum insurance plan in place.
• Unum's enrollment experts can work with you to utilize our online services as part of a Unum supplemental voluntary workplace benefits product offering that could include face-to-face employee communication and training.

Consider this: By eliminating the traditional paper and process inefficiencies, companies should expect a substantial reduction in the cost per transaction. These cost reductions averaged 43% as reported in the Cedar 2003 Workforce Technologies Survey.³

We will work with you to structure a plan that provides your company with the maximum value. Contact us to learn more about how our online administration services can benefit your company.

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1., 2., 3. Cedar 2003 Workforce Technologies Survey, Pages 10 and 11, Cedar Enterprise Solutions