Following are brief outlines of sponsored insurance program features. To receive information on any of these programs, please complete an Interest Form.

If you have any questions regarding the sponsored insurance programs please contact a Marsh Client Service Representative at 888-882-2269 or e-mail us at NYCBar.Insurance@marsh.com.

This web page is for illustrative purposes only, and is not a contract. It is intended to provide a general overview of the services described. Remember that only the policy can provide the actual description of services, terms, conditions and exclusions.

• Medical Programs
• Term Life Program
• Catastrophe Major Medical
• Long Term Care
• Business Overhead Expense Program
• Accidental Death and Dismemberment Program
• Auto and Homeowners
• Business Owners Package

Open a Health Savings Account!
Sign up online with OptumHealthBank.com

MEDICAL

• Contributions to the account are tax deductible up to the size of the HDHP deductible. In 2010, individuals may contribute up to $3,050; with family coverage you may contribute up to $6,150 (indexed for inflation).
• Contributions may be made by an individual, an employer or both
• Amounts in an HSA belong to the individual and are fully portable
• Amounts in an HSA earn tax free interest
• Unused amounts in the account at year end rollover for future years
• Distributions are not taxed if used for qualifying medical expenses
• Individuals between the ages of 55-64, can make additional “catch up” contributions. In 2010, an extra $1,000 can be contributed to the above amounts.

In order to qualify for a health savings account, an individual must be covered under a qualifying high deductible health plan (HDHP).

Oxford has arranged for members to open their Health Savings Accounts with OptumHealthBank. Click here to go to www.OptumHealthBank.com and open your HSA today!

Or, consider the most popular plan among City Bar members — the Freedom Plan Metro^SM, designed to reduce health insurance expenses for you, your dependents and your employees without having to sacrifice your choice of physicians. With the Freedom Plan Metro, you have access to Oxford’s extensive network of over 65,000 physicians. However, you pay for more of your care as you receive it, through higher co-payments rather than through higher premiums, regardless of whether or not you use medical services.

Oxford also offers their traditional Point-of-Service programs that differ by deductible. All three plans cover most in-network benefits either with no charge or with a small copayment. Out-of-network benefits are covered subject to deductibles and coinsurance. In addition, you pay the difference between the provider's charges and Oxford's usual, customary and reasonable allowances.

Premiums for all options are based on the New York borough or county your firm is located in.


Brief Highlights of the Point-of-Service plans:

* Including deductible

Brief Highlights of the High Deductible Health plans:

Underwritten by: Oxford Health Plans (rated "A-" by A.M. Best and Company)
Transparency & Disclosure

TERM LIFE

New! Group Level Term Life Insurance Program

ReliaStar Life Insurance Company, one of the ING family of companies, is the new insurer of the association sponsored Level Term Life program. The program offers members two insurance options: 10 Year Level Term and 20 Year Level Term.

And, you may apply for amounts from $200,000 up to $1,000,000!

Rates for the first 10 or 20 years of your coverage are locked in so that you do not experience increases in premium as you get older. This results in substantial premium savings during the life of the coverage. After the initial 10 or 20 year term period, you can reapply for coverage at your then attained age or transfer to the regular term life program if you no longer qualify through underwriting.

Each plan also includes both a travel assistance service and a funeral planning and concierge service at no additional charge to you.

You may also insure your spouse or domestic partner, and your eligible employees may apply for coverage as well.

For members who wish to apply for amounts from $50,000 to $150,000, a traditional annual renewable term plan is available.

Level Term Life Insurance is underwritten by ReliaStar Life Insurance Company.
Policy form LP08GP.

Level Term Life Plans: Transparency & Disclosure

CATASTROPHE

This high deductible ($25,000 per sickness or injury) program provides a supplement to your basic medical program. It is particularly attractive to members who are in HMO programs and would like the flexibility to receive out-of-network treatment for catastrophic illness. Also included is a convalescent home benefit of $300 per week for up to 3 years.

This insurance plan is underwritten by: The United States Life Insurance Company in the City of New York, NAIC#70106, domiciled in New York State with a principal place of business at 70 Pine Street, New York, NY 10270, licensed in all states, plus DC, except not PR.

For members who reside outside the State of NY:

LTC

Members receive a 5% premium discount through MetLife and John Hancock.

Long Term Care benefits are payable upon the loss of two of the six Activities of Daily Living (ADLs) or cognitive impairment.

There is an additional premium discount if both you and your spouse purchase coverage at the same time. Applicants in good health may also receive further discounts.

Covers losses resulting from Parkinson's disease, senile dementia and Alzheimer's disease. Members, spouses, parents (in-law) and grandparents (in-law) are eligible to apply.

We can arrange to have a Long Term Care specialist meet with you to discuss your needs, or download the quote request form and fax it to 213-346-5946 for more information.

Underwritten by: Metropolitan Life Insurance Company (rated "A+" by A.M. Best and Company) and John Hancock Life Insurance Company (rated "A++" by A.M. Best and Company)

BOE

Overhead expenses don't stop just because you become disabled. Don't divert your Long Term Disability benefits to pay for business expenses.

Business Overhead Expense insurance is an economical way to pay many fixed business overhead expenses when you are totally disabled, such as:

• Office rent and leased equipment
• Employees' salaries and insurance plans
• Heat, electricity, water and telephone
• Taxes
• Insurance Premiums (including malpractice or legal liability insurance)
• Depreciation and other fixed overhead expenses necessary to the normal operation of your office

Monthly Benefit Amount:
Under Age 50 Up to 15,000 per month
Age 50 to Age 60 Up to $10,000 per month

Underwritten by: First Unum Life Insurance Company (rated "A-" by A.M. Best and Company)

AD&D

This insurance program covers you 24-hours a day, 365 days a year. Your acceptance is guaranteed to age 70! Unlike some plans, this plan is not limited to just certain accidents (car, plane, etc.). This insurance plan pays regardless of any other insurance you may have.

Benefit Amounts:

• Member $100,000 to $750,000 (increments of $10,000)
• Spouse $100,000 to $750,000 (increments of $10,000) Coverage cannot exceed member's amount
• Dependent Children $10,000

Underwritten by: First Unum Life Insurance Company (rated "A-" by A.M. Best and Company)

AUTO&HOME

The Group Savings Plus® Program provides special discounts on automobile and homeowners premiums for members of the Association. There is an additional discount if both policies are purchased through Liberty Mutual.

Highlights of the Group Savings Plus Program

• Covers automobiles, homes, personal articles, personal umbrella policies, valuable possessions, seasonal dwellings and recreation vehicles.
• 24-hour roadside assistance* and round-the-clock claims service
• Enroll over the phone or visit a local office
• Contractor Network Referral Program

For more information, call Liberty Mutual at 1-800-524-9400.

*Service applies to auto policyholders and is provided by Cross Country Motor Club of Boston, Inc., Boston, MA or through Cross County Motor Club of California Inc., Boston, MA.

Underwritten by: Liberty Mutual (rated "A" by A.M. Best and Company)

BOP

Questions?
Call Marsh at 888-882-2269 or e-mail us at NYCBar.Insurance@marsh.com

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Page Last Updated: 8/6/2010

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