Voluntary Benefits Program

Henry Ford Health System (HFHS) Voluntary Benefits Program is designed to provide quality insurance products and services that save you both time and money. Voluntary Benefits are part of the System's Total Rewards Program. Total Rewards is how the system recognizes and rewards employees for their contributions to the organization's success.

HFHS full and part time benefit eligible employees as well as select union employees can enjoy special group discounted rates on home and auto insurance, premier purchasing plan, pet, legal expense and long-term care insurance. Premiums for the coverage(s) will be made through convenient automatic payroll deductions. You write no checks, and there are no down payments or service fees.

Enroll now by calling 1-866-405-7953.

For benefits available to Canadian employees click here.

Home/Auto Insurance

Home and auto insurance is a normal household expense. Frankenmuth Insurance Co., a Michigan based "A" Excellent rated by A.M. Best offers a 12% group discount on home and a 15% discount on auto insurance exclusively for HFHS employees.

Some of the features of the program are:

Auto

Home

Condominium

Renter

Fire

Excess liability

Boat and yacht

Special discounts include:

Anti-theft

Multi-policy

Multi-car

New home

Security discounts

and more...

The group auto and home insurance is administered locally and exclusively by Brown & Brown of Detroit, Michigan's leading business insurance agency.

www.bbdetroit.com/hfhs

Long Term Care
The long term care benefit provided by MetLife is closed to new participants. If you have an exisiting policy and have questions regarding your policy, please contact MetLife directly at 800.438.6388.

Legal Expense Insurance

Dealing with legal and financial issues can certainly be expensive and time consuming, but there is a simple alternative. The UltimateAdvisor™ offers compre-
hensive benefits. A few of the most commonly utilized features are:

Telephone Legal Services

Will Preparation

Buying/Selling Your Home

Telephone Financial Planning

You will also have direct access to network attorneys as well as the freedom to choose any out-of-network attorney. Unlimited toll free access to telephone attorneys in any state is available.

Henry Ford Immigration Services determines the counsel/law firm that will process employment sponsored immigrant and non-immigrant visa classifications for HFHS. Obtaining individual counsel or assistance through the group legal plan available through the system's voluntary benefits program is a violation of this policy. If you require employment-based sponsorship, please contact Henry Ford Immigration Services for further information at 313-874-3954.

Click on "UltimateAdvisor™"
from the ARAG homepage.

members.araggroup.com/hfhs

Purchasing Power
Coming Soon 01/01/2012

Purchasing Power is the premier purchase program offering brand name products via payroll deduction. As long as you are a qualified Henry Ford Health System employee you are eligible to purchase computers, electronics and home appliances through payroll deduction over a 12 month period without incurring finance fees.

Products include:

Laptop Computers

Desktop Computers

Tablets

Televisions

Gaming Products

Digital Cameras

Large and Small Appliances

Furniture

Patio Furniture

When cash is not an option, Purchasing Power is a better way to buy.

Paying cash for purchases is the best way to buy. But when cash is not an option, Purchasing Power may save you money over traditional financing options like credit cards or rent-to-own, especially if you are prone to making the minimum payment or incurring late fees.

To learn more and to start shopping, visit us today!

www.HFHS.PurchasingPower.com

Pet Insurance

For that special family member..... Pet insurance covers over 6,400 medical conditions related to accidental injuries, emergencies, poisonings, illnesses and cancer. This coverage will help you maintain the health of your pet. Coverage for dogs, cats, birds and other exotic animals is available.