In addition to our online services for plan administration of group products, Unum offers a fee-based service for online employee self-enrollment for your entire employee benefits program. This service not only helps your employees better understand their increasingly complex benefits packages, it supports their needs associated with ongoing changes due to life events. View our online demo of this service.

Saratoga's 2004 Workforce Diagnostic System Benchmarking Reports noted average benefit costs per employee of $19,190, an increase of 36% since 2000.¹ And HR per employee costs are at $1,457, up 22% since 2001.² The time and effort it takes to effectively administer your company's employee benefits plan can keep your HR professionals from performing more strategic activities. Unum's online benefits administration services help streamline your benefits enrollment and management activities, saving valuable time and letting you focus more energy where it counts the most: on your employees.

Unum's online benefits administration services will help you manage:

• Effective Employee Communications
• 24-hour Self-Service Access for Employees
• Fast and Accurate Enrollment
• Comprehensive Reporting
• Automated Data Management

1. PriceWaterhouseCoopers, "The Saratoga Review", September 2004, Page 1.
2. ibid, August, 2004, p.2

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Manage Communications Effectively

Our online benefits administration tools offer exceptional flexibility and allow you to manage benefits communications quickly and conveniently. The user-friendly online system allows you to:

• create, edit and post benefit plan communications for all your plans;
• provide an up-to-date document library to help employees find answers to benefits questions on their own; and
• virtually eliminate the need to publish and distribute printed benefits materials.

Our communication sites can be set up on a stand-alone basis for global employee access to communication content and forms, or it can be integrated with our online enrollment and administration services.

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Give Employees "Anytime" Access

Give your employees 24-hour online access to their benefits information from work or home. Each employee will be directed to a personalized screen, based on personnel information from your HR/Payroll system. This ensures that employees can only see and enroll in insurance plans for which they are eligible.

Our online benefits administration solution can be integrated with your own Intranet for single sign-on access by employees.

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Provide Fast and Accurate Enrollment

Can an enrollment system be easy for your employees to use and easy for you to manage? We put our extensive enrollment expertise to work to create an online enrollment system that does both.

The self-service system helps your employees through the potentially complex enrollment process by:

• providing step-by-step instructions;
• automatically tracking your employees' progress through the system;
• identifying transactions that require further documentation (such as Evidence of Insurability approval or life event proof);
• notifying employees by e-mail of enrollment status; and
• informing insurance carriers, payroll systems and the HRIS system of your employees' enrollment changes.

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Comprehensive Reporting

You may use the online system to review standard reports to simplify the time-consuming process of carrier billing reconciliation, analysis and other tasks.

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Automated Data Management

Our online benefits administration services integrate with your payroll, HRIS systems and insurance carriers to automatically manage all data transmissions, schedules, and statutory and proprietary data formats. This helps ensure that each recipient receives the right insurance coverage and deduction data, in the right format, at the right time.

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