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Underwritten by Pacific Life & Annuity Company

Did you know…

3 out of 4 American workers need eyeglasses or contact lenses to see properly?

But only 4 out of 10 major firms offer their employees a Vision Care plan (source: Hewitt and Associates study of 1,000 major U.S. employers).

In addition, vision problems are increasing

• VDT (video display terminal) related problems on the rise

• “Graying” of America

– 76 million baby boomers in the U.S.

– The oldest are age 50+

“Self-insuring” can be expensive

Cost of an annual eye exam: $45-90

Cost of eyeglasses $45-300

TOTAL ANNUAL COST $90-390

A wellness benefit for the entire family

Adults

• Incidence of presbyopia (“farsightedness”) spikes between ages 38 and 48

• 90 million adults use computers –Most suffer from VDT

disorders

– 1 million new sufferers every year

Children

• Vision problems can affect the learning process

• School screenings may not be enough

• Problems can be detected as early as 6 months

(Source: American Optometric Association)

Freedom of choice

Gatekeepers?Panel providers?Choose any visioncare provider?Self-referrals to specialists?Change providersat any time?

Yes No

Key points

Eligibility

Deductible

Benefits allowances for the following covered services

– Examination by an Optometrist or Ophthalmologist

– Lenses (single, bifocal, trifocal)– Frames– Contact lenses (cosmetic and

non-cosmetic)

Please refer to your Summary of Benefits for further details!

The value of group coverage

Key advantages over individually purchased insurance

– Lower rates

– Simplified acceptance

– Convenience of payroll deduction

Service, service, service

• Dedicated Customer Service unit

• 90% of claims handled in less than 10 working days

• Call average waiting time is 30 seconds or less

• Claims financial accuracy exceeds 99%

About...

• Solid protection from an outstanding insurer

• Over 50 years group insurance expertise

• Highly rated

Ratings

A.M. Best A++ (Superior)

Duff & Phelps AA+ (Very high)

Moody’s Aa3 (Excellent)

Standard & Poor’s AA+ (Very strong)

Ratings do not apply to Pacific Life & Annuity Company’s separate accounts

Please read your materials carefully

This has been a brief overview of group coverage underwritten by Pacific Life & Annuity Company. It does not contain all of the policy definitions, limitations and exclusions.

For additional information please refer to your Summary of Benefits.

THANK YOU.

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© Copyright 1999 Pacific Life & Annuity Company.