HUMANCAPITALPRACTICEPARTNERING WITH COMPANIES TO MANAGEHUMAN CAPITAL RISK…ONE EMPLOYEE AT A TIME

An organization’s success depends on its human capital. The task ofrecruiting, retaining and motivatingemployees is more important now thanever and represents a substantialinvestment in time and money. Wisedecisions are critical in these areas to effectively drive and supportorganizational goals.

The Willis Human Capital Practiceoffers a comprehensive suite ofbrokerage and consulting services toproactively work with yourorganization to design and deploy key Human Resources initiatives.

EMPLOYER CHALLENGESWillis has decades of experience working with companies like yours. Each organization is different with its own unique challenges. Below are just a few of the challenges we help employers with:

� Employee communications� Compliance� Employee engagement� Managing the rising cost of health care � Engaging employees in healthy behavior � Recruitment and retention� Vendor management� Benefits administration� Reducing absenteeism/presenteeism� Increasing productivity� Adjusting to changing workforce demographics

WILLIS SOLUTIONSOur approach is unique: Willis has combined the best qualities of a true broker with the toolsand resources of a pure consulting firm to offer our clients the full array of services theyneed at competitive prices.

START WITH A STRATEGY

At Willis, we work with you to establish a strategy for your benefits program. Once a strategyis determined, we provide you with options to meet your goals and develop a detailed actionplan to facilitate a successful approach to meet your needs. Finally, we continually reviewperformance to ensure your organization’s goals are met.

You can expect Willis to also support your organization with:

� Plan marketing� Open enrollments� Benefits administration solutions� Day-to-day account management� Consulting services� Benchmarking

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OUR INDUSTRY EXPERTS WORK FOR YOU

In addition to your local team, we have a national practice comprised of industry experts.These specialists are frequently asked to speak at national and local industry events. Oursubject matter experts are published in industry journals and are recognized as industryleaders in their fields. Our industry expertise includes:

� Health care cost management� Health care and pension actuarial services� ERISA attorneys� Employment law attorneys� Human resources� Auditing services� Employee communications� Carrier/vendor management� Retirement plans� Multinational benefits� Executive and Specialty Benefits� Underwriting� Voluntary benefits

Willis develops publications written specifically for our clients. We keep you updated onlegislative activity and trends impacting human capital management. You also benefit fromour numerous educational webcasts and local seminars.

THE WILLIS SUBJECT MATTER EXPERTS

COMMUNICATION PRACTICE

Your plan is only as valuable as it is perceived by your employees. Willisassists with employee communication and education through:

� A comprehensive set of customized communication campaign options:open enrollment, new hire benefits guides, wellness initiatives andeverything in between

� Full service print, fulfillment and distribution solutions� Innovative communication technologies, such as text messaging, email

campaigns and video presentations� A web portal for managing forms, communicating information and

providing answers

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NATIONAL LEGAL ANDRESEARCH GROUP (NLRG)

NLRG is a team of ERISA attorneys and legalprofessionals with expertise in state and federalregulations affecting your employee benefitsprograms. As a Willis Human Capital Practiceclient, you have access to their expertise, as wellas our web-based Compliance Manual. Inaddition, we have a dedicated team to assistclients with Form 5500 filings.

HR PARTNER

To help clients face the competing demandsplaced on today’s human resources department,

Willis created HR Partner. Our team stays abreast of human resources trends and bestpractices in all areas of human capital management. Some of our expertise includes, HRstrategic planning, total rewards, policies and procedures, performance management, leavesof absence, training and development, and much more. The HR Partner consultants cansupport your human resource initiatives by answering questions, providing hands-onsupport or supplying you with best practice forms, policies and procedures checklists, andother sample tools. In addition, you will benefit from a number of our strategic partnershipsproviding you access to technology and resources at a discounted rate for our clients.

WILLIS TRAINING SOLUTIONS

An online training system with over 100 courses provides an easy, cost-effective way toassign and track training of managers and employees on a variety of compliance and HRrelated topics.

WILLIS ONLINE

A secure web portal designed for you and your Willis Client Advocate® to share documents,track action items and reduce paperwork related directly to the management of your benefitplans and HR practices. You can access the Willis Client Toolkit, stocked with thecustomizable documents needed to run a successful HR Department.

SEARCH WILLIS

Search Willis gives you 24/7 access to a comprehensive library of plain-English HRcompliance help. You’ve found the place for fast, reliable employment and labor law answers— so you can do your job better and faster.

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HRFocusEMPLOYEE BENEFITS

February 2009 – Issue 20

LEGAL &COMPLIANCE

2009 VERSION OFMASSACHUSETTS HIRDFORM RELEASEDTheCommonwealth ofMassachusettsDivision ofHealthCareFinance andPolicy has recently released the 2009 version of itsHealth InsuranceResponsibilityDisclosure (HIRD) form. TheMassachusettsHealthCareReformAct (HCRA)makes employerswith 11 ormore full-time equivalent employees responsible fordistributing and collecting signed employeeHIRD forms. Althoughemployers neednot use the state’sHIRD form, theywill want toreview the 2009 form, because any alternative form that they usemustcollect the same information. A copy of the formcan be foundhere:http://www.mass.gov/Eeohhs2/docs/dhcfp/g/hcr/employee_hird_2009.pdf.

HIRD FORM REQUIREMENTSMassachusetts employeeswhowaive grouphealth coverage or declineto participate in an employer’s Section 125 cafeteria planmust sign aHIRD form. Even those employeeswho arewaiving coverage becausethey have coverage through another sourcemust sign the form.Employeeswho choose to drop coverage, during the year or at openenrollment, andnewly hired employeeswhodecline coverage, alsoneed to sign theHIRD form. Employees participating in an employer’sgrouphealth plan, orwho are ineligible for both the employer’s grouphealth plan and its Section 125 plan donot sign theHIRD form.

The employermust collect the signed employeeHIRD formwithin30 days after the close of the applicable open enrollment period forthe employer’s health insurance or cafeteria plan, or by September30 each year, whichever is earlier. Employees who drop coverage atany point during the yearmust sign the formwithin 30 days ofdropping coverage. For new hires who decline coverage, the formmust be signedwithin 30 days following the end of the initialenrollment period.

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LEGAL & COMPLIANCE

2009 Version of MassachusettsHIRD Form Released 1

San Francisco Health CareSecurity Ordinance (HCSO)2009 Reminders 2

HR CORNER

Employers: It’s Time to TalkAbout Unions 3

WELLNESS WORKS

Most Workers Cometo Work When Sick 4

YOU BE THE JUDGE

Did the Plan Administrator ActArbitrarily in Denying Benefitsfor a Drunk Driving Injury? 5

SINCE YOU ASKED

Coverage Decision “In Anticipation”of COBRA Event? 6

NEWS

Washington Paid Leave on Hold 7

CMS Report: U.S. Health SpendingHits $2.2 Trillion 7

WEBCASTS & EVENTS

HR Recession Planning 8

CONTACTS 9

With Search Willis you can:

� Select from an extensive library of prewritten, ready-to-usechecklists, policies, forms, letters, documents, etc. that canbe customized to create policies and handbooks in minutes.

� Keep up on all the latest news, white papers, as well asfederal and state legislation impacting HR, and accessState Comparison Charts, all of which will keep youinformed.

� Access the training library, where you will find audiotraining presentations, more than 100 PowerPoint®

presentations on key HR topics, from FLSA, FMLA andADA to managing non-English-speaking employees.Slides, speaker notes, quizzes, take-aways...they’re allthere and all done.

� Create job descriptions using Job Description Manager, an online tool with sample jobdescriptions for more than 2,400 job titles.

� Research compensation data, benchmark salaries and help your organization remaincompetitive.

� Create employee newsletters that can be emailed, printed or linked on your companyintranet.

Search Willis is “Everything-HR-in-one-place.”

FINANCIAL REPORTING

How will you know if your plans are performing well, or if you are making effective decisionsabout changes to your program design, without measurement? Willis offers dashboardreporting to help our clients understand the financial performance of their benefits plans.Reports include an executive summary, month-by-month data analysis and renewalforecasting. In addition, we offer Willis Med to our larger clients, which utilizes medical andprescription claim data to identify clinical incidence rates within the employer populationvia a sophisticated data warehousing system. Once targeted, specific action plans arecreated to assess vendors, benefits design or create incentives to better manage criticaldisease states. Beyond these services, Willis offers underwriting and actuarial services toassist you with better controlling and managing health care cost.

WINNING WITH WILLIS

Willis helps clients optimize business results by reducing the costsassociated with their human capital investment. One way of doingthis is to provide your employees with the content, tools,resources and support needed to adopt and sustain individualbehavior change. The simple fact is the vast majority of healthcare events are driven by our lifestyle choices. Lifestyle choicescan be changed. They are driven by our own attitudes andbehaviors around diet, exercise and healthy living in general. Willis partnered with some of the nation’s most trusted sources toprovide Willis members with key resources through a robust consumer engagement portal linking employees on one website.

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Willis has collaborated with the Centers for DiseaseControl and Prevention to present accurate, relevant andactionable health information directly to our clients, theiremployees and family members. Winning With Willis alsoprovides the tools and resources needed to increase onespersonal commitment to their health and well-being.

� Physical Activity and Nutrition Support Discounted access to fitness and nutrition programsby Jillian Michaels. Access to the Biggest Loser Leagueonline community, a forum to create corporatechallenges and get employees engaged byparticipating in a health and fitness regimen co-branded by the popular NBC television show.

� Healthy HeadlinesArticles and current news about health topics and issues to help employees get and stay healthy.

� Willis RewardsAn online reward tracking and delivery platform, which provides employee discounts tobest-in-class vendors and access to a virtual health fair 24/7.

WELLNESS CONSULTING

Our Wellness consulting services help our clients plan and implement key strategic healthyinitiatives designed to deliver a return on investment. We customize our approach with eachclient to meet each organization’s individual needs and desired outcomes. One such solutionis Willis WellBeing, a turn key wellness program. Willis WellBeing is an online memberwellness site featuring nutrition and exercise tips, as well as lifestyle content to encouragehealthy behavior.

DELIVERING ON RESULTSWe provide each service through our Client Advocacy service model using our Glocalresource approach to client delivery. Your local Willis team works in conjunction with ournational and global subject matter experts to provide world class resources seamlessly. Thisis all accomplished under the leadership of your Client Advocate who serves as your singlepoint of contact for recommending, designing and delivering solutions customizedespecially for your organization.

GETTING STARTED

Contact your local Willis Client Advocate® to learn more about how we partner withcompanies to manage human capital risk…one employee at a time.

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