Assurant Employee Benefits’ Dental Plans Can Help Families Maximize Benefit Dollars

Wed Mar 6, 2013 5:17pm EST

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Lifetime of Smiles® Program Can Help Consumers Reduce Out-of-Pocket Expenses
KANSAS CITY, Mo.--(Business Wire)--
Developed to meet ongoing consumer needs, Assurant Employee Benefits` Lifetime
of Smiles® dental health program, with Family Share Max®andPreventive Max
Waiver® options, can help familiesmaximize their dental benefit dollars while
helping to improve their overall health. 

"Our Lifetime of Smiles program is dedicated to improving consumers` smiles for
a lifetime," said Stacia Almquist, vice president of dental for Assurant
Employee Benefits. "Also, with Family Share Max and Preventative Max Waiver,
we`re giving families more control and the flexibility to spend their family`s
dental dollars the way they want." 

The Lifetime of Smilesprogram benefits* may include:

* Up to four periodontal cleanings in a 12-month period to help prevent gum
disease 
* Brush biopsies to help with early detection of oral cancer 
* Periochips to control bacteria and reduce the size of periodontal pockets 
* Genetic testing to help identify individuals who are at genetic risk for gum
disease 
* Posterior tooth-colored fillings preferred by many dentists and their patients

* Dental healthcare discounts on Xylitol products clinically proven to help
reduce cavities 
* Online Dental Health Center, a trusted resource that offers the most
up-to-date information available on preventive dental care

Under the program, families also can take advantage of the Family Share
Max®andPreventive Max Waiver® options being offered. 

Family Share Max, which replaces traditional individual maximums, allows
families to pull from one shared dental coverage pool in a way that most
effectively meets their specific needs and budgets. In a 2013 national consumer
survey1, 63 percent of consumers said that at least one family member needs more
dental work than the others during the year. Consequently, 55 percent would
preferone shared dental dollar amount for the entire family, rather than each
individual having separate funds. Family Share Max meets those needs, allowing
families to decrease out-of-pocket costs and maximize their benefit dollars. 

Another option, Preventive Max Waiver, covers preventive treatments like exams,
cleanings and most x-rays, yet they do not count against the maximum coverage.
This encourages preventative dental care while making more benefit dollars
available for costlier procedures. 

"Families don`t have to put off important dental work because of individual
dental coverage limits or because they`re close to their maximums anymore,"
Almquist said. "Family Share Max and Preventive Max Waiver let families
prioritize their dental needs, which help them resolve dental issues more
quickly and without breaking the bank. This is important given the strong
connection between oral health and overall health." 

To demonstrate how Family Share Max gives consumers more options in using their
dental benefits and why Preventive Max Waiver can help stretch their benefit
dollars, Assurant Employee Benefits developed an online comparison tool. 

Assurant Employee Benefits also offers the nation`s largest dental PPO network2,
giving consumers access to more than 100,000 unique dentists nationwide, which
can help lower claim costs, provide in-network fees to help reduce out-of-pocket
expenses and increase customer satisfaction. 

For more information, visit www.assurantemployeebenefits.com. 

About Assurant Employee Benefits

Assurant Employee Benefits specializes in quality employee benefits and
services, including long-term and short-term disability, life insurance,
voluntary benefits such as cancer, critical illness and accident, dental
coverage, and disability reinsurance management services. Assurant Employee
Benefits is the brand name for insurance products underwritten by Union Security
Insurance Company and for prepaid dental products provided by affiliated prepaid
dental companies. In New York, insurance products are underwritten and prepaid
products are provided by Union Security Life Insurance Company of New York,
which is licensed in New York and has its principal place of business in
Syracuse, New York. Plans contain limitations, exclusions and
restrictions.Contact us for costs and complete details.
www.assurantemployeebenefits.com

Assurant Employee Benefits is part of Assurant, a premier provider of
specialized insurance products and related services in North America and select
worldwide markets. The four key businesses -- Assurant Solutions, Assurant
Specialty Property, Assurant Health, and Assurant Employee Benefits -- partner
with clients who are leaders in their industries and build leadership positions
in a number of specialty insurance market segments in the U.S. and select
worldwide markets.

Assurant, a Fortune 500 company and a member of the S&P 500, is traded on the
New York Stock Exchange under the symbol AIZ. Assurant has approximately 14,500
employees worldwide and is headquartered in New York's financial district.
www.assurant.com.

*Dental prophylaxis cleaning is limited to 1 time in any 6 month period and
periodontal maintenance procedure is limited to 1 in any 3 month period. Total
number of combined dental prophylaxis cleanings and periodontal maintenance
procedures cannot exceed 4 in a 12 month period. Classification of services
varies by plan design. Currently not available in all states. 

1National consumer survey by CARAVAN® Opinion Research Corporation, February
2013. 

2The Ignition Group, L.L.C., data as of September 2012. The dental preferred
provider network offered by Assurant Employee Benefits includes dentists under
access arrangements with Dental Health Alliance, L.L.C.® and other dental PPO
networks.

Media:
Renee Robinson, 816-556-7815
Assurant Employee Benefits
renee.robinson@assurant.com

Copyright Business Wire 2013

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