The Standard Life Insurance Company of New York includes the HorizonCare^TM EAP and WorkLife Services as a benefit to our group Long Term Disability (LTD) insurance policyholders to demonstrate our commitment to helping employers maintain healthy and productive workforces. These services are provided for groups with 15 - 2,500 covered employees* by Horizon Behavioral Services, a nationally recognized leader in the field of employee assistance programs.

Employers benefit as well. LTD coverage can be a valuable benefit to help attract and retain high-caliber employees. The Standard offers LTD insurance with flexible plan designs and claims management expertise, all at competitive group rates.

Solutions for Employees and Their Family Members

The EAP and WorkLife services provide employees with consultation, information and referrals to community resources for a variety of concerns, including:

• Marital or relationship difficulties
• Stress management
• Troubled children or adolescents
• Parenting issues
• Alcohol and drug use
• Legal and financial problems
• Illness or loss of a loved one
• Depression and anxiety
• Adoption programs

Face-to-Face Counseling Sessions

In addition to unlimited, 24-hour online and telephone access to a HorizonCare member advocate, employees are allotted up to three face-to-face assessment and counseling sessions per year, per issue for the evaluation and short-term treatment of mental health and substance abuse issues. Counseling sessions are provided by Horizon's national network of more than 23,000 licensed providers.

Solutions for Managers

The HorizonCare program includes the following basic services for employers:

• Unlimited management consultation and assistance with experienced professionals, 24 hours a day via a toll-free telephone number, to address human resource matters, regulatory requirements, troubled employees, productivity issues and stressful incidents
• Consultation and assistance with drafting and updating policies related to the Americans with Disabilities Act, Equal Employment Opportunity laws, sexual harassment, and alcohol and drug abuse

In addition, employers can benefit from:

• More than 12,000 management articles
• Monthly management newsletter
• Answers to frequently asked questions
• Reports on program performance
• Management of employee referrals for counseling services

Optional management services, such as workplace seminars, training sessions and group crisis counseling, are also available on a fee-for-service basis.

*Groups with more than 2,500 covered employees have the option to add the EAP to their coverage.