Page 2 - 2017 Trust Brochure

133 South 4th Street Telephone 217.522.5575
Suite #206 Fax 217.789.9115
Springfield, IL 62701 www.ilfi.org

Thank you for your interest in the Illinois League of Financial Institutions Trust. The ILFI Trust has been providing group
health insurance products to Illinois’ thrifts and banks since 1967. In the last nine years alone, $129,000,000 in health
insurance claims has been paid on behalf of employees covered by health plans offered through the ILFI Trust.

You will be pleased to know that the Trustees have completed our negotiations with Blue Cross Blue Shield of Illinois
(BCBSIL) for our 1/1/2017 renewal. Our partnership with BCBSIL continues to offer our members competitive rates in
addition to access to one of the largest provider networks in the nation. BCBSIL has contracted the deepest provider
discounts available in the marketplace while retaining access to the largest number of top facilities in the Chicagoland region
and in downstate Illinois.

We invite all members (past and present) to look seriously at the Trust’s offerings as we believe they represent best medical
plans available in addition to a complete and comprehensive ancillary benefits portfolio offering! In addition ILFI Trust
members will have access (at no cost) to our benefits consultants at Clemens & Associates for advice and assistance in
complying with ACA on an ongoing basis.

For the 2017 calendar year, the Trust will continue to include benefits mandated by the Affordable Care Act (ACA in
its BCSBIL health plan designs). The renewal average increase this year will be 8.4% (which could be different
depending upon the plan chosen) over last year. We will be renewing all current (8) health plans offerings with
BCSBIL.

In addition to our very broad and stable medical offering, we also have very positive news on the rates concerning our
ancillary product portfolio for 2017:
n The Dental carrier for 2017 will be BCBSIL Rates increase by 7%.
n The vision carrier for 2017 will be VSP Rates will not increase.
n The life carrier for 2017 (Vol. & Employer paid) will be Dearborn National Rates will not increase.
n The disability (STD & LTD) carrier for 2017 will be Dearborn National Rates will not increase.

As a reminder, we have contracted with Benefits Connect to assist our members with online benefit management and
eligibility enrollment. Not only will this tool assist your organization in managing your benefit offerings it will also serve as
a means to help your institute stay in full compliance with the dictates of the Affordable Care Act. Full implementation of
the system will be occurring in the last quarter of this year. Details and education on its use will be provided at our member
seminars scheduled for the first week of October.

We encourage you and your organization to utilize all of the ILFI Trust’s expertise and services to plan your institution’s
future strategies as we wind our way toward the full implementation of the Affordable Care Act. All of the Trust’s contact
information can be located on the back of this brochure.

Sincerely,

Dane H. Cleven, Chairman