Page 4 - 2017 Trust Brochure

Clemens & Associates

CLEMENS & ASSOCIATES

CORPORATE • PRIVATE • PUBLIC
ILFI BENEFIT CONSULTANTS

As a valued member of the Illinois League of Financial Institutions Trust you will have direct access to our benefits consultants
at Clemens and Associates who have been retained by our Trust at no additional cost to our members.

Clemens and Associates provides the ILFI Trust an unparalleled advantage of local market knowledge, cost-efficient methods
and access to experts on innovations and compliance. Today’s health and benefit solutions require in-depth knowledge of global and
local markets that can be leveraged by access to innovative solutions, support for legislative compliance and an efficient operating
platform. Whether your organization is located in one market, multiple regions or spans the United States, Clemens and Associates
delivers health, financial security, work/life, voluntary and other benefits programs that are modern and cost-effective. As one of the
largest consulting/brokerage firms in the State of Illinois, Clemens and Associates is uniquely positioned to study and comprehend
the intricacies of the ILFI Trust and design a benefit strategy matching your bank’s needs to the array of options the Trust provides.

Suite of Services
 Our strategies always start from the most essential element, people. Each member of our benefits team is
an experienced consultant, drawing upon years of experience working with a diverse set of clients. We are familiar
with issues common within the financial services industry bringing innovative solutions to the table derived from our
experiences in other industries. We pride ourselves in identifying, often overlooked, details that can make a difference
in your benefit strategy.

 In addition our firm has retained the services of the one of the states most respected ACA and ERISA attorneys.
His consultation is also included at no additional cost to our members.

 All health and benefit programs require an annual performance assessment, benchmarking against best
practice, pricing, program marketing and renewal, communication, compliance and financial reporting. Clemens and
Associates provides a comprehensive approach to all aspects of plan management. Where appropriate, we bundle
this solution with administrative support for enrollment, billing and customer service. In other instances, we provide a
project-based approach.

 The ILFI Trust invite’s its members to be more engaged in understanding and managing their health risks,
choosing the best plans and products offered by the Trust, participating in care management programs and managing
their current post-retirement benefit decisions while understanding the significant investment the ILFI Trust makes in
them. Clemens and Associates provides a full range of assistance from standardized programs for smaller employers
to highly customized programs that match the ILFI Trust’s particular products.

In lean economic times the ILFI Trust wants you to have access to the most efficient way of enrolling employees, managing
employee life event changes and reporting eligibility to carriers. Timeliness and accuracy are critical to ensuring that claims
are paid correctly for participants who are truly eligible for the plan. During the last quarter of 2016 we will be introducing
Benefits Connected for online enrollment and benefits administration services.

Clemens and Associates will aid ILFI Trust members with planning, strategy, benchmarking, design, communication,
compliance and administration.

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