New System Capabilities
FCL is pleased to announce that on February 9, 2009, the following new capabilities were implemented:

• Ability to Quote all products in the Field up to 300 Lives
  This capability allows you to quote more products and plan combinations without having to send the request to FCL underwriting! When you access your quoting tool, you will see what you can quote. Key additions in this release are Voluntary Group Term Life, Voluntary Short-Term Disability, Voluntary AD&D, as well as additional Community Rated dental plans.
• Consolidated Employer Application (Large Group only)
  You can now present one employer application to a group for signature, rather than multiple applications, if you’re selling combined new health and at least one ancillary product! For Large Group 51+, you may receive an automated consolidated health and ancillary employer application if the criteria have been met (new health and ancillary). Please note that all the current stand-alone employer applications are still available for use. A consolidated employer application for Small Group is currently in works. We will communicate when it is ready.

FSA Proposal on the Web
As previously communicated in a Breaking NewsfromBlue, the FCL Flexible Spending Account proposal is now available to you on accessBlue. Simply go out to accessBlue under Sales and Support Materials, Financial Programs, and you will find a writeable pdf version of the FSA proposal. Enter the Company Name, Effective Date of the Proposal, and Your Name on the cover page, and it's done. You're ready to print it and present to your client. Please be aware that, due to Adobe restrictions, unless you have Adobe Professional, you will be unable to save your customized FSA proposal.

Oral Health and the Total Health Connection
BCBSF and Florida Combined Life (FCL) are engaged in a joint effort to promote the benefits of good oral health to customers enrolled in both our health and dental plans.

The connection between oral health and overall health is clear – from heart disease and cholesterol levels, to diabetes and prenatal health, dental care has an impact on total health and well-being. For example, periodontal (gum) disease has been associated with a higher overall rate of heart disease, and healthy gums are connected to lower cholesterol levels. Also, treatment of periodontal disease has been shown to improve the control of blood sugar levels in diabetics. Finally, pregnant women with periodontal disease may be more likely to deliver preterm, low-birth weight babies, but the right dental treatment may minimize their risk.

The Total Health project will use a variety of tools to educate, inform and encourage compliance with recognized standards of good oral health, particularly targeted to customers in three condition categories: Diabetes, Coronary Artery Disease and Maternity. The project is expected to officially kick-off in March and continue throughout 2009 and beyond.

Look for more information and updates on this exciting project in upcoming editions of NewsfromBlue.

Educate Your Customers About the Impact of Social Security Workload on Disability Insurance
See the attached article outlining the impact of the Social Security Administration’s drop in staffing, as well as budget constraints, on disability insurance. As a result, it is more important than ever for employers to offer long-term disability insurance, such as our BlueRestore^SM disability products, to help their employees remain financially stable should a disability occur.