Planning for your future is another example of how you and the Company share responsibility for success.

401(K) Plan
This plan allows you to save for retirement by setting aside eligible earnings from your paycheck on a pre-tax basis. Many options are available, and your earnings accumulate tax-free until they are distributed to you. In addition, you are eligible for the company match after you complete one year of service. The Company matches 100% on the first 6% of pay you contribute! You can contribute from 1% to 60% of pay up to IRS limits.

Retiree Medical Spending Account
We offer retiree medical spending accounts for associates age 40 and older. A $500 credit (prorated for part-time associates) will be added to your account each year after age 40, which will grow with interest based each year on a 10-year U.S. Treasury Security. Upon retirement at age 55 or later with 15 years of service, you have access to the money in this account to help pay for your retiree health care premiums (medical, dental and vision). Regardless of your medical condition, upon retirement, you have access to coverage by enrolling in the Company's group retiree health care plan.

Employee Stock Purchase Plan (ESPP)
As a public company, we have the opportunity to share our success through stock ownership. Our ESPP offers you the opportunity to purchase WellPoint stock at a discount through payroll deduction. Your contributions are used to buy stock at the end of a three-month period. The price you pay is the lower of the stock price on the first day or the last day of the offering period minus 15%.

Long-Term Disability
Long-Term Disability (LTD) benefits protect you if your approved disability lasts longer than 180 days. Your LTD benefits are paid for on an after-tax basis; therefore, if you become disabled, the benefit you receive will be tax-free. LTD benefits are calculated on 50 or 60% of base pay, excluding bonuses and other pay.

Associate Life/Accidental Death and Dismemberment (AD&D) Insurance
Your life insurance election automatically includes an equal amount of AD&D coverage. If you suffer a serious injury as the result of a covered accident, AD&D pays you a benefit.

Dependent Life Insurance
Dependent life insurance provides you with financial protection in the event of the death of your spouse or child. You pay the full cost of any dependent life insurance you elect on an after-tax basis.

Financial Education
To help build your knowledge of personal finance, we offer periodic seminars on a number of relevant topics. You can also take advantage of a free session with an American Express Financial Advisor who is familiar with the Company's savings vehicles and can help you determine which options are right for you.

Savings Bonds
We offer you the opportunity to purchase up to $15,000 in Series EE savings bonds and $30,000 of I Bonds through payroll deduction. After enough funds have been deducted, the bond is issued and mailed to your home.