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To begin, did you make it to the meeting where they explained the program?  No? Well that's why I’m here. To remind you, You returned this card. (Show 2 - Certificate) Now, Joe is that your handwriting or Mary is that yours?  This is the letter you received from the union (Show 1 - Letter   All it’s really saying is that a representative, “that’s me,” will call you to deliver your certificate of coverage, witness your beneficiary designation and register you for your permanent benefits. I know it's been awhile since you sent this in. The reason is we have thousands of members sending back their request for benefits. My job is simple.  It’s really only two parts.  First, to go over the no-cost benefits that you are entitled to. The second is to help you enroll in your permanent benefits, if you qualify for them. Let me put in your info to activate your benefits.  NO COST BENEFITS AND REFERRAL COLLECTION AD&D (Show 2 - Certificate) Here’s the Accidental Death and Dismemberment benefit that your letter talked about.  Joe, if you die in an accident this pays $10,000 to the beneficiary. This pays as a living benefit as well.  It will pay you $10,000 for a double dismemberment or half the amount for a single dismemberment.  I know that $10,000 won’t pay for your whole funeral, but it will definitely help, right?  If something happened to the both of you, who do you want your contingent beneficiary to be?  Who would be your tertiary or 3rd in line? Great, now I’m not sure if you are aware of this or not, but millions of dollars of life insurance goes unclaimed every year because the family either doesn’t know about it or how to claim it. For this reason, I am going to send out a quick text to these people and include you in it.  All I need you to do is like it, heart it, give it a thumbs up, etc. so they know it's coming from you. (Send a text message to each person separately but include the insured on each one.) Last thing you need are 3 emergency contacts. These are three different people that will be responsible to help contact the beneficiary.  (Collect emergency contacts)  AIL PLUS The next no cost benefit is the AIL Plus discount program designed to work in conjunction with your medical insurance to help with out-of-pocket medical costs. (Review AIL discount list On Screen) (Highlight Prescription, Vision and Dental.) You will receive a member number and ID in your email in about 7 to 14 business days. EAPP Now what’s great is everyone you listed will automatically receive a no-cost Accidental Death & Dismemberment policy & a Medical Discount card. They allow you to sponsor up to 10 People at no cost.  You used 5, so you have 5 left. So, who’s First? Who’s next? NEEDS ANALYSIS SURVEY  The second part of the program is so important that they decided to set it up on a one on one basis. It used to be that they would make everyone come to a meeting and choose from two to three programs. The problem with that is not everyone's the same. What was right for the last family I enrolled will be different from you and the next family that tries to qualify. So, what they decided to do is make the benefits individualized and customized to each family. That’s why these are so popular with all the members. Unfortunately, you do have to qualify for them so let me ask you a few medical questions to see where you’re at. <Proceed to Survey questions>  READ OFF LETTER   This is so important that they actually put together a letter for you that explains how your benefits work, why they set them up and what’s to come. Pull up Group Read Off Letter (share screen) (Read Paragraph 1 and 2) What that means is that the benefits you have through work are tied to your employment, so if you retire, get fired, or leave that position, you lose those benefits. Did you know that? Ok, that’s exactly why your union set these up for you. All the last part states is this is your open enrollment and if the benefits make sense, fit a need and you can qualify for them, enroll today in fairness to all the other members waiting to enroll. So yes or no, either way they just need a decision made today. Does that make sense? Perfect, they just don’t want to get to the end of it all and have you say something silly like can I think about it. Which would be silly because it's your open enrollment. Does that make sense ?