Well Being

The environment

Protecting the environment is everyone's responsibility. We recognize our obligation to improve our environmental impact and move toward sustainability. CIGNA is committed to minimizing the environmental impact of our business by reducing energy consumption and waste production.

2008 accomplishments

• establishing a commitment statement that clearly communicates and solidifies our resolve toward becoming a better steward of our environment;
• creating a cross-functional/cross-location "green" committee which, while still in its early stages, will educate and engage employees, monitor and track greening efforts, and report carbon footprint metrics;
• initiating an expanded network of volunteers across all sites to improve localized green efforts; and
• educating our employees and communicating on a regular basis, which includes providing a venue for employees to submit questions, tips, suggestions, and best practices, as well as launching an internal website dedicated to sustainability and eco-friendly practices.

We have also accelerated our sustainability efforts in several specific areas of the Company as follows:

Facilities/real estate

• using recycled building materials and recycling old building products (e.g., carpet, ceiling tile, wiring, cabling, aluminum, steel );
• employing low-emitting materials for better indoor air quality;
• optimizing square footage;
• using low-maintenance landscaping with water-saving irrigation systems;
• partial zero-emission vehicles, hybrid models, and more four-cylinder vehicles;
• where possible, installing Energy Star products, efficient lighting solutions, lighting system motion sensors, reflective roofing, variable frequency drives, touchless sinks, and low-flow plumbing fixtures.

Purchasing / printing

• implementing recycling programs at all CIGNA-owned facilities;
• employing an extensive electronic claim management system, which handles more than 70 million claims annually;
• executing approximately 20 million electronic (paperless) transactions per year through online portals for individuals, employers, and health care professionals;
• initiating inventory management systems to reduce printed materials (CIGNA has reduced the number of directories that contain information on health care professionals and facilities from 17.8 million copies in 2001 to 3 million copies in 2007);
• using recycled paper for directories and several collateral products;
• implementing paperless, desktop fax technology within certain operations;
• setting all multi-function, network printers to default to double-sided printing;
• purchasing remanufactured toners and print cartridges, as available, for networked printer and copier devices; and
• shredding/recycling more than four million pounds of office paper annually.

Additional areas of focus

• CIGNA's vehicle fleet exceeds the national average fuel efficiency, and all CIGNA fleet vehicles are capable of using alternative fuel (E85).
• CIGNA has adopted flat panel computer monitors, which create less heat and consume less power than CRT monitors.
• Instead of discarding old technology, wireless equipment, and other fixed assets, CIGNA aggressively works with partners to redeploy technology assets where possible and to recycle, refurbish, or donate fixed assets that cannot be redeployed.
• CIGNA employs video teleconferencing options in multiple offices to reduce the need for travel.
• To reduce commuting activities, CIGNA maintains an active telecommuting program with more than 3,000 employees working full-time from their homes and many more telecommuting or using flexible work arrangements during part of the work week.
• At certain worksites in California, CIGNA participates in a rideshare program to reduce emissions related to employee commutes; in addition, we offer employees a pre-tax incentive for commuters who opt for mass transportation programs in key locations.
• We are working with our food service partners in large sites to improve our cafeterias by reducing the use of plastic and Styrofoam containers, offering shade-grown coffee and reusable coffee mugs, installing dishwashers, and using eco-friendly cleaners/cleansers.

Carbon disclosure

With respect to our carbon footprint, here are key measures we are tracking:

Notes:

⁽¹⁾ The real estate carbon footprint is calculated for domestic locations where CIGNA is responsible for the facility utilities.

⁽²⁾ The carbon footprint resulting from business air and rail travel is currently unknown as our managed travel vendor has not historically tracked this information. In late 2008, CIGNA changed travel management partners and implemented a new online booking tool. As a result of this implementation CIGNA will track air and rail business travel carbon footprint effective January 1, 2009.

• 2007 average number of vehicles in service - 461 (33% Forester, 23% Impala, 8% Malibu, 13% Vibe, 5% ION, 3% Caliber, 15% other)
• 2007 total business miles - 6,496,422
• Average miles per vehicle 2007 - 14,114
• Average miles per gallon 2007 - 23.7, as weighted based upon the number of vehicles per model

• Through CIGNA's IT asset disposition partner, Intechra, in the last 12 months:
• 16,472 units were recycled, which kept 332 tons of "e-Waste" out of landfills
• 5,325 additional units were remarketed
• 0 units were disposed into landfills.
• Our national office paper shredding and recycling program results in over four million pounds of office paper being recycled annually, which results in over 32,000 trees being saved as well as reducing landfill waste.
• Our electronic claim management system handles more than 70 million claims electronically.
• Approximately 70,000 online transactions per business day through our online portals for individuals, employers and health care professionals.
• We have reduced the number of printed directories providing information on health care professionals and facilities from 17.8 million copies in 2001 to 3 million copies in 2007.

Our Commitment: 2009 and Beyond

• Comply with all relevant regulations and legislation.
• Continually seek to improve our environmental performance by:
• Reducing energy and resource consumption effectively and efficiently,
• Minimizing waste and maximizing recycling initiatives, and
• Quantifying and reducing our carbon footprint.
• Partner with communities and organizations to disclose environmental information and support environmental conservation initiatives.
• Improve awareness of our environment and our responsibilities among employees and other stakeholders.
• Recognize our shortcomings and openly work toward improvement.
• Regularly report on our progress and opportunities for improvement.

We know we don't have all the answers today, but we are mindful of tomorrow and are striving toward sustainability.

Charitable giving

In our role as a health advocate, CIGNA reaches out to many charitable organizations that share our goals. Our giving is directed primarily to the area we know best - improving health outcomes.

To ensure that our charitable efforts are strategically directed to have the greatest possible positive impact on the health of individuals, families and communities, CIGNA has designated a separate operational unit, CIGNA Civic Affairs (CCA), to coordinate all charitable giving.

CCA is responsible for administering corporate giving and executing CIGNA's three major enterprise-wide fundraising campaigns: March of Dimes, United Way, and Susan G. Komen for the Cure. CCA also organizes numerous office-based volunteer efforts and supports the individual volunteer and charitable commitments of CIGNA's people.

As a part of its mandate, CCA manages the operations of the CIGNA Foundation, an independent entity providing support to charitable activities that reflect CIGNA's inclusive approach to enhancing the health of individuals and families and the well-being of our communities.

For example, the CIGNA Foundation provides funding for a Health Forum series that stresses the crucial role of ongoing public dialogue in improving health outcomes. The first forum - Improving Health Begins with Understanding - brought doctors, academics and other health professionals together with members of the general public to discuss the importance of clear health communications.

Our charitable giving also recognizes the importance of service and expanding opportunity in building strong communities. When the CIGNA Foundation announced its support of the Washington, D.C. Martin Luther King, Jr. National Memorial http://www.mlkmemorial.org/ in January 2007, it was an important step in the process of creating a permanent memorial in our nation's capital to Dr. King and his legacy of service. As a result of CIGNA's leadership and commitment, the Delaware Valley where CIGNA is headquartered has contributed more than $2 million dollars to inspire future generations with the power of Dr. King's message through this lasting memorial.

More information about all of CIGNA's charitable giving can be found at it's time for a real change and http://www.itstimetofeelbetter.com/listen/community.html

Global perspective

Water for people in India

Clean water and sanitation are widely accepted as the essential foundation to good health around the world. Through a campaign promoting e-learning resources provided by CIGNA University and available to the public on the external website www.itstimetofeelbetter.com, we're offering free, interactive educational programs that make it easier, simpler, and more fun to access and absorb health care information - while at the same time giving people the chance to help others.

An online health education game ( www.itstimetofeelbetter.com/whywater) lets individuals test their health care knowledge. As an incentive, for every three questions a player answers correctly, CIGNA will donate clean water for a day to a student in India. This is made possible through a partnership with Water For People, a non-profit organization that funds safe drinking water and delivers sustainable clean water programs in developing countries. As of December 2008, participants playing our health game enabled us to contribute nearly 55,000 days of clean water to schoolchildren in India.

Response to China's need

CIGNA's employees are spread across the globe, yet time and again they have demonstrated the ability to come together to help others as evidenced by their role in the May 12, 2008 devastating earthquake in China. In a matter of minutes, homes and buildings toppled and schools collapsed. Thousands died, families were torn apart and lives were changed forever. Two of our own employees experienced injury, lost family members and had their homes destroyed.

To respond to this need, every CIGNA operation throughout Asia-Pacific and Europe initiated fund raising campaigns, including the telemarketing team in Indonesia who worked on a national holiday and donated their commission to relief efforts.

In the U.S., we also have a mechanism to show our support for disaster relief and contribute to the cause. CIGNA Civic Affairs provided a donation to earthquake relief and established a special match program for employee donations.

Our efforts showed people around the world that we are unified in our efforts to help support the people of China.

Human rights

On December 10, 1948, the General Assembly of the United Nations adopted and proclaimed the Universal Declaration of Human Rights as the common standard of achievement for all peoples and all nations. As a global health service company, we have our own pledge, which was developed to provide a collective voice for all our employees. It is intended to serve as a compass to guide our actions and achieve our mission of improving health, well-being and security for all those we serve. The pledge is based on the principles that define how we operate internally and how we want external stakeholders to experience CIGNA.

At CIGNA we can't speak for everyone.
But we can speak for ourselves.
Hear this.

You are our partners and customers.
Serving you is a privilege
And a responsibility.
It is our responsibility to be understandable.
It is our responsibility to treat you as real people.
It is our responsibility to help you when you are in need.

We will make the process easier.
So that you may enjoy and manage
The greatest treasure you own: your health.

We will encourage.
We will protect.
We will adapt.
When you need us, you will know us by our names.
We will know you by yours.
And we will do everything within our power to keep you healthy.
Healthy body.
Healthy mind.
And together we will explore possibilities instead of limitations.
A much healthier point of view.

CIGNA:
We are signaling change.

Implicit in these important words is CIGNA's commitment to upholding the principles of Human Rights not only in our U.S. communities, but also across the globe. Our policies and people standards are consistent with the requirements of the Universal Declaration on Human Rights (UDHR).