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2

Table of Contents

Contact Information.......................................................................................

.............................. 3

Employee Assistance Program.....................................................................

.............................. 4

Health Reimbursement Arrangements..........................................................

.............................. 5

Plan Costs as of April 1, 2016..................................................................................................... 6

Health Insurance...........................................................................................

.............................. 7

Dental Insurance.........................................................................................

.............................. 29

Vision Insurance .........................................................................................

.............................. 33

Group Term Life..........................................................................................

.............................. 34

Group Voluntary Term Life..........................................................................

.............................. 37

Group Short Term Disability........................................................................

.............................. 44

Group Long Term Disability ........................................................................

.............................. 48

Flexible Spending Account .........................................................................

.............................. 53

Accidental Insurance................................................................................................................. 59

Cancer Insurance........................................................................................

.............................. 61

Critical Illness Insurance .............................................................................

.............................. 68

Hospital Indemnity Insurance......................................................................

.............................. 76

Notices ........................................................................................................

.............................. 83