DON'T FORGET THE 9:00 AND 10:30 MEETINGS THIS MORNING.  BE THERE AND BE
INFORMED.

SANDI

IF YOU ARE PRESENTLY ON EITHER THE LIFEGUARD OR NORTHWESTERN NATIONAL LIFE
(NWNL) GROUP MEDICAL INSURANCE PLANS, OR IF YOU PLAN TO CHANGE TO THE NWNL
HEALTH PLAN, YOU SHOULD HAVE BEEN AT ONE OF THE MEETINGS ON LAST FRIDAY AND
RECEIVED INFORMATION AND AN INSURANCE PACKET.  IF YOU HAVEN'T RECEIVED A
PACKET, PLEASE OBTAIN ONE FROM HUMAN RESOURCES.

THERE ARE EXPLANATIONS FOR TWO TYPES OF HEALTH INSURANCES INSIDE, THE PREFERRED
PROVIDER ORGANIZATION (PPO) AND THE EXCLUSIVE PROVIDER ORGANIZATION (EPO).
BOTH ARE UNDER THE NWNL PLAN.  THERE ARE ALSO INSURANCE ENROLLMENT FORMS FOR
EACH ONE.  YOU MUST DECIDE WHAT TYPE OF INSURANCE YOU WANT, EITHER THE PPO OR
EPO, AND RETURN THE APPROPRIATE FORM TO HUMAN RESOURCES BY MONDAY, JANUARY 28.

ALL OTHER EMPLOYEES (KAISER EMPLOYEES OR EMPLOYEES WITH JUST DENTAL COVERAGE)
MUST COMPLETE AN ENROLLMENT FORM ALSO FOR THIS IS A RE-ENROLLMENT PERIOD FOR
ALL EMPLOYEES.  NWNL IS OUR INSURANCE CARRIER FOR LIFE INSURANCE AND ACCIDENTAL
DEATH AND DISMEMBERMENT INSURANCE AS WELL AS MEDICAL AND DENTAL.

ALL FORMS SHOULD BE RETURNED TO H.R. AS SOON AS POSSIBLE BUT NO LATER THAN
JANUARY 28 FOR THESE CHANGES TO BECOME EFFECTIVE BY FEBRUARY 2.

REMEMBER, THIS RE-ENROLLMENT PERIOD INVOLVES EVERYONE!

SANDI

O.K.  FOR ALL OF YOU WHO SHOULD HAVE BEEN AT ONE OF LAST FRIDAY'S HEALTH
INSURANCE MEETINGS BUT WEREN'T, OR FOR THOSE OF YOU WHO WERE THERE BUT ARE
STILL CONFUSED OR HAVE QUESTIONS, THEN HERE IS YOUR LAST CHANCE.  A NWNL
REPRESENTATIVE WILL AGAIN BE IN THE CAFETERIA TOMORROW FROM 10:00 TIL NOON TO
ANSWER YOUR QUESTIONS.  THIS IS NOT A MEETING, BUT A COME-AS-YOU-ARE-WHEN-YOU-
CAN TYPE OF THING.

NO MORE EXCUSES ABOUT WHY YOU COULDN'T OR WOULDN'T ATTEND THE MEETINGS LAST
WEEK.  THIS IS IT!

SANDI

There are a LARGE number of employees who have not completed insurance
re-enrollment cards and returned them to Human Resources.

It is necessary for ALL EMPLOYEES to complete an enrollment form before the end
of today.  If you are a Kaiser subscriber you need to complete the re-
enrollment form for dental coverage under Northwestern National.  If you are
an existing Northwestern subscriber, you need to complete the re-enrollment
form for medical and dental.  If you are currently covered under Lifeguard, you
need to complete an enrollment form for one of the Northwestern plans or
Kaiser.

If you have questions, please contact either Sandi or myself or stop by the
cafeteria between 10:00 am an Noon and talk to the Northwestern National
representative.

cynde

REMINDER ALL EMPLOYEES MUST COMPLETE AN INSURANCE ENROLLMENT FORM BEFORE THE
END OF TODAY (Friday, January 25).