· Company Contribution

Beginning in January 2003, the company contribution for health insurance will be 75% of the premium cost. An employee can earn an additional 5% contribution, or 80% total, by participating in the wellness screening the previous calendar year. If you have family coverage both you and your spouse must participate to qualify for the additional 5%.

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· Claims

Prescriptions, doctor bills, etc., for the year 2001 must be submitted prior to March 31, 2002. You have 3 months after the year-end to submit 2001 claims. Eligible expenses incurred during October, November and December which are applied toward this year’s deductible will also be applied toward next year’s deductible. Co-insurance and maximum out-of- pocket expenses do not carry forward. The co-pay for office visits DOES NOT apply toward deductible or co-insurance.

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· Pre-certification

Planned inpatient admissions must be reported to Wellmark Administrators (800-344-5822) prior to the actual admission. Emergency admissions must be reported within 24 hours following the date of admission. Failure to call will result in reduced benefits. Most hospitals will do this for you, but you are responsible for any penalty for failure to pre-certify.

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· Prior Approval

Certain services require prior approval from Wellmark Administrators before the service is provided. Failure to obtain a prior approval will result in reduced benefits. Some services requiring prior approval include hospice services, home health care, private duty nursing, home infusion therapy, and organ transplants. A complete list of these services, and applicable penalties, are listed in the benefit summary of the Group Health Benefit Booklet.

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· Prescription Coverage (Including Mail-Order    
  Drug Plan)

Ø Pay the full cost of the prescription drug and submit the receipt to Wellmark Administrators for reimbursement.

Ø Prescriptions are first subject to the calendar year deductible.

Ø After calendar year deductible is satisfied, prescriptions are covered at 80%.

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· Qualified Dependents

Ø Unmarried children under age 19

Ø Unmarried children 19 but under the age of 25 if a full-time student in an accredited institution and taking the proper number of credits to qualify as a full-time student.

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· Explanation of Benefits (EOB)

Due to the new Privacy Laws, beginning January 2002, employers will no longer have access to any employee EOB’s. This means you will need to take a major role in reviewing your own EOB’s. Please review every EOB you receive from the Group Health Plan for any type of error. If you discover a mistake or have questions, contact Frank Heinen in the Brooklyn Office immediately.

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· Cobra

On page 13 of your Health Benefit Booklet you will find the criteria for COBRA. It is your responsibility to notify Frank Heinen or Diane Kilmer within sixty (60) days if you become divorced or legally separated, or a dependent child ceases to be an eligible dependent as defined by this Plan.

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WELLNESS

· Beginning in January 2003, the company contribution for health insurance will be 75% of the premium cost – single or family.

· You can earn an additional 5% contribution, or 80% total, by participating in the wellness screening.

· If you participate in Wellness during 2002, you will be eligible to receive an 80% company contribution during 2003.

· If your spouse is covered under Manatts Group Health Plan, both you and your spouse must participate in Wellness to qualify for the additional 5%.

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CAFETERIA (FLEX) PLAN

· All unreimbursed medical claims and dependent care claims (when applicable) for the year 2001 must be submitted to Bev Vaverka within 60 days from the end of the year or prior to February 28, 2002.

· Flex claim forms are available from your local office. Complete the claim form and attach an eligible receipt. Cash receipts, cash register tapes, cancelled checks or credit card receipts are NOT eligible receipts.

· Flex checks are written on the 15^th of each month. You must have your claims submitted to Bev at least 3 business days prior to the 15^th.

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SHORT TERM DISABILITY

· Effective January 1, 2002, the short- term disability benefit amount will be raised to $250.00 per week for a disability due to illness or injury incurred off the job.

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401K REPLACEMENT PIN# PROCEDURE

· A request for a PIN# replacement must be done via telephone.

· Dial the 800 phone number (1-800-258-2715).

· Enter your social security number.

· Enter your PIN#.

· Listen to the instructions on what to do if you do not know your PIN#.

· A request will be made for you to enter a couple of numbers.

· A new PIN# will be sent to your home address within 2 working days.

· You will not be able to access your account until you receive your PIN#.

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ADDRESS CHANGES – DEPENDENT STATUS CHANGES

· Contact Diane Kilmer with any address or dependent status changes. It is very important to keep our files correct for all mail correspondence, processing of forms, and claim information.

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ONLINE BENEFIT INFORMATION

· If you have access to the World Wide Web, you can view all the benefit information and SPD's online at http://www.manatts.com.  To access these documents you must sign into the corporate intranet.  If you do not have a valid username and/or password, contact Nate Hopwood in Brooklyn to get set up.  Nate’s email address is nateh@manatts.com or call him in Brooklyn at 641-522-9206 ext 276.

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