Benefits 2000 _________________________

You may elect to participate in one, both, or neither of these accounts.

Eligibility Period

If you are a new associate or have just become eligible for benefits, you may participate in either Flexible Spending Account on the first of the next month after you have completed 28 days of service. Eligible expenses incurred on or after the effective date through December 31 of the current year are eligible for reimbursement under this plan. All other participating associates may submit expenses incurred from January 1 through December 31 of the current year.

The Health Care Account lets you use before-tax dollars to reimburse yourself for certain health care expenses. When you put money in this account, you don't pay federal income or FICA taxes on that money (or state taxes either in most cases). Instead, the money you would have paid in taxes goes straight to you. You can choose whether or not to participate in this Account.

Who Can Be Covered

You don't have to be enrolled in the Health Alliance Medical or Dental plans to use this account. You can use the account to pay out-of-pocket expenses incurred under another employer's medical plan.

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[ Eligible and Ineligible Health Care Expenses ]

Benefits 2000 __________________________

The Health Alliance provides basic life insurance to you as a core benefit (see the section Basic Life Insurance Plan). You may also buy supplemental life insurance if you need additional coverage.

Coverage Options

You have several coverage options under the Supplemental Life Insurance Plan. The options depend on whether you are a full-time or a part-time associate:

If your coverage amount is more than $500,000 or if you elect 4 x or 5 x pay, you will be required to provide proof of insurability by completing a form available from your Human Resources department. The same proofs of insurability apply if you increase your coverage by more than one level (such as going from 1x to 3x pay).

In some cases, the insurance carrier may ask you to have a physical examination. Costs are paid by the insurance carrier for physical examinations required on associates who enroll in the supplemental coverage when they first become eligible. Associates who enroll during a later enrollment period will be responsible for all costs associated with required physical examinations.

Under this plan, pay is your base rate of pay at the beginning of the plan year. It doesn't include shift differential, overtime, or other special pay.

If you die while covered under supplemental life, your beneficiary will receive a one-time payment of the amount available under the option you chose.

Your Beneficiary

You can select anyone to be your beneficiary under supplemental life. You'll need to fill out the appropriate beneficiary section on your enrollment form or complete a Change of Beneficiary form when you wish to make a change. The Change of Beneficiary form can be found in your Human Resources department or the Human Resources section of the Health Alliance Intranet.

Cost of Coverage

Your bi-weekly cost for supplemental life is based on your age and the amount of coverage you elect. Refer to the cost sheet insert for specific premium amounts. The cost is deducted on an after-tax basis from every bi-weekly paycheck during the covered period.

Note: This benefit is available to you through age 69.

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[ More Info & Other Types of Insurance ]