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<br />Employee Group Insurance Renewals <br />August 18, 2008 <br />Page 2 <br /> <br />Long-Term Disability <br /> <br />Group Coverage Current Insurance Percent Change <br /> Insurance Rate Renewal Rate <br />Management $0.78 per $100 $0.78 per $100 0.0% <br />Employees $10.39 $10.39 0.0% <br />130 day wait <br />Employees $15.93 $15.93 0.0% <br />60 day wait <br /> <br />Dental Plans <br /> <br />We are currently in the final year of a two year contract with Delta <br />Dental and the final year of a three year contract with Safeguard Dental. <br />However the contract with United Healthcare Dental is up for renewal and <br />these rates will decrease approximately 2% for employee only coverage and <br />approximately 10% for family coverage and are guaranteed for a period of <br />one year. <br /> <br />Type of Coverage United HealthCare United HealthCare Percent Change <br /> Current Rate Rate 2009 <br />Employee $26.99 $26.48 -1.9% <br />Employee Plus $58.03 $52.96 -9.6% <br />Family <br /> <br />CalPERS Health Program <br /> <br />The CalPERS Health Program medical rates will result in an overall <br />premium increase of 4.3 percent for its entire health care package of <br />plans. This increase is 2.3 percent lower than the overall 2008 rate <br />increase and the smallest increase in a decade. There are no changes <br />being made to benefits or co-payments. Basic premiums for Kaiser will <br />increase by 8.2 percent, while the PPO rates will decline slightly. The <br />rates fall well below national projections of nearly 10 percent for 2009 <br />medical costs. <br /> <br />25K-2 <br />