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Employee Group Insurance Renewals <br />October 3, 2011 <br />Page 2 <br />Life Insurance <br />Insurance Coverage <br />Current Insurance <br />Insurance <br />Percent Change <br />Employee <br />Rate <br />Renewal Rate <br />0.0% <br />Life Insurance <br />$0.10 per $1000 <br />$0.102 per $1000 <br />2.0% <br />Accidental Death & <br />$0.0285 per $1000 <br />$0.020 per $1000 <br />-29.8% <br />Dismemberment <br />Long -Term Disability <br />Group Coverage <br />Current Insurance <br />Insurance <br />Percent Change <br />Employee <br />Rate <br />Renewal Rate <br />0.0% <br />Management <br />$0.57 per $100 <br />$0.352 per $100 <br />-38.2% <br />Employees <br />$8.78 <br />$8.78 <br />0.0% <br />130 day wait <br />Employees <br />$15.93 <br />$15.93 <br />0.0% <br />60 day wait <br />Dental Plans <br />The contract with Safeguard is up for renewal. Safeguard has agreed to renew our contract for a <br />period of one year with no rate increase. We are currently in the second year of a two -year <br />contract with Delta Dental, and there will be no rate increase. <br />Type of Coverage <br />Safeguard Dental <br />Current Rate <br />Safeguard Dental <br />Rate 2012 <br />Percent <br />Change <br />Employee <br />$25.28 <br />$25.28 <br />0.0% <br />Employee Plus Family <br />$43.22 <br />$43.22 <br />0.0% <br />25A -2 <br />