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Subject: ALL US EMPLOYEES
Date: Fri, 9 Mar 2007 20:15:01 -0700
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Thread-Topic: ALL US EMPLOYEES
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From: "Trudy Schapansky" <Trudy.Schapansky@onstor.com>
To: "org-All Employees" <org-all@onstor.com>

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To ALL US Employees:

PLEASE READ THIS, if you are planning on having major dental work:

As you know, we've been working with our brokers to prepare for the OPEN
ENROLLMENT meeting on THURSDAY, March 15.  There will be things to tell
you about, but one of them is time sensitive so I wanted to give you as
much advance notice as possible. =20

Based on the feedback from some of you regarding dental networks, we
have decided to stay with Delta Dental for another year.  However,
because we have continued to grow (over 100 employees) we now qualify
for better pricing through Delta's Large Group plans.  We will be moving
to their large group plan effective April 1, 2007.  =20

So, what does that mean for you?

You have a one-time only opportunity to "double-dip" on your dental plan
benefit in 2007 only!  Dental plan benefits are generally provided on a
calendar year basis (January 1st to December 31st); the amount of our
current calendar year benefit is $1,500 and there is also a calendar
year deductible.  Double-dipping for 2007 only means, effective April 1,
2007, you will have a new calendar year deductible of $1,500 to use
through December 31, 2007.  If you have already taken advantage of all
of or any portion of the calendar year benefit between January 1, 2007
to date, that is the bonus!

Example: =20
Benefit available on January 1, 2007 is $1,500.00. =20
Effective April 1, 2007, you will get a new calendar benefit amount of
$1,500
Total benefit available to you for 2007 is $3,000

What's the catch? The first $1,500 benefit amount only applies to dates
of service between January 1, 2007 through March 31, 2007, as April 1st
the calendar benefit resets when we move to the large group plan.  On
April 1st a new $1,500 benefit becomes available to you through the new
plan.

Why am I telling you this now?  Because I want you to take advantage of
the "double-dip" so if you can schedule time to see your dentist prior
to April 1st you can maximize on the opportunity.

Let me know if there are questions.

Trudy


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<P DIR=3DLTR><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">To</FONT></B></SPAN><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B> <FONT SIZE=3D2 FACE=3D"Palatino Linotype">ALL =
US</FONT></B></SPAN><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B><FONT SIZE=3D2 FACE=3D"Palatino Linotype"> =
Employees:</FONT></B></SPAN><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B></B></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B><FONT SIZE=3D2 FACE=3D"Palatino Linotype">PLEASE READ =
THIS</FONT></B></SPAN><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B><FONT SIZE=3D2 FACE=3D"Palatino Linotype">, =
i</FONT></B></SPAN><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B><FONT SIZE=3D2 FACE=3D"Palatino Linotype">f you are =
planning on having major dental work</FONT></B></SPAN><SPAN =
LANG=3D"en-us"><B></B></SPAN><SPAN LANG=3D"en-us"><B><FONT SIZE=3D2 =
FACE=3D"Palatino Linotype">:</FONT></B></SPAN><SPAN =
LANG=3D"en-us"><B></B></SPAN><SPAN LANG=3D"en-us"><B></B></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">As you know, we&#8217;ve been working with our brokers to =
prepare for the</FONT></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"> <FONT SIZE=3D2 FACE=3D"Palatino Linotype">OPEN =
ENROLLMENT</FONT></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino Linotype"> =
meeting</FONT></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"> =
<FONT SIZE=3D2 FACE=3D"Palatino Linotype">on THURSDAY, March =
15</FONT></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"><FONT =
SIZE=3D2 FACE=3D"Palatino Linotype">.&nbsp; There</FONT></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"> <FONT SIZE=3D2 =
FACE=3D"Palatino Linotype">will be</FONT></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"><FONT SIZE=3D2 =
FACE=3D"Palatino Linotype"> things to tell you about, but one of them =
is</FONT></SPAN><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B> <FONT SIZE=3D2 FACE=3D"Palatino Linotype">time =
sensitive</FONT></B></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino Linotype"> so I wanted to =
give you as much advance notice as possible.&nbsp; </FONT></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">Based on the feedback from some of you regarding dental =
networks, we have decided to stay with Delta Dental for another =
year.&nbsp;</FONT></SPAN><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B> <FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">However</FONT></B></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino Linotype">, because we =
have continued to grow (over 100 employees) we now qualify for better =
pricing through Delta&#8217;s Large Group plans</FONT></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"><FONT SIZE=3D2 =
FACE=3D"Palatino Linotype">.&nbsp; We</FONT></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"> <FONT SIZE=3D2 =
FACE=3D"Palatino Linotype">will be moving to their large group plan =
effective April 1, 2007.&nbsp;&nbsp;</FONT></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"> </SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B><U></U></B></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B><U><FONT SIZE=3D2 FACE=3D"Palatino Linotype">So, what =
does that mean for you?</FONT></U></B></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><B></B></SPAN><SPAN =
LANG=3D"en-us"><B><FONT SIZE=3D2 FACE=3D"Palatino Linotype">You have a =
one-time only opportunity to &#8220;double-dip&#8221; on your dental =
plan benefit in 2007 only!</FONT></B></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"><FONT SIZE=3D2 =
FACE=3D"Palatino Linotype">&nbsp; Dental plan benefits are generally =
provided on a calendar year basis (January 1</FONT></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"><SUP><FONT SIZE=3D2 =
FACE=3D"Palatino Linotype">st</FONT></SUP></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"><FONT SIZE=3D2 =
FACE=3D"Palatino Linotype"> to December 31</FONT></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"><SUP><FONT SIZE=3D2 =
FACE=3D"Palatino Linotype">st</FONT></SUP></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"><FONT SIZE=3D2 =
FACE=3D"Palatino Linotype">); the amount of our current calendar year =
benefit is $1,500 and there is also a calendar year deductible.&nbsp; =
Double-dipping for 2007 only means, effective April 1, 2007, you will =
have a new calendar year deductible of $1,500 to use through December =
31, 2007.&nbsp; If you have already taken advantage of all of or any =
portion of the calendar year benefit between January 1, 2007 to date, =
that is the bonus!</FONT></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><B><I></I></B></SPAN><SPAN =
LANG=3D"en-us"><B><I><U><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">Example:&nbsp; </FONT></U></I></B></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"><FONT =
SIZE=3D2 FACE=3D"Palatino Linotype">Benefit available on January 1, 2007 =
is $1,500.00.&nbsp; </FONT></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">Effective April 1, 2007, you will get a new calendar benefit =
amount of $1,500</FONT></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">Total benefit available to you for 2007 is =
$3,000</FONT></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">What&#8217;s the catch? The first $1,500 benefit amount only =
applies to dates of service between January 1, 2007 through March 31, =
2007, as April 1</FONT></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"><SUP><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">st</FONT></SUP></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino Linotype"> the calendar =
benefit resets when we move to the large group plan.&nbsp; On April =
1</FONT></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"><SUP><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">st</FONT></SUP></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino Linotype"> a new $1,500 =
benefit becomes available to you through the new plan.</FONT></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><B><FONT FACE=3D"Palatino =
Linotype">Why am I telling you this now?</FONT></B></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"><FONT SIZE=3D2 =
FACE=3D"Palatino Linotype">&nbsp; Because I want you to take advantage =
of the &#8220;double-dip&#8221; so if you can schedule time to see your =
dentist prior to April 1</FONT></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"><SUP><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">st</FONT></SUP></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino Linotype"> you can =
maximize on the opportunity.</FONT></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">Let me know if there are questions.</FONT></SPAN><SPAN =
LANG=3D"en-us"></SPAN><SPAN LANG=3D"en-us"></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"><FONT SIZE=3D2 FACE=3D"Palatino =
Linotype">Trudy</FONT></SPAN><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"></SPAN></P>

<P DIR=3DLTR><SPAN LANG=3D"en-us"></SPAN><SPAN =
LANG=3D"en-us"></SPAN></P>

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