March 11, 2002:    Dear Co-workers,

Planning for the unpredictable, or facing a situation we haven't planned for and never expected to face, can be unsettling.  Needing long term care could be one of those situations and is more common than you think.  It's not just elderly people that need care.  Trauma victims, patients recovering from serious illness and surgery, and people with terminal illnesses may need help with day to day activities and may require long term care.

How would you pay for this type of care?  You may think your medical insurance or disability plan would cover long term care expenses.  Chances are, they won't.

To help you plan and prepare, at any age, we are pleased to offer Long Term Care insurance from Unum Life Insurance Company of America. 

If you found yourself needing long term care, you may want to ask yourself...

            What kind of care do I want?

            Where would I want to receive the care?

            How much money would I want to spend for care?

Answering these questions will help you to understand the choices you have and will aid you when making your decision.

Your Long Term Care insurance Committee has selected Unum Life Insurance Company of America to provide this insurance. As the world leader in income and lifestyle protection, UnumProvident draws on 150 years of experience and expertise.¹

Enrollment meetings will occur on

04/15/2002 in the Monona Grove High School Auditorium (3:45p.m.)

04/17/2002 in the Cottage Grove School Large Group Instruction Room (3:45p.m.).  You will have the opportunity to see a presentation of the plan and speak with a UnumProvident representative.  Enrollment kits will be available at the meeting.

You’ll be receiving additional details about UnumProvident’s LTC plan in the coming weeks.  This information will help you make an informed decision about the new benefit.

We encourage you to carefully consider this opportunity to protect yourself and your family from the financial hardships that could result from a long term care situation.

Regards,    YOUR LONG TERM CARE INSURNACE COMMITTEE

Scott Amera, Bill Breisch, Phil Dowling, Annette Eisman,Tracy Ellingson, Georgie Giese, Lynn Hammersly,  Bill Herman, John Kitslaar, Tom Tetzloff, Steve Wendorff

Consultant:  Kevin Clougherty                

Note:  This insurance is completely voluntary, and premiums are paid by each employee.

¹ UnumProvident represents multiple insuring subsidiaries of UnumProvident Corporation, and includes the #1 group and individual income protection carriers in the United States and Canada according to Employee Benefit Plan Review, May 2000, and LIMRA, June 2000.