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<font face="Verdana" size="2">1471 Highland Avenue</font></b></p>
<p style="margin-top: 1; margin-bottom: 1"><b>
<font face="Verdana" size="2"> Needham, MA 02492<br>
Phone - 781-455-7500<br>
Fax - 781-449-4569</font></b><p style="margin-top: 1; margin-bottom: 1">
<b><font face="Verdana" size="2">Email: </font></b>
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<p></p>
<p align="center" style="margin-top: 1; margin-bottom: 1"><b>
<font face="Verdana" size="5" color="#0000FF">FY07 Group Insurance Open
Enrollment</font></b></p>
<p align="center"></p>
<p align="center"></p>
<p align="center"></p>
<p align="center"></font mstheme><!--mstheme--></font></td>
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<p align="center">
<font face="Verdana" size="2">
<a href="PersonnelFY07OpenEnrollmentHealthInsurance.htm">FY07 Health
Insurance</a></font></font mstheme><!--mstheme--></font></td>
<td width="33%" style="border-left-width: 1; border-right-width: 1; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1" bordercolor="#C0C0C0" align="center" height="68"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<font face="Verdana" size="2"><a href="../PersonnlEmployeeBenefits.htm">
Employee Benefits</a></font></font mstheme><!--mstheme--></font></td>
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<p align="center"><font face="Verdana" size="2"><a href="../Index.htm">Personnel and Benefits
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<o:p>
<p style="margin:1 5; text-indent: 0; " align="justify">
<div class="Section1">
</font mstheme><!--mstheme--></font><table border="0" cellpadding="0" cellspacing="0" width="100%" msthemelist>
<tr msthemelist><td valign="baseline" width="42"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><img src="../../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13"><!--mstheme--></font></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<h1 align="justify" style="margin: 1px 5px"><!--mstheme--><font color="#330099"><font color="#330099" mstheme>
<font face="Verdana" color="#000000" size="3">Open Enrollment</font></font mstheme><!--mstheme--></font></h1>
</font mstheme><!--mstheme--></font></td msthemelist></tr>
</table msthemelist><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">The
annual group insurance open enrollment period for Town plans will be
held from April 27, 2006 through May 11, 2006. During this period,
eligible employees (full-time and permanent part-time employees working
twenty or more hours per week) may select a Town-offered benefit plan,
or switch from one plan to another, for coverage effective July 1, 2006.</font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">
Employees, who wish to enroll in a plan, or switch between health plans,
must do so by <b>5:00 p.m. on May </b> <b>11, 2006.</b> This deadline
is necessary because payroll deductions are taken in June for coverage
beginning in July. If you would like to take advantage of the open
enrollment period, please pick up the appropriate form at the open
enrollment information session, or call one of the contact people listed
in this brochure. </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"> </p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
</font mstheme><!--mstheme--></font><table border="0" cellpadding="0" cellspacing="0" width="100%" msthemelist>
<tr msthemelist><td valign="baseline" width="42"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><img src="../../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13"><!--mstheme--></font></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<h2 align="justify" style="margin: 1px 5px"><!--mstheme--><font color="#330099"><font color="#330099" mstheme>
<font face="Verdana" color="#000000" size="3">Open Enrollment
Information Session</font></font mstheme><!--mstheme--></font></h2>
</font mstheme><!--mstheme--></font></td msthemelist></tr>
</table msthemelist><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"> </p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">
Representatives from Blue Cross/Blue Shield, Harvard/Pilgrim Health
Plan, Tufts Associated Health Plan, Boston Mutual, Delta Dental, My
Medication Plan, BJ�s Wholesale Club (Discount Membership)
will be available to </font></span><font color="#000000">
<span style="font-family: Verdana"><font size="2">answer any questions
you may have at an open enrollment information session to be held in the
</font><b><u><font size="2">Broadmeadow School on April 27, 2006 from
2:30 to 4:30 p.m. or at the Needham Free Public Library on May 3, 2006
from 10 a.m. to 2 p.m.</font></u></b></span></font></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"><b><u>
<span style="text-decoration: none; font-family: Verdana">
<font size="2" color="#000000"> </font></span></u></b></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"><b><u>
<span style="font-family: Verdana"><font size="2" color="#000000">The
following free screenings will be available at the Needham Free Public
Library on May 3<sup>rd</sup>:</font></span></u></b></p>
<p class="MsoNormal" style="text-align: center; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">Blood
Pressure</font></span></p>
<p class="MsoNormal" style="text-align: center; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">Chair
Massage</font></span></p>
<p class="MsoNormal" style="text-align: center; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">Carbon
Monoxide</font></span></p>
<p class="MsoNormal" style="text-align: center; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">Body
Fat Analysis</font></span></p>
<p class="MsoNormal" style="text-align: center; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">Vision
Screening </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">If you
are unable to attend this session and would like further information
and/or enrollment forms, please contact one of the following:</font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
<div align="center">
</font mstheme><!--mstheme--></font><table border="0" width="300" cellspacing="0" cellpadding="0" id="table1">
<tr>
<td align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><font color="#000000"><u>
<span style="font-family: Verdana; font-weight: 700">
<font size="2">School Department</font></span></u></font></font mstheme><!--mstheme--></font></td>
<td align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><font color="#000000">
<span style="font-family: Verdana; font-weight: 700"><u>
<font size="2">General Government</font></u></span></font></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Joan Krozy</font></span></font mstheme><!--mstheme--></font></td>
<td align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Personnel/Benefits</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">455-0400 (x 209)</font></span></font mstheme><!--mstheme--></font></td>
<td align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">455-7530</font></span></font mstheme><!--mstheme--></font></td>
</tr>
</table><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
</div>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"> </p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"> </p>
</font mstheme><!--mstheme--></font><table border="0" cellpadding="0" cellspacing="0" width="100%" msthemelist>
<tr msthemelist><td valign="baseline" width="42"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><img src="../../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13"><!--mstheme--></font></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<h3 style="text-indent: 0in; margin: 1px 5px" align="justify"><!--mstheme--><font color="#330099"><font color="#330099" mstheme>
<font size="3" face="Verdana" color="#000000">Rate Change
Information</font></font mstheme><!--mstheme--></font></h3>
</font mstheme><!--mstheme--></font></td msthemelist></tr>
</table msthemelist><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">
Insurance plan rates have changed for fiscal year 2007 as follows:</font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"> </p>
<div align="center">
</font mstheme><!--mstheme--></font><table border="0" width="400" cellspacing="0" cellpadding="0" id="table2">
<tr>
<td width="200"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme> </font mstheme><!--mstheme--></font></td>
<td width="200" align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<span style="font-family: Verdana">
<font size="2" color="#000000">Individual/Family</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td width="200"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Fallon Select Care</font></span></font mstheme><!--mstheme--></font></td>
<td width="200" align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<span style="font-family: Verdana">
<font size="2" color="#000000">9.1/8.8%</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td width="200"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Fallon Direct Care </font></span></font mstheme><!--mstheme--></font></td>
<td width="200" align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<span style="font-family: Verdana">
<font size="2" color="#000000">6.8/6.7%</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td width="200"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Harvard/Pilgrim EPO</font></span></font mstheme><!--mstheme--></font></td>
<td width="200" align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<span style="font-family: Verdana">
<font size="2" color="#000000">8.12/8.21%</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td width="200"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Harvard/Pilgrim PPO</font></span></font mstheme><!--mstheme--></font></td>
<td width="200" align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<span style="font-family: Verdana">
<font size="2" color="#000000">23.4/23.3%</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td width="200"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Tufts EPO</font></span></font mstheme><!--mstheme--></font></td>
<td width="200" align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<span style="font-family: Verdana">
<font size="2" color="#000000">14.41/14.42%</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td width="200"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Tufts POS</font></span></font mstheme><!--mstheme--></font></td>
<td width="200" align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<span style="font-family: Verdana">
<font size="2" color="#000000">23.4/23.3%</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td width="200"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Network Blue EPO</font></span></font mstheme><!--mstheme--></font></td>
<td width="200" align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<span style="font-family: Verdana">
<font size="2" color="#000000">9.15/9.18%</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td width="200"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Delta Dental</font></span></font mstheme><!--mstheme--></font></td>
<td width="200" align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<span style="font-family: Verdana">
<font size="2" color="#000000">8/6.3%</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td width="200"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme><span style="font-family: Verdana">
<font size="2" color="#000000">Boston Mutual Life Insurance</font></span></font mstheme><!--mstheme--></font></td>
<td width="200" align="center"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<span style="font-family: Verdana">
<font size="2" color="#000000">0%</font></span></font mstheme><!--mstheme--></font></td>
</tr>
<tr>
<td width="400" colspan="2"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme> </font mstheme><!--mstheme--></font></td>
</tr>
</table><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<p style="margin-top: 1px; margin-bottom: 1px"> </p>
<p style="margin-top: 1px; margin-bottom: 1px"> </div>
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<tr msthemelist><td valign="baseline" width="42"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><img src="../../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13"><!--mstheme--></font></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<h1 align="justify" style="margin: 1px 5px"><!--mstheme--><font color="#330099"><font color="#330099" mstheme>
<font face="Verdana" color="#000000" size="3">Life Insurance Program</font></font mstheme><!--mstheme--></font></h1>
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<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"><b>
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></b></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">The
Town of Needham offers basic and optional life insurance through Boston
Mutual Life Insurance Company. The basic life insurance plan is a $2,000
death and accidental dismemberment benefit, to which the Town
contributes 50% of the premium cost. The optional life insurance
program is voluntary, and is paid 100% by the employee. Those employees
who may have any questions on their policy/policies should speak with a
representative at the open enrollment. Employees may elect to pay life
insurance premiums on a pre-tax basis. </font></span></p>
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<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"><b>
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></b></p>
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<tr msthemelist><td valign="baseline" width="42"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><img src="../../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13"><!--mstheme--></font></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<p class="MsoBodyText" align="justify" style="margin: 1px 5px"><b>
<font face="Verdana" color="#000000">Section 125 Plan/Pre-tax
Premium Payment Plan</font></b></font mstheme><!--mstheme--></font></td msthemelist></tr>
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<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
<p class="MsoNormal" align="justify" style="margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">The
Section 125 Pre-tax Premium </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">
Payment Plan (or �Cafeteria Plan�) allows you to reduce your taxable
income by an amount equal to your insurance premium deductions. Each
employee enrolled in the group insurance plan must complete an Election
of Benefit Form. This form is used to enroll in or waive participation
in the pre-tax plans<i>.</i> Employees who enroll in the plan will only
be allowed to discontinue the plan (i.e. drop their insurance coverage)
for qualifying reasons set forth by the IRS, examples of which are
listed on the back of the Election of Benefit Form.</font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"> </p>
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<tr msthemelist><td valign="baseline" width="42"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><img src="../../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13"><!--mstheme--></font></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<p class="MsoNormal" align="center" style="text-align: justify; margin: 1px 5px">
<b><span style="font-family: Verdana"><font color="#000000">Flexible
Spending Accounts</font></span></b></font mstheme><!--mstheme--></font></td msthemelist></tr>
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<p class="MsoNormal" align="center" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">
Flexible Spending Accounts, which allow employees to pay for dependent
care and medical expenses on a pre-tax basis, are now offered as an
extension of the Town's Section 125 Before Tax Premium Payment Plan.</font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">Under
the Flexible Spending Account program, which is administered by
Cafeteria Plan Advisors, Inc. (CPA), eligible employees may set aside a
certain amount of their income on a pre-tax basis to pay for dependent
care (such as day care or elder care) and for approved medical expenses
(such as orthodontia).</font></span></div>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"><b><u>
<span style="text-decoration: none; font-family: Verdana">
<font size="2" color="#000000"> </font></span></u></b></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<font color="#000000"><u><span style="font-family: Verdana">
<font size="2">The plan year for the flexible spending accounts is the
calendar year -- January 1st through December 31st. Open enrollment
information will be distributed to all benefit-eligible</font></span></u><span style="font-family: Verdana"><font size="2">
<u>employees in December, 2006<b>.</b></u> All questions about the
flexible spending account program should be addressed to CPA directly at
1-800-544-2340. </font></span></font></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"><b>
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></b></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"> </p>
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<tr msthemelist><td valign="baseline" width="42"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><img src="../../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13"><!--mstheme--></font></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<h1 align="justify" style="margin: 1px 5px"><!--mstheme--><font color="#330099"><font color="#330099" mstheme>
<font face="Verdana" color="#000000" size="3">Other Benefits</font></font mstheme><!--mstheme--></font></h1>
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<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<span style="font-family: Verdana"><font size="2" color="#000000">The
Town offers many other benefits employees may access at any time during
the year, not just during the open enrollment period. For more
information on these benefits, please contact your payroll
representative.</font></span></p>
<blockquote>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<font color="#000000"><b>
<span style="font-family: Verdana; text-decoration: underline">
<font size="2">Direct Deposit</font></span></b><font size="2"><span style="font-family: Verdana">
- </span></font><span style="font-family: Verdana"><font size="2">In
order to enroll in the Direct Deposit program, you must complete a
Direct Deposit Application and return it with a voided check or
savings withdrawal form to your payroll representative.</font></span></font></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<font color="#000000"><span style="font-family: Verdana"><b><u>
<font size="2">Savings Bonds</font></u></b><font size="2"> - The
Savings Bond Program allows employees to purchase Savings Bonds
through payroll deduction by contributing as little as $2 per week.
</font></span></font></p>
<h2 align="justify" style="margin: 1px 5px"><!--mstheme--><font color="#330099"><font color="#330099" mstheme>
<font face="Verdana" size="2" color="#000000"><u>AFLAC</u><span style="font-weight: normal; text-decoration: none"> -
Learn more about our Personal Accident Indemnity Plan (Accident-only
insurance policy). Please see the AFLAC representative for further
information.</span></font></font mstheme><!--mstheme--></font></h2>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<font color="#000000"><b><u><span style="font-family: Verdana">
<font size="2">Deferred Compensation/Tax-Sheltered</font></span></u><span style="font-family: Verdana"><font size="2">
</font><u><font size="2">Annuities</font></u></span></b><span style="font-family: Verdana"><font size="2">
- These plans allow employees to defer a specified amount of income
on a pre-tax basis. School Department employees are eligible to
arrange for their own tax-sheltered annuity provider. General
Government employees are eligible to select one of the following:</font></span></font></p>
<blockquote>
<ol>
<li>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<font color="#000000"><b><span style="font-family: Verdana">
<font size="2">ING Account </font></span></b>
<span style="font-family: Verdana"><font size="2">(Barry
Perkins, 508-580-8714), or </font></span></font></li>
<li>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<font color="#000000"><b><span style="font-family: Verdana">
<font size="2">ICMA Retirement Corporation</font></span></b><span style="font-family: Verdana"><font size="2">
(Joe Teague, 800-735-7202 x5992), or </font></span></font>
</li>
<li>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<font color="#000000"><b><span style="font-family: Verdana">
<font size="2">MetLife Resources</font></span></b><span style="font-family: Verdana"><font size="2">
(William Powell, 617-492-1966).</font></span></font></li>
</ol>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"> </p>
</blockquote>
</blockquote>
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<h2 align="justify" style="margin: 1px 5px"><!--mstheme--><font color="#330099"><font color="#330099" mstheme>
<font face="Verdana" color="#000000" size="3">Credit Union
Membership/Savings Plan</font></font mstheme><!--mstheme--></font></h2>
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<p align="justify" style="margin: 1px 5px"> </p>
<p class="MsoBodyText2" align="justify" style="margin: 1px 5px">
<font face="Verdana" size="2" color="#000000">Employees are eligible to
join the Wellesley Credit Union, if you have any questions, please call
(781) 235-0503. </font></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"><b>
<span style="font-family: Verdana"><font size="2" color="#000000"> </font></span></b></p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"> </p>
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<tr msthemelist><td valign="baseline" width="42"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><img src="../../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13"><!--mstheme--></font></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><font face="Trebuchet MS, Arial, Helvetica" mstheme>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<font color="#000000"><b><span style="font-family: Verdana">Employee
Assistance Plans</span></b></font></font mstheme><!--mstheme--></font></td msthemelist></tr>
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<p class="MsoNormal" style="text-align: justify; margin: 1px 5px"> </p>
<p class="MsoNormal" style="text-align: justify; margin: 1px 5px">
<font color="#000000"><span style="font-family: Verdana"><font size="2">
The Town�s EAP, Corporate EAP Resources, Inc. (Toll Free 866-635-1712
or 978-635-1712) and the School Department�s EAP, Human Relations
Service (781-235-4950) offer a wide range of short-term
counseling options for employees and their families.</font></span></font></p>
<p style="margin:1 5; text-indent: 0; " align="justify">
<p class="MsoNormal" style="text-align:justify"> </p>
<p class="MsoNormal" style="text-align:justify"> </p>
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