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<br />3. When Is My Entry Date? <br /> <br />You can join the Plan on the same day you can enter our group medical plan. <br /> <br />4. What Must I Do to Enroll in the Plan? <br /> <br />Before you can join the Plan, you must complete an application to participate in the Plan. <br />The application includes your personal choices for each of the benefits which are being offered <br />under the Plan. You must also authorize us to set some of your earnings aside in order to pay for <br />the benefits you have elected. <br /> <br />II <br />OPERATION <br /> <br />1. How Does This Plan Operate? <br /> <br />Before the start of each Plan Year, you will be able to elect to have some of your <br />upcoming pay contributed to the Plan. These amounts will be placed in special funds or accounts <br />which must be set up for you in order to pay for the benefits you have chosen. The portion of <br />your pay that is paid to the Plan is not subject to Federal income or Social Security taxes. In <br />other words, this allows you to use tax-free dollars to pay for certain kinds of benefits and <br />expenses which you normally pay for with out-of-pocket, taxable dollars. However, if you <br />receive a reimbursement for an expense under the Plan, you cannot claim a Federal income tax <br />credit or deduction on your return. <br /> <br />III <br />CONTRIBUTIONS <br /> <br />1. How Much of My Pay May the Employer Redirect? <br /> <br />Each year, you may elect to have us contribute on your behalf enough of your <br />compensation to pay for the benefits that you elect under the Plan. These amounts will be <br />deducted from your pay over the course of the year. <br /> <br />2. How is My Compensation Measured Under Our Plan? <br /> <br />Compensation under our Plan means the total cash amount that is paid to you each year. <br /> <br />3. What Happens to Contributions Made to the Plan? <br /> <br />Before each Plan Year begins, you will select the non-insured benefits you want and how <br />much of the contributions should go toward each benefit. It is very important that you make these <br /> <br />2 <br />