Effective January 1, 2009 - Health Insurance Plan Updates

Policy Title	Reason for Change
CIGNA HDHP Certificate Rider	Updated March 2009, effective January 1, 2009; outlines changes to annual deductible and out-of-pocket limits, clarifies acupuncture annual visits
CIGNA HDHP Certificate Rider - Massachusetts participants only	Updated March 2009, effective January 1, 2009; outlines changes to annual deductible and out-of-pocket limits, clarifies acupuncture annual visits
CIGNA PPO Certificate Rider	Updated March 2009, effective January 1, 2009; clarification on colonoscopy coverage
CIGNA PPO Certificate Rider - Massachusetts participants only	Updated March 2009, effective January 1, 2009; clarification on Massachusetts Requirement for Health Insurance
CIGNA HMO Certificate Rider	Updated March 2009, effective January 1, 2009; clarification on colonoscopy coverage
CIGNA HMO Certificate Rider - Massachusetts participants only	Updated March 2009, effective January 1, 2009; clarification on Massachusetts Requirement for Health Insurance

Effective January 1, 2009 - Other Policies

Policy Title	Reason for Change
Life Insurance	New carrier - The Hartford
Long-Term Disability	New carrier - The Hartford
Basic AD&D (Accidental Death & Dismemberment)	New carrier - The Hartford
Travel Accident Insurance - Full-time and Casual Employees	New carrier - The Hartford
Travel Accident Insurance - Part-time Employees	New carrier - The Hartford
Travel Accident Insurance - Pilots	New carrier - The Hartford
Travel Accident Insurance - Guests	New carrier - The Hartford
Voluntary AD&D (Optional AD&D)	New carrier - The Hartford
Flexible Spending Accounts - Health Care, Dependent Care, Transit Benefit - 2009 version not yet available	New carrier - WageWorks

Effective January 1, 2007 - TIAA-CREF Retirement

Policy Title	Reason for Change
TIAA-CREF Summary Plan Description	Amended and restated effective January 1, 2007
UCAR Retirement Plan	Amended and restated effective January 1, 2007

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March 2009