Policy Title	Reason for Change
Basic AD&D (Accidental Death & Dismemberment)	New as of October 1, 2001
Travel Accident Insurance	Updated October 1, 2001
Voluntary AD&D (Optional AD&D)	Updated October 1, 2001

October 2002

Policy Title	Reason for Change
Dental Plan - CIGNA	New as of January 1, 2002
Flexible Spending Accounts	New as of January 1, 2002
Life Insurance	Updated to incorporate new wording
Long-term Disability	Updated to incorporate new wording
CIGNA HMO	New effective January 1, 2002
CIGNA PPO	New effective January 1, 2002
Kaiser HMO	Updates effective January 1, 2002
TIAA-CREF Retirement Annuity (RA)	Updated to incorporate new wording
TIAA-CREF Tax Deferred Annuity Plan (SRA)	Updated to incorporate new wording

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