Group Term Life and Accidental Death & Dismemberment

	Premiums are corporate paid, except as indicated below
	Coverage begins on date of hire
	Coverage for each policy is the lesser of one times prorated annual salary or coverage maximum:
	Policy	Coverage Maximum	AD & D* Maximum	Premium
	A	$375,000	$187,500	Corporate Paid
	B	$375,000	$187,500	Physician Paid
	C	$375,000	N/A	Physician Paid
	D	$375,000	N/A	Physician Paid
	*AD &D = Accidental Death & Dismemberment
	Policy A: provided at corporate expense Policy B: available at physician's expense without evidence of insurability if elected within 30 days of hire; provided at corporate expense upon election to participant physician status Policy C & D: available at physician's expense with evidence of insurability; provided at corporate expense upon election to Senior physician status