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style='display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:white;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in' id="content_LETTER.BLOCK1"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td valign=top style='padding:0in 0in 0in 0in'> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='background:#6C8591;padding:.75pt .75pt .75pt .75pt'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:white; mso-yfti-tbllook:1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="100%" colspan=2 style='width:100.0%;padding:0in 0in 0in 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td valign=bottom style='padding:0in 0in 0in 0in'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-no-proof:yes'><img width=595 height=90 id="_x0000_i1029" src="http://ih.constantcontact.com/fs040/1104749692491/img/1.jpg" alt="Description: Crosby Connection"></span></p> </td> </tr> </table> <p class=MsoNormal><span style='display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:white; border:solid #6C8591 1.0pt;mso-border-alt:solid #6C8591 .75pt; mso-yfti-tbllook:1184;mso-padding-alt:0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='border:none;background:#003330;padding:3.75pt 0in 3.75pt 0in'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:white'>October 2011: In This Issue</span></b><span style='font-size:10.0pt;font-family: "Arial","sans-serif";color:white'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;height:3.75pt'> <td style='border:none;padding:.75pt .75pt .75pt .75pt;height:3.75pt'></td> </tr> <tr style='mso-yfti-irow:2'> <td style='border:none;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><a href="#LETTER.BLOCK9" shape=rect><span style='color:#0000CC'>Crosby Volunteers Give Back</span></a></span></b><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#0000CC'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td style='border:none;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><a href="#LETTER.BLOCK8" shape=rect><span style='color:#0000CC'>Managing Unsubstantiated Claims</span></a></span></b><span style='font-size: 8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td style='border:none;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><a href="#LETTER.BLOCK12" shape=rect><span style='color:#0000CC'>Catch The Renewal Wave</span></a></span></b><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#0000CC'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5;mso-yfti-lastrow:yes;height:3.75pt'> <td style='border:none;padding:.75pt .75pt .75pt .75pt;height:3.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:10.0pt'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td valign=top style='padding:0in 0in 3.75pt 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=160 style='width:120.0pt;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt' id="content_LETTER.BLOCK3"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width="100%" valign=top style='width:100.0%;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="99%" style='width:99.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><a name=LETTER.BLOCK3><b><span style='font-size:11.0pt; font-family:"Arial","sans-serif";color:#FEFEFE'>Calendar</span></b></a><span style='mso-bookmark:"LETTER\.BLOCK3"'><span style='font-size:11.0pt; font-family:"Arial","sans-serif";color:#FEFEFE'><o:p></o:p></span></span></p> </td> <span style='mso-bookmark:"LETTER\.BLOCK3"'></span> <td width="1%" style='width:1.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt' background="http://img.constantcontact.com/letters/images/1101093164665/top_right.gif"><span style='mso-bookmark:"LETTER\.BLOCK3"'></span></td> <span style='mso-bookmark:"LETTER\.BLOCK3"'></span> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td colspan=2 style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK3"'><strong><span style='font-size:8.0pt;font-family: "Arial","sans-serif";color:#333333'>October 10</span></strong></span><span style='mso-bookmark:"LETTER\.BLOCK3"'><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#333333'>: Our offices will be closed for Columbus Day&nbsp;<o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK3"'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; color:#333333'><br> <strong><span style='font-family:"Arial","sans-serif"'>October 31</span></strong></span></b></span><span style='mso-bookmark:"LETTER\.BLOCK3"'><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#333333'>: Happy Halloween<o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK3"'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; color:#333333'><br> <strong><span style='font-family:"Arial","sans-serif"'>November 24 &amp; 25</span></strong></span></b></span><span style='mso-bookmark: "LETTER\.BLOCK3"'><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; color:#333333'>: Our offices will be closed for Thanksgiving <o:p></o:p></span></span></p> </td> <span style='mso-bookmark:"LETTER\.BLOCK3"'></span> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><a name=LETTER.BLOCK5><span style='display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></a></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt;display:table' id="content_LETTER.BLOCK4"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="99%" style='width:99.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p class=MsoNormal align=center style='margin-bottom:3.75pt; text-align:center'><span style='mso-bookmark:"LETTER\.BLOCK5"'><strong><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#FEFEFE'>Did You Know . . .</span></strong></span><span style='mso-bookmark:"LETTER\.BLOCK5"'><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#FEFEFE'><o:p></o:p></span></b></span></p> </td> <span style='mso-bookmark:"LETTER\.BLOCK5"'></span> <td width="1%" style='width:1.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt' background="http://img.constantcontact.com/letters/images/1101093164665/top_right.gif"><span style='mso-bookmark:"LETTER\.BLOCK5"'></span></td> <span style='mso-bookmark:"LETTER\.BLOCK5"'></span> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td colspan=2 style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK5"'><strong><span style='font-size:8.0pt;font-family: "Arial","sans-serif";color:#333333'>. . . You can streamline your commuter program and add revenue?&nbsp;</span></strong></span><span style='mso-bookmark:"LETTER\.BLOCK5"'><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#333333'><br> &gt; Quick Implementation<br> <br> &gt; Easy-To-Use<br> <br> &gt; All Major Metro Areas Covered<br> <br> &gt; Fully Automated<br> <br> </span></span><span style='mso-bookmark:"LETTER\.BLOCK5"'><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#333333; mso-no-proof:yes'><img border=0 width=106 height=71 id="_x0000_i1028" src="http://farm4.static.flickr.com/3078/2546102322_5ca3cf250d.jpg?v=0" alt="Description: http://farm4.static.flickr.com/3078/2546102322_5ca3cf250d.jpg?v=0"></span></span><span style='mso-bookmark:"LETTER\.BLOCK5"'><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#333333'><o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK5"'><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; color:#333333'><!-- </img> -->&nbsp;&nbsp;<o:p></o:p></span></span></p> <span style='mso-bookmark:"LETTER\.BLOCK5"'></span> <div class=MsoNormal align=center style='text-align:center'><span style='mso-bookmark:"LETTER\.BLOCK5"'><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#333333'> <hr size=2 width="90%" align=center> </span></span></div> <span style='mso-bookmark:"LETTER\.BLOCK5"'></span> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK5"'><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; color:#333333'>&nbsp;&nbsp;<o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK5"'><strong><span style='font-size:8.0pt;font-family: "Arial","sans-serif";color:#333333'>. . . We can manage your HIRD Form process?</span></strong></span><span style='mso-bookmark:"LETTER\.BLOCK5"'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#333333'><br> <strong><span style='font-family:"Arial","sans-serif"'>&nbsp;</span></strong></span></b></span><span style='mso-bookmark:"LETTER\.BLOCK5"'><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#333333'>Are you complying with your 30-day deadlines?<br> <br> &gt; After Open Enrollment<br> <br> &gt; New hires who turn<br> down coverage<br> <br> &gt; Employees who drop coverage<br> <br> Our process is designed to distribute, track and store Employee HIRD Forms so that you don't have to.<br> <br> For more information about any of our services, please contact Jean Sicurella </span></span><span style='font-size:8.0pt;font-family: "Arial","sans-serif";color:#333333'><a href="mailto:jsicurella@crosbybenefits.com" target="_blank" shape=rect>via email</a> or call 617-630-0496.<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 8.0pt;font-family:"Arial","sans-serif";color:#333333'>&nbsp;<o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><a name=LETTER.BLOCK6><span style='display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></a></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt' id="content_LETTER.BLOCK20"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="99%" style='width:99.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p class=MsoNormal align=center style='margin-bottom:3.75pt; text-align:center'><span style='mso-bookmark:"LETTER\.BLOCK6"'><strong><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#FEFEFE'>Get A Team Roster</span></strong></span><span style='mso-bookmark:"LETTER\.BLOCK6"'><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#FEFEFE'><o:p></o:p></span></b></span></p> </td> <span style='mso-bookmark:"LETTER\.BLOCK6"'></span> <td width="1%" style='width:1.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt' background="http://img.constantcontact.com/letters/images/1101093164665/top_right.gif"><span style='mso-bookmark:"LETTER\.BLOCK6"'></span></td> <span style='mso-bookmark:"LETTER\.BLOCK6"'></span> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td colspan=2 style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK6"'><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; color:#333333'>We use a client-centered team approach to best meet your needs. For your team roster, please </span></span><a href="mailto:bcrosby@crosbybenefits.com" target="_blank" shape=rect><span style='mso-bookmark:"LETTER\.BLOCK6"'><span style='font-size:8.0pt; font-family:"Arial","sans-serif"'>email us here</span></span><span style='mso-bookmark:"LETTER\.BLOCK6"'></span></a><span style='mso-bookmark:"LETTER\.BLOCK6"'><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#333333'>.&nbsp;&nbsp;<o:p></o:p></span></span></p> </td> <span style='mso-bookmark:"LETTER\.BLOCK6"'></span> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:10.0pt'><o:p></o:p></span></p> </td> </tr> </table> </td> <td valign=top style='padding:0in 0in 3.75pt 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=440 style='width:330.0pt;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt;display:table' id="content_LETTER.BLOCK9"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="100%" style='width:100.0%;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="99%" style='width:99.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p style='margin:0in;margin-bottom:.0001pt'><a name=LETTER.BLOCK9><b><span style='font-family:"Arial","sans-serif";color:#FEFEFE'>Community Servings Volunteer Outing</span></b></a><span style='mso-bookmark: "LETTER\.BLOCK9"'><span style='font-family:"Arial","sans-serif"; color:#FEFEFE'><o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK9"'><strong><span style='font-size:10.0pt;font-family: "Arial","sans-serif";color:#FEFEFE'>Crosby Employees Take Time To Give Back</span></strong></span><span style='mso-bookmark:"LETTER\.BLOCK9"'><span style='font-family:"Arial","sans-serif";color:#FEFEFE'><o:p></o:p></span></span></p> </td> <span style='mso-bookmark:"LETTER\.BLOCK9"'></span> <td width="1%" style='width:1.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt' background="http://img.constantcontact.com/letters/images/1101093164665/top_right.gif"><span style='mso-bookmark:"LETTER\.BLOCK9"'></span></td> <span style='mso-bookmark:"LETTER\.BLOCK9"'></span> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td colspan=2 style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK9"'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>&nbsp;<o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"/> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"/> <v:f eqn="sum @0 1 0"/> <v:f eqn="sum 0 0 @1"/> <v:f eqn="prod @2 1 2"/> <v:f eqn="prod @3 21600 pixelWidth"/> <v:f eqn="prod @3 21600 pixelHeight"/> <v:f eqn="sum @0 0 1"/> <v:f eqn="prod @6 1 2"/> <v:f eqn="prod @7 21600 pixelWidth"/> <v:f eqn="sum @8 21600 0"/> <v:f eqn="prod @7 21600 pixelHeight"/> <v:f eqn="sum @10 21600 0"/> </v:formulas> <v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/> <o:lock v:ext="edit" aspectratio="t"/> </v:shapetype><v:shape id="Picture_x0020_2" o:spid="_x0000_s1028" type="#_x0000_t75" alt="Description: http://farm7.static.flickr.com/6112/6208575575_20b97583a6_m.jpg" style='position:absolute;margin-left:0;margin-top:0;width:90pt; height:34.5pt;z-index:251658240;visibility:visible;mso-wrap-style:square; mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:6pt; mso-wrap-distance-top:1.5pt;mso-wrap-distance-right:6pt; mso-wrap-distance-bottom:1.5pt;mso-position-horizontal:left; mso-position-horizontal-relative:text;mso-position-vertical:absolute; mso-position-vertical-relative:line;mso-width-percent:0; mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f"> <v:imagedata src="http://farm7.static.flickr.com/6112/6208575575_20b97583a6_m.jpg"/> <w:wrap type="square" anchory="line"/> </v:shape><![endif]--><![if !vml]><img width=120 height=46 src="http://farm7.static.flickr.com/6112/6208575575_20b97583a6_m.jpg" align=left hspace=8 vspace=2 alt="Description: http://farm7.static.flickr.com/6112/6208575575_20b97583a6_m.jpg" v:shapes="Picture_x0020_2"><![endif]><span style='mso-bookmark:"LETTER\.BLOCK9"'></span><span style='mso-bookmark:"LETTER\.BLOCK9"'><span style='font-size:10.0pt; font-family:"Arial","sans-serif"'>In September, several Crosby employees donated their time to the volunteer program </span></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1106806061198&amp;s=2&amp;e=001x-5vnwj6h9_u30PisqX66dM5srgpunoF1rBLel2VDwnzIC98boTuaLlI69s6d_buh-j3dCQb2MQ29DgU4SGRroOkxnvn5U-wbgg4_IUic84=" target="_blank" track=on shape=rect linktype=link><b>Community Servings</b></a>, a non-profit organization located in Jamaica Plain. Community Servings provides healthy and nutritious meals to individuals and families residing in the greater Boston area living with critical and chronic illnesses. The goal of the program is to help those in need maintain their independence by delivering meals for free.<br> <br> Crosby volunteers learned about the organization and safe food handling and then prepared meals in an assembly-line fashion, with each person at their own station. Strict cleanliness precautions were followed, as many Community Servings recipients have compromised immune systems. Some volunteers assisted by adding a protein, starch or vegetable dish to meal containers while others sealed packages that would be frozen and delivered at a future time.<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'><!-- </img> -->&nbsp;<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'>There are many ways to contribute to Community Servings, including meal preparation, packaging and/or delivery and food or monetary donations. Beginning in October, Community Servings will have its 14th annual &quot;Pie in the Sky&quot; pie sale. Pies will be sold for $25; proceeds from the sale of one pie will help feed an individual for one week. To learn more about the Pie in the Sky pie sale, you may visit <a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1106806061198&amp;s=2&amp;e=001x-5vnwj6h9_Dk0y39zwXpAtZXJ5aBLvLZFeDM0u23C7alruZGL9exhf9h7SEWFB80mvvEVRK2nerSsKZbHyg88T_8JCKp1jSN8cG9mr1rMs=" target="_blank" track=on shape=rect linktype=link><b>pieinthesky.org</b></a> or visit the <a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1106806061198&amp;s=2&amp;e=001x-5vnwj6h9_u30PisqX66dM5srgpunoF1rBLel2VDwnzIC98boTuaLlI69s6d_buh-j3dCQb2MQ29DgU4SGRroOkxnvn5U-wbgg4_IUic84=" target="_blank" track=on shape=rect linktype=link><b>Community Servings</b></a> website about how you can help.&nbsp;<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'>&nbsp;<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'>Everyone at Crosby who volunteered had a fantastic time working with Community Servings. We are excited about future volunteer opportunities with Community Servings and other local organizations. <o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><a name=LETTER.BLOCK8><span style='display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></a></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt;display:table' id="content_LETTER.BLOCK8"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="99%" style='width:99.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK8"'><b><span style='font-family:"Arial","sans-serif"; color:#FEFEFE'>Debit Card Pay-And-Chase Process</span></b></span><span style='mso-bookmark:"LETTER\.BLOCK8"'><span style='font-family:"Arial","sans-serif"; color:#FEFEFE'><o:p></o:p></span></span></p> <p class=MsoNormal><span style='mso-bookmark:"LETTER\.BLOCK8"'><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#FEFEFE'>What You Can Do If A Claim Goes Unsubstantiated</span></strong></span><span style='mso-bookmark:"LETTER\.BLOCK8"'><span style='font-family:"Arial","sans-serif"; color:#FEFEFE'><o:p></o:p></span></span></p> </td> <span style='mso-bookmark:"LETTER\.BLOCK8"'></span> <td width="1%" style='width:1.0%;padding:3.75pt 3.75pt 3.75pt 3.75pt'><span style='mso-bookmark:"LETTER\.BLOCK8"'></span></td> <span style='mso-bookmark:"LETTER\.BLOCK8"'></span> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td colspan=2 style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK8"'><span lang=EN style='font-size:10.0pt;font-family: "Arial","sans-serif";color:#333333;mso-ansi-language:EN'>&nbsp;<o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><!--[if gte vml 1]><v:shape id="Picture_x0020_3" o:spid="_x0000_s1027" type="#_x0000_t75" alt="Description: http://farm5.static.flickr.com/4106/4996498488_159179bb54_m.jpg" style='position:absolute;margin-left:0;margin-top:0;width:60.75pt; height:38.25pt;z-index:251659264;visibility:visible; mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0; mso-wrap-distance-left:6pt;mso-wrap-distance-top:1.5pt; mso-wrap-distance-right:6pt;mso-wrap-distance-bottom:1.5pt; mso-position-horizontal:left;mso-position-horizontal-relative:text; mso-position-vertical:absolute;mso-position-vertical-relative:line; mso-width-percent:0;mso-height-percent:0;mso-width-relative:page; mso-height-relative:page' o:allowoverlap="f"> <v:imagedata src="http://farm5.static.flickr.com/4106/4996498488_159179bb54_m.jpg"/> <w:wrap type="square" anchory="line"/> </v:shape><![endif]--><![if !vml]><img width=81 height=51 src="http://farm5.static.flickr.com/4106/4996498488_159179bb54_m.jpg" align=left hspace=8 vspace=2 alt="Description: http://farm5.static.flickr.com/4106/4996498488_159179bb54_m.jpg" v:shapes="Picture_x0020_3"><![endif]><span style='mso-bookmark:"LETTER\.BLOCK8"'></span><span style='mso-bookmark:"LETTER\.BLOCK8"'><span class=mcepaste><span lang=EN style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333;mso-ansi-language:EN'>Following a plan year, there are usually a number of debit card transactions that are not properly adjudicated due to the lack of any or acceptable substantiation. In general, the following &quot;pay-and-chase&quot; processes are followed (in the order shown) to satisfy plan requirements for recouping outstanding monies for claims not paid correctly from a Health FSA:</span></span></span><span style='mso-bookmark:"LETTER\.BLOCK8"'><span lang=EN style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333;mso-ansi-language:EN'><br> <br> <span class=mcepaste><span style='font-family:"Arial","sans-serif"'>&nbsp;<!-- </img> -->1. </span></span><strong><span style='font-family:"Arial","sans-serif"'>Require Repayment</span></strong><span class=mcepaste><span style='font-family: "Arial","sans-serif"'>: Participants are notified that outstanding substantiation is required and offered several ways, including offsetting transactions with eligible claims or repayments.</span></span><o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK8"'><span lang=EN style='font-size:10.0pt;font-family: "Arial","sans-serif";color:#333333;mso-ansi-language:EN'>&nbsp;<o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK8"'><span lang=EN style='font-size:10.0pt;font-family: "Arial","sans-serif";color:#333333;mso-ansi-language:EN'>2. <strong><span style='font-family:"Arial","sans-serif"'>Deny Access to the Card</span></strong> until payments are recovered. Participants are still able to submit for reimbursement by submitting paper claims.<o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK8"'><span lang=EN style='font-size:10.0pt;font-family: "Arial","sans-serif";color:#333333;mso-ansi-language:EN'><br> <span class=mcepaste><span style='font-family:"Arial","sans-serif"'>3. If the participant does not repay the amount, employers may </span></span><strong><span style='font-family:"Arial","sans-serif"'>withhold the improper payment</span></strong><span class=mcepaste><span style='font-family: "Arial","sans-serif"'> amount from the participant's paycheck. Please note that this method should be summarized in your plan document and it is recommended that you confirm with your legal counsel to determine whether state law permits this action.</span></span><br> <br> <span class=mcepaste><span style='font-family:"Arial","sans-serif"'>&nbsp;4. An employer may </span></span><strong><span style='font-family:"Arial","sans-serif"'>treat the payment as other business indebtedness</span></strong><span class=mcepaste><span style='font-family:"Arial","sans-serif"'> if no action is taken by the participant.</span></span><br> <br> <span class=mcepaste><span style='font-family:"Arial","sans-serif"'>5. </span></span><strong><span style='font-family:"Arial","sans-serif"'>Write off the amount</span></strong><span class=mcepaste><span style='font-family:"Arial","sans-serif"'>: If all of the above steps have been taken but have proved unsuccessful, then the employer may write off the improper amount.</span></span><br> <br> <span class=mcepaste><span style='font-family:"Arial","sans-serif"'>Detailed reporting on outstanding debit card transactions can be run from the Reports page on the Reimbursement Portal. If you'd like to learn how to Access this information or how to run these reports, please email </span></span></span></span><span class=mcepaste><span lang=EN style='font-size:10.0pt;font-family: "Arial","sans-serif";color:#333333;mso-ansi-language:EN'><a href="mailto:drosenfeld@crosbybenefits.com" target="_blank" shape=rect><b>Darla Rosenfeld</b></a>, <a href="mailto:lfulton@crosbybenefits.com" target="_blank" shape=rect><b>Linda Fulton</b></a> or <a href="mailto:mcrosby@crosbybenefits.com" target="_blank" shape=rect><b>Max Crosby</b></a>.</span></span><span lang=EN style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333;mso-ansi-language:EN'><br> <span class=mcepaste><span style='font-family:"Arial","sans-serif"'>&nbsp;</span></span><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span lang=EN style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333;mso-ansi-language:EN'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><b><span lang=EN style='font-size:10.0pt; font-family:"Arial","sans-serif";color:#333333;mso-ansi-language: EN'><br> <strong><span style='font-family:"Arial","sans-serif"'>&gt; &gt; Important Reminder</span></strong></span></b><span lang=EN style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#333333; mso-ansi-language:EN'>: As part of the National Health Care Reform Law, beginning in 2013, an annual limit of $2,500 will be enforced for Medical FSA deductions. This limit will be indexed to the Consumer Price Index starting in 2014.<br> <br> <strong><span style='font-family:"Arial","sans-serif"'>Finally</span></strong>, please continue to promote our <strong><span style='font-family:"Arial","sans-serif"'><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1106806061198&amp;s=2&amp;e=001x-5vnwj6h9-xIHWsDOayTumzky4_BcLA-hHVWYsID1tD_cHJVcl3iNeyIFIEVfMq9d0F7q1u-xEuqMG0J98Y96DYIN2Rr_YpsimftPpE8USH6iaXoKnTW_YaRlmlChOoCDHbvck0yc0=" target="_blank" track=on shape=rect linktype=link>Go Green!</a></span></strong> initiative for Reimbursement Account holders, offering E-Communications and Direct Deposit. Enrollees will benefit by receiving many communications via email and of course, faster claim payments. Participants may sign up via <strong><span style='font-family:"Arial","sans-serif"'><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1106806061198&amp;s=2&amp;e=001x-5vnwj6h99MSAEydNcaZMME9ywbPzq-O17F07CSob5kJ9JZc9We8a4GPK5Qt5lvJFxcv1Twj8r5pKkB2ly40oewfJN2hDTJHDKppRm5oipQBt-JaSpAlg==" target="_blank" track=on shape=rect linktype=link>MyCrosbyBenefits.com</a></span></strong>. <!-- </hr> --></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><a name=LETTER.BLOCK12><span style='display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></a></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt;display:table' id="content_LETTER.BLOCK12"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="99%" style='width:99.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK12"'><b><span style='font-family:"Arial","sans-serif"; color:#FEFEFE'>Catch The Renewal Wave 2012</span></b></span><span style='mso-bookmark:"LETTER\.BLOCK12"'><span style='font-family:"Arial","sans-serif"; color:#FEFEFE'><o:p></o:p></span></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK12"'><strong><span style='font-size:10.0pt;font-family: "Arial","sans-serif";color:#FEFEFE'>Boost FSA Participation And Make The Most of Your Renewal</span></strong></span><span style='mso-bookmark:"LETTER\.BLOCK12"'><span style='font-family:"Arial","sans-serif"; color:#FEFEFE'><o:p></o:p></span></span></p> </td> <span style='mso-bookmark:"LETTER\.BLOCK12"'></span> <td width="1%" style='width:1.0%;background:#003330;padding:3.75pt 3.75pt 3.75pt 3.75pt' background="http://img.constantcontact.com/letters/images/1101093164665/top_right.gif"><span style='mso-bookmark:"LETTER\.BLOCK12"'></span></td> <span style='mso-bookmark:"LETTER\.BLOCK12"'></span> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td colspan=2 style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p class=MsoNormal><span style='mso-bookmark:"LETTER\.BLOCK12"'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#5C788C'>&nbsp; <o:p></o:p></span></span></p> <div> <p class=MsoNormal><!--[if gte vml 1]><v:shape id="Picture_x0020_4" o:spid="_x0000_s1026" type="#_x0000_t75" alt="Description: http://farm3.static.flickr.com/2653/4069115061_cfc7d0f476_m.jpg" style='position:absolute;margin-left:0;margin-top:0;width:53.25pt; height:61.5pt;z-index:251660288;visibility:visible;mso-wrap-style:square; mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:6pt; mso-wrap-distance-top:1.5pt;mso-wrap-distance-right:6pt; mso-wrap-distance-bottom:1.5pt;mso-position-horizontal:left; mso-position-horizontal-relative:text;mso-position-vertical:absolute; mso-position-vertical-relative:line;mso-width-percent:0; mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f"> <v:imagedata src="http://farm3.static.flickr.com/2653/4069115061_cfc7d0f476_m.jpg"/> <w:wrap type="square" anchory="line"/> </v:shape><![endif]--><![if !vml]><img width=71 height=82 src="http://farm3.static.flickr.com/2653/4069115061_cfc7d0f476_m.jpg" align=left hspace=8 vspace=2 alt="Description: http://farm3.static.flickr.com/2653/4069115061_cfc7d0f476_m.jpg" v:shapes="Picture_x0020_4"><![endif]><span style='mso-bookmark:"LETTER\.BLOCK12"'></span><span style='mso-bookmark:"LETTER\.BLOCK12"'><span style='font-size:10.0pt; font-family:"Arial","sans-serif";color:#333333'>For many of our clients, Open Enrollment season is here again and we'd like to remind you that we are committed to helping you increase Flexible Spending Account participation. During these hard economic times, it is important that your employees understand the benefits of participating in an FSA. Crosby offers a number of tools to assist you with promoting FSA enrollment for your 2011 Plan Year.<!-- </img> --><o:p></o:p></span></span></p> <div> <p class=MsoNormal><span style='mso-bookmark:"LETTER\.BLOCK12"'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#333333'><br> º% <strong><span style='font-family:"Arial","sans-serif"'>Flex Debit Card</span></strong>: Our card adds convenience by giving participants direct access to their Medical FSA funds without having to pay out-of-pocket. With the improvement of electronic approval systems, our card is a great tool for increasing participation (saving you more on FICA) and increasing the value for your participants. If you don't have the Flex Debit Card, we encourage you to consider it today.<o:p></o:p></span></span></p> </div> <p style='margin:0in;margin-bottom:.0001pt'><span style='mso-bookmark: "LETTER\.BLOCK12"'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'>&nbsp;<o:p></o:p></span></span></p> <div> <p class=MsoNormal><span style='mso-bookmark:"LETTER\.BLOCK12"'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#333333'>º% <strong><span style='font-family:"Arial","sans-serif"'>FSA Videos</span></strong>: Crosby offers&nbsp;two short videos (one with Flex Debit Card information and one without) promoting the benefits of an FSA. Both options can be </span></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1106806061198&amp;s=2&amp;e=001x-5vnwj6h9965UEETFWP525paRNZ8RaL14V0-n0o51quCWvvFONOSnSFDNa2F9jqh4HC6XC348OLDXcBV6po3-9D1ShvJ9H2g3-fZ1xDpglR0chfo_2KtD1mkiGU-__hBX_Ps4s-rsY=" target="_blank" track=on shape=rect linktype=link><b>found here on our website</b></a>.<o:p></o:p></span></p> </div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'><o:p>&nbsp;</o:p></span></p> <div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'>º% <strong><span style='font-family:"Arial","sans-serif"'>Benefit Fairs</span></strong>: Crosby receives many requests to participate in fairs, so please understand that scheduling is done on a &quot;first-come-first-serve&quot; basis. We encourage you to let us know as soon as possible so we may try to fulfill your request. To request our participation, please <a href="mailto:ndallessandro@crosbybenefits.com" target="_blank" shape=rect><b>email Nancy D'Allessandro</b></a> with the following information:<o:p></o:p></span></p> </div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'><o:p>&nbsp;</o:p></span></p> <div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'>· Date and Time of fair<o:p></o:p></span></p> </div> <div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'>· Estimated attendance<o:p></o:p></span></p> </div> <div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'>· Location (please be specific)<o:p></o:p></span></p> </div> <div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'>· Parking arrangements<o:p></o:p></span></p> </div> <div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'>· Raffle - should Crosby contribute a raffle prize? <o:p></o:p></span></p> </div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'><o:p>&nbsp;</o:p></span></p> <div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'>Crosby will attend benefit fairs upon request, subject to availability.<o:p></o:p></span></p> </div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'><o:p>&nbsp;</o:p></span></p> <div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'>º% <strong><span style='font-family:"Arial","sans-serif"'>Customized Communications &amp; Promotional Materials</span></strong>: We can include customized communication pieces with your employee enrollment packets. We also offer other valuable promotional materials to boost employee participation such as FSA brochures and informational one-pagers.<o:p></o:p></span></p> </div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'><o:p>&nbsp;</o:p></span></p> <div> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'>To take advantage of these solutions and learn more about preparing for your renewal season, please contact your Crosby Consultant.<o:p></o:p></span></p> </div> </div> </td> </tr> </table> <p class=MsoNormal><span style='font-size:10.0pt'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td width="100%" valign=top style='width:100.0%;background:white; padding:3.75pt 3.75pt 3.75pt 3.75pt'></td> </tr> </table> </td> </tr> </table> </td> </tr> <tr style='mso-yfti-irow:1;height:11.25pt'> <td width="100%" valign=top style='width:100.0%;padding:.75pt .75pt .75pt .75pt; height:11.25pt'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:#003330; mso-yfti-tbllook:1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt' id="content_LETTER.BLOCK14"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p class=MsoNormal align=center style='margin-bottom:3.75pt;text-align: center'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:white;mso-no-proof:yes'><img border=0 width=451 height=63 id="_x0000_i1027" src="http://ih.constantcontact.com/fs040/1104749692491/img/4.jpg" alt="Description: http://ih.constantcontact.com/fs040/1104749692491/img/4.jpg"></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:white'><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:#003330; mso-yfti-tbllook:1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt' id="content_LETTER.BLOCK13"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><strong><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:white'>The Crosby Connection Newsletter is intended for Crosby Client Contacts.</span></strong><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:white'><o:p></o:p></span></b></p> <p class=MsoNormal align=center style='text-align:center'><strong><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:white'>© 2011 Crosby Benefit Systems</span></strong><b><span style='font-size: 10.0pt;font-family:"Arial","sans-serif";color:white'><o:p></o:p></span></b></p> </td> </tr> </table> <p class=MsoNormal><span style='font-size:10.0pt'><o:p></o:p></span></p> </td> </tr> </table> </div> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center;background:white'><span style='display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>