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October 15, 2010

XYZ Company 123 Street Anywhere,USA 98765

Dear XYZ Company Employees,

Effective January 1, 2011, the company provided health care benefits will be undergoing policy changes. Below is a detailed outline of the new changes in our health care coverage.

Our company’s decision to remain with ABC Health Care was due to their ability to provide comprehensive coverage without having to change the network of participating health care providers that employees have established relationships with. However, with the rise in health care costs and the down turn of the economy, it has been necessary for our company to make changes in copays, deductibles and some coverages that were previously included. Faced with a significant increase in health insurance premiums, XYZ has had to consider various cost saving measure with the employees and company's best interest in mind. XYZ is commited to our community and our employees and therefore determined that the best way to save was to make changes to the health care coverage.

Please join us November 1st in the Human Resources Training Room from 10:00 am until 3:00 pm. This time has been arranged for employees with concerns and questions to speak with our Benefits Manager and a representative of ABC Health Care.  We appreciate your understanding and regret any inconvience this may cause. Together we know we can work for a better tomorrow in providing better services and products today and in future.

Sincerely, Jane Jones XYZ Company Chief Executive Officer

Contributors Names:

Elizabeth_Benson Christine Morrison Kelly Martinez