Conference 7.286::digital

       Re .0
    
     NOW, NOW!!
      Today's still January.....until midnight...
    
    
      (Actually, I've been sort of expecting to hear something too....but
    then, I'm certainly not surprised to hear that they haven't gone out
    yet....)
    
      John McD

    
    	digital has denied the release of the monies, according to
    	the person at phone number 508-493-6234......
    
    
    	call and let them know what you think.
    
    
    	rich

    The response *Digital* gave (referenced in .2) is the only kind of
    response I expected.
    
    I (the sceptic that I am) feel they will be real creative in figuring
    out how NOT to return that money to anyone...
    
    So, in short, "don't count your chickens before they hatch"!
    
    When/If you get a check in the mail... Run yourself down to the bank
    and cash it before it bounces.
    
    Just my opinion!
    
    Bob
    

    I have received the name and number of someone to contact about check
    status.  I have left her two voicemails.  I am waiting for detailed
    response for status.  Once I have status, I will post it here.  At this
    time, I will not post name and number, as this person probably does not
    want to receive 1000's of voicemails.  Soon as I hear anything, I will
    post it here.
    
    FYI, the checks were to be mailed, so you could receive them by the end
    of January.  CIGNA said that Digital told them not to mail the checks
    yet.  This is heresay.  Fact; I have no check.  FAct; today is 1-31-94.
    Fact; I got two voicemails into someone for status.  Fact;  soon as I
    hear any facts, I will post them here.
    
    Like burger king, " I LOVE THIS PLACE!"
    
    Bob
    

    Official corporate response, " All we are told is that an official
    statement will be forthcoming."
    
    
    I love this place, still.
    
    Bob
    

    I have questions for the noters:
    
    1) Do you know if no one has received his/her check ?
                      ======
    
    2) If someone has received his/her check previously, why others don't ?
    
    3) When (commitment date) the checks will be mailed ?
    
    4) Why if the letter received stated end of Jan. (which for all
       practical purposes is past due) they have not been mailed ?
    
    	I asked these questions because I've heard some people around my
    office area stating receipt of 'insurance checks' (they are travelling
    and I can not ask right now if it is the same CIGNA check or some other
    insurance payments).    

    re: .6
    
    I spoke to someone supposedly in Corporate Benefits and someone at
    CIGNA.  The guy at CIGNA said that NO checks have yet been mailed and
    the hold-up seems to be at Digital Corporate.
    
    The person that I talked to in Corporated said that something that 
    will answer *all* our questions is supposed to come in E-mail today.
    
    Anybody know that name of a good lawyer?
                          

    I wonder if someone has taken them to court as to the cutoff date which
    was defining who would get a payment ?
    

    re: .8
    
    That could well be, but it still makes me angry that no one told us
    anything until the checks were past due.  And it seems to me that
    no matter when they decided the cut off would be someone would be
    angry.
    
    

    Here's my idea.  Call Cigna and tell them that if they don't lean on
    corporate, you will drop your policy in a heartbeat.  There are plenty
    of other games out there!!
    
    -Jack

        I know of 2 people who HAVE received this money, infact she said
    everyone in that office HAS received their money. In fact back in
    December. This happened 2 days after they called back the 800 number to
    give the info needed for new policy. This money was deposited into
    their accounts at the DCU. Just why have SOME people received this
    money and the rest of you get shafted ??? 

    And how in the world can DEC put a hold on this money ?? isn't this
    money owed to us by John Hancock ??

    I have a call into my Attorney !!!

    Also, if you elected to put this money into your account, did they do
    this and are those folks getting interest on this money ??
    
    
    -Flash

I talked to CIGNA, and the woman there indicated that NONE of the checks have
been mailed out.   I asked if there was a problem (i.e. lawsuit from people
nailed by the cutoff date) and she said no.  There is apparently a separate
pool of money reserved to handle those issues.  I asked her if the amounts 
were being changed, and she said no... we will still get whatever they quoted
us in the original document.

Then she offered to call me as soon as she had any updated information.

Very professional... I don't know if there are other issues that she may not 
yet be aware of, though.

Bob

re:-1

	Who has received money from CIGNA???

	I also selected electronic payment and no luck yet.

	I called CIGNA and they said no checks were mailed and to
	call DTN: 223-6234 as previous noter said.

	I called and left recording.  (even though previous noter said to wait)
	I called other DTN's and ahve left two message's.

	Seems nobody is around to talk 1-1 about it.

	In this case No News sounds like BAD News :-(

	Dick

    
    Here is what I was told:
    
    Corporate personnel hotline 1-800-544-9944 " Letters will be sent out
    by Cigna regarding this matter this week". No other information.
    
    So...I called Cigna 1-800-828-3485 " What was that? We are not sending
    out any letters, who at Digital told  you that? What is here name?"
    They also said no checks are being sent out. NO explanation"
    
    Thanks Digital for Starting 1994 off right. IF the earthquake wasn't
    bad enough for us out here in Calif, now I have to put up with this
    bull.
    
    
    

    	Personally, I think it's those morale-boosting experts at the top
    at work again! I mean, THIS is impressive! Promise everyone hundreds or
    even thousands of dollars, and then at the last second, say, "Ah ha!
    Just kidding!" It's priceless. You just couldn't make up anything
    better than this. They must all be sitting around whooping it up at
    corporate headquarters this time! You really had us going this time,
    you knuckleheads!
    	Next time you have to present to the SLT, watch out for joy buzzers
    in their hands and whoopie cushions on the seats! I don't know, but the
    sight of 88k employees speeding towards corporate headquarters with
    their cars, minivans, and trucks packed full of explosives will be
    quite a sight!
    	Hey...just tryin' to lighten' the mood a little. Good thing I
    didn't put that CIGNA money on the Bills!

    Folks I don't know but it seems that this is out of control.
    Here's my suggestion:
    
    	Get all our inputs, including the now famous letter that we all
    received from CIGMA/DEC stating the insurance pay-back and dates.
    I propose we send an official message to our Senior V.P. of Personnel.
    
    	This will help in case some of us will go all the way to court
    in a civil lawsuit, that is each person's decision.
    
    	Can people please let me know what they think.

    RE: .16  by ELMAGO::JMORALES 
    
    >I propose we send an official message to our Senior V.P. of Personnel.
    
    Why not send one to the V.P. of Ethics, assuming Digital still has any.
    

    Re: .17-
    
    >RE: .16  by ELMAGO::JMORALES 
    
    >>I propose we send an official message to our Senior V.P. of Personnel.
    
    >Why not send one to the V.P. of Ethics, assuming Digital still has any.
    
    	And call the Insurance Commisioner's office for your state.
    
    Phil

    I received the same runaround as .14  - DEC blames CIGNA, CIGNA blames
    DEC. Makes me think that someone in Digital Corporate removed their
    head from their butt just long enough to stick it in the sand. 

     I just spoke to a CIGNA customer rep...she informed me that the checks
    will be in the mail in the morning. I mentioned the 'bru ha' and rumors
    about a delay and possible change of plan...she politely assured me
    that the checks WILL be mailed out. 
    
    Hopefully it's not a "checks' in the mail" tactic !
    
    Sheesh !
    
    Jp
    

    Ijust called CIGNA Customer Service Center at 1-800-828-3485 and was
    told without hesitation that the checks will be mailed out tomorrow.

    I also just called CIGNA Customer Service Center and was told that the
    checks have been printed.  Some of them will go out late this
    afternoon, and the rest of them will go out tomorrow morning.

    
    	I was wondering how many insurance checks does it take to buy
    	a new PORCHE?
    
    	Just another satisfied Employee so grateful that I have extra money
    	that was promised to me, and opps 'Just kidding' 'I don't think so'
    	
    	Bob,
    	
    		How many checks does it take to pay your increase?  of 20%
    	I know I didn't get that much, and oh BTW, just cause your the
    president 'Doesn't mean your also a client'.....!
    
    	thanks bunch,
    

    Wonderful news...and I hope it's true. I'd still like to know what
    caused the delay and confusion within DEC. Sure shakes the confidence
    in corporate process.
    
    Jp
    

I also called the Cigna # 800-828-3485 (Tues. 2/1/94)
and was told the checks are being printed today and
will be mailed out tomorrow - 2/2/94......

I'll believe it when I see it in my hand!!!

    
    Well I for one will still not make any of those purchases until I have the
    check in hand, or should I say the cash in hand after cashing it !
    
    
    Seeing is beleiving
    
    -Flash

    Update - 
    
    I finally received return phone calls for messages that I left for
    U.S. Benefits yesterday and this morning.  I was called by two
    different people and got the same message from both of them.
    
    They both said that the checks are being mailed tomorrow (2/2).  One
    also said that a Reader's Choice message will be coming out this
    afternoon and will explain what is going on.

RE:-1
	I did same as you and also received two verifying phone calls
	in return on voice mail saying "checks to be mailed tommorrow"

                  I N T E R O F F I C E   M E M O R A N D U M

                                        Date:     01-Feb-1994 01:42pm EST
                                        From:     Readers Choice
                                                  CHOICE.READERS AT A1 at SALES at MRO
                                        Dept:     
                                        Tel No:   

TO: See Below
 
Subject: #4777-Optional Life Insurance Refund                                   

From  U.S. BENEFITS, DTN 223-6234


  SUBJECT: OPTIONAL LIFE INSURANCE PROGRAM - CLAIM STABILIZATION                     
           RESERVE REFUND MAILED FEBRUARY 2, 1994
    
  As communicated in the October 1993 Benefits Bulletin and the Optional 
  Life Insurance Open Enrollment materials, employees who were covered 
  by the Optional Life Insurance Program on August 17, 1993 will receive 
  a share of the Claim Stabilization Reserve.  The money was scheduled 
  to be distributed in January 1994 but administrative delays precluded 
  this. 
    
  Checks, however, have now been printed and will be mailed on 
  Wednesday, February 2.
    
  We sincerely regret this delay and apologize for any inconvenience it 
  may have caused.
  

Distribution:
This message was delivered to you utilizing the Readers Choice delivery 
services.  You received this message because you are a U.S. Digital 
Employee who requested a refund.  If you have questions regarding this 
message, please contact the author of the memo.

UNIX Users:
- to send VAXmail:    READERCHOICE@SALES.enet.dec.com
- to send ALL-IN-1:   READERS.CHOICE@MRO.mts.dec.com

    Did anyone else feel the Reader's Choice explanation didn't explain
    much? Just hope we get checks that cash......
    
    what next?
    
    Sue

    I learned a lot more from this discussion, a lot sooner, than I did
    from Digital or CIGNA.  We'll never get a full explanation easily, but
    I can't help wonder what the real story is.  A few extra days of
    interest on the held money comes to pocket change individually and 
    can't total much more than $10-20K.  If I asked my state Insurance
    Commissioner, would he/she care?  If the checks bounce, should I have
    CIGNA or Digital arrested?
    
    bleah.
    
    Stan

    It's interesting that the checks are a couple of days late (did anyone
    really ever expect them to be mailed out prior to Jan 31?) and this
    notesfile is full of replies expressing doubts about Digital making
    good on their promise.  It's sad to see that our confidence in
    management has eroded to the point that a one or two day delay inspires
    this kind of reaction.

      Re: .32

      Thank you for saying that.  The cynicism and resignation that I 
      was hearing in this topic and the other one related to the refund 
      checks left me quite sad.  Administrative tie-ups in complex 
      organizations are based on the nature of the beast ... not on 
      malevolent intent among the majority of the members of those 
      organizations.

      If you don't like the way that the organization runs, strive to
      make it run better.  Offer positive suggestions rather than 
      pointing fingers.  If you can't trust other's good will, trust in 
      their enlightened self-interest.  Do you really think that our 
      management is so stupid as to run the company into the ground by 
      demoralizing the people who create the profit?

      Terry

    
    
    RE: last 2.  They have 3+ months to get this thing going.  Administrative 
    complications is as good of excuse as any.  Rest assured that there was 
    more to the story.
    
    
    
    Mike 

re: Do you really think that our management is so stupid as to run the company 
into the ground by demoralizing the people who create the profit?

I do yes. I see evidence of it every day.


I figure somebody in finance decided to wait until the end of the month to
mail these checks so digital could reap some extra interest.

dave

    I didn't receive the memo from Readers Choice, but I am due for
    the refund.  Looks as if their distribution list is up to date also.
     Tried the phone number but just got the recording.

    Re .34
    
    Sounds like we should send it to Paul Harvey for "The Rest of the
    Story".                           
    
    }8-)}
    

    
    
    I got a mail message this morning saying that the
    checks are to be mailed today (2/2/94).
    
    We shall see.....
    
    Rick A

Re. Note 2878.33

	> Do you really think that our 
	> management is so stupid as to run the company into the ground by 
	> demoralizing the people who create the profit?

A few possible answers:

1. By all accounts, the company is being run into the ground: DEC 29 5/8

2. Morale is presently at an all time low.

3. Profit? What profit? 

4. If not management, then who?
    
/Bob

    Yeah - I'd certainly like to hear the whole story.  My feeling is also
    that they wanted to leave the money in an account until after the end
    of the month so that they could collect the interest.
    
    Re: the last few - 
    
    I personally have lost a lot of confidence in Digital management and
    its decision-making abilities.  For instance, the lay-off of the
    instructors in the training department at CXO was, IMHO, a monumental
    mistake.  I know that most of those people found jobs in other
    departments, but the thought of how much knowledge Digital management
    was willing to escort out the door - well, it really scares me.
    
    I don't want to start a rat-hole here, but I still have strong feelings
    about how the TFSO decisions are made - I know that we all know folks
    who don't carry their weight and haven't for years.  Management chooses
    to ignore those folks and lay off good, knowledgeable, and experienced
    people.  Sure doesn't make me feel confident in their abilities.
    
    Just my $0.02
    

    
    re: 33 What company do you work for?
    
    One doesn't wait until the last minute to pull something like this on
    people. The results will be as they turned out. A lot of angry and
    concerned individuals calling Cigna and Digital to find out the status.
    And to only be told, "nobody knows" what is going on.   
    
    Digital management deserves whatever negative feedback came from the
    absolutely poor handling of this matter. Sheer stupidity in light of
    the morale at Digital.
    
    I would really like to see things start working correctly again at
    Digital, but it appears just about everything is a mess.
    
    

	I received my cheque, I cashed it today, DCU did  *_NOT_*  put
a hold on it, despite its size {greater than my badge number (-: }

	Reg

    Wait a minute... Are you saying (.-1) that the DCU isn't cashing these
    checks until they clear???? Is that what I read from your reply?
    
    WHY would they need to do this?
    
    Bob
    

    No, I think note .42 says that DCU did ***NOT*** put a hold on the
    check, like they normally do for all business checks over something
    like $500 and which are from out of town.
    
    Of course,I would hope that DCU would not need to put a hold on these
    checks, but...
    
    Jim

    I guess I misunderstood/misread .42.... My mistake.
    
    Bob
    
    

    >I guess I misunderstood/misread .42.... My mistake.
    
    no problem \Bob, it happens to the best of us.
    
    just don't do it again !
    
    \bye
    \nasser

    	What's interesting is that people have started receiving their
    checks, but for some strange reason, electronic transfers of funds
    (direct deposit) has not yet happened. At least, I keep checking the
    balance, and it's not there. Anyone who requested direct deposit get
    theirs yet?

    Remember, direct deposit requires money in the bank, checks only
    require paper and ink...
    
    If and when I get mine, I'll cash it as fast as I do DEC stock on 
    Dec. 1 and June 1!
    
    re: .32 and .33
    
    Wake the heck up!  The very worst thing any company can do to its
    employees is to muck with their money!!!  If a slip is going to happen,
    then notify the employees as soon as it is known...don't let the
    employees find out first, especially via a darn'd notes file!!!
    And especially when a company is in serious trouble, just like DEC
    (oooops Digital <--- maroon in color).  
    
    WAKE UP, hello, HELLO!

re Note 2878.47 by STAR::DIPIRRO:

>     	What's interesting is that people have started receiving their
>     checks, but for some strange reason, electronic transfers of funds
>     (direct deposit) has not yet happened. At least, I keep checking the
>     balance, and it's not there. Anyone who requested direct deposit get
>     theirs yet?
  
        I'm totally puzzled by this -- I don't recall being given any
        EFT option.  How would one have requested this?

        (I also haven't seen a check, or EFT, yet.)

        Bob

    Got the check this afternoon (Saturday).
    
    There is no possible way to cash the check before monday morning 
    but 8:00am sharp there will be a funds transfer take place...
    
    All Digital Checks seem to show up after banking hours or on 
    holidays these days...
    
    Checks seem to be in the mail, we got ours in Dallas...
    
    
    John W..

Recieved on Sat.  (Merrimack NH).  Date on check was 2/1/94.  

I don't recall seeing the EFT option either.

bjm

    Received Friday, in bank Saturday...

        Interesting:  my check showed up on Saturday, as did my wife's,
        for a similar 1x amount. She was tfso'd in June last year...
        
        Andy
        

    I think we've pretty well established that in fact the checks were sent
    out.  Could we dispense with any further followup notes to the effect
    that "my check came, and I did X with it"?  Tyvm...
    
    If we can restrain the chaff, then interesting and potentially
    incendiary items like Andy's .53 will be more obvious...
                                                            

>    There is no possible way to cash the check before monday morning 
>    but 8:00am sharp there will be a funds transfer take place...

Is that 'no way for you to cash the check'?  Are you referring to 
something you will do with funds xfer as opposed to something Digital
needs to do to cover the checks?

>>    There is no possible way to cash the check before monday morning 
>>    but 8:00am sharp there will be a funds transfer take place...

>Is that 'no way for you to cash the check'?  Are you referring to 
>something you will do with funds xfer as opposed to something Digital
>needs to do to cover the checks?
    
    
    I'm refering to the simple fact that Digital Checks always come
    one Saturday, After my bank is closed for business;-)
    
    You can't cash Digital Checks at Liquor store outside of the GMA..;-)
    
    John...

    .53

>        Interesting:  my check showed up on Saturday, as did my wife's,
>        for a similar 1x amount. She was tfso'd in June last year...

    Sorry to hear that your wife was tfso'd, but would you please post all
    of the facts.

    The partial statement contained within you're entry seems to imply that
    she received a check but wasn't in the plan in as of August 17.  Before
    such conjecture takes place, you should answer the question:

	Did her TFSO package provide salary continuation and benefits
	through August 17?


	-AJ

        Re .57, Aj,
        
        There was  no  attempt to imply anything beyond the fact that I
        found it interesting that with no prior warning, she received a
        CIGNA/Digital cheque in the same mailing as I received mine.

        As for her benefits,  I'm unsure of the precise details, but it
        is possible that her continuance was through August 17th.
        
        Andy
        

    re: direct deposit
    
    I don't recall any "direct deposit" option. What I do recall is that you
    could have the $$$ sent to you by check, or you could have it put into
    a CIGNA Cash Accumulation Fund.
    
    Possibly the reference to direct deposit was really refering to this
    Cash Accumulation Fund? The only other answer is that some people were
    given options that others were not.
    
    Marleen

    NO, You are not the only one. The only difference is.. everyone else is
    being a little more patient. This is money you were not expecting to
    get, yet you now want to make a federal case out of the fact you havn't
    yet received it... Relax, it will get there. I certainly won't get to
    you any quicker by your complaining...!
    
    Besides, the person on the phone is *not* the bad guy in this. Don't
    take it out on her..!
    
    Think about it... Is the fact that you haven't received this unexpected
    check yet going to cause you health problems... ONLY if you let
    something this trivial cause you to have a heart-attack...!!
    
    It will arrive in it's on due time.!!
    

re Note 2878.62 by BSS::GROVER:

>     This is money you were not expecting to
>     get, yet you now want to make a federal case out of the fact you havn't
>     yet received it... 

        Well, before last November he wasn't expecting to get it, but
        ever since the insurance mailing he has had a written
        statement saying that he is owed this money and will get it.

        I think that three months is plenty of patience!

        Bob

        P.S. -- I haven't gotten it yet, either.

    since we are on the subject, i just like to say that i have not got my 
    check neither, but then again iam not sure if i should be getting one 
    like every one else seems to or not since no one tells me anything
    about what is going one around here.
    
    this whole thing looks like a big mess i think.
    
    \nasser

    gees people. relax a bit. i live in MN and i recieved my check last
    friday. frankly, i don't have any complaints. consider:
    
         - is money i didn't expect to get
         - is money i don't have to pay more taxes on
         - is money i was informed i was getting well in advance 
         - is money i recieved pretty dog gone close to when i was told
              i would recieve it
    
    so relax. it'll show up
    
    gene

    re .65:
    
    So then, don't let anyone stop you... Go ahead, blow a gasket!
    
    It will make your check arrive that much faster if you boil over.
    
    To spite your obvious misfortune... Have a nice day!
    
    Smile, life's to short!
    
    

    Sometimes when I'm feeding the cats, I'll just load up the dish and hold
    it just out of their reach for a minute or so. It's most entertaining.

    what i dont understand is that even DECeeees in mini-soda (out of
    all places! ) are getting checks in the mail, while i have no 
    clue if i'll get one or not and i only live and work just miles away 
    from GMA !

    something fishy around here.

    i would like to take this occasion and to also second .67 motion for all 
    of us cool down , this is a tough time for all of us, together , united
    we can overcome it.
    
    \nasser

    RE: .70 Have you had optional life insurance though Digital payroll
    deduction for the last couple of years? If not, you're not going to
    get a check. If you have then you may be getting one. You should have
    gotten a letter last fall explaining all this. If you didn't then 
    maybe you should talk to someone in personnel. Maybe they don't have
    your home address correct in their records.

    			Alfred

    re.: 69
    
    YES, I have been informed that I have a sizable check coming in the
    mail.
    
    YES, I have gone to the mail box each day since Thursday to see if it
    had arrived... BUT, I will continue to wait. I have not made plans
    (yet) for the money... I have not gone out and charged anything with
    the expectation of receiving this money...
    
    YES, if after a time (not yet determined) I haven't received this
    check, I will followup with a call to the appropriate folks to report
    that it hasn't arrived yet... BUT, for now, I will wait.
    
    Ok, so you're not blowing a gasket... 
    
    The check will still arrive when it arrives..!
    
    

    	I've been doing so many bizarre things with money and investments
    lately (none of which result in making more of it!), that there very
    well may not have been an EFT option. I may have been thinking about
    the EFT option for the ESPP. In any case, my check arrived on Saturday.
    I cashed it first thing this morning.

re: -.47 & .73

	I also asked for the electronic transfer assuming it would get
	deposited quicker.

	I believe this was done after they sent the letter to the house
	confirming what type future converage I wanted.  During this 
	confirmation call (all electronic) I beleive there was an option
	you could select that would xfr the $$$ electronically.

	But like you I received a check in the mail.

	Like you I was wondering if anyone else did this?


	dick

So, hat is the number? I'd like to call and see wherte my check is..

    I also requested that my check be deposited and was surprised when it
    arrived Saturday.
    
    Anyway it's in the bank now.
    
    Cal 

    
    
     Mine arrived in the mail today, Monday 2/7.
    
     Mark

    Received mine in the Saturday mail.
    
    Chet

    
    
    I got mine on saturday, deposited in my account this morning.  
    
    
    Andy

    Hmmmm will there be 50,000 "I got mine" notes in here?
    
    Lets just say they are starting to arrive - please.
     
    Jt

    
     PLEASE !, no more i got mine notes !!
    
    iam getting a headache !
    
    \bye
    \nasser
    who_don't_know_if_he'll_get_his_or_not

    See .54
    
    :)
    

Finally, I was getting sick of all the whining.

What happened:

Digital offered everyone free life insurance

Digital offered everyone additional life insurance for
   a price, price was announced for every option

People were told every year in this notes file they could
  get the same coverage a lot cheaper on the outside

Every year people kept renewing their extended coverage (me included,
  it was convenient)

While changing insurance providers, Digital discovered we weren't
  dying as fast as projected, and more money was charged than
  required.

Digital offered to refund the money.

People started accusing Digital of being deceitful, thieves, and worse.


ME, ME, ME, ME    MINE, MINE, MINE, MINE, MINE    

    Hmmm...The new premiums with CIGNA appear high too. If DEC changes
    insurance carriers again,say in ten or fifteen years,wonder if another
    rebate could be forth-coming. Maybe some of the folks not getting
    checks will go with CIGNA now. Hmmmm...
    
    Ken

Re: .83 (I agree completely)



	The best news of all is that despite:

		the uncertainty of working for	Digital, 
		the constant stress of re-organizations, 
		the constant complaining about upper management, 
		the fears of each current separation program	
		the lack of perceived support within Digital,
		increased worker isolation and loneliness,
		late checks,
		no checks, 
		and
		(fill in your favorite...)


	Digital employees are STILL living longer than the actuarial tables
	forecast us to live

	Something must be right......


	Bob

    All together now: "I GOT MINE!" Let's be sure to rub lots of rock-salt
    in the wounds of those not getting checks!
    
    Ken

    
       The "experience" rating can certainly go up and down depending
    on claims, therefore the premiums could certainly go up and down
    as well. Hopefully Digital reviews this more closely on an annual
    basis and makes the appropriate adjustments, so there isn't a
    scenerio of either too much or too little in the fund.
    
          Mark

    Well, will DIGITAL still have control over this, or is the move to
    CIGNA to get us out of the self insurance business.  If that is so,
    I would think that CIGNA and Digital would (hopefully) negotiate
    annually, but I'd bet that CIGNA bases their reserves on all insured
    persons, not just ours.
    
    Bill
    

    
      re: .88   Property insurance rates for companies are based on the
                experience of each particular company, not on all the
                insurance co. customers.  I would hope that other
                insurance would be rated the same way.
    
                If Digital did not self-insure to the amounts it does, the
                premium costs would probably severely dent the
                profitability.
    
                Now as for life insurance, I couldn't tell you.
    
                Mark

>     Well, will DIGITAL still have control over this, or is the move to
>     CIGNA to get us out of the self insurance business.  If that is so,
>     I would think that CIGNA and Digital would (hopefully) negotiate
>     annually, but I'd bet that CIGNA bases their reserves on all insured
>     persons, not just ours.
>     

       Because the Digital/CIGNA insurance is an open enrollment
       program, the mortality rates are ALWAYS higher than an insurance
       program that requires physicals. If you want low rates and you
       are fortunate enough to in good physical condition, you may get
       better rates outside of Digital. In my case, the rates are
       significant less - though I was required to pass a physical and
       submit to a blood test.

       Gim

    .12 mentioned a "separate pool of money reserved to" handle issues such
    as lawsuits from people nailed by the cutoff date.
    
    Since all of this money was funds that "WE" overpaid in earlier years,
    does that mean that the residue will have to be disbursed by
    Digital/CIGNA in the future?
    
    Wonder if you this will have a "new" cutoff date?