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UNREIMBURSED MEDICAL EXPENSES OUT-OF-POCKET EXPENSES NOT COVERED BY YOUR MEDICAL INSURANCE PLAN SUCH AS DEDUCfIBLES. COPAYMENTS, BRACES, CHIROPRACfORS, CRUTCHES, DENTAL FEES, PRESCRIPTION DRUGS, EYE GLASSES, CONTACf LENSES, INSULIN, ROUTINE PHYSICALS, WHEELCHAIRS and X-RAYS TO NAME A FEW. CHILD OR DEPENDENT CARE EXPENSES YOU MAY USE TAX FREE DOLL-\RS TO PAY FOR CERTAIN DEPENDENT AND CHILD CARE EXPENSES. THESE EXPENSES MUST BE INCURRED TO ALLOW YOU and YOUR SPOUSE TO WORK, UNLESS YOUR SPOUSE IS A FULL-TIME STUDENT or INCAPABLE OF SELF-CARE. GROUP HEALTH INSURANCE PREMIUMS 'GROUP HEALTH INSURANCE 'DENTAL INSURANCE -VISION INSURANCE -GROUP TERM LIFE SUPPLEMENTAL INSURANCE BENEFITS CANCER INSURANCE . Current trends indicate approximately 1,252,000 new cancer cases will be diagnosed. . About 85 million Americans now living will eventually have cancer, :1 [Iou t l' r. ~ i ~ I!: ,e (:. . An estimated 8,000 new cancer cases will be diagnosed in children in 1996. . Over 8 million Americans alive today have a history of cancer. . Most important, 1 nn.:y'(, :!llIr;: h;:-; c~~'.l]d be -;.wd each vear with early detection. . According to the American Cancer Society, only 34% of the financial impact of cancer are paid by group health insura: for the direct medical expenses incurred. HOSPITAL INTENSIVE CARE INSURANCE . Between 15% and 20% of all inpatient costs are related to ICUs. . Close to $20 billion a year is spent on Hospital Intensive Care Units. SHORT TERM DISABILITY INSURANCE . Consider the facts...One in four individuals will become disabled for at least 12 months before the age of 65. . A worker in his or her 30s is more than three times as likely to become disabled as he or she is to die before the age of . 48% of all home foreclosures result from disability while only 3% result from death. HOSPITAL INDEMNITY INSURANCE . If you or someone in your family requires hospitalization, the best medical insurance program may not cover all your bills! . . On average, someone suffers a stroke in the U.S. every minute. . This year as many as 1,500,000 Americans will have a heart attack. . 40% of all heart attacks occur between the ages of 40-64. . Approximately 468,000 coronary artery bypass surgeries were performed in 1992. (1995 Statistical Supplement by the American Heart Association) ACCIDENT INCOME PLANS . Over eight million Americans suffer disabling injuries in a one year period. . Over three million Americans are injured at home where they are not covered by workers compensation. GROUP TERM LIFE INSURANCE . As an active employee, you need life insurance you can afford now, and coverage you can convert to permanent insurance when you grow older. KCI FINAt~CIAL SERVICES INC. 4801 S. University Drive. Atrium Center, Suite 120 - FI. Lauderdale, FL 33328. (954) 434-5100. Fax (954) 434-5201 qA