EMPLOYMENT AGREEMENT


     EMPLOYMENT  AGREEMENT dated January 29, 1997 (the "Employment  Agreement"),
by and among THE WELLCARE  MANAGEMENT  GROUP,  INC., a New York corporation with
its principal place of business at Park West/Hurley Avenue Extension,  Kingston,
New York 12401 (the  "Company"),  and Mary Lee  Campbell-Wisley,  residing  at 7
Normandy Court, West Hurley, New York 12491 (the "Employee").

                              W I T N E S S E T H:

     WHEREAS,  the  Company  desires to employ  the  Employee  and the  Employee
desires to be employed by the Company.

     WHEREAS,  the Company  desires to restrain the Employee from competing with
it.

     NOW,  THEREFORE,  in  consideration  of  the  foregoing  premises  and  the
representations,  warranties,  covenants,  and agreements herein contained,  and
other good and valuable consideration,  the receipt and sufficiency of which are
hereby  acknowledged by the parties hereto, the parties hereto,  intending to be
legally bound, agree as follows:

     1. TERM OF  EMPLOYMENT.  The Company  hereby agrees to employ the Employee,
and the Employee hereby accepts such employment with the Company, upon the terms
and conditions set forth in this Employment Agreement, for the period commencing
on the date  hereof  (the  "Effective  Date") and ending  January  28, 2000 (the
"Expiration  Date"),  unless sooner terminated in accordance with the provisions
of Section 4 (such period being referred to herein as the "Employment Period").

     2. EMPLOYEE'S RESPONSIBILITY AND PERFORMANCE.

     2.1 During the Employment  Period, the Employee shall serve in the capacity
of and hold the title of Executive  Director of WellCare of New York,  Inc. with
the primary responsibility to assist the President of WellCare of New York, Inc.
in managing  and leading the  day-by-day  activities  of the HMO  operations  of
WellCare  of New York,  Inc.,  a New York  State  certified  health  maintenance
organization and a wholly-owned subsidiary of the Company managed by the Company
(the "WellCare HMO"), and shall be subject to the supervision of, and shall have
such  authority  as is  delegated  to her by, the  President/COO  of the Company
consistent with such position.  The  President/COO  of the Company may alter the
Employee's  position  through a promotion upon  acceptance of the Employee.  The
Employee  hereby accepts such  employment and agrees to undertake the duties and
responsibilities normally

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<PAGE>

inherent in such  position  and such other  duties and  responsibilities  as the
President/COO  of the Company shall from time to time  reasonably  assign to her
consistent with such position.

     2.2  During the  Employment  Period,  the  Employee  shall  devote her full
business time and attention to the discharge of her duties and  responsibilities
hereunder and shall be based in Kingston, New York. The Employee agrees to abide
by the reasonable  rules,  regulations,  instructions,  personnel  practices and
policies of the Company, and any reasonable changes therein which may be adopted
from time to time by the  Company,  as such  rules,  regulations,  instructions,
personnel  practices and policies may  reasonably be applied to employees of the
Company.

     2.3 During the Employment Period and for a period thereafter,  as set forth
in Section 6.1, the Employee shall not compete with the Company, as specifically
provided for in Section 6.

     3. COMPENSATION; BONUS; BENEFITS.

     3.1  Salary.  During  the  Employment  Period,  the  Company  shall pay the
Employee, in installments consistent with the Company's usual payroll practices,
an annual base salary of  $145,000,  which  amount shall be subject to review as
provided in this  Section  3.1. In the event that the  Employee is, or is to be,
employed for less than a full payroll  installment  period,  such installment of
the annual base salary shall be appropriately adjusted.

     3.2 Stock Options.

          (a) To provide the Employee  with an  incentive to become  employed by
     the Company,  which  incentive  provides the  Employee  with a  proprietary
     interest in the Company through  ownership of Common Stock, $.01 par value,
     of the  Company  (the  "Common  Stock"),  subject  to the  approval  of the
     Compensation  Committee which is charged with  administering  the Company's
     1993  Incentive and  Non-Incentive  Stock Option Plan (the  "Plan"),  which
     approval the Company will recommend and use its best efforts to cause,  and
     subject to the execution and delivery of Stock Option  Agreements  (as such
     term is defined herein), the Company shall grant Employee:

               (i)  promptly  following  the  execution  and  delivery  of  this
          Employment  Agreement,  the Company  agrees to grant to the Employee a
          five-year  option under the Plan, to purchase  45,000 shares of Common
          Stock  hereunder at an exercise  price equal to the closing sale price
          of Common Stock on January  29,1997.  Such options  shall include both
          incentive  and  non-incentive  stock  options,  the  exact  number  of
          incentive options to be equal to ($100,000/per share exercise price of
          the options) x3) with the

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<PAGE>

          balance of the options to be non-incentive options. Such options shall
          have the terms and  conditions set forth in the forms of incentive and
          non-incentive  stock  option  agreements  annexed  hereto  as  Exhibit
          3.2(a)(i).

     3.3 Benefits.  As of the Effective Date and during the  Employment  Period,
the Employee shall be entitled to participate in the benefit programs  available
to employees  in senior  management  positions  at the Company  (the  "Executive
Benefit  Plans")  from time to time in a manner and amount  consistent  with the
Company's  employment  policies  in  effect  from time to time.  Such  Executive
Benefit Plans currently include those listed on Schedule 3.3. The Employee shall
be  entitled to  participate  in, and receive  the  benefits  of, any  Executive
Benefit Plan as of the Effective  Date,  subject to any  eligibility  or waiting
periods with respect thereto.

          (a) Life  Insurance:  A standard rated premium policy in the amount of
     $362,500.00.

          (b) Disability  Insurance:  In lieu of long-term disability insurance,
     the Company will reimburse  Employee the cost of employee's  prior obtained
     long term disability  insurance  throughout the term of her employment with
     the Company, not to exceed $ 123.47 per month.

     3.4 Vacation;  Sick Leave. During the Employment Period, the Employee shall
be entitled to four (4) weeks paid vacation during each twelve-month  period and
to sick leave as is consistent with the Company's  employment policies in effect
from time to time.

     3.5 Reimbursement of Expenses. The Company shall reimburse the Employee for
all reasonable  expenses incurred or paid by the Employee in connection with, or
related  to, the  business of the  Company  and the  performance  of her duties,
responsibilities or services under this Employment Agreement,  upon presentation
by the Employee of documentation, expense statements, vouchers and/or such other
supporting information as the Company may reasonably request.

     3.6  Car  Allowance.  A  company  automobile.  Lease  payments  of  company
automobile are not to exceed  $550.00 per month.  Service of vehicle will be the
responsibility  of Employee to obtain and maintain and shall be  reimbursable by
WellCare  according to company  policy.  Mileage  incurred as a direct result of
travel on behalf of WellCare  shall be  reimbursable  by WellCare at the rate of
$0.12 per mile.

     3.7 Relocation Expenses.  The Company shall pay the Employee a one time sum
of $__________ less applicable deductions,  to reimburse employee for relocation
and moving expenses.

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     4.  EMPLOYMENT  TERMINATION.  The employment of the Employee by the Company
pursuant to this Employment  Agreement may be terminated by the Company upon the
occurrence of any of the following:

     4.1 Expiration of the Employment Period in accordance with Section 1.

     4.2 At the election of the  Company,  for Cause,  immediately  upon written
notice by the Company to the  Employee.  For the  purposes of this  Section 4.2,
"Cause" for termination shall be deemed to exist solely in the event of:

          (a) the Employee's  engaging in any act,  including but not limited to
     any act of  "Moral  Turpitude"  (as  defined  below),  that  is  materially
     damaging  or  detrimental  to,  the  Company  or any  of  its  subsidiaries
     (including  WellCare  of New York,  Inc.  ("WellCare-NY")  and  WellCare of
     Connecticut,  Inc.  ("WellCare-CT")) or its affiliates,  or the business or
     reputation of the Company or any of its subsidiaries (including WellCare-NY
     and WellCare-CT) or its affiliates;

          (b) any material  breach of the  Employment  Agreement by the Employee
     which is not cured by the Employee (to the extent curable  without  adverse
     effect on the Company)  within 30 days after written  notice by the Company
     to the Employee setting forth a description of such material breach;

          (c) the indictment of the Employee for any felony; or

          (d) the neglect by the  Employee in  performing  her  material  duties
     under this  Employment  Agreement which is not cured by the Employee within
     30 days after written notice by the Company to the Employee setting forth a
     description of such neglect.

For  purposes  hereof,  "Moral  Turpitude"  shall  mean (A) a knowing  breach or
violation of any  applicable  law,  (B) a civil fraud or deceit,  (C) a material
misstatement or omission of fact or (D) intentional misconduct.

     4.3 At the election of the Company,  without  Cause,  upon sixty (60) days'
prior written notice to the Employee.

     4.4  Immediately  upon the death or disability of the Employee.  As used in
this Employment  Agreement,  "Disability"  shall mean the complete  inability to
perform the material services contemplated under this Employment Agreement for a
period of ninety (90)  consecutive  days or one hundred twenty (120) days in any
calendar  year.  A  determination  of  Disability  shall be made by a  physician
satisfactory to the Company.

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     4.5 At the election of the Employee,  for any reason, upon sixty (60) days'
prior written notice to the Company.

     4.6 At the election of the Company upon ten (10) days' prior written notice
to the Employee, if pursuant to the regulations  promulgated under Article 44 of
the new  York  Public  Health  Law,  the New York  State  Department  of  Health
undertakes a character  and  competency  review of the Employee as an officer of
the Company,  in its capacity as the  management  contractor  of WellCare of New
York, Inc. ("WellCare-NY"),  and as a result of such review the Company receives
notice of a  determination  that the  Employee is of  unsatisfactory  character,
competence or standing in the community.

     5. EFFECT OF TERMINATION.

     5.1 Termination by the Company for Cause or Termination by the Employee. In
the event the  Employee's  employment is  terminated by the Company  pursuant to
Section  4.2 or 4.5,  the  Company  shall pay to the  Employee  the  salary  and
benefits  otherwise  payable to her under  Section 3 through the last day of her
actual employment by the Company.

     5.2  Termination by the Company  Without Cause. In the event the Employee's
employment is terminated by the Company pursuant to Section 4.3:

          (a) if within the period  January 29, 1997  through  January 28, 1998,
     the Company shall pay to the Employee,  nine months salary and maintain the
     benefits  otherwise  payable to the Employee  under  Section 3.3 for a nine
     month  period,  provided  the  Employee  executes a full  release of claims
     against the Company

          (b) if within the period January 29, 1998 through January 28,1999, the
     Company  shall pay to the  Employee,  six months  salary and  maintain  the
     benefits  otherwise  payable to the  Employee  under  Section 3.3 for a six
     month  period,  provided  the  Employee  executes a full  release of claims
     against the Company;

          (c) if within the period  January 29, 1999  through  October 31, 1999,
     the Company shall pay to the Employee, three months salary and maintain the
     benefits  otherwise  payable to the Employee  under Section 3.3 for a three
     month  period,  provided  the  Employee  executes a full  release of claims
     against the Company;

     5.3 Termination  for Death or Disability.  In the event that the Employee's
employment  is  terminated  by the Company  pursuant to Section 4.4, the Company
shall pay,  in the case of the  Employee's  death,  to the estate or  designated
beneficiaries of the

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Employee,  or,  in  the  case  of  the  Employee's  Disability,   to  her  legal
representatives,  the salary and benefits to which the Employee would  otherwise
be entitled under Section 3 through the last day of her actual employment.

     5.4 Termination by the Company  following the New York State  Department of
Health's  Non-approval of Character and Competency of the Employee. In the event
the Employee's  employment is terminated by the Company pursuant to Section 4.6,
the Company shall pay to the Employee the salary and benefits  otherwise payable
to her under  Section 3 through  the last day of her  actual  employment  by the
Company.

     6. NON-COMPETE

     6.1 The Employee,  whether as employee,  partner, joint venturer,  officer,
director, manager, consultant,  advisor, owner (direct or indirect) of more than
one  percent  (1%) of the stock or equity  interest  of a  corporation  or other
entity or otherwise, shall not, during the Employment Period and for a period of
one (1) year after the Expiration Date:

          (a) engage directly or indirectly in, or permit any entity  controlled
     by such person or entity to engage  directly or indirectly  in, any managed
     health care or health  insurance  business or venture  (including,  without
     limitation,  a self-insured  employer,  insurer,  employee  welfare benefit
     plan, health service  corporation or other managed care payor organization,
     a  health  maintenance   organization,   preferred  provider  organization,
     physician-  hospital  organization or provider  organization or network,  a
     third-party  administrator,  an independent practice association,  a health
     care  alliance,  a  hospital  or other  health  care  facility,  or another
     individual  or entity that,  directly or  indirectly,  provides,  finances,
     manages or administers  health care  services) that is in competition  with
     any of the businesses  carried on by the Company or any of its subsidiaries
     or  affiliates  in (i) those  areas  within the State of New York where the
     Company is engaged in the delivery of its products and services, or (II) in
     the State of Connecticut; or

          (b) recruit or otherwise solicit or induce any employee of the Company
     or any of its  subsidiaries  (including  WellCare-NY  and  WellCare-CT)  or
     affiliates to terminate  her  employment  with, or otherwise  terminate her
     relationship  with,  the  Company  or any of  its  subsidiaries  (including
     WellCare-NY and WellCare-CT) or affiliates, as the case may be.

     6.2 If any restriction set forth in this Section 6 is found by any court of
competent  jurisdiction  to be  unenforceable  because it extends for too long a
period of time, over too great a range of activities,  in too broad a geographic
area or for any other  reason,  it shall be  interpreted  to extend  only to the
maximum extent, whether period of time, range of activities,  geographic area or
other terms, as to which it may be enforceable.

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     7 PROPRIETARY INFORMATION

     7.1 The Employee acknowledges that her relationship with the Company is one
of high trust and  confidence  and that in the course of her  employment  by the
Company she will have access to and contact with  "Proprietary  Information" (as
defined below). The Employee agrees that she will not (except in the performance
of her duties for the  Company),  during  the  Employment  Period or at any time
thereafter,  disclose,  communicate  or  divulge,  in whole  or in part,  to any
person, firm, corporation, association or other entity for any reason or purpose
whatsoever,  or use for her  benefit or the  benefit  of any such other  person,
firm,  corporation,  association or entity,  any  Proprietary  Information.  For
purposes of this Employment Agreement,  "Proprietary Information" shall mean (i)
any and all (A) methods, processes, manuals, trade secrets, know-how, inventions
and other proprietary information used by the Company or any of its subsidiaries
or affiliates in the conduct of their respective businesses,  (B) software owned
or  used  by the  Company  or any of its  subsidiaries  or  affiliates,  and (C)
improvements, enhancements,  modifications, updates and corrections with respect
to any of the  foregoing,  as and  when  same  are  released,  (II)  any and all
information,  data,  forms,  policies,  procedures,   manuals,  customer  lists,
documents,  files, surveys and materials of any kind created,  owned or provided
by the  Company  or any of its  subsidiaries  or  affiliates,  (iii) any and all
information or data  affecting or relating to the business or financial  affairs
of, or other information  relating to, the Company or any of its subsidiaries or
affiliates or any customer or client thereof (including, without limitation, the
names of its  customers,  prices and  rates,  and any  health  care  information
pertaining to subscribers  thereof),  and (iv) any derivative works based on any
of the foregoing information, data or materials described in clauses (i) through
(iii) above.

     7.2 The  Employee's  obligations  under  Section 7.1 shall not apply to any
information that:

          (a) is or becomes  known to the  general  public  under  circumstances
     involving no breach by the Employee of the terms of Section 7.1;

          (b) is  generally  disclosed to third  parties by the Company  without
     restriction on such third parties; or

          (c) is  approved  for release by written  authorization  of the Board;
     provided,  however, that a breach of any obligation under Section 7.1 shall
     not  be  cured  by the  subsequent  occurrence  of  any  of  the  foregoing
     exceptions.

     7.3 Upon termination of this Employment Agreement or at any other time upon
request by the Company,  the Employee shall promptly  deliver to the Company all
Proprietary  Information,   including  all  records,  files,  memoranda,  notes,
reports,  price lists,  customer lists, plans, tapes, computer diskettes and any
other documents (and all copies or

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reproductions  of such materials in her  possession or control)  relating to the
business of the Company and its subsidiaries and affiliates.

     8. INJUNCTIVE  RELIEF.  The restrictions  contained in Sections 6 and 7 are
necessary for the protection of the business and goodwill of the Company and are
considered  by the  Employee to be  reasonable  for such  purpose.  The Employee
agrees that any breach or  threatened  breach of Sections 6 and 7 will cause the
Company  substantial and irreparable  damage and therefore,  in the event of any
such  breach,  the remedies at law will be  inadequate,  and in addition to such
other  remedies  which  may be  available,  the  Company  shall be  entitled  to
equitable  remedies  (including an injunction)  and such other relief as a court
may deem  appropriate.  Nothing  herein shall be construed  as  prohibiting  the
Company from pursuing any other remedies for such breach or threatened breach.

     9. REPRESENTATIONS.

     9.1 The  Employee  hereby  represents  to the  Company  that she is legally
entitled to enter into this  Employment  Agreement  and to perform the  services
contemplated herein.

     9.2 The Company  hereby  represents  to the Employee  that this  Employment
Agreement has been duly executed and delivered by the Company and  constitutes a
legal,  valid and binding  obligation  of the Company,  enforceable  against the
Company  in  accordance  with its  terms,  except as the same may be  limited by
bankruptcy,  insolvency,  moratorium,  reorganization  or other  laws of general
applicability relating to or affecting the enforcement of creditors' rights.

     10. NOTICES.  All notices and communications  hereunder shall be in writing
and  shall  be  deemed  to be duly  given if  delivered  personally,  mailed  by
certified  mail (return  receipt  requested)  or sent by  telecopier  (confirmed
thereafter by certified mail) to the parties at the following  addresses or such
other addresses as shall be specified by the parties by like notice:

                               if to the Company:

                       The WellCare Management Group, Inc.
                        Park West/Hurley Avenue Extension
                               Kingston, NY 12401
               Attention: Joseph R. Papa, Chief Operating Officer
                        Telecopier Number: (914) 338-0566

                               if to the Employee:

                            Mary Lee Campbell-Wisley
                                7 Normandy Court
                              West Hurley, NY 12491

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     Notice so given  shall (in case of  notice so given by  certified  mail) be
deemed to be given and received on the fifth  calendar day after posting and (in
case of notice  so given by  telecopier  or  personal  delivery)  on the date of
actual transmission or (as the case may be) personal delivery.

     11.  INDEMNIFICATION.  The Company  agrees to indemnify  the Employee  with
respect to matters  arising in connection  with her employment by the Company to
the fullest extent permitted by the New York Business Corporation Law.

     12.  SETTLEMENT OF CONTROVERSY OR CLAIM.  Any  controversy or claim arising
out of or relating to this Employment  Agreement,  or breach  thereof,  shall be
settled  by  arbitration  in  accordance  with the rules then  obtaining  of the
American Arbitration  Association and the judgement on the award rendered may be
entered in any court having  jurisdiction  thereof.  The prevailing party in any
such  proceeding  shall be entitled to  reimbursement  of its costs and expenses
(including reasonable attorney's fees) in connection with such proceedings.

     13.  ATTORNEYS'  FEES AND  COSTS.  If any  action  at law or in  equity  is
necessary to enforce or interpret the terms of this  Employment  Agreement,  the
prevailing  party shall be entitled to reasonable  attorneys'  fees,  costs, and
necessary  disbursements  in  addition  to any  other  relief to which he may be
entitled.

     14.  GOVERNING  LAW.  This  Employment  Agreement  shall be governed by and
construed in accordance  with the laws of the State of New York,  without giving
effect to conflict of laws provisions.

     15. MISCELLANEOUS.

     15.1  Assignment.  The obligations of the Employee are personal and may not
be assigned by her.

     15.2  Headings.  The  article  and  section  headings  of  this  Employment
Agreement are for convenience of reference only and shall not be deemed to alter
or affect provisions hereof.

     15.3 Waivers. Neither the failure nor any delay on the part of either party
hereto in exercising  any right,  power or remedy  hereunder  shall operate as a
waiver  thereof or  preclude  any  further  or other  exercise  thereof,  or the
exercise  of any other  right,  power or remedy.  A waiver or  consent  given by
either party on any one occasion  shall be effective  only in that  instance and
shall not be construed as a bar or waiver of any right on any other occasion.

     15.4 Binding  Effect.  Subject to the  provisions of Section 15.1,  all the
terms and  provisions  of this  Employment  Agreement  shall be binding upon and
inure to the benefit of and be enforced by the Company and the  Employee and the
legal representatives of the

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Employee  and the  Company  and the  respective  successors  and  assigns of the
parties hereto.  The Employment  Agreement shall not run to the benefit of or be
enforceable  by any person other than a party to this  Employment  Agreement and
subject to the  provisions of Section 15.1,  the  successors,  assigns and legal
representatives..

     15.5 Entire  Agreement.  This Employment  Agreement  constitutes the entire
agreement   between  the  parties  and  supersedes  all  prior   agreements  and
understandings,  whether written or oral, relating to the subject matter of this
Employment Agreement.

     15.6 Validity.  The  invalidity,  illegality,  or  unenforceability  of any
particular  provision of this  Employment  Agreement  shall not affect any other
provisions hereof, and this Employment Agreement shall be construed in all other
respects as if such invalid, illegal, and unenforceable provisions were omitted.

     15.7  Counterparts.  This  Employment  Agreement may be executed in several
counterparts,  each of  which  shall be  deemed  an  original,  but all of which
together shall constitute one and the same instrument.

     15.8 No Conflict.  Each of the parties does hereby represent and warrant to
the other that nothing herein  conflicts with or shall cause a default under any
document, agreement,  instrument or other writing to which said party is a party
or by which said party is bound.

     15.9  Publicity.  Neither  party  shall have the right to disclose to third
parties the terms and  conditions of this  Employment  Agreement,  including its
existence,  without the express prior written consent of the other party, except
as may be required by applicable law,  including United States  securities laws,
rules and regulations. Neither party shall originate any publicity, news release
or  public  announcement,  written  or oral,  whether  to the  public  or press,
stockholders or otherwise,  relating to the terms of this Employment  Agreement,
including its  existence,  the subject  matter to which it relates,  performance
under it, or any of the specific terms or conditions to any amendment  hereto or
performance hereunder except such announcements as in the opinion of the counsel
for the party making such  announcement  are required by law. If a party decides
to make an announcement  which it believes to be required by law with respect to
this  Employment  Agreement,  it will give the  other  party  such  notice as is
reasonably practicable and an opportunity to comment upon the announcement.

     15.10 Pronouns. Whenever the context may require, any pronouns used in this
Employment Agreement shall include corresponding  masculine,  feminine or neuter
forms,  and the singular  forms of nouns and pronouns  shall include the plural,
and vice versa.

     15.11 Amendment.  This Employment Agreement may be amended or modified only
by a written instrument executed by both the Company and the Employee.

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     15.12  Survival.  The  provisions  contained in Sections 5 through 12 shall
survive any expiration or termination of this Employment Agreement.

     IN WITNESS  WHEREOF,  the parties  hereto  have  executed  this  Employment
Agreement as of the day and year set forth above.


                                        THE WELLCARE MANAGEMENT GROUP, INC.



                                        By:  /s/ Joseph R. Papa
                                           --------------------------------
                                             Joseph R. Papa, President/COO



                                        Date:
                                             ------------------------------

                                        EMPLOYEE

                                        /s/ Mary Lee Campbell-Wisley
                                        -----------------------------------
                                            Mary Lee Campbell-Wisley


                                        Date:
                                             ------------------------------

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                                                                 Schedule 3.3 to
                                                            Employment Agreement

EXECUTIVE BENEFIT PLANS*

     Vacation:                     Twenty (20) days per calendar year

     Company Paid Holidays:        Ten (10) days per calendar year

     Sick Time:                    Five (5) days per calendar year

     Personal Time:                Five (5) days per calendar year


     Health Insurance:             Full   family   coverage   provided   through
                                   WellCare of New York, Inc.

     Auto Allowance:               $550.00 per month.

     Mileage:                      For    business-related    use   of   Company
                                   automobile, mileage is reimbursed at the rate
                                   of $0.12 per mile.

     Dental Insurance:             Available  the first of the  month  following
                                   the   completion   of  six  (6)   months   of
                                   employment  through  The  Guardian.  Employee
                                   shares with  WellCare the cost of coverage as
                                   follows:

          Single Coverage:                   $2.31 per biweekly payroll
          Employee and Spouse:               $11.37 per biweekly payroll
          Employee and Child/Children:       $9.92 per biweekly payroll
          Family Coverage:                   $18.98 per biweekly payroll

     401(k) Profit Sharing Plan and Trust:

                                   Available  the first of the  month  following
                                   the  completion  of  twelve  (12)  months  of
                                   employment and one thousand  (1,000) hours of
                                   work.

*Please also refer to The WellCare  Management Group, Inc.  Personnel Policy and
Practice Manual.

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