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                                                                    EXHIBIT 10.2

                 AMENDED EXHIBIT A-1 FOR PERFORMANCE PERIOD 2004

                         SENIOR MANAGEMENT PARTICIPANTS

<TABLE>
<CAPTION>
                                                                         MAXIMUM
                                                                   PARTICIPATION
 NAME                         POSITION                                PERCENTAGE
---------------------------------------------------------------------------------
<S>                           <C>                                  <C>
SENIOR MANAGEMENT

Lawrence E. Daurelle          President & Chief Executive Officer           85%
</TABLE>

[Information Regarding Other Plan Participants Omitted]

                                       1
<PAGE>

                  AMENDED EXHIBIT B FOR PERFORMANCE PERIOD 2004

                           INCENTIVE BONUS CALCULATION

An Incentive Bonus will be earned by a Participant based upon RSL's achieving
the Measuring Objective of the Plan as set forth in Exhibit C. The Incentive
Bonus will be the product of the Achievement Percentage as set forth in Exhibit
D multiplied by the Participation Percentage times Base Salary.

The Participation Percentage is an amount as determined by the Participant's
manager based on the Manager's assessment of the Participant's performance
during the Performance Period, subject to the maximum percentage set forth in
Exhibits A-1 and A-2. The actual Participation Percentage to be awarded is
discretionary and will be based on the recommendations of the Participant's
senior officer, subject to the approval of the President of RSL.

For Participants set forth in Exhibit A-1, the Committee in its sole discretion
may elect to award the Incentive Bonus as either (a) cash or (b) a grant of
options to purchase shares of Delphi Class A Common Stock ("Incentive Options"),
or a combination of both, subject to the approval by the Stock Option and
Compensation Committee of the Board of Directors of Delphi Financial Group, Inc.
("Delphi"). With regard to Incentive Options, the Incentive Bonus amount shall
be divided by the fair market value of the Delphi Class A Common Stock on the
date of grant of the option, and the quotient then multiplied by three (3),
yielding the total number of Incentive Options awarded.

For Participants set forth in Exhibit A-2, the Incentive Bonus is payable in
cash.

All Incentive Options shall be granted under Delphi's Second Amended and
Restated Employee Stock Option Plan, as amended from time to time, and have the
same characteristics and properties. The Incentive Option price per share shall
be one hundred percent (100%) of the Fair Market Value of a share on the date of
grant. For purposes hereof, "Fair Market Value" shall be the closing price on
the date of grant of a share of Delphi Class A Common Stock, as reported on the
New York Stock Exchange (the "NYSE"), or, if the shares are not then listed for
trading on the NYSE, the closing price of the shares as reported on another
recognized securities exchange or system. If the shares did not trade on the
grant date on the NYSE or such other applicable exchange or system, the Fair
Market Value for purposes hereof shall be the reported closing price on the last
business day on which the shares were traded preceding the grant date. Each
Incentive Option shall have a term of ten (10) years, exercisable immediately in
full. In the case of termination of employment, by either party, for any reason
whatsoever (subject to the following sentence), options may be exercised any
time during the remainder of the ten (10) year term. If a Participant's
employment is terminated by the Company on account of any act of (a) fraud or
intentional misrepresentation or (b) embezzlement, misappropriation or
conversion of assets or opportunities of the Company, or any unauthorized
disclosure of confidential information or trade secrets of the Company, all
unexercised Incentive Options shall terminate as of the date of such
termination.

                                       2
<PAGE>

                  AMENDED EXHIBIT C FOR PERFORMANCE PERIOD 2004

                              MEASURING OBJECTIVES

The 2004 Measuring Objective of the Plan is Life Insurance Companies Operating
Income per the Elements of Profit on page two of the monthly financial package,
for the life companies only. For 2004, this amount is $88,897,000.

August 6, 2004                         3
<PAGE>

                  AMENDED EXHIBIT D FOR PERFORMANCE PERIOD 2004

                             ACHIEVEMENT PERCENTAGE

If the actual results of RSL in the 2004 Plan year equal or exceed the 2004
Measuring Objective, the 2004 Achievement Percentage will be equal to an amount
as determined by the Chairman of the Board of RSL, such amount will not be less
than 90% or greater than 110%.

If the actual results of RSL in the 2004 Plan year are less than the 2004
Measuring Objective, the Achievement Percentage will be an amount, if any, as
determined by and at the sole discretion of the Chairman of the Board of RSL.

August 6, 2004                         4<PAGE>

                                                                    EXHIBIT 10.1

                                                                  EXECUTION COPY

                        EIGHTH AMENDMENT dated as of May 27, 2004 (this
            "Amendment") to the Credit Agreement dated as of September 22, 2000
            (the "Credit Agreement") as heretofore amended, among Select Medical
            Corporation, a Delaware corporation (the "Company"), Canadian Back
            Institute Limited, an Ontario corporation and a wholly owned
            subsidiary of the Company ("CBIL" and, together with the Company,
            the "Borrowers"), the Lenders party thereto, JPMorgan Chase Bank
            (formerly The Chase Manhattan Bank), as US Agent and US Collateral
            Agent, JPMorgan Chase Bank, Toronto Branch (as successor to J.P.
            Morgan Bank Canada (f/k/a The Chase Manhattan Bank of Canada)), as
            Canadian Agent and Canadian Collateral Agent, Banc of America
            Securities, LLC, as Syndication Agent, and CIBC, Inc., as
            Documentation Agent.

            WHEREAS, the Borrowers have requested that the Lenders (such term
and each other capitalized term used but not otherwise defined herein having the
meaning assigned to it in the Credit Agreement) approve the amendment of certain
provisions of the Credit Agreement;

            WHEREAS, the undersigned Lenders are willing, on the terms and
subject to the conditions set forth herein, to approve such amendment;

            NOW, THEREFORE, in consideration of these premises, the Borrowers
and the undersigned Lenders hereby agree as follows:

            SECTION 1. Amendment. Effective as of the Amendment Effective Date
(as defined in Section 3 hereof), the parties hereto hereby amend the Credit
Agreement as follows:

            (a)   Amendment of Section 2.05. Section 2.05(b) is hereby amended
by replacing "US$15,000,000" with "US$25,000,000".

            (b)   Amendment of Section 6.11. Section 6.11(g) is hereby amended
by replacing "US$80,000,000" with "US$200,000,000".

            SECTION 2. Representations and Warranties. Each of the Borrowers
represents and warrants to each of the Lenders that, after giving effect to the
amendments contemplated hereby, (a) the representations and warranties of such
Borrower set forth in the Credit Agreement are true and correct in all material
respects on and as of the date of this Amendment, except to the extent such
representations and warranties expressly relate to an earlier date (in which
case such representations and warranties shall be true and correct in all
material respects as of the earlier date) and (b) no Default has occurred and is
continuing.

            SECTION 3. Effectiveness. This Amendment shall become effective as
of the date (the "Amendment Effective Date") when the Administrative Agent (or
its

<PAGE>

counsel) shall have received copies hereof that, when taken together, bear the
signatures of the Borrowers and the Required Lenders.

            SECTION 4. Applicable Law. THIS AMENDMENT SHALL BE CONSTRUED IN
ACCORDANCE WITH AND GOVERNED BY THE LAW OF THE STATE OF NEW YORK.

            SECTION 5. No Other Amendments. Except as expressly set forth
herein, this Amendment shall not by implication or otherwise limit, impair,
constitute a waiver of, or otherwise affect the rights and remedies of any party
under, the Credit Agreement, nor alter, modify, amend or in any way affect any
of the terms, conditions, obligations, covenants or agreements contained in the
Credit Agreement, all of which are ratified and affirmed in all respects and
shall continue in full force and effect. This Amendment shall apply and be
effective only with respect to the provision of the Credit Agreement
specifically referred to herein. This Amendment shall constitute a "Loan
Document" for all purposes of the Credit Agreement and the other Loan Documents.

            SECTION 6. Counterparts. This Amendment may be executed in two or
more counterparts, each of which shall constitute an original, but all of which
when taken together shall constitute but one contract. Delivery of an executed
counterpart of a signature page of this Amendment by facsimile transmission
shall be as effective as delivery of a manually executed counterpart of this
Amendment.

            SECTION 7. Headings. Section headings used herein are for
convenience of reference only, are not part of this Amendment and are not to
affect the construction of, or to be taken into consideration in interpreting,
this Amendment.

<PAGE>

            IN WITNESS WHEREOF, the Borrower and the undersigned Lenders have
caused this Amendment to be duly executed by their duly authorized officers, all
as of the date first above written.

                                        SELECT MEDICAL CORPORATION,

                                          by /s/ Michael E. Tarvin
                                             -----------------------------------
                                             Name: Michael E. Tarvin
                                             Title: Senior Vice President

                                        CANADIAN BACK INSTITUTE LIMITED,

                                          by /s/ Michael E. Tarvin
                                             -----------------------------------
                                             Name: Michael E. Tarvin
                                             Title: Vice President

                                        JPMORGAN CHASE BANK, individually and as
                                        US Agent and US Collateral Agent,

                                          by /s/ J S Ely
                                             -----------------------------------
                                             Name: J S Ely
                                             Title:

                                        JPMorgan Chase Bank, Toronto Branch,
                                        individually and as Canadian Agent and
                                        Canadian Collateral Agent,

                                          by /s/ Christine Chan
                                             -----------------------------------
                                             Name: Christine Chan
                                             Title: Vice President

<PAGE>

                                        To approve the Eighth Amendment (the
                                        "Amendment") to the Select Medical
                                        Corporation Credit Agreement dated as of
                                        September 22, 2000:

                                        Name of Institution:

                                        CIBC INC.
                                        ----------------------------------------

                                          by /s/ George Knight
                                             -----------------------------------
                                             Name: George Knight
                                             Title: Managing Director, CIBC
                                             World Markets Corp. as Agent

                                          by
                                             -----------------------------------
                                             Name:
                                             Title:

<PAGE>

                                        To approve the Eighth Amendment (the
                                        "Amendment") to the Select Medical
                                        Corporation Credit Agreement dated as of
                                        September 22, 2000:

                                        Name of Institution:

                                        CALYON NEW YORK BRANCH
                                        ----------------------------------------

                                          by /s/ Charles Heidsieck
                                             -----------------------------------
                                          Name: Charles Heidsieck
                                          Title: Managing Director

                                          by /s/ Attila Coach
                                             -----------------------------------
                                          Name: Attila Coach
                                          Title: Managing Director

<PAGE>

                                        To approve the Eighth Amendment (the
                                        "Amendment") to the Select Medical
                                        Corporation Credit Agreement dated as of
                                        September 22, 2000:

                                        Name of Institution:

                                        CREDIT SUISSE FIRST BOSTON, acting
                                        through its Cayman Islands Branch

                                          by /s/ Paul Colon
                                             -----------------------------------
                                          Name: Paul Colon
                                          Title: Director

                                          by /s/ Vanessa Gomez
                                             -----------------------------------
                                             Name: Vanessa Gomez
                                             Title: Associate

<PAGE>

                                        To approve the Eighth Amendment (the
                                        "Amendment") to the Select Medical
                                        Corporation Credit Agreement dated as of
                                        September 22, 2000:

                                        Name of Institution:

                                        FLEET NATIONAL BANK

                                          by /s/ Kevin Wagley
                                             -----------------------------------
                                             Name: Kevin Wagley
                                             Title: Principal

<PAGE>
                                        To approve the Eighth Amendment (the
                                        "Amendment") to the Select Medical
                                        Corporation Credit Agreement dated as of
                                        September 22, 2000:

                                        Name of Institution:

                                        GENERAL ELECTRIC CAPITAL CORPORATION

                                          by /s/ Brian Schwinn
                                             -----------------------------------
                                             Name: Brian Schwinn
                                             Title: Duly Authorized Signatory

<PAGE>

                                        To approve the Eighth Amendment (the
                                        "Amendment") to the Select Medical
                                        Corporation Credit Agreement dated as of
                                        September 22, 2000:

                                        Name of Institution:

                                        PNC BANK, NA

                                          by /s/ Jeffrey S. DeLay
                                             -----------------------------------
                                             Name: Jeffrey S. DeLay
                                             Title: Assistant Vice President

                                          by
                                             -----------------------------------
                                             Name:
                                             Title:

<PAGE>

                                        To approve the Eighth Amendment (the
                                        "Amendment") to the Select Medical
                                        Corporation Credit Agreement dated as of
                                        September 22, 2000:

                                        Name of Institution:

                                        WACHOVIA BANK, NATIONAL ASSOCIATION

                                          by /s/ Jeanette A. Griffith
                                             -----------------------------------
                                             Name: Jeanette A. Griffith
                                             Title: Director

                                          by
                                             -----------------------------------
                                             Name:
                                             Title:

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