Document:

Schedule of Benefits For Standard Plan

 EXHIBIT 10.6 
  
 SCHEDULE OF BENEFITS 
 FOR STANDARD PLAN 
  
 Benefit Plan 207 
  

			
	 Major Medical Benefits (Associates and Dependents)
	  	 
	 Individual Lifetime Maximum
	  	 $750,000

	 Maximum Hospital Daily Benefit
	  	 Semi Private

	 Charge of semi-private room of which hospital has greatest number will be paid toward private room.
	  	 
	 Number of Days per Confinement
	  	 Unlimited

  

					
	 	  	Utilizing Participating
Provider

	  	Utilizing Non-Participating
Provider

	 Deductible Amount Per Calendar Year
	  	 	  	 
	 Single
	  	$0	  	$0
	 2 Member Family
	  	$0	  	$0
	 3 or more Member Family
	  	$0	  	$0
	 Percent of Company Participation after Deductible
	  	100%	  	100%
	 Out-of-Pocket Maximum Per Calendar Year (Includes Deductible)
	  	 	  	 
	 Single
	  	$0	  	$0
	 Family
	  	$0	  	$0
	 Hospitalization
	  	 	  	 
	 Number of Inpatient Days
	  	Unlimited
100%	  	Unlimited
100%
	 X-Ray, Lab and Miscellaneous Hospital Services in a:
	  	 	  	 
	 •       Hospital (Inpatient and Outpatient)
	  	 	  	 
	 •       Skilled Nursing Facility
	  	 	  	 
	 •       Outpatient Surgery Facility
	  	 	  	 
	 Pre-Certification Required for All Inpatient Hospital Confinements
	  	Required No Penalty for
Non Certification	  	Required No Penalty for
Non Certification
	 Surgery Services (Including Inpatient and Outpatient)
	  	100%	  	100%

					
	 Second Surgical Opinion (Elective Non-Emergency Surgeries)
	  	100%	  	100%
	 Physician Visits
	  	 	  	 
	 Hospital
	  	100% (No limit)	  	100% (No limit)
	 Office
	  	100%	  	100%
	 Radiation Therapy
	  	100%	  	100%
	 Maternity (Includes coverage for dependent daughters)
	  	100%	  	100%
	 Emergency Care
	  	100%	  	100%
	 Mental Health and Alcoholism/Substance Abuse
	  	 	  	 
	 Inpatient/Transitional Treatment
	  	100%	  	100%
	 Outpatient
	  	100%	  	100%
	 Short Term Rehabilitation Therapy
	  	 	  	 
	 Physical
	  	100%	  	100%
	 Occupational
	  	100%	  	100%
	 Speech
	  	100%	  	100%
	 Chiropractic Services
	  	100%	  	100%
	 Preventative Care (Includes x-rays and lab tests in connection with exam)
	  	100%	  	100%
	 Well Baby Care, including immunizations, the first 6 visits will not apply to the maximum (Birth to 6 years of age)
	  	100%	  	100%
	 Routine Physical Exam (over age 6)
	  	100%	  	100%
	 Pap Smears
	  	100%	  	100%
	 Mammograms
	  	100%	  	100%
	 Tuberculosis Testing (to age 19)
	  	100%	  	100%
	 X-ray and Lab Tests
	  	100%	  	100%
	 Allergy Care
	  	100%	  	100%

					
	 Ambulance
	  	100%	  	100%
	 Durable Medical Equipment
	  	100%	  	100%
	 Oral Surgery
	  	100%	  	100%
	 Vision Care Eye Exams (for illness or injury only)
	  	100%	  	100%
	 Lenses
	  	100%	  	100%
	 Frames
	  	100%	  	100%
	 Contact Lenses
	  	100%	  	100%
	 Hearing Exams
	  	100%	  	100%
	 Health Education & Counseling
	  	Not Covered	  	Not Covered
	 Hospice Care
	  	 	  	 
	 Impatient
	  	100%	  	100%
	 Outpatient
	  	100%	  	100%
	 Bereavement Counseling
	  	Not Covered	  	Not Covered
	 Skilled Nursing Home
	  	100%	  	100%
	 Home Health Care
	  	100%	  	100%
	 Family Planing Elective Sterilization
	  	100%	  	100%
	 Prescription Drugs
	  	 	  	 
	 Copay Waived with Drug Card
	  	$0 Generic/Brand	  	No BenefitSummary of Benefits Insured by Mutual of Omaha

 EXHIBIT 10.7 
  
 KOHL'S DEPARTMENT STORES 
 September 1, 2003 
 Summary of Benefits Insured by Mutual of Omaha 
  
 Class 1, CEO, President, COO 
  

									
	Basic Life & Accidental Death & Dismemberment	 	Business Travel Accident
	 (Provided by Kohl's)

	 	 (Provided by Kohl's)

				
	What is my Life Insurance benefit?	 	3x your Salary ($3,000,000 max)	 	 If I die while traveling on Business for Kohl's,
 what is my Benefit?
	 	$250,000
				
	What is my Accidental Death Benefit?	 	3x your Salary ($2,000,000 max)	 	If I'm hurt while Traveling on Business, are there any other benefits?	 	 Yes, benefits of $62,500, $125,000 or
 $250,000 may be paid for specific
 losses

				
	What is my Accidental Dismemberment Benefit?	 	 1/4 to 1x your Salary
 (depending upon the loss)
	 	 What if I have an Emergency while Traveling
 on
Business?
	 	 The coverage includes a
 Worldwide Assistance

Program

				
	Who Pays for It?	 	Kohl’s	 	 	 	 
				
	Will My Benefit Continue if I get Disabled?	 	Yes	 	 	 	 
				
	Is there a Living Benefit if I develop a Terminal Condition?	 	Yes	 	 	 	 
				
	Can I keep my Life Insurance When I Retire?	 	No	 	 	 	 
				
	Can I Convert Coverage to an Individual Policy when I Terminate employment?	 	Yes	 	 	 	 
	 	 	 	 	 	 	 
		
	Supplemental Life	 	Voluntary Accidental Death & Dismemberment
	 (Optional)

	 	 (Optional)

				
	How much extra Life Ins can I buy?	 	1x your Salary	 	How much extra AD&D can I buy?	 	 
				
	Is there a maximum?	 	Yes, Basic + Supplemental cannot exceed $3,000,000	 	Associate	 	Increments of $10,000 to a maximum of $500,000
					
	What is the Monthly Cost?	 	 Age Bracket

	 	 Life Rate/$1000

	 	 	 	% of your coverage
	 	 	0-29	 	$0.04	 	Spouse only	 	60%
	 	 	30-34	 	$0.05	 	Child(ren) only	 	25% for each child
	 	 	35-39	 	$0.06	 	Spouse and Child(ren)	 	50% spouse
	 	 	40-44	 	$0.10	 	 	 	20% for each child
	 	 	45-49	 	$0.13	 	 	 	 
	 	 	50-54	 	$0.25	 	Are only Accidental Deaths covered?	 	No, there are benefits for certain
	 	 	 55-59
 60-64
 65+
	 	 $0.41
 $0.54
 $0.84
	 	 	 	dismemberments and paralysis
	 	 	 	 	  
 What is the Monthly Cost?
	 	  
 Associate: $.22 per $10,000 Dependents: $.40 per
$10,000

					
	 	 	 	 	 	 	Will My Benefit Continue if I get Disabled?	 	Yes, until you are no longer eligible for this benefit
				
	Will My Benefit Continue if I get Disabled?	 	Yes	 	Can I keep my Life Insurance When I Retire?	 	No
				
	Is there a Living Benefit if I develop a Terminal Condition?	 	Yes	 	Can I Convert Coverage to an Individual Policy when I Terminate employment?	 	No
				
	Can I Convert Coverage to an Individual Policy when I Terminate employment?	 	Yes	 	 	 	 

									
	Dependents' Life	 	Long Term Disability
	 (Optional)

	 	 (Provided by Kohl’s)

					
	How much Life Ins. can I buy for my Dependents?	 	 Option I

	 	 Option II

	 	 How long must I be Disabled before
 Benefits
begin?
	 	180 days
	Spouse	 	$5,000	 	$10,000	 	 	 	 
	 Child(ren) over 6 months to age 19 or 25 if a
 full-time student
	 	$2,000	 	$5,000	 	What is my Benefit?	 	 60% of your basic monthly
 earnings to a maximum
 monthly benefit of $10,000

	Child(ren) 14 days to 6 months	 	$100	 	$100	 	 	 
					
	How much does it Cost?	 	$1.25 per month	 	$2.50 per month	 	 	 	 
				
	Can I cover a dependent who is confined in a health care facility or who is unable to perform normal activities?	 	You can enroll them but coverage will not become effective until the dependent is no longer confined and is able to perform normal activities	 	How Long will Benefits continue?	 	Until you are no longer disabled or you reach normal retirement age
	 	 	  
 Are there special Limits for disabilities due
 to Mental Disorders or Substance Abuse?
	 	  
 Yes, benefits for these disabilities are
 generally limited to 24 months

	 	 	  
 Will my Benefit be offset by other Sources
 of Income?
	 	  
 Yes

	 	 	  
 Is there a Partial Disability Benefit?
	 	Yes
	 	 	  
 Are Pre-Existing Conditions covered?
	 	  
 You will not receive any benefits for a disability which begins in
the first 12 months of your being insured if the disability is due to a pre-existing condition

	 	 	 	 	 	 	  
 Can I Convert Coverage to an Individual Policy when I Terminate
employment?
	 	  
 No

  
 Certain exclusions exist for each
benefit. 
 Amounts of Basic Life Insurance in excess of $50,000 are taxed by the IRS as imputed income. 
 Amounts in excess of $1,000,000 ($400,000 if age 60 or over) are not guaranteed. Satisfactory evidence of good health will be required. 
 You will become eligible for these benefits beginning with your first day of active work. If you waive benefits and later decide to enroll for them, you must submit
satisfactory evidence of good health. You will be eligible to enroll in or change your benefits during open enrollment of each year. Benefit changes made during open enrollment are effective on April 1 of each year. 
  
 This summary is for illustrative purposes only and is not intended to be a complete
description of your benefits. 
 The benefits described in this summary are not guaranteed. 
 The above benefits may differ slightly from those benefits previously insured by Reliance Standard. 
 Please refer to the Summary Plan Descriptions (available from Corporate Human Resources—Benefit Department) for more detail. 

 KOHL'S DEPARTMENT STORES 
 September 1, 2003 
 Summary of Benefits Insured by Mutual of Omaha

  
 Class 2, CFO, Executive & Senior Vice President

  

									
	Basic Life & Accidental Death & Dismemberment	 	Business Travel Accident
	 (Provided by Kohl's)

	 	 (Provided by Kohl's)

				
	What is my Life Insurance benefit?	 	2x your Salary ($3,000,000 max)	 	 If I die while traveling on Business for Kohl's,
 what is my Benefit?
	 	$250,000
				
	What is my Accidental Death Benefit?	 	2x your Salary ($2,000,000 max)	 	If I'm hurt while Traveling on Business, are there any other benefits?	 	 Yes, benefits of $62,500, $125,000 or
 $250,000 may be paid for specific
 losses

				
	What is my Accidental Dismemberment Benefit?	 	 1/4 to 1x your Salary
 (depending upon the loss)
	 	 What if I have an Emergency while Traveling
 on
Business?
	 	 The coverage includes a
 Worldwide Assistance

Program

				
	Who Pays for It?	 	Kohl’s	 	 	 	 
				
	Will My Benefit Continue if I get Disabled?	 	Yes	 	 	 	 
				
	Is there a Living Benefit if I develop a Terminal Condition?	 	Yes	 	 	 	 
				
	Can I keep my Life Insurance When I Retire?	 	No	 	 	 	 
				
	Can I Convert Coverage to an Individual Policy when I Terminate employment?	 	Yes	 	 	 	 
	 	 	 	 	 	 	 
		
	Supplemental Life	 	Voluntary Accidental Death & Dismemberment
	 (Optional)

	 	 (Optional)

				
	How much extra Life Ins can I buy?	 	1x your Salary	 	How much extra AD&D can I buy?	 	 
				
	Is there a maximum?	 	Yes, Basic + Supplemental cannot exceed $3,000,000	 	Associate	 	Increments of $10,000 to a maximum of $500,000
					
	What is the Monthly Cost?	 	 Age Bracket

	 	 Life Rate/$1000

	 	 	 	% of your coverage
	 	 	0-29	 	$0.04	 	Spouse only	 	60%
	 	 	30-34	 	$0.05	 	Child(ren) only	 	25% for each child
	 	 	35-39	 	$0.06	 	Spouse and Child(ren)	 	50% spouse
	 	 	40-44	 	$0.10	 	 	 	20% for each child
	 	 	45-49	 	$0.13	 	 	 	 
	 	 	50-54	 	$0.25	 	Are only Accidental Deaths covered?	 	No, there are benefits for certain
	 	 	 55-59
 60-64
 65+
	 	 $0.41
 $0.54
 $0.84
	 	 	 	dismemberments and paralysis
	 	 	 	 	  
 What is the Monthly Cost?
	 	  
 Associate: $.22 per $10,000 Dependents: $.40 per
$10,000

					
	 	 	 	 	 	 	Will My Benefit Continue if I get Disabled?	 	Yes, until you are no longer eligible for this benefit
				
	Will My Benefit Continue if I get Disabled?	 	Yes	 	Can I keep my Life Insurance When I Retire?	 	No
				
	Is there a Living Benefit if I develop a Terminal Condition?	 	Yes	 	Can I Convert Coverage to an Individual Policy when I Terminate employment?	 	No
				
	Can I Convert Coverage to an Individual Policy when I Terminate employment?	 	Yes	 	 	 	 

									
	Dependents' Life	 	Long Term Disability
	 (Optional)

	 	 (Provided by Kohl’s)

					
	How much Life Ins. can I buy for my Dependents?	 	 Option I

	 	 Option II

	 	 How long must I be Disabled before
 Benefits
begin?
	 	180 days
	Spouse	 	$5,000	 	$10,000	 	 	 	 
	 Child(ren) over 6 months to age 19 or 25 if a
 full-time student
	 	$2,000	 	$5,000	 	What is my Benefit?	 	 60% of your basic monthly
 earnings to a maximum
 monthly benefit of $10,000

	Child(ren) 14 days to 6 months	 	$100	 	$100	 	 	 
					
	How much does it Cost?	 	$1.25 per month	 	$2.50 per month	 	 	 	 
				
	Can I cover a dependent who is confined in a health care facility or who is unable to perform normal activities?	 	You can enroll them but coverage will not become effective until the dependent is no longer confined and is able to perform normal activities	 	How Long will Benefits continue?	 	Until you are no longer disabled or you reach normal retirement age
	 	 	  
 Are there special Limits for disabilities due
 to Mental Disorders or Substance Abuse?
	 	  
 Yes, benefits for these disabilities are
 generally limited to 24 months

	 	 	  
 Will my Benefit be offset by other Sources
 of Income?
	 	  
 Yes

	 	 	  
 Is there a Partial Disability Benefit?
	 	Yes
	 	 	  
 Are Pre-Existing Conditions covered?
	 	  
 You will not receive any benefits for a disability which begins in
the first 12 months of your being insured if the disability is due to a pre-existing condition

	 	 	 	 	 	 	  
 Can I Convert Coverage to an Individual Policy when I Terminate
employment?
	 	  
 No

  
 Certain exclusions exist for each
benefit. 
 Amounts of Basic Life Insurance in excess of $50,000 are taxed by the IRS as imputed income. 
 Amounts in excess of $1,000,000 ($400,000 if age 60 or over) are not guaranteed. Satisfactory evidence of good health will be required. 
 You will become eligible for these benefits beginning with your first day of active work. If you waive benefits and later decide to enroll for them, you must submit
satisfactory evidence of good health. You will be eligible to enroll in or change your benefits during open enrollment of each year. Benefit changes made during open enrollment are effective on April 1 of each year. 
  
 This summary is for illustrative purposes only and is not intended to be a complete
description of your benefits. 
 The benefits described in this summary are not guaranteed. 
 The above benefits may differ slightly from those benefits previously insured by Reliance Standard. 
 Please refer to the Summary Plan Descriptions (available from Corporate Human Resources—Benefit Department) for more detail.

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