Document:

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                                                                    EXHIBIT 10.7

                               CRAWFORD & COMPANY
                           MEDICAL REIMBURSEMENT PLAN
                               RESTATED AS AMENDED
                 (including Amendments through January 31, 1995)

     This Medical Reimbursement Plan is hereby adopted by Crawford & Company
this 18th day of February, 1975.

                                   ARTICLE I.

     For purposes of this Plan, unless the context required otherwise, the
following works and phrases shall have the indicated meanings:

     1.1. Company - means Crawford & Company and any successors thereto which
adopts this Plan in writing.

     1.2. Plan - means this Medical Reimbursement Plan and any amendments
thereto.

     1.3. Board - means the Senior Compensation and Stock Option Committee of
the Board of Directors of the Company.

     1.4. Participant - means any officer of the Company.

     1.5. Spouse - means a person (i) who is a Participant's legal spouse on the
last day of the Plan Year and (ii) who is not legally separated from such
Participant under a decree of divorce or separate maintenance; provided, if a
Participant's lawful spouse dies during a Plan Year and the Participant does not
remarry before the end of such year, such deceased spouse shall be deemed to be
his Spouse for such Plan Year.

     1.6. Dependant Child - means a Participant's child, whether natural or
otherwise, (i) who receives over one-half (1/2) of his support from the
Participant during the Play Year and who (a) is more than thirteen (13) days old
but (b) is, as of the last day of such Plan Year, less than age nineteen (19)
and (c) is not married at any time during such Plan Year; provided (ii) a
Participant's child who weighs less than five and one-half (5-1/2) pounds at
birth shall be treated as a Dependent Child without regard to the requirement of
subsection (i)(a) above; and (iii) a Participant's unmarried child who during
the Plan Year is supported solely by the Participant and who (a) is a full-time
student at

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an educational institution during such year and (b) has not, on the last day of
such year, reached age twenty-three (23), shall be treated as a Dependent Child.

     1.7. Dependents - means a Participant's Spouse and Dependent Child.

     1.8. Medical Care - means Medical Care, as defined in Section 213(d) of the
Internal Revenue Code of 1954, as amended, (the "Code"), and the Regulations
thereunder, for a Participant and his Dependents, and includes the diagnosis,
cure, mitigation, treatment or prevention of disease, the purchase of medicine
and drugs which are legally procured and which are generally accepted as falling
within the category of medicine and drugs, transportation primarily for and
essential to the rendition of Medical Care, and certain permanent improvements
to property to the extent that the particular improvement is related directly to
Medical Care.

     1.9. Reimbursement Limit - means the dollar amount under the following
schedule which corresponds to the number of full calendar months which a
Participant was designated as such during the Plan Year:

<TABLE>
<CAPTION>
               Chairman, President,   Vice Presidents (other
                Exec. Vice Pres.,      than Exec. Vice Pres.     All Other
              All Senior Vice Pres.    And Senior vice Pres)   Participants
Full Months          Dollars                  Dollars             Dollars
-----------   ---------------------   ----------------------   ------------
<S>           <C>                     <C>                      <C>
 1                     166.66                  125.00               83.33
 2                     333.32                  250.00              166.66
 3                     499.98                  375.00              249.99
 4                     666.64                  500.00              333.32
 5                     833.30                  625.00              416.65
 6                     999.96                  750.00              499.98
 7                   1,166.62                  875.00              583.31
 8                   1,333.28                1,000.00              666.64
 9                   1,499.94                1,125.00              749.97
10                   1,666.60                1,250.00              833.30
11                   1,833.26                1,375.00              916.63
12                   2,000.00                1,500.00            1,000.00
</TABLE>

     1.10. Named Fiduciary - means the Secretary of the Company.

     1.11. Plan Administrator - means the Named Fiduciary.

     1.12. Plan Year - means the calendar year.

     1.13. Effective Date - means January 1, 1975.

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                                   ARTICLE II.

                                  Reimbursement

     2.1. Reimbursement - on or before January 31st of each year, the Company
shall reimburse a Participant or his legal representative the amount set forth
in Section 1.9 for the period during the preceding calendar year in which such
individual was a Participant in the Plan.

     2.2. Source of Reimbursement. Any reimbursement made pursuant to this Plan
shall be paid from the general assets of the Company.

                                  ARTICLE III.

                               Plan Administrator

     3.1 Powers. The Plan Administrator shall have control of the administration
of this Plan, with all powers necessary to enable him properly to carry out his
duties in this respect. He may appoint in writing such agents as he may deem
necessary for the effective performance of his duties, and may delegate to such
agents those powers and duties, whether ministerial or discretionary, which he
may deem expedient or appropriate. In the event that any agent so appointed is
not an employee of the Company, subject to Board approval, such agent's
compensation shall be fixed by the Plan Administrator and shall be paid by the
Company.

     3.2. Records. The Plan Administrator shall maintain a current record of all
Participants and the reimbursement claims submitted by each such Participant or
his legal representative for each Plan Year.

                                   ARTICLE IV.

                                  Miscellaneous

     4.1. Amendments. This Plan may be amended in any respect and at any time
from time to time by the Company.

     4.2. Termination of Plan. The Company expects this Plan to be continued
indefinitely but, of necessity, it reserves the right to terminate the Plan at
any time. Provided, notwithstanding any other provision of this Plan, in the
event the Plan is terminated during a Plan year, each then

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Participant shall be entitled to submit a reimbursement claims for amounts paid
for Medical Care prior to the date on which the Plan is terminated and shall be
entitled to reimbursement under the terms of the Plan to the extent of each such
Participant's Reimbursement Limit. as determined on the first day of the first
month which coincides with, or immediately follows, such Plan termination date.

     4.3. Termination of Participant Designation. A Participant's designation as
such (i) may be terminated by the Board at any time acting in its sole
discretion and (ii) shall be terminated, automatically and without Board action,
on the date the Participant's employment with the Company terminates for any
reason, voluntarily or otherwise, including death.

     4.4. Headings. The headings and subheadings in this Plan have been inserted
for convenience of reference only and are to be ignored in any construction of
the Plan provisions.

     4.5. Construction. In the construction of this Plan the masculine shall
include the feminine and the singular the plural in all cases in which such
meanings would be appropriate. This Plan shall be construed in accordance with
the laws of the State of Georgia.<PAGE>

                                                                    EXHIBIT 10.8

                 CRAWFORD & COMPANY DISCRETIONARY ALLOWANCE PLAN

This Discretionary Allowance Plan is hereby adopted by the Senior Compensation
and Stock Option Committee of the Board of Directors of Crawford & Company on
this 31st day of January, 1995.

                                    ARTICLE I
                                   Definitions

For purposes of this Plan, unless the context requires otherwise, the following
words and phrases shall have the indicated meanings:

1.1  Company - means Crawford & Company.

1.2  Plan - means this Discretionary Allowance Plan and any amendments thereto.

1.3  Committee - means the Senior Compensation and Stock Option Committee of the
     Board of Directors of the Company.

1.4  Participant - means any officer of the Company.

1.5  Named Fiduciary - means the Chief Financial Officer of the Company.

1.6  Plan Administrator - means the Named Fiduciary.

1.7  Plan Year - means the calendar year.

1.8  Effective Date - means January 1, 1995.

1.9  Discretionary Allowance - means the Discretionary Allowance paid to a
     Participant in accordance with Section 2.1 of this Plan.

                                   ARTICLE II
                                    Allowance

2.1  Payment. On or before the last day of the months of January, April, July,
     and October of each Plan Year after the Effective Date, the Company shall
     pay to each then current Participant a Discretionary Allowance in the
     amount of Six Hundred Twenty-five Dollars ($625.00).

2.2  Purpose. Each Participant may use his or her Discretionary Allowance as he
     or she sees fit for club memberships, offset of deductions for Company
     benefits, additional insurance, or any other purpose whatsoever.

2.3  Accountability. Participants shall not be accountable to the Company for
     the expenditure of the Discretionary Allowance.

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2.4  Source of Payment. The Discretionary Allowances paid under this Plan shall
     be paid from the general assets of the Company.

                                   ARTICLE III
                              Plan Administration

3.1  Plan Administrator. The Plan Administrator shall have control of the
     administration of this Plan, with all powers necessary to enable him to
     properly carry out his duties in this respect. He may appoint in writing
     such agents as he may deem necessary for the effective performance of his
     duties, and may delegate to other agents those powers and duties whether
     administerial or discretionary, which he may deem expedient or appropriate.

3.2  Records. The Plan Administrator shall maintain a record of all Participants
     and the Discretionary Allowance paid to each such Participant.

                                   ARTICLE IV
                                 Miscellaneous

4.1  Amendments. This Plan may be amended in any respect at any time, from time
     to time, by the Committee.

4.2  Termination of Plan. The Committee expects this Plan to be continued
     indefinitely, but, of necessity, it reserves the right to terminate the
     Plan at any time provided, notwithstanding any other provision of this
     Plan, in the event this Plan is terminated during a Plan Year, each
     Participant shall be entitled only to any Discretionary Allowance that
     would have been payable to him or her pursuant to terms of the Plan prior
     to the effective date of such termination.

4.3  Termination of Participant Designation. A Participant's designation as such
     shall be terminated, automatically and without Committee action on the date
     Participant's employment as an officer of the Company terminates for any
     reason, voluntarily or involuntarily, including death.

4.4  No Right of Continued Employment. An individual's designation as a
     Participant shall not create any right of continued employment with the
     Company nor, during such employment, continued designation as a
     Participant.

4.5  Income Tax. The amount of the Discretionary Allowance paid to each
     Participant shall be included in his or her compensation as and to the
     extent required by the rules and regulations of the Internal Revenue
     Service.

4.6  Headings. The headings and subheadings of this Plan have been inserted for
     convenience of reference only and are to be ignored in any construction of
     the Plan provisions.

4.7  Applicable Law. This Plan shall be construed in accordance with the laws of
     the State of Georgia.

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IN WITNESS WHEREOF, the Committee has caused this Plan document to be executed
as of this 31st day of January, 1995.

                                        SENIOR  COMPENSATION  AND STOCK  OPTION
                                           COMMITTEE OF THE BOARD OF DIRECTORS
                                           OF CRAWFORD & COMPANY

                                        By: /s/ J. Hicks Lanier
                                            ------------------------------------
                                            J. Hicks Lanier, Chairman

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