Prior to January 1, 2012:
Pre Medicare - Pages 11-30
Medicare - Pages 31-61
Surviving Spouses - Pages 62-65
LTD Terminees - Pages 66-70
Dental/ Vision - Pages 71-76

After January 1, 2012:
Post Medicare - Pages 11-30
Medicare - Pages 31-44
Surviving Spouses - Pages 45-48
LTD Terminees - Pages 49-52
Dental/ Vision - Pages 53-58