I am always endeavoring to extend the benefits it is possible for our company to (21) for its employees. (22) both spouses in so many families now work, the insurance industry has modified its approach (23) group insurance cover- age. Up (24) now medical insurance has been (25) to one working spouse (26) a family policy; the other (27) "lost" the benefit of medical insurance. We have just negotiated a group program with our insurer to provide (28) --a wide variety in kinds of insurance-- (29) a certain amount for each employee; the amounts are based in part on the annual salary. (30) the terms of our policy this amount covers major medical benefits, plus a certain (31) of life insurance. If it is possible for your medical insurance to be (32) by your spouse’s policy (whether the spouse works for our company or elsewhere), you can now redirect the value of what your medical premium would have (33) the company and use that premium value to obtain some (34) kind of insurance coverage. In effect, this benefit gives (35) of you who previously would have "lost" either you or your spouse’s medical coverage benefit the opportunity of securing other kinds of insurance (36) in place of that "lost" (37) . The personnel office is ready to assist you (38) . looking through the options so you and your spouse can (39) what best meets your needs. We (40) your loyalty and efforts for the company, and trust you will accept this as another way we can say "Thank you\