Benefit Costs

	Benefit Costs

Benefit Costs

This is a summary of your costs for participating in certain McGraw-Hill benefits. These cost summaries duplicate information found in the individual benefit sections of McGrawHillbenefits.com.

Health

Medical


2008 Monthly Contribution Costs
Core Option and Out-of-Area Option
Salary Range	Employee Only	Employee + 1 Dependent	Employee + 2 or More Dependents
< $35,000	$22	$44	$66
$35,000 – $54,999	$33	$66	$99
$55,000 – $84,999	$48	$96	$144
$85,000 – $129,999	$62	$124	$186
$130,000 – $199,999	$74	$148	$222
$200,000+	$85	$170	$255
Account-based Option*
Salary Range	Employee Only	Employee + 1 Dependent	Employee + 2 or More Dependents
< $35,000	$30	$60	$90
$35,000 – $54,999	$45	$90	$135
$55,000 – $84,999	$65	$130	$195
$85,000 – $129,999	$85	$170	$255
$130,000 – $199,999	$102	$204	$306
$200,000+	$117	$234	$351
Traditional Option
Salary Range	Employee Only	Employee + 1 Dependent	Employee + 2 or More Dependents
< $35,000	$49	$98	$147
$35,000 – $54,999	$74	$148	$222
$55,000 – $84,999	$107	$214	$321
$85,000 – $129,999	$139	$278	$417
$130,000 – $199,999	$167	$334	$501
$200,000+	$192	$384	$576

Dental

The 2008 monthly contributions for active employees are as follows:


	Employee Only	Employee + 1	Employee + 2 or More
DMO Dental Option	$8	$16	$24
The McGraw-Hill Companies Dental Option	$14	$28	$42

Vision


2008 Monthly Contribution Costs
	Employee Only	Employee + 1 Dependent	Employee + 2 or More Dependents
Vision Service Plan	$9	$18	$27

Insurance

Long-Term Disability Insurance

The Corporation pays the full cost of your basic LTD coverage.

If you enroll for supplemental LTD coverage, you pay for your coverage through after-tax payroll deductions. The premium is based on the amount of your coverage. Your monthly contribution is $0.28 per $100 of your monthly compensation.

Life Insurance

Employee Supplemental Life Insurance


Employee Supplemental Life Insurance Age	2008 Monthly Contributions Per $1,000 of Coverage
Under 30	$0.049
30-34	$0.064
35-39	$0.073
40-44	$0.080
45-49	$0.121
50-54	$0.184
55-59	$0.345
60-64	$0.617

Spousal Life Insurance


Spouse's Age	2008 Monthly Contributions Per $10,000 of Coverage
Under 30	$0.490
30-34	$0.640
35-39	$0.730
40-44	$0.800
45-49	$1.210
50-54	$1.840
55-59	$3.450
60-64	$6.170
65+	$7.940

Children's Life Insurance


Coverage Amount	2008 Monthly Contributions*
$5,000	$0.340
$10,000	$0.690

* The number of dependent children you have does not affect the cost of children's life and AD&D insurance—the cost is based only on the amount of children's life and AD&D coverage you choose. The contributions you pay provide life and AD&D insurance coverage for all your eligible dependent children regardless of how many children you have.

Accidental Death and Dismemberment (AD&D) Insurance

Employee AD&D


2008 Monthly Contributions
$0.12 for each $10,000 of coverage

Spousal AD&D


2008 Monthly Contributions
$0.30 for each $25,000 of coverage

Child(ren) AD&D


Coverage Amount	2008 Monthly Contributions*
$10,000	$0.12
$20,000	$0.24

Long-Term Care Insurance


If you enroll for coverage at age…	Your 2008 monthly premiums (depending on the coverage option you choose) will range between…*
25	$5.78 – $17.81
35	$13.87 – $33.16
45	$26.46 – $65.11
55	$53.72 – $135.92
65	$121.60 – $307.12

* If you are a resident of Arkansas, Connecticut, Delaware, Kansas, or Washington, call John Hancock for information about your premium.