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


2010 Monthly Contribution Costs
Core Option and Out-of-Area Option
Salary Range	Employee Only		Employee + 1 Dependent	Employee + 2 or More Dependents
< $35,000	$24		$48	$72
$35,000 – $54,999	$36		$72	$108
$55,000 – $84,999	$52		$104	$156
$85,000 – $129,999	$68		$136	$204
$130,000 – $199,999	$82		$164	$246
$200,000+	$94		$188	$282
Account-based Option*
Salary Range	Employee Only		Employee + 1 Dependent	Employee + 2 or More Dependents
< $35,000	$33		$66	$99
$35,000 – $54,999	$50		$100	$150
$55,000 – $84,999	$73		$146	$219
$85,000 – $129,999	$95		$190	$285
$130,000 – $199,999	$114		$228	$342
$200,000+	$131		$262	$393
Traditional Option
Salary Range	Employee Only		Employee + 1 Dependent	Employee + 2 or More Dependents
< $35,000	$55		$110	$165
$35,000 – $54,999	$83		$166	$249
$55,000 – $84,999	$120		$240	$360
$85,000 – $129,999	$156		$312	$468
$130,000 – $199,999	$187		$374	$561
$200,000+	$215		$430	$645
Out of Area Option
Salary Range		Employee Only	Employee + 1 Dependent		Employee + 2 or More Dependents
< $35,000		$24	$48		$72
$35,000 – $54,999		$36	$72		$108
$55,000 – $84,999		$52	$104		$156
$85,000 – $129,999		$68	$136		$204
$130,000 – $199,999		$82	$164		$246
$200,000+		$94	$188		$282

Dental

The 2010 monthly contributions for active employees are as follows:


	Employee Only	Employee + 1 Dependent	Employee + 2 or More
DMO Dental Option	$9	$18	$27
The McGraw-Hill Companies Dental Option	$15	$30	$45

Vision


2010 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 $0.225 per $100 of your monthly compensation.

Life Insurance

Employee Supplemental Life Insurance


Employee Supplemental Life Insurance Age	2010 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
65+	$0.794

Spousal Life Insurance


Spouse's Age	2010 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	2010 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


2010 Monthly Contributions
$0.12 for each $10,000 of coverage

Spousal AD&D


2010 Monthly Contributions
$0.30 for each $25,000 of coverage

Child(ren) AD&D


Coverage Amount	2010 Monthly Contributions*
$10,000	$0.12
$20,000	$0.24

Long-Term Care Insurance


If you enroll for coverage at age…	Your 2010 monthly premiums (depending on the coverage option you choose) will range between…*
25	$6.13 – $18.92
35	$13.91 – $41.33
45	$26.74 – $87.05
55	$54.55 – $181.45
65	$122.78 – $412.61

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