HomeMy WebLinkAboutC33880 - Anthem Blue Cross-EAP CITY OF PALM DESERT
HUMAN RESOURCES DEPARTMENT
STAFF REPORT
REQUEST: Approve Contract No. c338so with Anthem Blue Cross of
California to provide an Employee Assistance Program (EAP)
SUBMITTED BY: Lori Carney, Human Resources Manager
DATE: August 28, 2014
CONTENTS: Contract No. c:����o
Wells Fargo summary of proposals
Recommendation:
Approve Contract No. c33sso with Anthem Blue Cross of California
to provide an Employee Assistance Program and authorize the City
Manager to execute and finalize. Funds are available in FY 2014/2015
Human Resources Professional- Other Account 110-4154-415-3090.
Backqround:
For the last four years the City has contracted with The Holman Group to provide
an Employee Assistance Program (EAP) for its employees.
EAP services are important in the day to day management of our employees.
They provide a low cost and proven effective method to help employees and their
families with various day to day life problems, such as family issues, addiction,
and stress. They also allow our supervisors to refer employees whose personal
issues may be affecting their productivity. The City has benefits from employees
who are able to successfully manage the challenges of day to day living and
devote their full attention to the challenges we face. In the past we have had
employees who have suffered extremely traumatic events, the loss of a child, a
spouse or a devastating medical diagnosis. EAP services have helped these
employees cope and continue to be contributing members of our team.
During the last year I had received some complaints regarding the service
providers being used by The Holman Group and their educational materials
appeared dated and the subjects of limited value. A Request for Proposal was
issued through our insurance broker and six (6) proposals were received. The
proposals were evaluated based on level of services offered, availability of local
Contract No. C33880
Staff Report
Approve Contract for Anthem Blue Cross of California - EAP
August 28, 2014
Page 2 of 2
providers and cost. Human Resources staff then met with a group of employees
to discuss services and select the top two vendors to interview. Staff interviewed
representatives from Anthem Blue Cross of California and E4 Health. Anthem
Blue Cross of California offered the best mix of services available within our
budget and an extensive list of local providers. They also offer a 24 hour phone
line which provides telephone counseling whenever employees or their family
members need it. I contacted public agency references and was given excellent
recommendations for their company.
Fiscal Analvsis:
Approximately $3,300 annually. Funds are available in the FY 2014/2015
Human Resources Professional-Other Account 110-4154-415-3090.
Submitted
CITY COUNCILAC ION
API'ROVED nErJJEn
Lori Carney, Human Resources Manager RECCIVED OTHER
MEETING DATE -- S' ZS- ly
___..__
AYES:r�t_�OlrruK��,�e�� i e ��
NOES:___N�w
Paul S. Gi son, Director of Finance ABSENT: _�� —'""'
AI3STAIN:- �.��—'�
�ii�����
VERIFIED BY:-- �' �, r�YY1
Original on File with City Clerk's Office �r—
Approval:
hn M. Wo Imu , City Manager
' Contract No. C33880
Anthem Blue Cross of California
EMPLOYEE ASSISTANCE PROGRAM
GROUP EAP AGREEMENT
("EAP AgreemenY')
for
City of Palm Desert
Anthem Blue Cross (herein referred to as "EAP Service Provider") agrees to provide the
Employee Assistance Program services (EAP Services) herein specified for Group.
EAP AGREEMENT EFFECTIVE DATE ................................ September 1, 2014
This EAP Agreement becomes effective at 12:01 a.m., on the Effective Date.
A Binding Arbitration Clause is included in this EAP Agreement.
CA EAP 10/13
TABLE OF CONTENTS
DEFINITIONS.............................................................................................................................1
ELIGIBLE EMPLOYEE FEE........................................................................................................2
EAP SERVICES, EXCLUSIONS,
LIMITATIONS, AND ADMINISTRATIVE POLICIES....................................................................2
HOW TO OBTAIN EAP SERVICES............................................................................................3
ELIGIBILITY................................................................................................................................3
COMMENCEMENT AND DURATION OF THIS EAP AGREEMENT..........................................4
ADMINISTRATION.....................................................................................................................5
PROFESSIONAL - PATIENT RELATIONSHIP...........................................................................5
GENERAL PROVISIONS............................................................................................................6
SERVICES EXHIBIT- EAP SERVICES, EXCLUSIONS, AND LIMITATIONS ..........................10
ELIGIBLE EMPLOYEE FEE EXHIBIT.......................................................................................15
BINDING ARBITRATION EXHIBIT...........................................................................................16
CA EAP 10/13
ARTICLE I
DEFINITIONS
The following terms, when used in this EAP Agreement or any amendments, riders, exhibits or
schedules hereof, are defined as follows:
1.1 EAP Services mean those services delineated in the SERVICES EXHIBIT that an EAP
Participant is entitled to receive as a result of or pursuant to this EAP Agreement, and
that are hereby incorporated by reference into and subject to the terms of this EAP
Agreement.
1.2 EAP Agreement or�greement means the contract entered into between EAP Service
Provider and a Group under which EAP Service Provider provides EAP Services to EAP
Participants. EAP Agreement(s) includes arrangements established by EAP Service
Provider, or by persons or entities utilizing the EAP Practitioner, pursuant to a contract
with EAP Service Provider.
1.3 Group means any Employer, Labor Union or labor management Trust Fund,
association, or other Group to which this EAP Agreement is issued.
1.4 EAP Practitioner means, with regard to any health-related services provided under this
Agreement, an appropriately licensed health care professional who has agreed to
provide EAP Services for EAP Participants. In limited situations involving health-related
services, EAP Practitioner can also include licensed health care professionals who are
not participating in the applicable EAP nefinrork, but who have been approved by EAP
Service Provider and have agreed to perForm a one-time or set number of EAP Services
for a particular EAP Participant. For non-health-related services provided under this
Agreement, including but not limited to legal consultations, financial consultations, and
concierge or convenience services, EAP Practitioner means an appropriately trained
and/or licensed professional approved by and/or with an agreement with EAP Service
Provider to provide a one-time or set number of EAP Services to an EAP Participant.
1.5 EAP Participant(s) means an Eligible Employee and any Eligible Household Members
who are entitled to EAP Services under this Agreement for whom Eligible Employee
Fees are paid by Group. As requested by the Group and agreed to by both parties,
"EAP Participant" shall also include a surviving spouse and surviving dependents of an
employee or retiree, a retiree of the Group or the spouse of a retiree of the Group.
1.6 Eligible Employee(s) means the Group's Full-Time employees as determined and
specified by the Group. Eligible Employee(s) may also include other employees, as
otherwise agreed upon by Group and EAP Service Provider.
1.7 Eligible Household Member(s) means the spouse, domestic partner, dependents, and
others whose place of residence is the same as the Eligible Employee, and/or those
dependents who do not share the same residence as the Eligible Employee but due to
applicable state law or court order are required to be covered under this EAP
Agreement.
Page 1
[ARTICLE II
ELIGIBLE EMPLOYEE FEE
2.1 Group shall pay to EAP Service Provider a monthly fee and any other charges ("Eligible
Employee Fee") to cover all EAP Participants. The amount of the Eligible Employee
Fee and payment specifications under this EAP Agreement are set forth in the
ELIGIBLE EMPLOYEE FEE EXHIBIT.
2.2 EAP Service Provider shall not increase the Eligible Employee Fee, except upon at least
sixty(60) calendar days written notice to Group.
2.3 The Group will pay all Eligible Employee Fee, unless other provisions for payment are
agreed to in advance by EAP Service Provider.
2.4 If a state or any other taxing authority imposes a tax on EAP Service Provider that is
based on Eligible Employee Fee, the Eligible Employee Fee stated in this EAP
Agreement will be increased by an amount sufficient to cover that tax. This increase will
begin on the date the tax goes into effect. Any subsequent change to the tax may result
in a further increase in Eligible Employee Fee.
ARTICLE III
EAP SERVICES, EXCLUSIONS,
LIMITATIONS AND ADMINISTRATIVE POLICIES
3.1 EAP Service Provider and Group agree that EAP Service Provider or its designee shall
provide EAP Services to EAP Participants under this EAP Agreement as set forth in
SERVICES EXHIBIT.
3.2 EAP services do not include assessment or treatment by a psychiatrist.
3.3 EAP Service Provider may assist EAP Participants to obtain necessary and appropriate
levels of care in the community or through the EAP Participant's health plan.
Page 2
ARTICLE IV
HOW TO OBTAIN EAP SERVICES
4.1 All EAP Services must be obtained by contacting EAP Service Provider directly for
authorization and referral for EAP Services to an EAP Practitioner. EAP Service
Provider does not reimburse EAP Participants for unauthorized treatment or services
obtained from non-EAP Practitioners. EAP Service Provider maintains [an online EAP
Practitioner directory, and] a 24-hour toll-free or local telephone number to find an EAP
Practitioner. In non-emergency situations, EAP Participants are provided names of EAP
Practitioners or other resources. When the EAP Participant contacts the EAP Service
Provider to obtain non-emergency EAP Services, the EAP Service Provider will conduct
a telephone assessment. The telephone assessor will make a good faith effort to:
provide crisis intervention over the telephone; arrange an appointment with an EAP
Practitioner or if an EAP Practitioner is not reasonably available or accessible, provide
access to a licensed mental health professional in the EAP Participant's area and/or
provide names of licensed mental health professionals in the area; or direct the EAP
Participant to obtaining more intensive, acute care services. EAP Services are not
intended to be emergency services. Any EAP Participant calling for an emergency or
urgent situation will be immediately referred to a licensed mental health professional or
an appropriate facility.
ARTICLE V
ELIGIBILITY
5.1 EAP Participants employed on the day this EAP Agreement begins will be able to obtain
EAP Services on the EAP Agreement Effective Date. The ability to obtain EAP Services
under this EAP Agreement will terminate at 11:59 P.M. on the last day of an EAP
Participant's eligibility or termination of this Agreement, whichever occurs first.
5.2 The Group shall provide a count of all Eligible Employees upon implementation of this
EAP Agreement. The Group shall inform the EAP Service Provider when the count
varies by10°/a from any previous report.
5.3 Only EAP Participants are eligible for services under this EAP Agreement.
5.4 Group shall be responsible for determining Eligible Employees. Any disputes or inquiries
regarding eligibility (including renewal and reinstatement) shall be referred by the EAP
Service Provider to the Group, which shall advise the EAP Service Provider of its
determination.
5.5 Eligibility under this EAP Agreement shall be limited to residents of the United States,
including any U.S. Territories.
5.6 EAP Service Provider shall have the sole right to terminate eligibility of any EAP
Participant who uses threatening or aggressive behavior.
Page 3
ARTICLE VI
COMMENCEMENT AND DURATION OF THIS EAP AGREEMENT
TERMINATION -RENEWAL
6.1 EAP Service Provider shall have the sole right to change EAP Services or other
provisions in this EAP Agreement upon at least sixty (60) days written notice to Group.
If Group does not object or reject such changes before the 60 day notice period expires,
such changes shall be deemed accepted by the Group.
6.2 The Initial Term of this EAP Agreement shall be 3 years beginning on the Effective Date
of this EAP Agreement and shall automatically renew for one year periods (hereinafter
"Renewal Term") unless at least thirty (30) calendar days prior to the end of the Initial
Term or any Renewal Term, the Group or EAP Service Provider provides the other party
with written notice of termination.
6.3 Should either party be in default by the failure to reasonably perform any of the
covenants and conditions contained herein, the non-defaulting party shall have the right
to give the defaulting party written notice of the default. The defaulting party shall have
[thirty (30)] days from the receipt of written notice to remedy the breach, default or
failure to perform. If the default is not cured within the time period noted, the EAP
Agreement will automatically terminate. EAP Service Provider may, at its sole discretion,
reinstate this EAP Agreement after receipt of the proper Eligible Employee Fee if such
payment is received on or before the due date of the succeeding payment. Both parties
may terminate this EAP Agreement immediately if the other party should engage in
fraudulent conduct with respect to this EAP Agreement.
6.4 Notwithstanding any other provision, this EAP Agreement may be terminated at any time
by Group or EAP Service Provider upon at least ninety (90) days written notice to the
other.
6.5 In the event of termination of this EAP Agreement, EAP Service Provider agrees that
EAP Practitioner will complete the provision of EAP Services that were, in EAP Service
Provider's reasonable opinion, being delivered prior to such termination and continuity of
care warrants completion of such services subject to applicable EAP Services covered
by this Agreement (hereinafter "Post Termination Services"). In the event EAP Service
Provider provides Post Termination Services, both parties agree that those Post
Termination Services shall be provided and reimbursed by Group in accordance with the
terms of this Agreement.
ARTICLE VII
ADMINISTRATION
7.1 EAP Service Provider agrees to investigate and resolve any complaints or grievances
received from EAP Participants with regard to EAP Services in accordance with the
Grievance Procedures provisions stated in the Combined Evidence of Coverage and
Disclosure Form. Disputes between the Group and EAP Service Provider will be
resolved in accordance with the ARBITRATION EXHIBIT attached to this EAP
Agreement.
ARTICLE VIII
Page 4
PROFESSIONAL-PATIENT RELATIONSHIP
8.1 EAP Service Provider will make every reasonable effort to arrange for EAP services as
herein provided in accordance with the prevailing national and regional professional
standards.
8.2 Group understands and acknowledges that the relationship between the EAP Participant
and EAP Practitioners and other participating professionals shall be subject to the rules,
limitations, and privileges incident to any professional relationship, including but not
limited to the doctor-patient or therapist-patient relationship. EAP Service Provider shall
be solely responsible, without interference from Group or any of its agents, to the EAP
Participant for arranging EAP Services, subject to Section 8.3.
8.3 Group understands and acknowledges that the operation and maintenance of the EAP
Practitioners' offices and the provision of all services shall be solely and exclusively
under the control and supervision of the EAP Practitioner, including, but not limited to,
all authority and control over the selection of staff, supervision of personnel and
operation of the professional practice, and/or the provision of any particular professional
service or treatment.
ARTICLE IX
GENERAL PROVISIONS
9.1 Group understands and acknowledges that this EAP Agreement provides EAP Services
only, is not an insurance policy, and does not indemnify nor reimburse any EAP
Participant or Group for the cost of health care services.
9.2 EAP Service Provider will furnish promotional materials to Group as agreed upon. Group
shall distribute only approved EAP materials to EAP Participants.
9.3 Unless prohibited by applicable state or federal law, any dispute or controversy arising
befinreen Group and EAP Service Provider or between an EAP Participant and EAP
Service Provider, involving this EAP Agreement, any of its terms and conditions, its
breach or nonperformance shall be settled pursuant to the BINDING ARBITRATION
EXHIBIT attached to this EAP Agreement.
9.4 Group, together with its respective successors and assignees, agrees to indemnify,
defend, and save EAP Service Provider, its parent, affiliates, subsidiaries and their
respective officers, directors, employees and agents harmless from and against all loss,
cost, claims, actions, and liabilities, including reasonable attorney's fees, arising in
connection with this EAP Agreement as a result of, or attributable to, the intentional act
or gross negligence of Group, or misconduct of group, or Group's officers, directors,
employees, or agents.
9.5 EAP Service Provider agrees to indemnify, defend, and save Group, its parent, affiliates,
subsidiaries and their respective officers, directors, employees and agents harmless
from and against all loss, cost, claims, actions, and liabilities, including reasonable
attorney's fees, arising in connection with this EAP Agreement as a result of, or
attributable to, the intentional act or gross negligence of EAP Service Provider, or EAP
Service Provider's officers, directors, employees, or agents.
Page 5
9.6 Whenever it shall become necessary for either party to serve notice on the other
respecting this EAP Agreement, such notice shall be in writing and shall be served by
certified mail, return receipt requested, addressed as follows:
a. If served on Group, it shall be addressed to:
City of Palm Desert
73-510 Fred Waring Drive
Palm Desert, CA 92260
(760)346-0611
b. If served on EAP Service Provider, it shall be addressed to:
Anthem Blue Cross
9655 Granite Ridge Drive 6`h Floor
San Diego, CA 92123
(800-999-7222
9.7 EAP Service Provider shall maintain an EAP Practitioner network to provide EAP
Services to Group. Subject to applicable California state or federal law and regulation,
EAP Service Provider shall have final authority to interpret its contracts with providers,
and the Group agree that (a) it is not a party to EAP Service Provider's contracts with
providers and (b) it will accept EAP Service Provider's interpretations of said contracts.
Furthermore, EAP Service Provider shall have full authority and discretion to resolve any
questions or disputes with providers that participate in any of EAP Service Provider's
provider networks, except as applicable law provides for judicial or regulatory review of
such disputes, and the Group will accept said resolution of such matters as final.
9.8 In the event that EAP Service Provider fails to pay the EAP Practitioner for costs of EAP
Services, the EAP Participant shall not be liable to the EAP Practitioner for any sums
owed. EAP Service Provider does not pay non-EAP Practitioners nor reimburse EAP
Participants for any sums they may pay directly to any EAP Practitioner for services
rendered.
9.9 If any provision of this EAP Agreement is held to be illegal or invalid for any reason,
such decision shall not affect the validity of the remaining provisions of this EAP
Agreement, and such remaining provisions shall continue in full force and effect unless
the illegality or invalidity prevents the accomplishment of the objectives and purposes of
this EAP Agreement.
9.10 In the event Group is regulated under the Employee Retirement Income Security Act of
1974 (ERISA), Group covenants and agrees that it and not EAP Service Provider shall
be responsible for meeting all requirements of ERISA. EAP Service Provider will
cooperate with Group in supplying Group with any information within its possession to
aid Group in meeting any ERISA reporting requirements.
9.11 In the event Group is subject to the Consolidated Omnibus Budget Reconciliation Act
(COBRA) and any regulations adopted thereunder, or any similar state law requiring the
continuation of EAP Services for EAP Participant, and the EAP Participant is eligible to
retain EAP Services under the EAP Agreement during any continuation, period, or
election period, the Group must continue to certify the eligibility of the EAP Participant
and/or pay the monthly eligible employee fee for continuation coverage.
9.12 EAP Service Provider may designate an account manager who shall serve as the liaison
between EAP Service Provider and Group.
Page 6
9.13 The relationship between Group, EAP Service Provider and EAP Practitioner arising
from this EAP Agreement is that of independent contractors. Neither this EAP
Agreement, nor the activities of Group, EAP Service Provider and EAP Practitioner
pursuant to this EAP Agreement, shall constitute the parties as joint venturers, partners,
principal and agent, master and servant, or employer and employee; and neither party
shall hold itself out to the public as having other than an independent contractor
relationship with the other party. None of the parties shall have the power to bind or
obligate the other party in any manner, other than as is expressly set forth in this EAP
Agreement.
9.14 This EAP Agreement is non-assignable by either party without the prior written consent
of the other party. EAP Service Provider may, in its sole discretion, delegate
administrative functions to a vendor, successor, subsidiary, affiliate, parent or any other
entity under its control. This EAP Agreement is entered into by and befinreen the parties
identified herein and for their benefit and the benefit of only the parties. There is no
intent by either party to create or establish third party beneficiary status or rights or their
equivalent in any EAP Participant or third party, other than the parties, that may be
affected by the operation of this EAP Agreement, and no such EAP Participant or third
party shall have any right to enforce any right or claim any benefit created or established
under this EAP Agreement.
9.15 This EAP Agreement, together with the Combined Evidence of Coverage and Disclosure
Form, any endorsements and amendment, constitute the entire EAP Agreement of the
parties. This EAP Agreement may only be changed by a written modification signed by
EAP Service Provider.
9.16 To the extent not preempted by federal law or regulation, this Agreement will be
governed, interpreted and enforced to remain in the compliance with the laws of the
state of California, along with applicable federal statutes and regulations. Nothing
contained in this Agreement will be construed as EAP Service Provider doing business
in any state or jurisdiction in which it is not duly authorized.
Page 7
IN WITNESS WHEREOF, the parties have caused this agreement to be executed in duplicate
by affixing the signatures of duly authorized officers.
Anthem Blue Cross of California City of Palm Desert
Signature Signature
Printed Name Printed Name
Title Tifle
Street Address Street Address
City, Stafe, Zip City, Sfate, Zip
Dafe Date
Tax l.D. #
Page 8
SERVICES EXHIBIT
EAP SERVICES, EXCLUSIONS 8� LIMITATIONS
A EAP CORE SERVICES are included in all group agreements
1. Up to 3 in-person counseling sessions per unique presenting problem, per 12
month period, per EAP Participant. In-person counseling sessions shall be per
unique presenting problem for issues or concerns directly impacting the EAP
Participant. In-person Counseling services are provided when the EAP
assessment reveals that the presenting problem has a reasonable and likely
chance of improving as a result of short-term in-person counseling that is
focused on problem resolution. Notwithstanding any provision to the contrary,
EAP Service Provider shall not cover any in-person counseling sessions beyond
the limit noted above, unless agreed to in writing by EAP Service Provider.
2. Referral to appropriate healthcare benefit and/or clinical resources in the
community in situations where the EAP ParticipanYs presenting problem
warrants long-term treatment, hospitalization or a more specialized level of care.
3. 24 hours per day/ 7 days per week 365 days per year toll-free telephone access
to a mental health clinician.
4. Legal Referrals & Discounted Fees: Free, 30-minute telephone or in-person
consultation with a licensed attorney.
5. Financial Consultation: Unlimited, telephone consultations with an appropriate
Financial Consultant.
6. Identity Monitoring and Theft Recovery: Credit monitoring and telephone
consultation to help recovery from and minimize the impact of a breach of
identity.
7. Tobacco Cessation: online educational tools and telephone consultation with a
tobacco cessation coach, unlimited access to the EAP website for information
and referral.
B. EAP BASIC SERVICES
❑ EAP Basic Services
By checking this box, Group has elected to receive the Core Services as
listed in section A as well as the Basic Services listed in section B. Fees and
charges for the EAP Basic Services shall be in accordance with the Eligible
Employee Fee Exhibit attached to this EAP Agreement.
1. Program Orientation
a. EAP orientation for employees and managers/supervisors/HR staff on
how to access EAP services is available on the EAP website.
2. Trainings
Page 9
a. On a fee for service basis, onsite services including trainings for
managers, supervisor and employees, wellness seminars and
representation at health fairs.
3. Critical Incident Stress Management(CISM)
a. Critical Incident Stress Management services will be provided to the
Group in response to a significant traumatic event in the workplace.
Consultation is provided to assist Group in organizing and planning its
response to a traumatic event.
4. Critical Incident Stress Debriefing (CISD)
a. On a fee for service basis, Critical Incident Stress Debriefing services are
available to members when they have experienced a traumatic event at
work. A licensed clinician will be located onsite to meet with affected
employees, to educate and process their experiences and reactions in a
group setting. CISDs are subject to the limitations of the attached
Agreement, the covered EAP Services and corresponding exclusions.
5. Work Life Services
a. Information and web based referrals for child and adult care, and daily
living resources are available on the EAP website.
6. Promotional Materials
a. Promotional materials will be provided that explain the EAP Services and
assist Group in promoting the EAP to employees. Within a reasonable
period of time after the execution and effective date of the Agreement,
the EAP Service Provider will provide the Group with appropriate
promotional materials. On an annual basis the group may request
additional documents to educate new employees, and a reasonable
supply as determined by EAP Service Provider in order to re-educate
existing employees. EAP Service Provider shall send such materials to
the Group in bulk, unless mutually agreed to otherwise by both parties.
b. The EAP Service Provider will periodically distribute electronic materials
such as monthly promotions to Group's designated recipient(s).
7. Activity Reporting
a. An annual utilization report will be provided to the Group upon request.
C. EAP ENHANCED SERVICES
� EAP Enhanced Services
By checking this box, Group has elected to receive the Core Services as
listed in section A as well as the Enhanced Services listed in section C.
Fees and charges for the EAP Enhanced Services shall be in accordance with
the Eligible Employee Fee Exhibit attached to this Agreement.
1. Program Orientation
Page 10
a. EAP Service Provider shall supply Group with an Employee Orientation
program designed to introduce and train employees on the available EAP
services
2. Personalized Account Management
a. A designated Account Manager will serve as a clinical and account liaison
between the EAP Service Provider and Group to ensure overall success
of the EAP.
b. Consultation with the Group regarding the EAP Services, including
program design, development and implementation of such EAP Services
3. EAP Training and Critical Incident Stress Debriefing Services.
a. Trainings
i EAP Service Provider agrees to provide a total of 8 onsite training
hours per contract year made available upon Group's request for
workshops and training sessions, and/or EAP representation at
health/wellness/benefits fairs. Additional hours shall be billed at a fee
for service rate.
b. Critical Incident Stress Debriefing (CISD)
i A licensed clinician is provided onsite to meet with affected
employees in response to a traumatic event in the workplace.
ii EAP Service Provider agrees to provide or conduct up to 4 CISD
hours per contract year for Group. CISDs are subject to the limitations
of the attached Agreement, the covered EAP Services and
corresponding exclusions. Additional hours shall be billed at a fee for
service rate.
3. Consultations
a. Unlimited telephone consultation available for management in regard to
workplace related issues.
b. Unlimited Critical Incident Stress Management Consultation (CISM)
provided to assist Group in organizing and planning its response to a
significant traumatic event in the workplace.
c. Consultations to management regarding reorganizations that affect
employees
d. Consultations to employees and management to assist with the
successful reintegration of employees who are returning to work after an
extended absence for behavioral health or substance abuse issues.
Consultation on Group's policy and procedures related to Drug-Free
Workplace, Department of Transportation requirements and substance
abuse.
5. Promotional Materials
Page 11
a. Materials will be provided that explain the EAP Services and assist Group
in promoting the EAP to employees. Materials will be provided within a
reasonable period of time after the execution and effeckive date of the
Agreement, by the EAP Service Provider. On an annual basis the group
may request replacement documents to educate new employees, and a
reasonable supply as determined by EAP Service Provider in order to re-
educate existing employees. EAP Service Provider shall send such
materials to the Group in bulk, unless mutually agreed to otherwise by
both parties
b. The EAP Service Provider will periodically distribute electronic materials
such as monthly and quarterly promotions to Group's designated
recipient(s)
6. Work Life Service
a. Unlimited consultation to provide resources and information related to
child/adult care and daily living issues. This includes telephone
consultations, live chat and online web-based self search.
7. Activity Reporting
a. Depending on group size and plan design the Group will receive either
Quarterly, Semi-Annual or Annual EAP utilization reports with program
recommendations.
LIMITATIONS
1. In those situations where the EAP Participant's needs are beyond the scope of
the EAP Services described herein or as reasonably interpreted by EAP Service
Provider, the EAP Participant may be referred to a local resource or the Group's
group health plan or health benefit/insurance plan for services that are not a part
of or covered by the terms of this Agreement.
2. Under the terms of this Agreement, Critical Incident Stress Management shall be
limited to "short-term" interventions Service hours in excess of the contracted
upon amount shall be billed on a fee for services basis.
3. EAP Service Provider will not be liable for any failure to perform any of its
obligations hereunder by reason of acts of God or the elements; acts, delays and
failures to act by governmental authorities; riots, insurrections, terrorism,
sabotage and war; interruption, suspension, curtailment or other disruption of
utilities; or other matters beyond such party's reasonable control.
EXCLUSIONS- EAP Services do not include the following:
1. EAP Service Provider is not responsible for the inclusion or exclusion of any
particular service or benefit under an EAP ParticipanYs other coverage, such as
a group health plan or health benefit/insurance plan.
2. Evaluations or reports for a legal proceeding.
3. Fitness-For-Duty Evaluations.
4. Authorizations for an employee to take a leave of absence or time off from the
workplace.
Page 12
5. Counseling mandated by a court of law or government agency.
6. Specialized treatment or evaluations required as a condition of parole, probation,
custody, visitation or forensic evaluations.
7. Expenses related to Substance Abuse Professional (SAP) services.
8. Determinations or reports related to Family Medical leave Act or Short/Long
Term Disability.
9. Any onsite service where the safety of the provider would be considered at risk.
Page 13
ELIGIBLE EMPLOYEE FEE EXHIBIT
1. The Eligible Employee Fee is One Dollar and Fifty Cents[$1.50] per Eligible
Employee per month.
2. On-site Critical Incident Stress Management in excess of the services outlined in
SERVICES EXHIBIT, will be billed at Three Hundred Dollars [$300.00] per hour,
per service provider.
3. Additional hours of Critical Incident Stress Debriefing as outlined in SERVICES
EXHIBIT, will be billed at Three Hundred Dollars [$300.00] per hour, per
presenter.
4. On site Employee Training or Educational Workshops in excess of the services
outlined in SERVICES EXHIBIT, will be billed at Two Hundred Fifty Dollars
[$250.00] per hour, per presenter.
5. Additional EAP Services and alternative rate schedules may be available to the
Group upon EAP Service Provider's discretion and written agreement.
6. The Group will reimburse all reasonable travel costs of EAP Service Provider
and/or subcontracted vendors retained by EAP Service Provider to provide any
additional services beyond those listed in this Agreement.
Page 14
[BINDING ARBITRATION EXHIBIT
ALL DISPUTES INCLUDING BUT NOT LIMITED TO DISPUTES RELATING TO THE
DELIVERY OF SERVICES UNDER THE POLICY/PLAN OR ANY OTHER ISSUES RELATED
TO THE POLICY/PLAN AND CLAIMS OF MEDICAL MALPRACTtCE MUST BE RESOLVED
BY BINDING ARBITRATION, IF THE AMOUNT IN DISPUTE EXCEEDS THE
JURISDICTIONAL LIMIT OF SMALL CLAIMS COURT. It is understood that any dispute
including disputes relating to the delivery of services under the plan or any other issues related
to the plan, including any dispute as to medical malpractice, that is as to whether any medical
services rendered under this contract were unnecessary or unauthorized or were improperly,
negligently or incompetently rendered, will be determined by submission to arbitration as
provided by California law, and not by a lawsuit or resort to court process except as California
law provides for judicial review of arbitration proceedings. Both parties to this contract, by
entering into it, are giving up their constitutional right to have any such dispute decided in a
court of law before a jury, and instead are accepting the use of arbitration. YOU AND ANTHEM
BLUE CROSS AGREE TO BE BOUND BY THIS ARBITRATION PROVISION AND
ACKNOWLEDGE THAT THE RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS
ACTION IS WAIVED FOR BOTH DISPUTES RELATING TO THE DELIVERY OF SERVICE
UNDER THE POLICY/PLAN OR ANY OTHER ISSUES RELATED TO THE POLICY/PLAN
AND MEDICAL MALPRACTICE CLAIMS.
The Federal Arbitration Act shall govern the interpretation and enforcement of all proceedings
under this Binding Arbitration provision. To the extent that the Federal Arbitration Act is
inapplicable, or is held not to require arbitration of a particular claim, state law governing
agreements to arbitrate shall apply.
The arbitration findings will be final and binding except to the extent that state or federal law
provides for the judicial review of arbitration proceedings.
The arbitration is initiated by the Member making a written demand on Anthem Blue Cross.
The arbitration will be conducted by a single neutral arbitrator from Judicial Arbitration and
Mediation Services ("JAMS"), according to JAMS' applicable Rules and Procedures. If for any
reason JAMS is unavailable to conduct the arbitration, the arbitration will be conducted by a
single neutral arbitrator from another neutral arbitration entity, by agreement of the Member and
Anthem Blue Cross or by order of the court, if the Member and Anthem Blue Cross cannot
agree. If the parties cannot agree on the individual neutral arbitrator, the arbitrator will be
selected in accordance with JAMS Rule 15 (or any successor rule).
The costs of the arbitration will be allocated per the JAMS Policy on Consumer Arbitrations.
Unless You and Anthem Blue Cross agree othervvise, the arbitrator may not consolidate more
than one person's claims, and may not otherwise preside over any form of a representative or
class proceeding.
Page 15
. N
�
r
Y
���
��+
.y`
c
�
�
�
�
�
�
�
� �
�
�
� * �
� �
� �
• � �
� �
�
�
�
�
�
O �
� �
� �
0
�
�
M
,--1
�
x
���
��
d
y ^� ` i
w
�'� ..#5 .� : i
q �. � j
� I � !
��aV����°_ � � j
r/� �
v1 , C
� ° ; Y �
� � c c c � c ; < <
� �` �, 0 O O O O `
C .a..+ .E-+ a..+ .� .4.+
O aJ ca cB ca ca cB
� � � � � �
QJ C C C C C � �
� ` �- ln Cn (n tn Ul > >
� � � � � � � � �
� • a a n. a a v a�
� •� •� � •� •� •� � .°� �
� � c c o � c c U � U
� � O O � O O O �+-� � a--�
� ' s L O L .� L O p O
�' tn tn � (� (n (n Z � Z
� � _ �
,i N i i � i i i i � i
� � 1� � N � � 'O 'a N �
• N N C N N � v C �
� � � O O � O O O O .0 O
� ' � � � � � � � � � �
� . _ � a o� o o� o� a� o� o a
. ,._,
�
� o
� m
.-~ �
V �
�
' '""' a
�
O �, °�
� � �
�
�
° a o
� � a U � •C
�--� � � o 0
O � o � �
C� °o � � � c� �
V C � � � �p L L
�'�1 • (a �
�1 � � � �� � � 2 Q Z � "�
� — � � 2 Q �
� = a m U U w w � o cn
�
�
�
�
Y y
��4
��
� � � M � �
� � O �y O
' fPr � � '� � rl
�
n �
O �O 1t1 N o fLp �
^
� � ri � � N � .�
: , � {f} � � � � �
�
�
i
c�s
• � � .0
l.[) �O � M � � �
. ' ...i n: � c�r) � �
. *'� �} N � �
. � V� LA ,O
�.:.
�
U
�
a
- , �u
N L �
, o � �
� ' tD � M � � � �
� � � N � M � �
i� fy'f
�! , •+ �
O
�"�1 �
. �
� . (Q L �
I,l) 00 � � o q1 N
O = � � N � � *'�� �
� �
� �
U
�
V/ �
�
d' �
� � � N Q
�n o�
� � � � �
� fi
a
'�'J �
� '
� � � .0
L� � N U
� � . ,� ,�
� '� �
� �
Q � o
� �
n , � d N
rr � �
4� O " �
� U : � � � �
" � � � c
O - O L � �
� G � U Q� �
�� � ' � � �
^ , '— a — � � c �
�.r.� v 1- � a.�+ N V fLC �
� � � 0 V C � _
� ('a � � ~ � � � cF
� � � � N (7 ll.l
W .� � � C � o � �
LL a� o c o o � o
a � Q ifl- o � ?
�
�
�
�
i
!�
��
c`
N
O C
� c a ' o N .� S0 0
� v� > > �'�� o �.�o � vNi uso
o � �oco � � rc �o a� � ��
� o � Q v oo � v � c a�i �v � � n`yi
' w � 0 ;4��o '�° aZi a; �4 � u � c � a�i
� c � � � � c c N v r�'o� rn�� � a
c
.4 E T�o N 4 Q o a; � � � � ,�� � o
4 v °" m � a fl.
y � a� �Q C � � � � Eag � ^ N
� � � .�w � a�
r� �o � o � �- ^
� o�� � .� � � L � � �
� � c � 3 � � v� iv vi
., ro c o
� v .�+ 'c � � .c � a �� '' o E � � ry
c �, vi v �
.4mp � �� �iN4 N � � � � `^ � i^rn
• t�l�`�L -O �`� i'' Q C p f6 � �"� G1
p a N O O f6 +� O `� y�
� � � � E G�1 v � 7 .i�-'3 � O N S� � O
M � � C p� Q. C � C uZi L � V � 3 a
C
w � �.�'VI �9 � � �V .�u N �� � N
N � x � v N
� v
N � � a� O
�6 N � V •� fl-Q N 'a ul �
V1 O i C (LO O Q E C S� "'� N
O
O � u-. � � i Lfl i N �9 rO C O�
� � O � v N � — ~ O � ln � L N
V w., � a� OU �O � C C �N a="d
� � � �` �t/1 N CdJ� �0 �0 �g N 3 �
w � csa , L = .N � u
• � o' .SQa� o � 9t � � � ��o oa
� � .E '� � Vf � �� `6 v � � ,� N
.4 � � c�` � � ` � � Q �o
v � +' •� o� > > � o'� > cn
� � 0 3-o �L '� O 9t
M � .SQ � �
� C � o
� L U � �
� L � O �C 'O .0� � N
O C � 4! v t C � � � .SQ � O�
. C V'C C C� .�1 �. N y1 �w Vf � N
O p � � O i6 Z 92 � � ,a.�_, ra � 3 "o
� '� O a � 'O •� N � �,� C O � � O
� • , N y,� " N iU � � �0 i� O � 4J .a
� � N � d �.t� � C 7 � � � r�
� M V y C �C C E E C r0 !O V�i O O
w �p.�C � C d t Ip L �
E a � " ,� � a a�
� � �o � �E
� o c o v � � c � ` ��
� La C � v� � N� � p� � N
�
� '" .9� 3 � j .� t=n N N � � C ��,�
c �; � �n �,c V �c ,�O � N
C � O�U co � � v+ � v
� � .Q o r, � o y� � a p ���c �n o
� a�i � ,�e � .s� v � oE � o '� � a
�, M,'�° � ` o �oE3 �� � •Z � o �
° 'E � m m� �w � Na C' v�i
� v C � � C � � � 7 � � �
U � f- � � � Q � � �
� � � o �o-- L ,tiE
� � � �� � � �
O �p •� O �O Uf\ � l�1 `"� N
� O �� O y� � �� � � � C N
� � c �•� c3 �^ Qa�i �� o-oo }, c � � a�
o rn � � °C a�� c mv � v
'� .Q,c�o� `o c H o,� � a�i c^� � � ' � o
� p a -a � v � � .Q � a Q � �� � v a
Ma�� � o � .��em � � n ° c� 10 � > ,�
� � � c a � E � € v �� a �� ao
^ 1 � � �
W � N C C`�
o m o m cn rn a�
� � = U a U � �
O
� U s
� � � � �
� V c '°� v
'j O
� � U � � �
.4 ° s �
� � � a a >
U � E Q
W W a
�
�
�
���
t�
�d
a
L }, +,
a O C C VI- � f0 � L�
O- � -
� � � ;., ro m � 'cQ �� �va;�+`om � � �; � � vi �'
� 0 � (O O�V Of U) O a+ � C � C C u � p � C O �j d O
� !�O L 3� � � N O.i-�' C � u s' C i6 N � O� V � m � V �
� N � .fl N C +'.o iC C N u�i� N C �f�0 1C u� y �� VI N Q �� �C
• '� � � � O �� p� a�.i C N > � �j O. � �� � � � N C y N ` N
� C � @ y � � V� � � � � � N u V � � � N � �
� ' > N C aN � N- �-' y� � � N�' E N �
� c @ c'_ � '�^ v m � � u � � r°n � � � c � ~ ��sa °' � L � �
c � � aa� o � � c� Qo �+� � � c � � .c° m� oQ .
� � � E '� � � a `" �
p C V � i0 1A `� � �"� ]
O 'C � m �V �v p p � .0 O �'O � ICp CC y @ C � � m
�+ Q � � N �n N � n� � 'o a a� .Y � i' L C � O c � �
9� c� c ,�, � � � 92 ,� .� � CJ � a�i O g V�i�j�N � � U v�i �
. L 0 � O � o O`� � C � C ;�. C L r+ C 'C �� v c N
• a, � a, °; a`�' va, �� � vU �v �' 3+� `-4 � °�' � a�'J � E
.tC' � � 7 � � U .t' c0 N - C! � S p - C
C C C L L @ • �V � � V ~ N •� U � (�O �� u
G V E p_i p � C f0 C f0 V�i � 0 10� � C � '� Y C
� p � `^ �� r° � � �� al � O � � a '
� �
a ,c
� g o � N .�t R C � � o
�C C � Q � U C V � O (A .Si Y V
� ,o � in � � .c uTi � +-' `" � u a�^i- a'�i
' + n � � n� p� v a a v, ,n �o u u `°
u, v� u, a °tn' o ._ c
� � c � � '" � � � oi E o �, > p c'
* a' o � � L° � � ''U � � o +� � .a y � o
� • � � c ,� a m
• a'�i 3� a� �o � � ° a c o ° � a� `u E
:� ,n � �a ,� a � 'fl a.i v � � E
� c � -o � �o E �' �u � � o °c' o �' o
7 �p •- V1 C C �p � L
� j O O � � O ? U C O ,� � 'O C
M :� `�' � „ � � �
� � �
{� /� O L d 'a N co O L � � � �
rl� J �� � � L +�+ C U ;'' � r C �4 �y � a � 47'c � O
rI•i`r L � �; a a� a � v .`-°m Q o � 92 a � m u�i � r'.'o
� y � �n c � c� � � � � � � a � n u�i � m � •� � � �
,� � - o r� r� v �v ' v Lp c ., c � . -a
� . � � ot E � ;;, Q, � o,� � �v.s� o of6yt � �oas � �
-o �,� o �� � '^ v a�i p Q � � c g� " @ `-' � ° °' �
� � � pMj �C v=i i+a �� � �2t � N� C y � o L p � 4
� �� ,� � C � = C t`o o O C � O G ,� O � 0 .0 m ++
� � o O a � `° �' � g '^ o � > o- �� �� �� o
u y aNv �' � u, O ca a va a� o .9tsa
�I\ _ �% '�^ � 9 � ^� v w ro � � � `� ro
^ 1 W � >
� � � T � � � `
vo � �, � o � � �; v
J � � � � � � � � � � � � � ° �Y � o �
� t f0 Q � � � � U 7 � C � v� � U V Q y L
t t+' a� C� O � .fl � O U� 7
�, � G� � a y3j � � u�i � y� '�A w 9 C � � N O L • C
� • Ql O 1�6 G1 C�9� 0 � y �-p � Uf N � � •� 3 Ul N VI � t0 V�i
� - Y � y i�.+ �U(E yVj Ol v 'C (�6 'f6 U�1 � � O � � j'p O V�1 t0 �
� O � �� v � o �o � c ?t L^ r�a c m � � � Q o '° •� � .4-j�,
�/� V � � � � �o c �4 a�a� E � •" o E �' no m v"i
V1 �/ � � � QLN � p�c `O � o �c y +� � �o � s � ,°,�_'
• � = oMc � � o ° �' f° � � �'
� ^ � V
L
Oc a+ vi �n
V1 (n o c t� o, � o, y �n� a� � � � a �°n 4 u� �� ��
� v, L � Q 7 � VI N '0 � tp � y � N � N .�-' � '�O (p
•� v o '��° .°�� o v� o� � � � v c� � � c •`-' � c c �- v '�°
\\\ � �,v �; a aN � v, o � � � � .a � ,o o � o s � a � �n
A / ^ .t.' � � � L � � V �i� C v � !0 �p '� C VI � i-'� GJ t
W i..L � C Q � L �0 �� O � f0 ++ .t' a+ ++ N 7 O 7� +� �
� � E c �� � � o v �' c� v� � u, ° " ,� � � v
� � oM 1 �-� � �+ � o `o � � v � '°� � o° c �
� � o � a =
o � �
�
�
..
� � .�
� � �
�
U ` ` '� a
�, �y c w
.� C � L �
� � s a � c
� W � a � �
� � �
� � � � � c �
p1 c d
u � ii N G
n
�
Y
Y
���R _
4�
c � 7
C��
� C
� �L � N �6
C a V1 p Ip � t'
.0 � �O; � C � ^
• y� j �� � aL.r C C 4/
� � N +-+ C � !p C
• • .i-�'O � ��� � �� O
C O �-' p� d N L
ON � .V � V�1 �
� C � ' v
O � a�
0� (p
°' � T � v
� c� u c
_ o ,EL � �� T �
� N� � � � � v
' � �
. � N �a E o �a
. � � � � � c � �
� 4.� v v � d
� v � ��
�. �F- C r
W .r
� �v- C ,F
v v Y� Q � O
f1.L � 'j !� C� � � y L
41 C ID 41 �v 7 C tA � O
• d C � � � C O N�L � �
� � � � � � S1 �U� Z +' v t' 7
. oi �p �n t :,., a� L a �
* c� o � c vi �n 3 c
� ,� � a� 7 �0 �� � N p� Q
� N � o � -1 �� 'U �+R
� � n � � .Y1 �
� �
� � '� �.. � � � �
`- a' O � O � .51
O �
� /� � r0 u �� C Z V � �
%r � C N w '� C � v � uvi L t �
� s � �� f0 � .s � 3 �� ` �� � a o
. a Z � �, �;t .n �v� �
� �
(� , . � � ° � � v 4� 30�v � o
r■ 92 � u� v :.� � v � 2, ¢`
� �.� o c
r � ^ � .�'� � �'Q= 3 ��`'� � �
�� T� C � j C � � N 7 p O
1 v � +-� T � a7 O � L �
F-
� � i � O � N
v � o
�L c "' � r�o
� ' � � N v � 3 >.
�� � � -�-V li� � �' a �O
� �O � � L � �: 7
� � ' �N � y c c
' `�-�� St � Z � c �
� O � � � �� � �
� V V
� � � � �
.
� � �
� 0 � o0
� � � �= �z
� /�-� �
o .__ �, T
�
'L LEa�, �� t a�
� N N� � � �
W `v i� .� � F� � 3
Q �" L � a
+ _ � M CpCJ .�
�'`; � � O �
� v
� �
O
� U �
� . �
� V � � o+
'� •a �
� ca �
� ., E c
� � N � �
� v J � C �
�
U Ul m o�C
. �
�
�
z
W
���
C
�
V
�
�
c�
�
�
� O
. �..� . ,_.,
� +�
� �
4� �
4�
�
O �
� �
� b�0
O
�
�
rn
�
�
�
���
r�
��
� . .
�"� L �O L
• �""i 00 Q1 f0 � � I� I� N fC
" N � Q � • M I� M y
. � � � . � � �
• • � {f} Q1 � • • � {�} Q1 �
� �
.
N L IA L
�n d' �p �C u� co �A �C
• � � ''' LA 0� • a? ch OO a7
� ' - A
• � �- N � • � � � N �
� �bR� fl�
.
O
• �
-
-�-� , , m � � � _ , � � �' �
� ' � '� � � ' ,� '.'' M �
^ . � r'1 . �- N
v � � M � � M
�
� . .
� ' N � . ' N �
� . � � M 00 ^ � • ' � 1p � tp �
i�-� � � � °' ' *� °'
s � N \ r ' N \
• N � N �' . cV .� M �'
h n � � i!'1' M � �' i�F M
��v • .. ..
O
�
� • .
� �D �' � ,� d' N
� � ,� �O ,.� • � � �
W . � -Nt/�- � . � � �
V .
�
�
�-�+
t/1 N N
V1 � N N
• � O . ,--i . ,--i
V1 �
� •L � �
� � a a
� w w
� � a a
.� .�
W Q ; � : �
� V o 0
O — � � °' � � �
. L � ♦ 1- �
r� � � a � � � + a � � �
�••I .V v o p L � o o L
� � � � � �a � � � r�
� v � �a � � a� � �a �7
� � � = C � � � c �
� a � Q � a � QOC
O
tV
�
Y
��
�`��0"
�ra�.�-e
t„
Y�
d
�
�
w�'
W
�
�
�
O
U
'a
a�
�
L
�
�
�
L
�
�
t
�
�L
Q
H
a
�
.�
a�
�
a�
u
� _
�o
� L
�
�
� 1�1
� �
�L �
L
�
�
� y
� 3
� M
� �
O
N
�
�
r N
s
���
�'� C C O
d ' C
O +�
i C N t�ll �' C U �j N 7 N
� L O � y E i (0 � � L � "� O �
'`j O. y c.1 p_ C O � � � � 01 �L C � _
� � .� U � L D � 7 7 � C � �d RS n
i° E c a� � � �^ o •- -o • rn c �
C X fa L O� C � � O � � a� � '� '''' O O C
� u � c � � � in c
o Q1 u1 � a a � > > to � to � C m � 7 � �L
O O � � L 4J � �j. � � �O � � 'o � t=J1 � � � �
i LL C 4J � O U N L a1 U i �
i � Q� � C � � � � L � R1 C 1�., � �o O y i
� � L `! t6 N O �'�-p � f0 r0 � Qi C � u"O
o>, °v �' �.� c � a� � o .� N � cE c � c � �
� � � � o c L � � c E +' � v ,� °u °; � � ;° �'i c
o � � u� � 0 3 3 v o � .� �n � �n � u v � � o
:�' o � � c � `� 'nm c oo � va �n M 'n �raN" L
� '� � � ro '� � +� . v � 'v � u-
� � a. � a � � � � c � � L c c 'o o Q ° � v a
� a� � �' � � � � = N a� 3 � � n �n cn � � �a �
p pL ' � ° Q 3 � � '° a� � �a >' � N � u � �a � c �
4- � N S QJ +' (a U C � i� O — U C �` C i+ � a � �
'v .� Q � ° � � �� > � � '�° � p� c `° c�ai� ° uQ � u .�
� � �n � o +� �n � o �oo� �, ° °� u3 � v ° � �
O Q. �° ou cv � va L � +� � u � c� v tnu � � �
3' � � � t'i 3 - � v °� c3 rq '^ '� � > �- �
v_� o E � � o 'g� ° v '� ai � v ? u � a � � � � � v
� � += o � >-f� o � � > j ° � L Q �o � � a � �nu � v
� � �
� . � . �, r� Q oo � oo ,� o � no � � � u � � o
� ° E � r�o � °c °� a�i � � � � a��iN � � u u � � � ` a
v ._ p _ L i- �� ro ir +� � � � �U � 7
� "� +�-' >' 0- � �}' �7 tA y,r L ffl � � O (n � � a 0 � � � O
� � � � O O C O� Q (a '- tn L � � � N � ), � � C �'
> O� O
� C ui ra v Z L � � � � �' � ro Q QJ � > � N �i v � v N
� � � � c -°a �' Y vQ� o � a�icn �' � � v � t'; �' � � u �
� E c a� � v � r� .� � � v � c � � °- c� u °; °� o � � cn
ov � � �o � oE � �n � � a �' o � � �oQo -� � aoo �
_ � � . . . . U � � °1 � a
v�
v v
u $
� � � �' � � v
m � -o �
� C � � � C � � � U1 ), � � U
p_ ?s � UI O � L L td a.+ � C C C
� u� o �n - a� �, u� a �a a� � = a a� _ �
m
L�+ u) � > i � � O U p N � O � > � 'i 7
� a� �' � c �o u o �' �, o �L3c �
• t'i �o �,
o � �c � v � o rLo a � cn � � �' � v � t
'D � n y- tC .0 �"' � � �"' C7j L O C� � � Ip _
i C �J (0 C O 7 O O lJ • C
�' � O O �u � S � � � � C Q �O �' � U N
C A " �+ C � �O C p p i Oi � � � L-' '� � w
N +_' >' O '��- �- C � �., � � f6 � � ,� 3 in � O
o � rw�a r�o � 3 =o aCi u c o -�0a � =' � ' � � '�°
� u a � +� o c wo � �' aai � �° � � � @ iov o °� c
VN Q � c rn +o c p o v _ � � � o � � > � m o
� '..,� vv � � � 03 � o�i � c � m oai � a � � `� � L .
c vi 'u, � � �o a�o �
�� � L °o. a `^ u� o O � � v � rn � �- °' � � � a� � � �
O o � � � � � � L .� � a a ,�°�. = v � cu�i � � �' � -
p � T � a� � • o � •0 a n � o � � � � � � v�^� � �
� � v j � � � � a � � � � � � o � � uNi o � �v � � � �
� '" O a_+ N � � N ui ,.�_, C � O i- +� �
io � C � � p_ � N � >' O v a O uj N V � � r6 Uf . N � �
� � t/1 � � _ � � u� tU � Q � '"' � � N � '� iC f0 � � .� �.� � � � 6
� � � 7 a L p C 'O � UJ N "� 7 U � N � �+ y •` �p N C 0 Q � N
V .� � � °, � 3U � '^ _�, Y � °J � '> � � � oyN a= � 3 � o � 0
+, c .� � � cn � +� � u o � 0 . o v � � v - �v .
� U � > � U � p f6 � v i L _ � p_ > C � � 0 � L N ' �+ 'a p� a�
Q1 � O O U � p� L v +-i � 3 ro �O � � � c11 ��., O-� '�' ,ti, �' � O C i� i
L
� � � a� c n ,`o _ � � v a� v u � � � NpQ � �, v .a +-' � ` +�
u �°, � c � � u' c � fl-� o '° � � � � `v cn � � � � � co ` � E
• v j, � o N ov� ov a� � a, �' � v �v � a� $ � � o �n � � �
� 7y C N y' C L N L �' � O �- t�j� L a O.`� > p� L � � � U tn 7 3 a
� 7 O� (n �n
� V E N L � Q!� o ��� ,> N � � t � •� � 7 '„i � E � N �
� � � ' i i �, U �i � C � � � 3 7 }' 7 � � �� 0 � � � �
G a� � ,Q � O � � v � v O cn � o O O � O � � � � o +� aaL o
c
= � tvn .E • • Qt�n S � • • • • •
N
N
N
�� �' a� � � '� �
'�.."�°� �p � � c c •L
_ o �
{� � �` �' � ra +, � u {=
� � � � � � �o � N � �
N � V }=C � N V1 '�
� U � �.a �O C Ql c0 Q N
� �
"a L> � � L lCl� �"p N �.
� > � 0 � C �i.d L � L
t0 � � ' L C O � f0
^ V `� � � ,4; N � � O.
;0
N �
C A � � (�0 V � � � �
L C — � C
� � � O �` �. � �� (�p �• a'�.+
(n y .i..+
C E 'C � � U � v a � �
~ � � � � � O � � � �'
� () O � C t�9 L O � E �
�pZf � i� a � O � �' O U
u- 01 � .6� � �0 U1 � � �
N O +,
cn � (a � ,� � � = � 'O C
N � a �- N U�j +� � �
�
�� � � � � � N � � V �
f0 �- cn 3 �a � a�
� � Q � � o '� ca N � N �a
� � � � � Q � p > t!� � �
'"' 0 U •V �p N � a-' N O - C
X �n O � N
tn N � � �' � -p a-' L N
� � vj � p "- � C O U �
� �
� tC N N '� � (�p � N � � �
U � �C E �U � � (6 �• l�J
� a(!) � +-r � � V V (p "a �0
� � � T � O � � C C L C
U) C O C V 01 � � � O ,L
a� v � � � N � � > > � � �
v oi � a L � � Q �n cn cn o c
c � c � � � � � � � >-
° v �ao `� a � u ° ,� �
� U i U ,� E tD C � 0 � U
� (� � N -� N N � �1 01� L �
'-' L � v � � � � ti l� O +� C
O v1 -p ca � � � C tn cn L C �
Q1 C � L d'1 L • - - tf1 fD U
L � yr � C � � U N N � �' C
f0 �L (p ln � }, i� } � •
� � = � C N U > � � d C
�n � � �v oLa� � +� NE o
j�°� � � �= m o > � °� � o �n o
> Q � C i L 0 L � � � �
� D. p] � � cn U �, C
Q1C 'fl � � V1 �" � � �J `� �
� • C L l� a
� C� � o > � � o � N � ln E
� '� � va ca�' � � � c p�
� � °' �, � o ,
}' �L � � -� o � � E � � >
� C � � � � V � � �
� � � � a � � � � O � O u
`� � C � -� � C � � � 0 "� �
� � � � •L � � 0- �> (�j ];� �
N � � = y Q � u� � � +_ � �
(6 ?> (p � tn G � �-� UI �
cn w �n � a1 .4�., N �-' � �, � �p V
V/ U � U � _ � L 'a � � UI � C
� '� � '� � � � '` O � � � � cL0
� � U � �,�'-' C � V � — U p �
(n L ln � � � -� -p N — C �• C
� � U1 C � � � � � V � � C O
O � � � � .L � � � v, �� � �' � m
� � � �L � � � ,� 0 � � N C � L
UI . (� LL N
r�, � � � � � � � .0 C � � � � � �
V O VI O 'a a� U N - c� � � r0 �' N O
� L � L C `� (O O N O (O L C L
a. � n. � oa� � a� cna. a � � a
• '..�
Q • • • • •
M
�. N .
s
�
�� � i �
��� � � N � �J
c . � C • C 'yr N
N � O � `�k
O � � � C � � � C � � �
L � o � 3 a� ,� ,� �' v = �
v� a�i > .Ur� E � ". La� � �' ° ? �
C � L O L 'L >
� E N C � O 'C � � � � � � Q � O
. � , N
� N OV � (O N � � C C � � 0 � � � V
� U j N � � � � a � �'' � C � �' Cf C
� j p � N � p N � • O � � � C � �
�
L p O p �n � �.' u � -� � �� d� � �
� w � � C C � C � �ln 41 C +7 +� � � C
A O ' N � O1
O C +� N � U +' t' '� `�' p � -p � QJ
E N �J � � � !a N t0 i U � � N L
f0 L
'p +' � � N � � N (0 � O 7 � � � � �
C �
N N C �' � � N C p� " O � � ], � �
� � i� O � � � C f0 C � �' � � C N �
tl� �-a � � O � �p N -0 �O v N L Q � O
� C 7 C L �-' fl'� � 7 � � �' � O
� C � � � ;� •L � Vl C � N w �' O �'"'�
�> (0 tA 'D � � � � � � �� � O V Q7 Q
�
C C N (0 � a C � V � � � , u1 Qy U 0. �
L
' fd � � � L. f0 � � Q
� U '
VI � N � � V �' � �J � " Q�.�.+ � a.-+ � f0 �
� � (`0 . .� � � -Q � C � L � x �
L
a.�.l � I/� N UI � N In In � � �U � � � C L �
� L u � -o ._ �
� � � o •� .: m•� � � � a� � o c � �° a
Q � � � � � � � � � �a �n � �a E
� c � coo � '�a � �� � rLo � � �� � o
� � � — � � �n � � � o � � c� o v •— — w
� ?, � ° ca �' �' � � -o a � � � ,� �, � ao
o � a a." � � N � n� a�i a� o '� o � � �
� � o � L a $ u u v� � Q� � � `� .c � o
(n � � °� '�' � � ` t0 � a�i � � � � u�i � ar�a
� � ii � °� s `D �° � ,� ° � o, � � � � a�
� u, v a � � E � � o �n � � � � o v �
�� � � � � c ° � v�i � � ` � ` � u�i '� a�i ti
V � � 0 O N � � � a 0 � � � "a N � .0 O�
N +� N C � � � C � i+ �
r/1 � � r � ° v � � v +� N m �� L ca
V 1 ? � � � :�' a V� � � i .� N N � � a3 L
• �� � C v �, � v '0 � � A N i � 7 � C � �
� co '° � � �' � a � � � � � � � � ov a� a�
� �= '� � 3a� v � c�o � ro � � av � �u
� � � � � � � � � � N � � � � � � � � �
� ro � t
n � � � n 'c `L° � u�i � +�-� � � c Eoa' c' L
� � � � o � � � �• N 3 �•� � > c � �
� � � � a � � � � a� � ro +� � - � '� �,
� � �. �, rnE � � � +, 'c N u E � v ;° E
L � �
� > o rn 3 -a � � o o � o � � � � °� � � � •`-' �
� � E � � aa�
� 47 C � � � C L � � � Y C � x � . ' � y,� O Q f0
U fl- � ,�, �' L C p Q' rL0 � � � p � p) +�.+ a�.+ N C i r0 �
� � v� � � . ;., >. � >, a� � � u � � � c 30o Lw.
� o00 � � � ro a� �n �a � v '� � v � oo �, � � � E
� � � � o � � > � � � �o c `L° � � � � a� � w >. �
W � � � � _ ? o a � L � � � a � � •� � � � � � a �
f° ° � a � a� � � aE � �L � o �� � � � � �� o o a
�"'+ a, � � � � L � � �, o .� � � � o c .fl � o L � � >'
� N �'~ � O t. L � � '� � � � � w O � � L u (0 � � .� C1
N �D � N
� >`� tn � � � � � C O Q �.0 � � rd � O p � � � _ � 'v
�n to �, C U O tn C L � �p � � � p
� C � 01 � � � � � C O vl p� � V � � O V
O � uf .0 v1 rL0 � � 'U
T/'� � C � � •L U � lA L �� � p �, Q L 7 � u1 � N a ln (0
V L tn �n � L � L � � }' � O 'S tn �
� � � � -p !n ry � � N `� N � t' ta � }' t � ,C p p N
�' v � � � � � � � E a� -v ` a a � 3 �' � a� c � �' � �
�{ v � c'r t � � Q' o v' c 'f° � .� � c v � .� •g E � '� �
�v � ,� � � Y v ,� u r�o, ca � � � � � •� N ,� �n •� o E �
� • �i u � a� � rn .� u a o !� - a�
� �n � � � o � x � � � � � � � o ,u� c� a u EL �
r � � -a o > 0 I- w - � � � � � ` a c n' � � � ui � a�
I�.■1 �n � � � a� � � � �' ° a� E o � ° o � �' °� °� o
L � ° � Q ■ ■ ■ ■ � � aa� �o � a� U � a cn � � � � 3
�
r N
s
��� �, .
a� � �
-� � +� .°� �
a� c �
N � N i ra c
� �- O
� � � �� � �
.i.� O q� s- N � N
� �"i � 16 � L
N y � L
� � � N Q) U1
V L � � � j �
C � � > g1 �3 p
� O O >
� � U pi u=i � u�
C � +.�+ C �C i �0
O O � � � v �
�t i, a--� N a L � �
�.+
f4 � � N � �L �
LL .� E +' � N O
(n � � � L
O U i � }' � (n
N +.+ �p �p fp N C 4J
� � Q � � .c0 N Vt
� E O � � C .41 �
C 7� C � (0 U �
� � v o �nc � v
oaE vcw � u
�o
�.� a� � or �0 a
UV y N C� �1,� '�
C ,L � � '— C � C
(0 N
� � U1 � � L �1
C � � � L �
� �
� t� � d N VI � �
� � ; N N (0 �
� � � � L � .0 U
VL � � � � � � �
�+ �.'— � w L N
A ` L �' Q (� � •N L
W � � � � N � � +�
� L f0 �'' V C � � }�
7 _ C � � C �
� �0 O � 'p 4J �
• � .0 �U i:+ � '� � � LJ
�� � � � � � 7 O 7
�1 l C � pl � uI �
W 3 � 0 � c � +� c
� � � C U N �' N O .
lf1 a�.+ a.+ � i� .� �
'L C � 7 U 1A �j' �
• � E � � n � � � > v�i
�I'+V � �' � � a�� � � c
w
� N N � �� 'N -C NL
` V � L p_� +� (0 L �+
� a-�' � • 7 "�' r0
U U � O � O C O �
�6 (p 'p �� {' O L �
O. o. � �n VI '� p �
• � o o �a '� � � 'o_ c co
� � L O
.IA N 'U � � � � � C
� � .� � C N L � � C
C> >_ �' � �� � �°' ��
� ;� a�- L c
v � � � c �' Q ,� �
� �„ p o c � o �
� � `� � � � � � .� �
�, Na� rv � .v_ �n
� �
� V � � U � � � U ,C
C N C C Vf
� � � � � � � � � �
� � � C � �+��.+ i �
C � � C � � � C �
L +� �
^ �
�O � 'p O 0 �N � O O
� �� � �U U U � �
LL � EC Li �.�'i C � LL L
1n L C (n L' � � UI 1A
� � � � — �
� � O � � � � � N
� .� �' � cn � cn � E