D.P. Associates Inc. - Welcome

2008 Benefits Pricing

Aetna Dental DMO

Aetna Dental PPO

Aetna Medical POS II

Basic Term Life CCO1

Blue Cross Blue Shield EPO

Death and Dismemberment

Emp. Stock Purchase Plan

Flexible Spending Accounts

Group Universal Life

Kaiser Permenante

Long Term Care

Long Term Disability CC01

Long Term Disability CC02

Master Savings Plan (401k)

Open Enrollment for 2008

Short Term Disability

TRICARE

Vision Care Plan

Welcome to L-3/D.P. Associates Inc.'s benefits website. Below you can find brief summaries of the benefits available for all full-time employees. You can also find links to detail summary plan descriptions, benefits and features summaries, and enrollment forms. If you have any questions, please send an email to benefits@dpatraining.com .

L-3 Benefits Newsletter: New & Noteworthy

New and Noteworthy Feb 2008

New and Noteworthy Oct 2007

Open Enrollment for 2008

ENROLLMENT'08 POWERPOINT DPA

DPA Changes 2008

Benefit Pricing Schedule 2008

L-3 Benefit Planner 2008

TRICARE Flyer 2008

TRICARE Information 2008

Wage Works FSA 2008

OTC Wallet Card 2008

Global Fit Flyer 2008

Enrollment Forms

Aetna DMO Dental

Aetna PPO Dental

Aetna Medical POS II

Kaiser Permanente

VSP Vision Plan

Benefits & Features Overviews

Aetna Choice POS II

Aetna Out-of-Area

BlueCross BlueShield EPO

Kaiser Permanente HMO (CA)

Kaiser Permanente HMO (HI)

DPA COST CENTER OPTION

Since its inception, DPA has sought to accommodate employee life situations by providing compensation options for full-time employees. DPA has two "Cost Centers" for full-time employees providing varying benefits for each.

Cost Center 01 provides employees with company contributions to health, dental, and vision insurance (50% company paid premiums) as well as a Term Life policy ($50,000) and Long Term Disability coverage both of which are 100% company paid. CC01 has a nine hour a day work schedule.

Cost Center 02 is more of a "cash" cost center. CC02 provides employees with optional participation in medical, dental, life and LTD coverage at the employees' expense. In lieu of company contributions to insurance coverage, CC02 employees are paid additional wages for overtime hours they work. CC02 has an eight hour a day work schedule.

PAID TIME OFF (PTO)

DPA offers the valuable benefit of PTO for employees to take time off of work for vacation, sick leave or personal days. Full-time employees accrue PTO at the following rates:

*Years of Service*	*Rate*
1-4	16 days per year
5-8	21 days per year
9-13	26 days per year
15+	31 days per year

PAID HOLIDAYS

Full-time employees receive 10 paid holidays per year

EMPLOYEE ASSISTANCE PROGRAM

The Employee Assistance Program is a company paid benefit available to all L3/DPA employees. This benefit provides the employee with access to a variety of services through NEAS, Inc. You and your family members will have access to

Counseling for a wide-range of personal concerns
Financial consultation for budgeting, debt management, and future planning
Legal consultation for personal law issues
Work/life balance consultation and resources
Health and wellness information and guidance

To learn more about this benefit you can go to www.neas.com and log in using the password L3C1.

Benefits Pricing Schedule 2008

Benefits Brochure 2008

DPA offers several health plans. Some plans are restricted to certain geographical areas.

Aetna Medical POS II (Available in all states DPA operates except Hawaii)

Aetna Medical POS II (Point of Service) is a comprehensive health plan that gives you the option of both in-network and out-of-network benefits. Employees choosing to go to an in-network provider typically incur less of the medical costs associated with a medical visit/procedure. The POS plan also includes a prescription drug benefit which you are automatically enrolled in when you enroll in the POS plan.

Benefits & Features Overview 2008 Aetna Medical POS II

Aetna Out-of-Area

Aetna Medical POS II Enrollment Form

SPD Aetna Choice POS II Medical Plan

Prescription Plan SPD

Aetna Rx Home Delivery Service

Blue Cross EPO (Available in all states operates except DPA Hawaii)

Blue Cross EPO (Exclusive Provider Organization) is a comprehensive health plan that generally pays benefits only for care or treatment provided b a National Blue Cross Shield PPO network provider. There are some exceptions to this like emergency room care. Your prescription drug benefit is automatically provided through Aetna when you enroll in the EPO. The prescription drug plan premium is included in the EPO premium.

BlueCross BlueShield Medical EPO Benefits & Features Overview 2008

Blue Cross EPO Enrollment Form

SPD Blue Cross Blue Shield EPO Medical Plan

Prescription Plan SPD

Aetna Rx Home Delivery Service

Kaiser Permanente (Available only in Southern California and Hawaii)

Kaiser Permanente HMO (Health Maintenance Organization) is a comprehensive health plan that generally pays benefits only for care or treatment provided by a Kaiser facility. There are some exceptions to this such as emergency room care. Your prescription drug benefit is provided automatically through Kaiser when you enroll in the HMO.

Kaiser Permanente HMO Benefits & Features Overview 2008 - CA

Kaiser Permanente Enrollment Application

SPD Cover Letter L-3 Group Health Plan - Insured Programs

SPD L-3 Group Health Plan - Insured Programs

TRICARE (Available to ex-military only)

TRICARE is the Department of Defense's health insurance program for the military community. It consists of TRICARE Prime, a Health Maintenance Organization (HMO), TRICARE Extra, the Preferred Provider Option (PPO), and TRICARE Standard, the new name for CHAMPUS. The TRICARE supplement is designed to pay cost share under the TRICARE "Extra" and TRICARE "Standard" options.

TRICARE Flyer 2008

TRICARE Information 2008

SPD Cover Letter L-3 Group Health Plan - Insured Programs

SPD L-3 Group Health Plan - Insured Programs

TRICARE Enrollment Form

TRICARE Supplement Brochure

TRICARE Supplement FAQs

Tricare Supplement Plan Benefits & Features Overview 2007

Understanding TRICARE

Aetna Dental PPO

The Aetna Dental PPO (Preferred Provider Organization) is designed to help you meet the expense of proper dental care. The PPO plan encourages preventative care and provides financial assistance toward the expense of a wide range of other dental services. The PPO plan pays benefits for four categories of dental care: preventive services, basic services, major services and orthodontia. You share the cost of your eligible dental expenses through deductibles and coinsurance. The PPO plan gives you access in network dentists. If you choose a PPO dentist you will pay less, since these dentists discount their fees.

Aetna Dental Claim Form

Aetna PPO Dental Enrollment Form

SMM Aetna PPO Dental Plan

SPD Aetna PPO Dental Plan

Aetna Dental DMO

The Aetna Dental DMO (Dental Maintenance Organization) is designed to help you meet the expense of proper dental care through the use of in network dentists only. The DMO works like an HMO for dental care. You will need to select a primary care dentist in the DMO network. The primary care dentist will refer you to a specialist should you have the need for specialized dental care.

Aetna Dental Claim Form

Aetna DMO Dental Enrollment Form

SPD Cover Letter L-3 Group Health Plan - Insured Programs

SPD L-3 Group Health Plan - Insured Programs

Vision Care Plan - VSP

The Vision Care Plan helps you pay for routine eye care. It is administered through VSP, which has established a nationwide network of doctors who will treat you for less than what you'd pay when you use an out-of-network provider. While you do have the option of using an out-of-network provider, the out-of-pocket cost of your covered expenses will be much lower when you see a VSP network doctor.

SMM Vision Care Plan

SPD Vision Care Plan

VSP Vision Plan Enrollment Form

Basic Term Life (Available to Cost Center 01 employees only)

All Cost Center 01 employees are automatically enrolled in $50,000 term life policy in which the premium is 100% company paid.

Cost Center 01 Life and Accident Insurance Beneficiary Designation Form

Cost Center 01 Life Insurance Conversion Form

Cost Center 01 Life Insurance Conversion Flyer

Group Universal Life - GUL

All full-time employees have the option of selecting additional group life insurance through the GUL plan offered my Marsh @WorkSolutions. This is optional coverage that you can purchase by enrolling in the plan. If you are approved for coverage your premiums will be payroll deducted while you are a DPA employee. Since this is a personal plan, you will have the option to continue your life policy even if you leave DPA.

GUL Enrollment Form

GUL Rates

GUL Worksheet

Long Term Disability - LTD

Long Term Disability is an excellent coverage if you ever become disabled and unable to continue your work. LTD will pay you up to 60% of your salary after a 90 day waiting period from the beginning of your disability.

Cost Center 01 - The LTD coverage and premium is 100% company paid. There is no enrollment necessary. You will be automatically enrolled as a CC01 employee. If you ever become eligible for payments under LTD, the payments will be taxable as the premiums were company paid.

SPD Long Term Disability - CC01 Supplement

SPD Long Term Disability

Cost Center 02 - LTD coverage is optional and is 100% employee paid. You must enroll with in the first 30 days of employment to avoid additional underwriting by CIGNA (LTD provider). If you ever become eligible for payments under LTD, the payments will not be taxable as the premiums were employee paid.

Long Term Disability Enrollment Form

Long Term Disability Evidence of Insurability Form

SPD Long Term Disability - CC02 Supplement

SPD Long Term Disability

The Short Term Disability Plan continues to pay 60% of you basic weekly salary, up to a maximum weekly benefit of $1000, if you are unable to work because of illness or injury. Your basic weekly salary is your regular pay, not counting overtime, bonus or other special forms of compensation. STD benefits are reduced by any other employee-related disability benefit payments (such as sick leave, state-mandated disability benefits or Workers' Compensation benefits) you are eligible to receive. This plan is 100% company paid for all CC01 and CC02 employees.

How to Report a Disability Claim

Plan Summary Disability CC01

Plan Summary Disability CC02

Long Term Care - LTC

In the age of rising health care costs and increasing life expectancy, it is becoming increasingly expensive to care for the elderly. This optional coverage provides you with a few options for offsetting the cost of long term care for someone in your family. This plan is offered through Marsh @WorkSolutions. If you are approved for coverage your premiums will be payroll deducted while you are a DPA employee. Since this is a personal plan, you will have the option to continue your life policy even if you leave DPA.

www.personal-plans.com/L3

Voluntary Accidental Death and Dismemberment - VADD

Voluntary Accidental Death and Dismemberment (VAD&D) Insurance provides financial protection if you or a member of your family dies or is seriously injured in an accident. It covers accidents both on and off the job, at home and away, 24 hours a day. This coverage, which is insured by American International Life Assurance Company of NY (AIG), is optional. You may cover yourself only or add dependent coverage

www.personal-plans.com/L3

DPA's FSA gives you the opportunity to fund certain benefits with pre-tax dollars. Premiums for company plans are conveniently deducted from your earnings on a pre-tax basis. The FSA program is administered by WAGEWORKS and allows you to contribute to medical expenses or dependent care expenses setting aside pre-tax dollars for reimbursement.

Medical Expenses This can be used for out of pocket medical or dental expenses including co-pays and deductibles. A maximum of $5,000 per year can be contributed. See IRS Publication 502 for qualifying expenses.

Dependent Care This can be used to offset expenses associated with licensed care for children or dependants required due to parent/guardian work or school schedules. A maximum of $5,000 (married filing joint tax return) can be deducted.

The FSA is a Section 125 plan. Internal Revenue Code Section 125 allows employees to pay for certain benefits on a pre-tax basis. By funding your benefit premiums and SOT account with pre-tax dollars, you reduce your overall declared income. The result: you pay less taxes and ultimately increase your take-home pay

2008
FSA 2008 Enrollment Form

FSA Quick Start Guide

FSA Health Care Card (Debit)

FSA Orthodontia Guide

FSA Health Care Claim Form

FSA Dependent Care Claim Form

All employees are eligible to purchase L-3 stock at a minimum of 15% discount during established purchase periods.

The ESPP gives you the opportunity to buy L-3 stock at a 15% discount. Depending on how our stock performs, this discount could be worth even more than 15%.

When you enroll in the ESPP, you authorize L-3 to deduct from 1% to 10% of your eligible compensation up to a $21,250 maximum annual contribution. These after-tax contributions are held by L-3 Communications until the end of each Offering Period and are used by the ESPP to purchase L-3 stock. An "Offering Period" is the six-month period during which the ESPP collects payroll deduction

ESPP Summary Plan Description

L-3 ESPP Welcome Brochure

You may defer up to 25% of your salary either pre or post tax (or the IRS maximum for the year) to the L-3 Master Savings Plan 401(k) investments through Fidelity. You specify the mix of investments to a variety of accounts with attractive returns. The plan accepts rollovers from other qualified plans and also incorporates loans for qualified participants. You may change the investment mix at any time on-line or over the telephone. DPA matches $.50 on the dollar for the first 6% of salary that you contribute. (DPA's match equals a maximum of 3% of salary)

MSP Enrollment Booklet

MSP Plan Highlights

Summary Plan Description

MSP Rollover Instructions

MSP Transition Letter

L3 Freedom Fund Brochure

401(k) Plan Performance Oct2007

End of Year: L-3 MSP Plan Highlights 2007