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Medical insurance<br />

Medical Costs<br />

Lost Productivity Costs<br />

Presenteeism<br />

- Loss of production<br />

Absenteeism<br />

-Doctor visits<br />

-Sick leave<br />

-Disability<br />

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna 12

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