Your organization, located in Manitoba, will be enhancing the group benefits plan

offered to employees in two months by adding accidental death and dismemberment

(AD&D) coverage and vision care coverage. The organization will pay 50% of the cost

of the AD&D premiums and 50% of the cost of the vision care premiums, with the

employees paying the other 50% of each premium. The Manager of Human Resources,

Sophie Martin, has requested that you, as the Payroll Supervisor, prepare a

communication for the employees, explaining how these new benefits will impact their

net pay.