OBJECT: EXPLANATION OF INSURANCE RATE INCREASE Dear [CONTACT NAME], We are in receipt of a directive from [NAME OF INSURANCE COMPANY] concerning the above captioned Regulation. This new regulation went into effect on [DATE] and requires that complications of pregnancy be covered in the same manner as any other injury or disease. "Complications" is defined as anything other than a normal delivery. This is applicable to any employee, dependent spouse or dependent child. Due to the potential increase in claims, it has become neces
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