Let's say Bob wants to offer an insurance package to his employees that will
cover any outpatient surgery charges, tooth sealants, and glasses. His total
annual cost for providing these insurance plans will be $ per employee
for the year.
Let's assume that Schmidt wants to cover his employees' expenses in case of
disability. He also wants to ensure that the family of an employee is provided for
in the event of an employee's loss of life. The total annual cost for providing
these insurance plans will be $ per employee.