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Self-Insurance
 12 Months Ended
Jan. 29, 2022
Self Insurance [Abstract]  
Self-Insurance
NOTE 7: SELF-INSURANCE
Our self-insurance reserves are summarized as follows:
January 29, 2022January 30, 2021
Workers’ compensation$77 $74 
Employee health and welfare28 25 
Other liability20 15 
Total self-insurance reserve$125 $114 
We are self-insured for the majority of our workers’ compensation programs, employee health and welfare coverage and other liability.
Our workers’ compensation policies have a retention per claim of $1 or less and no policy limits. Approximately 25% of our workers’ compensation obligations are payable within one year. In connection with our workers’ compensation programs, we have standby letters of credit issued on our behalf with $13 available and $2 outstanding as of January 29, 2022. These letters of credit are not reflected in our Consolidated Balance Sheets.
Our employee health and welfare programs do not use stop-loss coverage and participants contribute to the cost of their coverage through premiums and out-of-pocket expenses for deductibles, co-pays and co-insurance.
Other liability primarily includes commercial general liability obligations. Our commercial general liability policy, with a limit up to $101, has a retention per claim of $3 or less. Approximately 75% of our other liability reserve obligations are payable within one year. Beginning in 2021, we no longer carry an employment practices liability policy.