NOTE 5: SELF-INSURANCE

Our self-insurance reserves are summarized as follows:


	January 28, 2012		January 29, 2011
Workers' compensation		$53		$50
Employee health and welfare		19		18
General liability		14		11
Total		$86		$79

Our workers' compensation policies have a retention per claim of $1 or less and no policy limits.

We are self-insured for the majority of our employee health and welfare coverage, and we do not use stop-loss coverage. Participants contribute to the cost of their coverage through both premiums and out-of-pocket expenses and are subject to certain plan limits and deductibles.

Our general liability policies, encompassing employment practices liability and commercial general liability, have a retention per claim of $3 or less and a policy limit up to $25 and $150, respectively.