Self Insurance
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12 Months Ended | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Jan. 28, 2012
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Self Insurance [Abstract] | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
Self Insurance | NOTE 5: SELF-INSURANCE Our self-insurance reserves are summarized as follows:
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. |