SELF-INSURANCE

Our self-insurance reserves are summarized as follows:



	February 2, 2013		January 28, 2012
Workers' compensation		$63		$53
Employee health and welfare	23		19
General liability	16		14
Total		$102		$86

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 $30 and $150, respectively.