NOTE 4: SELF-INSURANCE

Our self-insurance reserves are summarized as follows:



	February 3, 2018		January 28, 2017
Workers’ compensation		$71		$69
Employee health and welfare	26		29
Other liability	18		16
Total self-insurance reserve		$115		$114

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 premiums and out-of-pocket expenses for deductibles, co-pays and co-insurance.

Our liability policies, encompassing an employment practices liability, with a policy limit up to $30, and a commercial general liability, with a policy limit up to $151, have a retention per claim of $3 or less.