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Application Number 


09876311 


IKimDH ATlAkl niC^I Aniinr 

INFORMATION DISCLOSURE 
STATEMENT BY APPLICANT 

( Not for submission under 37 CFR 1.99) 


Filing Date 


2001-06-07 


First Named Inventor Maurice Ronan GOODMAN et al 


Art Unit 


3695 


Examiner Name M. Gottschalk 




Attorney Docket Number 


7802-A08-002 

















U.S. PATENTS 






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U.S.PATENT APPLICATION PUBLICATIONS 




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NON-PATENT LITERATURE DOCUMENTS 




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Include name of the author (in CAPITAL LETTERS), title of the article (when appropriate), title of the item 
(book, magazine, journal, serial, symposium, catalog, etc), date, pages(s), volume-issue number(s), 
publisher, city and/or country where published. 


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ALL REFERENCES CONSIDERED EXCEPT WHERE LINED THROUGH. /M.G./ 





Application Number 


09876311 


INFORMATION DISCLOSURE 
STATEMENT BY APPLICANT 

( Not for submission under 37 CFR 1.99) 


Filing Date 


2001-06-07 


First Named Inventor Maurice Ronan GOODMAN et al 


Art Unit 3695 


Examiner Name M. Gottschalk 




Attorney Docket Number 


7802-A08-002 





1 


Rintelman, Mary Jane, "Choice and cost-savings", Credit Union Management, Vol. 19, No. 7, pp. 48, 50. July 1996 


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2 


Woodard, Kathy, "stay healthy for real fun - and profit", Business First Columbus, Vol. 12, No. 19, S.1, p. 13. Jan. 1996 


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3 


Spencer, Peter L, "New plan cuts health car costs in half {advantage of health care plan with high deductible)", 
Consumers' Research Magazine, Vol. 76, No. 10, pp. 16. Oct. 1993 


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4 


Communuity Hearth Health Programs: Components, Ratio: John P. Elder, Thomas L. Schmid, Phyillis Dower and 
Sonja Hedlund; Journal of Public Health Policy; Palgrave Macmillian; 1993 winter; pages 463-479 


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5 


Ferling ("New plans, New policies," Ferling, Rhona. Best's Review; Apr. 1993 pg. 78) 


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6 


"Plan Highlights for El Paso ISD" Salary Protection Insurance Plan, web-site - http://w3.unumprovident.com/enroll/ 
elpasoisd/your_plan.htm, March 3, 2008 


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7 


Consumer-Driven Health Plans Catch on as Myths Fall by Wayside (4 September). PR Newswire, 1. 


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Art Technology Group; Discovery Holdings to exploit online interest in healthcare and life assurance with ATG 
commerce functionality; Revenue potential significant as 70% of Discovery members access the internet. (28 Oct). M2 
Presswire, 1 . 


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"Absenteeism Control"; Cole, Thomas C. et al; Management Decision; London: 1992. Vol 20, Iss. 2; pg. 12 (AC) 


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Saleem, Haneefa: "Health Spending Accounts"; December 19, 2003; posted online at http://www.bls.gov/opub/cwc/ 
print/cm2003 1 022ar0 1 p1 .htm 


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11 


lnsure.com; "The lowdown on life insurance medical exams"; June 28, 2006; Imaged from the Internet Archive 
Waybackmachine on May 10, 2006 at http://web.archive.Org/web/20060628231712/http://articles.moneycentral.msn. 
com/Insurance/I nsureyourlife/thelowdownonlifeinsurancwemedicalexams.aspx 


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EFsw.bz1.17 ALL REFERENCES CONSIDERED EXCEPT WHERE LINED THROUGH. /M.G./ 





Application Number 


09876311 


INFORMATION DISCLOSURE 
STATEMENT BY APPLICANT 

( Not for submission under 37 CFR 1.99) 


Filing Date 


2001-06-07 


First Named Inventor Maurice Ronan GOODMAN et al 


Art Unit 3695 


Examiner Name M. Gottschalk 




Attorney Docket Number 


7802-A08-002 



definition of insurance, New Penguin Business Dictionary, Retreieved October 26, 2008 from http://www. 
credoreference.com/entry/6892512/ 



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EXAMINER SIGNATURE 

Examiner Signature | /Martin GottSChalk/ | Date Considered | 12/17/2010 

*EXAMINER: Initial if reference considered, whether or not citation is in conformance with MPEP 609. Draw line through a 
citation if not in conformance and not considered. Include copy of this form with next communication to applicant. 



1 See Kind Codes of USPTO Patent Documents at www.USPTO.GOV or MPEP 901 .04. 2 Enter office that issued the document, by the two-letter code (WIPO 
Standard ST.3). 3 For Japanese patent documents, the indication of the year of the reign of the Emperor must precede the serial number of the patent document. 
4 Kind of document by the appropriate symbols as indicated on the document under WIPO Standard ST.16 if possible. 5 Applicant is to place a check mark here if 
English language translation is attached. 



EFS Web 2.1.17 



ALL REFERENCES CONSIDERED EXCEPT WHERE LINED THROUGH. /M.G./