Let's say Bob wants to offer an insurance package to his employees that will cover any outpatient surgery charges, tooth sealants, and glasses. His total annual cost for providing these insurance plans will be $ per employee for the year. Let's assume that Schmidt wants to cover his employees' expenses in case of disability. He also wants to ensure that the family of an employee is provided for in the event of an employee's loss of life. The total annual cost for providing these insurance plans will be $ per employee.