Retiree Association News features articles on:

• Keeping Your Brain Healthy
• Denver Keebler Association of Retired Employees
• Benefits Resources

Keeping Your Brain Healthy

Ever completed a Sudoku puzzle? Leading neurological experts say keeping your brain healthy through mental exercise is as vital as taking care of the rest of your body. Other steps include getting sufficient sleep at night and monitoring your diet.

"Eating foods that contain DHA omega-3 is crucial to building and maintaining a healthy brain," says Dr. David Perlmutter, a boardcertified neurologist and leader in the field of nutritional influences on neurological disorders. "DHA supports nerve cell function and is important for your brain like calcium is important for your bones."

Now, Kellogg is introducing new Live Bright® Bars, with 100 mg of DHA omega-3 – which has five times more DHA (docosahexaenoic acid) than most Americans consume each day.

The bars are made with a vegetarian source of DHA oomega-3 that is produced under well-controlled conditions and that does not have the risk of mercury contamination associated with some types of fish. Find out more at www.LiveBright.com.

Available in Dark Chocolate Vanilla and Double Chocolate, the portable snack bars became available in October in the health-supplements aisle of grocery stores in Atlanta, Cincinnati, Detroit and Houston. They are also available at www.Amazon.com.

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If You Have Questions on Your Savings, Pensions Plan Funds

Many people are questioning the security of their pensions and retirements savings after the recent downturn of America's stock market and economy. Kellogg employees and retirees are no exception.

Here are two commonly posed questions to the Kellogg People Services Center (PSC) - with answers straight from those who manage our company's financial benefits:

Q: With all the troubling news that I'm hearing about the state of our economy, should I be concerned about my Kellogg S&I Plan?

A: While the assets in the plan are subject to the volatile market forces, by law the existence of the Kellogg's S&I Plan and its trust are protected by the U.S. Employee Retirement Income Security Act (ERISA). Under this law, all plan assets are held in a trust and can be used only for the benefit of participants in the plan. The trust pays all benefits in accordance with the terms of the plan. Plan assets held in the trust are secured from access by any creditors or other financial obligations of the company.

Q: What about my Kellogg Pension Plan benefits? Are they also covered by ERISA?

A:Yes, our Pension Plan is covered by ERISA as well. And just like with our S&I Plan accounts, all Pension Plan assets are held in a trust and can be used only for the benefit of participants in the plan. The trust pays all benefits in accordance with the terms of the plan. Plan assets held in the trust are secured from access by any creditors or other financial obligations of the company.

In addition, Pension Plan benefits are insured by the Pension Benefit Guaranty Corp. (PBGC), a federal insurance agency.

More information about the PBGC can be found in your Summary Plan Description. More questions? You can contact the PSC at 877-454-7287 or e-mail People.Services@Kellogg.com

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