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					 EMPLOYEE
RELOCATION
  GUIDE
       for




     DTE 1
Full Buyout Option
       1-7-04
                                   TABLE OF CONTENTS


SUMMARY OF RELOCATION ASSISTANCE................................................ 1

INTRODUCTION ................................................................................................ 2
PURPOSE ................................................................................................................ 2
POLICY ................................................................................................................... 2
ELIGIBILITY FOR RELOCATION ASSISTANCE ........................................................... 2
RELOCATION COMPONENTS ................................................................................... 3
THE ROLE OF YOUR RELOCATION AMERICA ACCOUNT EXECUTIVE ...................... 3
FINDING A NEW HOME AND COMMUNITY .............................................. 4
HOMEFINDING ........................................................................................................ 4
HOMESALE PROGRAM ................................................................................... 5
SELLING YOUR PRESENT HOME ............................................................................. 5
HOMESALE PROGRAM ELIGIBILITY ........................................................................ 5
COMPETITIVE MARKETING COUNSELING ............................................................... 5
LISTING YOUR HOME FOR SALE ............................................................................ 6
THE APPRAISAL PROCESS AND THE GUARANTEED OFFER ...................................... 7
THE AMENDED VALUE SALE.................................................................................. 7
HOME EQUITY ADVANCE .............................................................................. 8
APPLICATION PROCEDURE FOR AN EQUITY ADVANCE ........................................... 8
DUPLICATE HOMEOWNING EXPENSES .................................................... 9
PROCEDURES FOR DOCUMENTS FOR DUAL MORTGAGE ASSISTANCE..................... 9
BUYING YOUR NEW HOME ............................................................................ 9
OBTAINING A NEW MORTGAGE ............................................................................. 9
REIMBURSABLE HOME PURCHASE EXPENSES ......................................................10
MORTGAGE FEES .................................................................................................10
HOMEOWNERSHIP COSTS .....................................................................................10
NEW HOME CONSTRUCTION ................................................................................11
RENTAL ASSISTANCE ...................................................................................11
LEASE TERMINATION ASSISTANCE.......................................................................11
APARTMENT SEARCH ...........................................................................................11
MOVING YOUR HOUSEHOLD GOODS .......................................................12
THE PROGRAM PROVIDES 5 MAIN AREAS OF ASSISTANCE...................................12
PETS .....................................................................................................................12
INSURANCE ..........................................................................................................13
CLAIMS ................................................................................................................13
AUTOMOBILES .....................................................................................................13
PICK-UP/DELIVERY .............................................................................................13
STORAGE..............................................................................................................14
THIRD PARTY SERVICES .......................................................................................14
MOVEMENT OF FAMILY ..............................................................................14
MISCELLANEOUS EXPENSE ALLOWANCE…………………………… 14
TEMPORARY LIVING EXPENSES ...............................................................15

EXPENSE REPORTING ..................................................................................16

INCOME TAX ALLOWANCE .........................................................................16


The following grid summarizes the relocation assistance provided by DTE through your
Relocation America, Account Executive. For complete details, see the corresponding sections
of this booklet. TO INSURE THAT YOU RECEIVE EXPENSE REIMBURSEMENTS
FOR ALL YOUR ELIGIBLE COSTS, IT IS IMPERATIVE THAT YOU CONTACT
YOUR RELOCATION AMERICA ACCOUNT EXECUTIVE BEFORE MAKING ANY
ARRANGEMENTS OR COMMITMENTS FOR REAL ESTATE-RELATED
RELOCATION SERVICES.




Your Account Executive, Karen Clapper-Smith, (877) 500-4466
                                                                            Direct (248) 208-2977
    SUMMARY OF RELOCATION ASSISTANCE – Full Buyout Option DTE1

            PROVISION                         COVERAGE                                  ELIGIBILITY

Home Search Assistance             Two home search trips; 5 days of              All employees and spouses and/or
                                   expenses. Trips to be coordinated thru        same-sex partners. Children’s
                                   your Account Executive.                       expenses not covered.
Home Sale Assistance               For primary residence only: (1)               Current homeowners who sell their
                                   Guaranteed Offer determined through           homes through the corporate Home
                                   Appraisal Process or (2) Amended Value        Sale Program.
                                   Sale for employee generated sale.
                                   Selling/closing costs covered. 90-day
                                   marketing period.
Home Equity Advance                90% of equity available for down              Current homeowners who buy in
                                   payment/closing on new home. Interest-        the new area and closing dates
                                   free for up to 90 days.                       cannot be coordinated.
Duplicate Homeowning               Property Taxes, Property Insurance,           Employees who for some reason
Expenses                           Mortgage Interest; 60 days maximum.           own two homes at same time.
Mortgage Assistance                National Mortgage Lending Program; Pre-       Employees who buy homes in the
                                   Qualification.                                new area.
New Home Purchase Expenses         Reimbursement of most closing costs and       Employees who buy homes in the
                                   some mortgage fees; loan discount points      new area.
                                   and MIP not covered.

Interim Trips Home                 6 Interim Trips home                          All employees who relocate.
Rental Assistance/Apartment        Assistance in finding rental facilities and   Employees who rent in the new
Search                             establishing lease language.                  location.
Household Move Expenses            Normal costs for moving furniture and         All employees who relocate.
                                   appliances (packing, unpacking, transport,
                                   insurance). Up to 30 days temporary
                                   storage, if required. One automobile may
                                   be shipped. No pets covered.
Miscellaneous Expense              1/12 of annual base salary. (i.e. meals,      All employees who relocate.
Allowance                          telephone, laundry, car rentals, movement
                                   of family, pet boarding, etc.)
Movement of Family                 Covered under MEA.                            All employees who relocate.
Temporary Living Expenses          60 days of lodging through your Account       Employees who begin working in
                                   Executive / direct bill. Other expenses       the new area before completing
                                   covered by MEA.                               household move.
Income Tax Allowance               Allowance for tax liability resulting from    All employees who relocate.
                                   relocation reimbursement.
            Under these provisions, DTE Energy will no longer reimburse the employee for incidentals. The employee
             will now be responsible to budget his or her allowance. The only reimbursable expenses will be home
             search trips, interim trips home, and new home purchase closing costs.
            All policies are designed to meet the benefits of Same Sex Partner Act.
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INTRODUCTION


Purpose

The purpose of this policy is to set forth the provisions governing the movement of you, your family,
and/or your same sex partner, and your household effects from origin to your new location.


Policy

DTE has contracted with RELOCATION AMERICA, to administer your relocation function. It is
imperative that you contact your Relocation America Account Executive before making any
arrangements for relocation services. This is especially true for any real estate services related to
either the sale of your existing home or purchasing a home at the destination site.

It is the Company's intent to provide assistance, not only for your personal needs, but also for the
financial needs precipitated by your relocation. Use of the provided services and assistance will help
you address a number of relocation-related issues, in addition to reducing time pressures and lessening
the number of distractions you may face during your move.

Please review the following provisions carefully. Take advantage of those which apply to you and
which will help you in your move. At the same time, we ask that you exercise care and judgment when
planning your relocation and when incurring relocation-related expenses.

Personal counseling is available to you through the services of your RELOCATION AMERICA
Account Executive, Karen Clapper-Smith. Prudent and early use of this critical resource will result in a
smooth and cost-effective relocation for you and for DTE.


Eligibility for Relocation Assistance

The Relocation Assistance described in this guide is designed for DTE employees who meet all the
following requirements:

   •     You are a full-time employee, who is asked to relocate as a result of a job transfer or re-
         assignment; and

   •     Your commute to your new job location from your present home is at least 50 miles greater than
         your current distance to work. This measurement is based on the most direct, commonly
         traveled route. For example, if the old distance to work is 3 miles, then the new distance from
         your present home to your new job location would have to exceed 53 miles in order for you to be
         eligible for benefits.

   •     Relocation is an approved and agreed condition of your new job. However, this policy does not
         constitute an employment agreement or a guarantee of continued employment.


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   •   You are newly hired as an employee and you have been approved for relocation benefits.

Please note that you must claim all relocation-related reimbursements within the first 12 months after
your effective date of transfer. If you have any questions about eligibility, or reimbursable expenses,
contact your RELOCATION AMERICA Account Executive, Karen Clapper-Smith.

TERMINATION OF EMPLOYMENT

Relocation is a very costly benefit for the Company. Because of this substantial cost, which is regarded
as an investment in the employee's future, a transfer of an employee is made with the expectation that
the employee will not voluntarily leave the Company after the transfer. Continued employment by the
Company after the transfer is, as always, based on performance and the needs of the business. Of
course, either you or the Company may terminate your employment at any time, with or without cause.
However, if you voluntarily leave DTE’s employment within twelve months from the effective date of
transfer, you agree to reimburse the Company 1/12 for each month of non-service. (You will be asked to
sign DTE’s Relocation Agreement that outlines this understanding. Once you return this form to
Relocation America, your relocation shall be initiated.


Relocation Components

The following "move" components are available to applicable transferring employees:

   •Area Counseling and Homefinding                •Rental Assistance
   •House Hunting Trips                            •Movement of Household Effects
   •Pre-move Counseling                            •Storage of Household Effects
   •Home Sale Assistance                           •Movement of Family **
   •Competitive Market Assistance                  •Interim Trips Home
   •Equity Advance                                 •Temporary Living Allowance **
   •Dual Mortgage Assistance                       •Incidental Allowance/MEA
   •Mortgage Assistance                            •Income Tax Allowance/Gross-up
   •Home Purchase Cost Assistance

** These expenses will be covered by your MEA – See Miscellaneous Expense Allowance section.

Certain components are extended only to transferees who are homeowners at the initiation of the
transfer. These will be explained further in the policy.


The Role of Your Relocation America Account Executive

The DTE Relocation Program is administered through RELOCATION AMERICA
(800-521-0508). All arrangements for payments or services relating to the Program will be handled by
Karen Clapper-Smith, hereinafter referred to as your Account Executive.

The most important part of the Account Executive function is to provide the personal and confidential
assistance of a professional relocation counselor. Private counseling is a particularly significant step in
finding the plan which will work best for you. Your Account Executive can help you determine exactly

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how the Relocation Program applies to your situation. You and your spouse or same-sex partner are
encouraged to contact your Account Executive to discuss any issues relating to your relocation.

The confidential discussions are intended solely to help you make more informed decisions about
working and living in the new location, and relocating your household with as little disruption as
possible.


FINDING A NEW HOME AND COMMUNITY

Selecting a new community and home is one of the most important personal decisions you will make as
a result of your job transfer. The HOMEFINDING Program has been designed to enable you and your
spouse or same-sex partner to visit the new community, and to become familiar with the neighborhoods
or area in which you would ideally consider living.

Your Account Executive will help you identify housing and community needs, and coordinate
arrangements with selected local real estate brokers or rental agents to assist you. They will also
monitor your progress and be available to answer any questions, or to offer further assistance.


Homefinding

In order to give you sufficient time for your homefinding, you will be reimbursed for two trips with a
total of five nights. The trips must be coordinated through your Account Executive.

Reimbursements cover reasonable and necessary HOMEFINDING expenses, according to normal
Company business travel guidelines, including:

      Round-trip, economy airfare;
      Car rental (mid-size car with unlimited mileage and self-refueling charges);
      Use of your personal car at current IRS mileage rate;
      Reasonable lodging expenses (excluding personal charges);
      Reasonable meal expenses (limited to $25.00 per day, per person);
      Telephone ($25.00 maximum for the trip);
      Miscellaneous expenses: tolls, parking, etc.

Your reimbursed expenses are offered expressly for the purpose of HOMEFINDING and community
familiarization for both you and your spouse or same-sex partner. Expenses for your other family
members (children, parents) are not provided for in this program.

In order to be reimbursed for HOMEFINDING expenses, you are required to complete a Relocation
Expense Report and supply applicable receipts and documentation to your Account Executive.

During your initial interview with your Account Executive, you will be offered mortgage pre-
qualification. It is suggested that you begin this process immediately to assist you in determining your
purchasing capabilities in the new location.
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If you are a current homeowner, it is suggested that you do not purchase in the new location until the
value of your current residence has been determined.



HOMESALE PROGRAM

There are many vital concerns surrounding the sale of your home: receiving the best possible price,
coordinating your homesale, and managing the funding of your equity. The homesale program provides
a comprehensive service which will help you work constructively to obtain the best price for your home.
To address these concerns and to simply relieve much of the burden of detail involved in your
relocation, your Account Executive will contact you, explain the homesale program to you step by step,
and work with you on all issues relating to the homesale program.


Selling Your Present Home

How does this program help you get the best price for your home? By offering you experienced support
as you manage each step of your home marketing and sale negotiation process. Working together with
your Account Executive, you will take advantage of the Competitive Market Counseling Program
(Home Marketing Assistance) which is designed to help you get your home placed on the market
(during your marketing period) in the most competitive way regarding price, condition, and exposure.

If you are unable to sell your home within the 90 day marketing period, plus any extensions you may
elect (as seen in the section entitled “Selling Your Present Home”), RELOCATION AMERICA will
purchase your home for an established appraised value.

Following are the different aspects of the Homesale Program explained in greater detail:


Homesale Program Eligibility

The Homesale Assistance plan applies to your principal residence only, which may be a one-family or
two-family dwelling or condominium. The following types of properties are not eligible for the
program:

   •   second homes, vacation homes, or any home which is used, in part, for non-residential purposes;
   •   mobile homes;
   •   a farm or a home with excessive acreage for its location;
   •   investment commercial properties;
   •   property with four or more rental units;
   •   any home in which you do not have a title interest in fee simple (unconditional ownership);
   •   vacant land.

Property located on, near, or containing toxic materials or gases, including radon gas, asbestos
(friable), lead paint, UFFI (Urea Formaldehyde Foam Insulation) or mold will need to be remedied at
your expense prior to closing on the sale of your home.

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Competitive Marketing Counseling

Before you put your home up for sale your Account Executive will work with you to develop a sound
marketing strategy.

The advice you will receive is designed to give your home a competitive edge as soon as it enters the
local real estate market. The home marketing assistance provided by your Account Executive will help
you achieve this.

The following criteria will be discussed with you:

   •   determining an attractive and reasonable asking price;
   •   reviewing any contemplated reconditioning projects in light of the net return to you;
   •   listing your home with the broker who will maximize your home's exposure through effective
       publicity and promotion;
   •   considering recommendations that can overcome anticipated buyer objections;
   •   updating and refining the marketing strategy for your home through weekly discussions with you
       and your broker;
   •   examining any and all offers to purchase your home - whether above or below the Appraised
       Value Offer.


Listing Your Home For Sale

RELOCATION AMERICA will offer you a choice of recommended real estate brokerage firms who are
relocation specialists. They will work with you on setting a "market driven" asking price and preparing
an acceptable marketing plan for your home. You will be required to market your home for at least
ninety (90) days with this firm. If you have not been presented with a bona fide offer during the first
thirty (30) days, RELOCATION AMERICA has been instructed to have an independent fee appraiser
value your home (see the following section, "The Valuation Process”).

A Guaranteed Sales Price shall be established based on the valuation process and an offer to purchase
your home will be submitted to you. At the end of an additional sixty (60) days of continued marketing,
you may request a thirty (30) day extension of the marketing/offer acceptance period. This request
should be made to your RELOCATION AMERICA Account Executive. It is imperative that you
include the following exclusion clause in your real estate listing contract.

   "This Listing Agreement is subject to the following provisions:

   It is understood and agreed that regardless of whether or not an offer is presented by a ready, willing
   and able buyer:

       1. No commission or compensation shall be earned by, or be due and payable to, broker until
          the sale of the property has been consummated between seller and buyer, the deed delivered
          to the buyer and the purchase price delivered to the seller; and

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       2. The sellers reserve the right to sell the property to RELOCATION AMERICA (a "Named
          Prospective Purchaser") at any time. Upon execution by a Named Prospective Purchaser and


       me (us) of an Agreement of Sale with respect to the property, this listing agreement shall
       immediately terminate without obligation on my (our) part or on the part of any Named
       Prospective Purchaser to either pay a commission or to continue this listing."

The purpose of the exclusion clause is to enable you to cancel your listing and sell the property to
RELOCATION AMERICA at any time, even when a sale that is acceptable to you has been generated.
(See section on “The Amended Value Sale.”)

Under DTE Energy’s Homesale Program, the company will pay the real estate commission directly.
The real estate commission will not be reimbursed to you. When the sale of your home is properly
processed through RELOCATION AMERICA, RELOCATION AMERICA can pay the broker’s
commission and closing costs with no tax consequence to either you or DTE. Your ability to cancel
your listing contract with no obligations to pay the broker’s commission is a vital part of this process.


The Valuation Process and the Guaranteed Offer

RELOCATION AMERICA guarantees you the eventual sale of your home at a price determined by
professional real estate brokers and appraisers (the "Guaranteed Offer"). You will select a broker and an
independent appraiser from a list provided by your Account Executive (you may recommend a broker or
appraiser for consideration). They will visit your home and will submit a report to your Account
Executive indicating your home's estimated current market value.

Your Guaranteed Offer is established by averaging the two values. If the lower value varies by more
that 5% of the higher value, an appraiser will perform a third valuation. In this event, your Guaranteed
Offer will equal the average of the two higher values.

Once the valuations have been completed and reviewed by your Account Executive, you will receive a
Guaranteed Offer to buy your home. The Guaranteed Offer is valid for 60 days after it is conveyed to
you. During this period, you may try to improve upon the Guaranteed Offer Price in the marketplace,
with the continued marketing assistance and advice of your Account Executive. If you do not find a
buyer at a higher price during the offer period, RELOCATION AMERICA will purchase your home at
the current market value as established by your Guaranteed Offer Price.


The Amended Value Sale

Having worked with your Account Executive on home marketing strategy and home conditioning, you
may be successful in identifying a potential buyer during your marketing period. If you do receive an
offer, call your Account Executive immediately. In order to negotiate the sale to your maximum
benefit, and to assure that the terms of the sale are consistent with the contract between DTE and

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RELOCATION AMERICA, do not accept an offer, deposit, or down payment, or sign any
agreement with the potential buyer.

Once you give your Account Executive the complete details of the offer, she will contact your broker to
discuss the transaction. Your Account Executive will assure that the buyer is "bona fide". When that is
accomplished, and it is confirmed that the sale price will give you a greater net cash return than the
Guaranteed Offer Price, your Account Executive will authorize you to amend your original contract


from RELOCATION AMERICA to show the new price - the "Amended Value Price". You should then
sign the contract with RELOCATION AMERICA and return it to your Account Executive. Under no
circumstances should you sign a contract with the potential buyer.

RELOCATION AMERICA will make every effort to then consummate the sale with the buyer and will
also pay the broker's commission based on the Amended Value Price when the sale closes. If the sale
fails to close for any reason, you are still guaranteed your equity based on the Amended Value Price.



HOME EQUITY ADVANCE

A Home Equity Advance is available through your Account Executive for the purpose of securing
mortgages on a new home prior to the sale of your present home. The advance is due upon the sale of
your current residence to RELOCATION AMERICA.

The formula for computing the equity advance is as follows:

   Fair Market Value of home as set by the Guaranteed Buyout Offer (or actual offer accepted), less all
   incumbrances (mortgage, back taxes, interest arrears, etc.) times ninety percent (90%). Closing costs
   reimbursed by the Company are not to be considered an incumbrance.

Application Procedure for an Equity Advance

The following documents must be presented and the following procedures strictly adhered to in applying
for an equity advance. Checks will not be issued until all of the following have been satisfied:

   a) A signed "Employee Relocation Agreement" must be on file in the DTE Human Resources
      Office.

   b) A contracted offer to purchase employee's home, or the completed Guaranteed Buyout Offer
      must be in place and signed.

   c) A written certification from the employee's mortgagor(s) or deed holder(s) must be received
      certifying to the present balance owing on the property.

   d) A written certification from the employee noting any liens (or no liens) against the property other
      than primary mortgages, deed or land contracts. Such liens might include back taxes or home


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       improvements using the property as collateral. To expedite matters, this data can be included in
       the employee request letter.


DUPLICATE HOMEOWNING EXPENSES

Your Account Executive will work with you to help plan for a timely transition from your old home to
your new home so that you can avoid facing duplicate housing costs. In the event you need to close on
your new home prior to the sale and closing of your current home, the Company will cover certain costs


involved with maintaining your old home, for up to 60 days. Reimbursement is provided for the
following expenses:

   •   Prorated Taxes
   •   Property Insurance
   •   Mortgage Interest only


Procedures for Documents for Dual Mortgage Assistance

The following documents must be received by your Account Executive before processing dual mortgage
assistance payments.

   1) A written official certification (other than employee's) of the monthly principal and interest
      amounts paid on your old home.

   2) A written official certification (other than employee's) of the monthly taxes and insurance
      premiums paid on your old home.

Your Account Executive will compute the total dual assistance payment to be made and the date it is to
be paid and will advise you accordingly. You will then submit an expense report through your Account
Executive to collect for the dual payment.


BUYING YOUR NEW HOME

If you are a homeowner at the time of your initiation into the relocation program, the Company will
provide assistance with certain home buying expenses. These expenses must occur within one year of
the effective date of transfer.


Obtaining a New Mortgage
During your initial conversation with your Account Executive, the information necessary for the
mortgage application will be discussed. It is suggested that you begin the pre-qualification process prior
to your homefinding trip.



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While you can shop for any mortgage services which satisfy your particular standards, your Account
Executive will direct you to a mortgage lender specializing in employee relocation. They will explain
the different program features and will help you define the type of mortgage product which will suit your
needs in the new location.
The special program features include:

   •   telephone mortgage pre-qualification and counseling;
   •   acceptance of a portion of your partner's income at your old location for qualification;
   •   rate commitment options (such as: "rate-lock", "flow-with-market", or "rate cap", protection);
   •   streamlined processing;
   •   quick commitment.


Reimbursable Home Purchase Expenses

The Company will reimburse for all normal and reasonable home purchase costs normally paid by the
buyer. Your Account Executive will review the "good faith estimate" of closing expenses, which will be
supplied to you by your attorney, lender, or real estate agent and will advise of the expenses that will be
reimbursed. You must supply your Account Executive with a final copy of your closing statement
detailing all expenses paid by you as purchaser, and your Account Executive will reimburse you all
agreed upon expenses.

Reimbursable home purchase expenses may include:

   •   Legal fees                                        •   Abstract fees
   •   Title search                                      •   Recording fees
   •   Transfer taxes - state and local                  •   Notary fees
   •   Survey fees                                       •   Owner's or mortgagee's title insurance
   •   Credit report                                     •   Termite inspection if required by lender
   •   Appraisal fees


Mortgage Fees

   Many lenders charge a range of "up-front" fees. Depending on the region you are moving to, and the
   practices of your lender, you may encounter costs with many different names and purposes, for
   example: mortgage placement fees, lender's service charges, application fees and origination fees.
   Such fees are reimbursable to you. You will not be reimbursed for discount points, paid to lender,
   to lower the interest rate on your mortgage.


Homeownership Costs

Certain costs are normally incurred in the home purchase transaction, and are considered a part of
normal homeownership. These costs are not reimbursed by the program. Expenses you may anticipate
include, but are not limited to, the following:

   •   Prepaid real estate taxes
   •   Prepaid mortgage interest
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   •   Utility fees
   •   Property insurance
   •   Mortgage Insurance Premium (MIP)
   •   Homeowner's association fees
   •   Down Payment




New Home Construction

New construction can often mean unanticipated additional costs and potential delays resulting in late
occupancy. If you are planning on building a home in the new area, please be aware that the program
provides for the basic home purchase expenses. Expenses incurred due to construction set-backs or
cost-overruns are not covered in this program.


RENTAL ASSISTANCE


Lease Termination Assistance

If you need to terminate your lease or rental agreement on your principal residence, the Company
provides reimbursement for reasonable lease termination charges. This provision applies to loss of
deposit or cancellation penalties.

Before taking advantage of this benefit, discuss your situation with your Account Executive. She will
assist you in negotiating lease termination provisions and charges. Also, your personal situation should
be discussed with management so that a determination can be made as to whether reporting dates can be
adjusted to avoid a lease termination charge.

In order to receive reimbursements, you are required to complete an Expense Report with applicable
receipts and documentation and submit to your Account Executive for payment.


Apartment Search

If you wish to rent in the new location, the program provides assistance in helping you find a rental
residence. The service, offered through your Account Executive, includes community orientation,
family needs assessment, and review of your available rental housing options. Your Account Executive
will review the provisions of your lease and work with you to establish an acceptable “transfer clause”
which will enable you to cancel your lease if your Company should transfer you again.


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MOVING YOUR HOUSEHOLD GOODS

The Relocation Program provides comprehensive services to manage all the details of relocating your
household goods. As soon as you are ready to make moving arrangements, contact your Account
Executive. She will contact an approved carrier to authorize the booking agent to contact you. They
will arrange to survey your goods, and arrange for packing dates, loading dates, and unloading dates.




The Program Provides 5 Main Areas of Assistance

   1) Packing: preparation (boxing, crating, wrapping) of your belongings for a safe move, including
      disconnection of appliances;

   2) Moving: loading and transporting your belongings to the new location;

   3) Set-Up: a one-time arrangement of the larger items, such as living room and bedroom furniture;

   4) Unpacking: unpacking of boxes in the appropriate rooms and the hook-up of refrigerator, ice
      maker, washer, dryer, and stove;

   5) Storage: safekeeping of your possessions in a storage facility in the new area for up to 30 days.
      Storage exceeding 30 days will be billed directly to you.

       While the program provides for the transportation of most normal and customary personal
       belongings and household contents, some items are not covered by this program, such as:

       •   fresh or frozen foods;
       •   combustible items (paint, gasoline, propane canisters, explosives, firewood);
       •   toxic substances;
       •   recreational vehicles (airplanes, trailers);
          Boats and sailboats greater than 14 feet in length;
       •   building materials (stone, cement, brick, lumber);
       •   landscaping items (shrubs, fertilizer);
       •   household plants;
       •   major power tools (weight-limited);
       •   livestock (horses, etc.)
       •   swimming pools;
       •   sheds, greenhouses, saunas, hot tubs;
       •   dismantling of pools and swing sets;
       •   refrigerated trucking for wine or other such collections;
       •   firearms/ammunition.


Pets
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Covered under your MEA section.


Insurance

If damage occurs to your household goods during transportation and/or storage, you are insured for the
replacement value of your household goods up to $75,000. You must pre-designate your possessions of
special value (e.g., antiques, original art work) along with the corresponding appraised value of each
item prior to your actual move date. Discussion regarding these items with your Account Executive will
ensure that these items will be insured.



You may be required to pay for insurance for extraordinary items above and beyond a reasonable cost.

Coverage on stored goods is limited to 30 days and must be in the care, custody, and control of the
original moving company. Requests for extensions of coverage should be directed to the Account
Executive prior to the 30 day time limit.

If you are concerned about moving any valuable items, please note that certain items are usually
excluded by such insurance, for example:

   •   precious stones and jewelry;
   •   coin and stamp collections;
   •   personal or financial documents;
   •   money, notes, securities.

These items should be forwarded to a safe deposit box at your new location or taken with you.


Claims

If you do need to make an insurance claim, please notify your Account Executive immediately.


Automobiles

The Company will reimburse you for mileage expenses, at the current IRS rate, for up to two
automobiles or the Company will pay the expense of shipping one automobile, and the mileage expense
for a second automobile.


Pick-Up/Delivery

This program provides for one pick-up from a single site, and one delivery to a single site. One extra
delivery of personal clothing and car to temporary living quarters is authorized for employees moving in


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advance of their family to a temporary apartment. Any household goods or personal belongings needed
at your temporary living quarters should be clearly identified prior to the packing of your shipment.


Storage

Maximum storage covered by the policy is 30 days. Storage of goods longer than 30 days will be billed
direct to you. If you need access to your goods in storage, all associated costs related to access are your
responsibility.




Third Party Services

Third party services are special services that an outside company can best provide, such as grandfather
clocks or pool tables which should be disassembled and reassembled by experts. This policy authorizes
third party services for the following items:

1) Appliance Service -     Disconnect and prepare for transportation certain major appliances.
                           Normal reconnect at destination.

2) Ice Maker -             Disconnect and reconnect to existing line.

3) Waterbed -              Disassemble and reassemble.

4) Grandfather Clock -     Service at origin and destination.

5) Pool Table -            Disassemble, crate and reassemble.

Any other third party services are not authorized. You may utilize your incidental allowance for
additional services required.


MOVEMENT OF FAMILY
Normally, the employee and family will move together and will transport themselves by automobile.
Where employees must report for work in advance of their families, they should drive one auto, since
rental cars will not normally be included at the new locale. If employee and family must arrive in
separate trips, this expense will be covered in your MEA.

Movement of Family expenses are tax deductible for the employee (except meal expense) and therefore
will not be included in the tax gross-up calculation.


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Covered under your MEA section.



MISCELLANEOUS EXPENSE ALLOWANCE

A miscellaneous expense allowance will be paid to the transferring employee in an amount equal to but
not exceeding one month’s base salary. This expense reimbursement only applies to employees who
currently have fully furnished apartments or homes and who establish themselves on a similar basis at
the new location.




Most relocating employees typically use this allowance to cover items such as the following:
   Temporary living incidentals:
            Meals
            Telephone
            Laundry
            Miscellaneous
   Car rentals
   Movement of family
   Painting and interior decoration;
   Drapes and carpeting;
   Cleaning and trash removal;
   Landscaping and yard cleanup;
   New driver's license and registration;
   New appliance delivery, setup, and service contracts;
   Pet boarding;
   Telephone installation;
   TV and cable hookups;
   Non-refundable annual club dues or subscriptions.

   The allowance may be used at your discretion. Once you have started your new assignment and
   have signed and returned your letter of agreement to Relocation America, you may request this
   allowance. You do not need to document expenses, simply complete the section of your
   Relocation Expense Report for this allowance; and submit it to Relocation America.


   TEMPORARY LIVING EXPENSES

Lodging: Whenever possible, the Account Executive will make your reservations for your housing
needs from which the Company receives a negotiated or commercially discounted rate. In most
instances, lodging (room and tax) is direct-billed, thus, you will not incur this expense. Direct billing
of non-negotiated lodging requires pre-approval.
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Interim trips or transportation: A maximum of six (6) trips during your temporary stay will be
allowed.
     Round trip, economy airfare;
     Car rental (mid-size car with unlimited mileage and self-refueling charges);
     Use of your personal car at the current IRS mileage rate.

The following are covered under your MEA section.

      Meals
      Telephone
      Car Rental
      Laundry



EXPENSE REPORTING

All out-of-pocket expenses incurred by you which are not part of your MEA are to be itemized and
supported by receipts and/or documents and submitted to your Account Executive utilizing the
Relocation Expense Reports provided in your Relocation Package. The only expenses that are
reimbursable are Home Search and Interim Trips Home. Expense reports are to be submitted to:

                    Ms. Karen Clapper-Smith
                    Account Executive
                    RELOCATION AMERICA
                    25800 Northwestern Hwy.
                    Suite 210
                    Southfield, Michigan 48075

You must claim all expenses within the 12 month period after your transfer date.


INCOME TAX ALLOWANCE

The Internal Revenue Service (IRS) considers reimbursements of, and allowances for, moving expenses
as compensation to the transferred employee. These reimbursements and/or allowances are subject to
federal, state and local income taxes as well as social security taxes. Accordingly, such relocation
expenses will be reported on an annual W-2 statement of earnings.

In order to offset some of the tax impact created by this additional income, you will be provided with an
income tax allowance, or “gross up”, if you are actively employed by DTE at year end. The allowance
will be based on an estimate of the additional federal state and local income taxes you are subject to pay.
 This policy does not include absorbing the base employee portion of FICA taxes that would ordinarily
be borne by the employee’s standard wages. Accordingly, DTE excludes the consideration of base
FICA taxes when the gross-u calculations are performed. The income tax allowance includes an amount
to offset the tax liability created by the gross-up itself (i.e., a gross-up on the gross-up).


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For the reimbursement of certain expenses you are allowed to take a corresponding deduction on your
personal tax return, so that no gross-up is required.

The following deductible expenses are not subject to gross-up:

   1) Transportation of household goods, including
       packing,
       unpacking and
       insurance.
   2) In transit storage of household goods for a maximum of 30 days.
   3) Lodging and transportation for the employee and members of the employee’s immediate
      household to move to the new work location.




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