Your organization, located in Ontario, will be enhancing the group benefits plan offered to employees in two months by adding accidental death and dismemberment (AD&D) coverage and dental coverage. The organization will pay 50% of the cost of the AD&D premiums and 50% of the cost of the dental premiums, with the employees paying the other 50% of each premium. The Manager of Finance, Brian Stewart, has requested that you, as the Payroll Supervisor, prepare a communication for the employees, explaining how these new benefits will impact their net pay.