Insurance - HL 132 (1)

From: Delta-HRInformation@deldalsun001b.acs-inc.com

Date: 6/19/2012 12:57:32 AM

Subject: Summary Annual Report

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To: Eligible Plan Participants

From: Rob Kight

Date: June 19, 2012

Subject: Summary Annual Report

The Employee Retirement Income Security Act of 1974 (ERISA) requires that certain information be provided to government agencies. Among other things, the Annual Report for each Plan must be filed with the Internal Revenue Service. A summary of that report, called a Summary Annual Report must be furnished to each participant of the Plan. Summary Annual Reports deal primarily with financial aspects of the Plan.

Attached are the Summary Annual Reports for the Plan year of July 1, 2010 to June 30, 2011 for the following plans:

• Delta Pilots Disability & Survivorship Plan
• Delta Pilots Medical Plan
• Delta Family-Care Medical Plan
• Delta Account-Based Healthcare Plan

You are being provided this Summary Annual Report because you are an eligible Plan participant in one or more of the plans listed above. We hope that these reports will provide you a better understanding of the financial aspects of these valuable benefit Plans. If you have questions about these reports or would like to request a copy of the full report, please contact the Employee Service Center at 1-800-MYDELTA between 8 AM and 5 PM Eastern time.

Sincerely,

Rob Kight

Vice President - Global HR Services & Labor Relations

You can now choose to receive certain company correspondence electronically. To find out more information, please log into Employee Self Service and elect to Go Paperless.

Summary Annual Report

The Delta Pilots Disability and Survivorship Plan

This is a summary of the annual report for the Delta Pilots Disability and Survivorship Plan (the "Plan") (Employer Identification Number 58-0218548, Plan No. 504) for the period of July 1, 2010 to June 30, 2011. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Delta Air Lines, Inc. has committed itself to pay certain vacation, sick, disability and survivorship claims incurred under the terms of the Plan.

Insurance Information

The Plan has a contract with MetLife Insurance Company to pay all basic life insurance claims incurred under the terms of the Plan. The total premiums paid for the policy year beginning January 1, 2010 and ending December 31, 2010 were $5,156,922.

Basic Financial Statement

The value of the Plan assets, after subtracting liabilities of the Plan, was $1,101,273,882 as of June 30, 2011, compared to $981,952,212 as of July 1, 2010. During the Plan year, the Plan experienced an increase in its net assets of $119,321,670. This increase included unrealized appreciation or depreciation in the value of the Plan's assets; that is, the difference between the value of the Plan's assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. During the Plan year, the Plan had total income of $313,232,882 including employer contributions of $79,555,333, employee contributions of $12,758, gains from investments of $174,591,299, and realized gains of $59,073,492 from the sale of assets. Plan expenses were $193,911,212. These expenses included $2,944,123 in administrative expenses, and $190,967,089 in benefits paid to participants and beneficiaries and payments to insurance carriers.

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:

• An accountant's report
• Assets held for investment
• Transactions in excess of 5% of plan assets
• Insurance information, including sales commissions paid by insurance carriers
• Financial information and information on payments to service providers
• Loans or other obligations in default or classified as uncollectible
• Information regarding any common or collective trusts, pooled separate accounts, master trusts, or 103-12 investment entities in which the plan participates

To obtain a copy of the full annual report, or any part thereof, write or call the Plan Administrator, Health and Welfare Benefits, Delta Employee Service Center, Post Office Box 52045, Phoenix, AZ 85072. The telephone number is 1-800-MY-DELTA. A copy will be provided at no charge.

You also have the right to receive from the Plan Administrator, on request and at no charge, a statement of the assets and liabilities of the Plan and accompanying notes, or a statement of income and expenses of the Plan and accompanying notes, or both. If you request a copy of the full annual report from the Plan Administrator, these two statements and accompanying notes will be included as part of that report.

You also have the legally protected right to examine the annual report at the main office of the Plan, Delta Air Lines, Inc., Human Resources, 1030 Delta Boulevard, Atlanta, GA 30354, and at the U.S. Department of Labor in Washington, D.C. or to obtain a copy from the U.S. Department of Labor upon payment of copying costs.

Requests to the Department of Labor should be addressed to:

Public Disclosure Room, N1513

Employee Benefits Security Administration

U.S. Department of Labor

200 Constitution Avenue, N.W.

Washington, DC 20210

Summary Annual Report

The Delta Pilots Medical Plan

This is a summary of the annual report of the Delta Pilots Medical Plan (the "Plan") (Employer Identification Number 58-0218548, Plan No. 503) for the period of July 1, 2010 to June 30, 2011. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Delta Air Lines, Inc. has committed itself to pay all medical, prescription drug and dental claims incurred under the terms of the Plan.

Basic Financial Statement

The value of the Plan assets, after subtracting liabilities of the Plan, was $3,829,223 as of June 30, 2011, compared to $1,096,548 as of July 1, 2010. During the Plan year, the Plan experienced an increase in its net assets of $2,732,675. During the Plan year, the Plan had total income of $41,448,427 including employer contributions of $26,923,519, employee contributions of $14,519,530, realized gain of $26 from the sales of assets, and earnings from investments of $5,352. Plan expenses were $38,715,752. These expenses included $1,266,092 in administrative expenses and $37,449,660 in benefits paid to participants and beneficiaries.

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report.

• An accountant's report
• Assets held for investment
• Transactions in excess of 5% of plan assets
• Financial information and information on payments to service providers

To obtain a copy of the full annual report, or any part thereof, write or call the Plan Administrator, Health and Welfare Benefits, Delta Employee Service Center, Post Office Box 52045, Phoenix, AZ 85072. The telephone number is 1-800-MY-DELTA. A copy will be provided at no charge.

You also have the right to receive from the Plan Administrator, on request and at no charge, a statement of the assets and liabilities of the Plan and accompanying notes, or a statement of income and expenses of the Plan and accompanying notes, or both. If you request a copy of the full annual report from the Plan Administrator, these two statements and accompanying notes will be included as part of that report.

You also have the legally protected right to examine the annual report at the main office of the Plan, Delta Air Lines, Inc., Human Resources, 1030 Delta Boulevard, Atlanta, GA 30354, and at the U.S. Department of Labor in Washington, D.C. or to obtain a copy from the U.S. Department of Labor upon payment of copying costs.

Requests to the Department of Labor should be addressed to:

Public Disclosure Room, N1513

Employee Benefits Security Administration

U.S. Department of Labor

200 Constitution Avenue, N.W.

Washington, DC 20210

Summary Annual Report

The Delta Family-Care Medical Plan

This is a summary of the annual report of the Delta Family-Care Medical Plan (the "Plan") (Employer Identification Number 58-0218548, Plan No. 501) for the period of July 1, 2010 to June 30, 2011. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Delta Air Lines, Inc. has committed itself to pay certain medical, prescription drug and dental claims incurred under the terms of the Plan.

Insurance Information

The Plan has contracts with the following insurance carriers to pay certain medical, prescription drug and dental claims incurred under the terms of the Plan: Blue Cross Blue Shield of Hawaii, Cigna Dental Health, and Humana Health Plans of Puerto Rico Inc. The total "non-experience rated" contract premiums paid for the policy year beginning January 1, 2010 and ending December 31, 2010 were $413,354.

Because the contract with Humana Health Plans of Puerto Rico Inc. is a so-called "experience-rated" contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the policy year ended December 31, 2010, the premiums paid under this experience-rated contract were $43,976 and the total of all benefit claims paid under this "experience-rated" contract during the year was $36,701.

Basic Financial Statement

The value of the Plan assets, after subtracting the liabilities of the Plan, was ($9,658,040) as of June 30, 2011, compared to ($3,384,819) as of July 1, 2010. During the Plan year, the Plan experienced a decrease in its net assets of $6,273,221. During the Plan year, the Plan had a total income of $74,782,743 including employer contributions of $41,322,263, employee contributions of $33,457,688, and earnings from investments of $2,792. Plan expenses were $81,055,964. These expenses included $8,142,356 in administrative expenses and $72,913,608 in benefits paid to participants and beneficiaries and premiums paid to insurance carriers.

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report.

• An accountant's report
• Assets held for investment
• Transactions in excess of 5% of plan assets
• Insurance information, including sales commissions paid by insurance carriers
• Financial information and information on payments to service providers

To obtain a copy of the full annual report, or any part thereof, write or call the Plan Administrator, Health and Welfare Benefits, Delta Employee Service Center, Post Office Box 52045, Phoenix, AZ 85072. The telephone number is 1-800-MY-DELTA. A copy will be provided at no charge.

You also have the right to receive from the Plan Administrator, on request and at no charge, a statement of the assets and liabilities of the Plan and accompanying notes, or a statement of income and expenses of the Plan and accompanying notes, or both. If you request a copy of the full annual report from the Plan Administrator, these two statements and accompanying notes will be included as part of that report.

You also have the legally protected right to examine the annual report at the main office of the Plan, Delta Air Lines, Inc., Human Resources, 1030 Delta Boulevard, Atlanta, GA 30354, and at the U.S. Department of Labor in Washington, D.C. or to obtain a copy from the U.S. Department of Labor upon payment of copying costs.

Requests to the Department of Labor should be addressed to:

Public Disclosure Room, N1513

Employee Benefits Security Administration

U.S. Department of Labor

200 Constitution Avenue, N.W.

Washington, DC 20210

Summary Annual Report

The Delta Account-Based Healthcare Plan

This is a summary of the annual report of the Delta Account-Based Healthcare Plan (the "Plan") (Employer Identification Number 58-0218548, Plan No. 544) for the period of July 1, 2010 to June 30, 2011. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Delta Air Lines, Inc. has committed itself to pay certain medical, prescription drug and dental claims incurred under the terms of the Plan.

Insurance Information

The Plan has contracts with the following insurance carriers to pay certain medical, prescription drug and dental claims incurred under the terms of the Plan: Blue Cross Blue Shield of Hawaii and Cigna Dental Health. The total "non-experience rated" contract premiums paid for the policy year beginning January 1, 2010 and ending December 31, 2010 were $2,706,640.

Because the contract with Humana Health Plans of Puerto Rico Inc. is a so-called "experience-rated" contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the policy year ended December 31, 2010, the premiums paid under this experience-rated contract were $294,301 and the total of all benefit claims paid under this "experience-rated" contract during the year was $245,611.

Basic Financial Statement

The value of the Plan assets, after subtracting the liabilities of the Plan, was ($24,082,698) as of June 30, 2011 compared to a liability of ($21,351,663) as of July 1, 2010. During the Plan year, the Plan experienced a decrease in its net assets of $2,731,035. During the Plan year, the Plan had a total income of $550,120,228 including employer contributions of $436,070,831, employee contributions of $114,045,267, and earnings from investments of $4,130. Plan expenses were $552,851,263. These expenses included $24,565,746 in administrative expense and $528,285,517 in benefits paid to participants and beneficiaries and premiums paid to insurance carriers.

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report.

• An accountant's report
• Assets held for investment
• Transactions in excess of 5% of plan assets
• Insurance information, including sales commissions paid by insurance carriers
• Financial information and information on payments to service providers

To obtain a copy of the full annual report, or any part thereof, write or call the Plan Administrator, Health and Welfare Benefits, Delta Employee Service Center, Post Office Box 52045, Phoenix, AZ 85072. The telephone number is 1-800-MY-DELTA. A copy will be provided at no charge.

You also have the right to receive from the Plan Administrator, on request and at no charge, a statement of the assets and liabilities of the Plan and accompanying notes, or a statement of income and expenses of the Plan and accompanying notes, or both. If you request a copy of the full annual report from the Plan Administrator, these two statements and accompanying notes will be included as part of that report.

You also have the legally protected right to examine the annual report at the main office of the Plan, Delta Air Lines, Inc., Human Resources, 1030 Delta Boulevard, Atlanta, GA 30354, and at the U.S. Department of Labor in Washington, D.C. or to obtain a copy from the U.S. Department of Labor upon payment of copying costs.

Requests to the Department of Labor should be addressed to:

Public Disclosure Room, N1513

Employee Benefits Security Administration

U.S. Department of Labor

200 Constitution Avenue, N.W.

Washington, DC 20210

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