FULL-TIME EMPLOYEE BENEFITS EFFECTIVE 01/01/2010
Type of Benefit
|
Benefit Received |
When you Are Eligible |
Vacation Pay
|
2 weeks per year for 1-4 years service
3 weeks per year for 5-9 years service
4 weeks per year for 10+ years service |
Completion of introductory period |
Holiday Pay
|
6 days per year
|
Immediately |
| Personal Holiday |
1 day per year |
Completion of introductory period |
| Sick Pay |
12 days per year
|
Completion of introductory period |
MEDICAL INSURANCE: (Available after one month)
Option A
Carrier: Cigna Healthcare
$400 deductible, 80% coverage for the 1st $10,000, 100% thereafter (up to $1,000,000 lifetime), annual out of pocket max $2,000 (up to two per family).
- Associate only = $40 per pay
- Associate plus children = $95.50 per pay
- Family = $116 per pay
All services (with the exception of contract services) provided at an HMA facility paid at 100%.
Well Child Care Benefit is added to medical coverage at no extra cost.
Option B
Carrier: Cigna Healthcare
$750 deductible, 70% coverage for the 1st $8,000, 100% thereafter (up to $1,000,000 lifetime), annual out of pocket max $2,400 (up to two per family).
- Associate only = $35 per pay
- Associate plus children = $74.50 per pay
- Family = $95 per pay
All services (with the exception of contract services) provided at an HMA facility paid at 100%.
PRESCRIPTION PLAN: (Available after one month)
Pharmacy Card Program through CareMark is included with your medical election of option A or option B. $50 Deductible
DENTAL INSURANCE: (Available after one month)
Carrier: Cigna Dental
$50 Deductible per individual up to $150 per family, 100% coverage for preventative services, 80% coverage for basic services, 50% for major services.
Annual benefit maximum of $1,500
- Associate only = $11.50 per pay
- Associate plus children = $19.50 per pay
- Family = $27.75 per pay
VISION SERVICE PLAN: (Available after one month)
Carrier: Vision Service Plan (VSP)
VSP eye exam every 12 months covered in full from a VSP doctor after $10 co-pay. Single vision, bifocal and trifocal lenses $25 co-pay. $130 towards purchase of frames every 24 months. Contacts at a $105 allowance.
- Associate only = $3.63 per pay
- Associate & Spouse = $5.91 per pay
- Associate & children = $6.06 per pay
- Associate & Family = $9.39 per pay
LIFE INSURANCE BENEFIT: (Available after 90 days)
Associate Life Coverage through Prudential, with two options:
- Basic Life: 1X annual earnings to a maximum of $750,000 at no cost to the employee.
- Optional Life: 2X annual earnings, cost determined by employee annual earning.
- Dependent Life: (Available after 30 days) Dependent life coverage through Unum Provident for legal spouse and dependent children only.
- Life-Spouse Coverage = $25,000
- Life-Dependent Child(ren) = $10,000
- Cost = $4.52 per pay period
- UNUM: Whole Life Coverage: Available to employees up to age 65 and for children from 14 days to 24 years of age.
SHORT TERM DISABILITY: (Available after one month)
STD coverage through Prudential.
Cost = $1.21 per $100 of monthly covered payroll.
LONG TERM DISABILITY: (Available after one month)
LTD coverage through Prudential available to employee only and calculated by rate of pay and age.
RETIREMENT PLAN (401-K)
(Available after 45 days of hire for F/T and P/T employees and after 1,000 hours worked within a calendar year for PRN employees)
Retirement plan through Prudential Financial with automatic enrollment of 4% once required days or hours worked are met.
Associate Contributions:
Pre-tax contributions - Through payroll deduction, you may choose to make pre-tax contributions from 1% to 75% of your eligible pay.
Flexibile Corporate Plans
FLEXIBLE SPENDING ACCOUNT:
Cost: Medical account and dependent care accounts available; requested annual amount divided by 26 pay periods within the calendar year.
MEDICAL ACCOUNT:
Annual amount is limited to $5,000
DEPENDENT CARE ACCOUNT:
Annual amount is limited to $5,000 or if married, but filing separate tax returns, limit is $2,500.
CANCER PROTECTION COST:
Allstate provides assistance with non-medical cost of treating cancer as well as medical expenses.
ACCIDENT PROTECTION COST:
UNUM provides Accident Protection after 1 month of employment for eligible FT and PT associates. Protection is provided for associates as well as family on and off the job.
Critical Illness Insurance with Allstate:
Upon diagnosis with a critical illness, policy holder receives an immediate financial benefit. Associates may choose coverage amounts ranging from $10,000 up to $30,000.