Benefits

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FULL-TIME EMPLOYEE BENEFITS EFFECTIVE 01/01/2009
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

$250 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).

  • Employee only = $36 per pay
  • Employee plus children = $89.50 per pay
  • Family = $108 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
$500 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).

  • Employee only = $31 per pay
  • Employee plus children = $68.50 per pay
  • Family = $87 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

  • Employee only = $9.50 per pay
  • Employee plus children = $15.50 per pay
  • Family = $21.75 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.

  • Employee only = $3.63 per pay
  • Employee & Spouse = $5.91 per pay
  • Employee & children = $6.06 per pay
  • Employee & Family = $9.39 per pay

LIFE INSURANCE BENEFIT: (Available after 90 days)

Employee Life Coverage through Unum Provident, 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

 

SHORT TERM DISABILITY: (Available after one month)

STD coverage through Unum Provident.
Cost = $1.44 per $100 of monthly covered payroll.

LONG TERM DISABILITY: (Available after one month)

LTD coverage through Unum Provident 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 employees and after 1,000 hours worked within a calendar year for P/T and PRN employees)
Retirement plan through Prudential Financial with automatic enrollment of 4% once required days or hours worked are met.

Employee Contributions:
Pre-tax contributions - Through payroll deduction, you may choose to make pre-tax contributions from 1% to 75% of your eligible pay.

AFLAC: (Available after one month)

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:

  • Employee Only = $16.85
  • Employee & Children = $20.63
  • Employee & Family = $28.80

ACCIDENT PROTECTION COST:

  • Employee Only = $11.12
  • Employee & Spouse = $14.91
  • Employee & Children = $16.20
  • Employee & Family = $19.98

SPECIFIED HEALTH EVENT PROTECTION:
Age banded rates for coverage that applies to heart attacks, stroke, major human organ transplant, coma and more.