MEDICAL HEALTH INSURANCE
HealthSCOPE Benefits offers the Health Reimbursement Account, Health Savings Accounts, and a PPO Plan
Eligibility - Coverage begins the first day of the month following date of hire. Employees must be actively at work on the day coverage is scheduled to begin.
Cost – The employee pays the cost of the selected coverage through payroll deductions.
PRESCRIPTION DRUG
Administered through LDI
Pharmacy Option - up to a 30 or 90 day supply
Mail Order Option - 90 day supply
Eligibility - Coverage begins the first day of the month following date of hire. Employees must be actively at work on the day coverage is scheduled to begin.
Cost - Included in cost of Medical Premium
DENTAL
Administered through HealthSCOPE Benefits
The dental plan encourages preventive care by providing 100% coverage for checkups and cleanings up to the Usual and Customary (U&C) amounts. If your dentist tells you additional dental care is necessary, the plan will cover a portion of those costs as well.
The dental plan is completely separate from the medical plan.
Eligibility - Coverage begins the first day of the month following date of hire. Employees must be actively at work on the day coverage is scheduled to begin.
Cost – The employee pays the cost of the selected coverage through payroll deductions.
Vision Plan – administered through VSP
Visit a VSP network doctor to receive the following:
The vision plan is completely separate from the medical plan.
Eligibility - Coverage begins the first day of the month following date of hire. Employees must be actively at work on the day coverage is scheduled to begin.
Cost - The employee pays the cost of the selected coverage through payroll deductions.
FLEXIBLE SPENDING ACCOUNTS
Administered through HealthSCOPE Benefits
Offers employees the opportunity to pay for their portion of medical and dependent care expenses using pre-tax dollars.
Unreimbursed Medical Account:
Tax Deferred Savings: Employees pay no federal income taxes on amount contributed
Employees can defer up to $2,550 of annual salary.
Limited Purpose, Post-Deductible Flexible Spending Account (LFSA):
Tax Deferred Savings: Employees pay no federal income taxes on amount contributed
Employees can defer up to $2,550 of annual salary. This account can only be used to cover dental and vision costs.
Dependent Care Account:
Tax Deferred Savings: Employees pay no federal income taxes on amount contributed
Employees can defer up to $5,000 of annual salary
Direct Deposit for reimbursement is required.
Flex Debit Card program is an available option.
Eligibility - Coverage begins the first day of the month following date of hire. Employees must be actively at work on the day coverage is scheduled to begin.
Cost - No cost to employee if plan is followed. Employee elects pre-tax deductions from paychecks. Reimbursement is obtained after submitting "qualifying" expenses. Potential cost to employee only if qualifying expenses is less than the deferred annual amount.
BASIC LIFE/ACCIDENTAL DEATH & DISMEMBERMENT
Administered through HCC
Life insurance is important for employees to plan their long-term financial planning and to provide the necessary level of security for the employee and the employee's family. The Company recognizes this and pays for your basic life and AD&D at once (1) times your annual salary.
Eligibility - Coverage begins the first of the month following your date of hire. Employees must be actively at work on the day coverage is scheduled to begin.
Cost - paid by Company
BASIC DEPENDENT LIFE
Administered through HCC
Employees may insure their spouse and/or children under the dependent life insurance program.
Dependent life insurance maximum amounts:
Spouse - $10,000
Each Child between Ages of 15 Days and 26 Years - $5,000
Eligibility - Coverage begins the first of the month following your date of hire. Employees must be actively at work on the day coverage is scheduled to begin.
Cost – paid by Company
VOLUNTARY LIFE
Administered through HCC
The opportunity for employees to purchase additional life insurance at group rates.
Optional life insurance is available by units of $10,000 increasing your total insurance amount with a maximum of the lesser of 3 times your annual salary to a maximum of $500,000.
Life premiums depend on the employee's age and the amount of requested coverage.
Eligibility - Coverage begins the first of the month following your date of hire. Employees must be actively at work on the day coverage is scheduled to begin.
Cost - The employee pays the cost of life insurance through payroll deductions.
VOLUNTARY DEPENDENT LIFE
Administered through HCC
The opportunity for employees to purchase additional life insurance at group rates.
Optional life insurance is available for your spouse by units of $5,000 (coverage ends at age 70) with a maximum of $250,000Life premiums depend on the spouse’s age and the amount of requested coverage
Optional life insurance is available for your dependent child(ren) by units of $1,000 for children 6 months to 26 years (if full time student) with a maximum of $10,000 or at $500 for each dependent child 15 months to 6 months.
Eligibility - Coverage begins the first of the month following your date of hire. Employees must be actively at work on the day coverage is scheduled to begin.
Cost - The employee pays the cost of life insurance through payroll deductions
VOLUNTARY AD&D
Administered through HCC
The opportunity for employees to purchase additional AD&D insurance at group rates.
Optional AD&D insurance is available by units of $10,000 to a maximum of $500,000
AD&D premiums depend on the employee's age and the amount of requested coverage
Eligibility - Coverage begins the first of the month following your date of hire. Employees must be actively at work on the day coverage is scheduled to begin.
Cost - The employee pays the cost of life insurance through payroll deductions
401(K) RETIREMENT SAVINGS PLAN
Administered through ADP Retirement Services
Company provides a plan for employees to build a financially secure retirement income. An excellent way for you to build a retirement nest egg.
Tax Deferred Savings: Employees pay no federal income taxes on their contribution until the funds are actually distributed
Can defer up to 80% of your annual salary
Employees are 100% vested after five years of service in the Company Matching Program
You will be credited with a Year of Service for vesting purposes upon completion of 1000 Hours of Service during the Plan Year
Withdrawal and loan options
Eligibility - Employees are eligible the first of the month following your date of hire. Enrollment and changes can be made on a monthly basis.
Cost - through payroll deductions
SHORT-TERM DISABILITY
Administered through HealthSCOPE Benefits
To provide income protection for employees with a non-work related illness or accident. Benefits begin for certified disabilities after the employee has been out of work for fourteen consecutive calendar days. Benefits may continue for up to 11 weeks.
14 calendar day elimination period upon qualifying for STD
Disability must be non-work related and certified
Eligibility - 1 year of service
Cost - paid by Company
LONG-TERM DISABILITY
Administered through HCC
To provide income protection for employees with an extended disability. Plan payments begin after 11 weeks of disability; long-term disability benefits may be offset or reduced by similar benefits payable under social security or similar plans.
90 day elimination period
Disability must be certified; non-work related accident or illness
Eligibility - 1 year of service
Cost - paid by Company
TUITION REIMBURSEMENT
Administered through HealthSCOPE Benefits, Inc.
A program designed to reimburse employees for tuition expenses that are specifically related to the work of the company.
Eligibility - Six (6) months of service
Reimbursement Agreement signed by all associates participating in the Tuition Reimbursement program prior to approval to participate in the program
Cost - paid by Company
TRAINING REIMBURSEMENT
Administered through HealthSCOPE Benefits, Inc.
A program designed to reimburse employees for other training expenses such as computer classes, seminars, etc.
Eligibility - Six (6) months of service
Reimbursement Agreement signed by all associates participating in the Training Reimbursement program prior to approval to participate in the program
Cost - paid by Company
PAID TIME OFF
Allocation based on length of service
Eligibility – Pro-rated based on date of hire and available to associate after 30 days of employment. and available to use three months after date of hire. Part-time associates will be eligible for PTO on a pro-rated basis based on hours worked.
HOLIDAYS
8 per calendar year
New Year's Day
Memorial Day
Independence Day
Labor Day
Thanksgiving Day
Day after Thanksgiving
Christmas Day
Annual Floating Day (Designated by Company each year)
Eligibility - Immediately upon employment. Part-time associates will receive four (4) hours of holiday pay for any holiday that falls on a regularly scheduled workday for the part-time associate. Holiday pay will not be paid for holidays that fall on regularly scheduled days off.
If you would like to learn more about HealthSCOPE Benefits, visit the "About Us" section.
