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Employee Benefits

Medical Insurance

Benefits
Eligibility: First of month following date of hire
Cost to Employee: Tobacco Users Tobacco Free
  $60.00 per pay (employee) $50.00 per pay (employee)
  $93.00 per pay (employee/child) $78.00 per pay (employee/child)
  $120.00 per pay (employee/spouse) $100.00 per pay (employee/spouse)
  $165.00 per pay (family) $138.00 per pay (family)
Deductible: $500 individual / $1000 family $500 individual / $1000 family
Coinsurance: 90% network / 70% non-network 90% network / 70% non-network
Max out of pocket (In-network): $2000 individual / $4000 family $2000 individual / $4000 family
Max out of pocket (Non-Network): $2500 individual / $5000 family $2500 individual / $5000 family

Working spouse required to utilize his/her company's benefits, if available.


Prescription Coverage

Rx Benefits
Cost to Employee: Included in medical coverage
Co-Pay (Generic): 30% of cost of medication. Min: $5 Max: $60 (30-day supply)
Co-Pay (Non-Generic): 30% of cost of medication if Generic is not available or 100% of difference in price between Name Brand and Generic
Mail Order Co-Pay: 25% of cost of medication. Min: $10 Max: $120 (90-day supply)

Vision Coverage

Vision Benefits
Cost to Employee: $5.00 per pay (single)
  $9.00 per pay (employee/child)
  $10.00 per pay (employee/spouse)
  $13.00 per pay (family)
Exam: 1 per 12 month period; $10 co-pay
  $20 co-pay for lens + frames (1 per 24 months)
Frame Coverage: Up to $120
Contact Lenses: Up to $105

Dental Coverage

Dental Benefits
Cost to employee: $11.00 per pay (single)
  $20.00 per pay (employee/child)
  $22.00 per pay (employee/spouse)
  $30.00 per pay (family)
Deductibles: $100 individual / $300 family
Coverages: 100% preventative (deductible waived)
  50% Minor restorative (after deductible)
  25% major restorative (after deductible)
Maximum Annual Benefit per Family Member: $1,250

Additional Benefits

401K
Cost to employee: Automatic enrollment at 3.5% of empolyee's base wage
Employee match: $.43 per employee dollar contribution up to 3.5% of base wage
Match vesting period: 5 years at 20% per year

ESOP - Employee Stock Ownership Program
Eligibility: January 1 following six months of service and age twenty and a half
Cost to employee: Company provided
Employer contribution: Discretionary amount based upon company financial performance. Anticipated 4.5% of employee base compensation for 2010.
Vesting period: 5 years at 20% per year

Short-term Disability
Cost to employee: Company provided
Exclusion / waiting period: 6 consecutive work days
Compensation: 100% of base wage paid for first 26 weeks

Long-term Disability
Cost to employee: Company provided
Exclusion / waiting period: 6 months
Compensation: 66 2/3% of wages (up to age 65)

Workers Compensation Coverage
Cost to employee: Company provided
Exclusion / waiting period: None
Compensation: 66 2/3% of wages (up to age 65)

Life Insurance
Cost to employee: Company provided
Amount of Coverage: $40,000 term life
Supplemental: Cancer protection and accidental insurance are both available through AFLAC. Supplemental life insurance is available through One America.

Accidental Death & Dismemberment
Cost to employee: Company provided
Coverage: Accidental Death: $40,000
  Dismemberment: Prorated based on extent

Eligibility for benefits is the first of the month following date of hire unless otherwise noted.

Download our 2010 Benefits Guide (2MB, PDF)


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