2018 Benefits Summary

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Eligibility Requirements:

To be eligible for benefits, you must work a minimum of 24 hours and be classified as benefit eligible.

Medical –Harvard Pilgrim Healthcare

4 Options Available –
PPO & HMO, HMO Focus, High Deductible Health Plan (HDHP)

Individual and Family plans available

HMO & PPO – $2000(Ind.)/$4000(Family) deductible – Employee pays first $1,000.00 (Ind.)/$2,000.00 (Family) HRA plan to cover deductibles – Agency pays deductible after employee pays their portion

HMO with Focus Network – Lower cost than traditional HMO, *must make sure all providers are part of focus network.  $2000(Ind.)/$4000(Family) deductible – employee pays first $1000(Ind.)/$2000(Family) – HRA plan to cover deductibles – Agency pays deductible after employee pays their portion

HDHP – $3000(Ind.)/$6000(Family) deductible – Employee pays 100%

Dental Insurance – Delta Dental

Individual and Family plans available
$1000 coverage per calendar year/per person

Vision Insurance – Eye Med

Frequency – Exam (every 12 months)/Lenses (every 12 months)/ Frames (every 24 months)
Prescription lenses (single, bifocal, and trifocal) $25.00 copay
Frames ($130 allowance), 80% of charge over $130
Disposable contact lenses ($130 allowance), any balance over $130

Life Insurance – Hartford Life

Employees can purchase up to 5X salary

Short Term Disability – Hartford Life

7-Day waiting period then pays 70% of gross salary up to 3 months

Long Term Disability – Hartford Life

Pays 60% of gross salary – Must be out for 90+days

Retirement Plan 403(b) – Fidelity

All employees are eligible – up to a 4% match for any hourly staff working 20+ hrs. 100% vested after 5 years of service

Flexible Spending Plan (Section 125 Plan) – Pre-tax benefit

Medical – $2600 max/year ~ Medical FSA includes $500 Rollover Option
Dependent Care – $5000 max/year

Earned Time – Paid Time Off for Vacation, Sick and Personal Days

Accrual rates are based on job classification, hours worked and years of service.  Accrual starts from date of hire and is available to use after 90 days

Tuition Reimbursement

FT Staff $2,000/year
PT Staff $1000/year
May begin after 3 months of employment

Fitness Benefit

FT Staff $20 Reimbursement
PT staff $10 Reimbursement
Must go to a gym 12 times/month

Direct Deposit Available

Holidays – Six (6) major holidays