Human Resources/Employee Benefits Overview

Define Eligible Employees

Full-time, part-time, or limited term employees scheduled at least 40 regular hours

Eligible Dependents, if any

Legal spouse or qualified domestic partner Natural, legally adopted, step-child or child of

a qualified domestic partner under age 19; or, under age 25 if full-time student

Coverage Options

Employee Only (EE) Employee plus Spouse (EE+S) Employee plus Child (EE+C) Employee plus Family (EE+F)

There are a variety different coverage

options for medical, dental and vision

Enrollment Opportunities

You may enroll for benefits within the first 60 days of your employment in a benefit-eligible status.

Changes to existing benefits may be made during the open enrollment period with the following exception: Qualified change in family status

Submit your enrollment form prior to the end of the current month to have your benefits in effect from the 1st of the following month.

Typical Qualified Change in Family Status

Marriage or divorce Legal separation Death of a dependent Birth or adoption of a child Change in your eligibility status Termination, commencement or significant

change of spouse's benefit status/coverage Taking a leave of absence

Typical Duration of Choices

Medical - 1 year (may make changes during every open enrollment)

Dental/Vision - 2 years (may make changes every other open enrollment period, effective odd numbered years only)

Health Insurance Optional Rebates

Benefits eligible (FT/PT) Chosen in lieu of coverage Rebates: Per Year Per Pay Period Medical $520 $20 Dental $104 $4 Vision $ 26 $1

$650 $25 Considered taxable income

Medical InsuranceHMO

Primary Care Physician directs care

POS Can choose how you utilize the services Offers greater flexibility

Primary Care Physician (HMO and POS) Must designate PCP or provider will assign Can change PCP by contacting provider

Dental Insurance: Typical Levels

Premier High level of care Does not offer orthodontic services

Preferred High level of care Orthodontic services partially covered

Other options Dental HMO - must select a dentist

Vision Insurance

Vision Service Plan High level of service Most doctors participate in VSP Covers annual exams, lenses, frames, or contact

lenses

Employee Life Insurance

Basic coverage: Limit, sometimes tied to annual salary/compensation

Supplemental: typically purchased in $10,000 increments

Maximum supplemental Total life insurance Must complete Evidence of Insurability form for

any total amount over $100,000

Dependent Life Insurance

Spousal Life =half the amount of employee coverage

Child Life = $10,000 per child

Long-Term Disability (LTD)

Basic (all employees automatically): 60% of pay option $1,000 max benefit per month Five year limit on benefits

Supplemental: 60% of pay option $5,000 max benefit per month Benefits stop at age 65

Flexible Spending Accounts

Health Care FSA - contribute up to $2,000 per calendar year

Dependent Care FSA - contribute up to $5,000 per calendar year

Any unused funds are forfeited

How an FSA works

The accounts work like this: When you enroll, you choose how much to contribute to the

accounts, up to the maximum allowed for the year Your contribution is deducted from your pay before federal and

Social Security taxes are calculated. This reduces your taxable income and, therefore, the amount of your income tax for the year. In some cases state income taxes are withheld.

When you incur an eligible expense, you file a claim with the administrator.

You're then reimbursed for eligible expenses according to the rules of the plan. You don't pay taxes on the payments you receive from the account.

Tax Deferred Annuity 403(b)

All contributions made pre-tax Annual Contribution limit $13,000 Catch up contributions for those over 50

$3,000 in 2004 Contributions eligible for company match

Determine amount and vesting period

Paid Time Off (PTO)

Used for any time off - vacation, company holidays, sick days, etc.

Accrue PTO hours with every pay period PTO accruals increase with your length of service Schedule your time off in advance whenever possible Always follow department procedures for reporting

any missed time

PTO Accrual Rates

Yearsof

Service

HoursperPay

Period

DaysPerYear

HoursperYear

MaximumHours ofAccrual

0 - 3 8.0 26 208 4804 - 8 9.54 31 248 4809 + 11.08 36 288 480

Leaves of Absence

Jury Duty - 60 days Bereavement - 3 days immediate family, 1 day for

relative Medical - 6 months Military - 5 years Domestic Violence - in conjunction with FMLA,

unpaid Personal - 4 weeks minimum, unpaid

Medical Leave of Absence

Alert your supervisor and HR as far in advance as possible and complete forms

Medical LOA works with Family Medical Leave Act (FMLA) and

Apply for pay Disability Insurance Upon returning to work, must provide a doctor’s

release

Family Medical Leave Act (FMLA)

Designates 12 weeks per year of “job protection” if you take time off due to your own serious health condition or if you must care for a family member with a serious health condition

Submit medical certification Time off can be in a block of time or intermittently for

an on-going condition

Short-Term Disability (STD)

Eligible after 1 year of benefit-eligible employment Requires medical certification Provides salary continuation for up to 180 days Supplements income from SDI or Workers’

Compensation to bring you to 80% of your normal pay

PTO can be incorporated to bring you to 100% of pay

Retirement Plan

Plan entry upon date of hire 100% vested after 3 years Completely paid Contributions made based on annual salary

Tuition Reimbursement

Provides financial assistance to encourage continuing education and and training in areas for career development

The plan pays 100% of tuition, fees, and books up to $2,000 per calendar year

Apply using a Tuition Reimbursement form

Training and Seminars

One-day seminars or other training not covered under the Tuition Reimbursement Program may be paid for based on recommendations from your manager

Ask your manager for details

Employee Assistance Program

Confidential counseling service to help you and your dependents deal effectively with a broad range of issues

Plan covers 5 employee visits and 5 dependent visits per calendar year

Service and Longevity Awards

Service awards honor employees with 5,10,15,20,25,30,35 and 40 years of service

Longevity award is a cash “bonus” given every year beginning with the 5 year milestone

ScholareShare

Contribute a percentage of income to savings account used for paying future college expenses

May designated any beneficiary Dependent, relative, friend, self

Distributions are free from federal income tax

Adoption Assistance

Provides reimbursement for fees and expenses associated with most adoptions up to $3,000, payable after adoption is final

Opportunity for salary continuation for time spent away from work during the adoption process, up to 4 weeks and 80% of pay

Employee Referral Program

Awards employees who refer a candidate for a “Hot Job” who is hired into the position

Awards payable in installments after candidate’s date of hire

Over 25 successful hires through ERP last year

Questions