Human Resources/Employee Benefits Overview

1. Human Resources/Employee Benefits Overview

2. Define Eligible Employees • Full-time, part-time, or limited term employees scheduled at least 40 regular hours

3. 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

4. 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

5. 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.

6. 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

7. 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)

8. 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

9. Medical Insurance HMO • 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

10. 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

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

12. 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

13. Dependent Life Insurance • Spousal Life =half the amount of employee coverage • Child Life = $10,000 per child

14. 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

15. 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

16. 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.

17. 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

18. 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

19. PTO Accrual Rates

20. 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

21. 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

22. 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

23. 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

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

25. 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

26. 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

27. 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

28. 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

29. 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

30. 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

31. 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

32. Questions