Regular full time employees are eligible to participate on the first day of the month following 90 days of continuous employment. Medical coverage includes prescription
coverage and is available for Employee Only or Family. Employee contributions are made through payroll deduction.
Medical Insurance (PPO) - Anthem Blue Cross Blue Shield
Base Plan
- Deductible of $1,500 in-network / $3,000 out-of-network
- Coinsurance of 70% in-network / 50% out-of-network
- Out-of-pocket maximum of $6,000 in-network / $12,000 out-of-network
- Office visit co-pay of $30 in-network / deductible & co-insurance
out-of-network
- Prescription deductible of $100 per participant & co-pays of $20/$40/$60
- Vision Savings Eye care Program
- Weekly premiums of $29.00 Employee Only/$87.00 Family
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Buy-Up Plan
- Deductible of $1,000 in-network / $2,000 out-of-network
- Coinsurance of 80% in-network / 50% out-of-network
- Out-of-pocket maximum of $4,000 in-network / $12,000 out-of-network
- Office visit co-pay of $20 in-network / deductible & co-insurance
out-of-network
- Vision Savings Eye care Program
- No prescription deductible for participant & co-pays of $10/$30/$50
- Weekly premiums of $42.00 Employee Only/$116.00 Family
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Dental Insurance - Delta Dental
- Deductible of $50 Employee Only/$150 Family (in-network or
out-of-network)
- Out-of-pocket maximum per person combined in- and out-of-network of $1,500
in-network/$1,000 out-of-network
- General/Restorative covered at 20% co-insurance after deductible
- Endodontics/oral surgery covered at 50% co-insurance after deductible
- Periodontal/prosthodontal covered at 50% co-insurance after deductible
- Orthodontics )dependent children up to age 19) covered at 50% to $1,000
lifetime maximum
- Weekly Dental Premiums - $3.85 Employee Only/$11.00 Family
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Short-Term Disability – Prudential Financial
- Benefits begin on the 15th calendar day following injury
or sickness
- The maximum benefit period is 11 weeks
- Coverage amount is 50% of your base salary up to a maximum of $600 per week.
- Rates are based on an employee's current age (adjusted each year on the
plan anniversary date) and salary
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Long-Term Disability - Prudential Financial
- Benefits begin after 90 days of total disability (as
defined in the insurance contract)
- Coverage amount is 60% of your base salary to a maximum of $5,000 per
month. Other forms of income may reduce LTD benefits
- Drivers may select either a 2-year or 5-year benefit
- Rates are based on which benefit is selected (2 year or 5 year),
an employee's current age (adjusted each year on the plan anniversary date)
and salary.
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Term Life – Prudential Financial
- Free basic life insurance benefit of $15,000 for drivers
- Dependant coverage also available
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Supplemental Life/AD&D – Prudential Financial
- Additional life insurance is available in $15,000 units up to a maximum of $60,000
- Dependant coverage also available
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Whole Life Insurance – Unum Provident
- Interest-sensitive whole life earns guaranteed interest
- Portable
- Advanced Benefit Rider available
- Long Term Care Rider available
- Dependant coverage also available
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Critical Illness Insurance
- Pays a lump sum benefit upon diagnosis of covered critical
illness
- Choose a face mount between $5,000-$50,000 in $1,000 increments
- Dependant coverage also available
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Accident Plan – UNUM Provident
- Assist with out-of-pocket expenses, co-pays, deductibles
- Pays benefit check directly to you
- No health questionnaire required
- Dependant coverage available
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Flexible Spending Plan (FSA) – ADP
- Pay health care or dependent care costs on a pre-tax
basis
- Flex debit card
- Health care annual maximum of $2,500
- Dependent care annual maximum of $5,000
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401(k) Plan
- Four enrollment dates: Jan. 1, Apr. 1, Jul. 1, Oct. 1
- Employees may contribute up to 75% of their salary (subject to IRS limits)
- Self-directed investment options
- Graduated vesting schedule, fully vested after 5 years
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Paid Vacations
- One week for 30,000 miles completed - Solos
- One week for 60,000 miles completed - Teams
First segment paid only - no time
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