◊ Brief Description of Coverage
The plan provides comprehensive hospital and major medical insurance. Participants can choose to go to PPO or non-PPO providers of medical services by using a PPO provider, participants will pay a lower percentage of the co-insurance, lower deductible, and a lower annual maximum co-insurance amount.

◊ Prescription Drug Benefits
The company provides a prescription drug card plan as part of the health benefit program.

Dental Insurance - Plan through Blue Cross/Blue Shield

◊ Effective Date
Once your application for insurance has been accepted, coverage will become effective the first day of the month following one calendar month of employment after hire.

◊ Brief Description of Coverage
Participants will pay a percentage of the co-insurance and deductible based on the type of procedure performed.

Life Insurance

◊ Effective Date
Once your application for insurance has been accepted, coverage will begin on the first day of the month following one calendar month of employment after hire.

◊ Brief Description of Coverage
Employees will be entitled to life insurance coverage with a face value of $15,000. This plan also offers an accelerated life benefit pay in the event of a terminal illness and the ability to purchase additional voluntary insurance for themselves or dependents.

Short-Term Disability Insurance

◊Effective Date
Employees are entitled to Short-Term Disability benefits the first of the month following one year of service.

◊Brief Description of Coverage
Disability coverage is for non-work related sickness or injury. The Short-Term Disability Plan has a maximum benefit period for a limited number of weeks, subject to a 30 day elimination period. The weekly benefit amount is generally 60% of the employee’s weekly wage/salary, subject to a maximum weekly limit.

Flexible Benefits

The employee’s contribution for health, vision and dental coverage will be deducted from the employee’s paycheck on a pre-tax basis. This pre-tax advantage is made possible by Section 125 of the Internal Revenue Code.

401(k) Plan

This component allows the employee to set aside pre-tax dollars, via payroll to a retirement account. The company provides discretionary contributions based on the company’s profitability.

Supplemental Life/AD&D-Voluntary Plan through AFLAC

◊Additional life insurance is available in $15,000 units up to a maximum of $60,000
◊Participants in supplemental life/AD&D may also purchase dependent coverage
◊Portable or Convertible