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Employee Benefits

Medical Insurance

Benefits
Eligibility: First of month following date of hire
Cost to Employee: $42.00 per pay (single)
  $61.00 per pay (employee/child)
  $84.00 per pay (employee/spouse)
  $111.00 per pay (family)
Deductible: $500 individual / $1000 family
Coinsurance: 90% network / 70% non-network
Max out of pocket: $1800 individual / $3600 family

Working spouse required to utilize his/her company's benefits, if available.


Prescription Coverage

Rx Benefits
Cost to Employee: Included in medical coverage
Co-Pay: $7 generic / $28 name brand
Mail Order Co-Pay: $14 generic / $56 name brand (90 days)

Vision Coverage

Vision Benefits
Cost to Employee: $5.00 per pay (single)
  $9.00 per pay (employee/child)
  $10.00 per pay (employee/spouse)
  $13.00 per pay (family)
Exam: 1 per 12 month period; $10 co-pay
  $20 co-pay for lens + frames (1 per 24 months)
Frame Coverage: Up to $120
Contact Lenses: Up to $105

Dental Coverage

Dental Benefits
Eligibility: First of month following date of hire
Cost to employee: $10.00 per pay (single)
  $18.00 per pay (employee/child)
  $20.00 per pay (employee/spouse)
  $28.00 per pay (family)
Deductibles: $100 individual / $300 family
Coverages: 100% preventative (deductible waived)
  50% Minor restorative (after deductible)
  25% major restorative (after deductible)
Maximum Annual Benefit per Family Member: $1,250

Additional Benefits

401K
Cost to employee: Automatic enrollment
Employee match: $.33 per employee dollar contribution up to 3% of the employee's base wages
Match vesting period: 5 years at 20% per year

ESOP - Employee Stock Ownership Program
Eligibility: January 1 following six months of service and age twenty and a half
Cost to employee: Company provided
Employer contribution: Discretionary amount based upon company financial performance. Historically 5% of employee base compensation
Vesting period: 5 years at 20% per year

Short-term Disability
Cost to employee: Company provided
Exclusion / waiting period: 5 consecutive work days
Compensation: 100% of base wage paid for first 26 weeks

Long-term Disability
Cost to employee: Company provided
Exclusion / waiting period: 6 months
Compensation: 66 2/3% of wages while disabled up to age 65

Workers Compensation Coverage
Cost to employee: Company provided
Exclusion / waiting period: None
Compensation: 66 2/3% of wages while disabled up to age 65

Life Insurance
Cost to employee: Company provided
Amount of Coverage: $40,000 term life
Supplemental: Cancer protection and accidental insurance are both available through AFLAC. Supplemental life insurance is available through TransAmerica

Accidental Death & Dismemberment
Cost to employee: Company provided
Coverage: Accidental Death: $40,000
  Dismemberment: Prorated based on extent

Eligibility for benefits is the first of the month following date of hire unless otherwise noted.

Download our 2008 Benefits Guide (275, PDF)


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