BENEFIT |
PROVIDER/ CARRIER |
COST TO
EMPLOYEE
|
ELIGIBILITY |
BENEFIT
INFORMATION
|
401(k)
www.jhnypensions.com
(800)395-1113 Toll Free
|
JOHN HANCOCK
NEW YORK
(formerly Manulife
New York ) |
Employees may contribute up to a maximum of $15,500 for 2008 on a tax-deferred basis.
There is a $5,000 catch up contribution for qualified participants who attained age 50. |
The first day of the quarter following three months of continuous employment.
All employees who are 21 are eligible to participate. |
Self-directed 401(k) plan provides for tax deferred retirement savings. Flexible, quarterly eligibility and investment/deferral change dates. Integral contributes a 5% match subject to 401(k) plan and IRS definitions.
|
MEDICAL, PRESCRIPTION (RX), AND VISION INSURANCE
www.myuhc.com
www.unitedhealthcare.com |
UNITED HEALTHCARE CHOICE PLAN 010
(EPO)
|
Employee per pay cost:
Employee $54.44
EE & CH $103.57
EE & CHRN $103.57 EE & Spouse $114.24
Family $163.51
( All rates are per pay as of 1/1/2008 and are pre-tax deductions) |
Employees* who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire.
* This is a national plan and is open to all eligible employees regardless of where they reside. |
$30.00 co-pay for primary care
$50.00 co-pay for specialty care
RX – 3 Tier plan - $10/$20/$35 - includes Oral Contraception; Mail Order available for 3 Tier
plan - $25/$50/$87.50
Can see any PCP or specialist without a referral
No out-of-network coverage
Vision - $10 co-pay for exam once every 12
months with a Spectera network provider |
UNITED HEALTHCARE CHOICE PLUS PLAN P1W
(PPO)
|
Employee per pay cost:
Employee $63.77
EE & CH $121.28
EE & CHRN $121.28 EE & Spouse $133.81
Family $191.48
( All rates are per pay as of 1/1/2008 and are pre-tax deductions) |
Employees* who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire.
* This is a national plan and is open to all eligible employees regardless of where they reside. |
$20.00 co-pay for primary care
$40.00 co-pay for specialty care
RX – 3 Tier plan - $10/$20/$35 - includes Oral Contraception; Mail Order available for 3 Tier
plan - $25/$50/$87.50
Can see any PCP or specialist without a referral
70% out-of-network coverage with $500 individual / $1,500 family deductible
Vision - $10 co-pay for exam once every 12
months with a Spectera network |
DENTAL INSURANCE
www.deltadental.com
|
DELTA DENTAL
|
Employee per pay cost:
Employee $4.34
EE & SP $10.95
EE & CH $10.95
EE & CHRN $10.95
Family $10.95
( All rates are per pay as of 1/1/2008 and are pre-tax deductions) |
Employees who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire.
|
Comprehensive dental insurance coverage. $1,500 calendar year maximum per covered member. Highlights include 100% coverage for diagnostic and preventive, 80% for basic services, 50% for major services, and 50% for orthodontics (to age 19) with a $1,000 lifetime maximum.
|
BENEFIT |
PROVIDER/
CARRIER
|
COST TO
EMPLOYEE
|
ELIGIBILITY |
BENEFIT
INFORMATION
|
LIFE BALANCE EAP
|
UNUM/PROVIDENT |
No cost to employee |
Employees who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire. |
Provides you with solutions and resources to meet life’s challenges for employee assistance, WorkLife, etc. Includes up to 3 face-to-face sessions. |
TRAVEL ASSISTANCE
www.unumprovident.com |
UNUM/PROVIDENT |
No cost to employee |
Employees who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire. |
Provides worldwide emergency travel assistance for medical care including Rx replacement assistance, legal and interpreter referrals, etc. |
GROUP LIFE INSURANCE |
UNUM/PROVIDENT |
No cost to employee |
Employees who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire. |
One times Base Salary up to a maximum of $50,000 of coverage. |
ACCIDENTAL DEATH & DISMEMBERMENT |
UNUM/PROVIDENT |
No cost to employee |
Employees who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire. |
One times Base Salary up to a maximum of $50,000 of coverage. |
SHORT-TERM DISABILITY |
UNUM/PROVIDENT |
No cost to employee |
Employees who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire. |
Provides for 60% of base weekly earnings up to a maximum of $1,000 per week after 7 days of being disabled. |
LONG-TERM DISABILITY |
UNUM/PROVIDENT |
No cost to employee |
Employees who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire. |
Provides for 60% of base monthly earnings up to a maximum of $10,000 per month after 90 days of being on short-term disability. |
ADDITIONAL LIFE (EMPLOYEE) INSURANCE |
UNUM/PROVIDENT |
Employee Pays 100%
Premiums vary based on amount of elected coverage and age group. |
Employees who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire. |
Employees may purchase from $10,000 to $500,000 additional life insurance in $5,000 increments. Employee GI amount is $50,000. |
DEPENDENT LIFE INSURANCE – SPOUSE &/OR CHILD(REN) |
UNUM/PROVIDENT |
Employee Pays 100%
*Employee must select additional employee life in order to select dependent coverage
*Premiums for spouse coverage vary based on amount of elected coverage and employee’s age group. |
Employees who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire. |
Employees may purchase:
Spouse coverage from $10,000 to $500,000 additional life insurance in $5,000 increments. Spouse GI amount is $25,000.
Child(ren) coverage from $2,000 to $10,000. Child GI amount is $10,000.
|
BENEFIT |
PROVIDER/ CARRIER
|
COST TO EMPLOYEE
|
ELIGIBILITY |
BENEFIT
INFORMATION
|
CREDIT UNION |
AMERICAN HERITAGE FEDERAL CREDIT UNION |
N/A |
All employees may begin to participate immediately. |
Employees may make deposits into their Credit Union account(s) through direct deposit of payroll deductions. |
FLEXIBLE SPENDING ACCOUNTS (FSA)
www.flex125.com |
AmeriFLEX |
Medical - Employees may contribute up to a maximum of $4,000 on a tax-deferred basis.
Dependent Care – Employees may contribute up to a maximum of $5,000 on a tax-deferred basis. |
Employees who work 32 hours or more per week are eligible to participate the first day of the month following their date of hire. |
An employer sponsored benefit that allows you to pay for certain non-covered medical and dependent care expenses with pre-tax income. Use the AmeriFlex Convenience Card to pay for qualified expenses at qualified locations. |
DIRECT DEPOSIT |
INTEGRAL |
N/A |
All employees may begin to participate immediately. |
Employees’ take home pay is deposited, via electronic transfer to designated account(s), providing them convenient access to their pay, without delay. |
COMPANY HOLIDAYS |
INTEGRAL |
N/A |
Employees are eligible to receive holiday pay immediately. Full-time employees are eligible for 8 hours holiday pay for company observed holidays. Part-time employees regularly scheduled to work 30-39 hrs/wk will be paid at 75% of the full time rate for the holiday, employees regularly scheduled to work 20-29 hrs/wk will be paid at 50% of the full time rate for the holiday. Employees regularly scheduled to work less than 20 hours per week are not eligible for holiday pay.
|
2008 Holidays:
New Years Day
Memorial Day
4 th of July
Labor Day
Thanksgiving
Day after Thanksgiving Christmas Day
|
PAID TIME OFF (PTO) |
INTEGRAL |
N/A |
PTO benefits are earned and may be granted to full-time and part-time employees effective the first of the month following the date of hire. |
Full-time employees will accrue PTO based on years of service as outlined in the policy.
Part-time employees working 20 or more hours per week are eligible for PTO as outlined in the policy. |
EVALUATIONS |
INTEGRAL |
N/A |
Annually |
Review is given the 4th quarter of each calendar year with applicable wage adjustments effective January 1 st. |
