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Employee Benefits Overview

HEALTH PLANS

MEDICAL INSURANCE
   • Carrier: Blue Cross Blue Shield of Illinois
   • Benefits are per calendar year (Jan 1 – Dec 31)
   • Deductibles:
        Individual: $3500.00
        Family: $7000.00
   • Prescription Drug Coverage: Prime Therapeutics
   • Premiums: (Per pay period)
        Employee only: $38.60
        Employee + Child(ren): $145.60
        Employee + Spouse: $156.38
        Family: $240.64 

Note: Medical coverage does apply a spousal exclusion if your spouse is eligible for befits through his or her own employer.

HEALTH SAVINGS ACCOUNT (H.S.A.)
   • Enrollment in the Blue Cross Blue Shield coverage is required to participate.
   • Plan allows employees to set aside pre-tax dollars into a medical reimbursement account to pay medical out of pocket expenses.
   • IRS maximums and eligibility requirements apply
   • Employer Contributions available semi-annually.

DENTAL INSURANCE 
   • Carrier: Delta Dental of Illinois
   • Benefits are per calendar year (Jan 1 – Dec 31)
   • Deductibles
          Individual: $25.00
          Family: $75.00
          Annual Maximum: $1500.00 
   • Premiums: (Per Pay Period)
          Employee only: $13.60
          Family: $38.60 

VISION INSURANCE
   • Carrier: VSP
   • Coverage available for:
           Vision Exams
           Glasses
           Contacts
   • Premiums: (Per pay period)
            Employee only: $4.36
            Employee + Child(ren): $7.58
            Employee + Spouse: $9.40
            Family: $12.62

RETIREMENT PLAN
  

401K
   • Administrator: TransAmerica Retirement Solutions (TRS)
   • Available for all full-time and part-time employees age 21 and over.
   • Employees may contribute as much as 75% of their annual salary up to the yearly maximum amount established by the IRS.
   • Eligible on the first day of employment. No waiting periods.
   • Auto enrollment is available after 60 days of employment if you do not make an election by that time.
   • Employer contributions available upon approval from the board of directors.

OTHER BENEFITS
 

TUITION REIMBURSEMENT
   • Full-time employees are eligible for tuition reimbursement per approval from their General Manager.
   • 50% tuition reimbursement is granted per a grade of “C” or better at an accredited educational institution.

OTHER BENEFITS
   • Health Club Membership
   •  Flu Shot Clinic
   •  Employee Assistance Program
   •  Frontier MEDEX Travel Assistance

PAID TIME OFF

 VACATION
   • Full-time employees are eligible for vacation based on the following schedule:
        Year of hire: 1 week of vacation (prorated)
   • 2nd Calendar year: 2 weeks of vacation
   • Calendar year after 5th Anniversary: 3 weeks of vacation
   • Calendar year after 15th Anniversary: 4 weeks of vacation
Note: One week is defined as the weekly hours an employee is regularly scheduled to work.

PERSONAL DAYS
   • Full-time employees are eligible for 2 personal days in the calendar year following their hire date (Jan 1).

SICK LEAVE
   • Full-time employees are eligible for 7 days of sick leave after 90 days of employment.
   • Sick leave is prorated from your hire date.

HOLIDAYS
   • New Year’s Day
   • Memorial Day
   • Independence Day
   • Labor Day
   • Thanksgiving Day
   • Day after Thanksgiving
   • Christmas Day

LIFE & DISABILITY BENEFITS

BASIC LIFE INSURANCE
   • Carrier: Standard Insurance Company
   • Coverage: 1.5X your annual salary
   • Premiums: Provided by the company at no charge to the employee.

ADDITIONAL LIFE INSURANCE
   • Carrier: Standard Insurance Company
   • Guaranteed Issue Amounts
        Employee: $170,000.00
        Spouse: $25,000.00
        Dependent Children: $10,000.00
   • Premiums: Vary based on the applicants age and the amount of coverage elected.

ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D)
   • Carrier: Standard Insurance Company
   • Coverage: 1.5X your annual salary
   • Premiums: Provided by the company at no charge to the employee

SHORT TERM DISABILITY (STD)
   • Provided by: The Standard
   • Eligibility begins on the 1st of the month following 60 days of full time employment.
   • Coverage: 70% of your Salary
   • Waiting Period: 7 calendar days
   • Maximums: As Certified by your physician but not to exceed 179 days.
   • Premiums: Provided by the company at no charge to the employee

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