1 2018 Employee Benefits At-A-Glance Benefit Team email address: Eligibility is first of month following 30 days of employment. Benefit Eligible - regularly scheduled to work at least 28 hours/week. MEDICAL INSURANCE ELIGIBILITY COVERAGE LEVELS AVAILABLE PREMIUMS (per pay period). EEs earning $15 hr or less will receive a Medical plan has 100% employer paid Preventive care/screening/immunization EEs with FTE .7 EE; EE+ Sp; EE+ Ch & EE+ Family See Medical Plans Options Sheet 10% discount. under Benefits /Summaries/2018 Open Enrollment for details & above located on Immanuel Benefits website HEALTH SAVINGS ACCOUNT ELIGIBILITY.
2 Immanuel's contribution to Health Savings Account: Must enroll in Jan 1-March 31: $350 Emp/$1077 Family July 1 - Sept 30: $175 Emp/$ Family Immanuel's Medical Oct 1 - Dec 31: $ Emp/$ Family $1 for $1 Match of EEs contributions up to limits. See right hand side of page. Apr 1 - June 30: $ Emp/$ Family Plan 1 or Medical Plan Biweekly: Wellness Reward - $ 2. Amount is prorated each quarter, based on eligibility for benefit DENTAL INSURANCE ELIGIBILITY COVERAGE PREMIUMS (per pay period). EEs with FTE .7 Employee $ Unique Dental plan with additional discounts & rewards & above EE + Spouse/Child(ren) $ Deductible: $25 per person (3 person maximum).
3 EE+ FAMILY $ VISION INSURANCE ELIGIBILITY COVERAGE PREMIUMS (per pay period). Annual exam. Up to $180 on frames or contacts. Most lens options covered in full. Wide VSP network. EEs with FTE .7 Employee $ Deductibles: $10 exam & above EE + Spouse $ Deductibles: $10 eye glass lenses or frames EE + Child(ren) $ EE + Family $ BASIC TERM LIFE INSURANCE ELIGIBILITY COVERAGE PREMIUMS (per pay period). Basic Term Life Insurance at 1X the Employee 's annual salary is provided and paid by Immanuel. In addition employees receive EEs with FTE.
4 7 1x Annual Salary (Basic Life) Paid by Employer Accidental Death & Dismemberment coverage payable to the beneficiary. & above SUPPLEMENTAL TERM LIFE INSURANCE ( Employee , SPOUSE, CHILDREN) ELIGIBILITY COVERAGE PREMIUMS (per pay period). Employees can purchase voluntary supplemental term life insurance amounts in increments of $10,000 w/ a max of $500,000. EE - $10,000 - $500,000. Guarantee issue is $200,000 without EOI. Amounts over $50,000 for employees will be taxed per IRS. EEs with FTE .7 Paid by Employee Spouse and child supplemental term life insurance can be purchased.
5 Spouse election cannot exceed 50% of the Employee election Supplemental Spouse and/or Child(ren) Age amounts in increments of $5,000 with a $250,000 maximum. Guarantee issue is $100,000 without EOI. Child coverage is a $10,000 per & above banded for EE & SP - cost increases every 5 yrs. Paid by Employee child per family amount. LONG TERM DISABILITY ELIGIBILITY BENEFIT PREMIUMS. Paid by Employer. EE is taxed on amount of premium paid by employer. Long Term Disability Benefits cover Employee for non-work related injuries or illnesses.
6 EEs with FTE .7 60% of salary after qualifying period of disability Any paid benefit to the Employee is non-taxable. & above SHORT TERM DISABILITY ELIGIBILITY YEARS of SERVICE WAIT PERIOD MAX BENEFIT. Coverage for short-term non-work related illnesses or injuries following a 2 week waiting period. Length of disability must be certified EEs with FTE .7. as medically necessary by a licensed practitioner. Provides coverage at 60% of base salary during disability. & above 0 to 11 months 30 days 52 Weeks 0 weeks 1 Year Employment 1+ yrs 2 Weeks Up to 10 weeks CANCER AND ACCIDENT INSURANCE ELIGIBILITY BENEFIT PREMIUMS.
7 Cancer insurance provides cash Benefits for cancer and 29 specified diseases, and can help cover the cost of specific cancer and specific Based on Employee Election disease treatments and expenses as they happen. Voluntary accident insurance can help cover your out-of-pocket expenses associated EEs with FTE .7 High and Low Options See AllState Group Accident or Cancer Coverage flyers located on with an accidental injury, and help protect your savings should an on or off-the-job accidental injury occur. & above Immanuel Benefits website under Benefits /Summaries/Other Benefits for details FLEXIBLE SPENDING ACCOUNTS ELIGIBILITY MAXIMUM ANNUAL BENEFIT COST OF BENEFIT.
8 Tax free "account" in which a portion of your earnings may be deferred and used to pay for certain kinds of expenses with before-tax dollars. "Use it or lose it.". Health Care Spending Account can be used for medically related expenses including medical, dental, vision and hearing expenses for EEs with FTE .7 $2,600 per yr Based on Employee Election Employee and family members. & above Dependent Care Spending Account can be used for expenses such as child care, after school care, nursery school tuition and adult day $5,000 per yr Based on Employee Election care.
9 Limited Health Spending Account can be used for dental and vision expenses ONLY in conjunction with a Health Savings Account $2,600 per yr Based on Employee Election $5,000 per yr Based on Employee Election Adoption Spending Account may be used for reimbursement for qualified adoption expenses for the adoption of any one eligible child. ($6,000 for special needs children). Employee ASSISTANCE PROGRAM ELIGIBILITY COVERAGE COST OF BENEFIT. Upon Employment Paid by the Employer Employee Assistance Program (EAP) is a short-term counseling program offered to all employees and family living in the same All Employees Up to 5 free counseling visits per issue Employee and Family Members household.
10 Employees and families are encouraged to utilize the program whenever the need arises; whether it's to receive tips on stress FT/PT/On-Call Legal and Financial - one 30 minute free consultation and discounted services management, concerns about elder care issues or ways to build healthy family relationships. Legal/Financial referral services. 401(k) PLAN ELIGIBILITY VESTING % BASED ON YEARS OF SERVICE. 1 year of employment Initial 3% contribution by Immanuel - 100%. Immanuel makes an annual "safe harbor" contribution of 3% of your eligible gross wages into your retirement account.