We
know that individual circumstances differ; so we have made the majority
of our benefits elective: employees decide whether or not to participate
in the plans offered. Those who choose to participate make premium contributions
for medical and dental insurance on a pre-tax basis within a "Section
125 - Cafeteria Plan."  offers
four medical plans - Blue Choice, Blue Choice Select, Blue Cross Blue Shield, Via Health and Preferred Care and one dental plan – SmileSaver (See attached rates).
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Few
of us can maintain our lifestyle without a regular paycheck. The risk of
disability is actually higher than you might think. At every age during
your career the risk of becoming disabled is higher than the risk off death.
Yet, more people own life insurance policies than those who own long-term
disability (LTD) insurance.
LTD coverage,
by Hartford Group Life Company, is provided for all full-time employees.
In case of disability, disbursements begin after the State disability
coverage ends (after 90 days) and covers up to 60% of the gross annual
salary, income tax free.
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also provides a 401(k) retirement plan. All our employees are immediately
eligible for the plan and are fully vested. The employee chooses the dollar
amount to defer and the fund options which best fit their lifestyle. The
deferral amount and allocations can be modified at any time.
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All
salaried employees are entitled to 8 paid holidays and 12 paid vacation
days per year. Vacation time is accrued at the rate of one day per month
after the first of each month. Days can be used as soon as they are earned.
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,
unlike most others in our business, provides added value to our employees
by offering direct deposit, membership in the Summit Federal Credit Union
and a candidate referral incentive program.
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Single
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Family/2
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Family NS
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Family 3+
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M
E
D
I
C
A
L
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Blue
Choice Preference
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$272.05
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$616.12
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$697.01
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$732.95
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Blue
Choice Select
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$308.05
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$698.63
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$764.14
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$803.60
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Blue
Choice Plus
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$281.15
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$636.86
|
$696.88
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$732.38
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Blue
Choice Value
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$259.25
|
$586.61
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$641.44
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$674.40
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Blue
Choice Essential
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$200.13
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$450.68
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$513.30
|
$539.68
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Preferred
Care Basix
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$158.67
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$357.02
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N/A
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$412.56
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Preferred
Care Opportunity w/o Rx
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$205.52
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$462.41
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N/A
|
$534.35
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Preferred
Care Opportunity w/ Rx
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$224.35
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$504.77
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N/A
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$583.30
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Preferred
Community
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$288.18
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$648.42
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N/A
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$749.29
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Via
Health Select
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$300.20
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$680.53
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$744.28
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$782.74
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Finger
Lakes
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$296.54
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$672.30
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$735.20
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$773.26
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Dental
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Smile
Saver
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$29.04
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$77.25
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$77.25
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$77.25
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Family/2: Husband
And Wife, Or One Parent And One Child
- Family NS: One Parent
And More Than One Child
- Family 3+: Husband
And Wife And One Or More Children
* Rates as of 1/1/2005, Rates are subject to change.
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