Time Off

Full-Time Employees

	Anniversary	Vacation (on anniversary date)	ChoiceTime	Total Paid Days Off Each Year
	Date of hire up to 1st anniversary	0	7 (1 day earned per month up to a maximum of 7 days)	7
	1st – 4th anniversary	10	7 (on anniversary date)	17
	5th – 9th anniversary	15	7 (on anniversary date)	22
	10th – 19th anniversary	20	7 (on anniversary date)	27
	20th anniversary and beyond	25	7 (on anniversary date)	32

	Floating Holidays
	In addition to the six designated holidays, full-time employees eligible for holiday pay also will receive one floating holiday each year, granted on the date of their anniversary. Employees can use the floating holiday for a federal, state, religious or regional holiday not listed above.

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Health Insurance

Medical, Dental, and Prescription Drug coverage is offered as a packaged benefit only. Employees and their covered dependents must enroll in the same plan - either PPO300, PPO600 or EPO.

	Medical
	Provider			UnitedHealthcare Choose from PPO300, PPO600, or EPO coverage.
	Cost			Tobacco and non-tobacco rates Premiums payroll deducted pretax
	Effective Date			1st day of the 3rd month following first day of work as a full-time employee.
	PPO300			UnitedHealthcare's PPO is a national network of selected hospitals, doctors and other health care providers who agree to supply health care services at reduced costs.
	Office Copay			Primary Care: $20 (In-Network) Specialty Care: $35 (In-Network)
	Wellness Benefit			$350 maximum per person, per calendar year
	Deductibles			In-Network: $300/individual per calendar year $600/family per calendar year Out-of-Network: $600/individual per calendar year $1200/family per calendar year
	Plan Pays			In-Network: 90% after deductible Out-of-Network: 60% after deductible
	Out-of-Pocket Limits			In-Network: $1200/individual per calendar year $2400/family per calendar year Out-of-Network: $2400/individual per calendar year $4800/family per calendar year
	PPO600			UnitedHealthcare's PPO is a national network of selected hospitals, doctors and other health care providers who agree to supply health care services at reduced costs.
	Office Copay			Primary Care: $20 (In-Network) Specialty Care: $40 (In-Network)
	Wellness Benefit			$350 maximum per person, per calendar year
	Deductibles			In-Network: $600/individual per calendar year $1200/family per calendar year Out-of-Network: $1200/individual per calendar year $2400/family per calendar year
	Plan Pays			In-Network: 80% after deductible Out-of-Network: 60% after deductible
	Out-of-Pocket Limits			In-Network: $1800/individual per calendar year $3600/family per calendar year Out-of-Network: $3600/individual per calendar year $7200/family per calendar year
	EPO			UnitedHealthcare's EPO is a local network of health care providers including Primary Care Physicians (PCPs), specialists, hospitals and ancillary services, who offer predictable and lower out-of-pocket health care costs. Primary Care Physician (PCP) follows care and no referrals are necessary to see a specialist in the EPO network.
	Office Copay			Primary Care: $25 (EPO Network) Specialty Care: $50 (EPO Network)
	Wellness Benefit			unlimited
	Deductibles			none
	Plan Pays			90% after copays and admission fees
	Out-of-Pocket Limits			$1000/individual per calendar year $2000/family per calendar year

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	Dental
	Provider			Delta Dental of Missouri (Delta Dental Premier Plan)
	Cost			Included in the cost of medical coverage
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Deductible			Individual: $50 Family: $100  (combined for basic and major restorative care)
	Maximum			$1000 yearly maximum per patient for covered dental services and supplies $1500 lifetime maximum for orthodontia care (for dependent children through age 18)
	Plan Pays			100% of diagnostic and preventive care (no deductible) 80% of basic restorative care; oral surgery for impacted and unimpacted teeth (subject to deductible) 50% of major restorative care (subject to deductible) 50% of orthodontia care up to $1500 lifetime maximum for dependent children through age 18 (no deductible)

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Vision Benefits

	Vision
	Provider			EyeMed Vision Care
	Cost			Premiums payroll deducted pretax
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Benefit			Member pays copay or discounted balance for professional eyecare services and products when visiting in-network providers

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Life and Disability Insurance

	Basic Life Insurance and AD&D
	Provider			MetLife
	Cost			No cost to employee
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Benefit			Basic Life Insurance = 1.5 x previous calendar year wages ($25,000 minimum, $350,000 maximum) AD&D Benefit = Doubles basic life insurance benefits for accidental death or pays percentage for dismemberment.

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	Long-Term Disability
	Provider			Unum
	Cost			Employees are taxed on the LTD premium, and would, therefore, receive LTD benefits tax free
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Eligibility			Total disability for 90 calendar days
	Benefit			60% of previous calendar year wages

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Flexible Spending Accounts

	Flexible Spending Accounts
	HCSA			Health Care Spending Account
	Third Party Administrator			ADP Benefit Services
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Benefit			Pay for qualifying health care expenses with pretax dollars
	Minimum Contribution			$130
	Maximum Contribution			$5000
	DCSA			Dependent Care Spending Account
	Third Party Administrator			ADP Benefit Services
	Effective Date			1st day of the 3rd month following first day of work as full-time employee
	Benefit			Pay for qualifying dependent care expenses with pretax dollars
	Minimum Contribution			$130
	Maximum Contribution			$5000 ($2500 if married filing separately)

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Retirement Savings Plan
(applicable to non-union employees only)

	401(k) and Profit Sharing
	Plan Recordkeeper			Fidelity Investments www.401k.com
	Eligibility			401(k) - 1st day of the 3rd month following first day of work (full-time and part-time employees) Profit Sharing - 1st day of month following completion of one year of continuous service which includes 1,000 hours of service
	Enrollment			401(k) - Eligible employees can enroll at www.401k.com or by calling Fidelity at 800-835-5095 Profit Sharing - Eligible employees are automatically enrolled
	Contributions			401(k) - Employee pretax deferrals: 1-100% of compensation, limited to $16,500 in 2010; company match: 100% of employee deferral up to 3% of compensation; rollover from previous employer's qualified plan; catch-up contribution for participants age 50 and over limited to $5,500 in 2010 Profit Sharing - Discretionary, based on company profitability; allocated to participants employed on the last day of plan year based on a percentage of wages
	Vesting			Years of Service 1 2 3 4 5 6 Vested Percentage 0 20 40 60 80 100
	Loans (401(k))			Minimum $1,000, Maximum: 50% of employee contributions up to $50,000

Retirement Savings Plan For Union Employees

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Choice Time

	ChoiceTime is provided to eligible part-time employees. Part-time employees become eligible for ChoiceTime after one year of cumulative service.
	Earning ChoiceTime			Eligible part-time employees earn one eight-hour ChoiceTime day for every 400 hours worked during the payroll calendar year up to a maximum of four days per year.
	Using ChoiceTime			Employees are encouraged to use ChoiceTime days in the calendar year in which they are earned. In the event there are any days remaining at the end of the calendar year, an employee is required to use those days before January 31 of the following year.

More Benefits

	LifeManage- ment Program			Magellan Health Services, 800-number, 24-hour confidential EAP counseling and work/life resources for employees and eligible dependents
	Adoption Assistance			Maximum reimbursement of $4,000 for Qualified Adoption Expenses
	Car Rental Discounts			Flat rate or percentage-off retail discounts available for employees, spouses, eligible domestic partners, children, parents, grandparents, siblings, in-laws and other relatives