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Time Off
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Holidays |
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All company offices recognize six holidays: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Christmas Day
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Floating Holidays |
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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
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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.
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Medical |
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Provider |
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UnitedHealthcare Choose from PPO300, PPO600, or EPO coverage. |
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Cost |
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Tobacco and non-tobacco rates
Premiums payroll deducted pretax |
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Effective Date |
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1st day of the 3rd month following first day of work as a full-time employee. |
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PPO300 |
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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. |
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Office Copay |
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| Primary Care: |
$20 (In-Network) |
| Specialty Care: |
$35 (In-Network) |
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Wellness Benefit |
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$350 maximum per person, per calendar year |
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Deductibles |
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| 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 |
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Plan Pays |
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| In-Network: |
90% after deductible |
| Out-of-Network: |
60% after deductible |
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Out-of-Pocket Limits |
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| 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 |
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PPO600 |
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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.
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Office Copay |
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| Primary Care: |
$20 (In-Network) |
| Specialty Care: |
$40 (In-Network) |
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Wellness Benefit |
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$350 maximum per person, per calendar year |
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Deductibles |
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| 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 |
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Plan Pays |
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| In-Network: |
80% after deductible |
| Out-of-Network: |
60% after deductible |
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Out-of-Pocket Limits |
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| 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 |
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EPO |
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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. |
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Office Copay |
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| Primary Care: |
$25 (EPO Network) |
| Specialty Care: |
$50 (EPO Network) |
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Wellness Benefit |
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unlimited |
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Deductibles |
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none |
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Plan Pays |
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90% after copays and admission fees |
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Out-of-Pocket Limits |
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$1000/individual per calendar year $2000/family per calendar year |
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Dental |
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Provider |
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Delta Dental of Missouri (Delta Dental Premier Plan) |
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Cost |
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Included in the cost of medical coverage |
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Effective Date |
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1st day of the 3rd month following first day of work as full-time employee |
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Deductible |
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| Individual: |
$50 |
| Family: |
$100 |
| (combined for basic and major restorative care) |
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Maximum |
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$1000 yearly maximum per patient for covered dental services and supplies
$1500 lifetime maximum for orthodontia care (for dependent children through age 18)
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Plan Pays |
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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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Prescription Drug |
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Provider |
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Express Scripts |
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Cost |
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Included in the cost of medical coverage |
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Effective Date |
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1st day of the 3rd month following first day of work as full-time employee |
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Copays-Generic |
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| Pharmacy: |
$10 (up to 30-day supply) |
| Home Delivery: |
$20 (up to 90-day supply) |
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Copays-
Formulary |
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| Pharmacy: |
$30 (up to 30-day supply) |
| Home Delivery: |
$60 (up to 90-day supply) |
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Copays-
Non-Formulary |
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| Pharmacy: |
$45 (up to 30-day supply) |
| Home Delivery: |
$90 (up to 90-day supply) |
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Vision Benefits
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Vision |
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Provider |
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EyeMed Vision Care |
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Cost |
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Premiums payroll deducted pretax |
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Effective Date |
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1st day of the 3rd month following first day of work as full-time employee |
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Benefit |
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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
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Basic Life Insurance and AD&D |
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Provider |
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MetLife |
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Cost |
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No cost to employee |
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Effective Date |
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1st day of the 3rd month following first day of work as full-time employee |
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Benefit |
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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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Supplemental Life Insurance |
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Employee |
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Optional Life Insurance |
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Provider |
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MetLife |
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Cost |
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Calculated using age, tobacco/non-tobacco and annual fiscal pay |
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Benefit |
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First-time plan entry allows employee to purchase additional life insurance at 1x, 2x, 3x, 4x, 5x, or 6x annual pay (Basic and Optional Life combined cannot exceed $1,500,000 maximum)
Future plan entry limited to 1x annual pay
Future increases limited to next coverage level |
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Spouse/Child |
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Dependent Life Insurance |
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Provider |
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MetLife |
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Cost |
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| Spouse: |
$25,000/$.53 per biweekly pay period
$50,000/$1.06 per biweekly pay period |
| Child: |
$10,000/$.46 per biweekly pay period
$20,000/$.92 per biweekly pay period |
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Benefit |
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First-time plan entry allows employee to purchase life insurance for spouse at $25,000 or $50,000; child at $10,000 or $20,000
Future plan entry limited to first coverage level Future increases limited to next coverage level
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Long-Term Disability |
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Provider |
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Unum |
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Cost |
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Employees are taxed on the LTD premium, and would, therefore, receive LTD benefits tax free |
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Effective Date |
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1st day of the 3rd month following first day of work as full-time employee |
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Eligibility |
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Total disability for 90 calendar days |
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Benefit |
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60% of previous calendar year wages |
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Flexible Spending Accounts
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Flexible Spending Accounts |
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HCSA |
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Health Care Spending Account |
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Third Party Administrator |
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ADP Benefit Services |
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Effective Date |
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1st day of the 3rd month following first day of work as full-time employee |
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Benefit |
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Pay for qualifying health care expenses with pretax dollars |
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Minimum Contribution |
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$130 |
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Maximum Contribution |
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$5000 |
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DCSA |
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Dependent Care Spending Account |
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Third Party Administrator |
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ADP Benefit Services |
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Effective Date |
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1st day of the 3rd month following first day of work as full-time employee |
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Benefit |
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Pay for qualifying dependent care expenses with pretax dollars |
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Minimum Contribution |
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$130 |
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Maximum Contribution |
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$5000 ($2500 if married filing separately) |
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Retirement Savings Plan
(applicable to non-union employees only)
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401(k) and Profit Sharing |
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Plan Recordkeeper |
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Fidelity Investments www.401k.com |
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Eligibility |
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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
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Enrollment |
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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 |
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Contributions |
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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 |
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Vesting |
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| Years of Service |
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| Vested Percentage |
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20 |
40 |
60 |
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100 |
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Loans (401(k)) |
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Minimum $1,000, Maximum: 50% of employee contributions up to $50,000 |
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Retirement Savings Plan For Union Employees
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Choice Time
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ChoiceTime is provided to eligible part-time employees. Part-time employees become eligible for ChoiceTime after one year of cumulative service. |
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Earning ChoiceTime |
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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.
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Using ChoiceTime |
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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. |
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More Benefits
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LifeManage-
ment Program |
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Magellan Health Services, 800-number, 24-hour confidential EAP counseling and work/life resources for employees and eligible dependents |
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Adoption Assistance |
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Maximum reimbursement of $4,000 for Qualified Adoption Expenses
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Car Rental Discounts |
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Flat rate or percentage-off retail discounts available for employees, spouses, eligible domestic partners, children, parents, grandparents, siblings, in-laws and other relatives |
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