BENEFIT	WHO RECEIVES	WHEN ELIGIBLE	BENEFITS	WHO PAYS
MEDICAL BENEFITS	Full-time and regular part-time employees. (20+ Hours Per Week)	First day of the fourth month after passing probation, provided that at least 80 hours of employer contributions have been made on the Employee's behalf in each of three consecutive calendar months during that period. Employees must successfully complete a 90-working day/480 hours probationary period.	Deductible (Individual) $150 Deductible (Family) $450 Non-PPO Provider - 80% of covered expenses to $5,000 then 100% to maximum PPO Provider - 85% of allowable expenses Maximum Out-of-pocket - $1,100 per person, plus disallowed charges Lifetime Max: $1,000,000	Hospital and employee
DENTAL BENEFITS	Full-time and regular part-time employees. (20+ Hours Per Week)	First day of the fourth month after passing probation, provided that at least 80 hours of employer contributions have been made on the Employee's behalf in each of two consecutive calendar months during that period. Orthodontia benefits - Employee must be covered under dental benefits for nine consecutive months. Benefits are effective the first of the 10^th month. Employees must complete a 90-working day probationary period.	Basic Services - 100% up to a scheduled maximum Major Services - 100% up to a scheduled maximum Annual Maximum per person - $1,100 Orthodontia - 70% up to $800, 5-year maximum	Hospital and employee
VISION BENEFITS VISION SERVICE PLAN (VSP)	Full-time and regular part-time employees (20+ Hours Per Week)	First day of the fourth month after passing probation, provided that at least 80 hours of employer contributions have been made on the Employee's behalf in each of three consecutive calendar months during that period. Employees must successfully complete a 90-working day/480 hours probationary period.	Co-pay: $10 Exam and lenses - every 12 months. Frames - every 24 months. Eye exam, Single, Biofocal, Trifocal, Lenticular, Frames: 100% of VSP allowable.	Hospital and employee.
WEEKLY TIME LOSS (SHORT-TERM DISABILITY)	Full-time and regular part-time employees. (20+ Hours Per Week)	First day of the fourth month after passing probation, provided that at least 80 hours of employer contributions have been made on the Employee's behalf in each of three consecutive calendar months during that period. Employees must successfully complete a 90-working day/480 hours probationary period.	Weekly benefits: 2/3% of weekly earnings, $110 max. 1^st 6 weeks, $160 max next 20 weeks. Maximum Weeks: 26	Hospital and employee
LONG-TERM DISABILITY	All Full-time and Regular Part-time employees (20+ Hours Per Week)	First of month following eligibility.	66 2/3% of basic monthly earnings not to exceed maximum monthly benefit of $5,000. Minimum monthly benefit is the greater of $100 or 10% of the monthly benefit before deductions for other income benefits.	Hospital.
LIFE INSURANCE	All Full-time, Regular Part-time employees (20+ Hours Per Week)	Full-time employees: First of month following eligibility and receipt of enrollment form.	Based on gross monthly income. $10,000 - $35,000 term life benefit.	Hospital.
ACCIDENTAL DEATH & DISMEMBERMENT BENEFIT	All Full-time and Regular Part- employees (20+ Hours Per Week)	Full-time employees: First of month following eligibility and receipt of enrollment form.	Accidental Death is an amount equal to the in-force life benefit. Dismemberment benefit according to schedule. Seat Belt Rider equals $50,000 or the amount of Accidental Death and Dismemberment benefit, whichever is less.	Hospital
SUPPLEMENTAL LIFE INSURANCE	All Full-time and Regular Part- employees (20+ Hours Per Week)	First of the month after one calendar month of continuous employment. Employee and spouse must apply for coverage.	Additional term insurance from a minimum of $10,000 to a maximum of $250,000 in increments of $10,000 for employee and spouse. During Open Enrollment employee may purchase $100,000 without physical. Employee may purchase $30,000 coverage for spouse without physical and $10,000 coverage for children.	Employee.
PENSION	Full-time and regular part-time employees. (20+ Hours Per Week)	Contributions must be made on the participant's behalf for 60 of the 84 months immediately proceeding retirement.	Retirement benefits under terms of the plan. 5 years vesting.	Hospital.
EARNED LEAVE (PAID TIME OFF) ACCRUAL (PTO)	All Full-time and Regular Part-time employees (20+ Hours Per Week)	Immediately.	Approximately 28-30 days per year based on years of service. Prorated based on hours paid.	Hospital.
EXTENDED SICK LEAVE ACCRUAL (ESL)	All Full-time and Regular Part-time employees. (20+ Hours Per Week)	Immediately.	28 hours maximum per year. Accrual rate will be 0.01346 per straight time hour worked.	Hospital.
EMPLOYEE ASSISTANCE PROGRAM	All Employees.	Immediately.	Up to 3 counseling visits for employee and family members residing in home.	Hospital.
DISCOUNT	All employees.	Immediately.	Cafeteria discount - Twenty percent (20%).	Hospital.