PART TIME ASSOCIATES 2010 BENEFITS SUMMARY
This Benefits Summary is provided as a brief review of CROSSMARK’s benefit programs for part-time employees and does not constitute a formal Plan Document. This summary does not contain the full and complete provisions for each plan. Therefore, please refer the benefit Plan Certificate or Summary Plan Description (SPD) for the definition and coverage for each benefit. In the event of any variation between this Benefits Summary and the Plan Certificate or SPD, the provisions of the Plan Certificate or SPD as last amended will control and supersede this Summary. For more information regarding CROSSMARK’s benefit plans, please contact the CROSSMARK Benefits Department. Benefits are subject to change. Associated premiums are included with the enrollment materials and are subject to change.
Sickness and Accident Plan
Cost of Coverage - Employee pays 100% of the cost of coverage
Eligibility
· All Part-time Associates
· Must complete 60 days of employment
· Benefits effective 1st of the month following 60 days of employment
· Coverage will terminate if 4 weeks of premiums are missed
· Plans not available in New Hampshire, Massachusetts, or Vermont
Enrollment Period
· Within 31 days from date of eligibility
· Annual open enrollment period
Medical Coverage
The plan offers three levels of coverage to choose from. Each level provides basic coverage as follows:
Level 1 Benefits
|
Physician Office Visit Co-Pay |
$15 |
|
Outpatient Care |
$100 Deductible per coverage year 80% coverage after deductible Maximum benefit $500 per coverage year |
|
Non-Emergency Care in Emergency Room |
$100 Deductible per occurrence 50% coverage after deductible Maximum $500 per year |
|
Inpatient Care |
100% coverage Maximum benefit $2,000 per coverage year |
|
Additional In-Hospital Surgery and Maternity Benefit |
Covered in inpatient Care |
|
Wellness |
Not covered |
|
Accident Medical Benefit |
$50 Deductible per occurrence 80% coverage after deductible $500 max per occurrence/$1,000 max per cvg. year Maximum 2 occurrences per coverage year |
|
Accidental Death Benefit |
$10,000 |
|
Prescription Discount |
Discount for brand or generic included |
|
Prescription Benefit |
None |
|
Care 24 - Employee Assistance Program/ Nurseline |
24 hour availability, up to 3 face-to-face visits with an EAP counselor per year per condition |
Level 2 Benefits
|
Physician Office Visit Co-Pay |
$15 |
|
Outpatient Basic Medical Expense Benefit |
$100 Deductible per coverage year 80% coverage after deductible Maximum $750 per coverage year |
|
Non-Emergency Care in Emergency Room |
$100 Deductible per occurrence 50% coverage after deductible Maximum $500 per year |
|
Inpatient Care |
100% coverage Maximum $3,000 per coverage year |
|
Additional In-Hospital Surgery and Maternity Benefit |
100% coverage $1,500 surgery per occurrence and $1,500 maternity per occurrence |
|
Wellness |
$20 copay 100% coverage 1 occurrence per coverage year/max $100/cvg. year |
|
Accident Medical Benefit |
$50 Deductible per occurrence 80% coverage after deductible $1,000 max per occurrence/$2,000 max per cvg. year Maximum 2 occurrences per coverage year |
|
Accidental Death Benefit |
$10,000 |
|
Prescription Discount |
Discount for brand or generic included |
|
Prescription Benefit |
Copay: $15 generic, $30 pref. brand Then covered at 100% Max of $200 per coverage year |
|
Care-24 - Employee Assistance Program/ Nurseline |
24 hour availability, up to 3 face-to-face visits with an EAP counselor per year per condition |
Level 3 Benefits
|
Physician Office Visit Co-Pay |
$15 |
|
Outpatient Basic Medical Expense Benefit |
$100 Deductible per coverage year 80% coverage after deductible Maximum $1,000 per coverage year |
|
Non-Emergency Care in Emergency Room |
$100 Deductible per occurrence 50% coverage after deductible Maximum $500 per year |
|
Inpatient Care |
100% coverage Maximum $5,000 per coverage year |
|
Additional In-Hospital Surgery and Maternity Benefit |
100% coverage $2,500 surgery per occurrence and $2,500 maternity per occurrence |
|
Wellness |
$20 copay 100% coverage 1 occurrence per coverage year/max $100/cvg. year |
|
Accident Medical Benefit |
$100 Deductible per occurrence 80% coverage after deductible $2,500 max per occurrence/$5,000 per coverage year Maximum 2 occurrences per coverage year |
|
Accidental Death Benefit |
$10,000 |
|
Prescription Discount |
Discount for brand or generic included |
|
Prescription Benefit |
Copay: $15 generic, $30 pref. brand Then covered at 100% Max of $500 per coverage year |
|
Care-24 - Employee Assistance Program/ Nurseline |
24 hour availability, up to 3 face-to-face visits with an EAP counselor per year per condition |
Dental Assistance (Reimbursement plan)
· Reimbursement after $25 Annual Deductible
· Helps pay for many of the most common Preventive and Basic Dental Procedures
· Member may go to any licensed dentist
Vision Discount Plan (not an insurance plan)
· CIGNA Vision Network Savings Program
· Save up to 40% on frames
· Save up to $5 on routine eye exams and $10 on contact lens exams
Term Life Insurance
· $10,000 Term Life insurance for employee only
· $5,000 spouse benefit and $2,000 benefit for each child
· Must carry Dental coverage to participate
· Benefits reduced by one half at age 70
Short Term Disability
· $125 per week
· Coverage for a maximum of 26 weeks
· Limitations for pregnancy
· Pre-existing condition limitations apply
24-Hour Employee Assistance Program (Included with Medical Coverage)
· Helpful information on a range of health topics
· 24-hour nurse line
· Mental health assistance (includes 3 in-person consultations per year, per condition)
|
Weekly Premiums |
Level 1 Medical |
Level 2 Medical |
Level 3 Medical |
Dental/Vision/Life |
Short Term Disability |
|
Associate Only |
9.16 |
15.58 |
25.05 |
5.39 |
3.57 |
|
Associate + Spouse |
23.16 |
39.68 |
64.03 |
10.14 |
|
|
Associate + Child(ren) |
21.81 |
37.34 |
60.25 |
9.32 |
|
|
Family |
36.26 |
62.21 |
100.50 |
15.13 |
|
CROSSMARK Retirement Plan
Part-Time Associate Eligibility
· Part Time Associates are Eligible
· Associates age 21 or older
· 90 Day Waiting Period
Enrollment
· Daily online at www.crossmark401k.com or by calling The Hartford directly at
1-800-854-0647
Associate Contributions
· Save from 1% to 75% of pay on a pre-tax basis
· Save from 1% to 10% of pay on an after-tax basis
· Total deferrals cannot exceed 85% of pay
Company Match Eligibility
· Must work 1000 hours in 12 months
· 50% of pre-tax contributions up to 6% of eligible compensation
· No match on after-tax savings