General
Health Insurance
Dental Insurance
Term Life Insurance
Accidental Death & Dismemberment
Short Term Disability - Company Paid Benefit
Long Term Disability
Flexible Spending Accounts
Coverage through Colonial Life Insurance Co.
Domestic Partner
Retirement Plan
Wellness Programs

GENERAL

An employee is eligible for benefits if they work at least 80% of the unit's full time hours. Full time employees working less than 100% of the unit workweek will be prorated for benefit dollars. The effective date for benefits is the first of the month following three months of full-time employment.

The benefit structure has two components. First, RHD provides benefit dollars based on a percentage of salary. The employee may use these benefit dollars any way they choose. In addition, to assist with health insurance premiums, RHD pays a portion of those monthly premiums, from 30% - 100%,based on the level of coverage. If they waive all benefits, the entire amount is added to their paychecks, and taxed accordingly. If the benefits chosen cost less than the allotted amount, the difference is added to their paycheck. If the benefits chosen are greater than the benefit dollars, a salary reduction for the difference will be taken from the employee's paycheck.

Here, in brief, is a list of insurance options available through the group plan:

HEALTH INSURANCE

Comprehensive coverage, including prescriptions, is available in all states.

DENTAL INSURANCE

Two levels of coverage are available.

TERM LIFE INSURANCE

Guaranteed issue to new hires, term life insurance is available from $10,000 to $50,000. Rates are based on age.

ACCIDENTAL DEATH & DISMEMBERMENT

Pays a benefit to beneficiary in the event of accidental death only, or pays benefit to employee for loss of limb. Less expensive than term life insurance.

SHORT TERM DISABILITY

Pays a benefit to beneficiary in the event of accidental death only, or pays benefit to employee for loss of limb. Less expensive than term life insurance.

LONG TERM DISABILITY

Provides coverage when STD benefits stop. Premium is based on employee's salary. Guaranteed issue to new hires. Pre-existing condition clause for health treatments in the three months prior to enrollment.

FLEXIBLE SPENDING ACCOUNTS

FSA's are not insurance coverage. They are tax-free accounts that can be used for specific medical, dependent care, and/or transportation expenses not covered by insurance.

COVERAGE THROUGH COLONIAL LIFE INSURANCE CO.

Supplemental Disability - In addition to the 60% of Short-term Disability, Colonial Life offers the opportunity to purchase an additional 40% coverage, thereby providing 100% of your salary should you be disabled.

Universal Life Insurance - If additional life insurance is needed, Colonial offers supplemental policies based on your insurance needs.

Accident Insurance - Helps offset the direct and indirect expenses resulting from an accident, such as co-payments, deductibles, and other costs not covered by traditional health plans.

Cancer Coverage - Helps pay the direct or indirect costs of cancer. These plans offer screening benefits that encourage regular health exams

DOMESTIC PARTNER

Most insurances cover domestic partners (same sex included) as spouses. There is a domestic partner form to be completed, and three forms of proof that the employee and partner reside together and are committed six months or more. More information is enclosed.

RETIREMENT PLAN

RHD offers a 403b plan through Great West Retirement Co. Money can be deducted on a pre-tax basis to be placed in various mutual funds.

WELLNESS PROGRAMS

RHD is committed to the health of its employees by providing opportunities for fitness throughout the corporation. Weight Watchers, yoga and exercise classes, and annual health fairs are a few examples of this initiative.

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