Benefits

Health Insurance

• Effective Date

Once your application for insurance has been accepted, coverage will become effective on the first day of the month following two calendar months of affiliation with the company. (For example, with an affiliation date of February 14, coverage becomes effective May 1.)

• Brief Description of Coverage

The Plan provides comprehensive hospital and major medical insurance coverage. Participants can choose to go to PPO or non-PPO providers of medical services. When using a PPO provider, participants will pay a lower percentage of the co-insurance, a lower deductible, and a lower annual maximum co-insurance amount. Owner/operators have two plans to chose from depending on the amount of deductible desired: either $500.00 or $1,000.

• Prescription Drug Benefits

The company provides a prescription drug card plan as part of the health benefit program.

• Coverage Election Period

Owner/Operators have up to 31 days from their affiliation date in which to elect health coverage. Once made, the election is generally fixed until the next open enrollment period as designated by the company. However, if undergoing a family status change (as defined in the Plan document), the Owner/Operator may make a mid-year change in coverage (for example, the employee may change coverage from individual to family or from family to individual, add or delete dependents or revoke coverage), provided this is done within 31 days from the date of the change in family status. It is the Owner/Operator's responsibility to contact the company's Benefits Representative to determine if a family status change qualifies under the Plan document and IRS regulations and to make a change in coverage.

• Effective Date

Once
your application has been accepted, coverage will become effective on
the first day of the month following two calendar months of affiliation
with the company. (For example, with an affiliation date of February
14, coverage becomes effective May 1.)

• Brief Description of Coverage

Participants will pay a percentage of the co-insurance and deductible based on the type of procedure performed.

• Coverage Election Period

Owner/Operators
have up to 31 days from their affiliation date in which to elect dental
coverage. Once made, the election is generally fixed until the next
open enrollment period as designated by the company.

• Effective Date

Once your application has been accepted, coverage will become effective on the first day of the month following two calendar months of affiliation with the company. (For example, with an affiliation date of February 14, coverage becomes effective May 1.)

• Brief Description of Coverage

Participants have nationwide access to numerous vision care providers. It is to the Owner/Operator's advantage to use a designated provider of services to receive maximum benefits.

• Coverage Election Period

Owner/Operators are automatically provided the annual examination benefit and do not need to sign an application form. However, Owner/Operators desiring additional coverage for themselves or dependents, as described in the Plan Description, have up to 31 days from their affiliation date in which to elect additional vision coverage. Once made, the election is generally fixed until the next open enrollment period as designated by the company.

• Effective Date

Once your application has been accepted, coverage will become effective on the first day of the month following two calendar months of affiliation with the company. (For example, with an affiliation date of February 14, coverage becomes effective May 1.)

• Brief Description of Coverage

Owner/Operators will be entitled to life insurance coverage with a face value of $20,000 until the first of the month following one year of service, at which time the coverage will increase to $50,000. This Plan also offers an accelerated life benefit payable in the event of a terminal illness and the ability to purchase additional voluntary life insurance for themselves or dependents.

• Coverage Election Period

Owner/Operators have up to 31 days from their starting date of affiliation with the company in which to elect group coverage. Owner/Operators may purchase the voluntary life insurance at any time provided they participate in the group life insurance plan.

Short-Term Disability Insurance

• Effective Date

Owner/Operators are entitled to Short-Term Disability benefits the first of the month following one year of service.

• Brief Description of Coverage

Disability coverage is for non-work related sickness or injury. The Short-Term Disability Plan has a maximum benefit period for a limited number of weeks, subject to a 30-day elimination period. The weekly benefit amount is generally 60 percent of the Owner/Operator's weekly wage/salary, subject to a maximum weekly limit.

• Coverage Election Period

The Owner/Operator is automatically provided Short-Term Disability benefits and does not need to sign an application form for enrollment.

Owner/Operators have up to 31 days from their starting date of affiliation with the company in which to elect Short-Term Disability coverage. Once made, the election is generally fixed until the next open enrollment period as designated by the company.