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** Under Construction **
5 Star Cares offers the following benefits package to full-time employees:
The Company currently offers three Health Care Plans from which to choose. (1) Optima Vantage (POS 1000 / 25 / 30%) or (2) Optima Vantage (POS 500 /20/ 20%). Both plans require the employee to contribute toward the premium. The third Plan is Optima Vantage (POS Equity 3000 100% HSA), a High Deductible Health Care Plan with a Health Savings Account (HSA), in which the company will contribute for Employee only coverage for those who qualify and elect this plan. Employee only coverage is 100% Company paid. Dependent coverage is available in the three plans and requires the employee to contribute toward the premium.
The Company offers a Dental plan through Lincoln Financial. and the employee is required to make a 50% contribution toward the premium for employee only coverage. The Plan provides 100% coverage for preventative services, 80% coverage for restorative services, and 50% coverage for major dental services. The Plan also has a small annual deductible of $50.00 (3x family max) which is applied first toward restorative and major dental services. The maximum annual benefit provided in a calendar year is $1,250.00 with a Dependent coverage is also available and requires employee contribution toward the premium for that extra coverage as well.
The Company provides Short Term Disability insurance at no cost to the employee. This coverage is provided through Lincoln Financial Insurance Company and provides a benefit equal to 60% of your covered wages (to a weekly maximum of $750.00) for a maximum of 13 weeks. If you have an illness that prevents you from performing your duties, there is a 8-day elimination period before benefits become payable. If your disability is the result of an accident, then benefits become payable day one.
The Company also provides Long Term Disability insurance at no cost to the employee. The coverage is provided through Lincoln Financial Insurance Company and provides a benefit equal to 60% of your monthly earnings up to a maximum of $6,000.00; Benefits under this Plan become payable following 90-days (immediately following Short Term).
Allows the employee to elect additional critical illness coverage for themselves, an eligible spouse, and dependents in increments of $10,000 up to $250,000 ($150,000 Guaranteed if enrolling at initial offer/no future open enrollment). Spouses, up to age 70, can elect up to 50% of your elected amount with guaranteed issue of $30,000. Dependent children can enroll with $10,000.
Employees become eligible for benefits the 1st of the month following 60 days of employment.
The Company realizes the need for employees to take time away from work from time to time. Our policy for Paid Time Off (PTO) is that sick time, vacation time, and personal time are all included into one category. Regular full-time employees who work 40 hours a week accrue PTO at a rate of 8 hours per month the first year of employment. That accrual rate increases to 10 hours per month after your first service anniversary with Wall. It again increases to 12 hours per month after your second anniversary. For employees who work between 32 to 39 hours per week, they will accrue at a proportionally reduced amount.
The Company sponsors a 401(k) Savings Plan whereby an employee may contribute a portion of their salary into the Plan as a supplement to their retirement. You must be at least age 21 and have six months of employment before becoming eligible to participate in the Plan. If you decide to participate, the Company provides a matching contribution equal to 100% on the first four percent of your deferral (example: if you defer 2% of your salary, the Company will match your 2% contribution. If you defer 7% of your salary, the Company Matching Contribution will only be to the maximum of 4% of your salary.) Participants are responsible for the investment of their contributions and our Plan has several investment options from which to choose. Newly eligible participants may enter the Plan on the first day of the calendar month coincident with or next following the time they meet the criteria of 6 months of employment during which 1000 hours of service were also completed.
This is provided as a summary of benefits and does not contain all the provisions of the current plans being offered (including limitations and exclusions). Should anything in this document and the official Plan documents differ in any way, then the provisions in the official Plan documents will prevail.