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FULL BENEFITS (PDF, 250K) Employee Benefits Contents 125 PREMIUM ONLY PLANS 4 MEDICAL & PRESCRIPTION INSURANCE 4 TELEMEDICINE 7 DENTAL INSURANCE 9 HEALTHCARE FLEXIBLE SPENDING ACCOUNT 10 QUALIFIED EXPENSES 11 DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT 12 AFLAC 13 401(k) SAVINGS PLAN 14 HOLIDAYS 15 EARNED TIME OFF 16 SERVICE AWARDS 17 EXTENDED SICK TIME 18 RHODE ISLAND PAID SICK & SAFE LEAVE 18 OVERTIME 19 TUITION REIMBURSEMENT 20 FREE ASL CLASSES 20 DIRECT SUPPORT PROFESSIONAL MENTOR PROGRAM 21 REFERRAL BONUS PROGRAMS 22 LEAVE OF ABSENCE 23 WORKERS COMPENSATION 23 BEREAVEMENT 23 JURY DUTY 24 DIRECT DEPOSIT OF PAYROLL 24 ANNUAL BIG BASH 24 VERIZON WIRELESS DISCOUNT 25 EMAIL & WEBSITE ACCESS 25 COMMUNITY PARTICIPATION 25 CLOSING REMARKS 25 Page | 2 Employee Benefits At Perspectives Corporation we recognize our ultimate success depends on our talented and dedicated workforce. We offer a variety of employment opportunities, 24 hours a day, 365 days a year. We pride ourselves on maximizing the talents of our employees so that the services we provide to people with intellectual and developmental disabilities are the best they can be. We understand the contribution each employee makes to our accomplishments and so our goal is to provide a comprehensive program of competitive benefits to attract and retain the best employees available. Through our benefits programs we strive to support the needs of our employees and their dependents by providing a benefit package that is easy to understand, easy to access and affordable for all our employees. This brochure will help you choose the type of plan and level of coverage that is right for you. For enrollment information or other benefits related questions, please contact the Benefits Director, Rita Shah, at [email protected] or 401-294-3990, extension 215. Page | 3 Employee Benefits 125 PREMIUM ONLY PLANS Under this plan, an employee with medical and/or dental deductions will be able to pay their share of the cost by reducing their pay on a pre-tax basis. The deduction amount is not subject to Federal income, State income, or Social Security taxes. Your Social Security benefits may be reduced minimally, due to the fact that you receive pre-tax benefits under this plan. It is important to note that the tax advantages realized today generally outweigh the small impact on your Social Security. MEDICAL & PRESCRIPTION INSURANCE Who’s eligible? . Employees who work a minimum of 30 regular hours per week are eligible the first of the month following 30 days of employment. Employees’ children until the end of the month in which they reach age 26. Once they are no longer eligible, due to age, they will be offered COBRA for up to 36 months. Page | 4 Employee Benefits MEDICAL & PRESCRIPTION INSURANCE How much does health insurance cost? The pre-tax, bi-weekly payroll deduction amounts for the 4/1/2021- 3/31/2022 contract are as follows: Hours / Position Individual Family 30 – 34 Hours $76 $366 35 Hours or More $76 $308 Field/Site Supervisor or > 5 Years $76 $251 Program Managers or Service Coordinators $76 $194 Employees with Family Health coverage who complete 5 consecutive years of full-time employment will see a reduction in their payroll deduction for these benefits, on the pay date associated with the full-time date tracked by the Human Resources Department. What’s covered? Perspectives Corporation offers medical & RX coverage through United Healthcare. The following chart is a brief outline of the plan. Please refer to the summary plan description for complete plan details. Things to Know About Your Plan . You must designate a Primary Care Provider for you and your enrolled dependents . A referral from your Primary Care Provider is needed for most services, prior to having your visit . Providers in the Designated Network will cost you less out of pocket . Services provided in a free-standing facility (not hospital based or owned by the hospital) will cost you less out of pocket Page | 5 Employee Benefits MEDICAL & PRESCRIPTION INSURANCE Click here for ASL Interpretation UnitedHealthcare Insurance Company Annual Deductible In-Network Benefits Individual $500 Family $1,000 Coinsurance 100% Maximum Out-of-Pocket Individual $6,850 Family $13,700 Physician Office Visit Annual Well Visit $0 Primary Care $10 copay Specialty Care Designated Network: $30 copay / Network: $50 copay Diagnostic Services Lab Tests (Freestanding/Hospital Based) $25 copay / $75 copay X-Ray (Freestanding/Hospital Based) $50 copay / $150 copay Complex Radiology (Freestanding/Hospital Based) $200 copay / $600 copay Urgent Care and Emergency Room Urgent Care $30 copay per visit Emergency Room $250 copay per visit waived if admitted Hospital Services Inpatient Facility Charges 100% after deductible Outpatient Surgery 100% after deductible Retail Pharmacy (30 Day Supply) 30-day retail 90-day retail 90-day mail Tier 1 $10 copay $30 copay $25 copay Tier 2 $50 copay $150 copay $125 copay Tier 3 $75 copay $225 copay $225 copay Tier 4 10% after deductible Not Covered Not Covered Page | 6 Employee Benefits TELEMEDICINE Click here for ASL Interpretation Teladoc is the Second and largest provider of telehealth medical consultants in the United States, giving you 24/7/365 access to quality medical care through phone and video consults (where available). Here are some frequently asked questions regarding Teladoc: What is the cost to use Teladoc? There is no cost to employees and their children to access this service. We have elected to pay the full cost of the Teladoc program at this time for employees and dependents also enrolled in the UHC medical plan. What kind of medical care does Teladoc provide? When requesting a consult, you can choose between general medical, behavioral health or dermatology. Does Teladoc replace my doctor? No! Teladoc does not replace your primary care physician. Teladoc should be used when you need immediate care for non-emergent medical issues. It is an affordable, convenient alternative to urgent care and ER visits. How do I request a consult to talk to a doctor? Visit the Teladoc website (www.teladoc.com), log into your account and click “Request a Consult”. You can also call Teladoc to request a consult by phone (1-800-Teladoc) How do I set up my Teladoc account? Setting up your account is a quick and easy process online. Visit the Teladoc website and click “Set Up Account”. Follow the online instructions. Page | 7 Employee Benefits TELEMEDICINE How frequently can I call Teladoc? You can contact Teladoc up to 3 times within 90 days for the same medical condition. On the fourth inquiry for the same condition, you will be re-directed to your Primary Care Physician to determine if you have a chronic condition that needs additional treatment. You can contact Teladoc up to a maximum of 10 times within a one-year period per covered individual. Can Teladoc doctors write a prescription? Yes, Teladoc doctors can prescribe short-term medications for a wide range of conditions when medically appropriate. Teladoc doctors do NOT prescribe substances controlled by the DEA, non- therapeutic and/or certain other drugs, which may be harmful because of potential abuse. Who are Teladoc doctors? Teladoc doctors are U.S. board certified in Internal Medicine, Family Practice or Pediatrics. They average 15 years of experience, are licensed in your state, and incorporate Teladoc into their day- to-day practice to provide people with convenient access to quality medical care. Page | 8 Employee Benefits DENTAL INSURANCE Who’s eligible? . Employees who work a minimum of 35 regular hours per week are eligible the first of the month following 30 days of employment. Employees’ spouses. Employees’ children until the end of the year in which they reach age 19. Once they are no longer eligible, due to age, they will be offered COBRA for up to 36 months. How much does dental insurance cost? . Employee only dental coverage is free! . Family dental is available at $13.17 every two weeks. Employees with Family Dental coverage who complete 5 consecutive years of full-time employment will see a reduction in their payroll deduction for these benefits to $4.87 every two weeks, on the pay date associated with the full-time date tracked by the Human Resources Department. What’s covered? Click here for ASL Interpretation. Delta Dental of Rhode Island Annual Maximum In-Network Benefits Per Person $1,200 Preventive Care/Diagnostic Oral Examinations 100% (1X/year) Cleanings 100% (2x/year) Full Mouth X-rays 100% (1x/5 years) Bitewing X-rays 100% (1x/year) Basic Restorative Fillings 100% (composite filings on front teeth only) Endodontics 100% (once per tooth, per lifetime) Simple Extractions 100% Major Restorative Periodontics 50% Crowns 50% Bridges 50% Orthodontia Dependents up to age 19 50% up to a lifetime maximum of $1,200 Page | 9 Employee Benefits HEALTHCARE FLEXIBLE SPENDING ACCOUNT What is it? This plan is administered through Basic New England and allows you to save by using “pre-tax” dollars to pay for eligible healthcare expenses. A Healthcare Flexible Spending Account gives you more disposable income by reducing the taxes you pay, every paycheck. Depending on your tax bracket, estimated tax savings range from 15% to 30% of the dollars you set aside. Upon submission of receipts to Basic New England for eligible expenses, the employee will be reimbursed for their costs from the pre-tax dollars they have set aside. Who’s eligible? . Employees who work a minimum of 20 regular hours per week are eligible the first of the month following 30 days of employment. Employees’ spouses. Employees’ children until the end of the year in which they reach age 26. How much can I elect? This benefit, with a $2,650 maximum election, runs for a calendar year, must be renewed annually, and cannot be changed in that year, once elected.
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