Benefits

Health Insurance

Plan Options

  • PPO Medical Plan (BCBS)
    • Option 102 or Option 306
  • HSA available with Option 306 plan only
  • No Coverage

Coverage Categories

  • Employee Only
  • Employee & Spouse
  • Employee & Children: Covers employee and his/her eligible dependents
  • Employee & Family: Covers employee, spouse, and eligible dependents

Eligibility

  • 1st of the month following 30 days of employment

Eligible dependents (spouse and children)

  • Children who were covered under this Contract as an Eligible Dependent on or after May 1, 2010, are allowed to continue coverage up to age 26, notwithstanding marriage, absence of student status, or financial dependency on the Subscriber. In addition, any Subscriber whose coverage is first effective June 1, 2010 or later may enroll his/her child who is under age 26 and who was not previously covered under this Contract, notwithstanding marriage, absence of student status, or financial dependency on the Subscriber.

Coverage benefit

Plan Option 102:

  • DSI will cover 80% of employee premium up to $600
  • DSI will cover 50% of employee & spouse, employee & children, or employee & family premium up to $850

or Plan Option 306:

  • DSI will cover 80% of employee premium up to $350
  • DSI will cover 50% of employee & spouse, employee & children, or employee & family premium up to $500

Critical Illness Supplement

Plan Options

  • Allstate Insurance

Coverage Categories

  • Employee, spouse and children

Eligibility

  • 1st of the month following 30 days of employment

Amount of Insurance

  • $10,000

Amount of Insurance (Buy up)

  • $20,000

Coverage Benefit

  • DSI will cover 100% of the employee base Critical Illness Supplement
  • Employee will be responsible for additional Buy up premium and other family members

Voluntary Accident Supplement

Plan Options

  • Allstate Insurance

Coverage Categories

  • Employee, Spouse, Children

Eligibility

  • 1st of the month following 30 days of employment

Amount of Insurance

  • Low (employee/spouse/child)
    • $40,000/$20,000/$10,000
  • High (employee/spouse/child)
    • $60,000/$30,000/$15,000

Coverage Benefit

  • Employee will be responsible for premiums

Dental/Vision Insurance

Plan Options

  • Ameritas Insurance Company

Coverage Categories

  • Employee Only
  • Employee – Spouse
  • Employee and child(ren) Covers employee and his/her eligible dependents
  • Family Coverage Covers employee, spouse, and eligible dependents

Eligibility

  • 1st of the month following 30 days of employment

Coverage Benefit

  • DSI will cover 100% of employee premium
  • Employee will be responsible for other categories

Life Insurance and AD&D

Plan Options

  • Lincoln Financial Group

Coverage Categories

  • Employee Only

Eligibility

  • 1st of the month following 30 days of employment

Amount of Insurance (Life)

  • Salary Employee (One times annual salary)
  • Hourly Employees (Hourly rate times 2080 hrs)
  • Maximum insurance $100,000

Amount of Insurance (Accidental Death and Dismemberment)

  • Salary Employee (One times annual salary)
  • Hourly Employees (Hourly rate times 2080 hrs)
  • Maximum insurance $100,000

Amount of Insurance (Short Term Disability)

  • 60% of weekly salary, max $1,000 per week
  • Maximum benefit of 13 weeks

Other Features

  • Survivor Support
  • Portability
  • Conversion

Coverage Benefit

  • DSI will cover 100% of employee premium

Voluntary Life Insurance and AD&D

Plan Options

  • Lincoln Financial Group

Coverage Categories

  • Employee, Spouse, Children

Eligibility

  • 1st of the month following 30 days of employment

Amount of Insurance (Life)

  • Employee Max = 5 times annual salary
  • Spouse Max = 50% of coverage election of Employee
  • Children = $10,000 per child

Amount of Insurance (Accidental Death and Dismemberment)

  • Employee Max = 5 times annual salary
  • Spouse Max = 50% of coverage election of Employee
  • Children = $10,000 per child

Other Features

  • Survivor Support
  • Portability
  • Conversion

Coverage Benefit

  • Employee will be responsible for premiums

401k Retirement

Plan Options

  • Mutual of Omaha Retirement Services

Eligibility

  • You must have completed 6 months of service and be at least 21 years of age.

Enrollments

  • Quarterly on January 1, April 1, July 1, and October 1 after eligibility requirements are met.

Employee Contributions

  • Up to $18,000 (2015); with a catch-up limit of $6,000 (2015) for those over 50
  • Pre-tax, after-tax, or both

Employer Contributions

  • Dollar-for-dollar up to 3% of annual compensation; plus 50% on the next 2% of your compensation.

Vesting

  • Safe Harbor contributions and earnings 100% immediate. Employer’s profit sharing contributions and earning will follow vesting schedule.

Loans

  • Not permitted by law.

Distributions

  • May only occur in the event of: retirement, death, disability, termination of employment, hardships.

Other Benefits

Paid Holidays (Not included in Hourly Employee Pay Structure)

  • 7 ½ Standard holidays
  • See Offer Letter for details

Paid Time Off (Not included in Hourly Employee Pay Structure)

  • See Offer Letter for details

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