$100,000 – Benefit payable upon death if employee was traveling on EKPC business.
A confidential counseling program available to employees, their spouse and eligible dependent children for issues such as: divorce, marital problems, depression, drug or alcohol abuse, financial difficulties. Participants are allowed eight free visits per year, per individual, per issue.
An employee after-tax savings plan to establish regular savings account, IRA, or ROTH IRA.
Available the first day the employee starts to work. Employees earn one day of sick leave per month of employment during the first calendar year of employment. (Example) if an employee starts to work in June of 2009, they would be eligible for seven days of sick leave the first day they started to work, however, they only earn one day per month. For example that if they take 7 days of sick leave before December of 2009 and are off sick for 3 days in December, they will not be paid for those 3 days because they had already used their sick leave for the year. On January 1, 2010 the same employee would be eligible for 12 days of sick leave for the year 2010. Sick leave will continue to accumulate. Three Sick Leave Days may be used as three Personal Days per year (employees are eligible after completing six months of employment).
An association that acknowledges significant events in an employee's life such as birth, marriage, etc. Employees may join the association by paying an annual $5.00 membership fee.
Full-time employees, their spouses, and eligible dependents may become members by investing $5.00 or more and completing an enrollment form. Secured by shares loans do not require a waiting period; however, employees must be a member of the credit union for six months before they may apply for other loans.
If you are called to jury duty you will be excused from work for the required period of time.
EKPC's policy is consistent with the requirements of local, state and federal laws governing employees entering and returning from military service.
Time off varies from 4-24 hours depending on employee's relationship to deceased.
(Civic or Professional Organizations)
Educational information is made available to all employees.
Recreational activities (from summer picnics, volleyball, basketball, to children's Santa parties) are posted for employee participation at each location.
EKPC will reimburse 50% of a qualified program's cost, not to exceed $200. Two separate occasions per individual are allowed; this benefit is for employee and spouse only.
Nine days per year - New Years Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day & Friday following Thanksgiving, Christmas Eve, Christmas Day, and a Floating Holiday (taken at employee's discretion after completing six months of employment).
Employee, spouse or dependents may purchase at employee's cost through payroll deduction. (Employee may only purchase at time of employment or during the open enrollment period in November.)
(Administrative Policy A015) Prohibits employees from using, possessing, distributing and being under the influence of illegal drugs and/or alcohol in the workplace.
A corporate-wide random drug testing policy went into effect starting in April 2001. The number of random drug tests conducted annually will be equal to at least 25% of the number of employees. The number of random alcohol tests conducted annually will be equal to at least 10% of the number of employees.
The policy also includes pre-employment drug testing, accident testing, reasonable suspicion testing, and rehabilitation and treatment.
Allows employee to pay medical premiums, dependent dental and vision plan premiums, unreimbursed medical, dental and vision expenses as well as dependent care expenses from pre-tax dollars. Employee may enroll or re-enroll for the following year during open enrollment in November.
This plan allows employee pre-tax contributions only after 30 days. Payroll deductions can begin after the first of the month following the 30-day waiting period. Employer contributions do not begin until after the one-year waiting period.
EKPC offers a Preferred Provider Organization (PPO) Plan at rates shown on the attached Summary of Medical Benefits Comparison.
Rates are taken from 24 paychecks on a pre-tax basis. See attached Summary for basic coverage.
[For employed spouses to be covered without limitations on the EKPC plan, they are required to participate in their employer's group medical insurance plan as primary coverage. Single coverage on the spouse is all that is required, spouses do not have to enroll in family coverage. Does not apply to spouse working part-time]
NOTE: If employee has 20 years of service at retirement, EKPC will pay 50% of their retiree medical premium until the retiree reaches age 65. At that time, Medicare will become primary for the retiree's claims and coverage through EKPC will end for retiree and any covered dependents.
This benefit is included in the medical plan and allows employees and eligible dependents to purchase prescription drugs through participating pharmacies or by mail order. See the attached Summary of Medical Benefits Comparison for co-pays.
EKPC offers an indemnity plan. See the attached Summary of Dental Benefits for premiums and basic coverage.
Additional Life Insurance and AD&D for employee, spouse or dependents may be purchased at employee's cost through payroll deduction. (Employee may only purchase at time of employment or during the open enrollment period in November.)
The dental deductible is $25 per individual, no more than $50 per family per year. The maximum benefit per year per participant is $1,500. Claims are reimbursed at the following rates for reasonable and customary eligible expenses:
Preventive - 100% (not subject to deductible) which includes cleanings, x-rays and exams
Routine - 80% which includes fillings & root canals
Major Restorative - 60% which includes crowns, partials or dentures
Employees can change dependent coverage during open enrollment in November.
*Rates are based on 24 pay periods on a pre-tax basis.
See the attached Vision Summary of Benefits for premiums and basic coverage.
The vision plan does not cover special types of lenses such as anti-glare, anti scratch, tint etc. Progressive lenses (no line bifocals) are covered.
*Rates are based on 24 pay periods on a pre-tax basis.
NOTE: If the employee does not elect coverage on self &/or any dependents when they first become
eligible(and remain in the plan), certain benefit restrictions apply for the first 12 months an employee or eligible participant is brought into the plan for the first time.
This is a tuition reimbursement program which pays tuition for formalized course studies at accredited institutions and distance learning programs.
provided at no cost to the employee.
two times annual base salary, rounded to next $1,000
NOTE: If employee has 20 years of service at retirement, EKPC will pay 50% of their $10,000 retiree life insurance premium
$10,000-spouse
$10,000-children up to age 19; or age 25 if attending school
This benefit provides 2/3 of an employee's base salary in effect on the date of disability. Benefits will be coordinated with Social Security, worker's compensation, and retirement benefits. This coverage begins after a 90 day waiting period.
New employees are eligible for vacation after 180 calendar days of employment at the following accruals:
If employed in: |
after 180 days of employment,
this much vacation is available: |
January |
80 hours in July in same calendar year |
February |
80 hours in August in same calendar year |
March |
80 hours in September in same calendar year |
April |
72 hours in October in same calendar year |
May |
64 hours in November in same calendar year |
June |
56 hours in December in same calendar year |
July |
128 hours in January of second calendar year of employment |
August |
120 hours in February of second calendar year of employment |
September |
112 hours in March of second calendar year of employment |
October |
104 hours in April of second calendar year of employment |
November |
96 hours in May of second calendar year of employment |
December |
88 hours in June of second calendar year of employment |
After completing 12 months of employment with EKPC, effective January 1 of the second calendar year of employment, the accrual is as follows:
Full Calendar Year of Employment Completed |
Vacation Earned |
2nd through 5th |
80 hours |
6th |
88 hours |
7th |
96 hours |
8th |
104 hours |
9th |
112 hours |
10th |
120 hours |
11th |
128 hours |
12th |
136 hours |
13th |
144 hours |
14th |
152 hours |
15th and after |
160 hours |
Employees can carry over 80 vacation hours into the next year. The payroll period date nearest the employment or separation date, as the case may be, shall be used as the basis for computing vacation days.
This retirement plan is funded by employer contributions and also employee pre-tax contributions by payroll deduction. Employee contributions begin after the first of the month following the one-year waiting period.
EKPC will fund 6% of the employee's base wages into their 401k account
EKPC will also match 100% of the employee's contribution up to 4 percent of base salary.
NOTE: Approved rollovers from a previous employer's qualified pension plan(s) are allowed prior to one year's employment.
Any new full time employee will participate in a two-day orientation process during their first month of employment. The program is explained below.
To welcome the employee and to provide a complete overview of EKPC, its member systems, and the electric industry.
To create a safe working and comfortable learning environment while building a lasting and valued relationship.
To teach basic use of applicable EKPC communication tools such as the telephone (including voice-mail), e-mail, the intranet, the internet, pagers, etc.
To set clear, mutual expectations of EKPC and the employee.
To offer resources, help, and growth for each employee.
2012 SUMMARY
OF MEDICAL BENEFITS COMPARISON |
|
(IN-NETWORK) |
(OUT-OF-NETWORK) |
Not subject to reasonable & customary |
Subject to reasonable & customary |
ANNUAL MAXIMUM BENEFIT |
$3,000,000 |
$3,000,000 |
ANNUAL DEDUCTIBLES
(3 per family max) |
$400 Inpatient or Outpatient
(whichever comes first) |
$800 Inpatient or Outpatient
(whichever comes first) |
OUT-OF-POCKET EXPENSE MAXIMUM
(2 per family) (excludes deductibles) |
$1,200 |
$3,000 |
|
|
|
PATIENT SERVICES* |
|
|
|
$25 co-pay |
70% after deductible |
|
100% of covered services |
100% of covered services
|
|
100% of covered services |
70% deductible waived |
|
|
90% after deductible |
70% after deductible |
|
100% of covered services, deductible waived |
100% of covered services, up to $500, then 70% deductible waived |
Allergy Serum and Allergy Injections |
90% after deductible |
70% after deductible |
|
|
|
INPATIENT HOSPITAL CARE* |
|
|
|
90% after deductible |
70% after deductible |
|
90% (included in hospital bill) |
70% (included in hospital bill) |
|
|
|
OUTPATIENT HOSPITAL CARE* |
|
|
|
90% deductible waived |
70% deductible waived |
-
Emergency Room (co-pay covers hospital charges only)
-
ER Physician (non-surgical)
|
$100 co-pay (per visit), then 100% covered services, deductible waived |
$100 co-pay (per visit), then 100% covered services, deductible waived |
-
Therapy (physical/occupational/rehabilitation)
|
90% after deductible |
70% after deductible |
|
|
|
EMERGENCY SERVICES* |
|
|
|
90% deductible waived |
90% deductible waived |
|
90% after deductible |
90% after deductible |
|
|
|
OTHER SERVICES* |
|
|
-
Durable Medical Equipment (crutches, etc)
|
90% after deductible |
70% after deductible |
|
90% after deductible |
70% after deductible |
|
90% after deductible |
70% after deductible |
|
$25 co-pay |
70% after deductible |
|
90% after deductible |
70% after deductible |
|
90% after deductible |
70% after deductible |
|
|
|
MENTAL HEALTH |
|
|
|
90% after deductible |
70% after deductible |
|
90% after deductible |
70% after deductible |
SUBSTANCE ABUSE |
|
|
|
90% after deductible |
70% after deductible |
-
Substance Abuse – outpatient (40 visits per year)
|
90% after deductible |
70% after deductible |
|
|
|
Working Spouse policy applies |
|
|
COST (pre-tax deductions taken from 24 pay periods)
Employee Only $ 20.63
Employee + spouse 63.39
Employee + child(ren) 56.36
Family 90.92 |
|
|
PRESCRIPTION DRUGS
$2,000 maximum out-of-pocket per yr.
(Excluding Specialty Drugs)
|
|
90 day supply
Mail Order or Retail |
|
|
|
|
|
|
|
|
|
Proton Pump Inhibitor (Ulcer or GERD drugs):
Prilosec over-the counter no-co-pay for 30 day supply
Step Therapy Program Required for brand name drugs |
|
|
SPECIALTY DRUGS
Pre-authorization/clinical review Required
Co-pay 20% up to $100 per prescription
$1,500 maximum out-of-pocket per year |
|
|
* Maternity is covered the same as any other illness (limited to Employee and Spouse only)
|
Benefit |
Calendar Year Deductible (per person) |
$25 per person |
Calendar Year Deductible (per family) |
$50 per family (Each family member of the family may contribute any amount up to $25 toward the Family Calendar Year Deductible.) |
Maximum Benefits |
|
Calendar year maximum benefit per person |
$1,500 per person |
Maximum benefit per service |
Reasonable and Customary Charge |
Preventive & Diagnostic Services
(2 cleanings per year, xrays etc) |
100% of eligible Reasonable and Customary Charges for covered services, Calendar Year Deductible waived. |
Routine Services
(fillings, extractions etc) |
80% of eligible Reasonable and Customary Charges for covered services, after Calendar Year Deductible. |
Major Restorative Services
(crowns, bridgework, dentures etc.) |
60% of eligible Reasonable and Customary Charges for covered services, after Calendar Year Deductible. |
Orthodontia (braces) |
Not covered under this Plan. |
Payroll Deduction Rate
(pre-tax deductions taken from 24 pay periods) Per pay period amounts |
Employee only: Free
Employee plus one dependent: $13.31
Employee plus more than one dependent: 26.62 |
|
Benefit |
Eye Examinations |
100% of eligible Reasonable and Customary Charges, maximum one exam every calendar year. |
Lenses or Contacts (1)
(tinted, photosensitive, antireflective lenses are not covered) |
100% of eligible Reasonable and Customary Charges, maximum two lenses every calendar year. |
Disposable Contact Lenses (1) |
100% of eligible Reasonable and Customary Charges, up to a 12-month supply every calendar year. |
Frames |
100% of eligible Reasonable and Customary Charges, maximum one set every 2 years; maximum $60 benefit. |
Maximum Benefit per Service |
Reasonable and Customary Charges |
Payroll Deduction Rate
(pre-tax deductions taken from 24 pay periods) Per pay period amounts |
Employee only: $ 5.14
Employee plus spouse: 11.29
Employee plus child(ren): 12.54
Family: 18.19 |
Benefit is limited to either 2 lenses or 2 contact lenses or a 12-month supply of disposable contact lenses every 12 consecutive months. A twelve-month supply is defined by the specific manufacturer's recommended usage guidelines.
|
