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January 1, 2011

EAST KENTUCKY POWER COOPERATIVE

Winchester, Kentucky

BENEFITS STATEMENT FOR EKPC APPLICANTS

IMMEDIATE BENEFITS UPON EMPLOYMENT PROVIDED AT NO COST TO EMPLOYEE:

  • Business Travel Insurance:  $100,000 – Benefit payable upon death if employee was traveling on EKPC business.
  • Employee Assistance Program:  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.

 

  • Homestead Funds:  An employee after-tax savings plan to establish regular savings account, IRA, or ROTH IRA.
  • Sick Leave:  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.  This means 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). 

 

  • Employees Association:  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.
  • Credit Union Membership:  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.

 

  • Jury Duty:  If you are called to jury duty you will be excused from work for the required period of time.
  • Military Leave:  EKPC’s policy is consistent with the requirements of local, state and federal laws governing employees entering and returning from military service.

 

  • Funeral Leave:  Time off varies from 4-24 hours depending on employee’s relationship to deceased.
  • Dues and Professional Fees:  (Civic or Professional Organizations)

 

  • Health & Wellness Activities:  Educational information is made available to all employees.
  • Social Activities:  Recreational activities (from summer picnics, volleyball, basketball, to children’s Santa parties) are posted for employee participation at each location.

 

  • Smoking Cessation program:  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.
  • Holiday Pay:  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).
  • Allstate Cancer Insurance:  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.)

 

  • Drug Free Workplace Policy:  (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.

 

Benefits Available after thirty days employment:

  • Section 125 Cafeteria Plan (Flexible Spending Accounts):  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.

 

benefits available after Ninety days employment:

  • Medical:  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.] 

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.

  • Prescription Drug Program:  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.

 

  • Dental Insurance:  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.

 

  • Vision Insurance:   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.

  • Educational Assistance Program:  This is a tuition reimbursement program which pays tuition for formalized course studies at accredited institutions and distance learning programs.

benefits available after 3 months employment:
provided at no cost to the employee.

  • Basic Group Term Life Insurance and AD&D for 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
 

  • Dependent Group Term Life Insurance
  • $10,000-spouse
  • $10,000-children up to age 19; or age 25 if attending school

 

  • Long Term Disability Insurance:  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.
 
BENEFITS AVAILABLE AFTER 180 DAYS OF EMPLOYMENT
  • Vacation:    New employees are eligible for vacation after 180 calendar days of employment at the following accruals:

                                          after 180 days of employment,
If employed in:                   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 Years                                 Vacation
of Employment Completed                      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.

 

benefits available after One year employment:

 

  • 401k Pension Plan:  This retirement plan is funded by employer contributions and also employee pre-tax contributions by payroll deduction. 
  • 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.

 

 
NEW EMPLOYEE ORIENTATION

Any new full time employee will participate in a two-day orientation process during their first month of employment.  The program is explained below.

  • New Employee Orientation:  TEAMING WITH EXCELLENCE

 

The purpose:

  • 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.

2011 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)

$300 Inpatient or Outpatient
         (whichever comes first)

$300 Inpatient or Outpatient
         (whichever comes first)

OUT-OF-POCKET EXPENSE MAXIMUM
(2 per family)    (excludes deductibles)  

$1,200

$3,000

 

 

 

PATIENT SERVICES*

 

 

  • Doctor visits

$20 co-pay

70% after deductible

  • Diagnostic lab & x-ray (non-surgical)
  • Diagnostic lab & x-ray (surgery related)

100% of covered services
100% of covered services

100% of covered services
70% deductible waived

  • Preventive Care (employee, spouse, & children)                        
    (Includes routine immunizations)

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*

 

 

  • Semi-private Room/Board/Misc Services

90% after deductible

70% after deductible

  • Emergency Room (leads to hospital stay)

90% (included in hospital bill)

70% (included in hospital bill)

 

 

 

OUTPATIENT HOSPITAL CARE*

 

 

  • Outpatient surgery

90% deductible waived

70% deductible waived

  • Emergency Room (co-pay covers hospital charges only)
  • ER Physician (non-surgical)

$50 co-pay (per visit), then 100% covered services, deductible waived

$50 co-pay (per visit), then 100% covered services, deductible waived

  • Therapy (physical/occupational/rehabilitation)

90% after deductible

70% after deductible

 

 

 

EMERGENCY SERVICES*

 

 

  • Ambulance (ground or air)   (inpatient)

90% deductible waived

90% deductible waived

  • Ambulance (ground or air)   (outpatient)

90% after deductible

90% after deductible

 

 

 

OTHER SERVICES*

 

 

  • Durable Medical Equipment (crutches, etc)

90% after deductible

70% after deductible

  • Prosthetic Appliances (artificial limbs)

90% after deductible

70% after deductible

  • Chemotherapy & Radiation Therapy

90% after deductible

70% after deductible

  • Chiropractic   ($1,000 per year)

$20 co-pay

70% after deductible

  • Home Health  (60 visits per year)

90% after deductible

70% after deductible

  • Hospice

90% after deductible

70% after deductible

 

 

 

MENTAL HEALTH

 

 

  • Mental Health-inpatient (30 days per year max)

90% after deductible

70% after deductible

  • Mental Health – outpatient (40 visits per year)

90% after deductible

70% after deductible

SUBSTANCE ABUSE

 

 

  • Substance Abuse – inpatient (30 days max)

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)
30 day supply  

90 day supply

Mail Order or Retail

Generic
$10    
$20
Formulary Brand
$25 
$50
Non-formulary Brand 
$40  
$80 

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)


DENTAL SUMMARY OF BENEFITS

 

 

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 for late enrollees and re-enrollees *

$200 per person for the first 12 months of coverage

Limited benefit for new employees, late enrollees and re-enrollees *

Not eligible for some major restorative services during the first 12 months of coverage.

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

VISION SUMMARY OF BENEFITS

 

 

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.

 


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Last modified: 05/03/2001