EMPLOYEE BENEFITS

Aetna Point of Service Plan (HRA/POS)
EFFECTIVE JANUARY 1, 2009

60-day waiting period

Member Services: 800 702-3862

In Network: $20 office visit copay;

Out of Network: $500 deductible 70/30 coinsurance ($2,500 out of pocket)

Prescription Plan: $15 Generic/$25 Name Brand. A 90-day supply of medication may be purchased at the drugstore for one copay.

Doctor must write the prescription for a 90 day supply of medication in order to obtain this benefit.

Employee contribution required to cover family members; see below for costs.

Hartford Life Insurance

NO COST FOR EMPLOYEE

60 Day Waiting Period

$40,000

Hartford Life Long Term Disability

NO COST FOR EMPLOYEE

60 Day Waiting Period

60% of salary to maximum of $10,000 per month

90 Day Elimination Period

Benefits payable to age 65

Universal Voluntary Life Plan

60 Day Waiting Period

Payroll Deduction

Simplified issued Life Insurance for EE, Spouse and Children

Amounts vary with age and contributions. Contributions start as low as $3 per week and can go as high as $10 per week

401K Plan (See Summary Plan Description link below)

1 year waiting period