a non-profit, comprehensive,
community mental health service

Benefits Summary: FY 2009 - 2010

1. Health Insurance

Employees scheduled to work a minimum of 17.5 hours per week are eligible for a choice of four plans:  four Health Maintenance Organization plans (HMO).

The current coverage is available through Anthem Health Insurance.

The level of benefit provided depends on the plan chosen.

Eligibility:  First of the month following three months of service
Cost to Employee:  Based on scheduled hours and type of coverage.

2. Dental Insurance

Employees scheduled to work a minimum of 17.5 hours per week may elect group dental insurance.  The current group coverage is available through Northeast Delta Dental Insurance Company.

Eligible preventive services are covered at 100% of the reasonable and customary charges.  Eligible dental treatments for basic and major/restorative care are paid at 80% and 50% respectively, after a $50 calendar year deductible ($150 per family).  The calendar year maximum benefit for all covered dental services is $1,000 per person.

Eligibility:  First of the month following three months of service
Cost to Employee:  Based on scheduled hours and type of coverage.

3. Life Insurance

Employees scheduled to work a minimum of 17.5 hours per week receive life insurance equal to the employee’s annual base salary, rounded up to the next thousand dollars to a maximum of $50,000.

Accidental Death and Dismemberment (AD & D) is also provided and is equal to the employee’s basic life insurance.

The insurance carrier is CIGNA Insurance Company.

Eligibility:  First of the month following three months of employment
Cost to Employee:  None

4. Long Term Disability

Employees scheduled to work a minimum of 28 hours per week receive long-term disability insurance.  In the event an employee becomes totally disabled, benefits begin after 90 days of disability.

The benefit is equal to 60% of salary up to a maximum of $8,000 per month.

The current carrier is CIGNA Insurance Company.

Eligibility:  First of the month following three months of employment
Cost to Employee:  None

5. Tax Sheltered Annuity

Monadnock Family Services may make a discretionary contribution to the plan at the end of the fiscal year.  The contribution, if any, shall be a percentage of your salary as determined by MFS.

Employees are 100% vested in contributions made by the Agency.

The current provider of the plan is Principal Financial Group.

Eligibility:  After one year of service with a minimum of 910 hours
Cost to Employee:  None

6. Sick Time

Employees who are regularly scheduled to work a minimum of 17.5 hours per week accrue sick time monthly up to 12 days annually.

Sick time is prorated for part-time employees.

Sick time is to be used for the employee’s personal illness, medical or dental appointments or injury.

Eligibility:  Following one month of employment
Cost to Employee:  None

7. Vacation Time

Employees who are regularly scheduled to work a minimum of 17.5 hours per week accrue vacation time monthly up to 12 days annually for the first year of employment.

Vacation time is prorated for part-time employees.

After the first year, employees earn 2 additional vacation days per year up to a maximum of 22 days annually after 6 years of service.

Eligibility:  Following three months of employment
Cost to Employee:  None

8. Holidays

Employees who are regularly scheduled to work a minimum of 17.5 hours per week are eligible to receive 11 paid holidays per year.  The Holiday Schedule is determined and approved by the CEO each year.

The following is a list of the approved holidays for 2010:
New Year’s Day
Civil Rights’ Day
President’s Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veteran’s Day
Thanksgiving Day
Day after Thanksgiving
Christmas Day

Eligibility:  Upon hire
Cost to Employee:  None

Additional Benefits Include:

Pre-tax deductions for Employee cost of medical & dental insurance

Bereavement Days
Employee Assistance Program
Direct Deposit

Employee Deduction Options:

Flexible Spending Accounts

Tax Sheltered Annuity

The above information provides only a brief summary of each benefit.  If you have benefit questions or would like additional details, please contact Human Resources: 283-1570  or  283-1574.