| Benefit | Cost | Eligibility | What You Receive | How You Access |
| Accidental Death & Dismemberment | Based on amount of coverage elected | First day of month following 30 days of employment |
Available for employee and/or family in $10,000 increments up to 10 times employee’s salary (Maximum $500,000) No “double coverage” on family members who both work at CAMC Health System, Inc. |
Enrollment at time of hire or annual enrollment |
| Basic Employee Term Life Insurance | No Cost | First day of month following 30 days of employment |
Coverage of one times annual salary provided to all regular employees at no cost Employer pays up to a maximum of one times annual salary not to exceed $50,000 |
Automatic |
| Child Term Life Insurance | Based on amount of coverage elected | First day of month following 30 days of employment |
Levels of coverage choices are $1,000; $1,500; $2,000; or $2,500 No “double coverage” on family members who both work at CAMC Health System, Inc. |
Enrollment at time of hire or annual enrollment |
| Dental | Shared between employee and employer |
First day of the month after one year waiting period One year wait if initially elected at annual enrollment Two year wait for orthodontics if initially elected at annual enrollment |
Access to a network of Dentist and Dental professionals within the provider’s network | Enrollment at time of hire, annual enrollment, or change in family circumstance |
| Dependent Care Spending Account | Determined by employee | January 1st each year |
Pre-tax annual contributions may range from $24 to $5,000 ($2,500 for employees who are married but file separately) for reimbursement of eligible dependent care expenses FSA Benefit cards offered to employees who elect this benefit Employer contributes up to $160 to either HCSA or DCSA |
Annual enrollment |
| Health Care Spending Account | Determined by employee | January 1st each year |
Pre-tax annual contributions may range from $24 to $3,000 for reimbursement of eligible medical and dental expenses FSA Benefit cards offered to employees who elect this benefit Employer contributes up to $160 to either HCSA or DCSA |
Enrollment during annual enrollment |
| Long Term Disability (LTD) | Based on annual salary |
First day of month after one year of employment Elimination period for accessing this benefit is 90 calendar days of total disability |
If approved, 60% of basic earnings May continue as long as totally disabled up to age 65 |
Enrollment at time of hire or annual enrollment |
| Medical Plan | Shared between employee and employer | First day of month after hire date |
PPO plan with 2 levels of coverage to choose from Access to medical care through the provider’s network |
Enrollment at time of hire, annual enrollment, or change in family circumstance |
| Optional Employee Term Life Insurance | Based on annual salary | First day of month following 30 days of employment |
Option to purchase an additional one to four times annual salary May require approval from the benefit provider |
Enrollment at time of hire or annual enrollment |
| Paid Time Off (PTO) | No Cost | Accrual begins on the first day of employment |
New full-time employees accrue 21 days per year (this includes holidays) Max Accrual: 62 days New part-time employees accrue 5 days per year. Max Accrual: 30 days |
All requests for time off must be approved by department manager |
| Pharmacy | Shared between employee and employer | First day of the month after hire date |
CAMC Employee Pharmacy provides prescription drugs at a discount Delivery service is available for General and Women and Children’s Hospital employees Access to retail pharmacies through the provider’s network |
Enrollment at time of hire, annual enrollment, or change in family circumstance |
| Purchased Paid Time Off (PPTO) | Based on annual salary & number of days elected |
January 1st each year Unused days are paid out during the month of December |
Opportunities to purchase additional days Increased additional days off available with increased years of service |
Enrollment during annual enrollment |
| Retirement Savings Plan 401(k) |
Based on annual salary Employee portion of contribution made through payroll deduction |
At time of employment |
CAMC contributions based on employee contributions & length of service Company contributions will start after one year of employment All contributions are 100% vested |
May contact Fidelity to make changes at any time |
| Short Term Disability (STD) | Based on annual salary and employee’s choice of 60 % or 75% option |
First day of the month after one year of employment Elimination period for accessing this benefit is equal to 40 working hours |
If approved, 60 or 75 percent of base earnings for up to 62 working days when disabled Pro-rata employees - 60 or 75 percent of base earnings, length of benefit based on status |
Enrollment at time of hire or annual enrollment |
| Spouse Term Life Insurance | Based on amount of coverage elected | First day of month following 30 days of employment |
Levels of coverage choices are $5,000; $10,000; $15,000; or $20,000 Requires approval from the benefit provider No “double coverage” on family members who both work at CAMC Health System, Inc. |
Enrollment at time of hire or annual enrollment |
| Vision |
Coordinated with Medical Plan Special discounts through Davis Vision, Inc. |
First day of month after hire date` | Up to $75 towards annual eye exams that do not involve other medical diagnosis | Enrollment in Medical Plan |