MEDICAL INSURANCE:
Provider: Aetna
Employee Cost: $20.00 OR $85.87 Co-Pay per month **
Program: QPOS Plans - Base or Buy-Up
Options: Family/Spouse/Parent-Child(ren)- Coverage at employee cost **
Eligibility Date: First of month after thirty (30) days of employment
(** Specific rates for employees are found on last pages)

DENTAL INSURANCE:
Provider: Delta Dental
Employee Cost: None
Program: Open Dental
Options: Family//Spouse Coverage at employee cost **
Eligibility Date: First of month after thirty (30) days of employment
(** Specific rates for employees are found on last pages)

LIFE INSURANCE:
Provider: Aetna
Employee Cost: None
Program: Two times annual salary (rounded to nearest $1000)
Options: None
Eligibility Date: First of month following date of hire

ACCIDENTAL DEATH AND DISMEMBERMENT:
Provider: Aetna
Employee Cost: None
Options: None
Eligibility Date: First of month following date of hire

SHORT TERM DISABILITY:
Provider: Aetna
Employee Cost: None
Options: None
Eligibility Date: First of month following date of hire

LONG TERM DISABILITY:
Provider: Aetna
Employee Cost: None
Options: None
Eligibility Date: First of month following date of hire

PREMIUM ONLY PLAN:
Provider: ADP
Employee Cost: None
Program: Family/Spouse cost for insurance coverage(medical and/or dental) deducted from employee's pay check before taxes are calculated.
Options: Annualized Program Only
Eligibility Date: When co-pay for medical starts - or upon additional coverage.

DIRECT DEPOSIT:
Provider: NCCHS
Employee Cost: None
Program: Direct Payroll deposits to checking, savings, or credit union accounts
Options: None
Eligibility Date: Two payroll periods following initial sign up

CREDIT UNION:
Provider: Federal Alliance Credit Union
Employee Cost: None
Program: Checking, Savings, Christmas Club, Etc.
Options: Minimum deduction $2.50
Eligibility Date: First payroll following completed paperwork
**Payments to the credit union are done by direct deposit.

PENSION PLAN:
Provider: AXA (Stecher Financial) (403B)
Employee Cost: None
Program: Defined Contribution Plan (Company Contribution)
Eligibility Date: Completion of two years employment and enrollment form.

SUPPLEMENTAL RETIREMENT ANNUITY:
Provider: AXA (Stecher Financial) (403B)
Employee Cost: Variable within IRS guidelines
Program: Pretax Annual Salary Reduction Plan (Payroll deduction)
Eligibility Date: Upon employment or at any time during the year

TUITION REIMBURSEMENT:
Provider: NCCHS
Employee Cost: Cost of Books and other fees
Program: Course must be related to employee's job duties. NCCHS will pay the full cost of tuition if all requirements are met. (must receive a grade of "C" or better).
** Eligibility: Must have completed ninety day probationary period and cannot be on suspension or probation for other reasons.
**Please see personnel handbook for more specific information concerning tuition reimbursement and Master level courses.

EMPLOYEE'S CHILDREN IN PROGRAM:
Provider: NCCHS
Employee Cost: None
Program: Employees children may attend the Head Start program According to specific requirements explained in the NCCHS Personnel Handbook.
Eligibility: Must be a current "Full Time" employee with NCCHS. Must be the legal parent/guardian of the child. The child must be age eligible for the program as defined by Head Start requirements.

STUDENT LOAN APPLICATION:
Provider: U.S. Government
Employee Cost: None
Program: Perkins Loan or NDSL made after July 1, 1987
Eligibility: Minimum employment of one academic year carrying out the educational part of a Head Start program.

**DENTAL PLAN COSTS (DELTA DENTAL) PER MONTH

Effective August 1, 2009. NCCHS, Inc. will pay 100% of the cost for your coverage as an employee. If you select Dependent Coverage, the cost to you is shown below:

Employee Only	$0
Employee + Spouse	23.75
Employee + Child(ren)	18.68
Employee + Family	47.66

**MEDICAL PLAN COSTS (AETNA) PER MONTH

Effective August 1, 2009. NCCHS, Inc. will pay all but $20.00 of the monthly cost for coverage as an employee under the "Base Plan". If you elect Dependent coverage under the "Base Plan" or elect any coverage under the "Buy Up' Plan, the cost to you is shown below:

	"Base Plan"	"Buy Up Plan"
Employee Only	$20.00	$85.87
Employee + Spouse	608.35	741.94
Employee + Child(ren)	548.72	675.43
Employee + Family	1,215.14	1,418.55