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Benefit
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Who Receives
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Who Pays
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When Eligible
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What You Receive
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Health Insurance
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Employees who are benefits eligible.
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ASH & employee
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First of month following 30 days of employment
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Offer Avera Choice Health Plan, as well as 4 tiers of coverage to fit your family situation. Premiums based on longevity of service and whether full or part-time status.
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Dental Insurance
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Employees scheduled at least 36 hours per pay period
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ASH & employee
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First of month following 30 days of employment
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Comprehensive individual and family dental insurance coverage through Delta Dental.
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Basic Group Term Life Insurance
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Employees scheduled at least 36 hours per pay period
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ASH
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First of month following 30 days of employment
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Term life insurance equal to two times annual base salary. Accidental Death and Dismemberment also equal to time times annual base salary.
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Supplemental Life Insurance
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Employees scheduled at least 36 hours per pay period
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Employee
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First of month following 30 days of employment
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Optional life coverage offered to the employee. May add coverage for spouse and eligible dependent children. First time offered is a guaranteed issue up to certain dollar limit.
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Long Term Care Insurance
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Employees scheduled at least 36 hours per pay period
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Employee
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First of month following 30 days of employment. First time offered is a guaranteed issue.
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Optional long-term care insurance for employee, spouse, parents, parents-in-law, grandparents and grandparents-in-law. Choice of 4 plans offered.
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Long Term Disability
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Employees scheduled at least 36 hours per pay period
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Employee
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First of month following 30 days of employment. First time offered is a guaranteed issue.
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Provides income replacement of 60% of gross earnings after 90 days of disability, up to a maximum of $10,000 per month. Payments continue until no longer disabled or reach age 67, whichever happens first.
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Flexible Spending Accounts Program (Section 125)
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Employees scheduled at least 36 hours per pay period
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Employee
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First of month following 30 days of employment
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Premium Conversion Accounts – Payroll deducted health and dental insurance premiums automatically paid with pre-taxed dollars
Spending Accounts – Employees may set up spending accounts to pay for their unreimbursed medical care expenses and/or dependent care expenses with pre-tax dollars.
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College Access 529 Savings Plan
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All employees
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Employee
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Immediately
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Invest after-tax dollars for future college expenses
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Voluntary Benefits
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Employees scheduled at least 36 hours per pay period
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Employee
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First of month following 30 days of employment
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Optional Critical Illness, Accident and Cancer Insurance for employees and their dependents
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Worker’s Compensation
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All employees
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ASH
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Upon employment
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Medical care and lost work time income for reported on-the-job injuries in accordance with state law
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