East Tennessee Children's Hospital

Benefits Option Plan B.O.P	Who Pays	Who is Eligible**	When Eligible	What Employees Receive
Blue Cross/Blue Shield Network P	ETCH & You	FT PT (higher cost)	Beginning of next month if hired by 25th	$30 Co-payment for primary care; $40 Co-payment for specialist . Non-network, $200 deductible and 70-30% coinsurance. Employee +1 and Family coverage available. Premiums pre-tax.
Delta Dental Insurance	ETCH & You	FT PT (higher cost)	After 3 mos.	100% coverage for preventive. 50% coverage for orthodontic services. 80% coverage for basic services & 50% coverage for major services after $75 deductible in-network, $150 deductible out-of-network. Single coverage free to FT employees. Premiums pre-tax.
AIG Life Insurance Critical Illness Insurance	You	FT/PT	At Annual Enrollment	Lump sum for first diagnosis, additional diagnosis & reoccurrence benefits. Covers broad range of conditions ie: heart attack, stroke & kidney failure. Can cover spouse/children on the same plan. Premiums post-tax.
Spectera Vision Ins.	You	FT/PT	After 3 mos.	Small co-payment to receive exam and materials from network providers. Allowances for out of network providers. Premiums pre-tax
SunLife Term Life Insurance	ETCH	FT	After 3 mos.	1 1/2 annual salary to maximum of $100,000. Additional coverage also available.
ING Whole Life Insurance	You	FT	At Annual Enrollment	Traditional life insurance product that offers certain guarantees with lasting protection. The guarantees include fixed level premiums, death benefits, and cash values. Premiums post-tax.
Disability Insurance	ETCH	FT	After 6 mos.	Long-term disability benefits (60% of salary after 6 months of total disability).
Flexible Spending Accounts	You	FT/PT	At Annual Enrollment	Special accounts to set aside pre-tax dollars to pay health care and/or dependent care expenses.
Medical Waiver Option	ETCH	FT	After 3 months	Must be covered under another group health plan. After 90 days, ETCH will pay for premiums for voluntary benefits. At Annual Enrollment, you would receive $1,800 annually to pay for voluntary benefits and the remainder would go into a flex spending account if hired prior to Feb. 1st of current year.
Other Benefits:
Credit Union	You	FT/PT	At Once	Savings and loan resource.
Discounts
Cafeteria Central Services Pharmacy Hospital Care	ETCH & You	All	At Once	Discount on purchases and services.
Education
In-service	ETCH	All	At Once	On-the-Job training and continuing education available on a regular basis.
Assistance	ETCH	FT/PT	After 6 mos.	Full-time: 18 Semester hrs/yr, Part-time: 9 Semester hrs/yr.
Health
Health Services	ETCH & You	All	At Once	Physical at time of employment, Flu shots, TB assessment, tetanus boosters, vaccines, as appropriate. Physician referrals
Leave
Funeral	ETCH	FT PT	At Once	Up to 3 days (24 hours max) for immediate family. One day (8hrs max) for immediate family
Paid Time Off	ETCH	FT/PT-prorated	After 3 mos.	See page 59 in employee handbook for individual accruals.
Sick	ETCH	FT/PT-prorated	After 3 mos.	See page 63 in employee handbook for individual accruals.
Jury Duty	ETCH	All	At Once	Pay at regular rate for time missed.
Parking
Employee Parking	ETCH	FT/PT	At Once	Employee parking garage, free with hang tag and access card
Retirement
403(b)	ETCH & You	FT/PT	At Once	Federal tax savings at time of deduction, through both fixed and variable mutual fund options, with payments made at retirement. Up to 4% employee contributions matched 50% by employer after one year of employment.
Pension Plan	ETCH	1,000 hrs/yr 21 years of age	After 1 year	Defined contribution retirement income. Employer matching contributions included.
**Full time: 60 or more authorized hours per pay period, Part time: 30 to 59 authorized hours per pay period, PRN: occasional as needed. In addition to those benefits required by law: worker's comp.(paid by ETCH), unemployment comp. (paid by ETCH), and soc. sec. (paid by ETCH and the Employee). Revised: 3/2007