Benefits

BENEFITS

Medical (including vision and prescription) – Member Insurance offers employees a PPO plan (Choice Plus) sponsored by United Healthcare.  Medical benefits are effective the first of the month following the date of hire. The cost to the employee varies depending upon which tier of coverage is needed (employee only, employee + spouse, full family, etc).  Member Insurance strives to keep employee paid portions of the medical premiums reasonable and stable while providing the best coverage possible.  Employees contribute a portion of their medical premium through payroll deduction.

Dental – Member Insurance offers a dental PPO plan through Principal Life Insurance Company. The cost to the employee varies depending upon which tier of coverage is needed (employee only or family). Employees contribute a portion of their dental premium through payroll deduction.

Short Term Disability (STD) – Member Insurance offers a 100% employer paid premium short-term disability program through Principal Life Insurance Company.  This coverage is available to full-time employees scheduled to work at least 30 hours a week and is effective the first of the month following 90 days of employment.

Long Term Disability (LTD) – Member Insurance offers a 100% employer paid premium long-term disability program through Principal Life Insurance Company. This coverage is available to full-time employees scheduled to work at least 30 hours a week and is effective the first of the month following 90 days of employment.

Life and Accidental Death or Dismemberment – Member Insurance offers a 100% employer paid premium plan for life insurance in the amount of two times your annual salary up to $250,000. Additional voluntary Life/AD&D coverage may be purchased by the employee for themselves and their dependents.

Flexible Spending Account/Unreimbursed Medical Expenses – Member Insurance offers a pre-tax savings plan for unreimbursed medical expenses, including vision, dental, doctor visit co-pays, prescription co-pays and some over the counter medications.

Flexible Spending Account/Dependent Day Care – Member Insurance offers a pre-tax savings plan to be used for costs associated with dependent day care (both child and elder care).

Off-The-Job Accident –Member Insurance offers a voluntary accident insurance plan that includes an annual wellness ride through Transamerica. This plan will pay benefits in addition to any other coverage the employee may have in place.

Benefits Continuation – The Federal Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees and their qualified beneficiaries the opportunity to continue health insurance coverage under Member Insurance’s health plan when a qualifying event results in the loss of eligibility.

Retirement Savings Plan-401(k) – Employees are eligible to participate in the company plan on the first of the month following completion of 6 full months of employment.  Deductions of up to 60% of an employee’s gross salary may be made through payroll deduction into a tax-deferred retirement savings plan but not to exceed IRS annual limitations.  The company will match 75 cents/dollar deferred up to the first 8% of your contributions.

Vacation Days – New employees earn their 1st day of vacation beginning with the first of the month following the completion of one continuous month of employment. Vacation is earned at the rate of 1 day per month of service for the first 10-months of each year. Ten days vacation may be earned after the first year of service; 15 days may be earned beginning in the 5th year; and 20 days may be earned beginning in the 14th year.

Sick Days – Member Insurance provides, annually, six paid sick days to all eligible employees for periods of temporary absence due to illnesses or injuries. The six days will be adjusted on a pro-rata basis for those employees beginning their first year of employment.  Employees can request use of paid sick time after the date they become eligible to receive sick leave benefits, which is the first of the month after start date.

Holidays – Member Insurance offers 10 paid holidays annually.

Jury Duty – Member Insurance encourages employees to fulfill their civic responsibilities by serving jury duty when required. Member Insurance provides eligible employees with their regular wages while serving/attending Jury Duty for a period of up to 5 business days, or as required by state law.

Bereavement Leave – Up to 3 days of paid bereavement leave will be provided to eligible employees.  A fourth day will be provided if travel exceeds 150 miles.

Employee Assistance Program – Member Insurance offers access to confidential counseling on a wide variety of issues through our Employee Assistance Program administered by Workplace Solutions.

Employee Referral Program – Member Insurance will pay an employee up to a total of $1000 if we hire a person they have referred and the new hire successfully completes 6 months of service.

Credit Union – Member Insurance offers membership in a credit union, through payroll direct deposit.  Credit union privileges include checking and savings accounts, bank credit cards, and unsecured loans.

Continuing Education – Member Insurance recognizes that the skills and knowledge of its employees are critical to the success of the organization.  The educational assistance program is intended to reimburse for education that Member Insurance believes provides a value to the organization and which is necessary for that employee to possess.