Benefits

Summary of Benefits

Health Insurance

DentaQuest’s current health insurance is a Choice Plus plan with Harvard Pilgrim in alliance with United HealthCare (UHC). New employees working 20 hours or more per week are eligible to enter the health insurance plan effective their date of hire. Employees working 20 hours or more per week are eligible to enter the health insurance plan effective their date of hire. There are two plan options for our medical insurance. There is a 90/70 plan and an 80/60.

Under the 90/70 plan, the coinsurance is covered at 90% minus applicable copays. There is an annual deductible of $250 for individual and $500 for family. There is also a maximum out of pocket cost for individual of $1000 and for family $2000.

Under the 80/60 plan, the coinsurance is covered at 80% minus applicable copays. There is an annual deductible of $500 for individual and $1000 for family. There is also an out of pocket maximum cost for individual of $2000 and for family $4000. There is also the option of receiving out-of-network services with reduced coverage levels.

Dental Insurance

DentaQuest’s current dental insurance plan is with Delta Dental. Employees working 15 hours or more per week are eligible to enter the dental insurance plan effective their date of hire. The dental insurance covers preventative at 100%, diagnostic, endodontic, periodontic, and basic restorative services at 80% and special restorative services at 50%. DentaQuest pays 70% of the premium for fulltime employees and 60% for part time employees. See below for the employee dental rates.

Group Life & AD&D

DentaQuest’s current life insurance and AD&D plan is with Prudential. Employees working 20 hours our more per week are eligible for coverage upon their date of hire.

DentaQuest provides 2x’s an employee’s annual salary. This benefit is completely employer paid. Any amount over $50,000 will be taxed. The taxed amount will appear on your W-2 form.

Supplemental Life

Employees may elect to purchase supplemental life insurance equal to 1x, 2x, or 3x their annual salary, up to a maximum of $650,000 per year. This benefit is completely employee paid.

Dependent Life

Employees may elect to purchase life insurance for their spouse and / or dependent children. There are two options offered. The benefit is completely employee paid.

Group Short Term Disability

The carrier for DentaQuest’s short-term disability plan is Prudential. This benefit is available to employees working 30 hours or more per week. This benefit pays 70% of your weekly earnings to a maximum of $1000/week, in the event that you are temporarily disabled and unable to work due to an injury or illness. This benefit has a 7-day elimination period. New employees are eligible to join this plan the first of the month following 3 months of employment. DentaQuest pays the entire premium cost for this benefit.

Group Long Term Disability

DentaQuest’s current carrier for group long-term disability is Prudential. This benefit is available to employees working 30 hours or more per week. Benefits under this plan pay 60% of monthly earnings to a maximum of $2000/month following a 90-day elimination period.

New employees are eligible on their date of hire. DentaQuest pays the entire premium cost for this benefit but the employee would have imputed wages on the amount DentaQuest pays for the premium to make the benefit non-taxable if ever needed. Employees earning over $40,000 per can buy the added benefit to cover 60% of salary with a maximum of $14,000 per month.

401k Retirement Savings Plan

The carrier for our 401K Savings Plan is Fidelity Investments. The plan allows you to save a percentage of your income on a pre-tax basis. By participating in the plan, you reduce your total taxable income.

New employees are automatically enrolled at 2% and are eligible to defer between 1% and 60% of their eligible income. In addition, DentaQuest matches 100% of your savings contributions up to the first 4%. These funds are immediately vested.

Flexible Spending Accounts

DentaQuest’s current carrier for Flexible Spending Accounts is Benefit Resource. Team members are eligible to enroll in this option the first day of the January or their date of hire.

Flexible Spending Accounts allow for pre-tax dollars to be set-aside for eligible Health care and Dependent care expenses. The maximums for this plan are $3,000 annually for health care expenses and $5,000 annually for dependent care expenses.

Team members determine the amount to deduct from their check on a bi-weekly basis and are reimbursed when they have an eligible expense.

Vacation Time

Paid time off is made available to full time team members after completion of three months of continuous employment. Paid time off is accrued each pay period.

Employees are granted PTO according to the following schedule:

• 0 - 4 years - 18 days annually
• 5 - 9 years - 23 days annually
• 10+ years - 28 days annually

Holidays

All employees working 20 hours or more per week are eligible for paid holidays upon hire. The following holidays are observed each year:

• New Years Day
• Memorial Day
• Independence Day
• Labor Day
• Thanksgiving Day
• The day after Thanksgiving
• Christmas Day

Employees will also receive floating holidays according to the following schedule:

• January 1 – March 31: Eligible for 3 FH within the calendar year
• April 1 – June 30: Eligible for 2 FH holidays within the calendar year
• July 1 – September 30: Eligible for 1 FH within the calendar year
• October 1 – December 31: Not eligible for FH within the first calendar year

Tuition Reimbursement

DentaQuest provides tuition reimbursement for full-time team members interested in taking work-related courses. Team members must have completed 3 months of continuous service and be in good standing at the time of the course. Team members must receive prior approval from his or her manager as well as the DentaQuest HR Department prior to starting a course. Reimbursement is available up to $5,250.00 per calendar year for undergraduate programs and up to $8,000.00 for a master’s degree.

Discretionary Pension Plan

DentaQuest provides a discretionary pension contribution to team members that have completed at least one year of service with the company. This plan has a three year vesting schedule. The pension plan is designed to provide you with retirement income and to enable you to share in the DQV profits. (Please note the total contribution is based on your total compensation and is determined by the Board of Directors every year)

Other Benefits

• YMCA Corporate Membership
• Casual dress code
• Members of the Zoological Society
• Dependent Tuition Reimbursement
• Employee Assistance Program

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