1. Trying to understand what the total value is for you
Employer Benefits
Trying to understand what the total value is for you
MARGARET

2. Margaret Freel, New Media Recruiter
Amy Casciotti, Human Resources Director
Can us both at
MARGARET

3. Insurance Benefits Who is eligible and when?
Is there a waiting period?
Are dependents eligible?
When is open enrollment?
What are the costs to you?
Do you have to pay anything?
How much and when?
Do dependents cost anything?

4. Insurance Benefits Medical Insurance Dental Insurance
Deductible and Co-pays
What services are covered/What does network look like
Dental Insurance
Dental insurance – capped per individual

5. Insurance Benefits Life Insurance Disability Insurance
How much is guaranteed?
Maximum coverage
Disability Insurance
What is the coverage?
Short term and long term?
Other supplemental Insurance
Cancer, Accident, etc. (AFLAC)
- Life Insurance – Life ONLY or Life/AD&D – can be two possible options that may be provided
- Disability Insurance – Why is this important? This provides wage assistance/supplemental income. This can assist in if there is long-term disability you can still maintain your benefits, that applies to TSC’s plan. *Make sure you know what your employer provides.
- Supplemental Insurance – Does your employer provide additional supplemental insurance? There may be some companies that pay for these benefits but should you choose to purchase them yourself, make sure you verify with your employer what they offer first.

6. Paid Time Off Benefits Paid Time Off Bereavement Leave
Annual Leave, Sick Leave or just PTO
Bereavement Leave
For who and how long?
Observed Holidays
How many?
Personal Leave
FMLA/Parenting Leave
FMLA – this is offered by all employers and consists of 12-weeks of unpaid leave.
Many companies offer some form of paid parenting leave as well.

7. Other Benefits Employee Assistance Programs
Tuition Reimbursement Plans
Flexible Spending Accounts
Heath Savings Accounts
401(k) Plan
Transportation Benefits
Smart Phones, etc.

8. Example 1
Offered a salary of $40k. Have Medical, Dental, Life, Disability, 401k of 10% and 15 PTO days. You pay for half of the deductible ($650).

9. Example 2
Offered a salary of $42,500. Have Medical, Dental, Vision, Disability, 401k 8% and 10 PTO days. You pay $50 month for medical and $1,300 deductible. Vision of $600 year. Half of disability of $500 year.

10. Example 3
Offered a salary of $45,000. Have Medical, Dental, Vision, Life, Disability, 401k 10% and 12 PTO days. You pay $150 month for medical and $1,300 deductible. Dental of $600 year. Vision of $600 year. Disability of $1,000 year.

11. All 3 examples
Offered a salary of $40k. Have Medical, Dental, Life, Disability, 401k of 10% and 15 PTO days. You pay for half of the deductible ($650).
Offered a salary of $42,500. Have Medical, Dental, Vision, Disability, 401k 8% and 10 PTO days. You pay $50 month for medical and $1,300 deductible. Vision of $600 year. Half of disability of $500 year.
Offered a salary of $45,000. Have Medical, Dental, Vision, Life, Disability, 401k 10% and 12 PTO days. You pay $150 month for medical and $1,300 deductible. Dental of $600 year. Vision of $600 year. Disability of $1,000 year.

12. Actual cost/value Salary Employee Employer Medical $7,200 $600 $6,600
$7,200
$600
$6,600
$1,800
$5,400
Deductible
$650
$1,300 $0
Dental
Vision NA
Life
$200
Disability
$1,000
$500
401(k)
10% ($4,000)
8% ($3,400)
10% ($4,500)
PTO
15 days ($2,300)
10 days ($1,600)
12 days ($2,000)
$43,350
$55,950
$42,900
$55,200
$44,200
$57,100

13. QUESTIONS?