1. Employee Benefit Insurance Plans
Pat O’Neill
O'NEILL BENEFITS GROUP BROKERAGE

2. Plan Administrators Medical Dental Vision
CIGNA Healthcare
Dental
Delta Dental Plan of Colorado
Vision
Vision Service Plan (VSP)
Life, Short and Long Term Disability
UNUM/Provident

3. Eligibility For new hires: 30 hours full-time employment
First of the month following date of hire and last day of the month for termination.
30 hours full-time employment
Spouse and dependent children
to age 19 or 24th birthday if full-time student
Employer funding
100% of single coverage
Partial dependent coverage

4. Monthly Medical Premiums
Coverage
Employee
Company
EMPLOYEE ONLY
NO COST
$276.73
EMPLOYEE + SPOUSE
$100
$425.79
EMPLOYEE + CHILDREN
$184
$258.77
EMPLOYEE + FAMILY
$552.10

7. Delta Dental of Colorado DPO Plan
Dental Plan Benefits
Delta Dental of Colorado
DPO Plan

10. Vision Service Plan Member Doctor Non-Member Doctor Exam Paid in full*
Up to $35*
Single Vision Lenses
Up to $25*
Bifocal Lenses
Up to $40*
Trifocal Lenses
Up to $55*
Lenticular Lenses
Up to $80*
Frames
$90-$100 retail*
Up to $45*
Contacts
(in lieu of glasses)
Medically Necessary
Up to $210*
Elective
Up to $105

12. Life Insurance Benefit Amount Maximum Benefit Non-Medical Maximum
One Times Annual Salary plus $10,000
Maximum Benefit
$170,000
Non-Medical Maximum
$150,000
Reduces at age 70

13. Long Term Disability Elimination Period (deductible) Monthly Benefit
90 days
Monthly Benefit
60% of monthly earnings to $10,000/mo
Own occupation definition
Pays to age 65
Pre-existing Conditions
12 month exclusion

14. O’Neill Benefits Group Brokerage OBGB
4450 Arapahoe, Suite 210
Boulder, Colorado
Southeast corner of Foothills Parkway and Arapahoe Avenue in the Viewpoint Office Complex
Pat O’Neill - Broker
Customer Service
(303)