Insurance Summary
(last updated November 11, 2006)

Health Insurance:

Blue Cross/Blue Shield-PPO (Includes coverage out-of-state.)
Single Coverage: Paid in full by SS&A.
Family Coverage: SS&A pays approximately 80% of cost.
PMD Doctor co-pay is $20.00. Major medical and prescriptions are reimbursed at 80% after an annual deductible is satisfied. Generic drug prescriptions are reimbursed 100% without any deductible to satisfy. Additional insurance is made available to the employee through AFLAC, at the employee's expense.

Dental Insurance:

Southland National Insurance.
Two options are available from which to choose:
The basic plan is paid in full for the employee by SS&A. Family coverage is an option available at the employee's expense. The basic plan covers preventive checkups and x-rays at 100%. Other basic services are covered at 50%, after meeting a $50 annual deductible.
The high option, for which the employee pays the difference in cost above the low option, covers basic services at 80%, with preventive services and deductibles the same as the basic plan, and with an addition of major services covered at 50%. Orthodontia, for dependents under age 19, is covered at 50% up to $1000 lifetime maximum under the high option plan.

Vision Care:

Yearly exams and lenses, with biannual frame coverage is available under this plan, with a small co-pay. Employee pays for this coverage.

Long-Term Disability:

Paid in full by SS&A. After 90 days disability, policy will pay 2/3 of salary, up to $5,000 per month.

Life Insurance:

Employee is covered by a $50,000 Term Policy, paid for by SS&A, that will double to $100,000 coverage in case of accidental death.

Note: These benefits apply only to full-time employees, are not guaranteed, and are subject to change at any time at the company's discretion. Each item listed above is subject to more detailed explanation and restrictions as outlined in the company policy.