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April,
2004
This Benefits Summary booklet supersedes and voids all previous
publications. |
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Welcome
to North Mississippi Health Services. As an employee of this dynamic and
growing organization, you are given the opportunity to receive an
excellent variety of benefits. We hope that by participating in these
benefits you are able to provide for your future as well as meet your
current financial, educational, recreational and health needs.
North Mississippi Health Services (NMHS)
is the parent corporation of many corporations. While very few employees
are actually employed by NMHS, throughout this Benefits Summary,
reference to North Mississippi Health Services or NMHS means the NMHS-owned
corporation that employs you.
The following summary provides you with
a listing and a brief description of these excellent benefits. This
summary is not all-inclusive and is a quick reference guide only. If
questions arise, please consult the Summary Plan Description or the
Master Contract, or contact the Employment Services Office through the
benefits hotline at (662) 377-3256.
Employees may find benefit and other
general employment information available on our website. Please visit us
at our NMHS Intranet site by choosing Employment Services.
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INSURANCE
BENEFITS
HEALTH
PLAN
Upon the first day of the month
following the first full calendar month of employment, regular
full-time employees are eligible to enroll in the NMHS Health
Benefit Plan. The Plan has a $1,000,000 lifetime maximum per
member. Out-of-pocket maximum is $1,000 per employee, $3,000 per
family per calendar year. Benefits quoted are in-network.
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Inpatient
Care:
The benefit pays 90 percent of
charges in an NMHS facility, with the exception of Intensive
Care which is paid at 100 percent. This excludes guest cots and
meals.
Outpatient
Care:
The benefit pays 90 percent at
a NMHS facility.
Emergency
Care:
The co-pay is $50 for the ER
fee, and the benefit pays 90 percent of other services.
Physician
Services:
The co-pay is $15 on office
visits, and the benefit pays 90 percent of other services.
Prescription
Drugs:
After meeting an individual $50
in network deductible, employees pay for:
Generic prescriptions,
$5 co-pay at any NMHS pharmacy
Preferred
prescriptions, the greater of 15 percent or $10 co-pay
Premium prescriptions,
the greater of 30 percent or $30 co-pay or cost if less than
$30.
Includes prescription
contraceptives for employee/spouse
only.
Regular part-time employees
with one year of service and who have worked 1,000 hours can
purchase the same benefits and options as above for a monthly
premium during open enrollment.
Dependent coverage has the same
benefits and options for immediate family members and can be
purchased by participating employees. If you and your spouse are
both currently employed full-time by NMHS or any of its
subsidiaries, you are eligible for a family health discount.
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DENTAL
PLAN |
REVISED: January 2006 |
Upon the first day of the month following the first full calendar
month of employment, regular full-time employees are eligible to
enroll in the NMHS Dental Benefit Plan. Maximum benefit is $1,200
yearly, with a $50 individual deductible.
Type A-Preventive & Diagnostic:
Benefit pays 100 percent of usual, customary and reasonable charges
with the deductible waived.
Type B-Minor Restorative:
Benefit pays 80 percent of usual, customary and reasonable charges.
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Type C-Major Restorative:
Benefit pays 50 percent of usual, customary and reasonable
charges. There is a one-year waiting period for dentures and
bridges.
Type D-Orthodontic:
Benefit pays 50 percent of orthodontic usual, customary and
reasonable charges, with a separate maximum lifetime benefit
paid out of $1,200. Deductible is waived. There is a one-year
waiting period for onthodontic services.
Orthodontic benefit provided only to dependent children up to
age 19 who meet the above eligibility requirements.
Regular part-time employees with
one year of service and who have worked 1,000 hours can purchase
the same benefits and options as above for a monthly premium
during open enrollment.
Dependent coverage has the same benefits and options for
immediate family members and can be purchased by participating
employees. If you and your spouse are both currently employed
full-time by NMHS or any of its subsidiaries you are eligible
for a family dental discount.
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VISION
PLAN
Upon the first day of the month
following the first full calendar month of employment and also
being enrolled in the Health Benefit Plan, regular full-time
employees are eligible to enroll in the NMHS Vision Benefits
Plan.
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Covered
Services:
Annual Exam has a $15
co-pay, pays 100 percent up to the usual, customary and
reasonable charges with no deductible.
Frames have a $15 co-pay,
paying up to $100 annually.
Corrective Lenses:
Single pays 100 percent up to
$30 annually
Bifocal pays 100 percent up
to $40 annually
Trifocal pays 100 percent up
to $50 annually
Contact Lenses have a $15
co-pay, paying up to $120 annually.
Providers of vision care
include ophthalmologists, optometrists and vision care centers.
Regular part-time employees
with one year of service and who have worked 1,000 hours can
purchase the same benefits and options as above for a monthly
premium during open enrollment.
Dependent coverage has the same
benefits and options for immediate family members and can be
purchased by participating employees provided they are enrolled
in the Health Benefit Plan. If you and your spouse are currently
employed full-time by NMHS or any of its subsidiaries, you are
eligible for a family vision discount.
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LIFE
INSURANCE
On the first day of the month
following the first calendar month of employment, regular
full-time employees are provided by NMHS a term life insurance
policy equal to their annual base salary, rounded to the nearest
thousand dollars with a maximum of $50,000. This is a double
indemnity policy. Those eligible employees can purchase a
$10,000 term life policy for each dependent for one low price.
VOLUNTARY LIFE
INSURANCE
Regular full-time employees are
given the opportunity to purchase additional life insurance for
themselves and dependents at group rates during open enrollment.
DISABILITY
INSURANCE
After one year of full-time
employment, NMHS provides regular full-time employees with
disability insurance. After six months of disability, plan pays
50 percent of base pay up to $5,000 a month and to age 65.
PROFESSIONAL
LIABILITY INSURANCE
Upon employment you are covered
under a $1,000,000 per person and $3,000,000 per occurrence
umbrella policy.
WORKERS
COMPENSATION
Upon employment at NMHS, you
are provided medical services and compensation for
on-the-job-incurred accidents. These benefits are governed by
state law.
UNEMPLOYMENT
COMPENSATION
As determined by state law, you
are provided payments, while unemployed, by NMHS. The number and
amount of which are governed by state law.
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Changes
to Full-time Status
If a part-time status employee
is transferred to a regular full-time status position by a
department manager, his/her eligibility for full-time status
benefits begins as if a new hire. It is your responsibility to
contact the Employment Services Department or the Human
Resources Department of the community hospitals for benefit
processing if this change occurs. Failure to sign-up for
benefits within 10 days of status change will result in loss of
eligibility until the next enrollment period. In order to
receive full-time status benefits, you must be eligible under
the plan requirements for these benefits and you must be
enrolled in each of these benefit plans.
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| PAID
TIME OFF
VACATION PAY
After completion of one year of
regular full-time employment, employees receive 80 hours (two
weeks) at base rate of pay for one to five years of service, an
additional eight hours for each completed, full-time year
following the 5th year up to 10 years, and an additional eight
hours for each completed, full-time year following the 15th year
up to 20 years. You may receive up to a maximum of 160 hours
(four weeks) at 20 years. Full-time status must be maintained.
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Schedule
of hours after year 5: |
Schedule
of hours after year 15: |
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6th 88 hours/yr |
16th
128 hours/yr |
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7th 96 hours/yr |
17th
136 hours/yr |
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8th 104 hours/yr |
18th
144 hours/yr |
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9th 112 hours/yr |
19th
152 hours/yr |
| 10th
120 hours/yr |
20th
160 hours/yr |
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PERSONAL TIME
OFF PAY
After completion of
the third month of employment (introductory
period), regular full-time employees accrue PTO at a rate of 2.77
hours per pay period which is equal to 72 hours per year at their
base rate of pay. Twenty-four hours of unused time may be carried over
into the next year following their benefit accrual date.
| SICK PAY |
REVISED: May 2006 |
Regular full-time employees are
provided with the opportunity to be paid during periods of personal
medical illness that cause time missed from work. This is available
after the completion of the third month of employment. Employees
accrue 3.69 hours per pay period up to a maximum of 65 days. Except
for noted exceptions as referred to in the Employee Guidelines
Booklet, sick pay is not payable for the first or second day of an
illness or the first 48 hours.
FUNERAL LEAVE
PAY
After completion of
the third month of employment (introductory
period), regular full-time employees may receive up to three paid
scheduled work days off due to death of an immediate family member,
of which one of the days counted must be the day of the funeral.
Immediate family members are defined as spouse, parents, children
and siblings. One paid work day is also offered for the death of
grandparents, grandchildren, and mother/father in-law if the day of
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JURY
DUTY PAY
Regular full-time employees will
be compensated for the difference in jury duty pay and their
normal base earnings after completion of the
third month of employment (introductory
period).
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SAVINGS
& INVESTMENT OPPORTUNITIES
NMHS
RETIREMENT PLAN(S)
NMHS provides three
different retirement opportunities for its employees. The
Retirement and Retirement Savings Plan(s) require that you have at
least one year of service with a minimum of 1,000 hours worked
and be 21 years of age.
Retirement Plan
The Retirement Plan is a
defined benefit plan that offers employees who participate, a
monthly income paid upon retirement, after reaching at least age
55, with 10 years of participation. Your NMHS corporation
contributes whatever amount is necessary to guarantee your
monthly benefit at retirement. Your contribution is one percent
of your salary each pay period. Participants will vest after
five years.
Retirement
Savings Plan
The Retirement Savings Plan
is a profit sharing plan. NMHS will match 50 cents for every
dollar you contribute into your tax deferred annuity, up to 4
percent of your salary. Participants will vest after three
years.
Tax
Deferred Plan
A Tax Deferred plan is
available upon employment for both full- and part-time
employees. You have the opportunity through payroll deduction to
provide for retirement income while deferring current income
taxes. Participants are 100 percent vested at all times.
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Clinic
Retirement Plan(s)
The Clinics, North Mississippi
Medical Clinics, Inc., provide two retirement opportunities for
its employees that have at least one hour of service, allowing
them to be able to enroll in both upon hire.
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Savings
Plan
The Savings Plan is available upon
employment for both full- and part-time employees. Contributions
are made available through payroll deduction to provide for
retirement income while deferring current income taxes.
Participants are 100 percent vested at all times.
Money Purchase
Plan
The Money Purchase Plan is funded
by the clinic corporation you work for and is generally funded at
5.7 percent of gross earnings. Participants will vest after three
years.
Credit Union
Upon employment, you are provided the
convenience of payroll deduction for savings. In November and
December, you may join the Christmas Club which pays out the
following November. You may also purchase Share Certificates for a
12 month or 182 day term.
The Credit Union offers a variety of loans
through payroll deduction at competitive rates for items such as
new or used cars. You may also have unsecured loans to assist you
with your financial needs.
Cafeteria Plan
Full-time employees can enroll in this
voluntary plan that allows for payment of family health, dental
and vision insurance premiums and child care at NMMCs Child Care
Center on a non-taxed basis. You become eligible at enrollment
into the plan(s).
Social Security
Disability benefits, death benefits and
financial assistance on retirement, as provided by federal law,
are provided in part by NMHS upon employment for both regular
full- and part-time employees.
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PAY
PAY PERIODS
All payroll stubs are disbursed each
Friday of payroll week after 3 p.m. Payroll week ends on a Monday
morning and employees are paid on the following Friday. There are
26 pay periods in a year.
DIRECT DEPOSIT
All employees are required to sign up for
direct deposit. You are provided the opportunity to have your pay
automatically deposited into your checking or savings account at
your bank. With direct deposit, your money is in your account on
payday Friday at most banks.
MERIT INCREASES
There is a potential increase for all
employees annually in December. The percentage of increase depends
upon personal performance and position in range.
INCENTIVE BONUS
You are provided opportunity to receive an
annual incentive bonus when company goals are met. The bonus would
be equal from zero percent to 5 percent of your gross earnings
from October to September of the previous fiscal year.
WELLNESS PAY
In the last pay period of September of
each year, all sick hours accrued in excess of 520 hours (65 days)
will be bought back at a rate of one hours pay for each two
hours accrued time. All regular full-time employees who are
actively employed on October 1 of each year are eligible.
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| RECOGNITION
STARS ONLINE
Voluntary peer recognition of NMHS
employees that exhibit exceptional behaviors and deserve
recognition for excellent work and "going that extra
mile." Recipients are acknowledged online monthly via the
NMHS Intranet.
ATTENDANCE AWARDS
Effective after one calendar year of
full-time, hourly employment, individual and group awards for good
attendance are given
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EMPLOYEE
OF THE MONTH/QUARTER
Upon employment, all employees
become eligible for recognition for outstanding job performance
and a $100 savings bond.
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EMPLOYEE
OF THE YEAR
Opportunity to receive a $200 savings bond
and recognition for outstanding job performance. Chosen from
Employee of the Month/Quarter award recipients.
SERVICE AWARDS
Upon completion of milestones of service,
there is a presentation of service pins for 5, 10, 15, 20, 25, 30,
35, 40 and beyond years of service.
SERVICE GIFTS
Gifts are presented at 20, 25, 30, 40 and
beyond years of service.
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| WELLNESS
INITIATIVES |
EMPLOYEE
ASSISTANCE PROGRAM (EAP)
Upon joining the Health Plan,
employees are eligible for psychological, social and pastoral
counseling that is confidentially provided for you and your
eligible family members.
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HEALTH
PROMOTIONS
Upon employment
you receive free immunizations and testing of T.B. (also conducted
on an annual basis). Periodic testing and screening of blood
pressure, glucose and cholesterol are also conducted. Flu shots
are given annually at no cost.
PHARMACY
Upon employment you can purchase
prescription and non-prescription items stocked in the Employee
Pharmacy at a discount price. The NMMC Employee Pharmacy offers
payroll deduction for prescription and non-prescription items. The
pharmacy offers a drive-through service seven days a week, mail
order service and in-house pick-up service for payroll deducted
items.
WELLNESS CENTER
Upon completion of introductory
period, full-time employees are eligible for membership discount
and partial reimbursement of Wellness Center dues.
LIVE WELL
INCENTIVE PLAN
Upon eligibility to join the
Health Plan, employees are eligible to take part in this incentive
program which can earn them up to a $100 gift certificate (in a
given time period) if they meet recommended requirements.
Employees can learn how to become
eligible for the Live Well Incentive by visiting the NMHS Intranet
website and reviewing the Wellness Initiative page in the benefits
section of the Employment Services web page.
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EDUCATIONAL
OPPORTUNITIES
EDUCATIONAL
REIMBURSEMENT
After one year of full-time
employment, you are eligible for tuition reimbursement for
previously approved specified courses.
EXTENSION OF
EDUCATION
After one year of full-time
employment, you become eligible for continuing credit for service
during an absence to attend school, with no forfeiture of any
accrued benefits.
RESOURCE CENTER
Upon employment, you have access
to information on health-related subjects located in the Education
Department Resource Center. You may also obtain
free CE hours through HSTN and Independent Study.
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| OTHER
BENEFITS
AUXILIARY GIFT & FLORAL SHOP
Convenient shopping for employees. Free
delivery on the hospital campus.
BREAKS
Upon employment, you receive paid
rest periods provided for each shift
CHILD CARE
CENTER
Upon employment, you are offered
the opportunity to receive subsidized quality care for children
six weeks old through age 12.
FOOD COURT
Upon employment, you may receive
meals at reduced cost.
HOLIDAY
ACTIVITIES
All employees receive a free
holiday party and meal along with a gift from NMHS at Christmas.
Also, a free meal is provided for all employees working on
Thanksgiving and Christmas, in addition to any other activities.
PARKING
Free parking is provided for you
in an area designated for employees and medical staff.
HOSPITAL
ACCOUNTS
Employees are provided the
opportunity to pay hospital bills through payroll deductions with
no interest.
LEAVE OF ABSENCE
Time off without interruption of
services for qualified or approved leaves is available for you
after one year of employment.
SECURITY
Protection by Security Officers
at all hours, both in the building and on the grounds.
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REGULAR
PART-TIME BENEFITS
As a regular part-time employee
you play an integral role in the operation of this healthcare
system. It is for this reason we want to provide you with certain
benefits to reward your work.
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Regular part-time shall mean any
individual classified as such who has completed one year of
service and worked 1,000 hours in the preceding 12-months prior to
any October 1 or
April 1.
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Health
Insurance
Comprehensive health plan for you
at a part-time single coverage rate per pay period and a part-time
family coverage rate per pay period for your family.
Dental Insurance
Comprehensive dental plan for you
at a part-time single coverage rate per pay period and a part-time
family coverage rate per pay period for your family.
Vision Insurance
Comprehensive vision plan for you
at a part-time single coverage rate per pay period and a part-time
family coverage rate per pay period for your family.
Retirement
Defined benefit plan based on
years of service and average pay. Your cost is 1 percent of pay
and NMHS contributes the rest.
Retirement
Savings
A tax deferred savings account
that you may contribute up to 4 percent of pay and NMHS will match
half of your contributions.
Cafeteria Plan
Ability to purchase health,
dental, vision, and child care on a pre-tax basis.
Leave of Absence
FMLA Leave for designated
reasons, must have worked 1,250 hours in the twelve-months
preceding the beginning date of the leave.
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PART-TIME/ON-CALL
BENEFITS
As a part-time employee you play a
key role in the operation of this healthcare system. The following
benefits are an additional way we say thank you.
| Breaks
Rest periods provided for each shift.
Child
Care
Opportunity to receive
subsidized quality care for children six weeks old through
age 12.
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Credit Union
Opportunity to save and borrow
through payroll deduction.
Direct Deposit
Automatic deposit of your payroll
check into your bank account.
Education
Eligible to attend most in-house
education and training programs.
Employee of the
Month/Quarter
Recognition for outstanding job
performance.
Employee of the
Year
Chosen from Employee of the
Month/Quarter recipients.
Food Court
Meals at reduced cost.
Health
Promotions
Free immunizations and testing.
Hospital
Accounts
Opportunity to pay hospital bills
through payroll deduction with no interest.
Holiday Benefits
Free Thanksgiving and Christmas
meals provided to employees who work those days.
Incentive Bonus
Opportunity to receive an annual
incentive bonus from zero to five percent of your gross earnings
when company goals are met.
Merit Increases
Based upon your job performance,
an opportunity for potential increases annually.
Parking
Free parking that is restricted
to employees and Medical Staff - close to work, lighted and
patrolled by security.
Pharmacy
Prescription and non-prescription
items stocked in the employee pharmacy at discount price.
Professional
Liability Insurance
$1,000,000 per claim and
$3,000,000 aggregate.
Resource Center
Information library on
health-related subjects.
Security
Protection by Security Officers
at all hours, both in the building and on the grounds.
Service Awards
Service pins presented for years
of service.
Social Security
Disability benefits, death
benefits and financial assistance on retirement, as provided by
federal law.
Tax Deferred
Plan
Ability to save on a tax deferred
basis.
Transfers
Eligible to use the NMHS transfer
system.
Unemployment
Compensation
Payments while unemployed, the
number and amount of which are governed by state law.
Wellness
Center
Eligible to participate.
Workers
Compensation
Hospital, physician and
compensation for on-the-job incurred accidents.
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