Benefits At A Glance

b e n e f i t s at a g l a n c e

We offer a comprehensive health and welfare benefit package focused on you and your family’s needs. With three health plan options, disability income protection, life insurance plans, and tax deferred retirement savings options; we think you’ll agree Lexington Medical Center offers a very attractive benefit portfolio.

Benefits at a Glance medical plans Eligibility for these plans begins day one of employment.

Option 1: BlueCross/BlueShield PPO 500 • $500 deductible with an additional $1,000 out-of-pocket limit for in-network providers • Typical family monthly premium: $490 Option 2: BlueCross/BlueShield PPO 750 • $750 deductible with an additional $1,250 out-of-pocket limit for in-network providers • Typical family monthly premium: $258 Option 3: BlueChoice HMO • $500 deductible with an additional $2,000 out-of-pocket limit for in-network providers • Typical family monthly premium: $416

Dental Plan: BlueCross/BlueShield • Plan pays 100% for preventive care and 50% for orthodontia care • $1,000 annual limits • Typical family monthly premium: $91

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b e n e f i t s at a g l a n c e

Health Directions Wellness Center

disability plans Short-term Disability In the event of an injury or illness requiring you to be out of work for an extended period of time, we offer income protection of 100 percent of your base pay for the first eight weeks. After eight weeks, the benefit is 66-2/3 percent of pay up to 180 days from the beginning of the disability.

Long-term Disability Beginning on the 181st day of the disability and if approved, you may receive 60 percent of your base pay (with a maximum monthly benefit of $25,000). Physicians have own occupation coverage. This benefit will not be offset by other disability policies.

life insurance We are pleased to offer you life insurance equal to one times your base income at no premium cost to you.

retirement Lexington Medical Center participates in the South Carolina Retirement System (SCRS). You may contribute, pre-tax, 8 percent of your compensation up to the earning level of $260,000. LMC contributes 10.9% to the SCRS general fund*. At retirement, you may draw a monthly annuity based on years of service, your highest 5 years of earnings and a current multiplier of 1.82 percent. Employees must work in the SCRS retirement system a minimum of 8 years in order to qualify for an annuity payment at retirement.

Additionally, you may participate in the State’s 401K and 457 plans. Current annual maximum contribution is $17,500 in each plan. If over age 50, you may contribute an additional $5,500 in each plan for a total of $23,000 in each plan.

miscellaneous

You may then purchase supplemental life insurance up to a maximum combined amount of $1,500,000.

We also offer 529 College Savings Plan, along with other voluntary benefits such as Dependent Life Insurance, Flexible Spending Accounts and discounts at local merchants and attractions.

Participation in the South Carolina Retirement System also offers a life insurance policy at one times your base rate of pay up to $260,000.

Please see our plan descriptions for additional, important detail about these benefit offerings. The sole purpose of this document is to provide you with an overview of the types of benefits LMC provides.

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B e n e f i t s at a g l a n c e

This is a quick reference of your benefit options from Lexington Medical Center.

Health Plan Options Health Plan Options Employee

Paid by LMC

Paid by Employee

X

X

Eligibility for Participation Day one of employment.

Minimum eligibility: 16 standard hours per week.**

What You Receive PPO

Your Annual Deductible • Per person • Limited to 3 per family

Option 1

Option 2

Option 3

PPO 500

PPO 750

BlueChoice Health Plan

$500

$750

$500

$1,500

$2,250

$1,500

After Annual Deductible, Plan Pays

Inpatient/Outpatient

Dependents

X

X

HMO

• LMC

90%

90%

90%

• In-network facilities

70%*

70%*

70%*

• Out-of-network facilities

50%*

50%*

Not Covered

* Inpatient services LMC does provide will be subject to a $500 copay in addition to the annual deductible if provided outside of LMC. Inpatient services that LMC does not provide will be reimbursed at 80% and $500 copay will be waived.

PPO

HMO

Option 1

Option 2

Option 3

PPO 500

PPO 750

BlueChoice Health Plan

• In-network

$1,500 includes deductible

$2,000 includes deductible

• Out-of-network

$3,000 includes deductible

$4,000 includes deductible

$2,000 per person $4,000 per family does not include deductible or copay (No out-of-network coverage)

Out-of-Pocket Limits

Other Things to Know • Pre-approval requirements

Required for all hospital, psychiatric, skilled nursing facility admissions, home health, hospice and RN at home, durable medical equipment more than $500. PPO providers will get pre-approval for you.

PCP and BlueChoice Healthcare must authorize all care by other providers in advance.

*Medical benefits are offered for employees and their eligible dependents under a comprehensive group plan. Premiums are paid on a pre-tax basis. **Premiums may differ based on the number of standard hours per week.

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Flexible benefits program Paid by LMC

Benefits

Paid by Employee

Eligibility for Participation Day one of employment.

Minimum eligibility: 16 standard hours per week.

What You Receive

Dental Options Dental benefits offered for employees and their eligible dependents under a comprehensive group plan.

Pre-existing conditions are excluded from coverage and premiums paid are on a pre-tax basis.

$25 Annual Deductible

X

X

Preventive

Basic

Major

Orthodontia

Pays 100%

Pays 80%

Pays 50%

Pays 50%

Employee Coinsurance 20%

Employee Coinsurance 50%

Employee Coinsurance 50%

$1,000 Annual Limit

Eligibility for Participation

Life Insurance Basic

X X

Supplemental

All active full-time and part-time employees working 16 hours or more per week and Flex employees working at least 8 hours per week.

$2,000 Lifetime Limit

What You Receive One times your base annual earnings at no cost to employee up to a maximum of $1,000,000. Maximum may be increased to $1,500,000; however, any amount more than $1,000,000 will require a personal health assessment and approval from The Hartford.

Supplemental coverage levels: one times your base annual earnings; two times your base annual earnings; three times your base annual earnings.

Basic and Supplemental Life cannot exceed four times your base pay or $1,500,000 (base and supplemental combined).

What You Receive Salary Continuation/ Short-term Disability

Long-term Disability

X

STD 100% of your weekly earnings for 8 weeks, then 66-2/3% of your weekly earnings for the remainder

Benefit Begins

First day of accident, hospitalization or outpatient surgery; sixth day of an illness

Benefit Ends

180 days

Eligibility for Participation

X

Eligible if standard hours are greater than 24 hours per week. Begins on the 181st day of the disability, if approved.

What You Receive 60% of your monthly base income up to $25,000 per month for non-job-related accident or illness.

Your long-term disability benefit may be reduced by deductible sources of income and any earnings you have while disabled.

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B e n e f i t s at a g l a n c e

Additional Benefits Benefits

Flexible Spending Accounts

Dependent/Life Insurance

Paid by LMC

X

X

Paid by Employee

X

X

Eligibility for Participation

What You Receive

Day one of employment

Health Care Flexible Spending Account for medical, dental, hearing, vision and prescriptions not reimbursed by LMC or other health benefits.

Dependent Day Care Spending Account for expenses to provide care for a child 12 years of age or younger or a disabled child, spouse, parent or other dependent to enable you to work.

Day one of employment

Option 1: Spouse $5,000/Child $5,000 Option 2: Spouse $10,000/Child $5,000 Option 3: Spouse $20,000/Child $5,000 (Not to exceed 100% of employee coverage amount.)

Workers’ Compensation

X

Day one of employment

Pays all medical, surgical and related expenses incurred because of an on-the-job injury. Provides partial compensation for loss of income.

South Carolina Retirement Program

X

X

Day one of employment

Defined contribution plan with benefits determined by age, years of service and earnings at the time of retirement. Full vesting after eight years of participation.

Each calendar year, employee contributes 8% of gross earnings. Employee contributions are deferred from federal and state taxes until they are refunded upon separation or when employee receives benefits. Free life insurance equal to one times their annual salary up to $260,000 after one year under the program. Employer match of 10.9% to the general fund.

Social Security

X

X

Day one of employment

Social Security and Medicare benefits as provided by the federal government.

Day one of employment

Upon death of an immediate family member, up to three days with pay, one day of which must be the day of the funeral, provided they are scheduled workdays.

Day one of employment

Retirement Plan Options — 401(k) and 457 are offered, with a variety of fixed and variable fund investment choices available.

Day one of employment

Leave with pay.

Bereavement Leave

X

S.C. Deferred Compensation Program Jury Duty

X X

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b e n e f i t s at a g l a n c e

Additional Benefits Benefits

Employee Health Program

Paid by LMC

Paid by Employee

X

Eligibility for Participation

What You Receive

Day one of employment

Occupational-related immunizations, annual blood work available through participation in PATH, work-related injury and illness care, assistance with occupational health issues.

Movie Tickets

X

Day one of employment

Savings on admission tickets at local movie theaters are available for purchase in the Gift Shop.

Amusement Parks

X

Day one of employment

Tickets available in the Gift Shop.

Parking

X

Day one of employment

Free parking in designated employee parking areas.

Service Awards

X

Upon completion of 5, 10, 15, 20, etc. years of service.

Service Awards are given based on years of service.

LMC Employee Assistance Program

X

Day one of employment

Counselors will assist in problem identification, assessment and/or referral to appropriate community resources for personal problems.

This confidential service is available to employees and their immediate family.

Employee Discounts

X

See Employee Discount Booklet.

Various discounts from merchants.

X

Employees in the full-time (full, Flex and Lex Plan) benefit program who have been in an eligible status for the preceding 12 months. Employees must be actively at work to qualify.

$2,000 reimbursement after placement is considered final for eligible expenses: agency fees; legal fees; court costs; and medical expenses for birth mother.

Adoption Policy

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