Benefits Dawson has established benefit programs designed to help you and your eligible dependents meet the financial burdens that can result from illness, disability and death. To be eligible for these benefits, a colleague must be a full-time colleague working a minimum of 32 hours per week. The benefit plans are described more completely in the Summary Plan Description booklets (SPDs), which are included in this section. Complete descriptions are also contained in Human Resources’ master contracts with the insurance carriers. In the event of contradiction between the information appearing in this Handbook or our SPDs and the information that appears in the master contracts or master plan documents, the master contracts or master plan documents shall govern. For more complete information regarding our benefit programs, please contact Human Resources. Dawson hopes and expects that the benefits offered will continue to be offered. However, because of changes in benefit plan options and premiums, Dawson reserves the rights to change, modify, or terminate any benefit at any time with or without notice.
Medical Insurance All full-time colleagues and their eligible dependents qualify for participation in Dawson’s group medical insurance program. The health care plan is a Preferred Provider Organization plan (PPO). A colleague is eligible to participate in the medical plan the first of the month after date of hire. Dawson and the colleague share the premium expense for this benefit. Preferred Provider Plan The PPO plan offers high-quality care at negotiated, discounted costs through a network of providers. Healthcare benefits provided under the network providers are payable at a higher level than through the non-network providers. PPO plans give you the option to choose between a network provider and a non-network provider. However, you should know that care received from a non-network provider, facility or health care professional means a reduced benefit and higher costs for you and your family members.
Dental Insurance All full-time colleagues and their eligible dependents qualify for participation in Dawson’s group dental insurance program. Coverage for eligible colleagues is effective the first of the month after date of hire, except that major and orthodontic care have a six-month waiting period. Dawson and the colleague share the premium expense for this benefit. Designed as a preventative dental care plan, the plan provides 100 percent of expenses for cleaning and examinations every six months. Basic dental care is provided at 80 percent and major care at 50 percent of the cost after a $50 calendar year deductible. These benefits are subject to a calendar year maximum.
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