2009 BENEFITS SUMMARY FOR
REGULAR FULL TIME EMPLOYEES

BENEFIT	PLAN
Health Insurance	CareFirst BlueCross Blueshield Insurance Company BlueChoice Health Maintenance Organization HMO Employee Coverage: $50.28 per pay period Employee Plus Spouse: $124.56 per pay period Employee Plus Child(ren): $100.39 per pay period Family: $150.22 per pay period Prescriptions-$10/25/45 Retail Copays BlueChoice HMO Opt Out Plus Employee Coverage: $63.19 per pay period Employee Plus Spouse: $157.29 per pay period Employee Plus Child(ren): $126.63 per pay period Family: $192.47 per pay period Prescriptions-$15/35/60 Retail Copays Blue Preferred Provider Organization PPO Employee Coverage: $80.04 per pay period Employee Plus Spouse: $202.00 per pay period Employee Plus Child(ren): $162.53 per pay period Family: $245.78 per pay period Prescriptions-$15/35/60 Retail Copays
Dental	Administered by Delta Dental Employee Coverage: $3.66 per pay period Employee plus Spouse: $7.31 per pay period Employee plus child/ren: $7.68 per pay period Family: $12.07 per pay period
Vision	Included in Health Insurance Plan at no additional cost Routine eye examination per benefit period: In-network; you pay $10, Out-of Network; you pay remaining balance after $33 is paid by the plan Limited to one pair of glasses or a supply of contact lenses per benefit period at discounted price
Short Term Disability	Administered by Lincoln Financial 100% employer paid benefit Must be under Physician’s care 60% of weekly earnings up to $1,500 per week Benefit begins on 8th day of accident or illness
Long Term Disability	Administered by Lincoln Financial: 100% employer paid benefit Must be under Physician’s care Begins on 91st day of disability or when short term ends 60% of monthly earnings up to $6,000 per month
Life & Accidental Death Insurance	Administered by Lincoln Financial 100% employer paid benefit Term Life Insurance Maximum of $100,000 Voluntary spouse & dependant term life
Flex-Spending Account	Administered by TASC Option to allocate funds pre-tax to a flex-spending account Coverage paid by employee through pre-tax deductions semi-monthly during plan year Employees may defer up to $5000 per year for out of pocket medical expenses, up to$3,360/year for commuting expenses and up to $5000/year for child care costs.
Employee Assistance Plan (EAP)	Administered by Lincoln Financial 100% employer paid benefit Free, confidential counseling & referral services for personal and/or work related problems Available for employee and family members Includes: assistance w/childcare referrals, legal consultations, older adult services, career management, and financial services
401(k) Plan	Administered by Principal Financial Group Pre-Tax contributions - save for retirement while lowering taxes Must be 21 years of age to participate OSS matches dollar per dollar up to 4% of gross pay; maximum annual employee contribution- $16,500.00; maximum catch-up contribution-$5,500 Eligible from date of hire with two entry dates (January 1 and July 1) Variety of fund options (employee controlled)
Worker’s Compensation	As required by law OSS pays all premiums OSS maintains worker’s compensation insurance at all company locations. Provides medical benefits & limited income security for work-related injuries
Direct Deposit	No additional cost to employees Deposits paychecks directly into a savings and/or checking account
Professional Development Program	Training and/or educational course funds are available for relevant, work-related professional development Prior approval required Must be scheduled after normal business hours Successful completion of at least a B grade for both undergraduate and graduate coursework Up to $5, 000 per year
Staff Referral Program	Referral fee is $500 for administrative or labor and $1000 for IT positions Fee is payable when new hire has successfully completed 3 calendar months of employment with OSS
Computer Purchase Program	Interest free loans for purchase of personal computer equipment 12 month repayment period Eligible after completing introductory period
Vacation Leave	0 – 5 years of service: 10 days per year accrued at 3.33 hrs per pay period 5 – 10 years of service: 15 days per year accrued at 5.0 hrs per pay period 10 or more years of service: 20 days per year accrued at 6.67 hrs per pay period Only 80 hours maximum allowed to be rolled over to the next calendar year
Personal/Sick Leave	6 days per year for regular, full-time employees 3 days (24 hours) January 1st and 3 days (24 hours) July 1st Cannot be rolled over the next calendar year
Holidays	The calendar year 2009: January 1 – New Year’s Day January 19 – Martin Luther King’s Day February 16 – President’s Day May 25 – Memorial Day July 3 – Independence Day September 7 – Labor Day October 12 – Columbus Day November 11 – Veteran’s Day November 26 – Thanksgiving Day December 25 – Christmas Day
Bereavement Leave	4 paid days for immediate family as described in handbook 2 paid days for relatives who are not immediate family
Jury Duty Leave	Paid leave verification of jury duty summons must be sent to supervisor and copied to HR department