Accident Insurance
Eligibility: Full-time & part-time employees.
Premiums: Employee paid.
Benefit Description: Protects against financial losses when an accident occurs. Portable plan. 24-hr coverage. Pre-tax dollars.

Cancer Care Plan
Eligibility: Full-time & part-time employees.
Premiums: Employee paid.
Benefit Description: Cancer screening--each calendar year pays up to $60 for each covered person (annual pap, prostate, or mammo exam). Covers the cost of ambulance transportation, experimental treatment. Pre-tax dollars.

Critical Illness Health Plan
Eligibility: Full-time & part-time employees.
Premiums: Employee paid.
Benefit Description: Protects from financial ruin accompanying critical illness--heart attack, stroke, life threatening cancer, multiple sclerosis, loss of sight, loss of limb, paralysis, Alzheimer's disease. Pays for expenses not covered by regular medical insurance.

Long Term Disability
Eligibility: Full-time & part-time employees.
Premiums: Employee paid.
Benefit Description: Long term injury or illness. One year coverage. Seven day waiting for illness, none for accidents. Pre-tax dollars.

Short Term Disability
Eligibility: Full-time & part-time employees.
Premiums: Employee paid.
Benefit Description: Short term illnes or injury. One year coverage. Seven day waiting for illness. None for accidents. Pre-tax dollars.

Additional Life Benefits
Eligibility: Full-time & part-time employees.
Premiums: Employee paid.
Benefit Description: Apply for individual, spours, or dependent children life insurance.

Unum- 1800-635-5597 www.unum.com

Flexible Spending (Section 125) Accounts

Medical Reimbursement
Eligibility: Full-time & Part-time.
Premiums: Employee paid. 
Benefit Description: $2400 maximum yearly amount. Reimbursement of any medical cost, such as deductibles, co-pays, health, vision, dental costs. IRS-"Use it or lose it" plan.

Dependent Care Reimbursement
Eligibility: Full-time & part-time employees.
Premiums: Employee paid. 
Benefit Description: $5,000 maximum yearly amount. Reimbursement of any dependent under the age of 13 in licensed day care facility/caretaker.

Chappele Consulting Group- 1-800-257-0986 www.fsa4me.com or fsa.chappellebenefits.learncdhc.com

Employees are eligible for all voluntary and flexible spending benefits the first of the month following thirty days of employment.