Benefit Packages

Health Care Coverage

Medical
DeCare Dental offers two different medical plans: CMM 250 and Options Blue. CMM 250 is a comprehensive major medical plan. Options Blue is a consumer-directed health plan that allows you to manage your medical costs. The company pays a portion of the premium for full-time employees and their families. The effective date of coverage is the date of hire.

Dental
DeCare Dental offers one dental plan, the DeCare Employee Dental plan provided by Delta Dental of Minnesota. The plan has the same level of benefits for participating and non-participating providers. DeCare Dental pays the full cost of the plan for full-time employees and their families. The effective date of coverage is the date of hire.

SelectAccount
DeCare Dental offers a flexible spending account plan that is administered by MII Life. The plan allows an employee to receive a portion of his or her paycheck as a tax-free fund to cover eligible health and dependent daycare expenses. The maximum annual contribution for a Health Care Expense Account is $3,000 and the maximum annual contribution for a Dependent Day Care Account is $5,000.

Life Insurance

The company provides you with life insurance if you are a full-time employee scheduled to work at least 32 hours per week.

Basic Term Life Insurance
You automatically receive life insurance equal to one time your annual base salary or $50,000; whichever is greater. This coverage also includes accidental death and dismemberment (AD&D) benefits.

Supplemental Life Insurance Coverage
Voluntary life insurance coverage is also available for yourself and eligible dependents.

Retirement

401(k)
The Company offers a Safe Harbor 401(k) Plan that allows employees to make contributions up to a maximum amount per year to their retirement plan. Employees are eligible to contribute from 1% to 100%. The Company will match 100% on the first 3% of the employee’s deferral and 50% on the next 2% of the employee’s deferral.

Employees are eligible to enroll on their hire date. Newly hired employees are automatically enrolled in the plan at a contribution rate of 3%, unless the employee elects to opt out of the plan. Contributions will be invested in a Wells Fargo Advantage Dow Jones Target fund until investment elections are changed. The default election will be based on the plan retirement age of 65 minus your current age. You may change your investments elections at anytime.

In addition, there are rollover provisions, as well as a loan program available. Vesting is full and immediate on the matching contribution of the first 5% of salary.

In addition, the Company offers a discretionary 401(k) match, which is based on attainment of company goals. This match will be determined at the end of the plan year. The vesting period for the discretionary match is three years. 

Pension
The DeCare Dental Pension Plan is a defined benefit plan; which is fully funded by the company. The Plan is designed to provide an additional source of retirement income for eligible employees. Eligible employees will earn a pension benefit based on their earnings and length of service with the Company.

After completing five years of service, employees are “vested”, meaning that they have a right to receive a benefit even if their employment terminates prior to retirement.

Paid Leave Programs

Short-term Disability (STD)
STD, available at no cost to eligible employees, provides 80% of normal base pay. Employees are covered on the first day of the month on or after 30 calendar days of continuous service. If you become disabled, you use PTO for the first five days (40 hours) before eligible disability benefits begin.

Long-term Disability (LTD)
LTD, available at no cost to employees working 32 hours per week or more, provides 60% of normal base salary (up to a maximum of $15,000 a month), beginning 180 calendar days after the onset of the disability.

Paid Time Off (PTO)

PTO allows flexibility and responsiveness to individual needs. This program allows employees to manage their own time off for vacation and occasional absences from the scheduled workday while protecting the employee's income. PTO may be used for any of the following reasons:

• Vacation
• Personal or family illness, including family and medical leave
• Medical or dental appointments
• Severe weather
• Child care/elder care
• Personal business
• Observance of religious holidays

PTO is accrued for all employees on a biweekly basis. Following is the PTO accrual rates for full-time employees working 32 hours or more per week:

Non Exempt Employees

Exempt Employees

Note: PTO is prorated for employees who work 20 to 32 hours per week.

Holidays
There are nine paid holidays each year, which may include floating holidays (employee choice). Holidays are prorated for employees who work 20 to 32 hours per week.

Payroll

Employees are paid every other week (26 pay periods). The company offers a direct-deposit payroll option.

Education and Training

All employees are eligible for financial assistance for post secondary education, licensing, technical training, seminars and workshops.

After six months of employment, financial assistance is provided to employees who voluntarily undertake and successfully complete training/education programs that are relevant to their work or the general business activity of the company. For post-secondary education, employees are reimbursed up to $2,500 a calendar year for under-graduate studies and $4,000 a calendar year for graduate studies. Employees must be working towards a job/business related degree.

Wellness Program
The DeCare Wellness Program offers activities, events and education and training programs designed to encourage employees to assume greater responsibility for their health choices and to promote a healthy lifestyle. It also aims to heighten employee awareness of healthy behaviors and to provide employees an opportunity to become involved in healthy activities.

Additional Benefits

• Employee Assistance Program
• Adoption Reimbursement Program
• Auto and Home Insurance Programs
• Child Care Discounts
• Banking Services
• MERSC (Minnesota Employee Recreation & Services Council)
• Sam's Club Memberships
• Savings Bond Program
• Healthy Start
• Smoking Cessation Program
• BluePrint for Health
• First Help