Sample Employee Handbook doc

Dental Insurance

The Company offers a dental plan for eligible employees. Please refer to the dental Summary Plan Description for an explanation of the plan benefits and limitations.

Short-Term Disability Plan (STD)

A short-term disability plan is provided for eligible full-time employees. Please refer to the STD Summary Plan Description for an explanation of the plan benefits and limitations.

Employer Note: Five states require employers to provide temporary disability benefits for employees. These states require employers to provide a minimum amount of short-term disability benefits to employees while they are prevented from working due to an off-the-job injury or illness. Some states permit insurance companies to provide the coverage; others insist that all coverage be provided by the state and paid for through payroll taxes. Each state’s plan and administration is handled differently, including eligibility requirements, benefit amounts, and the duration of benefits. The following states require some form of a disability plan: California Hawaii New Jersey New York Rhode Island Accordingly, be sure to comply with your state’s short-term disability laws.

Long-Term Disability Plan (LTD)

Long-term disability coverage is a voluntary benefit that may be made available to employees. This benefit would pay a portion of your regular salary for an extended period of time. LTD is employee-specific. If you elect this type of coverage, please refer to the LTD Summary Plan Description for an explanation of the plan benefits and limitations.