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Benefit Plan
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Eligibility
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Plan Features
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Cost/Pay Period
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Comprehensive Major Medical Plan
(Humana Employers Health)
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Regular, full-time. First day of the month
following 30 days of employment.
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Fully-insured comprehensive
major medical with enhanced preventive care benefits. PPO.
$5,000,000 lifetime maximum. Precertification required. Pre-existing
conditions 6/12. Dependent ages 19/25.
In-Network:
Annual Deductible: $500 individual. $1,500 family.
Office Visit Copay: $15.
Coinsurance:
90% after the annual deductible, including office therapy,
office surgery, inpatient care, outpatient hospitalization,
emergency care, maternity, and home health care. Prenatal
care: 100% to $200. Preventive Care: 100% to $200.
Emergency Care: $75 copay, then 90% after
deductible.
Out of Pocket
Limit: $1,000
individual, $2,000 family.
Out-of-Network:
Annual Deductible: $500 individual. $1,500
family.
Coinsurance:
70% after the annual deductible, including office visits,
office therapy, office surgery, inpatient care, outpatient
hospitalization, emergency care, maternity, and home health
care. Preventive Care: 100% to $200.
Emergency Care: $75 copay, then 70%
Out of Pocket Limit: $3,500 individual, $10,500 family.
Prescriptions:
$10 generic formulary copay. $20 brand name
formulary copay. $35 non-formulary co-pay. Mail order available.
Provider Directory:
Humana
Provider Directory
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CDG pays 100% of the cost
for employee coverage and 50% of the cost of dependent coverage.
Dependent Medical with Prescription Drug Coverage
Cost:
Emp./Child:
$79.55
Emp./Spouse:
$97.22
Family:
$181.19
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Indemnity Dental Plan
(Humana Employers Health)
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Regular, full-time. First day of the month
following 30 days of employment.
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Dependent ages 19/25.
Annual Maximum Benefit: $3,000
Annual Deductible: $50/$150.
Preventive: 85% (cleaning, fluoride,
x-ray) after deductible.
Routine: 85% (filling, extraction)
after deductible.
Major: 50% (inlay, bridge, crown,
dentures) after deductible.
Orthodontics: 50% to $1,500 lifetime
maximum.
(Refer to the Summary Plan Description to
classify specific procedures as preventive, routine, or major.)
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CDG pays 100% of the cost for employee coverage
and 50% of the cost of dependent coverage.
Dependent Coverage Cost
Emp./Child: $11.70
Emp./Spouse: $14.09
Family: $26.28
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Group Term Life and AD&D Coverage
(Hartford)
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Regular, full-time. First day of the month
following 30 days of employment.
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Life: $50,000, reduced to 25% at age 70.
AD&D: $50,000 to age 70.
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No cost to employee; premiums are paid by
CDG.
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Supplemental Term Life
(Hartford)
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Regular, full-time. First day of the month
following 30 days of employment.
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1, 2, or 3 times earnings to a maximum of
$500,000. Subject to evidence of good health for amounts over
$40,000.
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Rates are based on employee's age and earnings.
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Supplemental Spousal Term Life
(Hartford)
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Regular, full-time. First day of the month
following 30 days of employment.
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Increments of $10,000 limited to the lesser
of $50,000 or 50% of employee's supplemental term life. Subject
to evidence of good health for amounts over $20,000.
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Rates are based on spouse's age and the amount
of coverage.
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Supplemental Child(ren) Term Life
(Hartford)
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Regular, full-time. First day of the month
following 30 days of employment.
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Ages 6 months to 19 years (23 if full-time
student). $1,000 increments to $10,000.
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Rates are based on the amount of coverage.
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Long Term Disability
(Hartford)
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Regular, full-time. First day of the month
following 30 days of employment.
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Elimination Period: 90 days.
Benefits: 60% of monthly base wages/commissions
to a maximum of $6,000 per month, minimum $100 per month,
payable to age 65.
Definition of Disability: Own occupation.
Survivors Benefits: Lump sum payment
equal to 3 times the participant's monthly benefit.
Benefit Limits: 24-month limit on
mental/nervous benefits.
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No cost to employee; premiums are paid by
CDG.
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Supplemental Long Term Disability
(Hartford)
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Regular, full-time. First day of the month
following 30 days of employment.
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Buys up the employer-provided long-term disability
to 70% of monthly base wages/commissions to a maximum of $10,000
per month.
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Rates are based on employee's earnings.
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Flexible Spending Accounts
(Precision Administrators)
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Regular, full-time. First day of the month
following 30 days of employment.
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$5,000 Medical Reimbursement Account and
$5,000 Dependent Care Reimbursement Account.
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Administrative expenses are paid by CDG.
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401(k) Plan
(ReliaStar)
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There are no age or service requirements.
Participation may begin on the first day of any calendar quarter
next following the date of hire. Salary reduction may begin
on the first day of any payroll period.
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Salary Reduction Amounts: 0-15% of
W-2 compensation.
Vesting: 0% with less than 5 years
of service. 100% with 5 or more years of service.
Loans: Permitted. Loan amount available
is minimum of $1000, maximum of one-half vested interest to
$50,000.
Funds: 9: Bonds/Fixed Income:
Oppenheimer Strategic Income Fund ReliaStar Stable Value Managed
Account. Balanced: ReliaStar Balanced Value Managed
Account Growth/Mid-Large Capitalization: Alger Growth
Portfolio, Mitchell Hutchins Enhanced S&P500 Index Managed
Account, ReliaStar Value Managed Account, Salomon Brothers
Capital Managed Account. International/Global: Pilgrim
International Value Fund. Aggressive Growth/Small Cap:
Pilgrim SmallCap Opportunities Fund
Transfers/Rollovers: Permitted.
Hardship Withdrawals: Permitted.
Employer Matching Contribution: 50%
of the first 1-6% employee salary reduction.
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Administrative expenses are paid by CDG.
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Employee Stock Ownership Plan (ESOP)
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Jan. 1 or
July 1 following completion of 1,000 hours of service, age
21
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Employer Contributions: Annual discretionary.
Vesting: 100% after 5 years.
Transfers/Rollovers: Not permitted.
Hardship Withdrawals: Not permitted.
(Please see more
information about our ESOP.)
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No cost to employee; provided by CDG.
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Paid Time Off
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Regular, full-time. First day of the month
following date of hire.
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Purpose: vacation, sick leave, disability,
jury duty, and personal pursuits.
Less Than 5 Years of Service: 1.25
days accrue per month = 15 days per year for consultants.
1.08 days accrue per month = 13 days per year for Home Office.
5 Years But Less Than 10: 1.67 days
accrue per month = 20 days per year. 1.50 days accrue per
month = 18 days per year for Home Office.
More Than 10 Years: 2.08 days accrue
per month = 25 days per year. 1.92 days accrue per month
23 days per year for Home Office.
Maximum Accrual: 500 hours.
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No cost to employee; provided by CDG.
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Holidays
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Regular full-time
employees, first day of employment.
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New Year’s Day, Memorial Day, Independence
Day, Labor Day, Thanksgiving Day, the day after Thanksgiving
Day, Christmas Day, and 1 floating holiday for employees active
on or before June 30th
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No cost to employee; provided by CDG.
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Short-term Disability Benefits
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Regular, full-time. Documentation required.
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After 30 days, CDG pays 60% of base wages
up to 60 days. Available PTO must be applied.
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No cost to employee; provided by CDG.
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Jury Duty
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First day of employment.
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PTO or unpaid days may be used. CDG continues
health insurance through the end of the first full month of
unpaid jury duty.
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N/A
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Family and Medical Leave of Absence
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Regular, full-time. One year of service.
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Unpaid leave may be granted for up to 12
weeks per 12-month period with 30 days advance request for
childbirth; adoption; serious health conditions of the employee
or the employee's child, spouse, or parent.
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N/A
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Personal Leave
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Regular, full-time. One year of service.
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Unpaid leave may be granted for up to 30
calendar days every two years for personal obligations.
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N/A
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Sabbatical Leave
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Regular, full-time. One year of service and
a satisfactory performance record.
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Unpaid leave may be granted for at least
30 days but for no longer than 12 consecutive months to engage
in intensive research or for a period of rest to prevent job
burnout.
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N/A
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Bereavement Leave
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Regular, full-time. First day of employment.
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Up to 3 paid days for death in immediate
family.
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No cost to employee; provided by CDG.
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Military Leave
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First day of employment.
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Unpaid leave will be granted to employees
called to training or active duty with the U.S. armed forces.
PTO may be applied.
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N/A
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Learning
Credits
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Regular, full-time. Consultants only. First
day of the month following one year of employment.
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Eligible consultants are awarded annual credits
to apply to the job-related learning or training of their
choosing. 25 credits in years 2-5, 35 credits in years 6-10,
45 credits in years 11+.
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No cost to
employee; provided by CDG.
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Professional Memberships
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Regular, full-time. Certified. First day
of employment.
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One annual professional association membership
and costs associated with CE credits for employees maintaining
certain professional certifications.
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N/A
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