Covered by Highmark Blue Cross Blue Shield.  Part-time employees must work 75% of a full-time schedule (30 hours or more per week).  Must enroll at time of hire - or within 30 days of hire - after 30 day qualifying period - coverage begins on first of month following 30 day qualifying period.  Premiums split 75% (Agency) - 25% (employee).  There are two plans offered:  Both High Deductible plans with Health Reimbursement Accounts (HRA).  Premiums are listed below:

Employees must sign a waiver if not taking health insurance for self and/or family members. 

Covered by MetLife Insurance Company - Part-time employees must work 75% of a full-time schedule (30 hours or more per week).  Must enroll at time of hire - or within 30 days of hire - after 30 day qualifying period - coverage begins on first of month following 30 day qualifying period. Life Insurance coverage is equal to one year’s annual salary.   Disability coverage could be 60% of monthly salary up to retirement age.  Complete details are available through the plan summary.  Premiums entirely paid by Agency.

All regular employees earn up to .5 day per month if full work schedule is met. Part-time positions are pro-rated based on percentage of schedule.

May only be accessed for serious illness of employee, and after satisfying 5 qualifying days of absence must request and submit physician's documentation in writing.

All full-time and part-time employees earn Paid Time Off for every full month worked.  This time is used for any days requested in place of vacation, illness, or holidays.

The following benefits are given to all employees, regardless of status:

After one year service with CHS of WV, and having worked at least 1,000 hours in that year, an employee qualifies for the profit-sharing plan.  After verifying qualifications, employee receives enrollment package for entry on the first of the month of the following quarter (January 1, April 1, July 1, and October 1).  A contribution from the Agency will be made on a monthly basis at a rate announced by the Agency.  Current rate (10/1/01) is 6% of wage paid.  Vests 20% per year - takes total of 6 years of participation for 100% vesting.  Can withdraw after termination.

All employees may begin contributing to the Tax-Sheltered Annuity program at the beginning of any quarter and may withhold between 2%-20% of gross income.  Investments are directed by the employee and the employee can only close the account after termination.

All employees may enroll upon hiring for the voluntary insurance benefits below:

Dental and Vision Insurance through Citizen’s Security Life Insurance Company.  Premiums are paid solely by the employee and are deducted from semi-monthly paychecks one month in advance and remitted to Citizen’s by CHS.  Rates are as follows:

Coverage	Dental Monthly Premium	Vision Monthly Premium
Single	$27.50	$10.21
Employee & Spouse	$52.90	N/A
Employee & Child	$60.02	N/A
Employee +1	N/A	$18.72
Family	$93.82	$28.50

Colonial Supplemental Insurance is offered to all employees and premiums are paid solely by the employee and deducted from semi-monthly paychecks at the end of the month for the previous month.  Premiums are remitted to Colonial by CHS and vary by employee and type of coverage.