Benefits summary
(2022-23)
Reading Partners wishes to provide its employees with a well-rounded benefits
pro- gram that will enable employees to lead healthy, productive, and balanced
lives – inside and outside of work. Full-time (FT) employees working 30+
hours/week are eligible for all Organization-sponsored benefits. For complete
details please refer to the Reading Partners Employee Handbook.
HEALTH
Medical insurance - Medical benefits are
provided by BlueShield / BlueCard. You will
have a choice between a PPO with or with-
out a high deductible HSA option. Medical
plans require a premium contribution. HSA plans auto-
matically include an HSA bank account. Coverage begins
on the first day of the month following your start date.
Health savings account (HSA) - Reading Partners pro-
vides funds into the employee’s bank account: $1,200 -
enrolled as single or $2,400 - enrolled as family.
Dental - Guardian Dental HMO and PPO plans availabale.
The Dental plans require a premium contribution.
Vision - Guardian Vision PPO plan has both In-network and
out-of-network options. Vision care requires a premium
contribution.
FINANCIAL
Flexible spending account (FSA) - Employ-
ees can set aside some of their own money
on a pre-tax basis to pay out-of-pocket
medical expenses, dependent care, and
commuter expenses.
Life/AD&D benefits - Your Life/AD&D benefits provide
financial protection for your family. $100,000 of life in-
surance coverage is provided at no cost to employees.
Retirement 403(b) - Employees may contribute up to the
federal maximum amount of pre-tax dollars towards their
retirement & savings annually. Employees 50 years or
older may contribute an additional catch-up amount of
$6,500. Employees working 20+ hours per week may
enroll directly 3 days after their first paycheck.
OTHER BENEFITS Voluntary insurance - Life,
critical illness, cancer, and
accident insurance available
Pet insurance - Nationwide
for employees and family.
provides a pet insurance
Premiums paid via payroll
option for our employees.
deductions.
TIME OFF & LEAVES
Family & medical leave benefits –
Under the Family & Medical Leave Act
(FMLA), employees are eligible for up to
12 weeks of of unpaid leave providing they have worked
at least 12 months and 1,250 hours in the previous 12
months, and meet one of the required following
reasons: 1) birth of a child, 2) adoption or foster care, 3)
serious health condition, 4) to care for an immediate
family member, and 5) for reasons of active duty status.
“Additional” Leave benefits are available for employees
in CA, CT, DC, MA, NJ, NY, RI & WA. FT employees on
FMLA leave are eligible for STD leave up to 13 weeks.
Short term (STD) & long term disability (LTD) - STD &
LTD benefits provide partial income protection up to
66.67% of your salary in the situation where you have an
accident or illness that prevents you from working.
Paid parental leave - At 180 days, employees can earn
at least 55% of their base wages for eight weeks while on
parental leave. Wage replacement percentage increases
based upon months of service.
Vacation & sick leave - Eligible FT employees receive 12
days of sick time and at least 10 days of vacation time
each year. Vacation is capped at 125% of the annual
accrual rate.
Holidays - Observe 12 paid holidays per year. Holiday
pay is based upon number of hours scheduled to work
and accrues on a pro-rata basis. Flexibility to observe
religious holidays not included in the schedule.
Closure periods - The CEO may declare 2 discretionary
paid closure periods of up to one week each during
winter and summer breaks. Neither the closures nor pay
during the closures is guaranteed.
Employee assistance Professional development
stipend - After 90 days of
program (EAP) – Free
employment, all full-time staff
unlimited phone consultation
are eligible for reimbursement
with an EAP counselor for
of up to $1,000 as part of a
guidance and information professional development
regarding personal concerns. allowance.
 Benefits summary
Medical and disability

Blue Shield / Blue Card, Group # W0067559

PPO 10-250 Plan HSA Savings 1800 HSA funding by Reading Partners
OUT-OF- OUT-OF- ANNUAL IRS ANNUAL
IN-NETWORK IN-NETWORK
NETWORK NETWORK AMOUNT* DEPOSIT LIMIT**
Deductible single $250 $750 $1,800 Employee $250 $750
Deductible family $500-$750 $2,250 $3,600 ($2,800 per individual)
Family
Physician's Office Care $500-$750 $2,250
(2 or more)
Office visit copay $10 ($10 Spec) 30% after ded 20% after ded 40% after ded
Catch-up
N/A $1,000
Well baby care No Charge 30% after ded No Charge 40% after ded (55 or older)
Preventive & vaccines No Charge 30% after ded No Charge 40% after ded *Employer will fund the HSA accounts each pay period:
Labs and x-rays $10-$35 after ded 30% after ded 20% after ded 40% after ded $50 (single) or $100 (family-enrolled with 1 or more
dependents)
Chiro / acupuncture
$25 after ded 30% after ded 20% after ded 40% after ded **Annual limit includes employer contribution
(20 visits)
Prescription Drugs (Mail Order 2 x copay for 90 day supply)
Generic $10 ($20) $10 + 25% $10 ($20) after ded $10 + 25%
Brand name $30 ($60) $30 + 25% $25 ($50) after ded $25 + 25%

Brand name (non-form) $50 ($100) $50 + 25% $40 ($80) after ded $40 + 25%

Hospital Care
Urgent Care $10 30% after ded 20% after ded 40% after ded
$100/admit +
In-patient hospital 30% after ded 20% after ded 40% after ded
10% + ded
Out-Patient Hospital 5%-15% after ded 30% after ded 20% after ded 40% after ded
Hospital Emergency $150 (Waived if admitted) 10% after ded 20% after ded
Maximum Out-of-Pocket
Individual $2,250 $3,500 $4,500 $8,000
Family $4,500 $7,000 $9,000 $16,000
Max. lifetime benefit Unlimited Unlimited
Monthly Employee Cost
Employee $135.32 $50.45
Employee + Spouse $311.22 $116.04
Employee + Child(ren) $230.04 $85.77
Family $392.41 $146.31

Short-Term Disability, Group # 469961 Long-Term Disability, Group # 469961 Basic Life AD&D, Group # 469961
Coverage amount 66.67% of salary 66 2/3% of salary to Coverage amount $100,000
Coverage amount
$7,000 per month
Weekly benefit $1,750 Guarantee issue $100,000
Maximum payment period to age 65
Benefits begin Day 8 Benefit is paid by Reading Partners
Benefits begin 91 days
Duration of benefits 13 weeks
Pre-existing condition 3 months
Benefit is paid by Reading Partners
Benefit is paid by Reading Partners

Note: Information provided in this handout is for comparison purposes only and is provided without any coverage guarantees. Refer to
insurance carrier plan information to verify any specific procedures.
 Benefits summary
Dental and vision

Guardian Dental, Group # 469961 Vision Plan (VSP), Group # 469961

Dental PPO Dental DHMO** IN-NETWORK OUT-OF-NETWORK FREQUENCY

Exams $10 Amount over $50 Every 12 months

NON-
CONTRACTED
CONTRACTED PRIMARY CARE Lenses
PROVIDER PROVIDER* DENTIST Single vision No charge Amount over $48
Managed Dental Bifocal No charge Amount over $67 Every 12 months
Network Dental Guard Preferred Trifocal No charge Amount over $86
Care
Lenticular No charge Amount over $126
Calendar year maximum $1,500 --- Contacts
Medically
No charge Amount over $210
Calendar year deductible $50 $75 --- necessary
Amount over $130 Amount over $130
Elective
100% 100% * $130 Retail + 20%
Preventive services: Frames Amount over $48 Every 24 months
$0 balance
Exam, x-rays, cleaning Deductible waved
Monthly Employee Cost
General/Basic Services:
80% 80% * ---
Fillings, endodontic, perio.
Employee $5.27
Major Services: Implants
50% 50% * $70 - $155 Employee +
crowns, bridges, dentures $7.75
Spouse
Orthodontic services: Employee +
50% 50% * $1,500 - $2,800
Child and adult $7.91
Child(ren)
Orthodontics lifetime
$1,500 ---
maximum Family $12.75
Threshold $700, In network $500
Maximum rollover ---
($350 Out), limit $1,250
Monthly Employee Cost

Employee $15.72 $6.57

Employee + Spouse $29.24 $13.15

Employee + Child(ren) $39.11 $13.69

Family $52.61 $20.64

* UCR-When using an out-of-network dentist, Guardian will reimbursement 90%

** Only available in California, Colorado, Texas, New York, New Jersey

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Note: Information provided in this handout is for comparison purposes only and is provided without any coverage guarantees. Refer to
insurance carrier plan information to verify any specific procedures.
 Benefits summary
Voluntary coverage

Flexible spending account (FSA)

LIMITS*
Medical FSA $2,750 / yr
Dep care FSA $5,000 / yr
Commuter $270 / mo
Parking $270 / mo

*Pre-tax through payroll deductions

(877) 739-1574 or https://paysysee.lh1ondemand.com

Voluntary Life Insurance, Group # 469961 Voluntary Critical Illness,* Group # 469961
Employee benefit Up to $500,000 First Occurrence Second Occurrence
Spouse 50% of employee
Spouse & child Invasive cancer 100% 50%
$10K child

$200K employee Heart

Guarantee issue $25K spouse 100% 50%
attack/failure
$10K child

Benefit is Voluntary Through Payroll Deductions Stroke 100% 50%

Organ/kidney
100% 50%
failure
Voluntary Accident Insurance, Group # 469961
Wellness benefit $50 Wellness benefit $50 - Employee, Spouse, & Child(ren)

Urgent care $75 Guarantee issue $10,000 Employee, $5,000 Spouse

Physical therapy $25 Child = 25% of

Employee Cost Per Paycheck (includes Children)
employee
Ambulance $150
Benefit amounts <30 30-39 40-49 50-59 60-69 70+
ER $175
$5,000 $2.34 $3.08 $5.17 $8.75 $12.92 $23.26
Hospital admission $1,000
$10,000 $3.86 $5.33 $9.45 $16.48 $24.67 $45.11
Hospital confinement $225/day up to 1 year
$15,000 $5.39 $7.58 $13.72 $24.20 $36.42 $66.96
Surgery $1,250
$20,000 $6.91 $9.83 $18.00 $31.93 $48.17 $88.81
Knee cartilage,
$500 $25,000 $8.44 $12.08 $22.27 $39.65 $59.92 $110.66
tendon/ligament
Transportation $500 Spouse Premium (Per Paycheck)

Monthly Employee Cost Benefit amounts <30 30-39 40-49 50-59 60-69 70+

Employee $9.93 $2,500 $1.58 $1.96 $3.04 $4.89 $7.05 $12.33

Employee + Spouse $15.90 $5,000 $2.34 $3.08 $5.17 $8.75 $12.92 $23.26

Employee + Child(ren) $16.00 $7,500 $3.10 $4.21 $7.31 $12.62 $18.80 $34.18

Family $21.97 $10,000 $3.86 $5.33 $9.45 $16.48 $24.67 $45.11

$12,500 $4.63 $6.46 $11.59 $20.34 $30.55 $56.03

* Critical Illness Insurance is Voluntary, See Plan Summary for Full Coverage

Note: Information provided in this handout is for comparison purposes only and is provided without any coverage guarantees. Refer to
insurance carrier plan information to verify any specific procedures.