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The Benefits Department looks forward to helping make your transition into the RHD community as pleasant and as smooth as possible. 

Benefits for ALL Employees

403(b) Retirement Savings Plan: From the first pay period RHD offers all employees a chance to save for their retirement. Serviced by Great West Life & Annuity Insurance Co., “RHD Investor’s Choice” is an excellent way to plan for the future. Similar to the 401(k), a 403(b) deducts money pre-tax from your paycheck, thereby lowering your taxable income. The money is then invested in funds that you select, and you can control your investments by phone or online. 
 Benefits for Full-Time Employees

To help full-time employees pay for their benefits, RHD gives Benefit Dollars. Benefit Dollars can be taken as additional taxable income or can be used to buy benefits on a pre-tax basis. The formula RHD uses to calculate your benefit dollars is a percentage of your regular gross salary plus an additional per pay contribution towards the cost of the RHD HEALTH insurance premium for the medical plan you select (called health allowance). OR 

Check with your Unit Director for your unit’s Benefit Dollars percentage. You are eligible for coverage and benefit dollars on the first day of the month following two months of full-time employment. The cost of the plans you select will be deducted first from your company Benefit Dollars then from your earnings from the first pay check in the month you are eligible. 

Coverage Options for Full-Time and Regular Part-Time  Employees

Supplemental Term Life Insurance:  Term Life insurance pays a benefit in the event of death of a covered individual. Employees may elect up to $50,000 for themselves, up to $30,000 for a spouse or domestic partner, and up to $10,000 for each child.

Accidental Death & Dismemberment (AD&D):  AD&D insurance pays benefits to the beneficiary if the cause of death is due to an accident. Fractional amounts of the policy will be paid out if, because of an accident, the covered employee loses an appendage, sight or suffers permanent paralysis.  Coverage is available for you and your eligible dependents.

Coverage Options for Full-Time Employees

Note:  RHD requires all full time employees to have health insurance either through RHD or an outside source.

Health Insurance: RHD offers a variety of HMO’s and Preferred Provider Plans, depending on the area of the country. More detailed information on each carrier is available at your unit or through the RHD Benefits Department. 

Dental Insurance:  Delta Dental of Pennsylvania—High and Low Options are available in all areas in which RHD employees work. 
Long Term Disability: This plan covers your salary at 60% when Short Term Disability is finished. The coverage ends when you are no longer medically disabled, or age 65, whichever comes first. Some pre-existing condition provisions may apply.

Flexible Spending Accounts (FSAs): FSAs are not insurance coverage. They are tax-free accounts where money that is withheld from your pay before tax is held and used for either medical or dental costs not covered or not covered in full by insurance, day care expenses, or public transportation/parking fees incurred traveling to work. The money is held in a separate account until a reimbursement request is submitted. The money is then reimbursed to the employee with no tax withheld.

Company Paid Coverage Full Time Employees

Term Life Insurance: RHD pays for $10,000 of group term life insurance for all full time employees. 
Short-Term Disability (STD): is company paid for all full time employees regularly working at least 80% of their unit’s regular work week. The benefit will pay 60% of your salary, if disabled, for up to 15 weeks, after a two week
waiting period, during which sick/vacation time may be used.
Coverage begins the first of the month following twelve months of employment.

Voluntary Insurance Plans from Allstate for Full Time Employees

Supplemental Disability: To supplement the STD plan provided by RHD, Allstate Life offers the opportunity to purchase additional disability insurance.
Universal Life Insurance: If an employee is interested in additional life insurance, Allstate offers supplemental policies based on your insurance
Accident Insurance: Helps offset the direct and indirect expenses resulting from an accident not covered by traditional health plans.
Cancer Coverage: Helps pay the direct or indirect costs of cancer. These plans offer screening benefits that encourage regular health exams.
Call Allstate Enrollment Services at 1-877-628-3676 for details.

Voluntary Plans from MetLife for Full-Time Employees

VPI ®Pet Insurance. Health insurance for your pet.
This plan offers affordable plans for dogs, cats, birds and
other pets. Optional Pet Wellness plans are also available.
Employees can save with special discounts and choose any
licensed veterinarian. To get price quotes and coverage
options call 1 800 GET-MET 8.

MetLife Auto & Home® Employees are eligible for
special group discounts on auto and home insurance
from MetLife Auto & Home. Many policies are
available including condo coverage, renters insurance
and coverage for RVs. To get price quotes and coverage
options call 1 800 GET-MET 8.

All RHD employees are required to have health insurance and will automatically be enrolled. If you have other coverage, you may waive the RHD plan.

This is just a brief summary of benefits for illustrative purposes. only. Carrier contracts and RHD policies will prevail.