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TABLE OF CONTENTS
Benefit Basics & Eligibility 3 - 4 Down East Wood Ducks are committed
Payroll Deductions 5 to providing you with a comprehensive
Medical Coverage 6-7 benefits package. These benefits are
significant and an important part of your
Prescription Drug Coverage 8
total compensation. They provide
Dental Coverage 9 valuable protection for you and your
Vision Coverage 10 family.
Life and AD&D Insurance 11
Voluntary Life and AD&D Insurance 12
This benefits guide will help you learn
Disability Insurance 13 more about your benefits, review
Additional Benefits 14 highlights of the available plans and
make selections that best fit your
Paid Time Off 15
lifestyle and budget needs.
Glossary 16
Important Contacts 17
The Wood Ducks reserves the exclusive
How to Enroll in Your Benefits 18
right to terminate, amend or modify
Federally Required Notices 18
plans, coverage, and costs of Employee
benefits.
This guide is only a summary of benefits.
Where discrepancies exist between this
guide and insurance documents or
policies, the documents or policies will
govern.
2023 Down East Wood Ducks Benefit Guide Page 2
