Page 2 - Citizens Bank 2021 Benefit Guide

Our employees are our

most valuable asset.

Citizens Bank of Ada is committed to a comprehensive benefit program that helps our
employees stay healthy and feel secure while maintaining a work/life balance.

Citizens Bank of Ada is pleased to meet your individual needs by offering you medical,
dental, vision, basic life and AD&D, long-term disability and voluntary life and AD&D.
Citizens Bank of Ada’s medical plan also offers a 24/7 Telemedicine benefit through
Teladoc. We still offer an Employee Assistance Program (EAP) for all employees and
dependents.

Citizens Bank of Ada pays the majority of the cost of the employee’s medical and
100% of dental based on your medical election. Our employees also have the option
to purchase dental, vision, and voluntary life coverage for themselves, their spouse,
and children without medical. We pay 100% of your long-term disability and basic life
and AD&D. Our employees still have the option of guaranteed issue amounts this year
for voluntary employee life of $100,000, voluntary spousal life of $30,000, and voluntary
child life of $10,000. Current covered employees under voluntary life are able to
increase up to $10,000 without health questions.

Please retain a copy of this guide in order to review benefits, cost information, and
contact information. This booklet will not serve as an ID card or verification of benefits

at a provider’s office, but provides a basic summary of benefits available to you. For
more information and to review the Glossary of Health Coverage and Medical Terms,
log into our Citizens Bank of Ada benefit website, available 24/7. You can find login
instructions on page 21. For additional contact information, refer to page 22.
employees.benefitzone.com or www.ifcbenefitsolutions.com

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