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2017 Benefits Overview
United Healthcare Long-Term Disability (LTD) Coverage:
One of your most important assets during your working years is
Medical Coverage: your ability to earn a wage. The LTD policy provides income
protection for you in the event you are disabled due to sickness
QuesTec offers you two health plan choices: or injury away from the job. It provides 66.67% income
1. High Deductible Health Plan with corresponding HSA replacement up to a maximum of $6,000 per month for the
(health savings account)*. period of approved disability. Other factors may impact the
2. Traditional Choice Plus – PPO plan. amount you receive through the LTD benefits. This benefit is
100% employer paid.
Employer Contribution:
*QuesTec will contribute $1,500 to each employee’s HSA Bank Voluntary Accident Coverage:
Account for 2017, distributed to your account quarterly.
This optional (100% employee paid) policy pays policyholders
Guardian cash in the event of a covered accident. The cash can be used
as you see fit. This plan helps provide a financial cushion if an
Dental Coverage: accident occurs.
Your employer offers a comprehensive dental plan through Voluntary Critical Illness with Cancer Coverage:
Guardian. You may use the dental provider of your choice,
however, you will receive greater benefits by seeing a This optional (100% employee paid) policy can help with
participating network provider. If you see a non-participating expenses that medical insurance doesn’t cover, such as
provider, the dental provider may balance bill you for the deductibles or out-of-pocket costs, or services like experimental
difference between Guardians’s accepted fee and the provider’s treatment. Critical illness supplements your medical and
actual charge. QuesTec pays 100% for employee coverage. disability insurance.
.
Basic Life Insurance & AD&D Coverage: Voluntary Cancer Coverage:
All eligible employees are provided $20,000 of Basic Life & This optional (100% employee paid) policy is designed to pay
Accidental Death and Dismemberment insurance through cash benefits that can be used to help offset cancer-related
QuesTec. There is an equal amount of accidental death and expenses and to help with a variety of daily living expenses.
dismemberment insurance.
EAP- Work Life Matters Confidential Counseling:
Short-Term Disability (STD) Coverage:
WorkLifeMatters provides guidance for personal issues that you
This policy replaces 60% of your income up to $750 on a weekly might be facing and information about other concerns that affect
basis in the event you are unable to work due to an accident or your life, whether it’s a life event or on a day-to-day basis. It’s
illness. This benefit is 100% employer paid. free, voluntary, and strictly confidential for unlimited telephone
consultation.
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