Employment Benefits Summary
Effective Date: October 2003

Disclaimer: This is only a brief overview of employee benefits; please refer to the summary plan description, the plan document or contact the Human Resources Department for more detailed information.

BENEFITS AVAILABLE TO ALL EMPLOYEES

A.  RETIREMENT PLANS

1. Pension Plan - defined benefit plan

BJRH provides a "defined benefit" pension plan for employees who work 1000 hours during the calendar year.  Employees are vested after five years of service in the plan.  The cost of the plan is paid entirely by Betsy Johnson Regional Hospital.  Benefits are provided based on a predetermined formula, based on years of vested service and final average compensation

2. 403-b Retirement Savings Plan - defined contribution plan

Employees who work at least 1250 hours per year are eligible to contribute to the 403-b plan.  BJRH matches employee contributions into a 403-b tax deferred savings plan.  Following one year in the plan, BJRH contributes a 25% match of the first 4% of salary the employee saves. Employee contributions always belong to the employee. Employees are vested, or have ownership rights, to the matching account on a stepped basis that reaches 100% after 5 years of service.

B.  EMPLOYEE ACTIVITIES

Service Awards and Employee Recognition Banquet - each year employees with multiples of five (5) years' service are recognized.

Holiday Festivities - employees have the opportunity to get involved in holiday activities in November and December, including a Craft Fair, holiday meal, etc.

MISCELLANEOUS BENEFITS
Direct deposit of payroll checks
Employee Health services
Gift shop
Free parking
Medical Library
Educational opportunities provided on-site
Subsidized cafeteria
Subsidized Wellness Works Program

C.  BENEFITS AVAILABLE TO FULL-TIME AND PART-TIME EMPLOYEES:

All insurance coverage's are effective the first of the month following date of hire.  Benefit deductions are taken from pay on a biweekly basis for the month they are due.  To provide competitive employee-paid premiums, BJRH subsidizes all core benefit options.

1. TWO MEDICAL INSURANCE PLANS - Medcost (Administered By Kanawha    Healthcare Solutions)
   1. Consumer Choice - Free preventive care, HRA account, deductible, coinsurance
   2. Comprehensive - Co-pays for office visits and prescriptions, deductible and coinsurance for other services
2. TWO DENTAL INSURANCE PLANS - (Administered by KHS)
   1. Basic - Preventive and Basic care only
   2. Enhanced - Preventive, basic, and major services covered, orthodontic benefits
3. VISION INSURANCE - Eye Med Vision Care
   1. One eye exam per year
   2. Glasses or contacts once every 24 months
4. LIFE INSURANCE - Reliance Standard

At no cost to the employee, full-time employees receive 1.5x their projected annual base salary in life insurance.  Part-time employees receive life insurance in the amount of $20,000.  Life insurance benefit amounts are prorated once an employee reaches age 70.

5. SUPPLEMENTAL LIFE INSURANCE - Reliance Standard
   1. Employees may purchase $50,000, $100,000, or $150,000 of guaranteed issue life insurance for themselves; $10,000 or $20,000 on their spouse; and $5,000 or $10,000 on their children (include the age for dependent children).
       
6. FLEXIBLE SPENDING ACCOUNTS - (Administered by KHS)
   1. Medical Spending Account (up to $3000 per year)
   2. Dependent Care Spending Account (up to $5000 per year, if married filing jointly)
       
7. EMPLOYEE ASSISTANCE PLAN - Horizon Behavioral Services
    
   1. Completely Confidential
   2. Up to six free counseling sessions per year for employee and/or dependents
   3. Online Referral Services Available

D.  AVAILABLE TO FULL-TIME EMPLOYEES ONLY:

8.        SHORT-TERM DISABILITY INSURANCE - MetLife

At no cost to the employee, full-time employees receive core short-term disability insurance coverage.  BJRH provides 40% salary replacement, not to exceed $200 per week, beginning on the 15^th day of a qualifying disability.

Employees may purchase additional short-term disability insurance coverage, which replaces a total of 60% of his or her weekly salary, not to exceed $1000 per week.  Cost is based on salary.  Changes in salary are updated annually.

9.        LONG-TERM DISABILITY INSURANCE - MetLife

At no cost to the employee, full-time employees receive long-term disability insurance coverage. BJRH provides 50% salary replacement, not to exceed $1000 per month, beginning on the 181^st day of a qualifying disability.

Employees may purchase additional long-term disability insurance coverage, which replaces a total of 60% of his or her monthly salary, not to exceed $5000 per month. Cost is based on salary. Changes in salary are updated annually.

E.  PAID TIME OFF

1.       Paid Time Off
Full-time employees accrue the same amount of PTO hours (holiday, vacation, sick and personal time) each pay period in which a minimum of 72 hours is paid or 40 hours for Part-time employees.  The amount of accrual is based on length of service and a meeting the minimum paid hour requirements each pay period.  PTO accrual is indicated in the table below.

2.    Bereavement Leave (Available to full-time employees only)
Full-time employees receive paid bereavement leave for up to 24 scheduled work hours, per death of immediate family members.

3.    Jury Duty Leave (Available to full-time and part-time employees)
Full-time and part-time employees receive paid leave for the duration of the jury duty assignment.

DEFINITIONS

A. ASSIGNED HOURS
Number of hours employee is assigned to work each pay period in the payroll system.

B. ANNUALIZED SALARY
To determine annualized salary, multiply your hourly pay rate times the number of hours you are assigned to work each pay period, then multiply that amount times 26.

C. BI-WEEKLY
Every other week, 26 times per year. This is the number of times employees have benefit deductions taken from their paychecks.

D. PRE-TAX DEDUCTION
Premiums that employees' pay for medical, dental, and disability insurance are not subject to state, federal and FICA (social security) tax. 403-b contributions are not subject to state and federal tax, but are subject to FICA.

E. FULL-TIME EMPLOYEES
Regular (non-temporary) employees assigned at least 72 hours per pay period. This also includes Baylor staff hired to work 64 hours per pay period including every weekend.

F. PART-TIME EMPLOYEES
Regular (non-temporary) employees assigned between 40 and 71 hours per pay period.

G. PRN TEMPORARY EMPLOYEES
Employees hired to work on an as-needed or temporary basis, less than 40 hours per pay period.