Summary of Benefits
AEA 11 CLASSIFIED/TECHNICAL NON-UNION STAFF
INSURANCE Carrier Agency Cost Employee Cost Major Features of Coverage
Hospital/surgical/ Wellmark $500/$1000 Deductible Two health plans are available. A $500
prescription drug Blue single $6,533.40 none deductible and $1500 deductible plan.
Cross/Blue family $16,333.56 none Preventive services must be received
Shield from your primary care doctor. May
$1500/$3000 Deductible use any Wellmark physician without a
single $ 5,534.52 none referral for all other services. The
family $13,836.36 none deductible does not apply to any
service done at an in-network doctor’s
office. In network expenses paid at
85%. Out-of-network expenses paid at
70% after the deductible. Prescription
drugs are $5 generic, $20 formulary,
$35 brand name non-formulary, and
there is a $100/$200 calendar year
deductible for non-generic drugs.
Health Kabel Insurance Annual None A Health Reimbursement Arrangement
Reimbursement Business Plan Selected Contribution (HRA) is available when specific
Arrangement (HRA) Services insurance plans are chosen. If you
Sgl or Family None select the single or family $1500
$500 plans deductible plan, the Agency contributes
to an HRA on your behalf. Maximum
Sgl $1500 $ 738.00 rollover at end of plan year is $6000.
Fam $1500 $1944.00 May receive claim reimbursement for
out-of-pocket medical, dental and
vision expenses. Eligible retirees may
continue to submit claims against their
HRA balance for up to 5 years after
retirement. If an employee terminates
employment for other than retirement,
they forfeit all funds in their HRA.
Dental Delta single $358.32 none Pay for exams at 6 month intervals,
Dental family $1,124.88 none X-rays at 12 months. Pay 80% for
extractions, 50% orthodontics and
periodontics. $25 deductible. Benefit
period maximum of $1,500. Lifetime
maximum on child orthodontia-$1500.
Flexible Benefit Kabel None All The agency offers a flexible benefit plan for
Plan Business employee medical premiums, dependent care and
Services deduction unreimbursed medical expenses. Debit
cards may be purchased for $18 for use
$60/year with your medical flex plan.
Discount Vision Delta No cost None Voluntary discount benefit on vision
Dental voluntary hardware if you use EyeMed list of
benefit providers, some of which include Target,
Sears, Pearle Vision and Lenscrafters.
Discounts may include 30% on frames,
15% on contacts, and lower cost lenses.
Continue to get your vision exam through
Wellmark’s health plan and pay 15% when
using in-network providers.
Wellmark Check your Blue365 member benefits for
Blue365 discount vision coverage by looking on the
vision Wellmark website.
Term Life Madison $79.80 none $50,000 double indemnity.
Income Protection Madison up to $282.00 none 66.67% of salary, 70% of all income
National sources 60-day waiting period.
RETIREMENT PROGRAMS Agency Cost Employee Cost Features
F.I.C.A. (Social Security) 6.20% of salary 4.20% of salary thru For Social Security reduced benefits at
Dec 2012/than 6.2% 62, full at 66 or higher.
Medicare (all wages subject 1.45% of salary 1.45% of salary Medicare eligible at age 65.
IPERS (State of Iowa) 8.67% of salary 5.78% of salary Vested interest after 7 years, 6 options for
no cap no cap use at retirement.
403(b) (voluntary) None Employees may choose to participate in the State of Iowa 403(b)
plan, which offers 6 provider choices. Deductions are taken on a
pre-tax basis from the employee’s paycheck. Changes in amount
or provider may be made monthly and will be effective the
following month. You may enroll at any time.
LEAVES Use Features
Sick Leave Illness or injury of 18 days per year, cumulative to 110 days. May be used in no less
employee than one-quarter hour increments. Must have approval and
employer may require proof of illness or injury. A five workday
absence requires doctor's approval to return to work.
Other Paid Leave 3 days of OPL 3 days per year, non-cumulative, for full time staff. May be
used in one-quarter hour increments. Must have 5 days prior
approval except in an emergency.
Sick/family leave 3 days of personal sick 3 days per year, non-cumulative. May be used in one-quarter
leave may be used as hour increments. Must have 5 days prior approval except in an
indicated. emergency. Staff may use up to 3 days of their personal sick
leave for building/office closing or illness in the immediate
family. Immediate family shall be limited to the employee’s
spouse, child, stepchild, parents, step-parents, siblings,
grandchild, grandparents, son-in-law, daughter-in-law, sister-
in-law, brother-in-law, father-in-law, mother-in-law, member’s
of the employee’s immediate household and cohabitating
Bereavement Leave Death in family Up to 5 days for preparation and attendance at funeral of member
of immediate family which includes spouse, child, stepchild,
parents, step-parent, siblings, grandchild, grandparent, son-in-
law, daughter-in-law, sister-in-law, brother-in-law, father-in-law,
mother-in-law, member’s of the employee’s immediate household,
or cohabiting, domestic partner. In the case of the death of any
other relative or person of close personal relationship, or a
Heartland employee, Heartland employee’s spouse, parent or
child, up to one working day of absence may be granted.
Jury Duty Serve on jury Employee receives full pay from agency.
Fulfilling subpoena Fee received, except separate mileage money, must go to agency.
Must file jury notice or subpoena with agency.
Vacations Twelve-month employees the 1st year receive 12 days vacation; 2nd year 14 days; 3rd year 16 days; 4th year
18 days; and 5th year 20 days. Vacation prorated for those working less than twelve months. If employee
begins before September 1, they receive credit for that year. May be used in one-hour increments. Vacations
must be scheduled. May draw ahead on vacation, but must repay if you leave employment before the end of
your contract year.
Holidays Fourth of July, Labor Day, Thanksgiving, Friday after Thanksgiving, Christmas Day, and two floating days in
December (December 24 and 31 in 2012), New Years (January 1, 2013) and Memorial Day.
Professional $50.00 per year paid for approved memberships. May include multiple organizations. Request for
Organization Dues reimbursement submitted once per year accompanied by original receipts.
Please Note: This is a summary of benefits for communication and recruitment purposes and does not supersede or replace board policies.