employee insurance

SHORT-TERM DISABILITY

The company provides employees with disability coverage through Aetna at no cost to the employee. Effective after three months of employment, all employees regularly scheduled to work at least 30 hours per week receive this benefit. It becomes payable on the eighth day of absence due to non-work related injury or illness.

Short-term disability benefits pay eligible non-exempt employees up to 60% of their weekly pay for up to 26 weeks. The plan also continues 100% salary for eligible exempt employees for up to 26 weeks.

LONG-TERM DISABILITY

In case of disabilities continuing after 26 weeks, DLO also provides each eligible employee with long-term disability insurance. This benefit is paid on a monthly basis as long as the employee is disabled, up to age 65 (later if the disability begins after age 60). Payments equal 60% of the employee's monthly pre-disability earning, up to $15,000 per month. Effective after three months of employment, this benefit is provided to all employees regularly scheduled to work at least 30 hours per week.

LIFE INSURANCE

DLO pays for base life insurance, AD&D, and business travel accident insurance coverage for eligible employees at no cost to the employee. The amount of base life insurance equals 3 times the annual base pay for Exempt employees and 11/2 times the annual base pay for Non-Exempt employees. Employees may purchase supplemental life and AD&D insurance up to 2 times their annual base pay. Coverage is effective after one month of employment for all employees regularly scheduled to work at least 30 hours per week.

EMPLOYEE ASSISTANCE PROGRAM

Free counseling services are provided to all employees and their family members through Employee Advisory Resource (EAR). A toll-free number 1-800-328-1952 is available 24 hours a day, 365 days a year, to connect you with a professional counselor.

EDUCATIONAL ASSISTANCE

After six months of employment, DLO reimburses tuition paid by employees regularly scheduled to work at least 30 hours per week for pre-approved, job/career related courses taken at an accredited institution. Employees are reimbursed 100% for tuition expenses and required books up to the annual reimbursement limit and subject to minimum grade standards.

OTHER BENEFITS

Employees may also use the following programs to their advantage:

• Access to a range of MetLife employee paid programs. These include insurance for Long Term Care, Veterinary Pet Care, Legal Services, Dependent Life, Auto, and Homeowners/Renters coverage and Financial Management consulting.
• Adoption Assistance
• Matching Gifts to selected non-profit organizations
• Health Risk Assessments
• Discounted purchase programs for products and services, including phones, movie tickets and cars.

HEALTH & DENTAL INSURANCE

DLO is pleased to offer employees the opportunity to enroll in a Consumer-Directed Health Plan, choosing between Lumenos and the Aetna Choice POS II Medical Plan.  We are committed to supporting our workforce by covering over 80% of the premium for these health plans.

Employees who are regularly scheduled to work at least 30 hours per week are encouraged to participate in one of our comprehensive medical or dental plans.  We also welcome eligible dependents, including qualified domestic partners, to enroll in Lumenos or Aetna Choice POS II Medical Plans.  Coverage will begin in the first month that coincides with or follows one month of employement, ensuring a smooth transition to your health benefits.

Additionally, we offer the Dental PPO coverage as a stand-alone plan, allowing you the flexibility to purchase it independently from medical insurance.  We are dedicated to providing valuable options for your health and wellness needs.