LifeNet Employee Benefits

Summary Of LifeNet Employee Benefit Information

This document does not contain a complete list of all benefits. Please contact the Human Resource Department for complete enrollment materials & policy certificates that will provide further details on available benefits.

Following 90 consecutive days of full-time employment with LifeNet, an employee becomes eligible to participate in a broad range of comprehensive benefits. Participation is mandatory in non-contributory insurance coverages (those paid 100% by LifeNet). Participation is voluntary in contributory coverages (those paid in part or full by the employee).

Listed below are brief descriptions of the various benefits available to full-time LifeNet employees. For complete details on company benefits, please contact the Human Resource Department.

Non-contributory Group Term Life & AD&D Insurance: Group Term Life Insurance equal to 100% of an employee's annual salary and Accidental Death & Dismemberment Insurance equal to 100% of an employee's annual salary is provided at no cost to the employee. These insurance coverages are only available for the employee, not family members.

Non-contributory Dependent Life Insurance: Group Term Life Insurance covering an employee's eligible dependents is provided at no cost to the employee in the following amounts: Spouse Amount = $10,000, Child(ren) Amount(s) = $ 5,000

Non-contributory Short-term Disability Insurance: STD Insurance is provided at no cost to the employee. It will pay up to 70% of an employee's pre-disability earnings beginning with the 1^st day of disability due to accidental injury & beginning with the 8^th day of disability due to illness or pregnancy. STD benefits are payable for a maximum of 26 weeks.

Non-contributory Long-term Disability Insurance: LTD Insurance is provided at no cost to the employee & is designed to begin when STD benefits have been exhausted. After an employee has been disabled due to accidental injury, illness, or pregnancy for 6 months, LTD coverage will pay up to 60% of the pre-disability earnings. LTD benefits may continue until an employee reaches age 64.

Contributory Medical Insurance: An employee may purchase major medical insurance for him/herself & eligible dependents that provides broad comprehensive benefits for medical expenses resulting from illness, injury, or pregnancy. A $10 co-pay covers office visits to PPO providers, wellness/preventive care services are covered 100%, & a co-pay prescription drug card is provided. LifeNet pays 90% of the premium for the employee's coverage & 50% of the premium for an employee's eligible dependent(s) coverage.

Contributory Dental Insurance: An employee may purchase dental insurance coverage for him/herself & eligible dependents. The dental plan provides broad comprehensive coverages for dental expenses, including 100% for preventive care & 50% for orthodontia charges for children under age 19. LifeNet pays 90% of the premium for the employee's coverage & 50% of the premium for an employee's eligible dependent(s) coverage.

Contributory Group Term Life Insurance: An employee may purchase additional Group Term Life coverage for him/herself & his/her dependent(s).

Employee	Amounts in multiples of $10,000 not to exceed 300% of the employee's annual salary amount.
Spouse	Amounts in multiples of $10,000 not to exceed 50% of the amount the employee purchases on his/her own life.
Child(ren) Only	$5,000 or $10,000 on each child.

* These coverages are 100% employee paid.

Contributory A D & D Insurance: An employee may purchase additional Group Accidental Death & Dismemberment Insurance for him/herself and any dependents.

Employee	Self	Any amount between $25,000 & $250,000 in increments of $25,000.
Dependent	Spouse	50% of the employee amount
	Child(ren) Only	10% of the employee amount
	Spouse & Child(ren)	40% of the employee amount on the spouse & 5% of the employee

* These coverages are 100% employee paid.

Contributory Flexible Spending Accounts: You may choose to redirect a portion of your salary on a pretax basis into either one or both of the following spending accounts:

Medical Reimbursement Account: The money placed into this account may be used to cover allowable unreimbursed medical expenses (including dental & vision expenses). The amount redirected into this account is limited to $3000 per year maximum.

Dependent Care Reimbursement Account: The money placed into this account may be used to cover the cost of childcare expenses for dependents. The amount redirected into this account is limited to $2500 per year maximum.

Paid Time Off (PTO): All full-time employees are provided PTO to use for vacation time or sick days that may be accessed following the completion of the 90 day evaluation period. It may also be sold back to the company for additional wages on a paycheck. PTO is accrued based on the employee's length of service and shift assignment, according to the following schedule.

PTO Per Year (In Hours)

Years Of Service

0-3 Years

4-5 Years

6-10 Years

11-15 Years

16-20 Years

> 20 Years

Shift Assigned

Office
152

192

232

272

312

352

Air
167

211

255

299

343

387

Field
243

307

371

435

499

563

Educational Assistance Program: It is the policy of LifeNet to provide educational assistance in the form of tuition reimbursement to all interested employees once they have completed one year of full-time employment. Eligible employees must submit a degree plan to the HR Department prior to enrolling in classes at an accredited educational institution. Employees who leave the company voluntarily or are terminated within one year from the date of reimbursement must repay LifeNet in full. Reimbursement for eligible educational assistance will normally be based upon the grade received for the course, as follows:

For an "A", 100% of reimbursable costs

For a "B", 75% of reimbursable costs

For a "C", 50% of reimbursable costs

Employee Assistance Program (EAP): LifeNet assists employees with counseling & referral services in an attempt to help solve personal problems, both on & off the job, and in career planning. Employees experiencing personal problems are encouraged to seek assistance from the Human Resource Department. The HR Dept. will also, to the degree that its resources permit, provide counseling & reference information for employees seeking guidance on education & career planning, relocation, outplacement, & retirement planning.

Employees are encouraged to participate in LifeNet's Section 125 Premium Only Plan, which allows an employee to pay most contributory insurance costs with pre-tax dollars. AFLAC Insurance Company is currently administering this plan.

PTO Per Year (In Hours)
Years Of Service	0-3 Years	4-5 Years	6-10 Years	11-15 Years	16-20 Years	> 20 Years
Shift Assigned
Office	152	192	232	272	312	352
Air	167	211	255	299	343	387
Field	243	307	371	435	499	563