EMPLOYEE BENEFITS GUIDE 2017 Benefits Effective January 1, 2017–December 31, 2017

C R A I G H O S P I TA L

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TABLE OF CONTENTS

Introduction to Benefits Overview Page 2

Health Reform Update Page 2

Benefits Eligibility Page 3 Qualifying Change in Family Status Page 3

Enrollment Page 3 What You Need to Do Page 3

Benefits Plans Medical Plans Page 4

Medical Plan Features Page 5 Teladoc Page 6

Dental Plans Page 6 Vision Plan Page 7

Flexible Spending Accounts Page 8

Basic and Supplemental Life and AD&D Insurance Page 9 Long-Term Disability Page 10

Tuition Assistance Page 10 Employee Assistance Program Page 10

Additional Benefits Page 11

Available Resources Back cover

OVERVIEW

The benefits offered by Craig Hospital are designed to provide a comprehensive benefits package for you and your eligible dependents. We encourage you to evaluate and elect benefits that best suit your personal health care needs.

Craig Hospital continues to evaluate and balance the rising cost of health care while providing our employees with a

variety of benefit options. This guide highlights the many options available to you and explains how to enroll for 2017.

Your Craig Hospital benefits for 2017 include:

To make sure you receive the coverages best suited for you and your dependents, read this guide carefully. Once you

have familiarized yourself with the Craig Hospital benefit program, you are ready to make your decisions and enroll for the 2017 plan year!

HEALTH REFORM UPDATE Per the Affordable Care Act, you and your family members are required to have health insurance in 2017 or pay a

penalty to the government. The 2017 penalties have not yet been released. In 2016, the annual penalty is

the greater of $695 per adult without coverage and $347.50 per child without coverage, or 2.5% of your annual household earnings. Beginning in 2017, the penalties may increase by the cost-of-living adjustment. Some people

may qualify for an exemption to this fee. Craig’s plans meet the requirements of the individual mandate, so if you enroll in a Craig medical plan you will not pay a penalty. Your family members must also have coverage and may be

enrolled in a Craig plan providing they meet our dependent definition.

There are other options for fulfilling the individual mandate. The public health insurance marketplace run by the

State of Colorado offers multiple plans. You can view these plans at www.connnectforhealthco.com. However, since Craig’s plans meet the requirements of PPACA, if you are benefit-eligible at Craig but purchase a plan through the

marketplace instead of enrolling in Craig’s plan, you (and your family members) will not receive any financial credits from the government to purchase coverage. In addition, premiums will be paid on a post-tax basis. You may also

fulfill the individual mandate if you have coverage through any of the following: your spouse’s or parents’ plan, a

student health plan, a government plan such as Medicare, Medicaid, TRICARE or CHIP, or a private health insurance plan.

Note: You can only enroll in a marketplace plan if you experience a qualifying event. For example, if you recently lost coverage through a former employer, you have 60 days to enroll in coverage through the marketplace. Visit

www.healthcare.gov for more information.

Medical coverage

Dental coverage

Vision coverage

Flexible spending accounts (FSAs)

Basic life and accidental death and dismemberment

(AD&D) insurance

Supplemental life and AD&D insurance

Long-term disability (LTD) insurance

Tuition assistance

Employee assistance program (EAP)

Additional benefits

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BENEFITS ELIGIBILITY Employees who are regularly scheduled to work at least 48 hours per pay period, and whose status is Full-Time or Part-Time Benefit Eligible, are eligible for benefits on the first day of the month following their date of hire.

Many of the plans offer coverage for eligible dependents, including: Your legal spouse

Your children to age 26, regardless of student, marital, or tax-dependent status (including a stepchild, a foster

child, a legally-adopted child, a child placed with you for adoption, or a child for whom you are the legal guardian) Dependent children of any age who are incapable of supporting themselves due to mental or physical handicaps

CHANGING YOUR BENEFITS DURING THE YEAR Craig Hospital allows you to pay your portion of the medical, dental, and vision plan costs on a pre-tax basis. Thus, due to IRS regulations, once you have made your elections for the 2017 plan year, you cannot change your benefits

until the next annual enrollment period. The only exception is if you experience a qualifying life event. Election changes must be consistent with your life event.

Qualifying life events include, but are not limited to: Marriage or divorce

Birth or adoption of a child

Change in employment status for you or your dependents resulting in the loss/gain of coverage

Change in a dependent’s eligibility status

A significant change in the cost or coverage of your dependent’s benefits

Change in cost of dependent care (for dependent care flexible spending account only)

Death of a dependent

To request a benefits change, notify Human Resources within 30 days of the qualifying life event. Change requests

submitted after 30 days will not be accepted. You may need to provide proof of the life event, such as a marriage

certificate or record of birth.

ENROLLMENT

You must make your benefit elections on your enrollment form and return the form to the Human Resources Department within 30 days of your hire date. If you are a current employee who is newly-eligible for benefits, you

must return your enrollment form within 30 days of your benefit-eligible status change. Your elections will remain in effect until December 31, 2017, and you cannot make any changes to your elections during the year unless you have

a qualifying event.

Once a year, Craig conducts an open enrollment period during which you may change your

benefit elections and the dependents you have enrolled, without the requirement of a family status change. You will be notified when this period begins and of any changes to the plans.

WHAT YOU NEED TO DO Each year you have the opportunity to look at your benefit needs and choose the coverage

categories that are right for you and your family. Here is what you need to do in order to enroll for the 2017 plan year:

Read this benefit guide carefully for details on the benefit programs

Review your options and cost in each area and decide which one is best for you and your family. Choose carefully

as your election will remain in effect for all of 2017 unless you have a qualifying event.

You must complete the enrollment form within 30 days of hire.

ALL ELIGIBLE EMPLOYEES MUST COMPLETE THE ENROLLMENT PROCESS, EVEN IF DECLINING COVERAGE.

If you are declining medical coverage for 2017 you must complete and sign the waiver form (included in this

packet)

If you intend to enroll in the flexible spending accounts, you will need to complete the enrollment for the health

care and/or dependent care flexible spending account for 2017.

You will receive a statement that confirms the choices you have made. Contact Ann Callahan at 303-789-8291 if

there is an error.

Enrollment

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Medical Plans

MEDICAL PLANS Craig Hospital offers two medical plan options that are administered through Allegiance. These options are preferred provider organization (PPO) plans that offer in-network and out-of-network benefits, providing you the flexibility to

choose your provider. You will receive the maximum benefits and pay a smaller amount out of your pocket when you

seek medical treatment from a network provider. Both medical plans use the Cigna Open Access Plus PPO network. Locate a network provider at www.askallegiance.com/craig or www.cigna.com.

The table below is a brief summary of the medical plans. The coinsurance percentages shown reflect what the

employee is responsible for paying.

Reminder: If you are declining medical coverage for 2017 you MUST complete the

waiver form.

Summary of Benefits Premier Plan Value Plan

In-Network Out-of-Network In-Network Out-of-Network

Monthly Premiums Employee Only Employee + Spouse Employee + Child(ren) Employee + Family

$104.00 $272.00 $248.00 $502.00

$46.00 $156.00 $136.00 $322.00

Deductible Individual/Family

$1,000/$2,000

$2,000/$4,000

Out-of-Pocket Maximum Includes deductible Includes deductible

Individual/Family $3,000/$6,000 $5,000/$8,000 $4,000/$8,000 $6,000/$10,000

Lifetime Maximum Unlimited Unlimited

Office Visit Primary Care Physician Specialist Preventive Care

$20 copay $40 copay

Covered at 100%

40% after deductible 40% after deductible

Covered at 100%

$20 copay $40 copay

Covered at 100%

50% after deductible 50% after deductible

Covered at 100%

Lab and X-ray Preventive Inpatient Outpatient High-Tech Services (CT/PET

scans, MRIs)

Covered at 100%

20% after deductible 20% (no deductible) 20% (no deductible)

Covered at 100%

40% after deductible 40% (no deductible) 40% (no deductible)

Covered at 100%

30% after deductible 30% (no deductible) 30% (no deductible)

Covered at 100%

50% after deductible 50% (no deductible) 50% (no deductible)

Hospital Services Inpatient Outpatient

Emergency Room Urgent Care Facility Ambulance Expenses

20% after deductible 20% after deductible

$150 copay $50 copay

20% after deductible

40% after deductible 40% after deductible

$150 copay 40% after deductible 20% after deductible

30% after deductible 30% after deductible

$200 copay $50 copay

30% after deductible

50% after deductible 50% after deductible

$200 copay 50% after deductible 30% after deductible

Mental Health/Substance Abuse

Inpatient Outpatient

20% after deductible $20 copay

40% after deductible $20 copay

30% after deductible $20 copay

50% after deductible $20 copay

Outpatient Physical, Occupational, & Speech Therapy (60 visits per therapy

per year)

20% after deductible 40% after deductible 30% after deductible 50% after deductible

Durable Medical Equipment

20% after deductible 40% after deductible 30% after deductible 50% after deductible

Prescription Drugs Generic Preferred Brand

Non-Preferred Brand

(30-day supply)

$10 copay 30% up to a $50 max

30% up to a $75 max

Not Covered

(30-day supply)

$10 copay 30% up to a $50 max

30% up to a $75 max

Not Covered

Mail Order Generic Preferred Brand Non-Preferred Brand

(90-day supply) $25 copay $75 copay $125 copay

Not Covered

(90-day supply) $25 copay $75 copay $125 copay

Not Covered

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MEDICAL PLAN FEATURES Deductible

The amount the participant pays first before any expenses are paid by the plan. Expenses that are subject to a deductible are: inpatient and outpatient hospitalizations; outpatient therapies (PT,OT, Speech); durable medical

equipment; out-of-network physician office visits, lab and x-ray services; ambulance charges

Deductible Carryover Covered charges incurred in, and applied toward, the deductible in October, November, and December will be applied toward the deductible in the next calendar year in addition to the current year.

Coinsurance The percentage of the expenses the participant pays AFTER the deductible has been met. Participants will receive

greater benefits by using in-network providers.

Co-Payments In certain cases, instead of paying a co-insurance, you must pay a specific dollar amount, known as a co-payment

and is typically payable to the health care provider at the time services or supplies are rendered.

Annual Out-of-Pocket Maximum Your liability for medical expenses is limited to the annual out-of pocket maximum. Once you have reached this limit,

the plan pays 100% of your eligible expenses for the remainder of the calendar year. The out-of-pocket limit includes applicable amounts paid for deductibles, co-payments, and co-insurance.

Preventive Care Preventive services including physicals, immunizations, well-baby, and other age appropriate screenings (i.e.,

mammograms & colonoscopies) are covered at 100%.

Prescription Drug Plan The prescription drug program allows you to use your Allegiance ID card at a nationwide network of pharmacies to

purchase your prescriptions providing you with the best economic benefit and the added convenience of paying a flat

dollar co-payment. The mail order drug benefit allows you to receive up to a 90 day supply for maintenance medications at a significant savings.

The pharmacy will dispense generic medications when available unless otherwise noted by the prescriber, or the

patient. If the patient requests a brand name medication when a generic drug is available, the patient will pay the

brand name co-payment plus the difference in cost between the generic drug and the brand name drug.

Other features of the prescription drug plan include:

Specialty medication fulfillment – all specialty medications must be filled through the US Specialty Care network.

Intercept program - provides patients with a participation bonus that can reduce or eliminate copays through

manufacturer coupons on the highest cost specialty medications.

Personalized medicine program - This program facilitates pharmacogenomics testing to ensure that you are

prescribed the appropriate therapy based on the unique characteristics for your condition A formulary listing of the prescription drugs and their categories is available in Human Resources and on the

WellDyneRx website at www.welldynerx.com.

Pre-Certification Certain services may require pre-certification, including hospitalizations, MRIs, CT scans, and outpatient surgery. Please refer to the plan document for a complete list.

Before obtaining these services call Allegiance for pre-authorization at 1-855-999-1066. This call must be made at

least 48 hours in advance of services being rendered or within 48 hours after an emergency.

Claim Forms

In-network providers will submit the claim for you. If you use an out-of-network provider, you or your provider must

submit claim forms and you may be required to pay for services at the time of the visit. Out-of-network providers may also bill you for charges above the usual and customary allowance.

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Summary of Benefits Plan 80 Plan 50

In-Network Out-of-Network In-Network Out-of-Network

Monthly Premiums Employee Employee + Spouse Employee + Child(ren) Employee + Family

$16.00 $50.00 $53.00 $90.00

$8.00 $23.00 $24.00 $39.00

Annual Deductible (Ind/Family) $50/$150 $0

Preventive Care Covered at 100% Covered at 100% Covered at 100% Covered at 100%

Basic Services (endodontics, restorations and repairs)

20% after deductible 20% after deductible 50% 50%

Major Services (crown, bridges and dentures)

50% after deductible 50% after deductible 50% 50%

Annual Maximum $1,500 $1,200

Orthodontia (dependents up to age 19) 50% 50%

Orthodontia Maximum (Lifetime) $1,500 $1,200

MEDICAL PLAN FEATURES (CONT.) Medical/Rx Insurance ID Cards

Participants will be issued ID cards for the employee and dependents in the employee’s name. Cards should be

presented to medical and pharmacy providers to ensure proper processing of medical and pharmacy claims.

AskAllegiance.com

Participants are encouraged to set up a user ID and password on www.askallegiance.com/craig to access their

claims and benefits information online, as well as other resources provided by Allegiance.

TELADOC All employees enrolled in one of the Craig medical plans have 24/7/365 access to licensed physicians through Teladoc. This program saves you time and money by allowing you to seek information, advice, and treatment without having

to face waiting lines at your doctor’s office or an urgent care center. In many cases you can even request prescriptions or refills without an office visit!

Use Teladoc when:

Your primary physician is unavailable

You need treatment after normal business hours

You are travelling and need medical advice

You need help with non-emergent medical issues

Connect with a licensed physician by calling (800) 835-2362 (800-Teladoc) or by going online at www.teladoc.com.

To get started, all individuals must complete their medical history online or by faxing a paper form prior to requesting

consultation. Medical histories may also be completed by phone.

Members pay a $10 copay for Teladoc services.

DENTAL PLANS Craig Hospital offers two dental plans, administered by Delta Dental of Colorado, to you and your eligible dependents.

You will receive the maximum benefits under the plan and pay less out of your pocket when you seek care from a network provider. The Craig plans contract with Delta’s Premier network of providers. If a non-network provider is

used, expenses are reimbursed based on reasonable and customary (R&C) charges. Any charges over the R&C charge

will be your responsibility. A list of participating providers can be found at www.deltadentalco.com.

Participants will print their own dental ID cards from the Delta Dental website once they are enrolled in a dental plan. Instructions on how to do this are located on the Craig

intranet under Employee Benefits>Benefits>Delta Dental ID Card Instructions. Participants may access their benefits information on Delta’s website as well.

Dental Plans

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Vision Plan

VISION INSURANCE PLAN Craig Hospital offers a vision insurance plan through EyeMed. You have the freedom to choose any vision provider.

However, you will maximize the plan benefits when you choose a network provider. Every enrolled employee will receive

an ID card and Welcome Kit from EyeMed with benefit details and a list of providers in/near their zip code. You can also

locate an EyeMed network provider at www.eyemedvisioncare.com, and select the INSIGHT network when prompted.

The table below summarizes the key features of the vision plan. Additional coverage and discounts available, see EyeMed

flyer for more details. Please refer to the official plan documents for limitations and exclusions.

Summary of Covered Benefits Vision Plan

In-Network Out-of-Network

Monthly Premiums Employee Employee + Spouse Employee + Child(ren) Employee + Family

$6.00 $11.50 $12.00 $17.80

Eye Exam

(every 12 months) $10 copay Up to $40 reimbursement

Standard Plastic Lenses (every 12 months)

Single Bifocal

Trifocal

$25 copay

$25 copay $25 copay

Up to $30 reimbursement

Up to $50 reimbursement Up to $70 reimbursement

Frames

(every 12 months) $130 allowance + 20% off balance Up to $91 reimbursement

Contact Lenses

(every 12 months in lieu of standard plastic lenses) Conventional

Disposable Medically Necessary

$130 allowance + 15% off balance

$130 allowance + balance Plan pays 100%

Up to $130 reimbursement

Up to $130 reimbursement Up to $210 reimbursement

Laser Vision Correction 15% of retail price or 5% off

promotional price Not covered

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FLEXIBLE SPENDING ACCOUNTS Craig Hospital offers two flexible spending account (FSA) options—the health care FSA and the dependent care FSA—which allow you to pay for eligible health care and dependent care expenses with pre-tax dollars. The FSAs are administered by

Rocky Mountain Reserve. Log into your account at www.rockymountainreserve.com to: view your account balance(s),

calculate tax savings, view eligible expenses, download forms, view transaction history, and more.

Health Care FSA (not allowed if you fund an HSA) The health care FSA allows you to set aside money from your paycheck on a pre-tax basis (before income taxes are withheld)

to pay for eligible out-of-pocket expenses, such as deductibles, copays, and other health-related expenses, that are not paid by

the medical, dental, or vision plans. Over-the-counter (OTC) medications are not eligible for reimbursement without a prescription. The health care FSA maximum contribution is $2,550 for the 2017 plan year.

Dependent Care FSA The dependent care FSA allows you to set aside money from your paycheck on a pre-tax basis for day care expenses to

allow you and your spouse to work or attend school full time. Eligible dependents are children under 13 years of age, or a child over 13, spouse, or elderly parent residing in your house who is physically or mentally unable to care for himself or herself.

Examples of eligible expenses are day care facility fees, before- and after-school care, and in-home babysitting fees (income must be reported by your care provider). You may contribute up to $5,000 to the dependent care FSA for the 2017

plan year if you are married and file a joint return or if you file a single or head of household return. If you are married and file separate returns, you can each elect $2,500 for the 2017 plan year.

How Does an FSA Work? You decide how much to contribute to each FSA on a plan year basis up to the maximum allowable amounts. Your annual election will be divided by the number of pay periods and deducted evenly on a pre-tax basis from each paycheck throughout

the year. You will receive a debit card from Rocky Mountain Reserve, which can be used to pay for eligible health care expenses at the point of service. If you do not use your debit card, or if you have dependent care expenses to be reimbursed,

submit a claim form and a bill or itemized receipt from the provider to Rocky Mountain Reserve. Keep all receipts in case Rocky

Mountain Reserve requires you to verify the eligibility of a purchase.

Things to Consider Before Contributing to an FSA: For the health care FSA, at the end of the plan year, you can roll over $500 from your health care FSA to use in future

years. Any amount in excess of $500 will be forfeited. Dependent care FSA dollars are use it or lose it (no roll over allowed).

You cannot take income tax deductions for expenses you pay with your FSA(s).

You cannot stop or change your FSA contribution(s) during the plan year unless you experience a qualifying life event.

FLEXIBLE SPENDING ACCOUNT WORKSHEET The following worksheets are provided to assist you with estimating your annual expenses. Be sure to fund the accounts carefully, as you may only carry over $500 of unused funds from one year to the next.

Eligible Expense Health Care FSA

Medical/dental plan deductible,

copays, coinsurance

You

Your Eligible Dependent(s)

$

$

Eye exam/eyewear/Lasik You

Your Eligible Dependent(s)

$

$

Other (orthodontia, acupuncture, etc.) You

Your Eligible Dependent(s)

$

$

$ Total Projected Expenses

Divide by # of pay periods between the effective date of coverage and

12/31/2017

Amount per pay check $

Eligible Expense Dependent Care FSA Projected Annual Expense

Day care for a child or dependent who is mentally/physically disabled

$__________ (weekly cost)

X

_______________ (number of weeks)

=

Divide by # of pay periods between the effective date of coverage and 12/31/2017

$ Amount per pay check

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BASIC LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE Craig Hospital provides one times your annual base salary up to $1,000,000 of basic life and accidental death and dismemberment (AD&D) insurance to all benefit-eligible employees at no cost to you.

All eligible employees are automatically enrolled in the basic life/AD&D insurance plan. Please be sure to complete the beneficiary designation section of the enrollment form.

SUPPLEMENTAL LIFE AND AD&D INSURANCE You may elect additional life and AD&D insurance on yourself and your eligible dependents as follows:

Employee: Employee supplemental life/AD&D insurance is a term life policy underwritten by Unum. As a new employee, or if you are newly eligible for benefits, you may elect any level of supplemental coverage, up to 4x your

base salary. During each subsequent enrollment period you may increase your coverage one increment each year, up to a maximum of $50,000 per year.

This insurance will continue as long as you maintain your benefit-eligible status and you do not terminate coverage during subsequent enrollment periods. Coverage will terminate if you terminate employment or if your status changes

to a non-benefit-eligible status. This coverage is portable (you can take it with you at the rates charged at the time you become ineligible) and convertible (you can convert it to an individual policy).

You will receive the cost of this coverage from Human Resources during orientation.

Spouse: Spouse life/AD&D is a term life policy underwritten by Unum. As a new employee, or if you are newly eligible for benefits, you may elect $5,000, $10,000, $25,000, or $50,000 of coverage for your spouse. During each

subsequent enrollment period you may increase your spouse’s coverage one increment each year. For example, if you elect $10,000 of coverage now, you may only increase this coverage to $25,000 during the next open enrollment

period.

Child(ren): You may elect coverage on your child(ren) of either $5,000 per child or $10,000 per child. Dependent

children are eligible up to age 19 (21 if a full-time student).

Employee: 1x, 2x, 3x, or 4x your base annual salary up to $1,000,000

Spouse: $5,000, $10,000, $25,000 or $50,000

Child(ren): $5,000 or $10,000

Basic and Supplemental Life and AD&D Insurance

Spouse Life/AD&D Rates

Age $5,000 $10,000 $25,000 $50,000

under 30 $0.42 $0.83 $2.08 $4.15

30–34 $0.43 $0.87 $2.15 $4.30

35–39 $0.48 $0.97 $2.43 $4.85

40–44 $0.69 $1.37 $3.43 $6.85

45–49 $0.94 $1.88 $4.70 $9.40

50–54 $1.49 $2.97 $7.43 $14.85

55–59 $2.23 $4.45 $11.13 $22.25

60–64 $3.44 $6.88 $17.20 $34.41

65–69 $5.07 $10.15 $25.38 $50.75

70+ $9.24 $18.48 $46.20 $92.40

Child Life/AD&D Rates

$5,000 $10,000

$1.24 $2.48

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LONG-TERM DISABILITY All benefit-eligible employees are automatically enrolled in the long-term disability (LTD) plan after six months of benefit-eligible employment (regularly-scheduled for at least 48 hours per pay period). Craig Hospital pays the

premium for this coverage; there is no cost to the employee.

If an employee is unable to work for more than 90 days due to illness or injury, they may be eligible for a long-

term disability benefit

The plan will pay the employee 66 2/3% of their pre-disability earnings, starting on the 91st day of illness/injury

Benefit payments will continue until age 65 or until the employee is no longer disabled

Employees must contact the Occupational Health Nurse if they have a condition that will prohibit them from

working

TUITION ASSISTANCE All benefit-eligible employees are eligible (regularly-scheduled for at least 48 hours per pay period)

Must be employed for a minimum of one year.

Eligible employees enrolled in an accredited Nursing or Respiratory Therapy program, or who are enrolled in

pre-requisites for a Nursing program, are eligible the semester or term following hire date.

Employees must submit a Tuition Assistance Request form prior to the start of the class.

Employees will be reimbursed 100% of eligible tuition, books and fees up to a maximum of $4,000 per calendar

year for Bachelor’s or Master’s degree program courses; up to $5,000 per calendar year for Doctorate program

courses. Employees must receive a minimum grade of a “C” or “Pass.”

Participants are reimbursed at the end of the semester upon receipt of all required documents.

Scholarships and grants received by the student will be deducted from total tuition, books and fees; employee’s

reimbursement will be based on the net costs. Undergraduate students paying Colorado in-state tuition rates must apply for and provide proof of receipt of the

COF stipend.

Employees who terminate employment within 12 months of receiving a tuition reimbursement will be required to

repay that amount to Craig Hospital.

EMPLOYEE ASSISTANCE PROGRAM As your employer, we are interested in your total well being. That is why we offer an employee assistance program

(EAP) through Mines and Associates. This program provides a counseling service that helps you manage problems before they adversely affect your personal life, health, and job performance.

All covered employees and their household members are eligible for the EAP. This is a free, confidential service, that

includes telephonic counseling and/or up to four face-to-face visits with a licensed professional counselor.

Assistance is available for the following personal and work life situations:

You may access your online EAP services by visiting www.minesandassociates.com.

Online EAP Services: Username: craighospital Password: employee Financial/Legal Services: Username: mines Password: associates

Marital and family problems

Work-related difficulties

Emotional problems

Relationship difficulties

Alcohol and substance abuse

Domestic violence

Health and wellness resources

Personal financial management

Legal and financial resources and counseling

Child and eldercare services

Parenting

Older adults counseling

Midlife and retirement counseling

Managing people

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ADDITIONAL BENEFITS Paid Time Off (PTO): PTO is used when you need to take a day off of work for vacation, holiday, or illness

All regularly-scheduled employees accrue PTO (per-diem do not accrue PTO)

PTO accrues each pay period based on the number of hours actually worked that pay period, up to a maximum of

80 hours worked Available PTO may be viewed in your timecard in Kronos

PTO is used for holidays for employees in departments that are closed for holidays

Holidays are: New Years Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day

Employees may carry a maximum of 240 hours of PTO in their PTO bank at any time

Hours above 240 will be lost

PTO may be sold back to Craig at the employee’s base rate (maximum 80 hours per calendar year)

PTO accrual rates are as follows:

Extended Illness Bank (EIB):

EIB is used when an employee is unable to work for more than three consecutively-scheduled shifts due to their

own illness or injury All regularly-scheduled employees accrue EIB (per-diem do not accrue EIB)

EIB is approved through the Occupational Health Nurse

EIB may be viewed in your timecard in Kronos

Employees may carry a maximum of 480 hours of EIB

Accrues at 2.15 hours per 80 hours worked—approximately 7 days per year for full-time employees; Part-time

employees will accrue a pro-rated amount

Hours Per

Pay Period

Hours Accrued Per Pay Period

Hire date to completion of

Year 2

After Year 2 to completion of

Year 10 After 10 Years

80 hours 6.77 hrs 8.31 hrs 9.85 hrs

72 hours 6.09 7.48 8.86

64 hours 5.41 6.65 7.88

56 hours 4.74 5.82 6.89

48 hours 4.06 4.99 5.91

40 hours 3.38 4.16 4.92

32 hours 2.71 3.32 3.94

24 hours 2.03 2.49 2.95

16 hours 1.35 1.66 1.97

Additional Benefits

The descriptions of the benefits in this guide are not guarantees of current or

future employment or benefits.

If there is any conflict between this guide and the official Plan Document, the

official documents will govern.

This guide contains highlights of

the benefits options available to

you through Craig Hospital. They

are not complete descriptions of

the benefits.

Craig Hospital may terminate,

withdraw, or modify any benefit

described in this guide, in whole or

in part, at any time.

Avai lab le Resources Benefit Provider Websites and Toll-Free Numbers—Each of the carrier websites contains valuable information

regarding the benefit plan and an up-to-date list of participating providers. Also listed below is a toll-free number for each carrier in case you have a specific question regarding your benefit coverage.

Plan Policy Number Phone Number Website

Medical Plans—Allegiance/Cigna 2001095 1-855-999-1066 www.askallegiance.com/craig

Teladoc N/A 1-800-835-2362 www.teladoc.com

Pharmacy Benefit Manager—WellDyneRx 2001095 1-888-479-2000 www.mywdrx.com

Dental Plan—Delta Dental Plan 80: 6830

Plan 50: 6831 1-800-610-0201 www.deltadentalco.com

Vision Plan—EyeMed 1007987 1-866-939-3633 www.eyemedvisioncare.com

Flex Spending Accounts—RMR N/A 1-888-722-1223 www.rockymountainreserve.com

Life and AD&D—Unum 219668 1-800-421-0344 www.unum.com

Long-Term Disability—Unum 219668 1-800-421-0344 www.unum.com

Employee Assistance Program—Mines and

Associates N/A 1-800-873-7138 www.minesandassociates.com

Your Human Resources Team—If you have questions regarding benefits, a member of your Human Resources team is

available to assist you. You may reach Human Resources by: Calling 303-789-8291

Sending an e-mail to acallahan@craighospital.org

Images in this document © Craig Hospital