WORK/LIFE BENEFITS

• Personal Time Off: Employees earn personal time off (PTO) each pay period. PTO is accrued based on regular hours worked. PTO may be used for vacation, illness, immediate family illness, or other personal reasons.

• Holidays: 10 paid Holidays are observed each year.

• Section 125 Cafeteria Plan: Employees are eligible to participate in the Section 125 Cafeteria plan on the first day of the month following their hire date. The Cafeteria plan allows employees to participate in pre-tax insurance deductions and flexible spending accounts for medical expenses and child/elder care. A debit card is provided to eliminate out-of-pocket expenses.

• Telcoe Credit Union: All full-time employees are eligible to become members of the Credit Union. A $5.00 membership fee and a $5.00 initial deposit are required to open the account. Deductions may be any even dollar amount with a minimum of $1.00 per paycheck.

• Employee Assistance Program: The Employee Assistance Program (EAP) is designed to help employees and their dependents in dealing with personal problems, which may adversely affect work performance. Confidential counseling is provided through an outside agency.

• Tuition Sharing Program: The Company will assist employees with the cost of tuition, books and fees after completion of one year of service and other requirements specific to USAble Life. The Company also offers self-study continuing education programs.

• Auto Insurance: Liberty Mutual offers a discount to USAble Life employees.

• Savings Bonds for Newborns: Employees receive a $100 savings bond for newborns.

• Employee Referral Program: $1,000 award for successful referrals.

EMPLOYEE SERVICES

• Parking deck;
• Convenience of direct deposit of payroll checks;
• Concierge services – check cashing, stamps;
• Quarterly Employee Meetings hosted by the President/CEO and a free lunch is served to all employees;
• Annual Employee Appreciation Outing in recognition and appreciation of employees;
• An active Employee Committee, directly elected by the employees, sponsor events throughout the year;
• Company discounts on products and services;
• Online employee news and classified ads.

Full-time and part-time employees scheduled to work at least 30 hours per week are eligible for benefits.

This is a summary of benefits only. In the event of any conflict between this summary and the plan documents, the terms and conditions of the plan documents control. The plans described herein may change at any time.