Benefits Packages

Regular, full-time employees are eligible to participate on the first day of the month following 90 days of continuous employment. Medical coverage includes prescription coverage and is available for employee only or family. Employee contributions are made through payroll deduction.

Medical Insurance - GPA/Elap/Magellan RX (New For 2016)

Base Plan

  • Deductible of $2,250 in-network / $5,000 out-of-network
  • Coinsurance of 70% in-network / 50% out-of-network
  • Out-of-pocket maximum of $6,450 in-network / $12,900 out-of-network
  • Preventative Care covered at 100% in-network

Buy-Up Plan

  • Deductible of $1,750 in-network / $3,000 out-of-network
  • Coinsurance of 80% in-network / 50% out-of-network
  • Out-of-pocket maximum of $6,450 in-network / $12,900 out-of-network
  • Preventative Care covered at 100% in-network

Dental Insurance - Delta Dental (Voluntary)

  • Annual Deductible - $50 Employee Only / $150 Family
  • No deductible on diagnostic/preventative services - covered 100%
  • Specialty/Major services covered at 50%
  • Orthodontics (children up to the age of 19) $1,000 maximum lifetime coverage 
  • Weekly Dental Premiums - $4.18 Employee Only / $12.78 Family

Vision Insurance - Anthem Vision (Voluntary)

  • No annual deductible
  • $20 in-network eye exam copay
  • $25 in-network copay for lenses
  • Frames covered at $120 allowance, then 15% off remaining balance (every 24 months)
  • Contact Lenses covered at $120 allowance, then 15% off remaining balance.
  • A list of in-network vision providers is available at anthem.com or by calling 1-866-723-0515
  • Weekly Vision Premiums - $1.21 Employee Only / $2.90 Family

Short-Term Disability - Lincoln Financial Group (Voluntary)

  • 50% of base pay, up to maximum weekly benefit of $600
  • Maximum benefit period is 11 weeks, following a 14 day elimination period

Long-Term Disability - Lincoln Financial Group (Voluntary)

  • 60% of base pay, up to maximum monthly benefit of $5,000
  • 90 day elimination period
  • 2 year and benefit plan

Supplemental Life/AD&D - Lincoln Financial Group (Voluntary)

  • Additional life insurance is available in $15,000 units up to a maximum of $60,000
  • Portable or convertible
  • Responsible for paying 100% of the cost of your coverage which will be made through payroll deduction on a post-tax basis. Benefit amounts reduce at age 70

Dependent Term Life Insurance - Lincoln Financial Group (Voluntary)

  • $0.64 per week covers all eligible dependents
  • Spouse - $10,000 flat benefit
  • Child(ren) (birth to 6 months of age) - $500 flat benefit
  • Child(ren) (6 months to age 19, or 24 if a full time student) - $5,000 flat benefit

401(K) Plan - Merrill Lynch

  • Four enrollment dates: Jan. 1, Apr. 1, Jul. 1, Oct. 1
  • Employees may contribute up to 75% of their salary (subject to IRS limits)
  • Self-directed investment options - go to benefits.ml.com for more details!

Flexible Spending Plan (FSA) - Discovery Benefits

  • Premium Conversion
    • Allows you to pay your medical, dental and/or vision expenses on a pre-tax basis
  • Healthcare FSA
    • Allows pre-tax deferral for unreimbursed medical expenses
    • Flex "convenient card"
    • $2,500 maximum annually
  • Dependent Care FSA
    • Allows pre-tax deferral for child or dependent care expenses
    • $5,000 maximum annually

Universal Life Insurance - Lincoln Financial Group (Voluntary)

  • Interest-sensitive whole life earns guaranteed interest
  • Advanced benefit rider available
  • Child term rider available
  • Long term care rider is automatically added to any policy of $10,000 or greater
  • Dependent coverage also available
  • Coverage is individually owned, which means you can take it with you if you leave Osborn

Specified Critical Illness Insurance - Lincoln Financial Group (Voluntary)

  • Pays a lump sum benefit upon diagnosis of one of six critical illnesses
  • Helps offset costs not covered by medical insurance
  • Coverage options are available for spouse and children
  • Premiums are based on age at issue and tobacco status
  • Coverage is individually owned, which means you can take it with you if you leave Osborn

Long Term Care Insurance - UNUM Provident (Voluntary)

  • Helps protect savings from the drain of long-term care treatment costs
  • Dependent coverage also available
  • Additional $5,000 care benefit pool available
  • Coverage is individually owned, which means you can take it with you if you leave Osborn

Voluntary Accident Insurance - Lincoln Financial Group (Voluntary)

  • Accident insurance is available for you, your spouse, and children
  • You will receive a predefined benefit based on the injury or qualifying event you incur
  • Premiums are conveniently paid through payroll deduction
  • Your base coverage is guaranteed renewable for life as long as the premiums are paid on time
  • Coverage is individually owned, which means you can take it with you if you leave Osborn

Group Term Life Insurance - Lincoln Financial Group (Company Paid)

  • Celadon provides all active, full-time employees with a company-paid term life insurance benefit through ING
  • Over-the-Road Drivers - $15,000 flat benefit
  • Benefits Reduce at Age 70

Legal Plan - Open Road Drivers Plan (Voluntary)

  • Access to local attorneys and coverage of legal fees and bond services across the US and Canada
  • Bonding services
  • Personal legal fees
  • Discounts on Rx drugs, tax preparation, car rental, and hotel/motel accommodations
  • Key and credit card protection
  • Premiums can be payroll dedicted