St. Bernards’ benefits program lets you select the benefits that fit your needs. With the program, you have what we call the 3 Cs to help you choose the benefits options that meet the needs of you and your family.

You have choices to help keep you and your family healthy and protect your income if you are unable to work.

Independent savings vehicle made available by St. Bernards Medical Center

At St. Bernards, you choose the coverage that best serves your needs. There are three types of benefits – core benefits, which are provided by St. Bernards; shared-responsibility benefits, which are shared by you and St. Bernards, and lastly, voluntary benefits, which are employee-paid. You choose the options you want and pay, in many cases, with before tax dollars.

The St. Bernards benefits program puts you in charge of decision-making. Each year during enrollment, you choose what you need; you ensure the personalized enrollment form is completed and reflects what you want. Remember that the cost for each type of benefit is set, but you choose what you want to pay for. As your situation changes each year, so can your benefits.

YOU ARE – if you are a full-time, salaried or hourly employee scheduled to work 32 or more hours per week.

YOU ARE – if you are a part-time employee scheduled to work 24 hours per week. You may purchase certain benefits.

St. Bernards offers two medical plans and several coverage categories from which you may choose.

You will have the flexibility to choose between two options – SHARP PHO Premium option or SHARP PHO Standard option. The same services are covered in both options, but the benefit reimbursement and employee contributions vary. The plans generally pay for a large portion of the eligible expenses when you receive medical care or services after you have met the required deductible.

Prescription drug benefits are included with each SHARP PHO option and have a separate deductible and different coinsurance rates for prescriptions.

St. Bernards offers you comprehensive dental coverage as part of the benefits program. Your dental coverage has a 12 month waiting period and coverage will be in the same coverage category; therefore, you may not select dental coverage and decline medical coverage. Medical/dental contributions are deducted from your paycheck on a before-tax basis.

The Spectera Vision Care Plan helps pay for eye exams, eyeglasses (lens and frames) and contact lenses. To help you save money, St. Bernards has arranged for the plan to include groups of vision care network providers who have agreed to charge lower fees to St. Bernards’ Spectera participants. However, you have the flexibility to receive care from any optometrist, ophthalmologist or optician you prefer, but it will be at a lower reimbursement rate of eligible expenses if the provider is not in-network. Your contributions for this voluntary benefit are deducted from your paycheck on a before-tax basis.

When the unexpected occurs, it is important to have the security of benefits that protect what you have worked hard to accomplish. St. Bernards will help protect your family’s income by paying for Employee Life and Accidental Death and Dismemberment (AD&D) Insurance, which will provide a benefit if you die, and/or are dismembered in an accident. This is provided as a core benefit – at no cost to you (full-time employees). St. Bernards gives you Employee Life and AD&D Insurance equal to one times your base pay, up to $100,000.

You have the option to choose Supplemental Life and Accidental Death and Dismemberment (AD&D) Insurance, up to $200,000, if you feel you need additional coverage. This is a voluntary benefit. Your contributions for Supplemental Life and AD&D Insurance are taken on an after-tax basis.

Dependent Life Insurance is a voluntary benefit where you can purchase a level of coverage for your spouse and dependent children. Contributions are taken on an after-tax basis.

St. Bernards understands the importance of financial security and provides Short-term Disability (STD) benefits as a voluntary benefit. STD provides you with a weekly benefit amount not to exceed 60% of your base pay for up to 25 weeks for an approved illness or injury that is not job-related.

If you are a full-time employee, St. Bernards will provide Basic Long-term Disability coverage equal to 40% of your base pay as a core benefit. LTD benefits will begin after an elimination period of 180 consecutive calendar days and continue for up to two years for your own occupation. At the end of two years, the definition of disability becomes any occupation you are reasonably able to do by virtue of education, training or experience. The maximum monthly benefit is $6,000.

You have the option of purchasing Supplemental Long-term Disability (LTD) coverage. This is a voluntary benefit for which you pay the entire contribution at a group rate.

Some day you’re going to retire. Your plan is to spend hours tending your garden, traveling, playing endless rounds of golf, or even starting a new business . . . and you’ll need an income to make those plans come true.

St. Bernards makes available an independent savings vehicle that is solely administered by an outside organization. To make this convenient, you may have your contributions automatically deducted from each paycheck.

St. Bernards understands the importance of planning for the future and recognizes the hard work you do to make St. Bernards a successful and growing organization. Retirement plans can be very valuable, providing a portion of your financial support in your later years. However, they are also the least understood plans. The St. Bernards Retirement Plan is designed to provide a good benefit for a career employee and is a voluntary benefit. Key features of the plan include:

The St. Bernards Retirement Plan is a fairly traditional defined-benefit plan. Generally, traditional defined benefit plans pay those individuals who vest and meet certain service requirements a guaranteed retirement benefit that is based on a pre-determined formula. Defined benefit plans have a master trust fund from which all of the eligible employees’ retirement benefits are paid. The fund’s total assets are managed and invested by the plan trustee. The St. Bernards Retirement Plan master fund grows each year through your contributions and St. Bernards’ contributions. St. Bernards contributes an actuarial amount to the St. Bernards Retirement Plan master fund.

The longer you work for St. Bernards and remain a participant in the plan, the more your benefit grows. When you retire, St. Bernards will calculate the amount of your retirement benefit and discuss your payment options with you.

Taking time off gives us balance. St. Bernards recognizes that the varying needs and individual preferences for time off requires a program that gives you the greatest possible flexibility in determining when to use time away.

Think of the PTO program as a pool of time for each individual. This pool will hold hours of time that will be used for the majority of the days you are away from your job.

You may use these hours for time away such as:

Holidays, bereavement, military leave, jury duty and certain leaves of absence will be handled separately from the PTO program. Your PTO must be used in conjunction with leaves of absences such as FMLA and special leave.

You may use PTO in a minimum of four-hour increments. PTO may not be carried over from year to year, so it is important that you use your PTO well. While your PTO gives you more flexibility, it gives you more responsibility as well. Remember, you will still need to schedule time with your supervisor.