Curtis Lumber Co. offers a great benefits package that is available to newly hired employees after the successful completion of 90 days. Voluntary benefits are payroll deducted weekly.
Please contact Lisa Yorks (Benefit and Leave Manager) with any questions at 518-490-1388 or lisa.yorks@curtislumber.com
Voluntary Benefits
Medical Plans
Hybrid Plan (Medical Plan Option 1)
MVP https://www.mvphealthcare.com
Plan Highlights:
- Upfront deductible on all services other than preventative
- Deductible of $500 for single and $1,000 for double and family coverage
- Once the deductible is met, copays will apply
- This plan is not eligible for a Health Savings Account (HSA)
Copays after Deductible (most utilized):
- Primary Care: $20.00
- Specialist: $50.00
- Urgent Care: $35.00
- Emergency Room: $150.00
Weekly Rates:
Single: $61.68/$52.42 (Wellness)
Double: $123.35/$104.85 (Wellness)
Family: $160.36/$136.30 (Wellness)
High Deductible Plan with HSA (Medical Plan Option 2)
MVP https://www.mvphealthcare.com
Plan Highlights:
- Upfront deductible on all services other than preventative
- Deductible of $1,750 for single and $3,500 for double and family
- Once the deductible is met, copays will apply
- This plan is paired with a Health Savings Account (HSA)
Health Savings Account (HSA)
- Tax-advantage member owned accounts that let you save pre-tax dollars for future qualified medical expenses.
- Employees can contribute to their HSA on a weekly basis through payroll (This is highly encouraged).
- Curtis Lumber will contribute 50% of your deductible: single will receive $875, and double & family will receive $1,750. On January 1st: Single will receive $437.50 and $39.77 the first of each month for the remainder of the year; Double & Family will receive $875.00 and $79.55 the first of each month for the remainder of the year. That’s right! Curtis Lumber is giving you money!
- HSA account balances roll over each year allowing you to accumulate savings for medical related expenses. If you leave Curtis Lumber, your HSA goes with you.
- Invest your HSA funds once a certain account balance is met.
- Put the extra money you would pay for the copay plan into your HSA – pay yourself, not the insurance company.
Copays after Deductible (most utilized):
- Primary Care: $10.00
- Specialist: $40.00
- Urgent Care: $35.00
- Emergency Room: $150.00
Weekly Rates:
Single: $55.06/$45.70 (Wellness)
Double: $110.11/$91.39 (Wellness)
Family: $140.42/$116.55 (Wellness)
Understanding Health Savings Accounts (HSA) Video: HSA 101
Medical Plan FAQs
What is a deductible?
- It is money you pay out of your pocket for medical treatment, services and prescriptions prior to MVP paying your claim.
What is my Annual Employee Investment?
Which Plan is the Best Fit for You?
When selecting a medical plan that best fits you and your family, below are some questions to think about:
- Do you or anyone on your plan see a doctor regularly (i.e. primary care, specialist, chiropractor, physical therapist or psychologist)?
- If yes: are the visits monthly, quarterly or annually?
- Do you or anyone on your plan take prescription medication regularly?
- If yes: what is the actual cost of the medication?
If you answered “No” to the above: The High Deductible Plan with HSA could be a great fit for you.
If you answered “Yes” to the above: for example, you take a monthly prescription medicine that is $12.00, and you see a chiropractor annually (estimated $250). The Hybrid Plan could suit you best.
What services are considered Preventative Care?
- Adult Physicals
- Well Childcare & Immunizations
- Mammography
- Annual Pap Test & Ob/Gyn Exam
- Immunizations for Adults
- Colonoscopy & Sigmoidoscopy Screening for Adults
- Bone Density Tests
How much do I pay for Preventative Care?
- Preventative Care is covered in full – No deductibles or copays apply.
How can I reduce the cost of my medical coverage?
- Participate in the Curtis Lumber Wellness Program (see details below)
- Review annual employee investment
- Consider alternative plans – different rates for each available plan
Wellness
If you participate in the Wellness Program you will receive a discount on your weekly medical rates (see Wellness Rates listed above). Each year, you will need proof of:
- Annual Physical
- Two elective activities: such as dental cleaning, eye exam, vaccine, cancer screen, etc.
- If your spouse is on your medical plan they must also complete activities
Other Voluntary Benefits
Dental
Guardian www.guardiananytime.com
Plan Highlights:
- Coverage is available for preventative, basic and major services
- $1,000 in coverage per person per year covered under the plan
- Orthodontia coverage available for dependent children ($1,000 lifetime max per child)
Weekly Rates:
Single: $6.34
Family: $17.13
Ortho: $19.75
Vision
Guardian www.guardiananytime.com
Plan Highlights:
- Two options: Davis (big box retailers) and VSP (private/smaller offices)
- Eye exam available every 12 months
- Lenses for glasses or contacts available every 12 months, frames every 24 months
Weekly Rates:
Davis
Single: $1.42
Family: $3.06
VSP
Single: $1.85
Family: $3.96
Specified Disease
Guardian www.guardiananytime.com
Plan Highlights:
- A cash benefit for a range of covered serious illness including: cancer, stroke, heart attack
- Employee: $10,000; Spouse: $5,000 and Child: $2,500
- This plan would pair well with the HSA and Hybrid medical plans
Rates vary depending on age and coverage type.
Accident
Guardian www.guardiananytime.com
Plan Highlights:
- Cash benefit for covered injuries, treatment and services
- This plan would pair well with the HSA and Hybrid medical plans
Weekly Rates:
Single: $2.85
Double: $4.65
Family: $6.49
ID Watchdog
ID Watchdog www.idwatchdog.com
Plan Highlights:
- Identity theft protection program monitors credit reports, social media, transaction records, public records and more
Weekly Rates:
Single: $2.52
Family: $4.36
Short/Long Term Disability
Guardian www.guardiananytime.com
- Coordinates with state disability to pay 60% of salary if out of work due to illness, injury or medical condition
Rates vary depending on age and coverage amount
Life Insurance
Plan Highlights:
- Available for employee, spouse, and children, offered in $10,000 increments
- Guarantee issue up to $150,000 for employees, $10,000 for spouse, and $10,000 for children.
- A health questionnaire will need to be completed for additional coverage on employee and spouse.
Rate vary depending on age and coverage amount
Other Employee Benefits
Paid Time Off (PTO)
In your first year of service you will receive PTO on your date hired, it is prorated based on the month you start with a maximum of 90 hours. There after you will receive PTO on January 1st of each year and award is based on years of service.
Paid Holidays
Curtis Lumber Co. is closed for six major holidays (News Years Day, Memorial Day, Independence Day, Thanksgiving, Labor Day and Christmas Day). You are eligible to receive holiday pay effective immediately, full time- 8 hours Part time- 4 hours.
Bereavement
Curtis Lumber Co. will pay one to three days of paid leave for arrangements and funeral of immediate family members; the amount of days depends on the relationship to that person. You are eligible to receive this benefit at 30 days of employment.
401k Retirement Savings
Employees will be automatically in enrolled in the 401k plan with a 5% weekly contribution following 90 days. Employees can elect to change the contribution at any time (subject to certain maximums). The contributions will be payroll deducted and invested in an account of their choice or best suited for them.
Employer match is available after one year of employment (50% of employees contribution up to an employees 5%, maximum match is 2.5%)
Cash Profit Sharing
Cash profit sharing contributions are based on the Company’s year- end profit and are discretionary. An employee’s portion of the cash profit sharing is based on an employee’s gross earnings and the company’s profitability. You are eligible the first of the month following one year of service.
Employee Discount
- 10% off retail items
- Non-stock inventory (special orders) will be priced at 10% above cost
Eligible at 90 Days of Employment
Uniforms & Safety Shoes
- Uniforms will be distributed to all yard employees at orientation
- Uniforms will be distributed to all store employees after 90 days of employment
- If PPE is required for your position, it will be distributed at orientation
Safety shoe reimbursement is 50% (up to $87.50) immediately and 100% (up to $175) after 90 days of employment. Store employees are eligible for reimbursement one time per year and operations employees are eligible two times per year.
Employee Assistance Program (EAP)
Guardian https://worklife.uprisehealth.com
Curtis Lumber’s Employee Assistance Program offers services to help promote well-being and enhance the quality of life for you and your family. Assistance is available for mental health, short term counseling, childcare resources, financial planning, and more.
529 Plan
JP Morgan
A tax-advantaged savings plan designed to encourage saving for future education costs for a designated beneficiary.