MUSC Physicians Primary Care Benefits Overview - Medical Center ...

MUSC Physicians Primary Care
Benefits Overview
Group Health and Related Benefits
Available to employees who work 30 or more hours weekly; Employee eligibility is first of the
month following the date of hire
‣ Comprehensive group medical, dental and prescription drug plan:
• Employees only pay copays for physician and hospital services when treated or seen at
the MUSC Medical Center or by MUSC Physicians or MUSC Physicians Primary Care
providers
• Prescription drugs are covered after copay. Three tier drug plan –
Generic/Preferred/Non-Preferred
• Dental plan included – Preventive cleanings covered at 100%; calendar year maximum
of $1,200
‣ Company paid long-term disability plan:
• Staff - 66 2/3% salary replacement benefit of pre-disability income
• Senior Management – 60% salary replacement benefit of pre-disability income
‣ Staff Life insurance (one times annual salary – limit $50,000) is provided at no cost to
employees
‣ Senior Management Life Insurance of $250,000 provided for employees whose salary is
over $100,000
‣ Additional life insurance is available for employees, spouses and dependent children.
‣ Short-term disability, vision, and additional life insurance policies are also available
‣ Flexible Spending Accounts:
• Medical Reimbursement Account - $2,500 annual maximum
• Dependent Care Reimbursement - $5,000 annual maximum
Retirement
‣ Defined Contribution Retirement Plan 401(k) – immediate eligibility
‣ Safe Harbor Contribution – 3% employer contribution that is 100% vested
‣ Employer booster for non-physician employees is 8%, 5% for physicians
‣ Fully vested after five years of employment
‣ Employees can contribute up to $17,500 ($23,000 if employee is age 50 over over)
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Time-Off Benefits
‣ Paid Time Off (PTO) - Provides flexibility in scheduling time off for vacation, holidays,
personal business, preventive health and dental care, and short-term sick leave or family
needs.
‣ Extended Sick Leave (ESL) - Can be used during prolonged periods of personal illness or
disability.
‣ PTO must be used for first 24 work hours for each occurrence of illness or disability, except
for hospital admissions or procedures involving anesthesia or sedation.
Accrual Schedule Based off of Working 40 hrs per Week
Completed Years of PTO ESL Total
Continuous Service Days Per Year Days Per Year
0 thru 4 24.5 6.5 31
5 thru 8 26.5 6.5 33
8 + 31.5 6.5 38
Other Leave Pay
‣ Jury Duty
‣ Bereavement
‣ Blood Donation
‣ Military
Family and Medical Leave (FMLA)
‣ Employees may be eligible for FMLA after certain criteria is met, for one or more of the
following reasons:
• Birth, adoption or foster care placement of a child; Care of a spouse, child or parent with
a serious health condition; Employee’s serious health condition
Educational Assistance
‣ Must be employed for 1-year
‣ School / Program must be accredited; Promissory Note & Employment Requirements
Employee Assistance Program
‣ Drug and alcohol abuse
‣ Professional assistance is offered for personal, family, marital, and financial difficulty
‣ Referrals to the program are confidential
MUSC Wellness Center
‣ Annual membership available
‣ Payroll deduction arranged through the Wellness Center
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