EMPLOYEE BENEFITS

Flexible Spending      Vision
 401(k)     Continuing Education
     Medical                     Mentors...
Table of Contents                              Page
Message from the CEO                           3
Package Overview     ...
Message from the CEO

At Accelerated Rehabilitation Centers, what matters the most, and what makes the greatest difference...
Package Overview

Accelerated Health Systems, LLC (AHS) offers eligible employees a generous benefits package.
Many of the...
Eligibility

In order to be eligible for the AHS benefit plans, you must work 30 or more hours per week, and work
in job c...
Benefits are provided and managed by Accelerated Health Systems




AHS Health Insurance Program
                         ...
AHS Health Insurance Program

Health insurance, including medical, dental, and vision care, as well as prescription drug c...
Participating Provider Option PPO
                 Accelerated Health Systems LLC PPO Plan

BENEFIT HIGHLIGHTS            ...
BENEFIT HIGHLIGHTS                                                                                                        ...
•       Mental Illness Treatment will no longer have any limitations attached to them.
    •       Inpatient and Outpatien...
BENEFIT HIGHLIGHTS- HIGH DEDUCTIBLE                                                                                       ...
Dental Insurance

AHS dental insurance benefits are available from MetLife. Teeth whitening is not a covered benefit.
Howe...
Vision Care Services            Member Cost                     Out of Network Reimburse-
                                ...
Employee Assistance Program
800-316-2796

AHS offers employees an Employee Assistance Program (EAP) through Mutual of Omah...
Health Savings Accounts

A Health Savings Account (HSA) is a tax-advantaged account that can be used to pay for medical
ex...
A dependent day care spending account allows you to set aside money on a pre-tax basis to pay for
child or adult day care ...
Parking and Transit Commuter Benefit Program

AHS offers our employees the option to enroll in a Transportation Spending A...
Benefits are provided and managed by Accelerated Health Systems




Life and Disability Insurance
                        ...
Life and Disability Insurance

Life Insurance and Accidental Death and Dismemberment Insurance
All eligible AHS employees ...
Short-and Long-Term Disability Insurance

All eligible AHS employees receive short-term disability (STD) and long-term dis...
Benefits are provided and managed by Accelerated Health Systems




                          Retirement
                 ...
Retirement

401(k) Benefits

Opening a 401(k) retirement account through AHS may help you better reach your retirement sav...
Benefits are provided and managed by Accelerated Health Systems




Professional Development
                             ...
Professional Development

Accelerated Rehabilitation Centers’ Mentorship Program

The ARC Mentorship Program was created t...
• Post-Offer Screens
• Spine Specialties
• TMJ
• Vestibular
• Women’s Health
• Wound Care

Observing Specialty Programs
• ...
Services/Internal Offerings
• Best Practices Training (mandatory)
• Industrial Services 101 (mandatory)
• Marketing 101 (m...
Continuing Education
Licensed staff members are eligible to receive $1000 per year toward continuing education courses.
Su...
Benefits are provided and managed by Accelerated Health Systems




Leave Programs
                                       ...
Leave Programs

Annual Leave/Paid Time Off
Full-time employees who work 40 hours per week will accrue 20 days of paid time...
For more information regarding benefits, contact:

                     Lisa Prince, Human Resources
                     ...
R - Version 2010
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Accelerated Benefits

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Take a few moments to view the benefits that Accelerated Rehabilitation Centers has to offer its Physical and Occupational Therapists.

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Accelerated Benefits

  1. 1. EMPLOYEE BENEFITS Flexible Spending Vision 401(k) Continuing Education Medical Mentorship Disability Dental Putting Patients First 877-97-REHAB (877-977-3422) www.acceleratedrehab.com 1
  2. 2. Table of Contents Page Message from the CEO 3 Package Overview 4 Eligibility 5 Health Insurance Medical and Prescription Drug Coverage 7 Dental Services 12 Voluntary Vision Service 12 Employee Assistance Program 14 Aflac 14 Health Savings Account (HSA) 15 Flexible Spending Account (FSA) 15 Parking and Transit Commuter Benefit Program 17 Life and Disability Insurance Life Insurance and Accidental Death 19 and Dismemberment Insurance Voluntary Life Insurance 19 Short-Term Disability Plan 20 Long-term Disability Plan 20 Retirement 22 Professional Development Mentorship Program 24 Orthopedic Manual Certification 26 Continuing Education 26 Professional Licensure 26 Leave Programs Annual Leave 28 Holiday Leave 28 Bereavement Leave 28 Contact Information 28 2
  3. 3. Message from the CEO At Accelerated Rehabilitation Centers, what matters the most, and what makes the greatest difference in how we do business are our patients and our people. Our Patients When it comes to rebuilding lives and restoring hope to patients and families, we strive, through in- novation and continual learning, to provide exceptional care that meets each patient’s unique condi- tion and goals. In fact, Accelerated’s commitment to our patients permeates our entire organization through our Patients First philosophy. This way of practice demonstrates the commitment from our dedicated caregivers to the people they work for—our patients. But we realize that a philosophy alone is not enough. So we are taking action. Every day and with every patient, our staff is treating, com- municating, educating, informing, and listening. We are working hard—with our patients—to improve their health, well-being and most of all, their quality of life. That’s why we’re here. Our People With extensive knowledge and advanced clinical training, our people are critical to Accelerated and our accomplishments. There’s no doubt that so much of our success comes from the many different backgrounds, experiences, ideas, and approaches that our staff brings to our business. Our goal is to become the rehabilitation company of choice. We need our people for that. So we will continue our efforts to engage employees, providing learning and development opportunities that will help them professionally and personally. We also aspire to offer a fulfilling and family-oriented place to work, where employees can pursue their own ambitions even as they push toward the achievement of Ac- celerated’s goals. Accelerated is confident that we have the best and most intelligent people who can meet the challenges before us and accomplish outstanding results for our patients and customers. Accelerated is a special company. We believe in advancing our reputation through our integrity, our exceptional service, and our values. Woven into the very essence of our day-to-day activities are our high standards and our commitment to excellence at every level of the organization. That is guaran- teed and our patients should expect no less. More importantly, we expect it of ourselves. Welcome to Accelerated Rehabilitation Centers! Eric Warner Eric Warner, PT, MS Chief Executive Officer 3
  4. 4. Package Overview Accelerated Health Systems, LLC (AHS) offers eligible employees a generous benefits package. Many of these benefits are provided at no cost to you. However, some plans require you to contribute financially in order to participate. The chart below illustrates the benefits available to you as an AHS eligible employee and to your dependents. Also noted are the contributions for each plan that are the responsibilities of our employees and of AHS. 2010 Benefits Plan Type AHS Employee Employee & AHS Medical Plan X Prescription Drug Plan X Dental Plan X Health Savings Account X Flexible Spending X Account Transit Benefit X 401(k) Retirement X Account AFLAC X Basic Life Insurance & X Accidental Death & Dismemberment Voluntary Life X Short-Term X Disability Plan Long-Term Disability X • Medical and prescription drug plans are administered by BlueCross BlueShield. • Dental benefits are administered by MetLife. • Vision coverage is administered by EyeMed Vision Care. • Health Savings Accounts are managed by ACS/Bank of New York Mellon Corporation. • Flexible Spending Accounts and the Transit Benefit Program (available in certain metropolitan areas) will be provided by PayFlex. • Life insurance, as well as short- and long-term disability benefits are administered by Mutual of Omaha. • Voluntary life insurance. • The 401(k) retirement plan is serviced by Nationwide. 4
  5. 5. Eligibility In order to be eligible for the AHS benefit plans, you must work 30 or more hours per week, and work in job classifications I, II, III and IV. If eligible, you will be enrolled in the AHS benefit program on the first day of the month following your date of hire, unless you are hired on the first of the month, in which case, coverage is effective on that date. The short- and long-term disability plans require a 30- day waiting period. Class V employees hired on or before January 1, 2007, are grandfathered into the medical, disability and life plans. You may also enroll your eligible dependents in the medical plans. Eligible dependents are: • Legal spouse—Your legal spouse is the person recognized as your husband or wife under the laws of the state in which you live.* • Same-sex domestic partners with a signed affidavit.* • Unmarried children under the age of 19 (natural, step, adopted, or foster)** • Unmarried children ages 19 to 25 who are enrolled as full-time students in an accredited college, university, or trade school** • Unmarried children of any age who are mentally or physically incapable of self-support** * If your spouse or domestic partner is eligible for coverage in a plan sponsored by his/her employer, then he/she is not eligible to enroll in the Accelerated plan and will need to enroll in his/her employer’s program. You will need to sign an affidavit indicating that your spouse does not have coverage avail- able through his/her current employer. Please contact Denise Deasy at 815-836-3780 for this form. You will be able to cover all other dependents. ** Dental and vision plans cover unmarried dependents up to age 26. All selections you make are effective January 1, 2010, through December 31, 2010, unless you have a Qualified Family Status Change (see below) or are able to obtain coverage through a spouse’s open enrollment period. In addition, you must indicate on the health insurance en- rollment form, “Other Health Coverage,” if you or your dependents are eligible to participate in a health care benefit plan through your spouse or other insurance. Qualified Family Status Changes • Marriage, legal separation, annulment or divorce • Birth or adoption of a child; or the addition of a dependent • Death of a spouse or dependent • Loss of eligibility of a dependent child • Loss of other health coverage due to a spouse job loss or layoff 5
  6. 6. Benefits are provided and managed by Accelerated Health Systems AHS Health Insurance Program 6
  7. 7. AHS Health Insurance Program Health insurance, including medical, dental, and vision care, as well as prescription drug coverage, help protect you and your dependents from the high cost of health care. AHS offers a competitive benefits package that is available to all eligible employees and their dependents. Monthly Payroll Deductions for 2010 Plan Type Single Single + Spouse Single + Family Child(ren) Plan A-HDHP $82.00 $82.00 $120.40 $295.13 Plan B-PPO $162.00 $320.05 $231.08 $481.35 Dental only $13.78 $26.50 $26.50 $42.40 See vision section for costs associated with the voluntary vision wellness program. Medical and Prescription Drug Coverage Benefits of Using Network Providers If you enroll in the AHS PPO Plan, you have a choice of using doctors and hospitals that are in the BlueCross BlueShield network, or providers that are not part of the network. It’s your choice. When you use in-network providers, you pay less. This is because in-network providers are required by contract to charge negotiated rates for services and supplies. These negotiated rates are often less than the reasonable and customary (R&C) rates, which are rates charged by most physicians in your geographic area for the same or similar services or supplies. When you use out-of-network providers (who have not contracted with the insurance company for reimbursement at a negotiated rate), you pay the higher coinsurance amount plus any amount the out-of-network providers charge (above the R&C rates) for services or supplies. To find a provider, call 1-800-828-3116, or visit www.bcbsil.com/providers and use the “Provider Finder” tool. 7
  8. 8. Participating Provider Option PPO Accelerated Health Systems LLC PPO Plan BENEFIT HIGHLIGHTS PPO Network This provides only highlights of the benefit plans(s). After enrollment, members will receive a Certificate that more fully describes the terms of coverage. Program Basics PPO Non-PPO (In-Network) (Out-of-Network) Lifetime Benefit Maximum Per individual $3,000,000 Individual Coverage Deductible Program deductible does not apply to services that have a copayment. EE - $750, EE+1- $1,500 Family Coverage Deductible The family deductible maximum is aggregate. $2,250 Individual Coverage Out-of-Pocket Expense (OPX) Limit (Includes deductible) The amount of money that any individual will have to pay toward covered health care expenses during any one EE - $1,750, EE+1 - $4,500, calendar year. The following items will not be applied to the out-of-pocket expense limit: Includes the deductible • Copayments • Reductions in benefits due to non-compliance with utilization management program requirements • Charges that exceed the eligible charge or the Schedule of Maximum Allowances (SMA) • Services that are asterisked below (*) Family Coverage Out-of-Pocket Expense (OPX) Limit Family OPX limit is an Aggregate limit. $6,750, includes the deductible Physician Services Physician Office Visits **$20 copay for primary care, general internists, OB/GYNS, and Pediatricians. All other specialists are at the $40 **$20 copay for PCP 60% after copay. In office visit will include all labs, x-rays, tests, etc with the exception of surgery. Includes mental health $40 copay for deductible and chemical dependency services. specialist, then paid at 100% Wellness Care (age 2 and over) Coverage for annual physical exam including routine diagnostic test received or ordered on the same day as the 100% of first $300 per 100% of first $300 physical exam. calendar year, then per calendar year, • Limited to one physical exam plus one gynecological exam per calendar year. 80% after deductible then 60% after • Limited to one mammogram per calendar year deductible Well Baby Care (to age 2) Coverage for physical exams, immunizations and routine diagnostic tests. 100% as outlined per 100% as outlined Age 0-1 limited to $700 annually calendar year, then per calendar year, Age 1-2 limited to $500 annually 80% after deductible then 60% after deductible Maternity Services Copayment applies to Maternity Office visits. All other maternity physician covered services are paid the same as 80% after deductible 60% after Medical / Surgical Services. deductible Medical / Surgical Services Coverage for surgical procedures, inpatient visits, therapies, allergy injections or treatments, and certain 80% after deductible 60% after diagnostic procedures as well as other physician services. deductible Hospital Services Inpatient Hospital Services Coverage includes services received in a hospital, skilled nursing facility, coordinated home care and hospice. 80% after deductible 60% after Room allowances based on the hospital’s most common semi-private room rates. Inpatient services require deductible, $250 Pre-Authorization. Skilled Nursing Facility limited to 90 days per calendar year. Home Health Care limited to 100 visits per calendar year. Includes mental health and chemical dependency services. per admission Outpatient Hospital Services Coverage for services includes, but is not limited to outpatient or ambulatory surgical procedures, x-ray, lab tests, 80% after deductible 60% after chemotherapy, radiation therapy, renal dialysis, and mammograms performed in a hospital or ambulatory surgical deductible center. Includes mental health and chemical dependency services. Outpatient Emergency Care (Accident or Illness) The copayment applies to both in- and out-of-network emergency room visits. The copayment is waived if the 80% after 60% after Page 4 of 26 8
  9. 9. BENEFIT HIGHLIGHTS PPO Network member is admitted to the hospital. deductible deductible Additional Services Therapy Services – Speech and Hearing* Coverage for services provided by a physician or therapist. 80% after 60% after deductible • Speech is limited to $5,000 annual maximum limit deductible Therapy Services – Occupational and Physical* Coverage for services provided by a physician or therapist. 80% after 60% after deductible • 30 visits per therapy per calendar year deductible Temporomandibular Joint (TMJ) Dysfunction and Related Disorders* • $1,000 lifetime maximum 80% after 60% after deductible deductible Other Covered Services See paragraph below regarding Schedule of Maximum Allowances (SMA). 80% after deductible • Private duty nursing* - $3,000 maximum per month • Ambulance services • Medical supplies • Orthotic appliances • Artificial limbs and other prosthetic devices • Prosthetic appliances • Blood and blood components • Cover wigs when hair loss is resulting from cancer with a max of 1 wig per year at $300 per year * Does not apply to any out-of-pocket limits Prescription Drugs In Network Out of Network Generic $8 copay Brand $30 copay Non-Formulary $50 copay Number of Days Supply 34 days Mail Order $16 generic/$60 brand/$100 Not Covered Non-Formulary Number of Days Supply 3 months N/A 3 month supply at retail $24 generic/ $90 brand / Not Covered $150 Non-formulary Discounts on Eye Exams, Prescription Lenses and Eyewear Members present their ID cards for discounts on eye exams, prescription lenses and eyewear at participating vision centers. Call (866) 273-0813 to locate a provider. To Locate a Participating Provider: Visit our Web site at www.bcbsil.com/providers and use our Provider Finder® tool. AHS High Deductible Health Plan with Health Savings Account AHS also offers a High Deductible Health Plan (HDHP), which is a health plan with lower premiums and a higher deductible for major care, like hospitalization or surgery. At the same time you enroll in an HDHP, you will also have the opportunity to enroll in a Health Savings Account (HSA). The HSA allows you to contribute money from your payroll into this account, and the money is not taxed. For more information on the maximum payroll contributions, see the HSA section under “Special Employ- ee Programs and Accounts.” Page 5 of 26 9
  10. 10. • Mental Illness Treatment will no longer have any limitations attached to them. • Inpatient and Outpatient will be covered as any other illness Participating Provider Option PPO Accelerated Health Systems LLC HSA Plan BENEFIT HIGHLIGHTS- HIGH DEDUCTIBLE PPO Network This provides only highlights of the benefit plans(s). After enrollment, members will receive a Certificate that more fully describes the terms of coverage. Program Basics PPO Non-PPO (In-Network) (Out-of-Network) Lifetime Benefit Maximum Per individual $3,000,000 Individual Coverage Deductible Benefits begin after the individual program deductible has been met. EE -$1,200, EE+1 -$2,400 Family Coverage Deductible* Benefits begin after the family program deductible has been met. $3,300 Individual Coverage Out-of-Pocket Expense (OPX) Limit The maximum amount of money that any individual will have to pay toward covered health care expenses during any EE - $2,000, EE+1 - $4,000 one calendar year, including the program deductible. The following items will not be applied to the out-of-pocket expense limit: • Reductions in benefits due to non-compliance with utilization management program requirements • Charges that exceed the eligible charge or the Schedule of Maximum Allowances (SMA) Family Coverage Out-of-Pocket Expense (OPX) Limit Please refer to Certificate for details on how the family OPX limit works. $6,000 Outpatient Prescription Drugs Generic / Brand / Non – Formulary 80% /60% /40% , after deductible Retail Number of Days supply – 34 days Mail Order Generic / Brand / Non-Formulary 80% / 60% / 40%, after deductible Mail Order Number of Days supply – 3 months Physician Services Physician Office Visits 80% after deductible 60% after deductible Well Adult Care (age 2 and over) Coverage for annual physical exam including routine diagnostic tests received or ordered on the same day as the 100% of first $300 per 100% of first $300 per physical exam. calendar year, then calendar year, then • Limited to one physical exam plus one gynecological exam per calendar year. 80% after deductible 60% after deductible • Limited to one mammogram exam per calendar year. Well Child Care (to age 2) Coverage for physical exams, immunizations and routine diagnostic tests. 100% as outlined per 100% as outlined per Age 0-1 limited to $700 maximum per calendar year calendar year, then calendar year, then Age 1-2 limited to $500 maximum per calendar year 80% after deductible 60% after deductible Maternity Services All maternity physician covered services are paid the same as Medical/Surgical Services 80% after deductible 60% after deductible Medical / Surgical Services Page 6 of 26 10
  11. 11. BENEFIT HIGHLIGHTS- HIGH DEDUCTIBLE PPO Network Coverage for surgical procedures, inpatient visits, therapies, allergy injections or treatments, and certain diagnostic 80% after deductible 60% after deductible procedures as well as other physician services. Hospital Services Hospital Admission Deductible Per admission, per individual $0 $250 Inpatient Hospital Services Coverage includes pre-admission testing and services received in a hospital, skilled nursing facility, coordinated home 80% after deductible 60% after deductible care and hospice. Room allowances based on the hospital’s most common semi-private room rates. Inpatient services require Pre-Authorization. Skilled Nursing Facility limited to 90 days per calendar year. Home Health Care limited to 100 visits per calendar year. Includes mental health and chemical dependency services. Outpatient Hospital Services Coverage for services includes, but is not limited to outpatient or ambulatory surgical procedures, diagnostic x-rays, lab 80% after deductible 60% after deductible tests, chemotherapy, radiation therapy, renal dialysis, and mammograms performed in a hospital or ambulatory surgical center. For routine services such as mammograms, lab tests and x-rays performed in an outpatient hospital setting, see Well Care benefits. Includes mental health and chemical dependency services. Outpatient Emergency Care (Accident or Illness)* Each calendar year, the program deductible must be met before benefits will begin under this policy. The coinsurance 80% after deductible applies to both in- and out-of-network emergency room visits. Additional Services Therapy Services – Speech, Occupational and Physical Coverage for services provided by a physician or therapist. 80% after deductible 60% after deductible • 30 visits for Occupational and Physical therapy services per calendar year • Speech is limited to $5,000 annual maximum limit Temporomandibular Joint (TMJ) Dysfunction and Related Disorders • $1,000 lifetime maximum 80% after deductible 60% after deductible Other Covered Services • Private duty nursing - $1,000 maximum per month • Ambulance services 80% after deductible • Artificial limbs and other prosthetic devices • Prosthetic appliances • Blood and blood components • Medical supplies • Orthotic appliances • Cover wigs when hair loss is resulting from cancer with a max of 1 wig per year at $300 per year See paragraph below regarding Schedule of Maximum Allowances (SMA). Durable Medical Equipment (DME) is a covered benefit. Please refer to Certificate for details. Discounts on Eye Exams, Prescription Lenses and Eyewear Members present their ID cards for discounts on eye exams, prescription lenses and eyewear at participating vision centers. Call (866) 273-0813 to locate a provider. Blue Care Connection (BCC) When members receive covered inpatient hospital services, coordinated home care, skilled nursing facility or private duty nursing from a participating provider in the state of Illinois, the member will be responsible for contacting the BCC pre-notification line. When using non-participating Illinois providers and out-of-state providers, members are required to contact the BCC pre-notification line 1 business day prior to any elective inpatient admission or within 2 business days after an emergency or maternity admission. Failure to pre-notify with the BCC when required will result in benefits being reduced by $1,000. *More on Individual Coverage and Family Coverage Deductibles… • If a member has individual coverage, each calendar year he/she must satisfy an individual coverage deductible before receiving benefits under this policy. The amount of the individual deductible is indicated above on this benefit highlight sheet. Once a member’s claims for covered services in a calendar year exceed this deductible amount, benefits will begin. • If a member and his/her dependents have family coverage, each calendar year they must satisfy the family coverage deductible before receiving benefits under this policy. The amount of the family deductible is indicated above on this benefit highlight sheet. Once the family deductible has been satisfied it will not be necessary for anyone else in the family to meet a deductible in that calendar year. That is, for the remainder of the calendar year, no other family member will be required to meet the deductible before receiving benefits. No one is eligible for benefits under family coverage until the entire family deductible has been satisfied. • Please note: The deductible amount may be adjusted based on the cost-of-living adjustments determined under the Internal Revenue Code and rounded to he nearest $50. • Also note: Should the Federal Government adjust the deductible for high deductible plans as defined by the Internal Revenue Service, the deductible amount in the Certificate will be adjusted accordingly. Schedule of Maximum Allowances (SMA) The Schedule of Maximum Allowances (SMA) is not the same as a Usual and Customary fee (U&C). Blue Cross and Blue Shield of Illinois’ SMA is the maximum allowable charge for professional services, including but not limited to those listed under Medical/Surgical and Other Covered Services above. The SMA is the amount that professional PPO providers have agreed to accept as payment in full. Providers who do not participate in the PPO network are not obligated to accept the SMA as payment in full and may bill for the balance of their actual charge above and beyond the SMA. When members use PPO providers, they avoid any balance billing other than applicable deductible, coinsurance and/or copayment. To Locate a Participating Provider: Visit our Web site at www.bcbsil.com/providers and use our Provider Finder® tool. In addition, benefits for covered individuals who live outside Illinois will meet all extraterritorial requirements of those states, if any, according to the group’s funding arrangements. Page 7 of 26 11
  12. 12. Dental Insurance AHS dental insurance benefits are available from MetLife. Teeth whitening is not a covered benefit. However, if you visit a dentist who participates in the MetLife Preferred Dentist Program (PDP), you will be able to take advantage of negotiated discounts. You can find participating providers at www. metlife.com/dental. Benefit Summary Coverage Type PDP In-network Out-of-network Type A- Cleaning, oral examina- 100% of PDP fee* 100% of R&C fee** tions, x-rays, space maintain- ers, fluoride treatments, and sealants Type B- fillings, oral surgery, 80% of PDP fee 80% of R&C fee surgical extractions, periodon- tics and endodontics Type C- bridges and dentures, 50% of PDP fee 50% of R&C fee and implants Type D- adult & child 50% of PDP fee 50% of R&C fee orthodontia Deductible In-network Out-of-network Individual $50.00 $50.00 Family $150.00 $150.00 Annual Maximum Benefit In-network Out-of-network Per person $1,500 $1,500 Orthodontia lifetime benefit $1,000 $1,000 * PDP fee refers to the fees that participating PDP dentists have agreed to accept as payment in full, subject to any co-payments, deductibles, cost sharing and benefit maximums. ** The R&C (reasonable and customary) fee refers to the lowest of: the dentist’s usual charge for the same or similar services; the dentist’s actual charge for the service; and, the usual charge of most other dentists in the same geographic area for the same or similar services as determined by MetLife. Voluntary Vision Services AHS has selected EyeMed Vision Care for your vision wellness program. This plan allows you to re- ceive annual eye exams, while also saving money on your eye care purchases. There are thousands of participating provider locations available through the EyeMed “Select” network. To see a list of participating providers near you, call 866-268-4063, or visit www.eyemedvisioncare.com and choose “Select” from the “Locate a Provider” dropdown box. Benefit details specific to the “Select” EyeMed plan are available in the table below. Enroll today to take advantage of an affordable way to help en- sure a lifetime of healthy vision. For more information about the vision plan, call 866-723-0514, or visit www.eyemedvisioncare.com 12
  13. 13. Vision Care Services Member Cost Out of Network Reimburse- ment Exam with Dilation as Neces- $10 co-pay Up to $35 sary Exam Options: Standard Con- Up to $40 N/A tact Lens Fit and Follow up Premium Contact Lens Fit and 10% off retail price N/A Follow up Frames $120 allowance, Up to $48 80% of balance over $120 Standard Plastic Lenses: Single $25 co-pay Up to $25 Vision Bifocal $25 co-pay Up to $40 Standard Progressive $25, 80% of charge less $55 Up to $40 allowance Premium Progressive $25, 80% of charge less $55 Up to $40 allowance Lens Options (paid by the member and added to the base price of the lens) Tint 20% off retail N/A UV Treatment 20% off retail N/A Standard Plastic Scratch Coat- 20% off retail N/A ing Standard Polycarbonate 20% off retail N/A Standard Anti-reflective Coating 20% off retail N/A Other Add-Ons and Services 20% off retail N/A Contact Lenses (allowance covers materials only) Conventional $135 allowance, 15% off bal- Up to $95 ance over $135 Disposables $135 allowance, balance over Up to $95 $135 Medically Necessary $0 co-pay, paid in full Up to $200 LASIK and PRK Vision Correc- 15% off retail price OR 5% off N/A tion Procedures promotional pricing Frequency Exam Once every 12 month Frams Once every 24 months Standard Plastic Lenses or Once every 12 months Contact Lenses Payroll Deductions Single $5.66 per month Single + 1 $11.59 per month Family $16.97 per month 13
  14. 14. Employee Assistance Program 800-316-2796 AHS offers employees an Employee Assistance Program (EAP) through Mutual of Omaha. When it’s difficult to cope with family, work-related, personal or substance-abuse problems—at work or at home—we often turn to family or friends for support. Unfortunately, there are times when that support may not be enough. Sometimes you need the ear of an experienced professional, someone who will keep your concerns confidential and help guide you in the right direction. The AHS EAP makes available trained professionals to work with you as you search for solutions to personal and workplace issues. The program is voluntary and confidential; only your EAP professional will know you have called. This program is paid for by AHS, and includes assistance for not only for you, but for your immedi- ate dependent family members as well. When you need a trusted advisor to help you sort through personal issues that may affect your work, health, and general well being, the EAP through Mutual of Omaha is available. You may call 800-316-2796 for assistance with the following: Stress Relationships Resiliency Drug/alcohol abuse Depression Mental health Gambling and other addictive behavior Grief Parenting Balancing work and home Financial issues Life changes Services include: • Toll-free phone access to EAP professionals, 24-hours a day, 7 days a week • Telephone assistance and referral services for immediate and dependent family members • Face-to-face sessions with a counselor • Professional assessments • Action plan development AFLAC Aflac is not major medical insurance. Instead, Aflac pays you cash benefits when you are sick or hurt to use however you want. If you have ever been out of work because of an illness or accident, you understand the importance of this “insurance for daily living.” The individual Aflac policies offered to AHS employees includes: • Cancer • Sickness • Accident • Hospital Intensive Care 14
  15. 15. Health Savings Accounts A Health Savings Account (HSA) is a tax-advantaged account that can be used to pay for medical expenses. Amounts contributed via a pre-tax payroll deduction to your HSA and any investment earn- ings are not subject to federal income, social security, or Medicare taxes. An HSA allows you to accu- mulate significant funds for future medical expenses. The HSA funds may be spent at any time with- out a tax penalty, as long as they are used to cover health care costs for you or your family. Funds that are used for purposes other than health care will be subject to income tax and a 10% penalty. BlueCross BlueShield administers the AHS group health benefits, while ACS/Bank of New York Mel- lon Corporation is the HSA custodian that will hold, invest, and distribute your HSA dollars. Health Savings Accounts are unique: • The dollar amount in your HSA is your money to save from year to year, or use as you see fit. • Your HSA is completely portable. You retain ownership regardless of employment or the state of residence for future medical coverage. • The funds accumulate tax-free as long as they are used to cover medical expenses. • The funds may be used for any eligible medical expense, including Medicare premiums and COBRA continuation coverage. • There is no annual “use it or lose it” rule (unlike flexible spending accounts). HSA Eligibility You may set up an HSA if you participate in a High Deductible Health Plan (HDHP) as described in the AHS Medical Plan Summaries and are NOT covered under another health plan that is not an HDHP. For example, you may not be covered by your spouse’s health plan and remain eligible to set up an HSA. The AHS Plan A qualifies as an HDHP. For more information on the Plan A-HDHP, see the Health Insurance section of this booklet. In addition, you cannot be enrolled in Medicare, or be claimed as a dependent on someone else’s 2010 tax return. For more information or frequently asked questions visit, www.hsamember.com Flexible Spending Account A Flexible Spending Account (FSA) provides a tax-advantaged way to pay for eligible out-of-pocket health care expenses and work-related dependent day care expenses. An FSA allows you to pay for eligible expenses with “pre-tax” dollars, thereby lowering your taxable income. The AHS Flexible Spending Account, with our new vendor PayFlex, offers a health care spending account and a depen- dent day care account. The healthcare spending account allows you to set aside money on a pre-tax basis to pay for qualify- ing out-of-pocket health care, dental, vision or hearing expenses. Out-of-pocket expenses are those that are not covered by your existing insurance plans. These expenses include deductibles, coinsur- ance and co-pays and certain over-the-counter expenses. 15
  16. 16. A dependent day care spending account allows you to set aside money on a pre-tax basis to pay for child or adult day care expenses so that you and, if married, your spouse can work. These expenses include day care, before-and-after school programs, nursery school or preschool, summer day camp and even adult day care. For more information on FSA qualifying expenses, refer to IRS Code Section 213 or Publication 502 and 503 for a listing of eligible and non-eligible expenses. Visit www.irs.gov and search for publica- tions 502 and 503. Health Care Spending Account The health care spending account allows you to pay for health care expenses not covered by any medical, dental, vision or prescription plan, with pre-tax dollars. You may also use this account to pay for your family members’ non-reimbursed health care expenses, even if they are not covered by the AHS medical and dental plan. The maximum contribution is $5,000 per plan year. Examples of eligible expenses: • Office visit co-pays/co-insurances in the PPO plan • Deductibles (if you are not participating in the HDHP) • Orthodontia and other non-covered dental expenses • Eye exams, glasses, contacts • Over-the-counter medications • Prescription drug co-pays (if in PPO Plan, or after the deductible has been met in HSA plan) Dependent Day Care Spending Account The dependent day care spending account allows you to pay for child or adult day care services with pre-tax dollars, as allowed by the IRS. Your savings will be 22% to 35% of your actual dependent care expense, depending on your individual or family tax brackets. Maximum contribution is $5,000 per plan year, or $2,500 if married and filing separate tax returns. Eligibility begins on date of hire or January 1. Services for the care of dependents under age 13 or totally disabled dependents, qualify for reimbursement based on the following: • You are single. • You and your spouse both work and file a joint return. • Your spouse is a full-time student or totally disabled. • The dependent day care cost is incurred in the plan year in which you were employed. • Someone who is not your dependent, for tax purposes, provides the services. • If services are provided outside your home, the facility is a qualified day care that cares for six or more children, and meets all local and state regulations. 16
  17. 17. Parking and Transit Commuter Benefit Program AHS offers our employees the option to enroll in a Transportation Spending Account (TSA). This will allow you to put aside money on a pre-tax basis to pay for work-related commuting and parking expenses. You will select an annual contribution which will be deducted from your paycheck on a pre-tax basis in equal amounts. Your TSA funds will be available to cover eligible work-related transit and parking expenses. For 2010, the maximum election for parking is $230 per month, and $230 per month for transportation expenses. You may submit claims for reimbursement for qualified parking and transit expenses incurred dur- ing the calendar year, up to the monthly limits allowed by the IRS. Eligible transit benefits include bus fares, trains, subways, ferries, streetcars and vanpools. Eligible parking costs include the cost of parking at or near your workplace and the cost of parking near a place from which you commute to work via mass transit. Ineligible expenses include bicycles, carpools, telecommuting, walking, taxis, tolls, fuel/gas and EZ-Pass. Funds from your TSA should not be used for family members. For a list of all parking and transit services, visit www.mypayflex.com. For more information, contact Customer Service at 800-248-4885 and select the Parking and Transit option, or visit www.mypayflex.com. 17
  18. 18. Benefits are provided and managed by Accelerated Health Systems Life and Disability Insurance 18
  19. 19. Life and Disability Insurance Life Insurance and Accidental Death and Dismemberment Insurance All eligible AHS employees receive life insurance and accidental death and dismemberment (AD&D) insurance at no cost to you. In the event of a qualified accidental death, your beneficiary receives an accidental death benefit equal to $20,000. See your insurance certificate for more details. In the event that you suffer a qualified loss and/or dismemberment as the result of an accident, you may receive a partial benefit payment based on the loss or dismemberment suffered. Voluntary Life Insurance Plan The unexpected death of a family member can be devastating. Too frequently, the hardships are com- pounded by financial losses that could have been avoided with adequate life insurance. Supplemen- tal life insurance is available to eligible AHS employees. You may enroll in Voluntary Term Life (VTL) coverage without answering health questions. Benefits are also available for your dependent spouse and/or child(ren), if you elect coverage. If you or your dependent spouse elects coverage above the Guarantee Issue Amount (see table), evidence of good health (answering health questions) will be required and a physical exam may be necessary. Evaluating Your Personal Situation Depending on their stages in life, people need different amounts of life insurance. Employee Spouse Child(ren) Guarantee Issue $150,000 50% of employee’s $10,000 Amount benefit amount up to $50,000* Maximum Benefit $500,000 50% of employee’s $10,000 Amount benefit amount up to $100,000 Benefits & Features • Living Care Benefit payable if you are terminally ill and not expected to live 12 months • Waiver of premium in the event of a total disability • Portability and conversion should you leave employment • AD&D benefits 19
  20. 20. Short-and Long-Term Disability Insurance All eligible AHS employees receive short-term disability (STD) and long-term disability (LTD) coverage at no cost to you. AHS automatically enrolls eligible employees into the plan. If you become temporarily disabled due to a non-work related illness or injury, or if you are on mater- nity leave, the STD plan pays up to 60% of your pre-disability earnings after you have exhausted all accrued paid time off, not to exceed a weekly amount of $1,000 (up to 12 weeks). The LTD plan provides income protection in the event of a disabling condition that keeps you from performing the normal duties of your job for an extended period of time. The plan pays 60% of your pre-disability earnings, not to exceed a monthly amount of $3,500. See the summary plan description for qualified disability and complete details. 20
  21. 21. Benefits are provided and managed by Accelerated Health Systems Retirement 21
  22. 22. Retirement 401(k) Benefits Opening a 401(k) retirement account through AHS may help you better reach your retirement savings goals. Your contributions are deducted right from your paycheck and go directly into your 401(k) ac- count before taxes, so you may barely miss the money. AHS may also make a discretionary contribu- tion based on your eligible annual compensation following the completion of your first year of employ- ment. For example, if you are hired on July 5, 2007, you will be eligible to receive the discretionary contribution based on wages earned from August 1, 2007, through December 31, 2008. You may contribute as much as 75% of your pre-tax income. The IRS imposes limits on 401(k) plans to ensure that the plan operates fairly for all participants. One of these limits is on the amount of pre- tax income you can contribute each year. For 2010, the contribution limit is $16,500. Participants who are age 50 or older may make additional “catch-up contributions” (described below). All employees are eligible to participate in the AHS 401(k) plan on your date of hire or at the begin- ning of any month after that. With your 401(k) plan, you decide how your money is invested inside your 401(k), as there are several investment options. You don’t pay taxes on any of the 401(k) funds until you take them out. It’s a great way to save for your retirement, but since 401(k)s are designed to help you save for retirement, there are stiff penalties for taking your money out early. You’ll owe income taxes on the total amount and, if you’re younger than 59½, you may also owe a 10% early- withdrawal penalty. Plus, the IRS requires your employer to withhold 20% of your account value to pre-pay at least part of the taxes you’ll owe. With the 401(k) plan, you are always 100% vested in your own contributions. You become vested in the discretionary contribution at a rate of 20% per year over a six-year period. Catch-Up Contributions If you are 50 years or older, you may make an additional “catch-up” contribution each pay period, up to $5,500 total in 2010. In order to make catch-up contributions to your 401(k) account, you must make an election each year. On the Abra Workforce website under “Company/401K,” you will find the 401K Election/Change Form. After the last check box, you should indicate that you would like to par- ticipate in the 401(k) catch-up and state the annual amount you would like to contribute. 22
  23. 23. Benefits are provided and managed by Accelerated Health Systems Professional Development 23
  24. 24. Professional Development Accelerated Rehabilitation Centers’ Mentorship Program The ARC Mentorship Program was created to help grow and nurture the personal and professional development of our employees. The guidance and experience of more clinically mature, knowledge- able Accelerated colleagues are invaluable, and will most certainly add to your growth, development, and career success. Our Mentorship Program allows Accelerated to play an active role in your career development and add to your knowledge, motivation, perspectives, skills, and job performance. When we work and grow together, we con¬tribute to the overall success of you and Accelerated. Benefits of the Accelerated Mentorship Program • Access to a network of therapists with specialized experience • Enhance employee performance by addressing personal/professional goals • Affirmation of skills • Increase job satisfaction • Decrease turnover • Growth, development, and excellence maintained in the profession • Opportunity to debate and discuss specific professional issues • Professional and leadership development Mentorship is a dynamic, ongoing process that needs to evolve as the employee grows. During your mentorship, we will modify and establish new goals as you accomplish your objectives. This way, you will continue to be challenged and to grow further. Mentoring Opportunities Upon entering our Mentorship Program, we will begin the process by establishing a mentoring plan for you. There are several mentoring opportunities within Accelerated that are available to you, such as: Accelerated Clinic Specialties • Active Release Techniques • Endurance Sports • Golf Rehabilitation • Graston Technique and ASTYM • Aquatic Therapy • Hand Therapy • Industrial Rehabilitation • Lymphedema • Massage • Orthotics • Performing Arts Medicine 24
  25. 25. • Post-Offer Screens • Spine Specialties • TMJ • Vestibular • Women’s Health • Wound Care Observing Specialty Programs • Hand Therapy • Manually Trained Therapists (visceral or advanced mobs) • ACL Prevention Program/Sports Performance • Industrial (FCEs, ergonomics, work-conditioning,post offer screens) • Runner’s Evaluation • Aquatic Therapy • Women’s Health • Golf Rehabilitation/Performance • Vestibular • Orthotics • Active Release Techniques • Endurance Sports • Graston Technique and ASTYM • Industrial Rehabilitation • Lymphedema • Massage • Orthotics • Performing Arts Medicine • Spine Specialties • TMJ • Wound Care 25
  26. 26. Services/Internal Offerings • Best Practices Training (mandatory) • Industrial Services 101 (mandatory) • Marketing 101 (mandatory) • Injury Screens • Lunch and Learns • Opportunity to become a clinical instructor (CI) • Gary Gray video digest • Shadowing surgeries or physician office hours • Monthly clinic in-services and every other month with other clinics • Internal continuing education courses (e.g., CI credentialing, Maitland, Gary Gray, orthotics) • One-on-one mentoring (co-treating with an experienced therapist) • New graduate track: Start with 1-hour evaluations and a partial case load (9-10 patients), increasing to a full case load (11-13 patients) • Quarterly journal clubs (with colleagues/physicians) • Conducting research within clinic (e.g., studies with local universities/case studies/clinical outcomes) New Graduate Internal Series of Accelerated Courses • Manual Therapy for the Cervical Spine • Strain/Counterstrain Technique • Documentation 101 • Manual Therapy for the Lumbar Spine • Manual Therapy for the Foot and Ankle • Manual Therapy for the SI Joint • Manual Therapy for the Shoulder/Elbow Orthopedic Manual Certification Program Accelerated offers a manual certification program to approximately 20 Accelerated clinicians every two years. Upon completion of the program, clinicians will receive their Certified Manual Physical Therapist (CMPT) certification. This rigorous program includes didactic and laboratory learning, as well as practical and written exams from experienced instructors with national and international rec- ognition. The program, offered through the North American Institute of Orthopaedic Manual Therapy (NAIOMT), is structured to include 8 modules covering the entire body over the course of 1-1/2 years. Accelerated clinicians learn advanced techniques for cervical, thoracic, and lumbar spine, as well as peripheral joints. This specialized training allows them to provide superior and cutting-edge treatment to patients as well as expertise and consultation to other clinicians and health care professionals. This elite and distinct program offered by Accelerated has specific criteria and eligibil- ity requirements that apply. The total cost for tuition to participate in orthopedic manual certification program is 100% reimbursed to our employees. 26
  27. 27. Continuing Education Licensed staff members are eligible to receive $1000 per year toward continuing education courses. Such tuition reimbursement must be pre-authorized by a supervisor (hotel, travel, and other expenses do not qualify). Accelerated offers several in-house seminars per year that are not counted against the $1000 allowance. Continuing education funds are pro-rated when the employee works 16 hours per week on a consistent basis, and do not carry over from year to year. If you begin your employ- ment after January1, then your funds will be pro-rated at $83.33 per month. Employment Class Annual Reimbursemnet Class I $1000 (Physical, Occupational, & Speech Therapists) Class II $500 (Athletic Trainers, Physical Therapist Assistant & Certified Occupational Therapist Assistants) Professional Licensure Fee Accelerated will reimburse fees paid for licenses required to practice in the occupation for which its employees are employed, for the state in which they are employed. This reimbursement applies only to licensed staff. 27
  28. 28. Benefits are provided and managed by Accelerated Health Systems Leave Programs 28
  29. 29. Leave Programs Annual Leave/Paid Time Off Full-time employees who work 40 hours per week will accrue 20 days of paid time off per year. These hours will accrue at approximately 13.33 hours per calendar month. The schedule below illustrates how hours will increase each year. These hours can be used after 90 days of employment. The amount will be prorated based on full-time equivalency, so employees must work 24 or more hours per week to be eligible for accrued time. Class I (Physical, Occupational & Speech Therapists) Years of Employment - Anniversary Eligible Hours 0-23 months 160 Hours or 20 Days 24-35 months 168 Hours or 21 Days 36-47 months 176 Hours or 22 Days 48-59 months 184 Hours or 23 Days 60-71 months 192 Hours or 24 Days 72 months and over 200 Hours or 25 Days Maximum Class II (Athletic Trainers, Physical Therapist Assistant & Certified Occupational Therapist Assistants) Years of Employment - Anniversary Eligible Hours 0-23 months 120 Hours or 15 Days 24-35 months 128 Hours or 16 Days 36-47 months 136 Hours or 17 Days 48-59 months 144 Hours or 17 Days 60-71 months 142 Hours or 19 Days 72 months and over 160 Hours or 20 Days Maximum Holiday Leave AHS generally recognizes 6 paid holidays: • New Year’s Day • Memorial Day • Fourth of July • Labor Day • Thanksgiving Day • Christmas Day Bereavement Leave Bereavement leave is three paid days off in the event of the death of an immediate family member. Members of the immediate family are a spouse, (step)child, (step)parent, sibling, mother-in-law, or father-in-law. You will receive one day of bereavement leave in the event of the death of other family members. Bereavement leave does not accrue or pay out upon termination. 29
  30. 30. For more information regarding benefits, contact: Lisa Prince, Human Resources 866-249-6230 Denise Deasy, Human Resources 815-836-3780 The information in this handbook summarizes benefits available to eligible employees at the time of its publication. 30
  31. 31. R - Version 2010 31

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