The document provides information about employee benefits offered by Accelerated Rehabilitation Centers, including: 1. Flexible spending, vision, 401(k), medical, dental, disability, and continuing education benefits. 2. Eligibility requirements for benefits and details on dependents that can be covered. 3. An overview of the company's health insurance plans including costs and coverage details for medical, prescription drugs, dental, and vision.

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
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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
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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
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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.
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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
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6. Benefits are provided and managed by Accelerated Health Systems
AHS Health Insurance Program
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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.
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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
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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.”
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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
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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
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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
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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
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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
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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.
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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.
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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.
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18. Benefits are provided and managed by Accelerated Health Systems
Life and Disability Insurance
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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
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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.
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21. Benefits are provided and managed by Accelerated Health Systems
Retirement
21

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.
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23. Benefits are provided and managed by Accelerated Health Systems
Professional Development
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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
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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
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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.
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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.
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28. Benefits are provided and managed by Accelerated Health Systems
Leave Programs
28

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.
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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.
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31. R - Version 2010
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