Benefits Summary

All full-time office employees of Trussway, Ltd. are eligible to participate in Trussway's Benefits beginning on the first day of the month following thirty days of employment. The only Benefit that requires a longer waiting period is participation in the 401k plan.

Pre-Tax Contributions
Participants in the Trussway Medical, Dental, Health Care Reimbursement Account and Dependent Care Reimbursement plans pay their contributions with pretax dollars.

Medical
There are three medical plan options from which to choose. Each plan has different employee contributions, deductibles and co-pays. Each plan option utilizes PPO networks throughout the country.

Dental
Trussway maintains one option for dental insurance. The plan has coverage for preventative, basic and major work. Orthodontics are available for dependents under the age of 18.

Reimbursement Accounts
Health Care Reimbursement Account
Full-time employees may contribute to the HCRA. These monies may be used for expenses not covered under the medical and dental plans (i.e. co-pays, coinsurance, annual deductibles, vision care, etc.)

Dependent Care Reimbursement Account
Full-time employees are eligible to participate in the DCRA. This account may be used for qualifying childcare and/or day care for dependent children.

Employee Life Insurance
Employee Life Insurance is provided for all Full-Time office employees at two times their annual salary capping at $500,000.

All employees participating in employee medical insurance are eligible for an additional $20,000 of group term life insurance. If you select dependent medical coverage, you will also be provided with $2,000 of group term life insurance for your spouse and $1,000 group term life insurance for each dependent.

Long Term Disability
Employee Long Term Disability coverage is provided to all Full-Time office employees. This plan provides financial protection for you by paying you a portion of your income while you have a long period of disability. After the elimination period of 90 days you will receive 60% of you monthly earnings, but not more than $5,000 a month. Your benefit may be reduced by deductible sources of income and disability earnings. Some disabilities may not be covered or may be limited under this coverage.

401(k) Plan
Employees are eligible to participate in the 401(k) plan after 6 months of employment. This plan provides the employee the means to defer income and invest it in several different funds.

Supplemental Insurance
Trussway offers several Supplemental Insurance plans which are available to Full-Time employees.