South Central Regional Medical Center is proud to offer the following benefit package to employees. We understand that benefits, especially insurance, can be very complicated; therefore, this summary has been prepared as a reference.
You may also contact Human Resources if you need additional information. This summary does not include all aspects of the benefits mentioned.
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EARNED TIME OFF
All full time employees are granted Earned Time Off (ETO) according to the following schedule:
0 - 5 Years 11.33 hours accrued monthly (Subject to a six month waiting period)
6 Years 12.00 hours accrued monthly
7 Years 12.66 hours accrued monthly
8 Years 13.33 hours accrued monthly
9 Years 14.00 hours accrued monthly
10 Years 14.66 hours accrued monthly
SICK LEAVE
To provide protection from financial loss resulting from a serious illness or accident, South Central provides a sick leave program. You will earn 8 hours of sick leave each month worked. Sick leave begins accumulating immediately upon full time employment, but benefits begin after six months (1040 regular hours) of full time employment. Sick leave benefits begin on the first day of illness, provided the employee has 480 hours earned sick leave. Employees with less than 480 hours begin receiving benefits after the first 8 hours of each occurrence of illness. Employees who are admitted to the hospital will be paid for the first eight hours provided they meet all other requirements.
SICK LEAVE REIMBURSEMENT
Sick leave may be accumulated up to a maximum of 720 hours. Any employee who accumulates sick leave in excess of the maximum will be reimbursed for the unused leave. Employees are paid in December of each year, eight hours for every 16 hours in excess of the 720 hour maximum.
LIFE INSURANCE AND ACCIDENTAL DEATH
The Medical Center provides, at no cost to the employee, life insurance in the amount of the employee’s annual salary. The policy is effective after six months of full time employment. The policy also provides double indemnity for accidental death.
Employees may purchase up to five times annual salary term life insurance for themselves (evidence of insurability after $100,000.00) and equal amount for a spouse (evidence of insurability after $25,000.00) and $10,000 for children. This policy is available through National Benefits Partner / UNUM Life Insurance Company. Full time and part time employees are eligible to enroll within 31 days of the employees hire date.
Employees may also purchase Universal Variable Life insurance by payroll deduction through American Life Insurance Company. Spouse and dependent coverage may also be purchased. Full-time and part -time employees are eligible to enroll during the Benefits fair each year for effective date May 1. (This benefit is not offered under the cafeteria plan.)
LONG TERM DISABILITY
The Medical Center offers long-term disability insurance to employees with six months or more full time employment. This benefit is designed to supplement income during extreme circumstances resulting in medical disability greater than three months in duration. This insurance pays one-half of your monthly income, coordinated with all other group policies, workers’ compensation and social security, subject to a maximum benefit of $1,000.00 per month. The Medical Center pays the entire premium so that this disability insurance is provided at no cost to you.
DAY CARE
SCRMC Children’s Academy will provide services for children in ages 6 weeks to 12 years of age, whose parents or legal guardians are employees of South Central Regional Medical Center. Day care is available for full time or drop-in during the hours of 5:30 a.m. to 8:00 p.m. Payment for services is set up as a payroll deduction. You may also choose to have your child care payroll deduction deducted under the cafeteria plan (refer to cafeteria plan document for more details). For more information, to set up an appointment or to receive an application you may contact the day care at 601-425-7563.
CREDIT UNION
All employees are eligible for membership in the Central Sunbelt Federal Credit Union. The Medical Center provides payroll deductions for your convenience. Contact the Credit Union for more details at 601-649-7181.
HEALTH INSURANCE
South Central Regional Medical Center has available three different health insurance options:
Plan I
Offers expanded benefits beyond the basic coverage. Benefits include Wellness Center dues, private room, vision coverage, as well as well baby coverage with the family plan. Click here for the full benefit detail PDF.
Plan II
Click here for the full benefit detail PDF.
Offers basic health coverage at an affordable price. Also includes Wellness Center dues.
A supplemental hospital indemnity plan is available through AFLAC and a CANCER policy through ALLSTATE. Rates and coverage information is available in the full time packet.
All full time and part time employees are eligible to participate in the health insurance. Part-time employee rate structure is different from that of a full time employee.
South Central also offers as part of its Plan I and Plan II insurance coverage a SCRIPTCARE pharmacy card. By presenting the SCRIPTCARE card to your pharmacist, you may purchase prescriptions by paying a co-payment according to if the drug is generic or brand name with no deductible.
Employee Discounts. Employees and their dependents will receive a 20% discount on any balance remaining at SCRMC after all insurance payments.
Smoker Rates. Different rate structures apply under the Medical Center’s group health insurance plan for smokers and non-smokers (Employee only). Employee must be smoke free for 12 months before changing to non smoker rate. Change can only be made during open enrollment.
Wellness Benefit. Plans I and II offer 100% payable for Preventive Benefits (one service each per employee or covered spouse per Calendar Year) which includes the following services: Prostate Exam and Pap Smear. Maximum per covered member per calendar year per covered member is $200.00. No deductible.
Enrollment. Employees may enroll in Health and Dental insurance within 31 days of the date of first eligibility (date of hire or change in status) or during Open Enrollment in March of each year. Employees who do not elect to apply for coverage when eligible will have an opportunity to apply at a later date.
See IMPORTANT INSURANCE NOTES at the end of this document.
DENTAL INSURANCE
All full time and part time employees are eligible to participate in the dental insurance. Part time employees rate structure is different from that of a full time employee.
South Central offers dental insurance under single or family plan. Benefits include coverage for exams, cleaning, crowns, bridges, fillings and other routine dental procedures. See Summary Plan Description for details.
FLEXIBLE SPENDING CAFETERIA PLAN
The Flexible spending Cafeteria Plan is an innovative way for you to save tax dollars and ultimately increase your take home pay. By electing to redirect a portion of your salary, you save FICA, federal and state taxes generally from 25% to 40% on the amount of salary you redirect. SCRMC’s Flexible Spending benefits include: Group health insurance premiums withheld from your check, dental insurance premiums withheld from your check, non-reimbursed Medical Expenses not covered by insurance, and dependent care expenses.
There is no cost for participating in the Flexible Spending Cafeteria Plan. The entire service is paid for by the Medical Center.
RETIREMENT
All full time and regular part time, active employees with at least six months of continuous service are eligible to participate in the medical center’s tax-sheltered annuity plan (403B Thrift). The plan is voluntary and both the employee and the medical center contribute to finance it. The employee contributions and matching schedule is as follows:
| Employee’s Contribution |
SCRMC’s Contribution Based on Years of Participation |
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0-9yrs |
10-14yrs |
15-19yrs |
20 yrs +
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| 1% |
1% |
3% |
4% |
5% |
| 2% |
2% |
4% |
5% |
6% |
| 3% |
3% |
5% |
6% |
7% |
| 4% and above* |
3% Max |
5% Max |
6% Max |
7% Max |
*See Human Resources for maximum contribution levels.
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Employees gain a 100% vested interest after five years of participation (for employees hired before January 1, 2002 and for all employer matching contributions received before January 1, 2002). For employees hired on or after January 1, 2002, and for all employer matching contributions received on or after January 1, 2002 vesting schedule is as follows:
| Year (s) of Vesting |
Service Vesting Percentage |
| Less than 2 years |
0% |
| 2 Years |
20% |
| 3 Years |
40% |
| 4 Years |
60% |
| 5 Years |
80% |
| 6 Years or more |
100% |
An employee is always 100% vested in his/her contributions.
Contributions are not subject to Federal Income Tax. A retirement plan participant may withdraw from the plan only upon termination of employment or in the event of extreme financial hardship as defined by Federal regulations.
457 Retirement Plan
Voluntary retirement plan that allows participants to contribute in excess of 403b limits. No penalty for early withdrawals.
EDUCATIONAL ASSISTANCE
South Central Regional Medical Center offers educational assistance for employees wishing to continue their education in a health related field. Applications for educational assistance may be obtained in the Human Resources Department. In addition, scholarship loans are awarded for employees wishing to obtain an AD or BS Degree in nursing. Applications may be obtained in the Human Resources Office.
EMPLOYEE HEALTH SERVICES
Employee Health Services are provided to encourage employees to maintain personal health, to assist in obtaining medical care where necessary, and supports early return to work for both injured and ill employees. Employee Health provides TB screening annually, Employee Wellness Programs such as Flu shots, monthly education seminars, job related vaccinations, health counseling and Weight Loss Program. For specific service details, please contact Employee Health at 601- 426-4533.
For additional information on benefits provided, please refer to the Employee Handbook or specific plan documents.
IMPORTANT INSURANCE NOTES
Insurance enrollment information must be returned to Human Resources within 31 days of hire date or of the date of the full time notification letter. After that period, enrollments will be done only during the Benefits Fair held in March of each year except in the instance of a Late Enrollee or Special Enrollee as specified in the Health Insurance Summary Plan.
All health insurance plans offered by South Central have a 12 month pre-existing clause unless a Certificate of Insurance from a previous employer is submitted at the time of enrollment per Federal regulations. When enrolling as a Late Enrollee, where there was no prior insurance coverage, the pre-existing period will be 18 months. Pre-existing refers to anything you or your dependents have been treated for prior to your eligibility date and will not be covered for the first 12 months you are on the insurance. All pre-existing conditions are determined by information obtained by the insurance company from your attending physician.
Plans I and II require a pre-admission certification for non-employers hospitals. (See attached Schedule of Benefits for pre-cert information and telephone number along with instructions for approval of extended hospital confinement.) Please note that pre-certification only certifies medical necessity of procedure or hospital stay and does not guarantee payment of benefits. All benefits and exclusions are determined by the insurance company according to the plan document.
Failure to provide birth dates and social security numbers of dependents could cause a delay in receiving insurance ID Cards and Booklets.
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