2008 Brunswick Benefits Summary for WI Salaried Employees
MEDICAL PLAN
Here’s
how the PPO medical plans work. Each time you visit a doctor or other
provider, you choose between In-Network and Out-of-Network providers.
- In-Network providers have agreed
to provide services at a discount.
- You’ll pay a higher percentage of
Out-of-Network provider charges.
|
|
IN
NETWORK
|
OUT
OF NETWORK
|
| Deductible |
Per Individual |
Family Total |
Per Individual |
Family Total |
| Standard PPO |
$400 |
$800 |
$600 |
$1,800 |
| High Deductible PPO |
$1,000 |
$2,000 |
$2,000 |
$6,000 |
|
Co-insurance |
80%
paid by Brunswick
(you
pay 20%) |
50%
paid by Brunswick
(you
pay 50%) |
| After you pay your deductible for a calendar year, the Plan pays the co-insurance percentage indicated until your out-of pocket limit is reached. |
| Out-of-Pocket Limit |
|
|
| Standard PPO |
|
|
|
$1,500 plus deductible |
Unlimited |
|
$3,000 plus deductible |
Unlimited |
| High Deductible PPO |
|
|
|
$2,250 including deductible |
Unlimited |
|
$5,250 including deductible |
Unlimited |
| Lifetime Maximum Benefit is $3 million per participant. Employee contribution is withheld pre-tax. |
| Wellness Benefit: In-network providers at 100% to $700 per year per person. |
VISION SERVICE PLAN
|
BENEFIT
|
VSP PROVIDER |
OUT-OF-NETWORK PROVIDER |
|
Eye Exam ( 1 every 12 months)
|
$20 co-payment
|
$25 maximum reimbursement
|
Lenses
(1 pair every 12 months) |
$25 co-payment for lenses and frames up to $150
20% discount on amount over $150 |
|
|
$30 maximum reimbursement |
|
$35 maximum reimbursement |
|
$45 maximum reimbursement |
- Progressive (no line bifocal)
|
$35 maximum reimbursement |
|
Not covered out of network |
Frames
(1 every 24 months) |
$45 maximum reimbursement |
|
Contact Lenses
(Every 12 months)
|
$130 maximum reimbursement
(no co-payment)
|
$105 maximum reimbursement (no co-payment)
|
*You may choose between contact lenses or glasses within a 12 month period. If you select contacts, you will not be eligible to receive glasses in the same period.
**The allowance you receive for the contact lenses applies to both the contact exam and the contact lenses. However, you will receive a 15% discount for a contact lens exam from a VSP Provider.
DENTAL PLANS
|
|
Brunswick Dental Plan
(Delta Dental)
|
|
Provider Location
|
Any Provider
|
|
Annual Deductible |
$50 |
|
Annual Maximum Benefit
|
$1,500 per year per person
|
| Preventative Services: |
|
- 2 visits per family member per year (oral exams, bitewing x-rays, cleanings)
- Flouride treatment (limited to 1 per year)
|
0% co-insurance, no deductible
Plan pays 100% of maximum allowable fee or negotiated fee. |
| Basic Services: |
|
- Fillings, oral surgery & extractions, root canals, emergency oral exams, stainless steel crowns, periodontics
|
20% co-insurance, after deductible.
Plan pays 80% of maximum allowable fee or negotiated fee. |
| Major Services: |
|
|
- Crowns, inlays, porcelain facings, veneers
|
50% co-insurance, after
deductible.
Plan pays 50% of maximum
allowable fee or negotiated fee.
|
| Prosthodontic Services: |
|
- Fixed bridgework, dentures
|
50% co-insurance, after deductible.
Plan pays 50% of maximum allowable fee or negotiated fee
|
|
Orthodontic Services
|
50% co-insurance, after deductible.
Plan pays 50% of maximum allowable fee or negotiated fee
|
MERCURY MARINE FAMILY MEDICAL CENTER
Voluntary
Participation
Employees,
dependents, and retirees who have coverage under Brunswick’s group health plan
are eligible. Cost is $20 per office visit.
Co-pays
can not be applied toward health insurance deductible; they can be applied
toward flexible spending account.
EXPRESS SCRIPTS PRESCRIPTION DRUG PLAN
|
|
Generic
Drug |
Preferred
Brand |
Non-Preferred
Brand |
|
Retail
- Up to 34 day supply
|
$9
|
20% co-insurance
($20 min/$50 max)
|
50% co-insurance
($50 min/Unlimited max)
|
|
Mail
Order – Up to 90 day supply
|
$18
|
$40
|
$150
|
DISABILITY BENEFITS
Salary Continuation:
Brunswick provides income for up to 26 weeks at full salary,
in the event of an extended illness or injury that keeps you away from work for
more than three consecutive days.
Long-term Disability:
This
benefit is contributory. If elected, you may be eligible to receive long-term
disability benefits if your disability continues beyond the 26-week salary
continuation period. Long-term disability provides 60 percent of your monthly
earnings, up to $15, 000 per month, during an extended period of disability.
DEATH
BENEFITS
Brunswick provides basic life and accidental death and
dismemberment (AD&D) coverage in an amount equal to 1.5 times your annual
salary as of January 1, up to a maximum of $1,000,000. You can buy optional life
insurance and personal accident insurance to further protect your family. The
cost is based on your age and the amount of optional insurance elected.
FLEXIBLE SPENDING
ACCOUNTS
Employees may contribute
annually up to $10,000 on a pre-tax basis to reimburse out-of-pocket medical
and dental expenses, and up to $5,000 to pay for dependent care. $260 is the
annual minimum under both accounts.
PAID HOLIDAYS - 13
VACATION
|
Years of Service |
|
|
In Year of Hire
|
1 day per month of
employment – January through October
|
|
1 – 4
|
2 weeks
|
|
5 – 10
|
3 weeks
|
|
11 – 14
|
3 weeks, plus 1 day per
year above 10 years of service
|
|
15 – 24
|
4 weeks
|
|
25 or more
|
5 weeks
|
REWARDS –
PROFIT SHARING/401K PLAN
Eligibility - 18 years of age or older; immediate vesting; 60-day
waiting period for 401K contributions and guaranteed profit sharing
contribution or match. Employee can contribute up to 40% of annual pay on a pre-tax
basis (no waiting period).
- Automatic (paid
annually)
- Profit Sharing -
After 60 days of service, Brunswick will contribute 3% of your Profit
Sharing Pay (includes base salary, overtime, commissions and bonuses)
- Company Match - Brunswick will match one dollar for every dollar you contribute to
the Plan, up to 3% of your compensation and .50 for every dollar on the next
2%.
- Variable (paid
annually based on Mercury Marine performance if active employee as of 12/31)
- Profit Sharing - Brunswick contributes an additional amount between 0% and 9% of your
Profit Sharing Pay (includes base salary, overtime, commissions and bonuses)
STOCK INVESTMENT PLAN
Voluntary participation.
Minimum contribution is $4.61 per pay period and the maximm is $923.08 per pay period. Invested in Brunswick Common Stock.
TUITION REIMBURSEMENT
Eligible
after three months of employment.
Maximum
course load for High School or Vocational School: 2 courses per semester.
Maximum
course load for College: 2 courses per period, not to exceed 8 credit hours.
Must apply for approval of
course 3 weeks prior to enrollment.
BRUNSWICK EDUCATION PLAN
Upon
death of employee, natural or adopted children (up to age 28) will receive for
their educational expenses:
Grade 7 – 12 $400/school year; $2,400 maximum
College $2,000/school
year; $8,000 maximum
BRUNSWICK SCHOLARSHIP PROGRAM
Brunswick awards a number of scholarships to children of eligible employees who are attending an accredited, non-profit college, university or vocational school.
Two types of scholarships are awarded each year:
- Single year scholarships of $2000 each*
- Multiple year scholarships of $2,000 each year (up to a maximum of $8,000)
*Single year recipients may reapply each year while pursuing an undergraduate degree, but not to exceed $8,000 per recipient total.
DOLLARS
FOR DOERS
Eligible employees may apply
for grants of $150 to $250 to qualified charitable organizations in which they are
involved as volunteers.
December 20 , 2007
