Benefits Overview

Health Insurance

RTI offers full-time employees (30 hours or more) comprehensive health insurance coverage through Blue Cross Blue Shield of Florida. We offer two plans to choose from each with four levels of coverage. RTI pays a significant portion of the premium for any of the selected coverage levels. Pre-tax deductions are withheld bi-weekly through payroll deduction and coverage begins the first of the month following the employee’s date of hire. The rates are as follows:

Health Insurance Rates

Coverage Level	BlueOptions 3769	BlueOptions 3160/3161
Employee	$21.81	$0.00
Employee + Child(ren)	$99.37	$31.02
Employee + Spouse	$128.27	$76.20
Family	$202.44	$91.40

Dental Insurance

RTI offers three levels of dental coverage to choose from. RTI pays a significant portion of the premium for any of the selected coverage levels. Many diagnostic and preventative services are covered at no charge. Other services such as crowns and orthodontia require co-payments. Some pre-existing conditions are not covered until coverage has been in force for twelve (12) months. For employees located in Florida, a participating plan dentist should be selected in order to obtain the maximum benefit from the plan. Employees not residing in Florida may select the dentist of their choice. Pre-tax deductions are withheld bi-weekly through payroll deduction and coverage begins the first of the month following the employee’s date of hire. The rates are as follows:

Dental Insurance Rates

Coverage for	Cost
Employee	$3.68
Employee + 1	$16.43
Family	$31.15

Basic Life Insurance

RTI provides $50,000 of coverage for natural death and $100,000 for accidental death at no cost to the employee. The coverage also provides dismemberment benefits.

Voluntary Life Insurance

This plan allows employees to purchase additional amounts of life insurance coverage on himself/herself and on each eligible dependent(s). The maximum coverage available for the employee is $500,000, the maximum available for spousal coverage is $100,000, and for each child the maximum available is $10,000. Any amounts applied for that exceed $140,000 will require approval by the carrier.

Short Term Disability Insurance

This benefit provides partial income replacement (60.00% of base earnings, up to $800 per week) beginning on the 15th day of absence due to illness or non-work related injury for a maximum period of 11 weeks. RTI fully covers the cost of this benefit.

Long Term Disability Insurance

This benefit provides partial income replacement (66.67% of base earnings, up to $8,000/month) after the short-term disability benefits cease. Benefits can be payable up to age 65. RTI fully covers the cost of this benefit.

Section 125 – Cafeteria Plan

Employees have the opportunity to pay for dependent care expenses and qualified medical and dental expenses with pre-tax dollars. These flexible spending accounts are approved and governed by the Internal Revenue Service guidelines. Employees can only make changes during the year if a qualifying event occurs. Any deposits not used within the calendar year are forfeited.
Dependent Care Maximum $5,000/year
Medical Reimbursement Maximum $2,500/year

Voluntary Vision Plan

This plan provides a benefit option that covers all routine eye care including exams, eyeglasses and contact lenses. Single and family coverage is available. To obtain the maximum benefit from this plan the participant must select a providing physician. Pre-tax deductions are withheld bi-weekly through payroll deduction. The rates are as follows:

Vision Rates

Coverage for	Cost
Employee	$3.00
Family	$8.59

Ancillary Voluntary Benefit Plan

Allstate offers insurance policies to help supplement primary health insurance plans by providing direct-to-the-policyholder cash benefits, to fill the gaps in traditional health insurance coverage, such as deductibles, out-of-pocket expenses and loss of earning power. All levels of coverage are payroll deducted on a pre-tax basis with the exception of disability insurance. Premiums are paid 100 percent by the employee.

Pet Assure

Pet Assure is the preferred alternative to insurance coverage for your family pet. Unlike pet insurance, all pets are covered; regardless of age, medical condition or any pre-existing condition. There are no exclusions, no deductibles and no waiting for reimbursement. Premiums are paid 100 percent by the employee.

Prepaid Legal and Identity Theft

The Identity Theft Shield program protects you and your family members against the five most common forms of identity theft: driver’s license, social security, medical, character/criminal and financial. The Legal Shield gives you and your family 24 hour access to legal consultation if you are detained, for only $1 a month – as an additional benefit to your family plan.

Prepaid Legal & Identity Theft Rates

Coverage for	Cost
Identity theft & legal coverage	$11.95
Identity theft only	$5.98
Legal plan only	$7.36

Retirement Savings Plan (401(k) Plan)

The 401(k) plan allows employees to set aside a portion of their salary and defer income taxes on savings. Employees are eligible to participate in the plan after 3 months of employment. RTI will match a portion of each employee’s contribution. Employees are 100-percent vested in the employer contributions after 3 years of employment. The employee must work a minimum of 1,000 hours to be credited for a year of service.

Tuition Reimbursement Plan

RTI provides financial support to employees for education which leads to improvement of skills or other knowledge, which are directly related to a work position at RTI. Tuition reimbursement is available after one year of service for full-time employees for courses taken for credit, which are successfully completed at an accredited college or university.

Employee Assistance Program

RTI offers an Employee Assistance Program (EAP) to all employees at no cost to the employee. This program provides confidential counseling to employees and their family members.