Booklet Page One

Booklet Page Two



Sample Employee Benefits Booklet Provided by IBS

Health Care Benefits
 

Blue Cross & Blue Shield

Your plan pays 100% of covered hospital expenses for up to 120 days in semi-private hospital accommodations.  Other inpatient and outpatient services are also covered in full.  Inpatient psychiatric care is paid at 80% for up to 60 days.

After a $100 individual calendar year deductible ($300 family maximum), major medical pays 80% of covered charges.  The major medical lifetime maximum is $1,000,000.  Outpatient psychiatric care is paid at 50% to a yearly maximum of $1,000.

Dental Insurance

Your dental plan pays 100% of the eligible expenses for diagnostic and preventative services such as oral exams and prophylaxis.  For restorative services such as Endodontics and Periodontics, the plan pays 80% for major services such as fixed bridgework and dentures, the plan pays 50% of the fee.  The maximum dental benefit is $1,000 per year.

 
Retirement
 

Social Security

Based on your current earnings, your monthly income could be:

$572  for you at age 65, if you are single
$787  for yourself at age 65, and your spouse, age 62
$858  for yourself at age 65, and your spouse, age 65

Pension Plan

$   900  Is the corporation's contribution.
$   858  Is your estimated monthly projected benefit at your
            normal retirement date.
$   572  Is your estimated monthly social security benefit at
            age 65.
$1,430 Is your total estimated monthly benefit at your normal
           retirement date, from the plan and social security.

Your normal retirement date is 02/01/27.  You are currently 20% vested in your accrued benefit.

 
Survivor Benefits
 

Social Security

Lump sum death benefit to eligible spouse/child is $255.
Monthly survivor benefits, as determined by your current salary and based on the number and age(s) of your dependents, are estimated to be:

$1,060  for your spouse and 2 or more children under 16
$   858  for your spouse and 1 child under age 16
$   409  for your spouse after age 60

Life Insurance Benefits
Group Life Insurance Benefit     $27,000
Accidental Death Benefit          $27,000

Dependent Life Insurance
Spouse               $2,000
Child                  $1,000



If you are serious about finding solutions,
please contact us at:

Integrated Benefits Services, Inc.
93 Case Street, Canton, Connecticut 06019
Tel. (860) 693-6725 - Toll Free (888) 909-IBSI (4274)
Fax (860) 693-9475


If you have any questions or need further information on any of our services, please fill-out our Information Request Form or
E-mail us at services@ibsbeneflex.com