Palmer College of Chiropractic

Human Resources

Benefits

CHIROPRACTIC CARE: Employees of Palmer College of Chiropractic and their spouse and dependent children are eligible for PALMERCARE benefits. PALMERCARE provides quality health and chiropractic care at any Palmer Chiropractic Clinic. This care is provided by our dedicated externs, clinicians and staff at a substantial discount. Fees for health and chiropractic services are:

Adjustments No Charge                        Examinations No Charge
Rehabilitation No Charge                     Radiology 50 percent  discount of current fee

HEALTH INSURANCE: Full-time employees working at least 32 hours a week are entitled to this benefit.

The health insurance plan carries a $300 deductible for single coverage, $600 for Employee + 1, and $900 for family coverage per calendar year.

$85/month - Single
$170/month - Employee + 1
$245/month - Family

The cost of coverage is deducted pre-tax from the employee’s paycheck in equal installments each pay period. Health and dental insurance go into effect the first day of the month following 30 days of employment.

Midlands Choice is the Preferred Provider Organization (PPO) associated with this plan.  Within the network, employees may choose from a list of participating doctors, hospital and treatment centers. Employees receive 90 percent co-insurance for utilizing the preferred provider program after the standard deductible is met for the first $1,000 for single coverage and $2,000 for employee + 1, and $3000 for family coverage, and 100 percent thereafter. Once enrolled, employees have both the PPO and non-PPO services available to them. If the employee chooses a non-PPO provider, the co-insurance is 60 percent after the deductible is met for the first $2,000 for single coverage, $4,000 for employee + 1, and $6,000 for family coverage, and 100 percent thereafter.

First dollar 100 percent coverage for ‘preventative/routine’ exams up to $300 per year per person is included in Palmer’s health plan.

Palmer's health plan includes a prescription drug card from Wausau Pharmacy Benefits usable at any local pharmacies.  Co-pays for prescriptions include $15 for generic , $30 for preferred brand-name , and $45 for non preferred brand-name.  Prescriptions are not subject to the medical plan's annual deductible.

Palmer’s health plan also includes a home delivery prescription drug service. Employee pay one co-payment of $15 for generic , $30 for preferred brand-name, and $45 for non-preferred brand name for each prescription, up to a 90 day supply. Home delivery prescriptions are not subject to the medical plan’s annual deductible.  Please note: Some restrictions apply.

Private chiropractic care: $10 office visit co-pay with a maximum of 30 office visits per calendar year. Office visit co-pay includes chiropractic adjustment. Auxiliary services performed will apply toward the deductible. Benefits for chiropractic visits in excess of limit will be provided at 90 percent after meeting the deductible.

DENTAL INSURANCE: The dental insurance included a $50 deductible for single coverage and $150 for family coverage per calendar year; co-insurance varies according to the type of treatment; there is no cost for preventive care once every six months. (There is no Preferred Provider Program for dentists at this time.)

FLEXIBLE SPENDING BENEFIT PLAN: The College offers Section 125 Cafeteria Plan to provide employees pre-tax pay deductions for the following: Health care deductibles; medical and dental expenses not covered by insurance; and dependent care expenses incurred in order to allow you or your spouse to work.

LIFE INSURANCE: Palmer provides eligible employees with life insurance after 12 months of continuous employment. Eligible employees are those who regularly work at least 30 hours a week. This benefit is equal to two times the employees gross annual salary up to $300,000 in coverage to the designated beneficiary in the event of death. 

OPTIONAL LIFE INSURANCE: Palmer offers employees the opportunity to purchase additional term life insurance at group rates. The cost to employees is determined by age and the amount of coverage purchased. Employees may purchase optional insurance for themselves or their spouse. Children may be covered in addition to employee or spouse coverage.

LONG-TERM DISABILITY: Long-term disability income insurance is available to all eligible employees; premiums are paid entirely by the College. This insurance helps to protect the employee against loss of income due to a qualifying disability. The plan’s monthly benefit is 60 percent of the employee’s basic monthly earnings reduced by benefits payable from other sources, up to a maximum of $5,000 per month. Eligible employees are active employees working at least 32 hours per week.

RETIREMENT PLAN: Palmer College has established a Pension Plan to provide funds for their employees' retirement. The College contributes 6 percent of a participating employee’s base salary to the plan. The attainment of age 21, and completion of 12 consecutive months of employment determine an employee’s eligibility.

TAX-SHELTERED ANNUITIES: Employees of Palmer College are eligible to participate in a tax-sheltered annuity program. TSAs are a pre-tax retirement vehicle similar to IRAs. Employee’s may contribute up to 100% of earnings to IRS limits. Employees may choose to open a TSA with any one of the vendors currently available. Employees may change their contribution amount once a year, however, they may change investment options within their TSA at any time.

HOLIDAYS: The holiday schedule is posted prior to the beginning of the new fiscal year. We currently recognize 10 holidays.

DIRECT DEPOSIT: Employees have the option of having their paycheck directly deposited (electronically) to a bank account(s). An employee can specify up to two different banks or bank accounts to deposit their net pay.

EMPLOYEE ASSISTANCE PROGRAM (EAP): The Employee Assistance Program (EAP) is an employer-sponsored benefit intended to provide confidential assessment, short-term counseling, referral and follow-up services that will help you and members of your immediate family resolve personal problems, large and small.

VACATION: Full-time staff employees accrue vacation during the fiscal year to be utilized the following fiscal year at the rate of 5/6 of a day per month. Palmer College of Chiropractic operates on a July 1 thru June 30 fiscal year. New employees receive a prorated amount of vacation earning as of July 1.

PERSONAL LEAVE: Full-time staff are provided 8 hours (1 day) of personal time each quarter. Personal time may be reserved to use throughout the fiscal year. Personal time may not be carried over beyond the applicable fiscal year.

SICK DAYS: Full-time staff receive 96 hours (12 days) of sick leave each fiscal year. New employees receive a prorated sick leave balance based on the remainder of the fiscal year. Sick leave may be used in increments of one hour. A maximum of 384 hours (48 days) of sick leave may be carried over to the following year. Unused sick leave available at the end of a fiscal year exceeding 48 days may be exchanged for additional personal time, at an exchange rate of four hours (1/2 day) personal time for every 16 hours (two days) of sick leave.

PAYDAYS: Employees are paid semi-monthly. The work period from the 1st through the 15th of each month is reflected on the paycheck issued on the 15th; the work period from the 16th through the end of each month is reflected on the paycheck distributed on the last working day of the month. If a payday falls on a weekend or holiday, employees are generally paid on the last workday preceding the holiday/weekend.

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