Palmer College of Chiropractic West

Human Resources

Benefits
 

CHIROPRACTIC CARE: Employees of Palmer College of Chiropractic-West and their spouse and dependent children are eligible for PALMER WEST Care benefits.  PALMER WEST Care 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
• Rehabilitation: No Charge 30% discount of current fee
• Examinations: No Charge 30% discount of current fee

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HEALTH PLANS:   PCCW offers a Kaiser HMO plan and a PPO plan which utilizes the Beech Street Preferred Provider Organization (PPO) to employees working at least 25 hours per week or 10 Institutional equivalencies.

Regardless of the plan selected, employee  contributions are $85.00/month for single coverage, $170.00 /month for employee plus one dependent and $245.00/month for family coverage. The cost of coverage is broken down into equal payments throughout the month and deducted from the employee’s paycheck each pay period on a pre-tax basis. 

Health insurance goes into effect on the first of the month following 30 days of employment. 

Private chiropractic care:  $10.00 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% after meeting the deductible. Network of Chiropractic’s will be provided.
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DENTAL INSURANCE: Dental benefits include a $50 deductible for single coverage and $150 for family coverage per calendar year; the coinsurance factor varies according to the type of services provided.  Preventative care is provided at 100% for up to 2 visits per calendar year.  There is no network available for dental services. 

The dental coverage is effective the first of the month following 30 days of employment.  The cost of the dental coverage is included in the cost of the PPO Health Plan contribution, but is separate from the Kaiser HMO Health Plan contribution.  Dental cards are provided to participants. 
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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. Employees working at least 25 hours a week qualify to participate in this benefit program.
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VISION:  Participants of the Kaiser HMO Plan are eligible for Vision coverage.  The plans allow $10 eye exams with either reimbursement or allowances for frames, lenses and contacts lenses.  A benefit summary is attached.  
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LIFE INSURANCE: Palmer provides eligible employees with life insurance after 12 months of continuous employment.  Eligible employees are those who regularly work at least 25 hours a week.  This benefit is equal to $50,000 in coverage to the designated beneficiary in the event of death.  The plan also provides $1,000 to the employee's spouse and $500 per child(ren) from 14 days to 6 months of age and $1,000 from age 6 months to 26 years. This coverage is non-contributory and begins on the 1^st day of the policy month.
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OPTIONAL LIFE INSURANCE: Palmer offers employees the opportunity to purchase additional term life insurance at group rates.  Age and the amount of coverage purchased determine the employee's cost.  An employee must be enrolled in the optional life insurance in order to enroll a spouse or child(ren).
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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% 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 25 hours per week.
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RETIREMENT PLAN: Palmer College has established a base and matching retirement plan to provide funds for their employee's retirement.  After one year of service the College will make a base contribution of an amount equal to 2% of your annual salary.
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TAX-DEFERRED ANNUITIES or 403(b) Plans: Employees of Palmer College are eligible to participate in a tax-deferred annuity program.  This is a pre-tax retirement vehicle similar to an IRA.  Employees may choose to open a 403(b) plan after one full year of service, at least 21 years of age and work at least 20 hours per week.  Employees may contribute up to 100% of earnings to IRS limits. As soon as you become eligible to participate in the 403(b) plan, the College will contribute a matching contribution of up to 2% of your pay.  Employees are vested in the retirement plan based on months of service with the College.  Individuals are immediately 100% invested in their own contributions to the 403 (b) plan.    Employees may change their contribution amount whenever they wish by notifying the Human Resources Department in writing.

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HOLIDAYS: The holiday schedule is posted prior to the beginning of the new fiscal year.  We currently recognize 10 holidays.
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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.
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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.
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VACATION: Full-time employees working at least 25 hours accrue vacation on a monthly basis prorated on length of service. Refer to the appropriate staff handbook for more information.
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PERSONAL LEAVE: Full-time staff are provided 1 day (approximately 8 hours) of personal time each month to a maximum of 180 hours.  Personal leave is available for absences due to illness/injury of the employee or the employee’s immediate family, death in the immediate family, religious observances or an employee’s or immediate family member’s doctor appointments.  Refer to the appropriate staff handbook for more information. 
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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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Further information regarding any of the benefits programs offered by Palmer College of Chiropractic West is available from:

 **The information contained in this summary is meant to briefly outline the benefits offered by Palmer College of Chiropractic West and is not intended to replace or supersede information contained in applicable plan documents.  For full detailed explanations please contact the Human Resources Office. 

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