Choice of 90 or 180 day waiting period. LONG TERM CARE Optional. Employee pays premium. Helps pay expenses of prolonged disabling condition. Employee pays minimal cost of administrative fee.
Employee pays premium.
Defined Benefit Plan. Full benefits at age 65 or 28 years service. Reduced benefits at age 55 with 25 years service. Reduced benefits at age 60. Vested after 5 years of earned service.