Employee Benefits

H-GAC currently provides three medical insurance plans. Two are PPO plans and one is an HMO plan. H-GAC covers the cost of two of these plans for employees only. Additional dependents may be covered at the employee’s expense.

H-GAC provides two dental insurance plans. They are a Preferred Provider Plan and a Dental Health Maintenance Organization. H-GAC covers the cost of two of these plans for employees only. Additional dependents may be covered at the employee’s expense.

H-GAC provides vision insurance that covers exams, lenses, lens options frames, contacts and Lasik Laser Vision Correction at a percentage of cost or a maximum allowable cost. H-GAC covers the cost of two of these plans for employees only. Additional dependents may be covered at the employee’s expense.

H-GAC provides in conjunction with medical insurance a pharmacy benefit. Prescription drugs may be refilled per guidelines at the generic, brand and non-formulary tiers each with an associated cost.

H-GAC provides two Flexible Spending Accounts

• Medical – a way to budget and save for qualified medical expenses incurred over the course of the upcoming plan year. It allows you to set aside pre-tax dollars to pay for costs not covered by insurance such as co-pays, deductibles, prescriptions, just to name a few
• Dependent Care - a way to budget and save money on care for your dependents. It allows you to set aside pre-tax dollars to pay for day care expenses.

H-GAC provides employees true Telemedicine. Employees are provided over-the-phone access to a national network of board certified doctors who diagnose, recommend treatment and when clinically appropriate, write short term prescriptions.

H-GAC requires participation in the retirement plan by all H-GAC employees. H-GAC will contribute an amount on behalf of each member equal to 7% of the employee’s Considered Compensation (called the Supplemental Employer Contribution) for each payroll period during which the employee made a 3% required after tax contribution or a 3% salary deferral election.

The employee is also permitted to make a voluntary after tax contribution, and/or to elect to defer an additional amount of their Considered Compensation up to a total of 100% of compensation. H-GAC offers both a traditional plan and a ROTH plan. Vesting increases over years of service with 100% vesting at year five.

H-GAC provides employees at no cost with Basic Life and Accidental Death and Dismemberment insurance. Coverage is provided at 1 times earnings up to a maximum.

Employees may purchase additional life and accidental death and dismemberment insurance per guidelines and limits for themselves, their spouse and children. Premium for this insurance is collected through payroll deduction.

H-GAC offers access to an insurance provider where employees can purchase short-term disability insurance based on the company’s policies, guidelines and restrictions.

H-GAC provides employees at no cost Long Term Disability Insurance (LTD). LTD provides approved employees on LTD 66.67% of covered monthly pre-disability pay up to a maximum after a 90-day elimination period.

Employee Assistance is provided to employees and their dependents to assist in overcoming person issues. The plan provides up to three face-to-face emotional or work-life counseling sessions per occurrence per year.

Estate Guidance and Will Service is provided to employees at varying levels. Basic levels depending on the vendor free to the employee, while more in-depth services require a monthly premium.

Identity Theft Protection is provided to employees at varying levels. Basic levels depending on the vendor free to the employee, while more in-depth services require a monthly premium.

Travel Assistance is provided to employees that are more than 100 miles away from home for 90 days or less. Services may include evacuation and transportation, pre-trip information, emergency services and identity theft assistance.

H-GAC provides access to Colonial Life products. Various products may be purchased in accordance with policies, guidelines and limitations that complement the employee’s specific needs.

Employees earn vacation and sick time. Availability, accrual rate and maximum carry over are subject to tenure requirements. H-GAC observes most regular holidays and employees are also granted personal days according the tenure and may be approved for other leave to include Emergency Leave, Personal Leave, Civil Leave, Family Medical Leave, Military Leave and Leave without pay. These leaves are determined by tenure, need and executive level approval.