GTN Technical Staffing offers an excellent benefit package to full-time employees who are scheduled to work 30 hours or more each week. GTN Technical Staffing offers a wide variety of benefits ranging from group sponsored plans to voluntary benefits. GTN Technical Staffing also offers different options and levels of coverage giving employees the opportunity to purchase the benefits that work for them. All of the health insurance benefits are effective on the first of the month following 30 days of employment.This document contains a brief summary of benefit options available to GTN Technical Staffing employees and is intended solely for the use of candidates considering an offer of employment from GTN Technical Staffing.

* These insurance benefits will be effective on the first of the month following 30 days of employmentand will be deducted during the current month your benefits are effective.


 

PAYROLL SCHEDULE AND TIME SHEETS

Biweekly pay schedule

Online time sheet

 

HEALTH INSURANCE

You can select from two medical plan options through the Cigna network of providers. You can select from four levels of coverage; employee only, employee + children, employee + spouse, or employee + family. The primary differences between the two options are the premium amount, cost for office visits, annual deductible amount and annual out-of-pocket maximum. With both options, you may receive health care services from a list of network providers (PPO) or from any health care provider. When you use network providers (PPO), you pay a smaller percentage of the health care costs. The Health Savings Account (HSA) plan is a qualified high deductible health plan which allows you to open a health saving account to grow your money tax free. The following chart generally describes the employee’s costs for each option which is effective December 1, 2017 through November 30, 2018. The rates below reflect semi-monthly employee deductions.  Because these are semi-monthly deductions, you will see deductions in 24 paychecks out of the 26 paychecks in a year. There will be two paychecks per year with no deductions.

Standard PPO Rates  Health Savings Account Rates 
Premium (semi-monthly) Employee Only–$63.00
Employee + Spouse–$293.87
Employee + Children–$226.53
Employee + Family–$486.27
Employee Only–$55.42
Employee + Spouse–$279.02
Employee + Children–$213.80
Employee + Family–$465.35

You are eligible for the group medical insurance on the first of the month following 30 days of service, and you have 30 days after your eligibility date to enroll for the group medical insurance.

To locate a Cigna provider, please go to  https://hcpdirectory.cigna.com/web/public/providers (select PPO, Choice Fund PPO). For questions about the insurance not covered here call Benefit Plan Administrators (BPA) at 1-800-277-8973. (group #70061).

Detailed PPO Summary of Benefits (PPO health insurance)

Detailed HSA Summary of Benefits (HSA health insurance – with this plan you generally pay 100% of the discounted contract rate until you meet your deductible, then the insurance pays 100% – no co-insurance)

A special note on Health Savings Accounts: When you enroll in a qualified high deductible health plan, you are covered for serious illness or injury by a high deductible (lower premium costs) insurance plan. You can then set up a health savings account (HSA) on your own. You can make tax-deductible contributions to an HSA to pay for qualifying medical expenses. The maximum amount per year you can put in this account is limited to the lower of the plan’s annual deductible amount or the statutory maximum as adjusted annually (up to $6,900 for a family in 2018). The best thing about a health savings account is that it can function like an IRA: you can put money in and let it grow tax deferred until you use it. You don’t have to use the HSA to pay for uncovered medical expenses, but if you do then you can withdraw the money tax free.

For those of you who are new to our insurance or who are considering electing coverage please read the useful information below.

WE USE A THIRD-PARTY ADMINISTRATOR
It is important to remember that we use a third-party administrator for our insurance who uses the Cigna PPO network of providers. Your doctor/clinic will not be able to find your policy by calling Cigna. They will have to call the phone number on your card for BPA Administrators. That is our third-party administrator who will verify benefits.

FIND A DOCTOR IN NETWORK EASILY
Before you go to the doctor take advantage of the services offered online at www.Cigna.com to find a doctor or to see if you doctor is In-Network. When searching you should follow the links that indicate you are not on Cigna Insurance yet but you have a plan through your employer. When searching pick the Cigna PPO Medical Plan (PPO, Choice Fund PPO). Here you can search for urgent care, hospitals, group specialty practices, family doctors, etc…

NOT EVERYONE IN A DOCTOR OFFICE UNDERSTANDS ALL INSURANCE PLANS
Someone recently went to the doctor and had trouble using the insurance card because the receptionist did not understand the insurance is administered by a third-party. The billing department lady understood exactly, called BPA and verified benefits. So it is best just to keep it simple and tell them your insurance works with the Cigna PPO network of providers but to call the phone number on the card to confirm benefits.

ERRORS HAPPEN – CALL US FOR HELP
One employee had trouble using MedTrakRx because they had her date of birth wrong. She called GTN and we were able to get it corrected within an hour.

Please note: You will not be able to call Cigna and confirm how much a procedure or prescription will cost. This is something your doctor or pharmacy has to do because only they have the billing codes needed to confirm actual contracted rates. You can call BPA to confirm your coverage but they will not be able to tell you what a surgery or prescription will cost you.

 

DENTAL INSURANCE

You can select from two dental plan options through Principal (http://www.Principal.com). You can select from four levels of coverage; employee only, employee + children, employee + spouse, or employee + family. The following chart generally describes the employee’s costs for each option which is effective December 1, 2017 through November 30, 2018. The rates below reflect semi-monthly employee deductions.  Because these are semi-monthly deductions, you will see deductions in 24 paychecks out of the 26 paychecks in a year.  There will be two paychecks per year with no deductions.

Dental Gold DHMO Rates Dental Platinum PPO Rates
Premium (semi-monthly) Employee Only–$6.21
Employee + Spouse–$6.56
Employee + Children–$14.19
Employee + Family–$18.61
Employee Only–$16.77
Employee + Spouse–$44.62
Employee +Children –$45.88
Employee + Family–$66.08

For questions about the insurance not covered here call Principal @ 800-986-3343 (group # 1059772).

Detailed summary of benefits for both dental plans


 

VISION INSURANCE

You can select vision coverage through Principal. You can select from four levels of coverage; employee only, employee + children, employee + spouse, or employee + family. The following chart generally describes the employee’s costs for each option which is effective December 1, 2017 through November 30, 2018. The rates below reflect semi-monthly employee deductions.  Because these are semi-monthly deductions, you will see deductions in 24 paychecks out of the 26 paychecks in a year.  There will be two paychecks per year with no deductions.

Premium (semi-monthly) Employee Only–$4.86
Employee + Spouse–$10.38
Employee + Children–$11.12
Employee + Family–$18.21

Detailed summary of benefits (vision insurance)

Look up a Provider – https://www.vsp.com/find-eye-doctors.html


 

SHORT TERM DISABILITY INSURANCE

If you elect Short Term Disability insurance through Principal you can elect coverage in increments of $10 per week with a maximum benefit of $500 per week. Coverage is limited to a maximum of 60% of your weekly salary. Short Term Disability provides benefits for up to 12 weeks. The maximum weekly benefit for all levels of coverage is $500.

  • Benefit Percent – 60%
  • Maximum Weekly Benefit – $500
  • Minimum Weekly Benefit – $15
  • Day Benefits Start (accident/sick) – 8th day
  • Benefit Duration – 12 weeks
  • Pre-existing exclusion – 3 months prior / 12 months insured – 6 week limitation
  • Maternity – Included
  • Does not cover work illness/injury
  • Contribution – 100% employee paid

To calculate your premium (based on weekly salary to a maximum weekly benefit of $500):

Weekly salary X 60% = maximum weekly benefit (maximum $500)

The following chart generally describes the employee’s costs per month which is effective December 1, 2017 through November 30, 2018. The cost per paycheck = the cost per month X 12 / 2.

Age Band Monthly Rate Per $10 Weekly Benefit
0 – 24 $0.38
25 – 29 $1.19
30 – 34 $0.11
35 – 39 $0.34
40 – 44 $0.26
45 – 49 $0.20
50 – 54 $0.24
55 – 59 $0.31
60 – 64 $0.49
65 – 69 $0.55
70+ $0.58

Detailed summary of benefits (short term disability insurance)

Example of short term disability rate calculation


 

LONG TERM DISABILITY INSURANCE

If you elect Long Term Disability insurance through Principal, you can elect coverage in increments of $100 per month with a maximum benefit of $6,000 per month. Coverage is limited to a maximum of 60% of your monthly salary.

  • Benefit Percent – 60%
  • Maximum Monthly Benefit – $6,000
  • Minimum Monthly Benefit – $100 or 10% gross monthly benefit
  • Benefit Duration – Reducing benefit duration – To age 65
  • Pre-existing exclusion – 6 months prior / 12 months treatment free / 24 months insured
  • Mental Illness Limit – 24 months
  • Drug and Alcohol Limit – 24 months
  • Survivor Benefit – 3 months monthly benefit
  • Covers work and non-work related illness/injury
  • Definition of Earnings – Base wage
  • Integration – Full family
  • Elimination Period – 90 days
  • Contribution – 100% employee paid

To calculate your premium (based on monthly salary to a maximum benefit of $6,000):

Monthly salary X 60% = maximum monthly benefit (maximum $6,000)

The following chart generally describes the employee’s costs per month which is effective December 1, 2017 through November 30, 2018.

Age Band Monthly Rate Per $100 Monthly Benefit
0 – 24 $0.16
25 – 29 $0.33
30 – 34 $0.24
35 – 39 $0.31
40 – 44 $0.51
45 – 49 $0.60
50 – 54 $0.85
55 – 59 $0.78
60 – 64 $0.89
65 – 69 $0.38
70 – 74 $0.18

Detailed summary of benefits (long term disability insurance)

Example of long term disability rate calculation


 

LIFE / ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

Basic term life/AD&D is offered through Principal with a benefit of $15,000. This insurance is paid by GTN Technical Staffing. Additional life insurance is not available due to consistent lack of interest over the years.  This plan is effective December 1, 2017 through November 30, 2018.

Detailed summary of benefits


 

401(K) PLAN

After completing one year of employment, you can participate in the GTN Technical Staffing 401(k) plan through Fidelity Investments by contributing pre-tax dollars to the plan. GTN Technical Staffing provides a company match of 3% of your gross income for each pay period that contributions are made. You are automatically vested in all employee & employer contributions. The amount of the employee contribution can range from 1%-85% of annual compensation, to a maximum annual amount of $18,500 for tax year 2018. There is also a catch-up option available to those employees 50 years of age and older (an additional $6,000 for tax year 2018).

Fidelity Fast Facts brochure

Fidelity enrollment guide

 

EMPLOYEE POLICY MANUAL

Click here to view our employee policy manual