Surveys: Employee Benefits Practices - 2004
Table of Contents
| INTRODUCTION | 1 |
| HIGHLIGHTS | 3 |
| MEDICAL INSURANCE | 5 |
| General Information | 5 |
| Indemnity Plan | 12 |
Preferred Provider Plan (PPO) |
17 |
Point of Service Plan (POS) |
33 |
Health Maintenance Organization (HMO) |
42 |
Consumer Driven Health Plan |
51 |
| Medical Insurance Data Arrays | 55 |
| DENTAL INSURANCE | 145 |
General Information |
145 |
Indemnity Plan |
148 |
Preferred Provider Plan (PPO) |
153 |
| Point of Service Plan (POS) | 164 |
| Dental Maintenance Organization (DMO) | 167 |
High Deductible Dental Plan |
174 |
Dental Insurance Data Arrays |
175 |
| DISABILITY COVERAGE | 235 |
| Short-Term Disability | 235 |
| Long-Term Disability | 237 |
Disability Coverage Data Array |
241 |
| LIFE INSURANCE/ACCIDENTAL DEATH AND DISMEMBERMENT | 255 |
Group Life Insurance |
255 |
Accidental Death & Dismemberment |
258 |
| Life Insurance/AD&D Data Arrays | 261 |
| TRAVEL ACCIDENT COVERAGE | 274 |
| Travel Accident Insurance Data Arrays | 275 |
| RETIREMENT PLANS | 278 |
| Defined Benefit Pension Plan | 281 |
| 401(k) Plan | 282 |
| Other Plans | 284 |
| Retirement Plans Data Arrays | 287 |
| PAID TIME OFF | 299 |
| Sick Days/Personal Days | 299 |
| Vacation Days | 302 |
| Paid Time Off Data Arrays | 322 |
| EMPLOYEE ASSISTANCE PROGRAMS | 329 |
Employee Assistance Data Arrays |
331 |
| FLEXIBLE BENEFITS/BENEFITS STATEMENTS/BENEFITS CHANGES | 337 |
| Flexible Benefits Data Arrays | 341 |
| MISCELLANEOUS PRACTICES | 348 |
Miscellaneous Practices Data Arrays |
357 |
| FIRMS AND TERMS | 380 |
| Participants | 381 |
| QUESTIONNAIRE | 382 |
| PRICE LIST | 433 |