Androscoggin Home Healthcare + Hospice is pleased to offer Health Insurance Coverage through an
Individual Coverage Health Reimbursement Arrangement (ICHRA). An ICHRA is a new and innovative
way for Androscoggin Home Healthcare + Hospice to offer health insurance to our employees and their
eligible dependents. Annually, Androscoggin Home Healthcare + Hospice sets the amounts we will
reimburse employees (based on employment status, age, and geographic location) for individual
coverage purchased by our employees. We have partnered with Take Command Health to administer
the ICHRA plan.

A health savings account (HSA) is a medical, pre-tax benefit savings account that can be used with qualified high deductible health plans (HDHP). To have an HSA, you must be enrolled in an HSA compatible plan (please be sure to confirm this with Take Command Health) and you must not be covered by Medicare (or any other Non-QHDHP).

Androscoggin Home Healthcare + Hospice allows employees to set up an HSA account at the financial institution of your choice.

• Group Dynamic, Inc
• All regular employees who work at least 20 hrs/week are eligible following 30 days of employment on the 1st of the following month
• Tax-free funding for Medical and Dependent Care through payroll deductions
• Reimbursed weekly with paid receipts; any funds not used in the plan year is lost

• Dental healthcare is provided by Unum
• Regular part-time and full-time staff are eligible on the 1^stof the month following 30 days of employment.
• Diagnostic and Preventive – no deductible
• Fillings, routine extractions, root canal, periodontal – pays 80%
• Dentures, bridges, crowns, on lays – pays 50%
• Calendar year maximum – $1000 per person
• Orthodontics – pays 50% up to a Lifetime Maximum per person of $1,000.

• Vision insurance provided by VSP Vision Care
• Regular part-time and full-time staff are eligible on the 1^stof the month following 30 days of employment.
• Exam, frames, lens and contact lens allowance

Basic Life Insurance

• Life insurance provided by UNUM
• Regular part-time and full-time status employees who work at least 20 hrs/week are eligible; effective on date of hire
• Individual policy worth two (2) times employee’s annual salary
• Premium paid by Androscoggin

Voluntary Term Life Insurance

• Life insurance provided by UNUM
• All regular status employees who work at least 20 hrs/week are eligible.
• Available to employees, their spouses, and children
• Low-cost term life insurance from $10,000-$500,000
• Premiums are payroll deducted

Short-Term Disability Insurance

• STD Wage Protection through UNUM
• All regular status employees who work at least 20 hrs/week in a benefit eligible status are eligible upon hire
• 60% of basic weekly earnings are paid for non-work related illness or injury
• 14 calendar day waiting period after disability begins before benefits start
• Maximum benefit period of 11 weeks
• Premium paid by Androscoggin

Voluntary Long-Term Disability Insurance

• Disability insurance provided by UNUM
• All regular status employees who work at least 20 hrs/week
• Benefits begin after 180 days of disability
• Benefits payable up to 5 years for accidents, and 2 years after sickness
• Monthly benefit equal to 60% of basic weekly earnings (maximum benefit is $1,150)
• Premiums payroll deducted

Long-Term Disability Income Insurance

• Disability insurance provided by UNUM
• Exempt management employees who work at least 20 hrs/week
• 60% of basic monthly earnings are paid for any non-work related disability
• 90-day waiting period after disability begins before benefits start
• Maximum benefit period is based on age at disability
• Premium paid by Androscoggin

• Benefit provided by UNUM
• All regular status employees who work at least 20 hrs/week
• Benefits available for Accidents, Critical Illness and Hospital.
• Pre-Tax Payroll deductions

• Provided by The Principal Financial Group
• New employees are automatically enrolled at 4% contribution upon hire; option to opt out is available
• Employer Match Contribution: Once staff have worked for Androscoggin Home Healthcare and Hospice for 1 year and have satisfied 1000 hours of service in that year, employee will receive a match of 50% of the individual’s deferred contribution up to a max of 2%
• Non-Elective Discretionary Contribution: Androscoggin contributes the equivalent of 2% of an eligible individual’s gross compensation; eligibility is 1 year of service, 1000 hours and actively employed on the last day of the calendar year
• 20% vested in the plan after 2 years of service, 100% vested after 6 years of service
• Maximum contribution limits are set annually by the IRS

• Provided by MEMIC
• All employees are covered for work related injuries by our insurance company
• Employees must turn an Incident Report in to Human Resources immediately after an injury has occurred
• Medical bills are paid and 80% of average net income will be paid for any days beyond seven that are missed from work

Sometimes work and life can become too much to handle on our own. Androscoggin provides an EAP as a resource to help and is as close as your phone or computer.  EAP is designed to support our staff so they can lead a happier and more productive life at home and at work. Unum has licensed Professional Counselors available 24/7 and also Work/Life Specialists to answer questions and find resources in your community.

Androscoggin is about living! Our tagline is “for Health. for Life.” Providing care at end-of-life is important for our patients and their families. We know that our staff may also experience the need to be with, and care for, a family member. Our End-of-Life Care Leave provides time for our staff to be with their loved one during end-of-life moments.

• All regular part-time and full-time employees are eligible to request End-of-Life Care Leave of up to 12 weeks.
• After Earned Benefit Time is used to within two weeks of the balance, Androscoggin will continue to pay the individual at 66 2/3% of their regular weekly gross pay, in the form of end-of-life benefit time.

Higher education is necessary for some disciplines and a goal for others. In either case, the cost of education can be daunting. Androscoggin understands this and has set up funds to assist and support our staff in their educational pursuits.

• All status staff, following six months of employment, are eligible to apply for tuition reimbursement (requests from per diem employees will be approved on a case-by-case basis)
• Reimbursement dollars are based on University of Maine tuition at the time of registration; receipt and a passing grade report of “C” or better
• Reimbursement to $4,585.00/year for Associate or Bachelor Degree Programs or $5,250.00/year for Graduate Degree Programs
• Books will be reimbursed up to $150 per course with receipt

Home Healthcare or Hospice RNs who have completed at least one year of service with Androscoggin and are in good standing are eligible for loan forgiveness up to $9,000.00 (paid at $3,000 per year for three years)

At Androscoggin, continuing education is important for our staff and clinicians to stay up to date with training, techniques, and general information. We support payment for job related educational workshops based on status and paid time to attend.

Ensuring that our leaders have the tools, resources and knowledge they need to be successful is vital to the success of our teams. Androscoggin meets this priority in the following ways:

• All-staff orientation and preceptor for clinical staff
• Dedicated clinical staff educators
• Online Learning Modules for general and role specific education
• Monthly Management Day
• New Leader Mentoring
• Emerging Leaders program

A safe and reliable vehicle is vitally important to our clinicians in order to travel to visit and take care of our patients.  We know that “life happens” and repairs can be necessary, however, the funds might not be available. To meet this unexpected expense Androscoggin allows for an emergency car repair loan.

• All staff are eligible with an agreement to work at least 20 hours per week for the entire duration of the loan
• Loans may be granted for emergency automobile repairs and car rental while repairs are being done when there is no other means to get to work
• Loans will not be granted to reduce a financial hardship caused by large or recurring but predictable bills, (e.g., auto insurance, automobile registration)
• The maximum loan granted will not exceed $1000.00
• Minimum repayment amount will be $35.00 per pay check through payroll deduction

The work we do is hard, and very rewarding. Our lives are busy. Taking time away to rest, relax and just breath is very important. Taking time away to care for yourself or a loved one, is also important. Androscoggin has you covered. We have options to support you and your family so that you are able to step away from your work and return to us when you are ready and able.

• Earned Time Benefit
• Six paid holidays
• Flexible Scheduling
• Leave of Absence for you or to care for a family member
• End-of-Life Benefit
• Short-Term Disability
• Long-Term Disability