Driver Benefits

• Anthem/Express Scripts
• Deductible of $3,000 in-network/$6,000 out-of-network
• Coinsurance of 70% in-network/50% out-of-network
• Out-of-pocket maximum of $6,450 in-network/12,900 out-of-network
• Preventive Care covered at 100% in-network

• Anthem/Express Scripts
• Deductible of $2,000 in-network / $5,000 out-of-network
• Coinsurance of 70% in-network / 50% out-of-network
• Out-of-pocket maximum of $5,450 in-network / $12,900 out-of-network
• Preventative Care covered at 100% in-network

• Anthem/Express Scripts
• Deductible of $1,000 in-network / $3,000 out-of-network
• Coinsurance of 80% in-network / 50% out-of-network
• Out-of-pocket maximum of $4,450 in-network / $12,900 out-of-network
• Preventative Care covered at 100% in-network

Discovery Benefits

• “Use it or Lose it”- funds should be used during current year
• Allows you to pay your medical, prescriptions, dental and/or vision expenses on a pre-tax basis
• Healthcare FSA
• Allows pre-tax deferral for unreimbursed medical expenses
• Flex “convenient card”
• $2,650 maximum annually
• Dependent Care FSA
• Allows pre-tax deferral for child or dependent care expenses
• $5,000 maximum annually

• HSA Authority (Old National Bank)
• Pre-Tax Contributions
• Tax Deductible Contributions
• Allows you to pay your medical, prescriptions, dental, and/or vision expenses on a pre-tax basis
• Funds roll over year to year
• 2018 – $3,450 Individual Maximum; $6,900 Family Maximum

• Annual Deductible – $50 Employee Only / $150 Family
• No deductible on diagnostic/preventative services – covered 100%
• Basic services covered at 80%
• Specialty/Major services covered at 50%
• Orthodontia (for children up to the age of 19) $1,000 lifetime maximum coverage
• $1,500 per member annual maximum

• No annual deductible
• To obtain a list of in-network vision providers
• 1-866-723-0515 or www.anthem.com
• $20 in-network eye exam copay
• $25 in-network copay for lenses
• Frames covered at $120 allowance, then 20% off remaining balance (every 24 months)
• Contact Lenses covered at $120 allowance, then 15% off remaining balance

• Lincoln Financial Group – Voluntary
• 50% of income replaced, up to maximum weekly benefit of $600
• Maximum benefit period is 11 weeks (following a 15-day elimination period)
• Pre-existing condition exclusion (Contact Benefit Dept. for additional details)

• 60% of base pay, up to maximum monthly benefit of $5,000
• 90-day elimination period
• 2 years benefit plan
• Pre-existing condition exclusion (contact benefits department for additional details)

• Accident insurance is available for you, your spouse, and children
• You will receive a predefined benefit based on the injury or qualifying event you incur
• Premiums are conveniently paid through payroll deduction
• Your base coverage is guaranteed renewable for life if the premiums are paid on time
• Portable Coverage (may take with you if you separate from Celadon for any reason)

• Pays a lump sum benefit upon diagnosis of one of six critical illnesses which include: stroke, coma, heart attack, major organ failure, permanent paralysis, end stage kidney failure
• Benefit is also available for cancel diagnosis
• Helps offset costs not covered by medical insurance
• Coverage options are available for spouse and children
• Premiums are based on age at issue and tobacco use status
• Portable Coverage (may take with you if you separate from Celadon for any reason)
• Can elect 10,000, 20,000, or 30,000 worth of coverage

• Affordable Term Life Insurance to age 100
• Offered to employee, spouse, and children
• Portable (may take with you if you separate from Celadon for any reason)
• Tax free death benefit paid directly to your designated beneficiary in one lump sum
• Visit www.allstate.com for more information

• Company-Paid Term Life Insurance
• Celadon provides all active, full-time employees with a company-paid term life insurance benefit through ING
• Over-the-Road Drivers – $15,000 flat benefit
• Benefit amount reduced at Age 70

• Additional life insurance is available in $15,000 units up to a maximum of $60,000
• Portable or convertible
• Responsible for paying 100% of the cost of your coverage which will be made through payroll deduction on a post-tax basis.
• Benefit amounts reduce at age 70

• $0.64 per week covers all eligible dependents
• Spouse – $10,000 flat benefit
• Child(ren) (birth to 6 months of age) – $500 flat benefit
• Child(ren) (6 months to age 19, or 24 if a full time student) – $5,000 flat benefit

• Four enrollment dates: Jan. 1, Apr. 1, Jul. 1, Oct. 1
• Employees may contribute up to 75% of their salary (subject to IRS limits)
• Company match is 25% of first 5% contribution
• Self-directed investment options – go to www.benefits.ml.com for more details

• Local attorneys
• Bonding services
• Personal legal fees
• Access to services across the US and Canada
• Discounts on Rx drugs, tax preparation, car rental, and hotel/motel accommodations
• Key and credit card protection
• Premiums can be payroll deducted