Table of Content
- Header
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Page
- Welcome
- Eligibility and Enrollment
- Medical
- Dental
- Vision
- Life & Disability Insurance
- FSA & HSA
- 401(k)
- Additional Benefit Offerings
- Employee Referral Program
- EAP
- Holidays and Time Off
- Understanding Your Benefits
- Plan Documents and Required Notices
- Contact Us!
- Footer
Welcome
Helping you and your family reach and maintain good health is very important to Baker Boy. Baker Boy is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
Baker Boy sponsors a robust medical plan through BlueCross BlueShield of North Dakota.
Baker Boy remains committed to providing a competitive, cost-effective benefit program. We offer a comprehensive benefits program, which we hope is positively received by you and your families. Below are highlights of the 2023 benefits.
Eligibility and Enrollment
Regular full-time employees are eligible to participate in benefits offered by Baker Boy. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.
The benefits you elect during open enrollment will be effective from January 1, 2023 - December 31, 2023.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.
Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
Medical
BCBSND will continue to administer your medical and prescription drug benefits this year under the BlueSaver 80-2000 HSA with Preventative RX Plan.
To find out if your provider is in-network, please visit the BCBND website below.
Dental
Delta Dental's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Delta Dental network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.
To find out if your provider is in-network, please visit the Delta Dental website below.
Vision
Baker Boy offers vision coverage through MetLife to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the MetLife Network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the MetLife website below.
Life & Disability Insurance
Baker Boy provides you with Basic & Voluntary Life/AD&D coverage through MetLife.
Basic Life/AD&D
Baker Boy automatically provides you with Basic Life and Accidental Death and Dismemberment (AD&D) of $15,000. For Managers, Supervisors and Team Leaders the benefit is $25,000. The benefit for a spouse is $5,000 and $2,500 for children. Eligible employees are automatically enrolled in the company paid benefits when they become benefit eligible. Benefits reduce 35% at age 65 and 50% at age 70.
Voluntary Life/AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Short Term Disability
Baker Boy provides full-time employees, who have worked at least 12 consecutive months, with short term disability income benefits– at no cost to you! Without disability coverage, you and your family may struggle to get by if you miss work due to an injury or illness.
Hours Worked
- Weekday employees are based on 40 hours per week
- Weekend employees are based on 36 hours per week
- Transportation specialists are based on a 55 hour week
How it Works
If you become ill or injured and meet the guidelines to receive short term disability:
- Contact the Baker Boy Human Resources Department to make a claims
- Complete the Claim Form (which includes a physician authorization for the company to review and make a final determination)
- If approved, benefits will be paid directly to the employee on the same schedule as our normal payroll
- In order to receive continued disability payments, a new disability claim form must be completed every 6 weeks
- The amount of time paid for a pregnancy without complications is 6 weeks (additional time may become necessary when there are complications)
Voluntary Short Term Disability
The voluntary short term disability policy includes:
- Plan pays on the 8th day of an accident/injury
- Benefit rages from $50 to $1,000 per week, not to exceed maximum salary percentage of 60%
- Plan pays up to 13 weeks
- Includes Maternity leave benefit
Please keep in mind that this benefit is in addition to the Baker Boy paid short term disability plan.
FSA & HSA
The Health Care and Dependent Care Flexible Spending Accounts (FSA) and the Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to an FSA or HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
HEALTH CARE FSA
You may contribute up to $3,050 annually.
All benefit eligible can participate, unless you or your spouse are contributing to an HSA
Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses.
DEPENDENT CARE FSA
You may contribute up to $5,000 annually.
Limited to $2,500 if you are married and file separate tax returns.
Eligible expenses include care for your dependent child, spouse, parent or grandparent who are incapable of caring for themselves.
FSA Contributions
The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.
How the FSA Plan Works
You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.
HEALTH SAVINGS ACCOUNT (HSA)
You may contribute up to $3,650 annually as an individual or $7,300 as a family.
You must be enrolled in a qualified HSA-eligible health plan, but you or your spouse may not participate in an FSA or Health Reimbursement Account (HRA)
Baker Boy contributes $10 per paycheck into your HSA
How the HSA Plan Works
You may use your HSA funds to pay for eligible medical, prescription drug, dental or vision expenses. Unused funds remain in your account for future use and roll over each calendar year. You can change your HSA contribution at any time during the plan year for any reason.
401(k)
Qualified employees are eligible to participate in the 401(k) plan after 3 months of employment and then to the nearest monthly entry date. Baker Boy wishes to assist employees in saving for their retirement, so Baker Boy offers auto-enrollment. Auto-enrollment enrolls employees at a 3% deferral rate if no form is completed by the employee. We encourage all employees to complete the appropriate forms where you may designate your preferred deferral percentage, your investment options and your beneficiary designations. Your deferral percentage can be changed on a monthly basis. The form must be completed on the Alerus website by the last Thursday of each month to qualify to be effective the next month, otherwise the change will be made the following month.
Employees may choose to make an election of a percentage to be deducted from each paycheck. You may choose either a pre-tax, an after-tax Roth 401(k) deduction or a combination of both types.
- A pre-tax 401(k) deduction allows a percentage to be deducted from each paycheck before taxes. The money is invested and when withdrawn during retirement, all monies deducted, and the earnings gained on those monies are taxable to you.
- A Roth 401(k) deduction allows a percentage to be deducted from each paycheck after taxes. The money is again invested, and all money withdrawn at the time of retirement is available tax free.
When you become eligible to defer, Baker Boy will match your 401(k)-deferral percentage 50 cents on the dollar up to a maximum of 3.5%. For example, if an employee defers 4% themselves, Baker Boy will match 2%. If an employee defers 7%, Baker Boy will match at the maximum level of 3.5%. Matches are calculated and placed in the employees’ account each pay period. The six-year vesting schedule applies to any money placed into your account by the company.
Additional Benefit Offerings
Baker Boy provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to employees.
Accident Insurance - Voluntary
Accident insurance is designed to help meet out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Coverage includes payments for emergency treatment, hospitalizations, as well as treatment for broken bones, lacerations and burns. There is also a wellness benefit that includes a payment for completing a health screening or preventive care visit.
Critical Illness Insurance - Voluntary
Critical Illness, including cancer, impacts so many lives. One of the greatest and most easily forgotten effects is the financial burden associated with such diagnosis. In addition to the cost of treatment, the time away from work can deplete your savings account in no time. Coverage for spouses and dependent children can also be chosen. There is also a wellness benefit that includes a payment for completing a health screening or preventive care visit.
Hospital Indemnity Insurance - Voluntary
If you have ever experienced an extended hospital stay, you know how distressing of a time it can be for you and your family. It can also be expensive with costs racking up quickly. The Hospital Indemnity plan includes coverage for:
- Surgical and Emergency Room services
- Physician visits
- Hospital confinement
Education Allowance
Baker Boy believes learning should be a lifelong process and that all employees should have the opportunity to prepare themselves for the present and future needs of the company. Continuing Education may be reimbursed up to 75% of the registration and tuition cost. A maximum of $300 per calendar year will be granted to employees who are employed at least one year of full-time employment and employees over two years you will receive $600 per calendar year. All courses must be pre-approved, and the proper paperwork completed. A copy of your class schedule and fees due must be presented to the Human Resource Department.
Employee Referral Program
At Baker Boy we are all recruiters! If you know of someone looking for a career, tell them about the opportunities at Baker Boy. It could pay off for YOU!
What will I get for my referral?
- For each complete referral we receive you will have a choice of a $10.00 gift card to either Serendipity or Wal-Mart.
- If your referral is hired, after 6 weeks of employment you will receive $100.00.
- After 6 months of employment, you will receive $300.00 if your referral is working full time or $150.00 if your referral is working part time.
Who can be referred?
Anyone is eligible who:
- Is not currently employed.
- Has not been employed at Baker Boy in the last 6 months and is eligible for rehire.
- Will not be working as a temporary/seasonal employee.
Candidates must demonstrate they have the required qualifications and have a good employment record. The Human Resources Office will determine referral program eligibility once the application has been received.
What types of jobs are eligible for this offer?
Check out the job opportunities listed on Sharepoint or Kronos.
How do I refer someone?
- Complete the Employee Referral Form located in the breakrooms and HR office.
- Return the completed form to HR prior to the applicant being hired.
- Have your referral submit an application with your name in the referral section of the application. To qualify, your name must appear on the applicant’s job application as the referral & you must complete and turn in the Employee Referral Form to HR.
EAP
The Employee Assistance Program (EAP) is a short-term confidential assessment/counseling/referral service providing up to eight (8) sessions to the employee during the calendar year. The sessions are staffed by trained professionals who help you and your family evaluate your concerns and take positive action to resolve them.
How does it work?
The Employee Assistance Program (EAP) is provided to all employees and their immediate family members. Immediate family includes spouses and dependent children 25 years of age or younger. When you or a family member contacts your EAP, a professional counselor will assess your situation and pro-vide recommendations on how the authorized sessions can be best used to provide a resolution.
Confidentiality
The most basic component of the EAP is confidentiality. When you use the service, no one else, including your employer, is told anything unless you sign to release information to specific people for a specific purpose.
Cost
The EAP provides up to eight (8) counseling sessions during the calendar year. These sessions are provided without cost to you or your family. If further assistance is required, the EAP counselor will assist in referring you to another community agency. The cost of continued services will be dependent upon your insurance coverage or access to other resources. The EAP counselor works with you to determine the best option to minimize cost.
What are the Available Services?
When your personal concerns receive proper attention, everyone in your life benefits — including family members, clients, co-workers, employers and, of course, you. Some of the available services include:
- Marital or Family Concerns
- Work-Related Problems
- Emotional and Behavioral Concerns
- Financial Problems
- Alcohol and Drug Use
How to use the EAP?
Employees and their family members may contact a counselor to arrange services near their place of residence or work location by calling 701.530.7195 or 800.327.7195
Calls to address any emergency or crisis situation are taken 24 hours a day, seven days a week.
Calls for appointments are taken Monday through Friday, 8 am to 5 pm Central Time.
Holidays and Time Off
Paid Leave Time
Baker Boy believes employees should have opportunities to enjoy time away from work and help balance their lives. Employees have diverse needs for time off from work and therefore Baker Boy provides employees Paid Leave Time (PLT) to meet those needs.
PLT is designed to give you time away from your everyday work schedule for vacations, illnesses (yours and other family members), events, appointments, or any other reason. The time is to be used to help meet your personal needs. PLT accrues for each hour of full-time regular employment worked. It does not accumulate for hours such as overtime, holiday, for time taken as PLT, etc. The rate at which you accumulate leave time increases every five years you are employed as a full-time employee with the maximum rate at 25+ years of employment. The following table illustrates the rate at which leave time accumulates per hour. The non-DOT (Department of Transportation) rates are based upon a 40-hour work week. The DOT rates are based upon a 55-hour work week (for transportation specialists).
Holidays
All regular, full-time employees are eligible for paid holidays after 60 days of continuous employment. Baker Boy observes the following holidays.
- New Year’s Day
- Memorial Day
- Independence Day
- Labor Day
- Thanksgiving Day
- Christmas Eve
- Christmas Day
Employees who are on Workers Compensation, Family Medical Leave, general leave of absence, or Short-Term Disability are not eligible for Holiday pay.
Holiday pay will be paid at the rate of eight hours per holiday. If you are absent the day before or the day after a holiday, and these absences were not approved, or if approved and you do not have enough personal leave time (PLT) to cover your absences, you will not receive holiday pay.
According to applicable restrictions, the company will grant paid holiday time off only to regular, full-time employees. Holiday pay will be calculated based on the employees’ straight-time pay rate (as of the date of the holiday) times 8 hours. Paid holiday hours do not count as “hours worked” for purposes of calculating overtime.
A recognized holiday that falls on a Saturday may be observed.
Understanding Your Benefits
Plan Documents and Required Notices
If you would like a printed copy of any of the documents found on this page, please contact Human Resources.
Contact Us!
As you consider your benefit options, please be sure to review all available information found on this webpage. If you don't understand your benefits or need any assistance, please contact:
Amber Beld
701-456-1520
AMBERB@BAKERBOY.COM