Benefits Summary for Full-Time Employees
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Workers’ compensation insurance is paid in full by the Company, and it goes into effect your first day on the job. Workers’ compensation benefits are intended to compensate workers with job-related injuries or illnesses.
Malpractice Insurance is paid in full by the company.
Mileage is reimbursed according to company guidelines and adjusted for current gas prices.
Your earnings are deposited directly to your checking or savings account.
We offer online access to your pay records.
Holidays and PTO
PTO-Full time employees can accrue up to three weeks of PTO.
Paid Holidays-Employees enjoy the following holidays off with pay.
- New Year’s Day
- Memorial Day
- Independence Day
- Labor Day
- Thanksgiving Day
- Christmas Day
Bereavement Leave-After 90 days of continuous employment, full-time admin employees will receive three (3) days per calendar year of pay to attend the funeral(s) of an immediate family member.
401K
Eligibility begins after one year of employment during which an employee works at least 1000 hours. Employees may enroll in the plan on the next January 1 or July 1 after they meet the one year eligibility requirement.
An employee may contribute to the plan on a pre-tax (traditional) or post-tax (Roth) basis. The maximum annual employee contribution amount for 2015 is $18,000 for participants under age 50 and $24,000 for participants age 50 or older.
The company will match 100% of employee contributions on the first 3% of compensation that an employee contributes to the plan. In addition, the company will match 50% of employee contributions on the next 2% of compensation that an employee contributes.
This matching contribution is fully vested immediately.
College Savings
NSPT sponsors a Section 529 college savings plan through the American Funds Group. This plan, College America, allows employees to save for their children’s college education expenses on a tax-advantaged basis. Because NSPT is sponsoring the American Fund Group Section 529 Plan, employees of NSPT may invest in this program without up-front sales charges or contingent deferred sales charges. All employees are eligible to participate in this plan.
Medical Coverage
Life Insurance/AD&D
- Eligibility begins the first of the month following 60 days of employment.
- Paid at 100% by NSPT.
- NSPT provides Basic Term Life coverage of $15,000 to all full-time eligible employees
NSPT offers the following options:
- HMO, PPO/HSA, PPO Blue Choice/HSA
- All Plans – NSPT pays 60% of employee premium, dependents are paid in full by employee.
- PPO/HSA – $3500 deductible for single or $7000 deductible for anyone covering dependents.
- Optional HSA to be funded by the employee to help pay for medical expenses.
- PPO Blue Choice – $2500 deductible for single or $5000 deductible for anyone covering dependents.
- Utilizes a smaller network of PPO providers
- Optional HSA to be funded by the employee to help pay for medical expenses.
COBRA Benefits
- NSPT follows COBRA guidelines for providing extended health benefits upon employee termination.
- Employee will contacted by the COBRA administrator.
Dental
NSPT offers a PPO plan and will pay for 60% of the premium.
Vision
NSPT offers Vision coverage.
- This is a policy purchased by the employee with no match by NSPT.
- Premiums are deducted from employee’s paycheck.
Disability
Short Term Disability
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Eligibility begins the first of month following 60 days of employment for full-time employees.
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Paid at 50% by NSPT, 50% by employee
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If Encounter Based full-time employee, paid at 100% by NSPT
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1st day accident coverage
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31 day waiting period for sickness
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26 week benefit period
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Covers 60% of salary up to $1000 weekly.
Long Term Disability
- Eligibility begins the first of the month following 60 days of employment.
- Paid at 100% by NSPT.
- 180 day waiting period
- Covers 60% of salary up to $6000 monthly.
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