Mid-South Synergy Employee Benefits

HEALTH & DENTAL & VISION INSURANCE

BlueCross BlueShield Health, Guardian Dental, Superior Vision
Full-time employees only

Coverage begins the 1st of the month following date of hire.

The current monthly rates are as follows:

Coverage	HSA	PPO
Employee Only	$31.01	$100.63
Employee/Child	$115.77	$241.11
Employee/Spouse	$140.47	$300.62
Employee/Family	$194.26	$410.12

WELLNESS PROGRAM

Benefits include: free use of fitness room at Navasota office; Fitness Reimbursement Program and other wellness training topics and incentives.

FLEXIBLE SPENDING (SECTION 125)

NRECA
Full-time employees only

Mid-South Synergy offers employees the option to enroll in a Health Care Spending Account and/or Dependent Care Spending Account that is carried through NRECA.

LIFE INSURANCE

NRECA/MetLife
Full-time employees only

Basic Life

3x Annual Salary
Eligibility begins immediately
Mid-South Synergy pays 100% of the premium
Supplemental life available at employee's expense

BUSINESS TRAVEL ACCIDENT

NRECA/MetLife
Full-time employees only

$100,000 benefit in case of death while traveling on official company business
Mid-South Synergy pays 100% of the premium
Certain restrictions apply

PENSION

NRECA
Full-time employees and part-time employees working 1000+ hours/year

Mid-South Synergy contributes to a retirement fund with the National Rural Electric Cooperative Association once you have been employed for one full year and have reached the age of 21. Employees are 100% vested in the plan after 5 years.

401(K) PLAN

NRECA
Full-time employees and part-time employees working 1000+ hours/year

All contributions vest immediately
Eligibility begins 90 days following Date of Hire

Employee Contribution	MSEC Enterprises Match
1% of Salary	1% of Salary
2% of Salary	2% of Salary
3% of Salary	3% of Salary
4% of Salary	3.5% of Salary
5% or more of Salary	4% of Salary
Maximum employee contribution is 25% of salary or $16,500

SHORT-TERM AND LONG-TERM DISABILITY

NRECA
Full-time employees only

Mid-South Synergy provides 100% premium payment for short and long-term disability benefits
Eligibility begins 90 days following the Date of Hire

Coverage information is as follows:

	Short-Term	Long-Term
Benefit Period	13 Weeks	After Short-Term is Exhausted
Coverage Percentage	66 ⅔%	66 ⅔%
Plan Maximum	$1,200weekly	Ends at age 65

TUITION REIMBURSEMENT

Full-time employees only

Mid-South Synergy appreciates the benefits of continuing education and will reimburse up to $1,500 of approved education related expenses each calendar year.

PERSONAL LEAVE

Full-time employees only

Personal leave is accrued using the following chart:

Years of Service	Annual Benefit	Monthly Accrual
0-4	15 days	10.00 hours
5-9	20 days	13.33 hours
10+	25 days	16.66 hours

HOLIDAYS

Full-time employees and part-time employees

Mid-South Synergy observes the following Holidays:

New Years Day	Thanksgiving Day
Good Friday	Friday after Thanksgiving
Memorial Day	Christmas Eve
Fourth of July	Christmas Day
Labor Day