Benefits

Summary of Benefits

Health Insurance

Doral’s current health insurance is a Choice Plus plan with United HealthCare (UHC). New employees working 20 hours or more per week are eligible to enter the health insurance plan effective their date of hire. In-network services are paid at 100% after applicable co-pays. A $350 deductible for single and $700 deductible for family applies to those services not subject to a co-pay. There is also the option of receiving out-of-network services with reduced coverage levels (please see enrollment information for more details). Doral pays 80% of the premium for full time employees and 60% for part time employees.

Dental Insurance

Doral’s current dental insurance plan is with Doral Solutions . New employees working 20 hours or more per week are eligible to enter the dental insurance plan effective their date of hire. The dental insurance covers preventative, diagnostic, endodontic, periodontic, and basic restorative services at 100% with special restorative services at a lesser percentage. Doral pays 80% of the premium.

Group Life & AD&D

Doral’s current life insurance and AD&D plan is with Prudential. Employees working 20 hours our more per week are eligible for coverage upon their date of hire.

Doral provides 2x’s an employee’s annual salary. This benefit is completely employer paid. Any amount over $50,000 will be taxed. The taxed amount will appear on your W-2 form.

Supplemental Life

Employees may elect to purchase supplemental life insurance equal to 1x, 2x, or 3x their annual salary, up to a maximum of $500,000 per year. This benefit is completely employee paid.

Dependent Life

Employees may elect to purchase life insurance for their spouse and / or dependent children. There are two options offered. The benefit is completely employee paid.

Group Short Term Disability

The carrier for Doral’s short-term disability plan is Prudential. This benefit is available to employees working 30 hours or more per week. This benefit pays 70% of your weekly earnings to a maximum of $1000/week, in the event that you are temporarily disabled and unable to work due to an injury or illness. This benefit has a 7-day elimination period. New employees are eligible to join this plan the first of the month following 3 months of employment. Doral pays the entire premium cost for this benefit.

Group Long Term Disability

Doral’s current carrier for group long-term disability is Prudential. This benefit is available to employees working 30 hours or more per week. Benefits under this plan pay 60% of monthly earnings to a maximum of $2000/month following a 90-day elimination period.

New employees are eligible on their date of hire. Doral pays the entire premium cost for this benefit but the employee would have imputed wages on the amount Doral pays for the premium to make the benefit non-taxable if ever needed. Employees earning over $40,000 per can buy the added benefit to cover 60% of salary with a maximum of $14,000 per month.

401k Retirement Savings Plan

The carrier for our 401K Savings Plan is Fidelity Investments. The plan allows you to save a percentage of your income on a pre-tax basis. By participating in the plan, you reduce your total taxable income.

New employees are eligible to enter the plan immediately following employment. In addition, Doral matches 100% of your savings contributions up to the first 2% and 50% for the following 2% of your pay with a three year vesting schedule.

Flexible Spending Accounts

Doral’s current carrier for Flexible Spending Accounts is Benisource. Team members are eligible to enroll in this benefit on the first day of the January each year or the team member’s date of hire.

Flexible Spending Accounts allow for pre-tax dollars to be set-aside for eligible Health care and Dependent care expenses. The maximums for this plan are $3,000 annually for health care expenses and $5,000 annually for dependent care expenses.

Team members determine the amount to deduct from their check on a bi-weekly basis and are reimbursed when they have an eligible expense.

Vacation Time

Paid time off is made available to full time team members after completion of three months of continuous employment. Paid time off is accrued each pay period.

Employees are granted PTO according to the following schedule:

• 0 - 4 years - 21 days annually
• 5 - 9 years - 26 days annually
• 10+ years - 31 days annually

Holidays

All employees working 20 hours or more per week are eligible for paid holidays upon hire. The following holidays are observed each year:

• New Years Day
• Memorial Day
• Independence Day
• Labor Day
• Thanksgiving Day
• The day after Thanksgiving
• Christmas Day

Tuition Reimbursement

Doral provides tuition reimbursement for full-time team members interested in taking work-related courses. Team members must have completed 3 months of continuous service and be in good standing at the time of the course. Team members must receive prior approval from his or her manager as well as the Doral HR Department prior to starting a course. The courses either need to be related to your current position or related to the DVQ organization. Reimbursement is allowed for up to two courses per semester and are reimbursed according to the follow scale:

• 100% - Courses required by a manager, where the course is related to the employee’s current position.
   
• 80% - Courses part of an approved degree program.
   
• 80% - Courses not part of a degree program, but related to the employee’s current position.
   
• 50% - Courses not part of a degree program and not related to the employee’s current position but related to the DQV organization.

Discretionary Pension Plan

Doral provides a discretionary pension contribution to team members that have completed at least one year of service with the company. This plan has the same vesting schedule as our 401(k) plan. The pension plan is designed to provide you with retirement income and to enable you to share in the DQV profits. Because this plan is designed to encourage our team members to stay with the company, you become eligible for higher and higher contributions as your years of service increase, according to the following schedule:

• 1 but less than 3 years of service – 4% contribution
• 3 but less than 5 years of service – 5% contribution
• 5 but less than 7 years of service – 6% contribution
• 7 but less than 9 years of service – 7% contribution
• 9 or more years of service – 8% contribution

(Please note the total contribution is based on your total compensation and is determined by the Board of Directors every year)

Other Benefits

• YMCA Corporate Membership
• Casual dress code
• Members of the Zoological Society
• Dependent Tuition Reimbursement
• Employee Assistance Program

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