Benefits Summary 2015


Group Insurance Coverage

Various group insurance plans are offered to full premiums paid and part time employees. In many cases, the hospital subsidizes the cost; any by the employee are by pre-tax payroll deduction, which reduces taxable income by the amount of the deduction.

Medical Insurance: An HMO and PPO plan is available. For the HMO plan, SGMH pays the majority of the premium for the employee and pays a significant portion of the cost for dependent coverage. If you choose the PPO plan, the additional cost is paid for by the employee.

Dental Insurance: A choice of HMO and PPO plans are provided. SGMH pays a portion of the cost for employee coverage; dependent coverage is also available.

Vision Insurance: An employee-paid vision plan is available to employees and eligible dependents.

Life Insurance: The hospital provides one times the annual salary in group term life insurance.

Hospital Paid Coverage

Life Insurance: The hospital provides one times the annual salary in group term life insurance for all full and part time employees.

Long Term Disability Insurance: The hospital provides long term disability Insurance. Monthly payments for a long term disability would begin once the disability has exceeded 180 days. The amount of the monthly benefit is based on your rate of pay.

Supplemental Coverage

Disability Insurance: An employee-paid disability plan is available to full and part time employees, providing salary continuation benefits in the event of disability.

Life Insurance: Additional life insurance beyond that provided by the hospital may be purchased by full and part time employees.

Accident Insurance: An employee-paid plan that helps offset the unexpected medical expenses, such as emergency room fees, deductibles and co-payments, which can result from a fracture, dislocation or other covered accidental injury.

Cancer Insurance: An employee-paid plan that helps offset the out-of -pocket medical and indirect, non-medical expenses related to cancer that most medical plans don't cover. This coverage also provides a benefit for specified cancer screening tests.

Critical Illness Insurance: An employee-paid plan that complements your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness, which can often be expensive and lengthy.

Hospital Confinement Insurance: An employee-paid plan that provides a lump-sum benefit for a covered hospital confinement and a covered outpatient surgery to help offset the gaps caused by copayments and deductibles that are not covered by most major medical plans.

Paid Time Off

PTO: After completion of the 90-day Introductory Period, the Paid Time Off (PTO) bank accrues for full time and part time employees. Per diem employees do not accrue PTO. This bank may be used for holidays, vacation, and short term illnesses. 40 hours of PTO can be cashed out twice yearly, as long as after the cash out there is a remaining balance of 40 hours.

ESL: After completion of the 90-day Introductory Period, the Extended Sick Leave (ESL) bank accrues for full time and part time employees. Per diem employees do not accrue ESL. This bank may be used for longer term illnesses and benefits are coordinated with State Disability.

Flexible Spending Accounts (FSA): These are accounts that you may participate in which will allow you set aside pre-tax dollars in anticipation of what you may spend on Medical/Dental/Vision as well as Dependent Care over the calendar year for yourself, spouse and your eligible dependents.
Health Care Reimbursement Account allows you to set aside a portion of your before-tax salary dollars to reimburse yourself for eligible expenses which are not covered by a group medical, prescription drug, vision or dental plan. This would include expenses like co-pays for office visits, prescriptions, glasses, contacts, dental work, and many other expenses. Annual Maximum contribution is up to $2,500/year.
Dependent Care Reimbursement Account allows you to use before-tax salary dollars to reimburse yourself for work-related dependent care expenses. Annual Maximum contribution is up to $5,000/year.

Retirement Savings Plan

The hospital sponsored retirement plan allows employees to contribute up to the maximum limits set by the IRS for your retirement needs. All employees are able to participate in the savings opportunities of this plan. SGMH will match up to 5% of your annual contributions. Matching will begin after your first 90 days of employment. If you do not want to participate, you will be given a declination form in New Hire Orientation. All contributions and earnings on this plan are tax-deferred.

Roth IRA Savings Plan

Roth IRA Savings Plan will be available beginning January 2012. Deductions/contributions to a Roth IRA are taxable now so you do not have to pay the taxes when you do retire. A Roth IRA provides tax-free growth. There is no penalty for withdrawal of funds or mandatory age for distribution of earning with a Roth IRA, (other IRA owners must begin withdrawals at 70.5 years of age). Also, a Roth IRA can be inherited.

Continuing Education

On-Site: A variety of continuing education opportunities are available through the Staff Education Department. Full and part time employees may take advantage of these training opportunities for minimal cost. Per diem employees may also utilize these classes, at the regular class rate.

Employee Assistance Program (EAP)

Provides guidance for personal issues that you may be facing as well as information about other concerns that affect your life. The EAP program offers assistance/help with Education, Life Style & Fitness Management, Dependent Care and Care Giving, Legal & Financial concerns as well as information on work matters such as Career Development.
EAP counselors are available 24/7 @ 800-386-7055. The program offers up to 3 free sessions with local counselors.
You also have access to their website which contains over 3,400 helpful articles that will help you create balance and information in your life. Website can be accessed at
www.ibhworklife.com, contact Human Resources for username and password.

Pre-Paid Legal Program

All employees have access to a very reasonably priced pre-paid legal program. This program provides assistance with legal issues of all types that may arise in your life.

Service Awards

The hospital recognizes length of service in five-year increments. A recognition luncheon is held to honor all employees reaching service milestones.

Associate of the Month Appreciation Award

Each month, the Human Resources Department recognizes an outstanding employee who has been nominated. The employee of the month will be one that has gone above and beyond or has shown excellence in their position.

Credit Union

San Gorgonio Memorial Hospital is associated with Arrowhead Credit Union. All employees are eligible to join the credit union. Employees may arrange for loan payments or savings deposits to be made by payroll deduction.

Direct Deposit

All employees may have their payroll check deposited automatically to participating financial institutions. Deposits may be made to up to two accounts, which may be at different financial institutions.

Leisure Activity Discount Cards

Many amusement and entertainment centers in the Southern California area make discount cards and special promotion discounts available to the hospital. All employees are eligible to take advantage of these opportunities via the Fun Express website, www.funex.com. Contact Human Resources for our activity code.

We also have a list of local business that will give you a discount on products/services with the presentation of your hospital badge.

Benefits Coordinator
Yesenia De La Cruz
ydelacruz@sgmh.org
951-845-1121 x6235