125 PRE-TAX PLANS

Eligibility: Full Time Regular Stakeholders on date of employment if properly enrolled within 30 calendar days of date of hire unless otherwise specified.

MEDICAL**

**Wichita may provide optional plan
In-Network
	Office Visits - Co-Pay
	Specialist Visits - Co-Pay
	Emergency Room - Co-Pay
	Other Services - $1,000 deductible + co-insurance

Out-Of-Network
	All services subject to deductible

Prescriptions
	3-Tiered Co-pays
	Pharmacy (30 day supply)
	Pharmacy by mail (90 day supply)

Wellness Incentives
	Up to $500 in Rebates Available for 2010

FLEX SPEND ACCOUNTS

Health Care
	Available at open enrollment only
	$100 minimum/year
	$2,500 maximum/year

Dependent Care
	Eligible after 30 days of employment
	$100 minimum/year
	$5,000 maximum/year (per IRS guidelines)

DENTAL

(Maximum annual benefit - $2,000/person)

Services	Deductible?	PPO Plan	Premier Plan
Diagnostic	No	100%	100%
Basic	Yes	80%	80%
Major	Yes	50%	50%

Orthodontic Services (Braces)

(Must have participated in NORDAM Dental Plan 12 consecutive months)

One Time Orthodontic deductible

PPO Plan pays 50%

Premier Plan pays 40%

Lifetime max = $2,000

VISION

Services	Eligibility
Exams	every 12 months
Lenses or Contacts	every 12 months
Safety Lenses	every 12 months
Frames and Safety Frames	every 24 months

DISABILITY PLANS

(no cost to Stakeholder)

Short Term

Eligibility: Full-time regular Stakeholders after 6 months of active employment.

Long Term

Eligibility: Full-time regular Stakeholders after 60 days of active employment.

401(k) RETIREMENT PLAN

Enrollment Options
	Elect 1-75% up to IRS annual maximum
	Date of hire, automatically enrolled at 3% or WAIVE

Catch-up Provision
Eligibility: 401(k) participants aged 50 or older

Company Match
	Eligibility: After 1 year of service
	50% of first 6% of Stakeholder contribution
	Fully Vested immediately

Profit Sharing
	Eligibility: Must be actively employed on 12/31 after 1 year of service
	NORDAM fully funded
	Fully Vested immediately

LIFE/AD&D PLANS

Basic Life/AD&D
	No cost to Stakeholder
	125% of Base Salary up to $50,000
	Matching amount for AD&D
	Eligible on date of hire

Travel AD&D
	No cost to Stakeholder
	AD&D coverage while traveling on NORDAM business
	Eligible on date of hire

Optional Life
	Post-tax payroll deduction
	Stakeholder, Spouse, Child and/or AD&D Plans
	Eligible after 30 days of employment

OTHER BENEFITS

Educational Assistance

Eligibility: Full-time regular Stakeholders after 6 months of active employment.

Employee Assistance
	No cost to Stakeholder
	24-7 assistance available for Stakeholder and family

Vacation

Eligibility: Full-time regular Stakeholders

6 months		40 hours
1 year		40 hours
2 years		80 hours
3 - 9 years		120 hours
10 - 19 years		160 hours
20 and more		200 hours

Personal Time

	Eligibility: Only full-time regular Hourly* Stakeholders*
	40 hours on anniversary date

Holidays

(Actual dates announced annually)