Medical benefits are provided through a Section 125 cafeteria plan and offers general medical services, prescription drug services and routine vision exams.

General medical services are administered through Blue Cross of Idaho.

There are three options to choose from with varying benefits schedules providing a higher benefit for use of network providers. Two preferred provider organization (PPO) options offer salary-based deductibles. A consumer-driven health plan (CDHP) option offers fixed-dollar deductibles with the ability to participate in a Health Savings Account (HSA) with a company contribution.

Prescription drug services are administered through Blue Cross of Idaho.

Routine annual vision exams are administered through Vision Service Plan (VSP). Exams may be obtained from any vision care provider, but a higher benefit is provided when a VSP provider is used.

INL pays approximately 80% of the cost of these benefits. Employee costs are deducted from paychecks each week on a pre-tax basis.

Two dental options are available: one is administered by Delta Dental of Idaho and one is offered under a dental maintenance organization (DMO) with Willamette Dental of Idaho. Both dental options include adult orthodontia coverage. INL pays approximately 80% of the cost of these benefits. Employee costs are deducted from paychecks each week on a pre-tax basis.

Flexible Spending Accounts (FSAs) allow an employee to pay for certain unreimbursed health care and dependent care expenses with pre-tax dollars. Employees who enroll in the CDHP cannot be covered under a Heath Care FSA, either as an employee or as a dependent.

INL provides group life insurance at no cost for full-time employees equal to 2.25 times their annual base pay along with 1 times their annual base pay for accidental death and dismemberment (AD&D) insurance. Employees may elect to purchase Group Optional Life Insurance up to an additional 5 times their annual base pay and optional AD&D insurance up to an additional 10 times their annual base pay. Optional life insurance coverage is also available for an employee’s spouse and eligible dependents. Underwriting limitations may apply for some benefits.

INL provides short-term disability (STD) and long-term disability (LTD) insurance at no cost for full-time employees. Differing levels of reimbursement for STD depend on the duration of the disability. An employee can pay for a portion of their absence through Personal Leave (paid time off) if full replacement pay is desired. Otherwise, INL pays a portion and the insurance company pays a portion. STD benefits are payable for up to six months. LTD insurance will begin to pay benefits after six months of continuous total disability. Both STD and LTD insurance provides a benefit of 60% of base pay up to a maximum benefit of $12,000 per month.

The INL Employee Investment Plan offers the opportunity to participate in a 401(k) savings plan with several diverse funds. This plan is administered by The Vanguard Group. New employees receive an INL profit-sharing contribution equal to 4.2% of their annual base pay. These contributions are 100% vested after three years of service and require no employee contribution.

In addition, up to 6% of an employee’s contributions to the plan are matched by INL. The Laboratory matches dollar-for-dollar on the first 3% of base pay contributed by the employee, then $0.60 for each dollar contributed on the next 3% of base pay, for a maximum match of 4.8% of base pay. Employees are 100% vested in their contributions and the INL matching amount on those contributions.

Personal Leave (PL) may be used for vacation, personal business and absences due to illness or injury. Employees accrue PL on a weekly basis per the following schedule:

Months of Service	Hours Accrued per Week	Annual Accrual
0 through 60	2.77	144
61 through 108	3.23	168
109 through 228	3.54	184
229 or more	4.31	224

Employees assigned to the “desert site” work locations earn 15 additional hours of PL each year.

Additional benefits include:

• Optional Pre-Paid Legal Insurance
• Optional Aetna Supplemental Insurance
• Employee Education Program
• Employee Assistance Program
• Optional Vision Hardware Insurance
• Paid Holidays – 90 Hours per Year
• Business Travel Accident Insurance
• Wellness Program
• Subsidized Transportation to Remote Sites

Legally required benefits include:

• Social Security
• Workers’ Compensation
• Unemployment Compensation
• Family and Medical Leave