Work for Clover

Advantages of Working for Clover

 

    PPO Base and Plus Medical Plans  

The Principal Preferred Provider Organization (PPO) plans pay benefits for covered services obtained from any health care provider.  The level of benefits is higher for services from participating providers.  But if you need a medical specialist, you can go directly to that specialist and he doesn't have to belong to the same medical group as your family doctor.  This year Clover has selected two PPO plans from Principal that offer different coverage levels based on your individual needs.

 

         Dental Plan

MetLife Dental is a fee-for-service (or indemnity) plan that gives you complete freedom in selecting a dentist. You can visit any dentist in the phone book. All dentists will honor this plan. If you select a dentist from the MetLife network, you can take advantage of negotiated discounts.

 

     Vision Plan

The OptiCare Vision Plan is a comprehensive managed care program. It is a full-service plan where members receive an exam, lenses or contacts annually and a frame of their choice ($125 allowance) every 2 years.

 

     Voluntary Life, Short and Long Term Disability Plans     

With group term life insurance, you are protecting and providing for your family in the unfortunate event of your death. Clover's life insurance plan is voluntary.  Short Term Disability insurance will provide payments to replace  up to 60% your weekly income or $2,000/week, whichever is less, while you are unable to perform your duties of your job due to a covered disablement (or sickness) begining on the 7th day (for up to 25 weeks).   Long Term Disability is income replacement of up to 60% of your monthly income or $5,000, whichever is less, for disabilities that last longer than 180 days.

 

     Accident and Cancer Plans

Clover has Accident and Cancer plans that are offered to employees. These plans, however, are quoted individually please contact HR directly via Email to: hr@clovergs.com for enrollment information.

 

     Flexible Spending Account

Contribute up to $2,000 annually with pre-tax payroll deductions to reimburse yourself for eligible medical expenses not otherwise covered.   For a nominal $1.50/month fee, sign up for the Debit Card. Purchase prescriptions or pay for a doctor’s office visit co-pay with a debit card where the monies are directly taken from your flexible account. NO MORE CLAIM FORMS!

 

     401(k) Retirement Program

Maximizing your retirement no longer means piecing together and managing several plans. With Clover, your can plug into one of the most powerful retirement programs available anywhere.  You may contribute up to the legal limit in 2007, that's $15,500 (or $20,500 if you're over 50).  It's the easiest and most flexible way to provide for your future!

 

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