The benefits a company may provide you is an integral part of an employee’s total compensation package. For this reason, Data Expert Consultants offer a complete compensation package, to enhance the lives of both you and your family, as follows

A menu of optional benefits as part of the

Health Care Insurance

Dental Insurance

Group Life Insurance

The following provides a more thorough summary of Data Expert Consultants’ optional benefits offering. We suggest that you carefully review this material with your family to ensure that you are selecting the benefits which assign you are adequately covered in all areas. Then, if you have any questions, please ask.

We will continually develop all aspects of our benefits package, and update you of any changes.

NOTE: Additional, detailed explanations of all the benefits contained in this document will be provided to you from our benefit vendors upon employment with Data Expert Consultant’s In the event there is a discrepancy between the vendor-supplied descriptions and the information described in this document, the vendor's material takes precedence. As changes to the benefits package occur, any applicable revisions will be incorporated into this document.

Blue Cross/Blue Shield Alliance Choice.

Here’s how it works:

*See program for further details

The Guardian Insurance Company.

Here’s how it works:

100% Preventive and Diagnostic Services coverage, In-Network

90% Basic Services coverage, In-Network

80% Basic Services coverage, Out-of-Network

60% Major Services (Prosthetic & Denture Services) coverage, In-Network

50% Major Services (Prosthetic & Denture Services) coverage, Out-of-Network

$50/person deductible per calendar year (applies to other dental services)

(Maximum of three deductibles per calendar year per family)

($1,000 Maximum deductible per calendar year per insured)

*See program for further details

Cost of coverage is based on age and gender. Please see insurance cost chart.

*See program for further details

The Data Expert Consultants’ Reimbursement Account helps you pay for your health care (medical, dental, and vision) expenses not covered by a medical plan and/or dependent care expenses you incur so that you (and your spouse) can work. You can make pre-tax contributions to one or both reimbursement accounts. When you file a claim, you receive reimbursement for eligible expenses. Since you don’t pay taxes on your contributions, you actually reduce the cost of your eligible health and dependent care expenses.

Health Care Reimbursement Account Maximum Annual Contribution $3,000.00

Dependent Care Reimbursement Account Maximum Annual Contribution $5,000.00

• You decide which accounts to participate effective the beginning of each calendar year… healthcare dependent care or both.
• Your contributions are deducted from your pay on a before-tax basis and deposited in your reimbursement account.
• You file a claim for eligible health care and dependent care expenses and are reimbursed from the contributions deposited in your reimbursement account.
• If by December 31, your eligible expenses do not at least equal the balance in your reimbursement account, the law requires that you forfeit the money remaining in your account. Carefully plan your contributions to reimbursement accounts because of this limitation set by the government.

Data Expert Consultants provide for Social Security benefits and Workers' Compensation benefits, as required by law.

Full time (40hrs/week) employees may be eligible for fixed holidays, floating holidays, personal days, sick days, and vacation days. Eligible employees may join the absentee program on the 1^st day of the month following 30 days of employment. The Client and Data Experts must approve in writing all absentee days in advance.

Fixed Holidays: Data Experts recognizes the following nationally observed holidays, on which eligible employees are excused from work with pay.

If, you are required to work on a Holiday you are eligible for 8 hours of Holiday pay.

Floating Holidays: Full time employees are eligible for two floating holidays per calendar year, pro rated over the year. Floating holidays are the day before or the day after the nationally observed holidays listed above. Eligible employees may request off according to personal preference.

Vacation: Full time employees are eligible for 10 (ten) days per year, pro rated over the year. Employee may receive a lump sum reimbursement for unused vacation at the end of the calendar year.

Sick Leave: Full time employees are eligible for 4 (four) sick days per calendar year, pro rated over the year, because of their own non-occupational illness or injury.

Employees must notify their supervisor directly by the start of the scheduled work period, or as soon as possible, if they are unable to report to work because of illness or injury. If you cannot reach your supervisor, you should leave a message with any other supervisor who is present or follow the procedure your supervisor has established. Management reserves the right to request medical verification of an illness or injury. Experience tells us; however, successful employees make up sick time, whenever possible so as to keep current on client’s projects.

Employee may receive a lump sum reimbursement for unused sick days in appreciation for project dedication.

Personal Days: Data Expert Consultants recognizes that there are times when an employee may need to take time off to conduct personal business that must be done during normal office hours. To accommodate this need, a full-time employee is eligible for two (2) personal days per calendar year, pro rated over the year. Employees may receive a lump sum reimbursement for unused personal days.

Corporate policy does not limit the carry-over of earned absentee hours. All unused absentee hours may be carried over to the next calendar year.