IHG : IHG Benefits

JPEG Image - IHG Candlewood Suites Fort Hood Proposed Property On-Post

The following benefits will be available to IHG employees working in hotels at Army installations:
(All rates are monthly and valid from January 1, 2009 to December 31, 2009)

Savings and Retirement Plans

401(k) Plan: Employees can contribute from 2% to 75% of their base salary, up to government regulation, to this plan on a pre-tax basis

Match	100% up to 4% of contribution. (Match deposited simultaneously with employee contribution)
Vesting	Immediate

Health and Welfare Plans

Medical Benefits: Most employees have a choice between at least two medical plans based on their geographical home location. Employees with tobacco free households are eligible to receive a $40 per month credit to medical premiums.

	IHG EPO/HMO Plan	IHG Kaiser of the Mid-Atlantic	IHG PPO Plan (In network)
Plan Profile	Employee Pays	Employee Pays	Employee Pays
Monthly Cost
Employee Only	$124.23	$133.90	$198.30
Employee + Spouse	$208.47	$227.78	$356.61
Employee + Children	$191.62	$209.01	$324.95
Family	$284.28	$302.42	$499.08
Plan Deductibles And Annual Maximums
Annual Deductible	Individual: $150/ Family: $450	None	Individual: $750, Family: $2,250
Out-Of-Pocket Maximum	Individual: $2,000/Family: $6,000	Individual: $3,500, Family: $9,400	Individual: $5,000, Family: $10,000
Lifetime Maximum Coverage Per Person	$2,000,000	Unlimited	$2,000,000
Physician Services
Office Visit – Primary Care	$25 copay per visit	$20 copay per visit, waived for children under 5 years	20% coinsurance after deductible
Office Visit – Specialist	$40 copay per visit	$30 copay per visit	20% coinsurance after deductible
Maternity	$40 copay for initial visit only	100% covered	20% coinsurance after deductible
Preventive And Wellness Services
Routine Physical Exam	100% covered	100% covered	100% covered
Pediatric Exams	100% covered	100% covered	100% covered
Well Woman Exam	100% covered	100% covered	100% covered
PSA	100% covered	100% covered	100% covered
Mammograms	100% covered	100% covered	100% covered
Emergency Services
Emergency Room	$100 copay per visit	$75 copay per visit	$100 copay per visit
Hospital Services
Surgery, Semi-Private Room And Board, Delivery and Newborn Charges	10% coinsurance, after plan deductible	No charge after $250 copay per admission	20% coinsurance after deductible

Prescription Plan: Available through Caremark or included with local medical plan.

	Caremark Rx Base Plan	IHG Kaiser of the Mid-Atlantic
Plan Profile	Employee Pays	Employee Pays
Monthly Cost
Employee Only	$13.62	Included w/ Med Plan
Employee + Spouse	$27.24	Included w/ Med Plan
Employee + Children	$24.51	Included w/ Med Plan
Family	$39.49	Included w/ Med Plan
Benefit
Retail	Generic: $5 / Brand: 40% coinsurance of Brand with $25 min, $100 max for up to 30 day supply	Generic: $15 copay / Brand and Non Formulary: $25 copay for up to 60 day supply
Mail Order (90 day supply)	Generic: $12 / Brand: 40% coinsurance with $75 min, $300 Max	Generic: $13 copay / Brand and Non Formulary: $23 copay

Dental Benefits: Most employees have a choice between at least two dental plans based on their geographical home location.

	IHG Aetna DMO	IHG Dental PPO Base	IHG Dental PPO Prime
Plan Profile	Employee Pays	Employee Pays	Employee Pays
Monthly Cost
Employee Only	$11.23	$14.71	$25.63
Employee + Spouse	$21.18	$29.41	$51.29
Employee + Children	$21.92	$35.29	$61.54
Family	$30.27	$49.99	$87.18
Benefit	In-Network
Annual Deductible	None	Individual: $50 / Family: $150	Individual: $50 / Family: $150
Annual Plan Limit	None	$1,000	$2,000
Preventive Care	100% Covered	100% Covered	100% Covered
Basic Care	100% Covered	20% Coinsurance	20% Coinsurance
Major Care	40% Coinsurance	Not Covered	50% Coinsurance
Orthodontia	50% Coinsurance, Maximum age 20	Not Covered	50% Coinsurance, $1,000 lifetime limit; Maximum age 20

Vision Benefits: Most employees can choose a more comprehensive vision benefit than what is included with the medical plans.

	IHG Vision Service Plan (In Network)
Plan Profile	Employee Pays
Monthly Cost
Employee Only	$9.72
Employee + Spouse	$15.56
Employee + Children	$15.88
Family	$25.61
Benefit
Vision Exam	Covered in full; $10 copay per exam; limit one eye exam per year
Annual Deductible	None
Lenses	Single vision, lined bifocal and lined trifocal covered in full; $25 copay; limit one set of lenses every calendar year
Frames	Covered up to $145 allowance; $25 copay; limit one set of frames every other calendar year; 20% discount on any out of pocket costs
Contact Lenses	Covered up to $150; allowance applies to contacts, fitting and evaluation exam; available every other calendar year in lieu of lenses and frames

Health Care Flexible Spending Account (Health Care FSA): This plan allows pre-tax contributions to pay for un-reimbursed health care expense for the employee and eligible dependents of up to $3,000 per year.

Employee Basic Life Insurance: This plan provides Company-paid basic life insurance of one times base pay, up to a maximum of $500,000. Coverage is Company paid.

Supplemental Life Insurance & Accidental Death and Dismemberment: Employees can choose to purchase supplemental life and accidental death and dismemberment insurance. There is an employee cost associated with this benefit.

Dependent Life Insurance: Employees can choose between three bundled optional plans of life insurance for their spouse and children. There is an employee cost associated with this benefit.

Short Term Disability (STD) Benefits: This plan provides disability benefits for non-work-related illnesses and injuries for up to 26 weeks with benefits equivalent to 60% of pre-disability weekly base pay. There is an employee cost associated with this benefit.

Long Term Disability Insurance: This plan provides disability benefits for non-work-related illnesses and injuries. Benefits begin after the employee has been disabled for 26 weeks (180 days). There is an employee cost associated with this benefit..

Other Plans

Vacation: Employees accrue 80 hours of vacation each year during the first four years of service; 120 hours of vacation for years five through nine; 160 hours of vacation each year for years ten through fifteen; 200 hours of vacation each year for 16 or more years of service. Unused vacation can be carried forward from one year to the next, up to a maximum of 40 hours.

Holidays: There are seven recognized paid holidays per year. Floating holidays may be available at the local hotel level.

Personal Time: Employees accrue 48 personal hours each year. Personal time can be used at the employee’s discretion for personal or family illnesses, important personal business, special observances, and any other reason. Unused personal time can be carried forward from one year to the next, up to a maximum accrual of 96 personal hours.

Dependent Care Flexible Spending Account (Dependent Care FSA): Allows pretax contributions to pay for out-of-pocket expenses for dependent care so that the employee can work, up to a $5,000 per year.

Employee Assistance Program: Provides employee access to an outside company for confidential assessments and referrals for a variety of work and life issues.

Employee Room Program: Employees are eligible to receive discounted room rates at all participating Candlewood Suites, Holiday Inn, Holiday Inn Express, Hotel Indigo, Crowne Plaza, InterContinental and Staybridge Suites hotels, subject to availability.

Healthy Lifestyle Programs

Tobacco Cessation: Smoking cessation program available through a partnership with the American Cancer Society Quitline. Nicotine Replacement Therapy (NRT) is available at no cost to the employee once enrolled in the program. Employee pays a one-time $25 copay for counseling sessions.

Healthy Babies: A $25 gift card is provided to an employee or dependent upon timely completion of the Aetna, Blue Cross Blue Shield or United HealthCare health pregnancy assessment..

Weight Watchers Discount: Employees may receive a discount on At-Work meetings, local meetings or online participation.

*The above is only a general summary of IHG’s benefits programs and does not include all of the details and conditions that may apply. Please refer to the plan documents for these details and conditions; if there is a conflict between this summary and a plan document, the plan document will control. IHG reserves the right to change, amend or terminate the plans described in this summary at any time. This does not constitute a contract or employment or a contract of any other nature between IHG and any recipient.

*Due to Human Resource regulations, the dates contained throughout this website are not to be construed as official notification of any particular action affecting Army employees.