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Employee Benefits

The following programs are available to CSA members:

Insurance Programs
Long-term Disability: Pays 66 2/3% of wages up to $5,000 per month
Life: Up to 4 times earnings, max $300,000 or fixed amount of $40,000 or $90,000 Group Life: Up to 5 times earnings, max $600,000 for employee / Up to 2 times earnings, max $200,000 for spouse
Dental: 100% of routine, 80% of basic care, 50% of major and orthodontia ($50 lifetime deductible) Retiree Health and RX: Picks up where medicare leaves off for qualified expenses RX coverage with no "donut hole" or deductible.
Other products also available through affiliated brokerage arrangements.

Contact Bruce Maginnis, Gilsbar Inc., at 1-800-495-7227 for complete details of coverage and rates.

Retirement Programs
The following programs are available to CSA members:
457 Defined Contribution: Routine employee meetings, easy to understand statements and internet tools, large selection of high quality funds, very low expense loads.
401K Defined Contribution: Routine employee meetings, easy to understand statements and internet tools, large selection of high quality funds, very low expense loads.
Contact Jim Gilbertson, ING, at 1 (866) 241-8924 for complete details on CSA's 401 and 457 programs.
Defined Benefit Pension: A large variety of menu options to choose from, including multipliers up to 2.5%, early retirement options, widows benefits, disability accruals.
Other products also available through affiliated brokerage arrangements.
Contact Bill Roebelen, Mass Mutual, at 1 (800) 309-3539 extension 48150 for complete details on CSA's Defined Benefits pension program.

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