Benefits     

Features

CFC Health Plan

The CFC Health Plan provides security against significant financial loss and reduces the cost of necessary non-catastrophic medical care.

Health Plan overview
Health Plan SPD
Provider listing- Greater Cincinnati
Provider listing- All other areas
2010 Health Plan rates
2010 Prescription Plan co-pays
HealthSmart RX
IPS (mail order prescriptions)

Benefit Change in Participation Form

View Your Explanation of Benefits (EOB)
How to Create a HealthSmart Account
How to Read an EOB

• Health savings account
• No referrals necessary
• No waiting periods

CFC Dental  Plan

The focus of the Dental Plan is proper preventive care. The Dental Plan covers 100 percent of most preventive maintenance benefits; restorative benefits are paid at a lesser amount.

Dental provider listing
Dental Plan Summary
Dental claim form
2010 Dental rates

Benefit Change in Participation Form

• Two networks of dentists to choose from, Preferred and Premier
• Partial benefits are available outside the network

CFC Vision Plan

The Vision Plan provides associates with vision care services at a known cost.

Vision Plan provider
Vision Plan Summary
2010 Vision rates

Benefit Change in Participation Form

• Fixed co-pays for standard services
• Discounts available for some services

Tax Advantage Plan

Associates may apply TAP money to pay certain dental and vision expenses and dependent care expenses with pre-tax dollars.

TAP Expense List 

• Associates may contribute up to $5,000 a year in each account
• Certain services and items excluded by some medical plans may be eligible for reimbursement

Group Life Insurance

The Group Life Insurance Plan provides additional financial security to associate designated beneficiaries.

• First three years of employment = 1 x salary
• Three or more years of employment = 2 x salary to $1.5 million

Accidental Death & Dismemberment

The Accidental Death & Dismemberment Plan provides a benefit in the event of the loss of life or limb resulting from an accident. 

• $65,000 maximum benefit for death
• Benefit varies for loss of limbs

CFC Savings Plan

The Cincinnati Savings Plan is a 401k savings tool. Assocates are permitted to deposit pre-tax earnings into this retirement account managed through Fifth Third Bank.
Incoming Direct Rollover Election
Changing Deductions

Updating Your Retirement Benefits

• Associates may contribute the maximum allowed by law
• Multiple investment options to meet your needs
• Eligible associates may receive matching contributions.

Bonus

Eligible associates may receive cash bonuses annually. The board of directors determines whether or not to grant bonuses. Bonuses are based on base pay, length of service and quality of performance.

Short-term Disability

The Short-term Disability Plan includes pay continuation to provide associates with regular payroll deposits when that associate is unable to work due to a qualifying medical condition.

• 100% company paid
• Up to 17 weeks of coverage

Long-term Disability

The Long-term Disability Plan offers financial protection to disabled associates who are prevented from working for an extended period of time.

• Covers 2/3 of an associate's pay up to plan maximum

Employee Assistance Program

LifeMatters helps associates and their families deal with life issues, provides marital counseling and more. 

• Six free visits per issue, per year
• All associates and immediate family members are eligible

Payroll-deducted Insurance

Associates may be eligible to purchase Cincinnati's auto, homeowners or life insurance products with the convenience of payroll deduction.