COHO EMPLOYEE BENEFITS
Medical - Kaiser Plans
Coho Services also offers three medical plan options through Kaiser Permanente. The Kaiser Health Maintenance Organization (HMO) plans offer Kaiser coverage only. If you visit a provider outside of the plan's network, you will be responsible for the full cost of services. You can manage your care online at kp.org.
Kaiser plans are only available to employees who reside in the Kaiser service area.
Medical - Aetna Plans
Coho Services also offers three medical plan options through Aetna. Only In-Network benefits are shown as a summary of your medical plan benefits offered to you. For details and limitations, please refer to your summary of benefits for specific requirements regarding
pre-authorizations, coverage limits, and out-of-network costs. Go to Aetna.com to find an In-Network Choice provider or view your claim status online
Health Savings Account (HSA)
An HSA, or Health Savings Account, is a unique tax‐advantaged account that can be used to pay for current or future healthcare expenses. When combined with a Qualified High‐Deductible Health Plan (QHDHP), it offers savings and tax advantages that a traditional health plan can't duplicate. With an HSA, you will have:
• A tax‐advantaged savings account that you can use to pay for eligible medical expenses as well as deductible, co‐insurance, prescriptions, vision and dental care.
• Unused funds that will roll over year to year. There's no "use it or lose it" penalty.
• Potential to build more savings through investing. You can choose from a variety of HSA self‐directed investment options (minimum balance requirements apply).
• Additional retirement savings. After age 65, funds can be withdrawn for any purpose without penalty but may be subject to income tax if not used for qualified medical expenses.
Who Can Contribute to your HSA?
As the owner, you’re typically the main contributor to your HSA, but you don’t have to be the only person making deposits. Your employer and your loved ones can contribute funds — and you still get the tax benefits. You get the tax benefit for every contribution to your HSA no matter who provides the money — your employer, yourself, your grandma. You usually can make deposits with pre-tax dollars through payroll deductions. If not, you get to take an above-the-line tax deduction for every contribution up to the annual maximum contribution limit. The IRS sets limits annually on the amount you can contribute. Below are the amounts you can contribute.
Flexible Spending Accounts (FSA)
An FSA (or flexible spending account) allows you to set aside money annually to cover the cost of qualified medical expenses. It’s a lot like a savings account but used for qualified health-related costs. FSAs work on an annual plan year basis and are funded through regular payroll deductions on a pre-tax basis. Contribution toward the cost of coverage for your Domestic Partner’s expenses under the FSA are
generally not considered qualifying medical expenses.
Dental - Guardian
We offer a comprehensive PPO plan through Guardian. Visit Guardian.com to find an in-network provider near you
Vision - Guardian
We offer a comprehensive Full Feature vision care benefit plan through Guardian. You can visit any one of Vision Service Plan’s (VSP) network locations or visit Guardian.com to find In-Network providers and to view claims. Coverage is offered through Guardian.
Life and Accidental Death & Dismemberment- Guardian
Coho Services provides you with employee life and accidental death and dismemberment (AD&D) insurance coverage at no cost to you.
Coverage is provided through Guardian. Premium is 100% employer paid.
Life insurance pays your beneficiary a benefit should you die, and AD&D insurance pays a benefit should your death result from an accident or if you are severely injured in an accident.
• Your amount of group Life Insurance is an amount equal to 1 time your annual earnings, up to a maximum of $100,000.
• Your amount of group Life Insurance is a flat amount.
• Your amount of group Accidental Death & Dismemberment is an amount equal to 2 times your annual earnings, up to a maximum of $200,000.
Benefits are reduced at Age 65, Age 70 and Age 75.
Please contact HR or email HR@cohoserv.com to ensure your beneficiary is up to date.
Long Term Disability - Guardian
A long-term disability is an illness or injury that prevents you from working for an extended period of time.
Long-Term Disability benefits are provided to employees in eligible management positions.
Premium is 100% employer paid
OR Paid Family Medical Leave
For Oregon Residents Only*
Paid Leave Oregon is a new program that ensures individuals, employers, and families of every kind have the time and support they need to care for themselves and their loved ones when they need it most.
What benefits does Paid Leave offer to employees?
• Paid Leave lets employees take paid time off when many of life’s most important moments impact our families, health, and safety.
• Employees can take up to 12 weeks paid leave in a 52-week period (starting from the day leave begins) for family, medical, or safe leave. If pregnant, in some situations, an employee may be able to take up to 2 more weeks for a total of 14 weeks.
• Employees can choose when and how to take the time off.
• Paid Leave pays employees a percentage of their wages while they’re on leave.
• Paid leave protects an employee’s job and role if they’ve worked for the same employer for at least 90 consecutive days.
• Large employers pay 40% of the 1% contribution rate (the amount you pay into the program), and employees pay 60% of the 1% total contribution rate.
• Learn more about Paid Leave Oregon online by visiting https://paidleave.oregon.gov/.
WA Paid Family Medical Leave
Paid Family and Medical Leave (PFML) is a benefit for Washington workers. It’s here for you when a serious health condition prevents you from working or when you need time to care for a family member, bond with a new child or spend time with a family member preparing for military service overseas. Paid time off. Peace of mind.
Paid Family and Medical Leave lets you take paid time off when you need it most, offering stability and peace of mind so you can focus on what matters. This benefit provides paid leave for an employee’s serious health condition or for a member of their family.
Coverage is paid by Washington State’s Employment Security Department (WAESD), which is funded through premiums paid by both the employee andCoho Services.
Learn more about WA PFML by visiting https://paidleave.wa.gov/
Additional Benefits
Employee Assistance Program (EAP) – Available to All employees (Part time & Full Time) - Canopy
EAP offers free and confidential benefit that can assist you and your eligible family members with any personal problems, large or small.
Personal Consultation with an EAP Professional - Three counseling sessions face to face, over the phone or online for concerns such as:
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Marital Conflict
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Conflict at work
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Depression
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Stress Management
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Family Relationships
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Anxiety
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Alcohol or drug abuse
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Grieving a loss
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Career development services
Resources for Life - Info and help related to Eldercare, Childcare, identity theft and more.
Legal Consultations/Mediation - free 30 min office or telephone consultation. Plus a 25% discount from the attorney's/mediator's normal hourly rate is available thereafter.
Financial Coaching - unlimited financial coaching to help develop better spending habits, reduce debt, improve credit, increase savings, and plan for retirement.
Home Ownership Program - assistance and discounts for buying, selling and refinancing.
Pet Parent Resources - Free pet information and support, including pet insurance discounts, new pet parent resources and bereavement support.
Wellbeing tools - fertility health support, online legal tools, will kit questionnaire, gym membership discounts
LifeBalance - discounts on outdoor adventures, travel, amusement, self--care, wellness resources and more.
Member site-
Access at my.canopywell.com and register as a new user or log in. Enter CoHo Services for company name with you register.
Employee Discounts – Available to All employees (Part time & Full Time)
Employees are eligible to receive discounts at Company properties, subject to availability. Written reservation requests must be submitted no less than 2 and no more than 30 days in advance for hotel and restaurant visits. These request forms are available in the ADP Forms Library. The completed, signed, and approved form must be sent to the general manager of the property and a response or confirmation will be given to the employee within 48 hours. A driver’s license or other form of picture identification may be requested before a discount is approved.
Employees and their guests must be professional and courteous at all time when visiting any Company property. Any behavior that does not meet this standard will result in exclusion from the discount program and potential disciplinary action, up to and including termination.
The Company reserves the right to alter or discontinue any discount program at any time.
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Parking
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Employees may utilize the park and ride, and 24-hour shuttle service at the Radisson Hotel Portland Airport when traveling to and from the airport. Employees do not have to be a guest of the hotel to use this complimentary benefit. Contact the hotel for availability and reservations.
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Employees will receive a 50% discount off weekend and evening parking rates at Southpark Garage (914 SW Taylor, Portland, OR), subject to availability. Upon arrival, employees should inform the parking attendant of which Company property they work for.
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Employees and up to 3 guests may dine at any of the Company’s restaurants (Lakeside Bar & Grill, Southpark Seafood, Hudson’s Bar & Grill) at a 25% discount, excluding alcohol and gratuities.
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Employees and their immediate family members (spouse, children, grandchildren, siblings, parents or grandparents) are eligible to receive the current friends and family rate being offered by the Company’s hotels (Radisson Hotel Portland Airport, The Heathman Lodge). All rates are subject to applicable taxes and fees.
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Employees may receive a 50% reduction of the tennis initiation fee or 100% reduction of the fitness initiation fee at West Hills Racquet and Fitness Club or Mountain Park Racquet Club.
Cost of Coverage
