to which you may be entitled as an Employee of LHD. Please understand that this general explanation is not intended to, nor does it, provide you with all the details of these benefits. Therefore, this Handbook does not change nor otherwise interpret the terms of the official plan documents. Your rights can be determined only by referring to the full text of the official plan documents, which are available for your examination. To the extent that any of the information contained in this Handbook is inconsistent with the official plan documents, the provisions of the official documents will govern in all cases. Employees are eligible for benefits the first of the month following 30 days of employment except as noted below with the 401(k) Plan. Medical Coverage LHD offers medical coverage for employees and their dependents. Employees may elect the medical plan for themselves and their dependents. Please contact Human Resources for additional information. Vision Coverage For those employees that elect to participate in the LHD group medical policy, there is an included vision benefit. Please contact Human Resources for additional information. Dental Coverage LHD offers voluntary dental coverage for employees and their dependents. The program has network only benefits. Please contact Human Resources for additional information. Health Savings Accounts LHD employees can open a health savings account to help pay for costs such as: expenses for medical plan co-payments, deductibles, prescriptions, and physician visits. If an employee does not use all the money in their health savings account in a given year, the amount rolls over into the next year. Please contact Human Resources for additional information. Life Insurance BASIC LIFE If you are a regular full-time employee of LHD, you are covered by our Group Life Insurance in the amount of $50,000. This coverage is provided at no cost by the company. Payment will be made in a lump sum or in installments to the beneficiary, as designated by you. You may change your beneficiary whenever you wish by submitting the appropriate documents to Human Resources. Please refer to plan documents for details on your life insurance coverage. Please contact Human Resources for additional information. VOLUNTARY LIFE In addition to the company paid Basic life insurance, employees have the option to purchase additional life insurance coverage. The voluntary life insurance plan is Employee paid. This additional life insurance is available for employees, their spouses, and their children. Please contact Human Resources for additional information. BACK TO TABLE OF CONTENTS | 31