Insure your future

ELIGIBILITY: Full-time Flight Attendants on the first day of the month following 90 days of employment.

- 401(k)
The Pinnacle Airlines Savings Plan offers you a way to save for retirement with the help of the Company, through pre-tax contributions to the 401(k) Retirement Savings Plan. Flight Attendants are immediately eligible to participate in the 401(k). . You may contribute through convenient payroll deductions 100% of your salary up to the annual IRS allowed maximum. Consider this as FREE MONEY, since the Company matches 100% of your first 3% contribution and 67% of the next 3% contribution, and you are 100% immediately vested.

- MEDICAL INSURANCE

Single High Option
The calendar year deductible is $150/person and $200 out-of-network. You pay 10% of any services incurred in-network, except for in-network office visits for which you are responsible for a co-pay of $15. Note that if you incur any out-of-network expenses, you are responsible for 40% of the usual and customary cost and all of the over the usual and customary cost. The combined out-of-pocket calendar year maximum for both in and out-of-network expenses is $1,350/person. The monthly cost for Single Medical coverage under the High Option plan is $40 for non-tobacco users and $80 for tobacco users.

Family High Option
The calendar year deductible is $150/person (maximum $300/family) in-network and $200/person (maximum $500/family) out-of-network. You pay 10% of any services incurred in-network, except for in-network office visits for which you are responsible for a co-pay of $15. Note that if you incur any out-of-network expenses, you are responsible for 40% of the usual and customary cost and all of the over the usual and customary cost. The combined out-of-pocket calendar year maximum for both in and out-of-network expenses is $1,350/person; $2,700/family. The monthly cost for Family Medical coverage under the High Option plan is:

Single Basic Option
The calendar year deductible is $300/person in-network and $500/person out-of-network. You pay 20% of any services incurred in-network, except for in-network office visits for which you are responsible for a co-pay of $20. Note that if you incur any out-of-network expenses, you are responsible for 40% of the usual and customary cost and all of the over the usual and customary cost. The combined out-of-pocket calendar year maximum for both in and out-of-network expenses is $1,800/person. The monthly cost for Single Medical coverage under the Basic Option plan is $5 for non-tobacco users and $45 for tobacco users.

Family Basic Option
The calendar year deductible is $300/person (maximum $700/Family) in-network and $500/person (maximum $1,500/family) out-of-network. You pay 20% of any services incurred in-network, except for in-network office visits for which you are responsible for a co-pay of $20. Note that if you incur any out-of-network expenses, you are responsible for 40% of the usual and customary cost and all of the over the usual and customary cost. The combined out-of-pocket calendar year maximum for both in and out-of-network expenses is $1,800/person; $3,600/family. The monthly cost for Family Medical coverage under the Basic Option plan is:

Catastrophic Option
The calendar year deductible is $1,000/person (maximum $2,300/family). After the deductible is paid, you pay 30% of all incurred costs to a maximum of $3,000/person; $6,000/family. The monthly cost for the Catastrophic Option is:

Waiver of Coverage
Employees who waive medical coverage and provide proof of other medical coverage, will receive an extra $18.46 per bi-weekly pay period and $20.00 per semi-monthly pay period.

- DENTAL

Single High Option
Preventive and Diagnostic procedures such as cleanings and x-rays are covered at 100%. Minor (oral surgery, perio/endodontics) and Major Restorative (crowns, inlays, onlays, dentures and bridges) procedures are covered at 80% and 60%, respectively for which there is a $50 per person combined deductible. The calendar year maximum for all of these services is $1,500/person. The cost for Single Dental coverage under the High Option plan is currently $6.00 per bi-weekly pay period and $6.50 per semi-monthly pay period.

Family High Option
Preventive and Diagnostic procedures such as cleanings and x-rays are covered at 100%. Minor (oral surgery, perio/endodontics) and Major Restorative (crowns, inlays, onlays, dentures and bridges) procedures are covered at 80% and 60%, respectively for which there is a $50 per person combined deductible. The calendar year maximum for all of these services is $1,500/person. Orthodontia is covered at 50% to a maximum lifetime benefit of $1,500 for dependent children up to age 19. The cost for Family Dental coverage under the High Option plan is currently $17.54 bi-weekly and $19.00 semi-monthly.

Single Basic Option
Preventive and Diagnostic procedures such as cleanings and x-rays are covered at 100%. Minor (oral surgery, perio/endodontics) and Major Restorative (crowns, inlays, onlays, dentures and bridges) procedures are covered at 80% and 50%, respectively for which there is a $75 per person combined deductible. The calendar year maximum for all of these services is $1,000/person. The cost for Single Dental coverage under the Basic Option plan is currently $1.38 bi-weekly and $1.50 semi-monthly.

Family Basic Option
Preventive and Diagnostic Procedures such as cleanings and x-rays are covered at 100%. Minor (oral surgery, perio/endodontics) and Major Restorative (crowns, inlays, onlays, dentures and bridges) procedures are covered at 80% and 50%, respectively for which there is a $75 per person combined deductible. The calendar year maximum for all of these services is $1,000/person. The cost for Family Dental coverage under the Basic Option plan currently is $6.00 bi-weekly and $6.50 semi-monthly.

Catastrophic Option
Preventive and Diagnostic Procedures such as cleanings and x-rays are covered at 100%. Minor procedures such as oral surgery, perio/endodontics are covered at 80% with a $100 per person deductible. The calendar year maximum for all services is $500/person. The cost for Dental coverage under the Catastrophic Option plan is paid by your employer. Employees who elect the Catastrophic option for single coverage will receive an extra $6.00 per month.

- LIFE

As a full-time employee, you have Group Term Life insurance in the amount of one times annual base earnings. The premium cost for this benefit is paid by your employer. You may elect a reduced benefit option of $7,500 and use this extra money to purchase additional benefits or receive extra money in your paycheck. Please ensure to update your beneficiary designation with the HR department if any changes are required.

Part-time employees have Group Term Life insurance in the amount of $2,000. The premium cost for this benefit is paid by your employer. Please update your beneficiary designation with the HR department if any changes are required.

SUPPLEMENTAL LIFE**
Supplemental Life insurance is available through Reliastar (ING). This is a voluntary group term life program sponsored by your employer, and premiums are paid to the insurer via payroll deduction. Please update your beneficiary designation with the HR department if any changes are required.

SUPPLEMENTAL SPOUSAL LIFE**
Supplemental Spousal Life insurance is available through Reliastar (ING). This is a voluntary group term life program sponsored by your employer and premiums are paid to the insurer via payroll deduction. You are automatically the beneficiary for spouse life insurance benefit proceeds.

SUPPLEMENTAL CHILD/DEPENDENT LIFE**
Supplemental Child/Dependent Life insurance is available through Reliastar (ING). This is a voluntary group term life program sponsored by your employer and premiums are paid to the insurer via payroll deduction. You are automatically the beneficiary for child/dependent life insurance benefit proceeds.

LONG-TERM DISABILITY
If you become disabled and are unable to work due to illness or injury, you may potentially qualify for Long Term Disability benefits and will receive 60% of your basic monthly earnings up to the plan maximum. The premium cost for this coverage is paid by your employer and benefits payable to you are taxable as income.

- FLEXIBLE SPENDING ACCOUNTS**

Dependent Care
The Dependent Care Flexible Spending Account allows a participant to reduce taxable income and use that amount to pay all or part of his/her Dependent Care expenses. This plan has a $120 minimum contribution per year to a maximum of $5,000 per plan. Please note that any money left in your account at the end of the plan year will be forfeited, so plan your expenditures accordingly. You cannot make any changes in your contribution elections during the year unless there is a relevant change in your family status, such as marriage, divorce, death or birth/adoption of a child.

Medical FSA
The Medical Flexible Spending Account allows a participant to pay for uninsured Medical Expenses (expenses not covered by insurance or any other group benefits) on a pre-tax basis. This plan has a $120 minimum contribution per year to a maximum of $5,000 per plan. Please note that any money left in your account at the end of the plan year will be forfeited, so plan your expenditures accordingly. You cannot make any changes in your contribution elections during the year unless there is a relevant change in your family status, such as marriage, divorce, death or birth/adoption of a child.

- VISION DISCOUNT
Employees enrolled in medical coverage will automatically receive a Vision Discount through Coast to Coast Vision. You can save 20% to 60% on glasses and contact lenses (excluding disposables) at over 10,000 retail optical locations nationwide. The premium cost of this benefit is paid by your employer.

VISION PLAN *
The Vision plan is provided through Spectera. The cost for Single/Family coverage is $7.70/$19.45 per month. If you use a network provider, you and each eligible member of your family are covered for one exam and one pair of lenses or contacts per 12-month period, within Spectera’s guidelines. Frames are covered at 100% every 24 months (again, within certain guidelines). There is a $10 copayment for exams and materials.

- VOLUNTARY SHORT-TERM DISABILITY **
Voluntary Short-Term Disability coverage is available through Kanawha Insurance Company. If you are disabled due to accident or sickness and unable to work for 30 days, you may qualify for your selected monthly benefit. Benefits are payable to a maximum period of 6 months.

- UNIVERSAL LIFE INSURANCE *
Universal Life insurance is available through Reliastar (ING). This coverage provides a death benefit to your beneficiary while allowing a cash value to accumulate. Premiums are paid to the insurer through payroll deduction.

- CRITICAL ILLNESS INSURANCE *
The Voluntary Critical Illness Insurance plan is sponsored by your employer. Premiums are paid to the insurer for this coverage via payroll deduction.

- GROUP LEGAL SERVICES PLAN *
The Voluntary Hyatt Legal Plan is available at a monthly cost of $17.00. Premiums are paid to the insurer through payroll deduction.

- VETERINARY PET INSURANCE *
Voluntary Veterinary Pet insurance is available through MetLife. Premiums are paid to the insurer via payroll deduction.

- METLIFE AUTO/HOME (METPAY) *
You may purchase your Homeowner/Auto insurance through MetLife and pay the premiums for this coverage via convenient payroll deduction (MetPay).

* Available to part-time employees on the first of the month following 90 days of employment.

** Not available to part-time employees.