Insure your future

ELIGIBILITY: Pilots after six months of employment.

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. Pilots are eligible to participate in the 401(k) after six months of employment with an effective date as of January 1, April 1, July 1, or October 1. You may contribute up to 16% of your salary through convenient payroll deductions. Consider this as FREE MONEY, since the Company matches a percent of every dollar you contribute based on your Years of Service, as follows:

MEDICAL/DENTAL

Single Coverage
The calendar year deductible is $150/person in-network and $200/person 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 copay of $10. Note that if you incur any out-of-network expenses, you are responsible for 40% of the cost. The combined out-of-pocket calendar year maximum for both in and out-of-network expenses is $1,700/person.

Dental coverage includes Preventive and Diagnostic procedures such as cleanings and x-rays 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 Medical/Dental coverage is currently 1% of salary up to a maximum of $30.00 per month.

Family Coverage
The calendar year deductible is $150/person (maximum $350/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 copay of $10. Note that if you incur any out-of-network expenses, you are responsible for 40% of the cost. The combined out-of-pocket calendar year maximum for both in and out-of-network expenses is $1,700/person.

Dental coverage includes Preventive and Diagnostic Procedures such as cleanings and x-rays 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 Medical/Dental coverage is currently $115 per month. This amount will increase by $5 per year for each year after May 1, 2002.

- LIFE

Pilots with less than one year of service are covered under the Group Term Life insurance in the amount of $10,000. Pilots with one or more years of service have Group Term Life insurance at one times their W-2 earnings to a maximum of $150,000. The premium cost for this benefit is paid by your employer. Please ensure to 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 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 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 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.

- LOSS OF LICENSE/DISABILITY COVERAGE

As a Pilot, certain medical conditions that result in your inability to operate aircraft are covered under this plan with UNUM. The premium for this coverage is paid for by your employer.

- 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 voluntary 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.

- UNIVERSAL LIFE INSURANCE

Universal Life insurance is voluntary and 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 MetLife Group Legal Services plan is available at a monthly cost of $16.50. 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).