Employee Benefits

IDS offers all employees an extensive benefits package including personal time-off, paid holidays and a guaranteed 401K contribution. IDS also offers all medical benefits at no cost for employees. Along with this, is a Cafeteria 125 Plan available, in which employees may utilize to pay for their dependants medical premiums with pretaxed dollars.

The IDS 401K plan is being administered by First Mercantile Trust. On-line management of accounts is available. In appreciation of our employees, IDS will automatically place 3% of earned gross income into each account. No matching is required.

1. MEDICAL INSURANCE:
Provider: Blue Cross
POS Option for CA employees
PPO Option for non-California employees (except Massachusetts)

2. DENTAL INSURANCE:
Provider: Delta Dental
DMO and DPO Options for CA employees
DPO option for non-California employees

3. VISION PLAN:
Provider:
Guardian VSP

4. LIFE INSURANCE:
Provider: Blue Cross
$15,000 Policy provided by IDS

5. SUPPLEMENTAL LIFE INSURANCE
Providers: Gaurdian and Aflac
Employees have the option to purchase additional life, cancer care, specified event, and accident insurance, and short term disability at discounted rates.

6. FLEXIBLE SPENDING ACCOUNTS
Provider: Aflac
Employees may elect to have a portion of salary withheld pretax and then submit expenses and be reimbursed for qualified expenditures throughout the year. This plan allows employees to avoid paying taxes on money spent for qualified health care and dependant care expenses.

7. DISABILITY INSURANCE:
Provider: Gaurdian
LONG TERM DISABILITY
SHORT TERM DISABILITY

8. 401(k) PLAN:
Provider: First Merchantile Trust
Employer contribution of 3% annually.
Employee may contribute up to $15,000 annually; catch up contributions allow for qualified participants.
Eligibility on first entry date after completion of six months of employment.
Four entry dates annually - January 1st, April 1st, July 1st, October 1st.

9. HOME MORTGAGE "CORPORATE ADVANTAGE PROGRAM” (CAP)
Provider: Wells Fargo Bank
Home financing on new purchases or refinances.

10. PERSONAL TIME
15 Days accrued annually; after 5 years of service, 20 days accrued annually.

11. HOLIDAYS
10 Days Annually (New Years Day, Martin Luther King Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans' Day, Thanksgiving and Christmas).