| Health Insurance: | Group Health Insurance Plan |
| Coverage becomes effective the first of the month following date of employment | |
| Premiums are payroll deducted from gross pay before taxes | |
| Life Insurance: | Harbin Clinic provides all full-time physicians with a $50,000 life insurance policy which becomes effective their first day of employment. The premium is assessed through the physicians direct expenses at a group discount. |
| Long-Term Disability Insurance: | All full-time physicians are eligible for long-term disability insurance coverage. The coverage becomes effective the first day of employment. Should a physician become totally disabled, the insurance would pay 60% of their salary up to a $25,000 monthly maximum to age 65. There is a 90 day waiting period before any benefits are paid. The premium is assessed through the physicians direct expenses at a group discount. |
| Savings & Profit Sharing Plan | Upon completion of one year of service you are eligible to participate in the Harbin Clinic Profit Sharing Plan. Enrollment dates are January 1, April 1, July 1 and October 1 with a six year vesting schedule. |