About Baltimore Medical System's Benefits

Available to all employees who work at least 20 hours per week.

Baltimore Medical System offers a variety of benefits to fit your lifestyle. Employees are eligible for the following benefits on the first of the month following 90 days of employment:

• Comprehensive Medical Insurance, choice of HMO or POS
• Comprehensive Dental Insurance, choice of Dental HMO and Dental PPO
• Basic Life Insurance - company paid
• Short-Term Disability - company paid
• Long-Term Disability - company paid
• Catastrophic Illness Benefit - company paid
• Health Care Flexible Spending Account
• Dependent Care Flexible Spending Account

BMS also offers several additional benefits which employees are eligible to participate in the 1st of the month following date of hire. These benefits include:

• Vision Insurance
• Legal Insurance
• Supplemental Life Insurance
• Credit Union Membership
• 403 (b) Retirement Program with Company Match
• Employee Assistance Program (EAP)

Additionally, BMS offers a generous Paid Annual Leave Program and provides 8 paid holidays per year.

BMS is committed to employee enrichment and career development and offers a variety of training opportunities, as well as tuition reimbursement up to $2,500 annually.

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BMS has learned that certain funds in our 403(b) plan intend to impose a redemption fee. These fees will be returned to the respective fund and shared among remaining holders. The funds imposing redemption fees and the rate for each fund are shown below. The redemption fee rate will be imposed on shares held less than 7 days. This information is in summary format only. You should consult each fundÕs prospectus for complete details on the new fees.