K&D Benefits

K&D is committed to providing the finest in health and welfare programs to ensure total well-being for our employees and their families. All full-time employees are eligible to participate in the benefits plans on the first of the month after 30 days of employment. The following is a summary of K&D sponsored voluntary benefits.

401K
K&D offers a 401(K) retirement plan through Empower (formerly Great West Financial). You are eligible to participate in the 401(K) on the first of the month after 30 days of employment and attained age 18. If you miss the initial enrollment date you can enroll on the 1st day each month thereafter. K&D offers a match of 25% of your deferrals up to 5% of your gross pay. The match is subject to a vesting schedule.

MEDICAL
All eligible employees are able to enroll in the medical coverage through Anthem BC/BS. The insurance is effective the first of the month after 30 days of employment. A detailed summary of the plan can be obtained from Human Resources.

DENTAL
All eligible employees are able to enroll in dental coverage through Guardian Dental. The insurance is effective the first of the month after 30 days of employment. A detailed summary of the plan can be obtained from Human Resources.

VISION
All eligible employees are able to enroll in the vision insurance plan through Guardian Vision. The insurance is effective on the first of the month after 30 days of employment. A detailed summary of the plan can be obtained from Human Resources.

LIFE AND AD&D (FREE)
All employees are able to enroll in life insurance coverage through Guardian Life. The group benefit is $15,000. The benefit also provides for accidental death and dismemberment coverage equal to the life limit. K&D pays for the insurance premium.

OPTIONAL LIFE/AD&D
The employee can elect optional life for themselves and dependents through Guardian Life. The employee is responsible for 100% of the premium. Employee coverage is available in $10,000 increments up to a maximum of $500,000. Spouse coverage is available in $5,000 increments-maximum cannot exceed 50% of employee optional life benefits for $50,000, whichever is less. Dependent child coverage is available for $10,000.

VOLUNTARY SHORT TERM DISABILITY
The employee can elect Short Term Disability coverage through Guardian Life. The employee is responsible for 100% of the premium. The benefit provides 60% of the employee’s basic weekly earnings, up to $1,000 maximum. Benefits are payable after 1 day for an accident or 8 days after a sickness and will continue for a maximum of 26 weeks.

VOLUNTARY LONG TERM DISABILITY
The employee can elect Long Term Disability coverage through Guardian Life. The employee is responsible for 100% of the premium. The benefit provides 60% of the employee’s basic monthly earnings up to $5,000. Benefits are payable after 180 days of sickness and will continue up to age 65 or Social Security Normal Retirement Age (whichever is later).

VOLUNTARY CRITICAL ILLNESS AND ACCIDENT COVERAGE
The employee can elect Critical Illness and/or Accident coverage through Guardian Life for themselves, spouses and dependents. The employee is responsible for 100% of the premium.