Wellness Center

Company Benefits

SMECO offers a competitive benefits package to meet the needs of its employees.

Benefits Eligibility:

  • Management employees are eligible on first day of hire and bargaining unit employees are eligible on the first of the month following the date of hire

Medical Plan:

  • Consumer-driven high-deductible health plan with Health Savings Account
  • PPO Medical and prescription plan
  • Employer pays 75 percent of premiums

Dental Plan:

  • SMECO offers a PPO dental plan
  • Provides coverage for Class I, II, III, and orthodontic procedures
  • Employer pays 75 percent of premiums

Vision Plan:

  • Coverage provides for an annual eye exam and allowances for lenses and frames
  • Premiums are paid by SMECO

Flexible Spending Accounts:

  • A Health Care Reimbursement Account allows you to contribute pre-tax dollars to pay for eligible out-of-pocket health care expenses
  • A Dependent Care Reimbursement Account allows you to contribute pre-tax funds to pay for anticipated day care expenses incurred while you are at work
  • Access to funds through a special debit card or manual reimbursement through direct deposit

Long-Term Disability:

  • Provides a regular monthly income to an insured employee who is totally disabled for an extended period as a result of a covered injury or illness
  • Premiums are paid by SMECO

Optional Disability Programs:

  • Policies for cancer, personal short-term disability, accident, sickness, and critical care are offered through AFLAC
  • Premiums are paid 100 percent by the employee

Life Insurance:

  • Bargaining unit employees may elect coverage for 2 times their salary and management employees may elect coverage up to 3 times their salary
  • Coverage is available for dependents
  • Premiums are paid by employee
  • Individual policies can be purchased through group pricing with TransAmerica

Accidental Death & Dismemberment (AD&D):

  • This coverage is an attached rider to the group life insurance coverage
  • Premiums are paid by SMECO

Business Travel Accident Insurance:

  • Benefits are payable for any accidental death which occurs while a covered person is traveling away from SMECO premises on authorized SMECO business
  • Premiums are paid by SMECO

401(k) Retirement Savings:

  • Employees can defer a percentage of their annual income, pre-tax, post-tax, or a combination of both (within IRS guidelines)
  • SMECO contributes a non-elective contribution to all employees
  • Management employees receive up to a 6 percent match

Section 125 Plan:

  • Employees will have insurance premiums deducted on a pre-tax basis

Employee Assistance Program:

  • This provides confidential and professional assessment and referral service to employees who are experiencing personal/medical problems that affect their work performance
  • Eligible dependents are also covered

Employee Wellness Program:

  • SMECO offers seminars and programs promoting a healthier lifestyle
  • Many programs are offered during working hours

Paid Holidays:

  • SMECO offers 12 paid holidays throughout the year

Paid Leave:

  • Employees earn both annual leave and sick leave
  • The amount earned depends on years of service within the organization

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