In addition to the offer letter you received, please download the following 2 files and return both prior

Licensing (PDF)
This file is required for licensing purposes. It is a electronic form. Please complete electronically and return to connie@afsi.net as soon as possible.

Human Resources (PDF)
This file is required for human resoures purposes. It can not be completed electronically. Please download, complete and fax to 401-851-5548 (this goes directly to connie’s e-mail inbox) as soon as possible. Please return the originals in person or by mail prior to your start to:

Connie Rybacki
Advanced Financial Services
25 Enterprise Center
Middletown, Rhode Island 02842

If you have any questions, please call Connie at 846-3100 x3307.

MEDICAL INSURANCE & VISION COVERAGE
For 2009, AFS is happy to announce that we are remaining with Blue Cross & Blue Shield of RI. While we will incur increases in premiums, we are very satisfied that we were able to negotiate the lowest possible rates for the best coverage available. Our group plan offers comprehensive coverage for office visits, hospitalization, surgery, lab, x-rays, prescriptions, emergency room services, mental health and substance abuse treatment.

Blue Cross provides coverage for one routine eye exam per calendar year. AFS will also reimburse each covered member up to $100 per year for eye glasses or contact lenses (reimbursement is through Primarily Care).
BC/BS Benefits Summary BC/BS Benefits Mandate 2009 VisionEye Program Pharmacy Benefits Medical Coverage Grid

DENTAL INSURANCE
Delta Dental provides for preventative care, basic procedures, and major procedures with a maximum calendar year benefit of $2,000 per covered individual. Delta Dental also offers coverage for orthodontic expenses for dependent children with a lifetime maximum benefit of $1,000.

FLEXIBLE SPENDING ACCOUNTS
This benefit allows for setting aside a portion of pay for un-reimbursed health care, dependent care, and/or transportation expenses. FSA contributions are not subject to income taxes. The maximum amount you can contribute to a medial FSA is $3,000 per year. The maximum you can contribute to a dependent care FSA is $5,000 per year.

GROUP TERM LIFE
This policy, with Lincoln Financial, provides group term life insurance and accidental death and dismemberment insurance each in an amount equal to your gross annual earnings (salary plus commission, if applicable). Dependent coverage is also provided in the amount of $5,000 for a spouse and $2,000 for each child. AFS pays 100% of the cost of this coverage.

LONG TERM DISABILITY
This policy, with Lincoln Financial, will pay a benefit equal to 66/67% of your monthly earnings after a ninety day waiting period. AFS pays 100% of the cost of this benefit.

VOLUNTARY LIFE INSURANCE
Lincoln Financial will guarantee coverage for up to two times your annual salary at low group rates. If the amount you elect is greater than the guaranteed issue, an application will be required. Subsequently, medical underwriting may be required. The maximum coverage allowed is five times annual earnings or $500,000 whichever is less. The maximum coverage allowed for your spouse is 50% of your elected/approved coverage amount.

SHORT TERM DISABILITY INSURANCE
This policy, with Lincoln Financial, will pay a benefit equal to 60% of your basic weekly earnings (including bonuses and commissions, where applicable). The maximum benefit is $1,500 per week. The cost of this coverage will vary depending on your age. There is a pre-existing condition limitation clause. This coverage will benefit those RI employees earning over $56,500 per year and all of those employees working outside of RI.