As a wholly owned subsidiary of PC Connection, Inc., MoreDirect provides its employees a wide range of benefits aimed at improving their quality of life. We know compensation is important, but we're also committed to a "total rewards" strategy of offering comprehensive benefits, professional development, and a positive work environment.
If you have questions, feel free to contact your human resources recruiter.
Benefit Choices for Today & Tomorrow
We are committed to our "total rewards" strategy of offering comprehensive benefits, competitive pay, professional development, and a positive work environment. An integral part of this commitment is our comprehensive and flexible benefits program - FlexConnection. Designed to meet the needs of a diverse workforce, this program lets you customize your benefits to meet your individual needs.
Eligibility: Full-time employees (34 hours per week) and eligible dependents can participate on the first of the month following one full month of continuous employment.
Choosing a medical plan for yourself and your family is a personal decision based on your specific needs. This is why PC Connection offers a choice between two different medical plans. These plans offer comprehensive health care services with varying levels of benefits. You can select the plan that best meets the needs of you and your family.
Both plans provide prescription drug benefits and promote wellness as part of their benefits. The main differences between these plans are the deductibles, co-insurance amounts, out-of-pocket maximums, and plan costs.
Medical plans available for your selection:
Open Access Aetna Select HMO - The HMO plan provides benefits only when care is received from providers within the HMO network. Out-of-network coverage is available in life-threatening, emergency situations only.
High Deductible Open Access Aetna Select HMO - This HMO plan, when combined with a Health Savings Account (HSA), provides insurance coverage and a tax-advantaged way to help save for future medical expenses. Compared to traditional health plans, High Deductible Health Plans have lower employee contributions but higher deductibles and higher maximum out-of-pockets.
Health Savings Account
Participants in an HDHP who have no other medical coverage may contribute up to the amount of the deductible ($3,050 for individual coverage, $6,150 for family coverage) to a Health Savings Account (HSA). In 2010 PC Connection will contribute $20 per month to a HSA for every active participant in the High Deductible Aetna Select (HDHP/HMO) plan who is eligible to participate in an HSA. The HSA is similar to a flexible spending account, in that you contribute pre-tax dollars to pay for eligible medical expenses. However, unused money can be rolled over, and is tax-free as long as it is used for medical expenses, even if you switch to another medical plan next year or no longer work for the company. Full-year participants who are age 55-65 can contribute an additional $1,000 in catch-up contributions in addition to the amount of the deductible.
When you enroll in a FlexConnection medical plan, you will automatically receive prescription drug benefits. All medical plans offer the same prescription drug benefits through the CVS/Caremark Retail Pharmacy Network. Most major pharmacies - CVS, Walgreens, Rite-Aid, and Wal-Mart - are part of the CVS/Caremark network. You can purchase a 30-day supply for generic, preferred brand name drugs or non-preferred brand name drugs at varying co-payment amounts. The prescription drug benefit also offers a mail-order program for a 90-day supply of maintenance drugs - the cost will be twice the amount paid for a 30-day supply.
We offer a standalone Vision Plan that covers eyeglasses and contact lenses in addition to a vision exam. Vision care is provided through the Vision Service Plan (VSP) - a national network of vision care providers. Although you may visit any vision doctor, your benefits may be greater if you select an in-network provider.
FlexConnection offers two dental plans: the Value Plan and the enhanced Premier Plan. Both plans offer in-network and out-of-network benefits and comprehensive dental coverage.
Delta Value Dental Plan - From participating dentists, you will receive 100% coverage for preventive services, including one routine cleaning and oral examination every 6 months. Basic services, such as fillings, root canals, and extractions are covered at 80%. Major services, such as bridges, crowns, and dentures are covered at 50%. The annual deductible is $50 for individual coverage and $150 for family coverage. The annual deductible does not apply to routine cleanings and examinations. The Value Dental Plan does not provide orthodontia coverage.
Delta Premier Dental Plan - From participating dentists, you will receive 100% coverage for preventative services, including one routine cleaning and oral examination every 6 months. Basic services, such as fillings, root canals, and extractions are covered at 80%. Major services, such as bridges, crowns, and dentures are covered at 60%. The annual deductible is $25 for individual coverage and $75 for family coverage. The annual deductible does not apply to routine cleanings and examinations. The Premier Plan provides orthodontia coverage for children up to age 19.
Reimbursement Accounts are a great way to save by paying eligible health care and dependent care expenses with pre-tax dollars. You can participate in two flexible spending accounts: the Health Care Reimbursement Account and the Dependent Care Reimbursement Account.
Health Care Reimbursement Account - You can set aside up to $3,000 on a pre-tax basis each calendar year in a Health Care Reimbursement Account to pay for eligible non-reimbursed health care expenses, including deductibles, medical and dental co-payments, and vision care.
Dependent Care Reimbursement Account - You can set aside up to $5,000 on a pre-tax basis each calendar year in a Dependent Care Reimbursement Account to pay for eligible dependent care expenses, including childcare and eldercare services.
Limited Expense Flexible Spending Account - This account is similar to the Health Care Reimbursement Account, except it is for dental and vision expenses only, and it is available only to participants in the High Deductible Health Plan.
MoreDirect and PC Connection, Inc. are committed to ensuring that your family members are provided with financial security in the event of death. With FlexConnection, Basic Life and AD&D Insurance are considered a core benefit and paid at 100% by the company. Because each of us has different insurance needs - you will also have the choice of purchasing additional life insurance for both you and your family members with the Portable Family Term Life Insurance Program.
Basic Employee Life and AD&D - As part of FlexConnection's core plan, you receive Basic employee life and AD&D insurance in the amount of 2 times your annual base rate and prior-year commission earnings at no cost to you. Maximum benefit is $800,000.
Employee Portable Family Life and AD&D - You can choose from $20,000 to $500,000 ($250,000 for AD&D) of additional life insurance coverage for yourself in $10,000 increments.
Spouse Portable Family Life and AD&D - You can choose from $20,000 to $500,000 ($250,000 for AD&D) of additional life insurance coverage for your spouse in $10,000 increments.
Child(ren) Portable Family Life - $10,000 of coverage for each child up to age 19 (or 25 if full-time student).
FlexConnection's disability plans offer income replacement to provide financial protection for you and your family if you can't work over a temporary period of time because of illness, pregnancy, or injury. PC Connection, Inc. provides basic Short-Term and Long-Term Disability coverage at no cost to you. However, you have the option to increase your Short-Term and Long-Term Disability benefits by enrolling in the Premier Plans.
Short-Term Disability Plans
Long-Term Disability Plans
Basic Value Plan - Pays a benefit equal to 60% of your basic weekly earnings. The weekly benefit maximum is $1,000 and is payable through 26 weeks of disability. PC Connection, Inc. pays the full cost of the basic plan.
Premier Plan - Pays a benefit equal to 70% of your basic weekly earnings. The weekly benefit maximum is $3,500 and is payable through 26 weeks of disability. You pay only the difference between the Company-provided Basic Value Plan and the cost of the Premier Plan.
Basic Value Plan - After 26 weeks of disability, the basic plan pays a benefit equal to 60% of your basic monthly earnings. The monthly benefit maximum is $10,000. PC Connection, Inc. pays the full cost of the basic plan.
Premier Plan - After 26 weeks of disability, the enhanced plan pays a benefit equal to 66.67% of your basic monthly earnings. The monthly benefit maximum is $15,000. You pay only the difference between the Company-provided Basic Value Plan and the cost of the Premier Plan.
Financial & Retirement Benefits
PC Connection, Inc. 401(k) and Profit Sharing Plan
Regardless of your age, you've probably developed some long-term financial goals. 401(k) contributions allow you to plan for your financial security and build your savings for retirement. Here are some key features of our 401(k) plan:
You can contribute from 1 to 60 percent of your eligible compensation on a pre-tax basis up to the IRS maximum of $16,500 for the 2010 calendar year.
You can choose from a selection of diverse funds or an individual brokerage account (for an additional fee).
Eligibility - The 1st of each month upon completion of one full month of service and the attainment of age 18.
Employee Stock Purchase Plan (ESPP)
This is an opportunity to share in the success and future of the company. Here are some key features of the ESPP:
You can contribute from 1 to 10 percent of your eligible compensation on an after-tax basis to purchase PC Connection, Inc. stock.
The purchase price is equal to 95% of the closing stock price on the last business day of the plan period.
You can change your contribution percentage at the beginning of each plan period and once during the plan period. You may also suspend deductions prior to the end of the plan period.
Eligibility - On July 1 or January 1 upon the completion of six months of service.
Long-Term Care Insurance
This plan is designed to help off-set the cost of care for someone with severe cognitive impairment or the inability to perform the activities of daily living: bathing, dressing, eating, toileting, transferring, and continence. Services may be provided at home or in a facility. Employees who enroll when first eligible are guaranteed acceptance. You can also extend coverage to qualified family members (such as a spouse, civil union partner, sibling, parent, or grandparent). They will need to provide evidence of good health satisfactory to Prudential. If you change jobs or retire, you can take your coverage with you.
You can save up to 10% on insurance for automobiles, boats, and homeowners/renters all through the convenience of payroll deductions. You may also save more with money-saving discounts on anti-theft and safety devices, driver safety courses, etc.
Group Legal Services
Provides legal advice at affordable group rates through participating attorneys in the areas of will and estate planning, family law, documentation preparation, advice, and consultation.
Pet owners can visit any licensed veterinarian worldwide, including specialists and hospitals. Rates are based on the age, species of the pet and the plan type selected.
Employee Discount Programs
Employee Store - discounts on many of the products and systems sold by PC Connection, Inc.
Work/Life Program Benefits
PC Connection, Inc. ("PC Connection") wants to help you meet the demands you face on the job and that life brings your way. We offer benefits to help you enjoy and manage responsibilities at work and at home. We can help you stay healthy, have fun, plan for your future, take a break, and get help if you need it. PC Connection makes it possible through our paid time off and work/life programs.
Paid Time Off
PC Connection, Inc. recognizes that time away from work can provide valuable psychological and physical benefits. A paid time off program provides employees with flexibility to schedule and manage personal time off needs. Paid time off accrues at the rate of 15 days per year (total combined vacation and sick time) and increases based on length of service. There are seven paid holidays: New Year's Day, Memorial Day, July 4, Labor Day, Thanksgiving, the Friday after Thanksgiving, and Christmas.
An annual $50 fitness reimbursement is provided toward a fitness/exercise program.
We know that extras can make a big difference in your job satisfaction. Check out the benefits our employees enjoy (site-specific)...
Direct deposit program
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IBM Employee Credit Union
Commuter Reimbursement Program
Important Disclaimer: This summary briefly describes various benefit plans, programs and employee services of PC Connection, Inc. Some programs have eligibility requirements, which must be met for participation. For detailed information on each of these programs or plans, please refer to the applicable information available in Human Resources. If there are any discrepancies, the formal contract, policy, or Plan Document will prevail. PC Connection, Inc. reserves the right to amend or cancel, at any time, the programs and services described above.