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fA Package of FlexibleBenefitsAPL’s distinctive flexible benefits programallows you to choose certain types and levelsof medical, dental, life, legal services, anddisability benefits with before-tax and after-taxdollars. The program also includes two tax-freespending accounts for qualified health care anddependent care expenses. Your benefits fallinto three categories—automatic, personal, andlegislated.AutomaticEach eligible staff member automaticallyreceives the following benefits, fully paid bythe Laboratory: all types of leave, pensionplan contributions, $50,000 of life insurance,short-term disability coverage, accidentaldeath insurance, and travel accident insurancecoverage. Automatic benefits also includeeducational assistance, recreational programs,and an employee assistance program.PersonalYou have a choice of various personal benefitsthat allow you to tailor a program to meet yourindividual needs. You may obtain these benefitswith tax-free credits provided yearly by theLaboratory or with your own before-tax andafter-tax dollars. If you do not elect to use all ofthe credits to obtain the benefit options, you mayconvert those credits to additional taxable pay.APL offers the Allegiance Open Access Plus(OAP) medical plan. With this plan, you are ableto choose between two levels of coverage eachtime you seek medical care.