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Covered services from designated providersare covered at a higher level, often with smallcopayments; covered services received outsideof the designated provider network are coveredat a lower level after a deductible amount issatisfied.You can choose from two dental plan optionsto cover preventive, diagnostic, and restorativeservices for you and your eligible dependents.Through a variety of personal benefit options,you may opt for higher coverage levels than theautomatic levels provided by the Laboratory forlife, long-term disability, and accidental deathinsurance. APL’s benefits program also includesflexible spending accounts that allow you topay for qualified medical and dependent careexpenses with before-tax dollars, a long-termcare insurance plan, and a prepaid legal servicesplan.LegislatedThese government-mandated benefits includeSocial Security, unemployment insurance, andworkers’ compensation.
Educational AssistanceYou are encouraged to participate in formalcourses of study relevant to your Laboratorycareer. To help promote your career growthat APL, the Laboratory provides educationalassistance through the Part-TimeStudy Program(PTSP).Numerousschools withinan hour’s driveof APL’s maincampus offer awide variety ofcareer-relatededucationalprograms. Someof the localarea collegesand universitiesattended by APLstaff include:American UniversityBowie State UniversityCapitol CollegeCatholic Universityof AmericaGeorgetown UniversityHoward UniversityJHU Bloomberg Schoolof Public HealthThe Johns HopkinsUniversityJHU Krieger Schoolof Arts & SciencesJHU Whiting Schoolof EngineeringLoyola CollegeUniversity of MarylandIn addition, APL supports educational opportunitiesthrough online degree and certificate programsoffered at most of the above institutions.
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Page 5: fA Package of FlexibleBenefitsAPL
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Page 11 and 12: RecreationThe APL Recreation Office

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