Benefits

  Medical Coverage

C&N offers three medical plan options through Highmark^® Blue Shield^® to allow you and your family flexibility when choosing your health care coverage, with a low-cost PPO2 option to full-time employees and QHDHP free and includes an employer-funded HSA. All plans cover 100% of qualified preventative care costs.

• Preferred Provider Organization 1 (PPO1): A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. PPO1 has a lower deductible but a higher premium than PPO2.
   
• Preferred Provider Organization 2 (PPO2): This plan provides the same basic coverage as PPO1, but it has a lower premium and higher deductible and coinsurance.
   
• Qualified High Deductible Health Plan (QDHP): This plan provides significantly lower premiums and comes with an HSA funded by C&N. You can elect to make additional contributions to your portable HSA account, helping you manage your medical expenses now and in the future.

Each of C&N's medical plans includes prescription drug coverage through Express Scripts, Inc^®.

  Dental Coverage 

C&N offers two dental options through Guardian Dental^® to suit your needs, including individual coverage at zero cost to full-time employees. 

• Dental Coverage (Per Plan Year)
  • Covers basic and preventative services

• Premium Dental Coverage (Per Plan Year)
  • Covers basic and prevantative services and partial coverage for major and orthodontia services

  Vision

C&N offers vision coverage through SIMPLE Vision^®. This plan offers you the freedom of flexibility to use the vision provider and service of your choice and acts as a reimbursement program. This program is free to full-time employees and is compatible with other vision plans.

   Flexible Spending Account (FSA)

Allows pre-tax dollars to be set aside for qualified purposes.

• HCRA General Purpose: You may set aside pre-tax dollars to pay qualified out-of-pocket expenses not covered by medical, dental or vision insurance plans.
   
• HCRA Limited Purpose: Similar to a general purpose HCRA, but designed to be compliant with HSA funding by limiting qualified medical reimbursement.
   
• Dependant Care Reimbursement Account (DCRA): You may contribute a set amount per year to cover eligible dependent care expenses such as daycare.

   Health Savings Account (HSA)

This account, compatible with a QHDHP, allows pre-tax money (employer or employee) to be set aside and then used (tax-free!) for eligible health care expenses. The account is cumulative and portable!

C&N supports employee retirement savings in two ways

   Savings & Retirement 401(k) Plan*

C&N matches your contributions dollar-for-dollar up to 5% of your qualified compensation. You may make these contributions on a pre-tax basis or as Roth contributions and can invest the contributions three different ways:

• Target Date Funds: Asset allocation is automatically adjusted by the fund manager with the goal of reducing risk as the “target date” approaches.
   
• Retirement Models: Asset allocation is set by C&N Wealth Management based on individual risk tolerance. Participants change model selection to modify risk.
   
• Individual Funds: Asset allocation is set and maintained by the plan participant.

   Employee Stock Ownership Plan (ESOP)*

Funded solely by C&N, our Employee Stock Ownership Plan (ESOP) is an employee benefit offering you the unique opportunity to become an owner of the company that you work for. Participate in the success you help build!

The ESOP is a special type of discretionary plan that is designed to make contributions on your behalf in the form of common stock of Citizens & Northern Corporation to a retirement account.

• Contributions to the ESOP are made annually at the discretion of C&N's Board of Directors.
   
• Contributions are made based on a percentage of the qualified employee's compensation.
   
• Generally, to share in any annual ESOP contribution, you must be employed on December 31st and work at least 1,000 hours during the calendar year.

*Subject to plan and regulatory limits 

   Life and AD&D

C&N recognizes that life insurance provides critical financial protection for your loved ones and peace of mind for you. As a full-time employee, your basic life and accidental death and dismemberment (AD&D) protection are paid in full by C&N.

If a covered employee dies, the basic life insurance policy will pay the surviving beneficiaries a lump-sum benefit.

AD&D insurance pays your beneficiaries an additional benefit equal to the amount of basic life insurance if you die as a result of a covered accident. AD&D benefits are also payable for certain types of physical loss.

   C&N Short-Term Disability

C&N provides all FT employees with self-funded short-term disability coverage.  Benefits are payable after a 30 day waiting period from the first day of absence and provides a benefit of 66 2/3% of your current salary.  You may supplement your disability pay with accrued sick leave up to 100% of your salary.

   Short-Term Disability by State

C&N employees living in covered states are provided additional short-term disability benefit based on qualifying conditions and employment eligibility.  The benefit amount and duration differs by state.

   Optional Life

In addition to basic life insurance, full-time employees have the option to purchase additional life insurance on themselves and coverage for their spouse, and dependent children, which is guaranteed issue.

   Short-Term Disability Insurance (GAP)

This policy is designed to coordinate with the 6-week waiting period for employer-sponsored Short-Term Disability. In the event you become too sick or injured to work, you will receive benefits as elected. The money is paid to you directly, and there are no limitations on how it can be spent.

   Employee Assistance Program (EAP)

Not just the traditional EAP counseling services designed to address significant life problems with added work/life benefits to address the everyday problems involved in juggling work and family. This program goes one step further to deliver benefits designed to enhance quality of life through training, coaching and wellness.

The FREE services for you and your family include: 

• Counseling Benefits: Help with personal issues from relationships to stress and substance abuse.
   
• Work/Life Benefits: Assistance for other personal, financial and legal issues.
   
• Self-Help Resource Benefits: Access a vast collection of self-help tools and articles.
   
• Peak Performance Coaching: One-to-one telephonic personal & professional coaching.
   
• Lifestyle Savings Benefits: Get negotiated discounts and deals for wellness, shopping, travel & more.
   
• Personal Development & Training Benefits: An extensive library of eLearning opportunities to grow in your work, life, and career.
   
• Wellness Benefits: Coaching, information, and resources to improve your overall wellness.

Getting the help is simple:

• Call the EAP toll-free number 24/7 to reach a professional counselor
• Log on to the website to access online resources

   Employee Perks Account

As part of our commitment to your financial well-being, C&N offers access to special account perks. These exclusive perks are designed to enhance your financial management and help you thrive both personally and professionally. 

1 Must have C&N payroll direct deposit to a C&N Employee Perks Checking account and declare C&N as your primary financial institution; consumer products only; additional restrictions may apply
2 Consumer/personal loans and mortgages; excludes sold mortgages, government mortgages, mortgages for investment properties,  and deposit secured loans; sold mortgages qualify for relationship discount; additional restrictions may apply 
* Where available; Or credit toward a larger box
** Excludes third party fees
Program subject to change or be discontinued at the bank's discretion and upon notification to employees; only available during 
employment by C&N.

Through our benefit partnerships, we offer special coverage options with payments direct to you.

   Hospital Indemnity Coverage

Being hospitalized for illness or injury can happen to anyone, at any time. While medical insurance may cover
hospital bills, it may not cover all the costs associated with a hospital stay. That's where hospital indemnity coverage can help.

Coverage for hospital admission for covered sickness or injury including deductibles and copays, travel to and from the hospital for treatment and childcare service assistance while recovering.

The hospital indemnity plan does NOT include a pre-existing condition limitation, allowing this plan to also be used during admission for maternity and is HSA compatible.

   Critical Illness Coverage

Health coverage is becoming more expensive, with higher co-pays, premiums, and deductibles. Critical illness insurance is an affordable way to supplement and pay for additional expenses that your health insurance doesn't cover.

Coverage assists with expenses like deductibles, treatments, and living costs if you should experience a heart attack, stroke, organ failure, kidney failure and is guaranteed issue.

   Accident Coverage

Health coverage is becoming more expensive, with higher co-pays, premiums, and deductibles. Accident insurance can be a simple, affordable way to help supplement and cover additional expenses your health and disability insurance may not cover.

• Choose from Option 1: Advantage or Option 2: Premier.
• 24/7/365 Injury Coverage that pays lump sum benefits after an accident happens for the initial visit (doctor's office, Urgent Care or ER).
• Specific injury benefits.
• Rainy Day Fund, Injury Free Benefit, and Wellness Benefit.

   AFLAC^® Choice (Hospital Plan)

Aflac Choice offers a wide selection of hospital-related benefits to help with the expenses not covered by major medical, which can help prevent high deductibles and out-of-pocket expenses from derailing your life plans.

It’s customizable. You choose the plan that’s right for you based on your specific needs.

Optional riders:

• Physician visit, major diagnostics (EBR)
• Daily hospital and surgery benefits (HSSCR)

Guaranteed-issue options available — that means here is no medical questionnaire required (payment of claims is subject to all policy limitations and exclusions and pre-existing conditions).

   AFLAC^® Cancer Care

The plan pays a cash benefit upon initial diagnosis of a covered cancer, with a variety of other benefits payable
throughout cancer treatment. You can use these cash benefits to help pay out-of-pocket medical expenses, the
rent or mortgage, groceries, or utility bills - the choice is yours.

Provides you and/or your family with supplemental coverage in the event that cancer is diagnosed
(e.g. cancer screening, medical imaging, hospital confinement, radiation, chemotherapy, etc.).

Optional riders:

• Initial Diagnosis Rider (IDR)
• Dependent Child Rider (DCR)
• Specified Disease Rider (SDR)

Yearly per person wellness benefits for Cancer Wellness Tests and Bone Marrow Donor Screenings.

Additional options to protect your financial wellness include:

   Norton Lifelock^™

Help protect your identity and devices allowing you and your family to live your digital lives safely.

• Device Security: Anti-virus software and multilayered, advanced security helps protect devices against existing and emerging threats, including malware and ransomware. 
   
• Online Privacy: Norton Secure VPN protects devices and helps keep online activity and browsing history private. 
   
• Identity: Monitor for fraudulent use of personal information and send alerts when a potential threat is detected. 
   
• Home & Family: Take action to monitor your child’s online activity with easy-to-use tools to set screen time limits, block unsuitable sites, and monitor search terms and activity history.