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Regular full-time new hires are eligible for Health & Welfare benefits on their 1st day of employment, and regular full-time and part-time new hires are eligible to participate in the 401(k) Plan on the effective date of hire. The employee portions of premiums are paid through payroll deductions on a post- or pre-tax basis, depending on coverage type.
Health, Life and Disability Plans
United HealthCare Basic Consumer Driven Health Plan (“CDHP”)*
United HealthCare Enhanced CDHP*
Metlife Dental Basic PPO
Metlife Dental Enhanced PPO (includes a benefit for orthodontia)
VSP Vision (includes annual glasses or contact lenses benefit with $25 co-pay)
Life and AD&D Insurance
Each eligible employee to be covered at 1.5 times their annual benefits base salary (Company Paid). In addition, AD&D basic policy covers each eligible employee at 1.5 times annual benefits base salary (Company paid). Supplemental Life and Supplemental AD&D Insurance is also available to employees and their dependents at a reasonable cost.
Short- and Long-Term Disability Insurance
Short-term disability coverage provided at 60% of benefits base salary (Company paid). Coverage begins on the eighth day of approved disability to a maximum of twenty-six weeks. Long-term disability coverage provided at 60% of benefits base salary (Company paid). Approved disability begins after short-term disability ends.
Business Travel Accident Insurance
Full time employees are covered by business travel life insurance up to 5 times annual benefits base while traveling on company business (Company paid).
* Preventive services covered at 100%
Flexible Spending Accounts (FSA) & Section 132 Parking and Transit Plans
Healthcare FSA Administered by Flores & Associates Benefits
Pre-tax dollars can be used for a variety of qualified healthcare expenses. Under the plan, an employee can estimate annual out-of-pocket healthcare expenses and set aside funds in a pre-tax account. This account acts much like a savings account that covers future healthcare expenses such as office visit co-pays, deductibles, co-insurance and prescription drug co-pays, as well as things that may not be covered under the health plan, such as acupuncture and Lasik eye surgery. This benefit offers the added convenience of a MasterCard flex debit card. The Plan allows you to contribute up to $2,500/year to a Healthcare FSA. For more information, please visit www.flores247.com or call 1-800-532-3327.
Dependent Care FSA
Pre-tax dollars can be used for a variety of eligible dependent care expenses, such as day care, pre-school, eldercare and babysitting that are necessary in order for you to work at your job. This benefit offers the added convenience of a MasterCard flex debit card. The IRS allows each household to contribute up to $5,000 to a Dependent Care FSA. For more information, please visit www.flores247.com or call 1-800-532-3327.
Parking Reimbursement Account
Employees can set aside up to $245 of pre-tax income per month to pay for qualified work-related parking expenses. Pre-tax dollars can also be contributed to this account. This benefit offers the added convenience of a MasterCard flex debit card. For more information, please visit www.flores247.com or call 1-800-532-3327.
Transportation Reimbursement Account
Employees can set aside up to $125 of pre-tax income per month to pay for commuting expenses including mass transit and/or van pooling expenses. Pre-tax dollars can also be contributed to this account.
401(k) Retirement Savings
Employees are eligible to enroll on their first day with the Company. Employees can contribute up to 50% of earnings on a pre-tax basis and 10% post-tax. The IRS limit is $17,500. If you are age 50 or older, you may also be eligible to make additional (catch-up) contributions, up to $5,500.
Employees are automatically enrolled in the 401(k) program at a contribution rate of 3% after 90 days of employment. Employees have the option of increasing or decreasing their deferral percentage as well as opting out.
The Company will match 50% up to the first 6% of pre-tax earnings you contribute to the plan. There is no match on post-tax contributions.
|Years of Employment||Investment Percentage|
|0-2.99 Years||0% Vested|
|3 years||100% Vested|
Participants may rollover funds from qualified plans into the company’s plan immediately upon hire or anytime thereafter.