2020 Summary of Benefits
Services for the UnderServed (S:US) offers a wide range of benefits as part of your total compensation package. Choose from top medical and dental insurance programs; plan for your future with tax-deferred investing through S:US retirement options; enjoy generous vacation and sick leave policies; and protect yourself and your family with life and long-term disability insurance. For more information, see details including per paycheck premiums below.
Insurance
Eligibility
New hires schedule to work 30 hours or more each week, become eligible for benefits the 1st of the month following 60 consecutive days of *permanent employment.
Benefits elections generally become effective on the 1st day of the month after eligibility is met. However, if a **qualifying event is incurred, eligibility begins on the day of the qualifying event.
Medical
Eligible employees may choose from among 2 United Health Care Oxford plan options. Employees are given the broad choice between 4 enrollment tiers.
The EPO Plan includes an employer funded HRA. The High Plan is a buy-option that provides out of network access.
Dental
A flexible dental plan with managed care option and preferred provider plan.
Vision
Optional Vision coverage is provided through EyeMed.
Flexible Spending Account
Regardless whether you elect to enroll in an offered medical plan, you have the option to contribute to a tax- exempt health care Flexible Spending Account. The FSA allows you to save money on eligible medical expenses. The
2019 annual max you may contribute is $2,700.00. FSA Health Care caps the amount allowed rollover to the next plan year at $500.00.
2019 annual max you may contribute is $2,700.00. FSA Health Care caps the amount allowed rollover to the next plan year at $500.00.
Long Term Disability Insurance
S:US provides employer paid Long Term Disability (LTD) coverage. The benefit provides 60% of salary up to $15,000.00 per month after a 180 days period of elimination.
Life Insurance and Accidental Death and Dismemberment Coverage
After benefits eligibility is met, S:US provides each eligible employee with basic term life insurance and basic accidental death and dismemberment coverage. Eligible employees do not pay a premium for these benefits. The value of the coverage equals 1X the employee’s annual base salary.
Eligible employees have the option to purchase additional coverage. Additional life insurance is capped at 5X the employee’s base salary and cannot exceed $500,000.00. Employees also have the option to purchase Spouse life and child life insurance.
Upon first becoming eligible, additional Life Insurance is guaranteed up to $150,000.00 without evidence of insurability. After first time eligibility, additional life insurance requires EOI. First time Spouse Life is guaranteed up to $50,000.00.
Retirement
Retirement Savings Plan
2020 employee contributions are capped at $19,500. Employees age 50 and older can contribute an additional $6,500. Roth contributions are allowed. The plan reserves the option to
grant non-elective contributions.
grant non-elective contributions.
Other Benefits
Dependent Care Assistance Program
Deduct your dependent care expenses before they are taxed. With the FSA Dependent Care you’ll save money in your paycheck because deductions are tax-exempt. The maximum contribution is $5,000.00 (married; filing jointly).
Medical Spending Account
Set aside up to $2,750 tax free each year to use to pay for medically necessary expenses that are not covered by your medical insurance.
Transportation
The program is flexible and gives you the option to deduct your Parking and Transportation commuting expenses from your paycheck, pre-tax. The monthly pre-tax contribution maximum is $270.00 for each account.
Wellness
S:US’s employee wellness initiatives offer valuable resources designed to support your overall wellbeing. Some examples are:
- Convenient worksite wellness clinics.
- Free Hepatitis B vaccinations.
- Flu shots.
- Tuberculous screenings.
- Wellness challenges.
- Nutrition coaching.
Short-term Disability and Worker’s Compensation
On the first day of employment, all employees become covered participants in S:US Short-term Disability and Work’s Compensation salary protection plans.
More
- Employee Assistance Program (EAP): Effective on the first day of employment, all employees have access to free face to face consultations, 24/7 call-center and onsite web reference guide.
- S:US honors the Federal Student Loan Forgiveness Program. The program encourages individuals to enter and continue to work full-time in non-profit sector jobs, in return for qualified student loan forgiveness.
Holidays
S:US observes 12 paid holidays per calendar year
Sick, Vacation and Personal Days
After 4 months of continues employment (120 days), new hires can use their paid time off.
Sick Days
All permanent employees receive the equivalent of 5 incidental sick days each year, and accrue the equivalent of
7 serious illness sick days each 12 months.
7 serious illness sick days each 12 months.
At the end of each calendar year, unused incidental sick days rollover to serious illness sick time.
Vacation Days
All permanent employees receive an allotment of vacation time. The number of days is determined by part-time or full-time designation and salary tier.
A maximum of 1.5 times your annual allotment of days earned, are permitted to carry over to the next calendar year.
Personal Days
Permanent employees are granted personal days at set intervals of the calendar year. Personal days must be used by each calendar year end.
Unused personal days expire on December 31st each year.