Transparency in Coverage Rule
Employee has the choice of two medical plans: Medical PPO and Medical CHDP. Employee pays about 20% of premium for self and family, before taxes. COBRA laws apply.
Dental Insurance (including Orthodontics)
The employee pays portion of premium, before taxes, for self and family coverage. COBRA laws apply.
Employee pays 100% of premium, before taxes, for their own or family coverage. COBRA laws apply.
Basic Life Insurance
Two times annual salary. CARE pays 100% of premium. This plan is convertible to individual policy for US residents and citizens.
Supplemental Life Insurance
One to four times annual salary up to $750,000 maximum combined with Basic Life Insurance. No evidence of insurability if under $150,000. Employee pays 100% of premium. This plan is convertible to individual policy.
Dependent Life Insurance
$30,000 Spouse, $15,000 Child. Employee pays 100% of premium. This plan is convertible to individual policy.
Accidental Death & Dismemberment (AD&D)
One times annual salary up to maximum of $250,000. Salaries over $100,000 subject to war risk exclusion. CARE pays premium.
Short Term Disability
10-business day waiting period; sick leave provided. Benefit is 50% of basic weekly wage to a maximum of $2,000/week. CARE pays premium. Subject to the terms of the Employee Handbook.
Long Term Disability (LTD)
60% of basic monthly salary to maximum of $1,000. CARE pays premium. Convertible to individual policy.
In addition to LTD, 60% of actual monthly salary to a maximum of $7,500/month. Employee pays premium. Convertible to individual policy.
Business Travel Accident
Protects beneficiary in the event of your death in a business related accident. CARE pays premium.
Provides emergency evacuation to a suitable medical facility in the event you or your family become ill while overseas on CARE business.
Employee Assistance Program
Provides counseling and referral support. CARE pays premium.
401k (Employer Contributions)
CARE contributes 4% of your eligible earnings. In addition, CARE provides a match option up to 4% on your voluntary employee contribution. 100% vesting upon enrollment. Eligibility requirements apply. Subject to IRS limits. See plan documents.
401k (Employee Contributions)
No age or service requirements. Limited to eligible employees. Subject to IRS limitations. See plan document.