Dental Insurance
This is a comprehensive plan for all dental services and covers preventive care at 100% in-network, with no deductible. You may use any dentist for your dental services; however, using an in-network provider will reduce your out-of-pocket costs. See plan summary for restorative and other care co-insurance and deductible.
Delta Dental administers our dental plan. Always use a Premier in-network provider to obtain the highest level of benefits.
Disability Insurance
You are eligible to participate in the Principal Financial Group’s Voluntary Short-Term Disability Insurance plan if you are an active, full-time employee who works at least 30 hours per week. Note these benefits are 100% paid by you. Additionally, BSJ offers a company paid long-term disability option through The Hartford. Employees must average 60+ hours a pay period to be eligible.
Life Insurance
Life insurance provides employees with an opportunity to offer financial stability for their loved ones.
Eligibility for Life Insurance is 40+ paid hours per pay period for 60-day period, with benefit effective the 1st of the following month.
Employee’s meeting eligibility have a $50,000 basic life insurance policy that is 100% employer paid.
Additional Term Life Insurance is available at the employee’s expense.
Accident Insurance
Voluntary Accident coverage through The Hartford gives you added financial protection by paying a cash benefit in case of a covered accident. You and your dependents can enroll in this insurance. Benefits are paid based on the type of injury/treatment/service according to a schedule. This plan also offers a health screening benefit for each covered person.
Critical Illness Insurance
Critical Illness insurance through The Hartford provides a lump sum benefit is payable when diagnosed with any covered critical illness while the insurance is in effect (subject to the coverage maximum and pre-existing condition limitation). You and your dependents can enroll in this insurance. This plan also offers a health screening benefit for each covered person.
Hospital Indemnity
Hospital Indemnity insurance through The Hartford is another one of our benefit offerings. A lump sum benefit is payable when diagnosed with any covered critical illness while the insurance is in effect (subject to the coverage maximum and pre-existing condition limitation). You and your dependents can enroll in this insurance. This plan also offers a health screening benefit for each covered person.
Health Reimbursement Account (HRA)
A Health Reimbursement Account (HRA) plan is a tax-favored benefit that helps both employers and their employees save money on the cost of medical expenses. This benefit is funded by employer money and allocated to employees to help defer healthcare costs. These types of plans help employers to decrease medical insurance premium by raising deductibles. These decreased premiums benefit both the employer and their employees by having lower monthly premiums/payroll deductions.
Vision
Vision Insurance is offered through Delta. Employees must average 40+ hours a pay period to be eligible for Vision Insurance. Delta has more than 154,000 participating providers.
FSA
An FSA (Flexible Spending Account) plan allows you to use tax-free income to pay for your family’s out of pocket medical and dependent care expenses.
You just set aside some of your gross salary to pay for current qualified medical and childcare expenses.
Retirement Plan
BSJ Corporation offers a 403 (b) Retirement Plan. The pre-tax deferral option lowers your gross taxable income because the withholding comes out of the paycheck before your salary is taxed. The Plan also offers an after-tax deferral option called the ROTH option. With this option, your salary is taxed prior to the withholding for the Retirement Plan. Begin by requesting a payroll withholding through PayCom, then go to Ascensus to gain access to your account. (This benefit is available to employees from the first day of employment.)
Employees are eligible for the company match of up to 3% for 2025 beginning the first calendar quarter after reaching one year of accumulated service. See Plan document for details.
Personal Leave Value
PLV is a unique benefit program that replaces traditional vacation, holiday, bereavement and sick time benefits and is earned with each payroll.
(This benefit is eligible to all employees from first day of employment.)
• Employees accumulate as
much as he or she wants in the PLV bank
• After employment ends,
accumulated PLV is paid out 100% to the employee on his or her last direct deposit
• Calculating your PLV each
pay period—The PLV rate, is multiplied by hours (up to 80), times wage rate. The resulting dollar value amount is accumulated in a PLV bank.
EAP
EAP (Employee Assistance Program) is a free confidential counseling program is available to staff and their immediate family.
(This benefit is eligible to all employees from first day of employment.)
