HEALTH INSURANCE
Harvard Pilgrim Health Care (HPHC) HMO and PPO Plan for full-time employees (actively working
35+ regularly scheduled weekly hours). Enroll upon hire, or July 1 annually. (CRArc contribution var-
ies de-pending upon length of employment and coverage chosen).
CRC Subsidy Rates Individual Family Couple Emp/Dep(s)
First two “benefit years” 75.00% 65.00% 65.00% 65.00%
HMO Plan (Group# 097891-0000) $57.99 $273.04 $162.45 $150.50
Bi-weekly pre-tax withholding
amount 7/01/10-6/30/11
PPO Plan (Group#097982-0000) $69.59 $328.07 $194.95 $180.84
Bi-weekly pre-tax withholding
amount 7/01/10-6/30/11
Third “benefit year”: 80.00% 70.00% 70.00% 70.00%
Fourth “benefit year” and beyond: 85.00% 75.00% 75.00% 75.00%
DENTAL INSURANCE
Choice of two Delta Dental plans for full-time employees (actively working 35+
regularly scheduled weekly hours). Enroll upon hire, or July 1. (Benefits are identical, but one plan
has higher premiums due to a more expansive list of participating dentists)
PREFERRED Plan-9902 Employee Family
Bi-weekly pre-tax withholding amount $9.99 $26.86
7/01/10-6/30/11
FY10 monthly C.O.B.R.A. rates $29.44 $79.13
PREMIER Plan-7401
Bi-weekly pre-tax withholding amount $9.99 $26.86
7/01/10-6/30/11
FLEXIBLE SPENDING ACCOUNTS (FSA)
All employees may set aside their pre-tax dollars within established limits for eligible dependent/
health/dental care expenses. Enroll upon hire, or July 1 annually.
I.R.S SECTION 125
Allows employees to have their CRC Group Health and Dental insurance premium payments de-
ducted from their paychecks before income tax is calculated. (Your actual savings will depend upon
your withholding instructions.)
LIFE INSURANCE
Full-time employees (actively working 35+ regularly scheduled weekly hours) are eligible after 6
months of service. The benefit value is the annual salary rounded to the next highest $1,000 with a
maximum of $125,000. (CRC pays 100% of premium).
LONG TERM DISABILITY
Full-time employees (actively working 35+ regularly scheduled weekly hours) are eligible after 6
months of service. The benefit commences after 90 days of disability, and pays 2/3 of the monthly
salary with a monthly maximum of $5,000. (CRC pays 100% of premium). Once on disability, em-
ployees are no longer considered “active” limiting eligibility for certain benefits. Please see Human
Resources for further details.
WORKER’S COMPENSATION
All employees are covered upon hire. (CRC pays 100% of premium).
CREDIT UNION
A variety of services (accounts, loans, etc.) available to all employees upon hire.
DIRECT DEPOSIT
A variety of services (accounts, loans, etc.) available to all employees upon hire.
401K PLAN
All employees, who have completed 6 months of active service and are at least 21 years old, are eli-
gible to contribute up to 100% of their gross wages (up to the Federal annual pre-tax maximum).
CRC will match $0.30 for every $1.00 of employee contribution (up to 5% of their gross wages) af-
ter 1 year of active service.
MOVIE TICKETS
Discount movie tickets are available for purchase at Human Resources.
HOLIDAYS
CRC annually observes 11 Commonwealth of Massachusetts legal holidays.
SICK DAYS
Full-time employees (35+ regularly scheduled weekly hours) in active/paid status accrue 6 paid
days per year, earned at 4 hours per month. A maximum of 400 hours of sick time may be accumu-
lated. Unused sick time is not paid out upon termination
of employment.
VACATION
Accrual
Full-time employees (35+ regularly scheduled weekly hours) accrue vacation time for each month of
service in which they are actively employed and in a paid status. Employees are eligible, with ap-
proval, to use accrued time after 3 months of service. On April 1 employees may “carry over” a limit
of 120 hours into the next plan year.
Length of Service Monthly Credit Hours Annual Vacation Days
Through 1st year 8.67 13.00
nd th
Start of 2 year to end of 6 year 12.00 18.00
th th
Start of 7 year to end of 10 year 15.34 23.00
Start of 11th year 18.67 28.00
BEREAVEMENT LEAVE
Up to 4 days, with authorization, for the death of your spouse, child, grandchild, parent, sibling,
grandparent, parent of spouse, or member of your immediate household
FAMILY/MEDICAL LEAVE
Employees who have completed one year of service with CRC, and who have worked a
minimum of 1,250 hours during the 12 months preceding the leave, are eligible for up to 12 weeks
of leave per benefit year (all accrued sick/vacation time must be exhausted,then any remaining
leave is unpaid) with satisfactory documentation of the following:
• Birth, or adoption, of a child.
• Placement of a child with the employee for foster care.
• Need to care for a spouse, child, or parent with a serious health condition.
• Employee’s own serious health condition.
CRC will continue group health/dental coverage at the customary expense. Benefit time will not con-
tinue to accrue during any unpaid leave. Previous, or equivalent, position will be restored provided
employee returns to work in the proper timeframe.
JURY DUTY
Leave with pay is given if the employee was hired before receiving jury duty notice.
MATERNITY LEAVE
Female employees employed for six months, or more, are eligible for maternity/adoption leave in
accordance with State and Federal guidelines.
MILITARY LEAVE
Is granted to an employee, without pay, who enters active duty. No loss in employment status, or
tenure, is suffered upon employee’s return.
TUITION ASSISTANCE
After 6 months of service, CRC may reimburse full-time employees (35+ regularly scheduled weekly
hours) for up to $1,500.00 of tuition per benefit year (7/1-6/30) for successful completion of pre-
approved courses. Department Head must approve all requests in advance of start date. Decision
will be contingent upon relevance of the course to the individual’s employment and budget con-
straints. (There may also be Tuition Remission from the Commonwealth of Massachusetts).
See HR for Guidelines/Forms.
The preceding summary was designed to give a general understanding of our current Employee Bene-
fits Program. Many of the specific provisions of these plans are complex and, therefore, not detailed
here. Please contact the Human Resources Department or more complete information. CRC reserves
the right to change, modify, or delete its Employee Benefits Program at any Time with, or without,
prior notice.
Adopted 7/01 Interview Benefits Sum-
mary 2/2
Revised 6/03, 6/04, 7/04, 12/04,6/05, 7/05, 6/06, 08/06, 7/09, 07/10