Employee Benefits

Benefit Highlights

BFCSY’s benefit package is designed to meet the needs of employees and their family members, including same sex partners and dependent children. The agency considers the relationship with employees to be collaborative and offers benefit programs focusing on their overall health and financial well-being. Our employees have the opportunity to select programs that meet their needs now as well as in the future. This summary highlights information about each of the benefit options available to all eligible employees.

Benefit Eligibility

All full-time and part-time employees, working more than 20 hours per week, are eligible to participate in BFCSY’s benefit programs. Please see specific benefits as to eligibility.

NOTE REGARDING ITEMS MARKED WITH AN ASTERISK (*):  Pre-tax premium and benefit deductions are an option as determined by the IRS.

* Health Insurance

Eligible First of the Month Following Date of Hire - Paid by BFCSY and Employee

Employees can participate in our national Preferred Provider Organization (PPO) medical plan, and includes coverage for both in and out of network services. BFCSY pays 75% for employee only coverage and 70% toward family coverage.

* Dental Insurance

Eligible First of the Month Following Date of Hire - Paid by BFCSY and Employee

Employees can participate in our national Preferred Provider Organization (PPO) dental plan and includes coverage for preventative and diagnostic, basic, major and orthodontia services. BFCSY pays 100% for employee only coverage and 70% toward family coverage.

* Flexible Spending Accounts (FSA)

Eligible First of the Month Following Date of Hire - Paid by BFCSY and Employee

Flexible Spending Accounts allow an employee to set aside pre-tax dollars for reimbursement of qualified medical and/or dependent care expenses in accordance with IRS regulations and the plan limits.

NYS Short-term Disability Insurance (NYS STD)

Eligible Date of Hire - Paid by BFCSY and Employee

NYS STD is a state mandated income protection and applies if the disability is for a non-work related accident or illness. Benefits equal 50% of your average weekly income, up to a maximum of $170 per week.

Life Insurance

Eligible First of the Month Following Date of Hire as a Full-time Employee - Paid by BFCSY

Term life insurance is provided in an amount equal to two (2) times an employee’s annual base salary to a maximum of $200,000.

Supplemental Insurances

Eligible Date of Hire - Paid by Employee

An employee can purchase additional supplemental insurances through AFLAC, including Cancer, Accident, Short-term Disability, Hospital and Life.

Accidental Death & Dismemberment Insurance (AD&D)

Eligible First of the Month Following Date of Hire as a Full-time Employee  -  Paid by BFCSY

Additional AD&D insurance pays up to two (2) times an employee’s annual base salary up to a maximum of $200,000 in the case of a serious injury or accidental death due to a covered accident.

Long-Term Disability Insurance (LTD)

Eligible First of the Month Following Date of Hire as a Full-time Employee  -  Paid by BFCSY

LTD pays a benefit up to 60% of your annual salary to a maximum of $5,000 per month when you are out of work for more than 180 days due to a non-work related accident or illness. The plan has a minimum benefit of $100.

Retirement

Defined Benefit Retirement Savings Plan

Eligible Date of Hire  -  Paid by BFCSY

Eligible employees are enrolled in a non-contributory defined benefit retirement plan and participants are fully vested after five (5) consecutive years of employment.

* 403(b) Retirement Savings Plan

Eligible Date of Hire  -  Paid by Employee

Employees can contribute tax deferred funds via payroll deduction to an annuity with a participating vendor in an amount up to the maximum IRS limit.

Paid Time Off

Eligible Date of Hire

Employees are eligible for paid time off under both a Combined Leave Time (CLT) pool and an Extended Illness & Bereavement Leave (EIBL) pool policy. Regular full-time employees earn CLT and EIBL on an accrual basis as of date of hire and can accrue twenty (20) CLT days and five (5) EIBL days per year. Accumulation of annual CLT increases with years of service.

Part-time employees working 20 hours or more per week accrue CLT and EIBL on a pro-rated basis.

Employee Assistance Program (EAP)

Eligible Date of Hire  -  Paid by BFCSY

EAP is designed to provide confidential and professional assistance for personal and/or professional issues affecting your quality of life. EAP staff members will assist you and your family members with a wide variety of personal, financial, legal and wellness issues.

Credit Union Memberships & Discount Programs

Eligible Date of Hire

Employees are eligible for membership with several credit unions, discounted banking services with a large financial institution and a discount program with a premiere cellphone vendor.

Other Benefits

• 10 Paid Holidays Per Year
• Double Time Pay for Hourly Employees Working a BFCSY Recognized Holiday
• Direct Deposit
• Military Leave
• Jury Duty Leave