Download YMCA OF MONTCLAIR EMPLOYEE BENEFIT SUMMARY Eligible

YMCA OF MONTCLAIR
EMPLOYEE BENEFIT SUMMARY
Eligible Employees: Regular Full-Time Employees
New full-time employees or staff members who become eligible due to their employment classification must
complete 30 days of continuous employment as a full time employee to be enrolled in the group health and life
insurance and long term disability plan. Coverage is effective the first of the month following 30 days of
continuous employment as a full time employee.
GROUP HEALTH COVERAGE
Regular Full-Time employees and their eligible dependents are eligible to enroll, however, employees may elect
to waive their rights to healthcare coverage. Eligible dependents include spouse, except in the event of divorce,
legal separation or annulment and children from birth through age 25 (includes dependent stepchildren, legal
guardianship, and legally adopted children). Medical and Dental coverage may also be continued for children
past age 25 if they are incapacitated/handicapped, subject to approval by the Medical coverage administrator.
To qualify for continued coverage, the child must become incapacitated/handicapped while enrolled in
Medical/Dental coverage as an eligible dependent.
Child includes the following: A stepchild or foster child, provided they are dependent upon the Employee for
support and maintenance. A legally adopted child (A child is considered legally adopted on the earlier of the
date of placement or the date the legal adoption proceeding have been started). Placement for adoption means
the Employee has assumed a legal obligation for partial or total support of the child. Any other child related to
an eligible Employee, mainly dependent on the eligible Employee for maintenance and support. Dependents
must reside in the United States.
Newborn Children Eligibility:
Medical enrollment required during 30-day period following the birth of a child. Coverage is effective
retroactive to the date of birth. Otherwise, there will be no coverage.
Coverage:
Group Health Insurance (Medical / Prescription Drugs /Dental / Vision)
There are four categories options offered to employees. (Please review the Annual Group Rate Sheet).
Employee payroll deductions for health and dental insurance are automatically taken on a pre-tax basis, unless
an employee notifies us otherwise.
Insurance Carriers:
Medical: United HealthCare
Prescription Drugs: This benefit remains with United HealthCare, however, the plan is administered by Optum
Rx. Employees continue to use their HealthCare medical ID card.
Dental: CIGNA
Vision Care: EyeMed (Discount Program)
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GROUP LIFE COVERAGE
Group Life Insurance - Life / Accidental Death & Dismemberment (AD&D):
Group Term Life Insurance is payable at a benefit valued at $10,000. The YMCA of Montclair covers all
eligible employees and pays this benefit at 100%. Employees will have the option of increasing their coverage
amount to 1 times their annual gross salary rounded up to the nearest thousand at their own expense.
Dependent Life Insurance:
Employees may cover their eligible dependents in the event of their death, for $5,000 at the rate of $2.00 per
month per family unit. Premium must be paid by the covered employee. Enrollment is optional. Dependent Life
covers Spouse (except in the event of divorce, legal separation or annulment), children from birth through age
25 (includes dependent stepchildren, legal guardianship, and legally adopted children), and registered domestic
partners between same or opposite gender individuals. Children under the age of 14 days are excluded from
Dependent Life coverage.
Insurance Carrier: MetLife
LONG TERM DISABILITY
The YMCA of Montclair covers all eligible employees and pays this benefit at 100%.
Insurance Carrier: Liberty Mutual
RETIREMENT
YMCA of Montclair participates in the National YMCA Retirement Fund for the benefit of all eligible staff
members. As an employee of the YMCA of Montclair, upon completion of eligibility requirements, employees
must participate in the YMCA Retirement Plan as a mandatory condition of employment. The Plan provides
retirement and other benefits for YMCA employees and their designated beneficiaries.
All of the staff at our YMCA becomes eligible to participate in the Plan when they are age 21 or older and have
completed 1,000 hours of service within each of any 2 years, beginning with their date of hire or anniversary
date at the YMCA organization. These two years are not required to be consecutive.
All eligible employees must enroll in the Fund and it is a "condition of employment" at the YMCA of
Montclair. There are only a few exceptions to this rule. These include employees who:
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Are hired at age 60 or over
Are non-resident aliens with no US-source income
Work at a YMCA newly joining the Fund
Belong to a bargaining unit that has negotiated out of the plan
The YMCA of Montclair pays the entire cost of each staff member’s participation in the Retirement Fund, an
amount currently equal to ten percent (10%) of each individual staff member’s gross salary. Employees are
immediately vested once enrolled. What is Vesting? Vesting is your right to receive the benefits the fund
provides.
MAKING VOLUNTARY ADDITIONAL CONTRIBUTIONS
All participants can open Tax-deferred Account in addition to their Basic Account.
Tax-deferred Account:
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Contributions to this account reduce the employees’ federal income taxes the year they make them, giving the
employees a current tax savings. Contributions are through payroll deduction. Since our YMCA participates in
the YMCA Retirement Plan, any employee of our YMCA may immediately participate in the YMCA
Retirement Fund Tax-Deferred Savings Plan by opening a 403(b) Smart Account regardless of their age, length
of service or hours worked. They may also roll in money from an eligible employer plan or IRA.
A more detailed description of the Eligibility and Enrollment rules can be found on the YMCA Retirement
Fund’s website: www.yretirement.org.
The YMCA reserves the right to amend its participation in the Plan at any time within the terms and conditions
set by the YMCA, the Plan and the YMCA Retirement Fund.
TIME OFF PROGAM
VACATION DAYS
Full Time Staff Vacation
Full-time employees who have worked less than one year of continuous service are entitled to accrued time
earned per month up to a maximum of ten days per calendar year for non-exempt staff and fifteen days per
calendar year for exempt staff. A vacation “week” is the equivalent to five working days. The amount of
vacation days earned increases with subsequent years of employment as follows. Vacation must be taken within
the calendar year, between January 1st and December 31st and may not be carried over into the next calendar
year. Years of service from another Y are credited.
Full Time Exempt Staff Vacation Per Calendar Year:
 For employees with less than two (2) years of continuous service, three (3) weeks of vacation leave;
 After two (2) years of continuous service, four (4) weeks of vacation leave;
 After fifteen (15) years of continuous service, five (5) weeks of vacation leave.
Full Time Non-Exempt Staff Vacation Per Calendar Year:
 For employment less than five (5) years of continuous service, two (2) weeks of vacation leave;
 After five (5) years of continuous service, three (3) weeks of vacation leave;
 After ten (10) years of continuous service, four (4) weeks of vacation leave;
 After twenty five (25) years of continuous service, five (5) weeks of vacation leave.
Part Time Staff Vacation Per Calendar Year:
Part Time employees who work 1,000 hours per calendar year continuously, become eligible for vacation hours
after January 1st. The amount of vacation hours earned increases with subsequent years of employment as
follows:
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Less than 5 years 20 HOURS
5-10 years 40 HOURS
11-24 years 60 HOURS
25 PLUS years 80 HOURS
HOLIDAYS
Eligible Employees: Regular Full-Time Employees
Full-time employees of the YMCA of Montclair are eligible for the following paid holidays. Employees may be
required to work on certain holidays that the facility is open but will be entitled to take another day in its place,
at the approval of your supervisor.
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New Year’s Day
Martin Luther King Day
President’s Day
Good Friday
Memorial Day
Independence Day (July 4th)
Labor Day
Thanksgiving Day
Christmas Day
One Floater Day
SICK DAYS
Eligible Employees: Regular Full-Time Employees
Full-time employees are entitled to six sick days per calendar year. Employees are eligible for sick leave only after
the first six months of employment. Beginning of the seventh month of employment, and until December 31,
employees are entitled to the entire six days. Sick time is not cumulative, sick time cannot be carried over into the
next calendar year.
Eligible Employees: Regular Part-Time Employees
Refer to the attached Montclair Sick Leave Memo & Ordinance Effective as of March 4, 2015.
Bereavement
Full-time Exempt and Full-time Non-Exempt employees will receive up to three paid days, if necessary, for the
death of an immediate family member. Members of the immediate family include spouses, parents, siblings,
children, grandchildren and grandparents.
AFLAC
YMCA of Montclair offers benefits through AFLAC to all regular full-time employees and regular part time
employees. Employees are responsible to pay 100% of the premium.
Full –time employees may elect to enroll in the following AFLAC benefits:
Insurance Plans
 Accident Protection Plan
 Short-Term Disability
 Cancer Protection / Critical Illness
 Dental Insurance
 Life Insurance
Flexible Spending Accounts
 Unreimbursed Medical
 Dependent Day Care
Please note, that for Full-time employee’s, payments for the plans with AFLAC will be deducted directly from
payroll.
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Part-time Employees may elect to enroll in the following AFLAC benefits:
Insurance Plans
 Dental Insurance
 Accident Protection Plan
 Cancer Protection/Critical Illness
 Life Insurance
Please note, other than dental insurance via payroll deductions, all other payments for Part-time employees
will be made directly to AFLAC.
CREDIT UNION MEMBERSHIP
Employees of the YMCA of Montclair are eligible to utilize the many services provided at the Proponent
Federal Credit Union.
EMPLOYEE ASSISTANCE PROGRAM (EAP)
YMCA of Montclair offers Employee Assistance Program (EAP) through a third party company called CONCERN
to all full-time employees and employees who work 1000 hours in a calendar year. This confidential service can
assist employees and their family members who may be experiencing personal or work related dilemmas.
From time to time, many of us face financial, legal or personal issues that can lead to emotional distress, alcohol and
substance abuse and martial or family stress. It is not unusual for these types of crises affect job performance.
Finding solutions to challenges is the purpose of CONCERN EAP. The one to ten EAP sessions are provided at no
cost to the employee or their family member. Experienced counselors will assist you in identifying and resolving the
challenges. Services can be at six other convenient locations in the New Jersey.
ALL CONTACT and THE CONCERN EAP RECORDS ARE COMPLETELY CONFIDENTIAL. No identifying
information will be shared with YMCA of Montclair. Employees may obtain CONCERN brochures located at the
employee information or Human Resources office.
PLEASE NOTE THAT BENEFITS ARE SUBJECT TO CHANGE AT ANY TIME BY THE YMCA OF
MONTCLAIR.
This document is posted on the YMCA of Montclair Staff Portal at http://ystaff.org/
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