Health Insurance - Open Enrollment
As another year comes to an end, we look forward to a new year! BSJ Corporation continues to offer competitive benefits to employees. We are excited to announce that we will continue to partner with Quartz Health Plan for 2019. If you receive notification for open enrollment, you have met the look-back period’s hours requirement and we invite you to attend any of the insurance enrollment information meetings. Meeting times are estimated to take about 20-30 minutes and are offered at BSJ Corporation locations as follows:
- Marinuka Manor, Galesville – Friday, November 2nd 1:00pm & 2:00pm
- Onalaska Care Center, Onalaska – Tuesday, November 6th 1:30pm & 2:30pm
- Community Services (OnaTerrace), Onalaska – Wednesday, November 7th 8:00am
- BSJ Care Center, La Crosse – Thursday, November 8th 2:00pm & 3:00pm
- Norseland Nursing Home, Westby – Thursday, November 15th 1:00pm & 2:00pm
We offer a health plan through Quartz for all benefit-eligible employees (30 hours/week or more averaged in a 60 day period).
Preventive care is covered at 100% and no deductible applies. For other services, this plan requires a deductible before eligible services are paid by Quartz at 80% until you meet your maximum out of pocket.
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.
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. Benefits begin on the 15th day for either an accident or a sickness and have a maximum benefit payment period of up to 24 weeks. Note this benefit is 100% paid by you.
Life insurance options so employees can offer financial stability to 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 $10,000 basic life insurance policy that is 100% employer paid.
Additional Term Life Insurance is available at the employee’s expense
Quartz Wellness Program
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.
Quartz Well! Is a personalized, digital wellness program that is simple, flexible, and rewarding. It is designed to reward you for taking care of yourself no matter what your fitness level is. You earn points for engagement, fitness, prevention and health & well-being. Members can earn up to $100 for single coverage and up to $200 for family coverage each calendar year. Click here for more information on the Quartz Well Program
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.
Personal Leave Value
BSJ Corporation offers, a 403 (b) plan or TSA (Tax Sheltered Annuity). The plan allows a person to deduct an amount from each paycheck. You pay lower current tax on a lower gross income because the contribution comes out of the paycheck before the income is taxed.
This benefit is available to employees from the first date of employment.
Each January, employees that have been employed for one year or more are eligible for a match of up to 2%. See plan document for details
PLV is a unique benefit program that replaces traditional vacation, holiday, bereavement and sick time benefits with a dollar value payment earned with each payroll. (This benefit is eligible to all employees from first date of employment).
o Employees accumulate as much as he or she wants in the PLV bank
o After employment ends, accumulated PLV is paid out 100% to the employee on his or her last direct deposit
o 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 (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 date of employment)