Employee Benefits

We offer a health plan through Quartz for all full-time employees. Employees need to average 30 plus hours a week (60 per pay period) to be considered full-time.

Preventive care is covered at 100% and no deductible applies. For other services, the plan requires a deductible before eligible services are paid by Quartz at 80% until you meet your maximum out of pocket.

BSJ Corporation provides employees with an HRA to help offset the deductible. See HRA Plan for details.

2023 BSJ Benefit Guide

Quartz Diabetes Program

Dental Insurance

Disability Insurance

Life 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.

Delta Dental Summary

You are eligible to participate in the Principal Financial Group’s Voluntary Short AND / OR Long-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.

Short-term Disability Summary

Long-term Disability Summary

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 1^st 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.

HRA

Vision

FSA

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.

How to Use Your HRA

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.

Delta Vision Summary

Finding a Network Provider

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.

FSA Overview

Standard FSA Eligible Expenses

Retirement Plan

Personal Leave Value

EAP

BSJ Corporation offers a 403 (b) Retirement Plan. The plan allows a person to deduct an amount from each paycheck. 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.

(This benefit is available to employees from the first day of employment.)

Employees are eligible for the company match of up to 2% beginning the first calendar quarter after reaching one year of service. See Plan document for details.
* Retirement Plan Summery 2023
* Enrollment Form
* Beneficiary Form
* Deferral Change Form

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 day 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 day of employment.)

Mobile App - MyBenefit2GO

We are exciting to announce a mobile app for general benefit information.

In the app you will find benefit summaries, videos, and more to help you navigate your benefits — giving you access to important information regarding your benefit offerings. You will have the option of uploading a copy of your insurance cards, so you always have them with you.

You can download the app, MyBenefits2GO, for free through the Apple App Store or Google Play Store.

BSJ’s six-digit code for the Mobile App is A36262

Mobile App 2023