Full Time Benefits Package:

Insurance Coverage

• Worker's Compensation Coverage

• Disability Insurance

• NYS Unemployment Insurance

Health Insurance
ARA offers one of 2 health insurance plans to its full-time regular employees.

A. BlueCross BlueShield EPO 5015 with a three tier ($10/$30/$75) prescription drug program. Annual deductibles are $250 per individual/$500 per family for in-network services. Dependent child coverage provided to age 19 or if a full time student, to age 25.  ARA will pay the 90% of the premium for single or family coverage for each full-time regular employee. Employee contribution is 10%.  There is no out-of-network coverage.

B.  BlueCross BlueShield PPO 7200 with a three tier ($7/$25/$40) prescription drug program. Annual deductibles are $1,500 per individual/$3,000 per family for in-network services. Dependent child coverage provided to age 19, or if a full time student, to age 25.  ARA will pay the 90% of the premium for single or family coverage for each full-time regular employee. Employee contribution is 10%.  There is no out-of-network coverage. 

This coverage will become effective the 1st day of the month following 30 days from the employee's full-time start date.

Dental Insurance
ARA offers a dental plan for employees who work at least 20 hours per week. For those employees who elect to join this plan, premiums are deducted from the employees paycheck on a pre-tax bi-weekly basis. The coverage will become effective the 1st day of the month following 30 days from the employee's full-time start date.

Retirement Plan
ARA offers a 401(k) Retirement Plan sponsored by T. Rowe Price.  Full-time or part-time regular ARA employees, who have reached the age of 21 and have completed a three month period of employment during which 500 hours was worked, are eligible to participate in the 401(k) retirement plan. The employees have the option of making a contribution (salary deferral) of up to 15% of their gross pay (within IRS guidelines).  After one year of service, ARA matches up to 3% at 233% of the employee's gross pay.

Leave Accruals

• Vacation leave is accrued at the rate of one day per month, to a maximum accrual of 24 days.

• Sick leave is accrued at the rate of one day per month, to a maximum accrual of 40 days.

• ARA offers employees 12 paid holidays annually.

• Three personal leave days are accrued on the employee's anniversary date.

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