Access Services (Access) offers a comprehensive package of employee benefits. Coverage of insurance begins the first day of the month after 30 days of employment. All full-time staff employees and their eligible dependents may participate in Access’ comprehensive health coverage. These benefits include the following:
Comprehensive Health Insurance:
Participants may choose coverage for themselves and any eligible dependents, or to opt-out of the plan if they are covered by another employer sponsored plan.
Access pays 90% of the entire premium cost for HMO or 80% of the entire premium for PPO coverage for both employee and eligible dependents up to limits established by the Board of Directors.
The Prepaid Dental Benefit (DHMO) option provides basic care at no charge to the employee and other services at a low co-payment.
Indemnity Dental Benefits (DPO) option provides basic care at no charge to the employee and other services at a payment of 90% on most usual and customary charges up to $1,500 per year.
Comprehensive vision insurance (PPO) covers frames, lenses, contact lenses and exams.
PPO Chiropractic coverage provides up to 20 visits per calendar year.
Life and Long Term Disability Insurance:
Employer-paid Life Insurance provides an amount equal to the employee’s annual salary. Premiums are 100% paid by Access for employees; dependents are not eligible for this benefit. Employees may choose additional voluntary life insurance and pay the premiums through payroll deductions.
Employer-paid Long Term Disability Insurance provides up to 66% of salary for employees unable to work after a 90-day waiting period. Premiums are 100% paid by Access for employees; dependents are not eligible for this benefit.
Long Term Care:
Employer paid Long Term Care Insurance provides basic coverage of $2,000 per month for qualified confinement to skilled nursing facility. See plan for details. Employees may choose additional coverage choices and pay the premiums through payroll deductions.
Employees may elect any of several voluntary supplemental insurance policies, and pay for the premiums via payroll deduction. Employees may opt for supplemental insurance at any time.
Flexible Spending Accounts:
Access participates in Flexible Spending Accounts (FSA) as regulated by the Internal Revenue Service. Employees are able to participate in FSA when they become benefit eligible (1st of the month following 30 days of hire) and during the open enrollment period (effective as of July 1 each year).
Paid Time Off (PTO):
All regular full-time employees accrue PTO from the first day of employment. PTO is accrued according to the following accrual rate:
- Twenty-two days per year for the first four years worked
- Twenty-seven days per year beginning in the fifth year worked
- Thirty-two days per year beginning in the ninth year worked
Ten scheduled paid holidays per year.
CalPERS (California Public Employees Retirement System) - 100% employer-paid prior to 1/1/13; 6.25% employer AND employee paid as of 1/1/13, 2% @ 60, employees are vested after five years’ service.
403 (b)(7) tax sheltered annuity retirement plan. Currently there is no employer contribution.
Monthly reimbursement for transit passes up to Metro’s Zone 2 (Los Angeles County) through payroll. Eligible employees also are enrolled in the B-TAP Metro pass program and receive an annual B-TAP pass.
Educational and Tuition:
Educational assistance is available for full-time employees following six months of staff employment and must be pre-approved in accordance with Access' policies.
Employee Assistance Plan:
Access provides employees with confidential resources through an Employee Assistance Plan (EAP). The plan offers free and discounted services for work-life balance, elder care, child care, eating disorders, marriage and family counseling, and some legal matters such as wills or living trusts.