Form WG-1420

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Employee Benefits Overview

The mission of this program is to enhance and improve employee satisfaction, physical health, and wellness. It is open to all benefited employees

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Medical Insurance*

Basic Medical - Choice of any one of the following:

• Cigna $5,000 Deductible Open Access Plus - Health Savings Account Eligible
• Cigna $1,500 Deductible Open Access Plus - Health Savings Account Eligible
• Cigna $1,000 Deductible Open Access Plus

Supplementary Benefits:

• Aflac supplemental plans such as Critical Care, Accident, and Hospital Indemnification
• Vision Care (from Vision Service Plan, VSP)
• Pet Insurance (from PetsBest)
• ID and Legal Shield

* Medical coverage is available to standard employees who work 20 hours or more and temporary employees who work 30 hours or more a week.

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Dental Insurance*

• Delta Premier (High Option)
• Delta Preferred (Low Option)

* Dental insurance coverage is available to standard employees who work 20 hours or more

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Flexible Spending Accounts

HealthCare Flexible Spending Account (HCFSA):

• This plan lets employees reduce their taxable pay by up to $2,700/year for most medical- or dental- related expenses not paid by insurance, excluding insurance premium costs.

Dependent Care Flexible Spending Account:

• This plan lets employees reduce their taxable pay by up to $5,000/year for expenses they incur to purchase dependent care in order to allow them to work.

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Life Insurance*

• Standard Insurance Company basic group term (BHP pays total premium for all employees working 20 hours or more per week)
• Standard Insurance Company voluntary life insurance
• PERA Survivors elective decreasing term, from UnumProvident (PERA pension participants, including Temporary or Seasonal)

* Life insurance coverage is available only to standard employee groups who work a minimum of 20 hrs per week

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Long-Term Disability Insurance*

• Standard Insurance Company (BHP pays total premium for full time employees, prorated percentages for part-time employees)

*Long-term disability insurance coverage is available only to standard employee groups who work a minimum of 20 hrs per week

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Retirement Plans

All employees must participate in a retirement plan. Applicable laws and regulations specify mandatory and permissible participation in any plan. Plan eligibility is limited to the following group:

• Public Employees Retirement Association (PERA )

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Workers' Compensation Insurance

BHP carries Worker's Compensation insurance for all employees.

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Medicare Insurance

BHP and employees, hired after April 1, 1986, each contribute 1.45% of pay to Medicare insurance as required by Federal law.

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Deferred Compensation Plans

PERA-sponsored "401(k)" plan & 457 plan (available to all PERA retirement plan participants in any group, including Temporary or Seasonal):

• Plan numbers indicate the authorizing section of the Internal Revenue code.
• Participation is optional.
• Through the plan, employees may "defer" part of their salary by authorizing BHP to place part of their pay into various employee-selected investment opportunities.
• The amount deferred in a given year is not subject to income tax until the employee receives distribution of the invested amount and earnings on it, normally after termination or retirement.
• This plan thus allows employees to reduce their current taxable incomes and to invest and gain earnings on dollars they would otherwise pay in current income tax.

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Financial Services

Direct Deposit:

• BHP provides a direct deposit service in which employees' paychecks are directly deposited into a designated savings or checking account.
• A paycheck may be divided among several accounts in different institutions if desired.

Credit Union:
BHP employees are eligible to join the Boulder Municipal Employees Federal Credit Union, which offers savings and checking accounts, loans, payroll deduction, life insurance services, travelers' checks, money market and small savers certificates, Christmas Club Accounts, IRAs, money orders, free notary service, wire transfer of funds, savings bonds, direct deposit, VISA debit/ATM cards, and 24-hour phone banking.

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Transportation

Bus ("Eco") Pass Program:

• All standard employees are eligible to receive an Eco Pass entitling the holder to free, unlimited use of the RTD system throughout the Denver Metro area.
• Temporary, seasonal and work study employees are not eligible.
• Eco Pass holders who have come to work using alternate modes of transportation are also guaranteed free cab service home in case of an emergency.

Vehicle Usage Reimbursement:

• Employees may be reimbursed for work-related private vehicle at the supervisor's discretion.
• Employees receiving vehicle mileage reimbursement will be required to provide proof of current liability insurance in compliance with the State of Colorado Financial Responsibility Act.

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Health & Family

Employee Assistance Program:

• The Employee Assistance Program (EAP) is a confidential program paid for by BHP.
• The EAP provides problem identification, counseling and referral services at no cost to the employee.
• Through the EAP, employees can receive assistance for a wide range of issues, including parenting concerns, family and relationship issues, alcohol and drug abuse, emotional difficulties, stress-related problems, conflicts at work or home, and other personal concerns.

Wellness Program:

• The mission of this program is to enhance and improve employee satisfaction, physical health, and wellness.
• The program is open to all benefited employees.
• It includes reimbursement of up to $125 for membership to exercise facilities of the employee's choice as well as $25 for completing an online health assessment, and $100 for completing an annual physical.

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Public Service Loan Forgiveness Program

Boulder Housing Partners is a qualifying employer with the Public Service Loan Forgiveness Program.  Under this program, you may qualify for forgiveness of the remaining balance due on your student loan.  Learn more about the PSLF program here.