CHCS Benefit Plans

CHCS has the following benefits available

Flexible Benefit Plan

CHCS' flexible benefit plan offers a variety of benefit options for individuals to select to meet their own individual needs.

Health Insurance
Full-time employees are provided with employer benefit dollars, which covers 89% of an individual  plan on the Open Access Plus (In & Out of Network) plan with Health Savings Account.  Dependent coverage is also available at a shared expense.

In addition to the health plan, CHCS contributes $100 per month into an Health Savings Account for full-time employees who enroll in the health plan. 

The Group Medical Insurance is available through Cigna Healthcare.  The health plan also offers Cigna Medical Telehealth.  Cigna Medical Telehealth connection lets you get the care you need - including most prescriptions for a wide range of minor conditions.  Once registered, CHCS employees can connect with board-certified doctors via secure video chat or phone, without leaving the home or office.

Dental Insurance
Employees are offered a choice of two dental plans at a shared expense.
Orthodontia coverage for dependent children and adults is included in the dental plan.

Vision Insurance
A Vision benefit plan is available as a voluntary benefit. 

Health, Dental and Vision coverage is available for domestic partners.

Life Insurance:
CHCS provides Full-time employees one times an employees annual salary in life insurance and offers the option to purchase additional life insurance coverage up to five times the employee's annual salary.

Dependent Life Insurance:
Employees working 20+ hours per week are eligible to purchase additional life insurance for their spouse and/or child(ren) up to the Guaranteed Issue amount.

Long Term Disability Insurance
CHCS provides 100% of the premium for long term disability insurance to all full-time employees.

Reimbursement Accounts
Medical Reimbursement Account with an annual contribution limit of $2,400.
Dependent Care Reimbursement Account with an annual contribution limit of $5,000.

Aflac
Three voluntary Aflac benefit plans are available:
Accident
Cancer
Hospital Advantage Plan

Part-time employees who work a minimum average of 20 hours or more per week are eligible to voluntarily purchase medical, dental and vision insurance and are offered pro-rated employer benefit dollars.  CHCS also contributes to the Health Savings Account for those part-time employees who enroll in the health plan.  Supplemental life insurance and medical and dependent care reimbursement accounts are available on a voluntary basis.

Part-time employees who work a minimum average of 15 hours (but less than 20) are eligible to voluntarily purchase medical insurance and are offered pro-rated employer benefit dollars.

Vacation & Sick Time

Hourly Non-Exempt Full-time employees accrue:
10 vacation days annually (vacation days increase with length of service)
10 sick days annually

Salaried Exempt Full-time employees accrue:
15 vacation days annually (vacation days increase with length of service)
10 sick days annually

Part-time employees are eligible to earn pro-rated vacation and sick time.

Holidays

Full-time employees receive 7 Traditional and 3 Floating Holidays annually

Part-time employees are eligible to earn pro-rated time for 7 Traditional and 3 Floating holidays

Observed Traditional Holidays:
New Year's Day
Labor Day
Memorial Day
Thanksgiving Day
Independence Day
Day After Thanksgiving
Christmas Day

3 Floating Holidays
1 Floating Holiday:  January 1 – April 30
1 Floating Holiday:  May 1 – August 31
1 Floating Holiday:  September 1 – December 31

Retirement Plan - 401(a)

CHCS offers a Discretionary Contribution Retirement Plan with Fidelity Investments.  Contributions are made by CHCS with no cost to the employee.  Contributions for eligible participants are based on annual income and are determined on an annual basis.

After one year of employment, employees who are at least 21 years of age and work a minimum of 800 hours in a Plan Year (January 1 - December 31) are eligible to enroll in the CHCS Retirement Plan. 

Voluntary 403(b) Retirement Savings

CHCS employees have the option of enrolling in a 403(b) plan with Fidelity Investments. 

The amount of money each employee voluntarily contributes pre-tax to a 403(b) depends on personal choice. The IRS guidelines set the annual maximum contribution. In 2015 and 2016 the maximum is $18,000 annually (employees over age 50 are eligible for an additional catch-up contribution of $6,000 for a total of $24,000 annually).

Additional Benefits

CHCS offers a variety of additional benefits to our employees:

Employee Assistance Program
Employees and immediate family members may receive as many as three visits each with a counselor for assessment and referral annually.

Education Reimbursement Program
After six months of employment employees are eligible to participate in the CHCS Education Reimbursement Program.

Auto and Homeowners Insurance
CHCS and Traveler's have an arrangement for employees to purchase auto/homeowners insurance at a reduced rate through payroll deductions.  Payroll deductions offers the ultimate convenience for CHCS employees.

Fitness & Wellness Program
A variety of activities are available each year including physical activity programs, educational newsletters and resources, and opportunities to win cash prizes for participation.

Bangor Workplace Advantage Program
Discounts and special savings available through Bangor Savings Bank.


CHCS Mission

Community Health and Counseling Services will provide community health services that are needed and valued by the communities and individuals we serve.