Our employees make the difference to the people we care for and the communities we serve. They are our greatest asset and the key to our success. Newark
Community Health Centers, Inc. is pleased to offer comprehensive Employee Benefits to all eligible employees. These benefits are designed to provide peace
of mind and protection from unplanned life events, offer resources towards financial stability and promote good health.
Below is an overview of NCHC Employee Benefits
Plan Type
Medical Plan
Eligible
Employees
FT Employees
and Eligible
Dependents
Eligibility
After 90 days of service
Dental Plans
FT Employees
and Eligible
Dependents
After 90 days of service
Vision
FT Employees
and Eligible
Dependents
After 90 days of service
Supplemental
Benefits
FT Employees
After 90 days of service
Life Insurance and
AD&D
FT Employees
After 30 days of service
2022-2023 NCHC Benefits
Note: Payroll deductions for some benefits are on a pre-tax basis.
Plan Description
CIGNA Open Access Plus In-Network with HRA: Covered for in-network providers
only. You'll pay 100% of out-of-network care, except for emergencies. No referral required
to see specialists. Includes Rx coverage, a Health Reimbursement Account (HRA) - An
employer-funded account that helps pay for qualified health care expenses. The Open
Access Plus (OAP) network is a group of doctors, hospitals, facilities and labs that have
contracted with your plan, and is located across the United States.
CIGNA: CIGNA DMO: No patient co-payments for preventative care. You are required
to select a dentist from a panel of participating providers to direct your care. CIGNA PPO:
The freedom to choose either a participating dentist or, for a nominal fee, any non-network
dental care provider. Dentists in this network may provide a better coverage level with
greater savings.
VSP: Voluntary vision plan with the largest national provider of eye coverage. Examination
and lenses every 12 months and frames every 24 months.
AFLAC is a supplemental insurance company that allows you to elect benefits on a
voluntary basis such as: short term disability, accident, cancer, hospital, life insurance.
CIGNA: $75K group term policy plus $75K AD&D. NCHC employees also have the
opportunity to elect voluntary life insurance for themselves and eligible dependents.
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Short Term
Disability (STD)
All Employees
Voluntary Long
Term Disability
(LTD)
FT Employees
Employee
Assistance
Program (EAP)
All Employees
Upon date of hire
401(k)
All Employees
Age 21; After 1 year of
service with a
minimum of 1,000
hours every first day of
January, April, July, or
October.
Based on a
combination of service This state mandated benefit is offered through the state of NJ. Insurance coverage is
and earnings as
provided to supplement income in cases where employees are disabled due to injury or
determined by the state illness not incurred while on the job.
of NJ.
After 180 days of service
CIGNA: Continued salary supplement up to monthly max. provided following termination
of short-term disability or worker's comp.
Magellan: This benefit provides mental/emotional health support, to individuals in time of
need including issues involving substance abuse. Group or individual counseling is available
based on a need in a variety of settings including over the telephone, in-person, or as an inpatient. Additional work/life benefits include dependent care referrals, legal and financial
planning assistance.
Empower Retirement: Retirement savings plan permits employees to defer a portion of
salary on a pre-tax basis up to IRS limits. NCHC offers a 3% of your salary safe harbor.
Vesting schedule allows 100% vesting after 5 years of service. Loan provision available.
Distribution based on IRS rules.
Sick Time
All Employees
After 90 days of service
Personal Time
FT Employees
After 180 days of service
Vacation Time
FT Employees
After 180 days of service Non-Exempt employees earn 2 weeks of time during each of their first five years of service,
3 weeks during the next five, and 4 weeks after 10 years of service. Exempt employees earn
3 weeks of time during each of their first five years of service, 4 weeks during the next five,
and 5 weeks after 10 years of service. 80 hours carryover permitted.
2022-2023 NCHC Benefits
Note: Payroll deductions for some benefits are on a pre-tax basis.
New Jersey Earned Sick Leave: You accrue earned sick leave at the rate of 1 hour for
every 30 hours worked, up to a maximum of 40 hours per year. May be taken for personal
illness, medical appointments, or the illness of dependent family members. 40 hours
carryover permitted however no more than 40 hours can be used within one year.
Employee earns one personal day (8 hrs.) in each quarter of the calendar year as determined
by date of hire
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