Employees Are Our Most Important Asset

At Cardinal McCloskey Services we believe that our employees are our most important asset. With this in mind we have designed our benefit package to compliment your earnings and to provide a security net to you and your family.

Your benefits provide a substantial addition to your earnings and may allow certain tax advantages that will help you even more. In order to take full advantage of them it is important that you clearly understand them. Our Human Resource Department will be happy to help as needed. At this time our benefits package includes the following:

Time Off

As much as we may enjoy our work we all need time to relax and enjoy life. The following is time that you are entitled to take with pay.

Holidays

New Year's Day Martin Luther King Jr. Day President's Day Good Friday Memorial Day Independence Day Labor Day

Columbus Day Veterans Day Thanksgiving Day Day After Thanksgiving Christmas Eve Christmas Day

Vacation

You will accrue 10 vacation days in your first year of employment. In recognition of your service, an additional day of vacation is added for each year you complete to a maximum of 20 days. Supervisory, professional and administrative staff earns 20 days per year. Vacation time may be used immediately as earned. There is no wait to use time that you have earned.

Personal

Each employee may earn up to 4 Personal Days per year. One will be posted to your account at the beginning of each calendar quarter. You may use each day as soon as it is posted. It is earned after working the complete quarter. All personal time ends at the end of the calendar year.

Sick Time

Annual Sick Time

You may earn 1¼ sick days per month accumulating up to 15 sick days per year to a total of 75 sick days. You may use 5 of your 15 annual earned sick days in case of an illness in your family. We define family as: child, spouse or parent.

Disability Plans - Short Term & Long Term

Consistent with our commitment to maintaining a safety net for our employees, Cardinal McCloskey Services provides a cost free Long Term Disability Plan (LTD) for benefited staff. If the unfortunate should happen and you become disabled, our short-term disability policy will cover you for the first 26 weeks. Our Long Term Disability Plan begins after this 26-week period and can last until retirement age. This means that you would be able to receive up to 60% of your monthly salary (up to $6,000 monthly) until retirement age.

Health Insurance Plan

Recognizing the daily economic challenges that our staff face we are committed to keeping medical insurance cost as low as possible. At this time modest co-pays for individual and family coverage are required on a sliding fee basis. Our surveys tell us that these costs are among the lowest in the field.

We offer the following plan:

Oxford Health Plans (www.oxhp.com)

Oxford's plan covers doctor, hospitalization and prescription services. You must choose a Primary Care Physician from their list of doctors. Your PCP will furnish medical care, refer you to specialists when needed and arrange for hospitalization. Office visits are $10.00 per visit. Co-payment for emergency room care is $50.00. Prescription co-payments are $5.00 for generic and $10.00 for brand names. There are no claim forms to fill out. A basic preventive dental program is included (exams, x-rays and cleanings only). They have a discounted price list for other dental work. Dental office visits are $10.00 per visit.

This plan summary is for your assistance but do not constitute a contract. In all cases the provisions of a plan is stated in the plan brochures furnished by the carrier.

Financial Opportunities

Flexible Spending Accounts

We provide a full range of IRS authorized Flexible Spending Accounts. These tax-sheltering accounts permit you, on an annual basis, to put salary dollars away tax-free. You may then use these funds to pay for (1) most uninsured medical expenses, (2) qualifying dependent care and (3) commuting expenses.

Credit Union

Many of our staff find a credit union helpful. Accordingly, the Municipal Credit Union (www.nymcu.org) has been made available to you. Savings, Checking, Holiday accounts, Vacation accounts and other bank-style accounts are available to you through payroll deduction.

Tax Deferred (Sheltered) Annuity Plan

The Agency makes available to you a selection of tax deferred annuity plans (403B) through Mutual of America (www.mutualofamerica.com) to assist you in saving for your retirement. These accounts permit you to save pre-tax dollars through payroll deductions. Each plan permits participants to select from among several investment options including a "fixed percentage" account.

Life Insurance

Employee Life Insurance

As a full-time employee, you are covered by a life insurance policy equal to your annual salary. The policy is paid for by the agency and issued to your beneficiary. In case of accidental death, the indemnity is doubled.

Supplemental Insurance

Supplemental life insurance for you or for a family member is available through Metropolitan Life Insurance Company (www.metlife.com). Premiums can be paid through payroll deduction.

Retirement Plans

Archdiocese Pension

Once enrolled in the plan, Cardinal McCloskey Services makes regular contributions to the plan based upon the employee's overall earnings during employment.

Supplemental Pension

Cardinal McCloskey Services provides an additional pension plan to further supplement your pension benefit.

Driver Safety Courses

Safe drivers are a benefit to everybody. Cardinal McCloskey Services offers a Driver Safety Course at several different sites throughout the year. A registration priority is given to drivers who transport our clients. Available space is open to staff in good standing with the permission of their supervisor. Completion of the course entitles the employee to a 4-point reduction on any violation points on their license and a discount on their insurance. The course is given during work hours and staff may attend as part of their workday. The Agency will even pay your enrollment fee.