IBJI
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Employee Benefits Highlights

Medical Insurance

IBJI offers two PPO plans through BCBS of Illinois with a $30 Physician’s office co-pay with routine/wellness covered 100% after the co-pay.  Both plans have prescription drug coverage and the co-pays are $10 for Generic, $40 Brand Formulary and $70 for Non-Formulary.  IBJI covers 85 – 90 percent of the cost for the employee’s coverage and the employee is responsible for 100% of the cost of dependent coverage.

Profit Sharing and 401(k)

Employees (over age 21) become eligible after one year of employment and 1000 hours.  Participation in the plan will commence on January 1 or July 1 following the 1 year anniversary.  Elective pre-tax contributions may be made by the employee up to the limits established by the federal government and employees over 50 can contribute a “catch-up” contribution as well. IBJI decides each year whether matching contributions and/or profit sharing contributions will be made on behalf of all eligible employees. The current matching contribution is $0.25 for each $1.00 the employee contributes, not to exceed $300.00 per plan year. IBJI’s profit-sharing contribution for the past several plan years has been 5% of base salary. IBJI’s matching contributions and profit sharing contributions are subject to a six-year vesting schedule.

Paid Time Off

All Vacation/Personal Accrual and Sick Days are combined into a Paid Time Off (PTO) Accrual. Accrued hours can be used after 90 days of employment. The accrual schedule for full-time employees is given below:
 

Years of Service Paid Time Off Accrual
5 years and less 4.9231 hrs./pay period – 16 days
Over 5 years 6.4615 hrs./pay period – 21 days

 

Part-time employees who work a minimum of 16 to 39 hours per week, all year are eligible for PTO benefits on a pro-rata basis.  At the end of the calendar year, employees have three options: (1) they may carryover to the following calendar year up to 40 hours of accrued PTO, or (2) they may carry over up to 40 hours and choose to be paid out for up to 80 hours, or (3) they may carry over up to 40, be paid out for up to 80 and/or bank up to 120 hours of accrued PTO into a “Sick Bank.”  These “Sick Bank” hours can only be used when an employee is on an approved FMLA Leave.  At this time the “Sick Bank” accrual is limited to 240 hours.  “Sick Bank” hours will also be paid out at the time of termination of employment. 

Life Insurance and AD&D

IBJI provides $25,000 of Life and AD&D coverage for each employee ($50,000 for managers). Additional voluntary life is available in four amounts: $50,000, $100,000, $150,000 and $200,000. Voluntary coverage is also available for the spouse, if eligible, for 50% of the employee’s amounts to a maximum of $100,000. Children may be insured for $5,000 or $10.000 for a flat fee of $.39 or $.78 per pay period.

Holidays

All IBJI offices close for the following six paid-holidays; New Years Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day and Christmas Day .  When certain holidays occur on a Saturday, the paid holiday is normally observed on the preceding Friday. When the holiday occurs on a Sunday, the holiday is usually observed on the following Monday.

Disability Insurance

IBJI provides all full-time employees with Long Term Disability Insurance coverage that covers 60% of the employee’s monthly salary, up to a maximum monthly benefit of $10,000, if you suffer a disabling accident or injury on or off the job.  There is a 90-day elimination period, with benefits payable for a two-year period in your own occupation and, under certain circumstances, to age 65. Employees are also eligible to purchase Short Term Disability (STD) Insurance, which covers the first 90 days of a disability.  The rates for STD vary on the basis of the employee’s age and salary level.

Voluntary Dental Insurance

IBJI offers an HMO and two PPO dental plans.  The cost for the various types of coverage is paid for by the employee.

Other Benefits

Among the other benefits available to the IBJI employee are the following: Flexible Spending Account plan, which enables the employee to pay out of pocket medical expenses and dependent day care expenses with pre-tax dollars, Transit and Parking Benefit Program; opportunity to join HealthCare Associates Credit Union and other local Bank’s Workplace Direct Services programs; access to five AFLAC voluntary insurance programs; and, the free use of an Employee Assistance Program, which provides 24-hour confidential consultation, personal support and referrals to community resources regarding virtually any kind of personal, family, legal, financial or job-related problem.

Note: Usually, insurance benefits are effective after 30 days of employment and employees must work a minimum of 30 hours per week to be eligible.