BENEFITS
NVFS offers a variety of benefits to staff who work a minimum of 51% time or more than 19.125 hours per week. These benefits include health, dental, vision, life insurance, a flexible spending plan, income protection, a retirement savings plan, annual and sick leave. Detailed information is available through specific plan documents, copies of which are located in the Human Resources Department. The agency shares a significant portion of the rates for health, dental and vision insurance for employees working 100%. NVFS' contribution is prorated based on the percentage of time worked for employees working less than 100%.

HEALTH INSURANCE
NVFS offers three Kaiser Permanente health plan options to suit the needs of employees: the HMO Signature Plan, the HMO Select Plan and the POS Plan.

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DENTAL INSURANCE
NVFS offers AETNA dental insurance. This is a dual option DMO/PPO that provides 100% coverage for preventive care, such as cleaning, basic, simple tooth extraction and major periodontal and endodontic services.

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VISION INSURANCE
NVFS offers VSP Vision Insurance which provides for eye exams and lenses every 12 months and frames every 24 months, each with a $10 co-payment.

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LIFE INSURANCE
NVFS provides group life insurance equivalent to one time your annual salary up to a maximum of $50,000 for benefit eligible employees after completing four months of consecutive employment. In addition, AD&D coverage is provided for benefit eligible employees (after completing four months of consecutive employment) in the event of an accidental bodily injury, which causes loss of life or limb.

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LONG-TERM DISABILITY
NVFS provides long-term disability insurance for benefit eligible employees after completing four months of consecutive employment. Premiums are paid by NVFS. The benefit pays 60% of your monthly base salary to a maximum monthly benefit of $5,000 and is payable after a 90 day elimination period.

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VOLUNTARY LIFE INSURANCE
Benefit eligible employees may purchase additional term life insurance up to a maximum of $500,000. In addition, AD&D coverage is also available for benefit eligible employees in the event of an accidental bodily injury, which causes loss of life or limb. Voluntary Life Insurance is also available for a spouse and/or children of benefit eligible employees.

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FLEXIBLE SPENDING PLAN
This plan enables NVFS benefit eligible staff to have a specified amount of pre-taxed money deducted from your paycheck each pay period. These dollars are set aside in a reimbursement account and subtracted from your gross earnings before any taxes are taken out.

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ANNUAL LEAVE
NVFS benefit eligible employees receive Annual Leave based on length of service, and if less than full- time, prorated based on percentage of hours scheduled to work.

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SICK LEAVE
NVFS benefit eligible employees will receive 15 sick days per year prorated based on percentage of hours scheduled to work. Accrual is capped at 675 hours.

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PAID HOLIDAYS
All benefit eligible employees are entitled to ten holidays each calendar year--eight Federal holidays, one floating holiday, and the day after Thanksgiving.

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401(K) RETIREMENT PLAN
All NVFS employees over the age of 21, (except those who are non-resident aliens with no U.S. source of income and those who are treated as independent contractors), may opt to have a percent of their compensation up to the maximum amount permitted by law deposited in a 401(k) plan. After one year of employment, NVFS will contribute six percent (6%) of the employee’s salary into the 401(k) plan for employees working at least fifty-one percent (51%). The minimum vesting period to receive a portion of NVFS contribution to the 401(k) plan is three years with full vesting after five years. The 401K-contribution limit for 2007 is $15,500; for anyone over age 50, an additional $5,000 can be contributed as “catch-up” contribution.

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EMPLOYEE ASSISTANCE PROGRAM
NVFS offers an Employee Assistance Program, (administered by INOVA Employee Assistance), which provides free counseling services for benefit eligible employees and immediate family members. (Call 24/7 toll free : 1-800-346-0110 or visit www.inovaeap.com)

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INCOME PROTECTION
NVFS offers Voluntary Supplemental Benefits from Colonial Insurance--short-term disability, cancer, accident and critical illness insurance are available for purchase.

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LEGAL PLAN
NVFS offers affordable, convenient legal services which can be utilized through the Hyatt Premier Legal Plan and is available to NVFS benefit eligible employees.

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OTHER BENEFITS
NVFS offers flexible work hours, free parking, Business Casual Attire; membership with the Apple Federal Credit Union; and discounts for auto/home insurance through MetLife.

Please note that THRIFT SHOP employees’ “Annual Leave” benefits vary from other agency employees. (See Clock Tower Thrift Shop Personnel Policy & Procedures employee manual for explanation of this benefit.)