Employee Benefits Program

The benefits we offer are comprehensive and competitive, and include medical, dental and vision insurance plus company-paid life and disability coverage - all beginning on your first day of work. In addition, after a suitable employment period, we offer a 401(k) investment plan with a company match contribution up to 2 ½ percent as well as a tuition reimbursement plan.

Employee Recognition Program
At Response Insurance, we know that a big part of our competitive edge depends on employees who enable us to reach our goal of providing 100% customer satisfaction. Accordingly, we have a multi-tiered Employee Recognition Program that provides outstanding individuals with the company-wide honors they deserve for the significant contributions they make to our company's continuing success.

• Preferred Provider Organization (PPO)
• Preventive care covered at 100%
  Basic services covered at 80%
  Major services covered at 50%
• Annual maximum, $1,500 per member
• Orthodontia coverage, $1,000 lifetime maximum

• Only available to those electing dental benefits
• In and out-of-network benefits
• $20 office co-payment for exams and materials
• Premium included with dental

• No cost to employee
• Benefit of twice annual base salary (maximum of $700,000)

• Option to purchase additional life insurance of up to 2X salary
• Premium is based upon age, income and if you are a smoker or non-smoker

• Option to purchase dependent life insurance
• Cost for coverage will be $.83 per pay period for as many dependents as you wish to cover

• Covers an employee out for 8 or more consecutive days due to disability
• Salary continuation plan based on length of service with $1,000 weekly maximum
• Benefits are payable for 26 weeks of disability in a period of 52 consecutive calendar weeks or during any one period of disability

• Effective after Short Term Disability has ended
• Benefit is 66 2/3% annual base salary (maximum monthly benefit of $10,000)

• Company match of 2 ½ % if contribution is at least 5% of pay
• 12 different investment vehicles
• 3-year vesting cycle for company matching dollars
• Loan provisions & Rollovers
• Guaranteed 3% bonus
• Roth 401(k) option is available

• Contribution can be made on a pre-tax basis to a health and/or dependent care reimbursement account. You may elect a specific amount to be withheld from your pay.

• Health care reimbursements cover items not covered under the medical and/or dental plans such as insurance deductibles and co-insurance payments
• Contributions per year:
  Minimum - $100
  Maximum - $3,500

• Dependent care covers expenses for eligible dependents that are under age 13 or physically or mentally unable to care for themselves
• Contributions per year:
  Minimum - $120
  Maximum - $5,000 ($2,500) if married & filing separate tax returns

• Available to employees who have completed one year of service and are working toward an undergraduate or masters degree program, which is related to their job
• Annual caps:
  - Full-time employees $2,000
  - Part-time employees $1,000
• Reimbursement is based upon grade achieved for the class

• Six holidays per year.
• Five floating holidays that may be used for religious or ethnic observances, or any other purposes.
• Employees initially receive two weeks vacation per year, which increases with years of service

• Free counseling and information services via telephone or web site to employees and their family members.