Benefits

We are SWCA and our people make all the difference.

This is why we are committed to offering an industry-leading, affordable, and diverse benefits program that supports and reinforces a healthy mind and body. Benefits are effective the first of the month following the start date, typically eliminating any gap in coverage.

Health Benefits

• Medical plan options include an employee-only plan that is 100% company-paid, coverage for domestic partners, expanded women’s and reproductive health coverage, and transition care.
• Dental plan options include basic services with optional upgrades for adult orthodontia.
• Vision plan options cover exams or allow for new frames every year.
• Plans include Cancer Expert Now – a care navigation program that provides access to the world’s top cancer experts.
• Accident, Critical Illness, and Hospital Indemnity plans offer supplemental health protection for you and your family.

Tax Savings Benefits

• HSA/HRA options are funded up to $1500 annually by SWCA.
• Flexible Spending Accounts (FSA) options help you pay for expenses related to medical care, dependent care, and commuter costs.

Paid Time Off

• Paid Vacation Time - All full-time, regular-status employees begin accruing paid vacation on their first day.
• Paid Wellness Time - Gives you the flexibility you need when planning for the health needs of you and your family.
• Paid Family Leave – Paid time off that includes Paid Parental Leave to care for a newborn child or placement of a child, Paid Pregnancy Loss Leave for miscarriage or other pregnancy loss, and Paid Medical Leave to care for yourself or a qualifying family member due to a serious medical condition.
• Paid Volunteer Time - Through the SWCA Gives Back program, each employee has paid hours to use toward volunteer efforts.
• Paid Holidays - Each employee receives 10 paid holidays annually, which includes one floating holiday.

Retirement 

• 100% Employer-Funded Employee Stock Ownership Program (ESOP). SWCA’s ESOP provides an investment account that is funded on an annual basis. These distributions are based upon company performance and typically amount to 4-6% of annual salary.
• 401(k) options include an additional way for you to save for retirement through your choice of Traditional and Roth Deferrals via payroll deduction.
• Employer-paid financial planning advice is available when creating a family budget, estate planning, and saving for retirement.

Life & Disability

• Life / AD&D Insurance - Employer-paid life and accidental death and dismemberment coverage for 1x annual salary. Generous opportunities to increase coverage for yourself and your family are offered annually.
• Disability Coverage - Employer-paid benefits for income replacement during a long-term disability. Supplemental short-term disability coverage is available to employees, even in areas that provide state-funded coverage.

Additional Support

• Employee Assistance Program (EAP) is available to all employees and members of their household. The program provides professional counseling and expert referrals for a wide array of personal and work-related concerns.
• Pet insurance options extend protection to pets of all ages from emergency vet bills to basic preventative care.
• Legal plan options help reduce the cost of legal document preparation and provide qualified advice and assistance when legal support is needed.
• Identity theft coverage options protect your family in the event that your online passwords are stolen, and up to a full $1 million identity theft insurance policy. It even extends to social media reputation monitoring for everyone living under your roof.

• Transparency in Coverage Information
  Under the Transparency in Coverage Rule, issued in 2020 by the U.S. Department of Health & Human Services, U.S. Department of Labor and U.S. Department of the Treasury, health plans who sponsor employee benefit plans and health insurance issuers must publish two separate MRFs.

  In Network: Negotiated rates for all covered items and services between the plan or issuer and in-network providers

  Out of Network: Allowed amount paid to, and billed charges from, out-of-network providers for all covered services within a 90-day period
  
  The links below lead to the machine-readable files that are made available in response to the Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to access and analyze data more easily.
  Cigna Healthcare: https://www.cigna.com/legal/compliance/machine-readable-files
  HMSA: http://www.hmsa.com/transparencymrf
  Kaiser Permanente: https://healthy.kaiserpermanente.org/southern-california/front-door/machine-readable