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Employee Compensation & Benefits Program
American Community offers an attractive competitive package, including excellent benefits and ample opportunity for professional development.
401(k) Retirement Savings Plan
Employees at least 21 years of age can join our 401(k) Plan and save pre-tax dollars for retirement. Eligibility to join begins on the first of the month following 30 days of service. On the first of the month following six months of service, American Community matches 65 cents to every $1 employees invest up to 6% . The maximum an employee may contribute is 60% (up to the IRS limit per calendar year). A Plan participant becomes fully vested in the program after three years of service, and participants may roll funds over from other 401(k) plans prior to participation. Our 401(k) management firm is Fidelity Investments, through which we offer participants 14 different fund options to select from when investing their 401(k) contributions and Company match.
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Holiday Paycheck Program
Employees receive a Holiday Paycheck each year as a “thank you” from the Company for contributing to American Community’s success. This paycheck is paid at Thanksgiving time and is 1% of base earnings if hired before July 1st, and ½% of base earnings if hired after July 1st. This amount increases annually by 1% for each year of service (up to 5% maximum).
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Flexible Work Schedule
American Community has business hours from 8:00 a.m. through 5:00 p.m. (Eastern Standard Time) Monday through Friday. Flexible work schedules are available and determined by each departments management team. Prior to reviewing a request from an employee for a flexible work schedule, management determines how much flexibility it can allow based upon business needs, workload and responsibilities.
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Health Insurance
Employees can select either American Community’s Base or HSA Plan for themselves and eligible dependents. Our health insurance plan includes a Prescription Drug Plan, which features retail and mail order options for participants’ convenience. The employee and American Community share the cost of this benefit. A Rate Sheet is available to any employee or candidate seeking employment (at point of in-person interview).
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Dental Insurance
Employees can insure themselves and eligible dependents. The employee and American Community share cost of this benefit. A Rate Sheet is available to any employee or candidate seeking employment (at point of in-person interview).
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Vision Insurance
Employees can insure themselves and eligible dependents through Vision Service Plan (VSP). The employee and American Community share the cost of this benefit. A Rate Sheet is available to any employee or candidate seeking employment (at point of in-person interview).
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Medical and Dental Opt-Out Options and Compensation
For employees choosing not to participate in the medical and/or dental programs, opt-out amounts of $500 for medical and/or $100 for dental (pro-rated for new employees based upon hire date) will be divided by 24 payrolls, and added to the employee’s paycheck as taxable income.
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Health Care Flexible Spending Account
As an added benefit, employees who participate in either the American Community Base or Enhanced PPO health insurance plan receive a contribution from the Company to their health care reimbursement account. Amounts vary based on health insurance program selected and number of covered participants.
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Dependent Care Flexible Spending Account
Employees can set aside pre-tax dollars in a dependent care reimbursement account. Eligible day care expenses can be reimbursed bi-weekly through payroll from this account.
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Group Life and Accidental Death & Dismemberment Insurance
American Community provides full-time employees with life and AD&D insurance coverage equal to two times their annual base pay (maximum coverage is $250,000).
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Short-Term Disability (STD) Insurance
STD is available to full-time employees and benefit is to replace 66 2/3% of base salary while disabled. American Community pays the cost of this benefit. Employees become eligible the first of the month following six months of service.
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Long-Term Disability (LTD) Insurance
LTD is available to full-time employees and benefit is to replace 60% of base salary while disabled. The cost of this benefit is paid by American Community. Employees become eligible the first of the month following one year of service.
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Voluntary Accidental Death & Dismemberment Insurance
Additional AD&D insurance is available to employees and their dependents. The employee pays the cost of this benefit. A Rate Sheet is available to any employee or candidate seeking employment (at point of in-person interview).
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Voluntary Dependent Life Insurance
Employees can purchase life insurance for their spouse and/or dependent children at substantially reduced rates. A Rate Sheet is available to any employee or candidate seeking employment (at point of in-person interview).
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Paid Time Off (PTO)
American Community offers employees a Paid Time Off program (PTO) based upon years of service.
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Birthday Holiday
Employees receive a Birthday Holiday annually (in first year of hire only if birthday follows hire date). Employees may take this day off on their actual birthday or another day off with their manager’s approval (cannot be taken prior to actual birthday).
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Bereavement Pay
American Community compensates employees for a maximum of three days annually for time lost from work due to attendance at funerals, preparation of services, or grieving periods for an employee’s or employee’s spouse’s specific family members.
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Tuition Reimbursement
Tuition reimbursement is available to full-time employees with at least six months of continuous full-time service. American Community reimburses the cost of tuition and registration fees up to $4,000 maximum per calendar year for undergraduate and graduate level courses (additional provisions apply).
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Insurance Industry Education Programs (AHIP, LOMA, RHU, etc.)
America’s Health Insurance Plans (AHIP) and Life Office Management Association (LOMA) offer an excellent series of self-study courses on the insurance industry. Employees are encouraged to enroll in these courses. Bonuses are provided to employees based upon courses passed and designations achieved.
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Service Award Program
American Community recognizes long-term service to employees who attain five or more years of service. A gift selector booklet is presented to an employee after completion of his/her fifth year of service and each five-year milestone of service completed thereafter.
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Employee Assistance Program (EAP)
American Community realizes that employees can encounter a broad range of personal problems, including physical and mental illness, financial difficulties, marital or family problems, chemical dependencies, and legal problems. Almost any personal problem encountered can be managed successfully when it is identified at an early stage and assistance is sought. The Company provides such assistance through our EAP business partner, The Information Center (TIC). TIC provides a toll-free number, which connects an employee with a professional, experienced consultant. Participation is strictly confidential, and this program is offered free-of-charge to employees and their family members.
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American Community offers incentive programs to support our employees in leading healthy lifestyles.
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Community and Charity Involvement through Employee Committee Activities
A Committee of elected employees initiates, organizes and administers charity fundraising events throughout the year. Funds raised are distributed to two charities annually, chosen by popular employee vote.
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Dress Code
American Community observes business casual attire Monday through Thursday and appropriate casual attire on Friday (including blue jeans of good quality).
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Company-Provided Coffee and Tea
American Community provides employees and contractors, at no cost, coffee and tea throughout the workday.
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