ANPAC® offers benefits and services that account for approximately 39% over and above each Team Member's base salary. This includes:
Group Health Plan (includes Major Medical, Short-term Disability, Term Life, and Accidental Death & Dismemberment):
- Major Medical (Individual or Family Policies) provides benefits for covered expenses resulting from an illness or non-work related injury. Coverage is also provided for eligible preventative care. Major Medical includes a Prescription Card Service and a Prescription Home Delivery Service, which offers at-home delivery of prescriptions.
- Short-term Disability* is part of the Group Health Plan and is designed to replace a portion of your weekly compensation while under doctor's care and unable to perform your job duties.
- Term Life Insurance and Accidental Death & Dismemberment plans are paid by ANPAC and are equal to twice the Team Member's annual salary, up to $100,000.
*ANPAC® pays approximately 70% of the Major Medical & Short-term Disability premiums and 100% of the Term Life and Accidental Death & Dismemberment premiums.
Additional Insurance:
- After 2 years of service, Team Members are automatically covered under American National's Long Term Disability plan. LTD is fully paid by ANPAC.
- Voluntary Group Term Life (individual or family policy) Premium rates are age-banded.
- Voluntary Accidental Death & Dismemberment (individual or family policy) Premium rates are based on coverage selected.
- Discounted Auto Insurance through ANPAC's BenefitsXpress program is available for those Team Members who have their personal automobile(s) and home insured by ANPAC.
Dental and Vision:
- There is a Voluntary Vision Insurance Plan and a Voluntary Dental Insurance Plan available to ANPAC Team Members.
Flexible Spending Accounts (FSA):
- There are two types of Flexible Spending Accounts: Health Care Account and Dependent Care Account. These accounts allow you to pay for certain health care expenses or dependent care expenses with tax-free dollars. Your contributions must be used by year end or the funds are lost.
Retirement:
- There is a Retirement Plan fully funded by ANPAC. Team Members, are fully vested in this plan after 5 years. It is a "defined" plan and is based upon years of service and highest 5 years of earnings.
- The 401(k) Plan is an option Team Members have to personally supplement their retirement income benefits. Deductions are pre-taxed, and participants choose from a variety of investment funds.
Time-off Benefits:
- Vacation and floating holidays are awarded on January 1 each year, even though they are earned throughout the year. Vacation does not carry over from year to year. ANPAC observes Holidays throughout the year including; New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Day after Thanksgiving, Christmas Eve, and Christmas Day.
- Sick Leave may be used for times when Team Members are unable to work due to illness or injury. Sick time may also be used to take care of a dependent child.
Job Posting and Educational Assistance:
- ANPAC has a Job Posting program and promotes within as much as possible. This allows opportunities to Team Members who prove themselves to be professionally effective in their positions. ANPAC posts job openings for qualified Team Members to be considered for. To assist in advancement, ANPAC encourages continuation of education/training. The Education Program pays for job-related courses for full-time team members.
Other Benefits and Services:
- Employee Assistance Plan (personal and financial counseling, law phone, dependent care referral, etc.)
- Free On-site Health Screenings (Osteoporosis, Mammograms, PSA, Flu shots, Health Risk Appraisals, etc.)
- Private On-site Health/Wellness Room
- On-site Chair Massage once a week Corporate discounts to local businesses.
- Team Member of the Month Program
- Service Anniversary Awards
- Direct deposit
- Weekly Laundry/Dry Cleaning service (pickup and delivery)
- Ambassadors Club functions
- Lunchbox Lessons on topics of personal/professional interest
- Business Casual Dress with a No-Smoking Environment
- Opportunity for Community Involvement
Note: The above information includes a summary of benefits and services offered to Regular Full-time Team Members.
