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Learn about the opportunities CAI associates have to not only make a difference for our customers, but also in our neighborhoods and communities through our CAI Cares programs.Read more
CAI recognizes associates may experience injury or become ill periodically. To protect associates from financial loss incurred as a result of treatment and to provide a competitive compensation package, CAI offers voluntary medical care benefits. All full-time associates are eligible to participate in medical benefits including a co-pay prescription drug coverage plan, at a minimal premium per pay, based on the level of coverage chosen. The plan provided by Highmark Blue Shield is equivalent to Hospital/Surgical/Major Medical coverage. Highlights of the plan include: Full coverage for most preventative services, minimal co-pays for typical services, and 90% coverage of the Usual and Customary Rate (UCR) for other services performed by participating providers up to a modest Out Of Pocket limit. Out of network services are covered, but at a lower coinsurance percentage. Dependent children up to age 26 are eligible for coverage. If the dependent child is totally disabled, coverage can be continued past age 26 with approved certification.
To assist associates in obtaining cost-effective treatment, CAI offers a voluntary dental care plan. All full-time associates are eligible to participate in the plan provided by United Concordia (UCCI). Highlights of the plan include the following: Dental examinations and restorative treatments are covered when performed by a dentist, other physician or oral surgeon. Plan participants are eligible for two dental examinations and cleanings in any 12-month period. Preventative care is not subject to a deductible. Orthodontics coverage is provided for dependent children up to the age of 19. Dependent children up to age 26 are eligible for coverage. If the dependent child is totally disabled, coverage can be continued past age 26 with approved certification.
To assist associates in obtaining cost-effective treatment, CAI offers a voluntary vision care plan. All full-time associates are eligible to participate. The plan is administered by Davis Vision. Highlights of the plan include the following: Eye examinations and refractions performed by an ophthalmologist, another physician, or optometrist. Plan participants are eligible for an eye examination and lenses or contact lenses once in a calendar year. Dependent children up to age 26 are eligible for coverage. If the dependent child is totally disabled, coverage can be continued past age 26 with approved certification.
To help associates keep their medical/dependent care expenses as low as possible, CAI offers two flexible spending accounts. Newly eligible associates are able to elect at the time of hire, or within 30 days of a Qualified Life Event. All active full-time associates are eligible to open flexible spending accounts during the Open Enrollment period (November 1 through November 30) for a January 1 effective date. The intent of medical flex care is to pay for expenses not covered by any other medical, dental, or vision plan for the associate and their family. The intent of dependent flex care is to pay for expenses associates incur for the care of a dependent/child.
In an effort to assist our associates in keeping their commuting costs as low as possible, CAI has established two commuter benefits to allow associates to elect to set aside pre-tax dollars for work-related transportation expenses. All active full-time CAI associates are eligible to open Commuter Savings accounts. Parking Reimbursement Account uses pre-tax dollars for reimbursement of qualified parking expenses which are not reimbursed through any alternative reimbursement method. Transportation Fare Media uses pre-tax dollars for purchases of vouchers that give participants the ability to purchase any fare available through the local transit authority and private transportation companies.
To assist associates who may suffer financial loss incurred as a result of an extended leave due to a disabling condition, CAI offers a voluntary short-term disability benefit. All full-time associates are eligible to participate. The benefit amount is 70% of weekly basic earnings, up to $1000 weekly maximum, and a 13-week maximum duration.
Associates may experience catastrophic injury or illness during the course of their employment with CAI. To protect associates from financial loss incurred as a result of absence from work due to prolonged injury or illness, long-term disability benefits are provided at no cost to all full-time associates. Once a claim is approved, the LTD benefit coverage pays two-thirds of your monthly compensation to a maximum of $3000.00 per month for a condition causing disability. Additionally, eligible associates may elect up to an additional $5,000.00 a month in Voluntary Long Term Disability coverage, based on their salary level.
All full-time associates receive CAI's group base life insurance benefit. There is no premium for base coverage which offers $10,000 of life insurance, an AD&D benefit of $10,000, Spousal insurance of $2,000, and children/dependent insurance of $1,000. Additionally, eligible associates may elect to purchase voluntary supplemental term life insurance and accidental death and dismemberment insurance up to a maximum benefit of $300,000, as well as optional spousal and dependent coverage.
Unfortunately, associates may experience a work-related injury or illness during the course of their employment with CAI. As mandated by state and federal law, and in an effort to protect associates from financial loss due to an injury or illness, CAI provides workers' compensation benefits. Associates will be contacted directly by the Worker’s Compensation carrier if they have any additional questions regarding claims.
The 401(k)/Profit Sharing Plan allows associates to set aside pre-tax dollars on a regular basis through payroll deductions. The Roth 401(k) Plan allows associates to set aside post-tax dollars on a regular basis through payroll deductions. All associates (full and part-time) are eligible to participate in the voluntary payroll deduction of pre and post-tax dollars up to the IRS or Plan annual limits. All new hires into CAI are automatically enrolled in the salary deferral plan at 8% of their salary unless they specifically opt-out of participating. CAI associates enter the salary deferral portion of the plan through an online enrollment process, and all deferral election and percentage changes are effective the first of the following month after the change is entered. Catch-up contributions are also allowed on the monthly change dates. Associates may drop their percentage to zero during any pay period.
Saving for a higher education requires careful planning and a high level of commitment. The CollegeBound fund managed by Alliance Capital allows associates to set aside savings for education expenses on a regular basis through payroll deduction for the beneficiary of their choice. All associates (full and part-time) are eligible to participate in the plan. Associates may enroll in the plan at any time during the calendar year. More specific details and/or investment advice can be obtained by contacting the consultants at Janney Montgomery Scott, L.L.C. Federal regulations restrict enrollment to U.S. citizens and permanent residents.
CAI recognizes that associates may experience injury or become ill. In an effort to protect our associates from financial loss incurred due to themselves or a family member experiencing an accident or specified health event, we offer voluntary coverage through Aflac. All full-time CAI associates are eligible to elect to participate in the Aflac Plans. Aflac is available at the time of hire and annually during the Open Enrollment period held in November.
GOLD Credit Union is a financial institution that offers many of the same products and services that commercial and community banks do: savings, checking, debit cards, ATM machines, Internet Banking, bill pay, mortgages, car loans, credit cards, home equity loans and lines of credit. All CAI associates and their family members are eligible to join the GOLD Credit Union. Family members include spouse, children, parents, brothers, sisters, grandparents, and grandchildren. Membership at the GOLD Credit Union lasts a lifetime!
MetLife Auto & Home Group Insurance Program features benefits and conveniences designed to meet our diverse associate needs. All Computer Aid, Inc. associates are eligible to enroll for coverage under the MetLife Auto & Home plan for either Auto coverage, Home coverage, or both. Enrollment is ongoing; you have the ability to enroll in coverage at any time throughout the year.