Employees who work at least 75% of full–time (30 or more hours per week) are eligible for the following benefits the first of the month following successful completion of the initial evaluation period.

• Health Insurance:
  One of our plans is at a low cost to the employee for individual coverage. Employee + 1 and family coverage is also available for an additional cost to the employee.
• Dental Insurance:
  No cost to the employee for individual coverage working full-time, family coverage is also available for an additional cost to the employee.
• Flexible Spending Plan:
  Pre-tax contributions, via payroll deduction allows enrolled employees to pay child and dependent care costs, and unreimbursed medical expenses/some over the counter medications with pre-tax income.
• 401(k) Plan:
  Employees are eligible, once they work 250 hours in a calendar quarter. Employees may choose their investment options based on available investment funds through pre-tax payroll deductions. The Agency will match the employee contribution to a specified maximum (currently, Enable contributes 60% of the employee 401(k) deferral up to 5% of their annual salary).
• Registered Investment Advisor:
  Employees who participate in the 401(k) Plan or are enrolled in the Pension Plan may utilize the Registered Investment Advisor to assist in financial planning.
• Medical/Dental Opt-Out Program:
  Eligible employees who elect not to participate in the health and/or dental insurance plans, and are covered by a non-Enable plan, may be eligible to receive a taxable credit at the end of each plan year.
• Paid vacation, holiday, sick, personal and bereavement time:
  (dependent upon employment category and hire date)
• NYS Disability Insurance:
  Pays a weekly benefit for a medically-approved leave based on 50% of salary, up to a specified maximum. Benefits begin after a five working day waiting period and continues for up to six months. (Must have worked 25 days to receive this benefit.)
• Direct Deposit:
  Allows enrolled employees the convenience of payroll direct deposit into any number of accounts and banking institutions. (No waiting period)
• Credit Union Membership:
  (No waiting period)

First of the month following three months of employment:

• Short-Term Disability Insurance:
  No cost to the employee and supplements NYS Disability to provide 2/3 of salary from the thirty-first day thru the sixth month of disability, based on carrier approval.
• Long-Term Disability:
  No cost to the employee and continues to pay 2/3 of salary when NYS & Short-Term Disability expires at the end of six months, based on carrier approval.
• Life Insurance:
  No cost to the employee and provides a $10,000 term life insurance policy.

May 1st of Each Year:

• Additional Contributory Life Insurance
  This plan provides life insurance in the event of death in accordance with plan terms. Employee is responsible for 100% of the premium.
• AFLAC – Personal Lifestyle Protector Cancer Plan (a specified disease insurance policy)
  This plan provides cash benefit for treatment, hospital confinement, radiation and chemotherapy when losses occur as a result of conditions caused, complicated or aggravated by or resulting from cancer or cancer treatment. Employee is responsible for 100% of the premium.
• AFLAC – Personal Accident Indemnity Plan (an Accident-Only Insurance Policy)
  This plan covers many expenses associated with a covered accidental injury, from co-payments to travel as well as death or dismemberment. Employee is responsible for 100% of the premium.

Other:

• Family and Medical Leave Act (FMLA)
  An eligible employee is defined as an employee of Enable for at least twelve months before the leave request (these need not be consecutive) who has worked for at least 1,250 hours during the previous fifty-two weeks prior to the date the leave commences.
• Pension Plan:
  Employees are eligible once they work 1000 hours in a calendar year. Eligibility begins January 1 of the following year. No cost to employees: the Agency contributes annually. Employees choose investment opportunities and can access available funds for hardship withdrawal, loans and at retirement or separation from employment based on vesting schedule.

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