Benefits Overview FInal.pdf

Benefits
At CWS, our vision is a world where everyone has food, voice, and a safe place to call home. We cannot do it without our team
members. For this reason, providing our team with a competitive salary and benefits package is important to us.
As a CWS Team Member, you would be eligible to take part in our benefits program. Your coverage will become effective
30 days following your hire date. Premiums are on a sliding scale which is based on your annual earnings and withheld
from your bi-weekly paycheck. The cost share percentage ranges from 10% to 35%, with CWS paying the difference in
the full cost of the plan. If you are insured under an alternative medical plan, you may opt out of the CWS medical
insurance and will receive an opt-out credit each pay period.
Medical Dental
With three plans to choose from, you can choose a plan You have two dental plans to choose from based on
that is affordable and will meet your healthcare needs. your family's dental needs.
$800 Deductible Plan with Co-pay Premier Dental - $2,500 dental benefits
$1,500 Deductible Plan with HSA option Enhanced Dental - includes orthodontic coverage
$2,850 Deductible Plan with HSA option
Vision Nutrition
Glasses or contact lenses can be expensive, but with our One on one sessions with a Husk Dietitian provides nutrition
vision insurance, you get an eye exam and a generous counseling covered under the CWS medical insurance.
allowance for the purchase of glasses or contact lenses.
Stress, Sleep and Diet Diabetes Management
Mindful and Intuitive Eating Disease Prevention
Meal Planning and Recipes
CWS offers pre-tax savings and spending accounts to help you offset your out-of-pocket expenses.
Health Savings Account (HSA) Medical Flexible Spending Account (FSA)
Save money by pairing HSA with the high Save money by reducing your taxable income
deductible health plans. Funds in this account can and choose how much you'd like to save, for
be invested and rolled over from year to year. medical expenses, before tax deduction.
Commuter Benefits Dependent Care Flexible Spending Account
Pay your transit or parking expenses with pre- Use pre-tax money to pay for child and elderly
tax dollars. care expenses.
At CWS, we understand the importance of securing your family’s future. We will provide you with a basic level of life and
disability insurance and options to purchase added coverage as needed.
Basic Life and AD&D Short-Term Disability

(Accidental Death and Dismemberment)
CWS will provide you with $50,000 of term life insurance You will be covered under the CWS policy at no cost,
and $50,000 of Accidental Death and Dismemberment which will provide a benefit of 60% of your earnings
coverage at no cost to you. for up to six months of disability.
Supplemental Life and AD&D Long-Term Disability
You have the choice to purchase added life and accidental Designed to start when short-term disability ends.
death insurance up to 7 times your annual earnings plus Will provide 60% of your earnings.
coverage for your spouse or children.
Aflac Coverage Employee Assistance Program (EAP)
Whole Life The plan includes coverage for yourself, your spouse, No-cost, confidential support in challenging life
and dependent children aged 15 days old to 24 years. situations. We provide our team members with 24/7
Accident coverage will pay a cash benefit for a wide range of phone/online support and eight face-to-face visits.
accidental injuries. Emotional Support Online Support
Hospital Indemnity Will pay a cash benefit for hospital admission. Work-Life Balance Wellness Resources
Critical Illness Will pay a cash benefit for certain serious illness Legal Guidance Educational Materials
diagnosis. Financial Resources On Demand Training
With our 403(b) Retirement Plan, you can build your retirement nest egg with a traditional pre-
Retirement tax, or a Roth post-tax option. You can begin saving right away or join the plan when you are
ready. The plan has investment options to choose from, including Target Date options and
Environmental Social & Governance (ESG) choices.
CWS will begin contributing 5% following one year of employment, increasing to 7% following
in year five, and 9% in year 15. CWS contributions to your retirement plan vest over time with
100% vesting in your sixth year of employment.
We value the importance of work-life balance. As a CWS Team member, you will receive a
Time OFF generous amount of vacation and sick time accrued each month, with three (3) personal days and
fourteen (14) paid holidays.
Parental Leave
Paid leave is available after one year of service for up to four weeks due to child birth or
adoption.
Family & Medical Leave
FMLA is available for eligible team members with up to 12 weeks of unpaid leave for certain
family and medical reasons

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Benefits

Health Savings Account (HSA) Medical Flexible Spending Account (FSA)

Commuter Benefits Dependent Care Flexible Spending Account

Basic Life and AD&D Short-Term Disability

Supplemental Life and AD&D Long-Term Disability

Aflac Coverage Employee Assistance Program (EAP)

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