Benefits Overview



Employees hired with benefit status eligibility (more than 20 hours per week) must create an account in our Benefits Focus Portal. The Benefit Focus Portal is there for you to review the benefits offered on an annual basis.  Even if you are choosing to decline benefits, you must do so through the portal.

Catholic Charities is pleased to offer a rich benefits package to its employees. Below is a brief overview of Employee Benefits, including eligibility requirements and effective dates. Further information regarding these benefits is available in the Employee Handbook.  Employees with questions regarding these benefits may speak with their agency’s Human Resources contact.

Definitions:

Full-time: Scheduled for and working 35-40 hours per week (exclusive of lunch).  Note:  Full-time for health insurance benefit is defined at 30 hours or more per week.

Part-time with benefits: Scheduled for and working between 20 and 34 hours per week. 

Part-time, non-benefit eligible: Scheduled for and working 19 hours or less per week; employees are eligible only for those benefits required by law, as well as those benefits universally available through Catholic Charities, as outlined.

Pro-rated benefits: Some benefits are reduced based on the employee’s percentage of full-time. For purposes of time off accruals, 40 hours per week is full time.  Employees working less than 40 hours (but at least 20) will continue to accrue on a pro-rated basis.

Health and Dental Insurance Rates:


Choice of several plans; eligible 1st of the month following employment in a benefit eligible position; prorated for part-time employees; employee’s portion of the premium may be deducted on a pre-tax basis (Premium Only Plan) through Section 125 Plan regulations.  For 2018 calendar-year plans, the following shows the premium cost share amounts.     

Full-time Benefit (30 hrs+)
Individual Policy:                                                 Two Person and Family Policy:
80%  of cost paid by CCDS                                   75%  of cost  paid by CCDS
20% paid by employee                                          25%  paid by employee

Part-time Benefit
Individual Policy:                                                 Two Person and Family Policy:
60%  of cost paid by CCDS                                   55%  of cost paid by CCDS
40% paid by employee                                          45%  paid by employee

Dental Insurance:

Provided through Empire Blue Cross; available to both full-time and part-time with benefits employees on the first day of the month after completion of six months of continuous service; Employee shares the cost of premiums for both individual and family plans;  the employee portion for any dental premium is deducted on a pre-tax basis (Premium Only Plan) through Section 125 plan regulations.

Full-time Benefit (35+ hrs)
Individual Policy:                                                    Family Policy:
80% of cost paid by CCDS                                      28%  of cost  paid by CCDS
20% paid by employee                                            72%  paid by employee

Part-time Benefit (20-34 hrs)
Individual Policy:                                                    Family Policy:
60%  of cost paid by CCDS                                     20%  of cost paid by CCDS
40% paid by employee                                            80% paid by employee

Health Reimbursement Account (HRA):

Available for qualifying medical and dental expenses; quarterly contribution made to employee accounts by CCDS.  Employees are eligible 1st of the month after 60 days of employment in benefit status. Confidential claims administration handled by Benefit Resource, Inc.

Employee Assistance Program (EAP)

Capital EAP provides employee assistance in the form of 24-hour telephone consultation, six face-to-face counseling appointments for employee or immediate family; training for employees and supervisors; and assistance with financial, legal matters, family work and life issues, etc.  100% of the premium is paid by Catholic Charities.

Life Insurance

Provided through Aetna; equal to employee’s annual salary rounded to the nearest $1,000; eligible on the 1st of the month after completion of 6 months of continuous service; 100% of the premium is paid by Catholic Charities. Maximum of $50,000; Coverage reduces by 1/3 at age 65, and an additional 1/3 at age 70.  This group term coverage terminates when employment ends, at age 80, or retirement, whichever occurs first. 

Supplemental and Dependent Life Insurance

Coverage is also available on a voluntary basis, enrollments to be held semi-annually, effective January 1st and July 1st.  These voluntary benefits also have reductions of 35% at age 65, additional 25% at age 70, and 15% from age 75-80, when coverage ends.  (Note:  The July enrollment is only for benefit-eligible employees hired after July 1 but before Dec. 31 of the previous year). Evidence of insurability must be completed and is subject to review and approval by Lincoln Financial.

New York State Short Term Disability Insurance (NYS STD)

Provides benefit of 50% of average weekly wages up to a maximum of $170/week for up to 26 weeks; Employees are eligible following 30 days of employment.

Long-Term Disability  

Provided through  Aetna; equal to 60% of full-time and part-time-with-benefits employees annual salary to a maximum of $60,000 to age 65; eligible on the 1st day of the month after completion of six months of continuous service; 100% of premium paid by Catholic Charities.

NYS Paid Family Leave (PFL)

Provides benefit of 50% of average weekly wages up to a maximum of $652.96/week for up to 8 weeks of leave during a rolling 12 month period in accordance with NYS Paid Family Leave Act. Employee pays 100% of premium as established by New York State.

Voluntary Benefits

Pension Plan

Lay Employees’ Pension Plan of Roman Catholic Diocese of Albany - “defined benefit plan”. For benefit-eligible employees who enroll and make the required contributions (2% of gross annual salary, after-tax employee contribution); open enrollment is July 1st following employment (although vesting is credited back to new employee’s date of hire if commitment to the plan received before the next July 1st enrollment); Plan assets are invested in accounts by the investment administrator selected by the Roman Catholic Diocese of Albany; employees 100% vested in their own employee contributions and the interest earned thereon; five years of vesting services required to become fully vested in the employer’s portion of employee’s benefit.

Flexible Spending Account (FSA)

Available to benefit eligible employees for qualifying Medical, Dental or Dependent Care costs; Salary Reduction Agreements are required; eligible for participation on the first of the month following date of employment or at the next open enrollment period; 100% employee paid; maximum of $2,550 for medical expenses and maximum of $5,000 for dependent care expenses on a pre-tax basis (for expenses incurred in the balance of the calendar year); Confidential claims administration handled by Benefit Resource, Inc.

Tax Sheltered Annuity – 403B Plan

Vanguard, Mutual of America and Fenimore Asset Mgmt (FAM) funds; available through payroll deduction for full-time and regular part-time employees; Salary Reduction Agreement is required; 100% employee contribution; in 2018 employees may contribute 100% of their salary up to $18,000/calendar year, and an additional catch-up amount of $6,000 is allowed for employees over 50.

AFLAC

Voluntary supplemental plans for Cancer and Accident Protection(with a disability rider) for benefit-eligible employees ; Employees who work 20 or more hours/week will be eligible to elect coverage at the next open enrollment period following completion of their sixth month anniversary; 100% employee paid (portable).  Enrollments to be held semi-annually, effective January 1st and July 1st (Note:  The July enrollment is only for eligible employees hired after July 1 and before Dec. 31 of the previous year.)

Time Off

Holidays

Twelve (12) holidays observed include: New Year's Day, Martin Luther King, Presidents' Day, Good Friday, Memorial Day, 4th of July, Labor Day, Columbus Day, Thanksgiving, the day after Thanksgiving, Christmas Eve and Christmas Day.  Hours provided are pro-rated for benefit eligible employees working less than 40 hours per week.

Combined Leave Time (CLT)

Accrued from date of hire for full-time and benefit eligible part-time employees; up to three days may be used during first six months of employment; accruals increase annually, assuming continuous employment, according to the agency accrual schedule; part-time employees accrue on a pro-rated basis. (CLT time includes vacation, sick, personal, and bereavement time.)  Accrual during 1st year of employment is 6.47 hours per pay period for full-time 40 hour employee.  Employees working less than 40 hours accrue based on their percentage of full-time. A maximum of 3 days may be used during the first six months of employment.

Medical Leave Time (MLT)

Accrued from date of hire for full-time and regular part-time employees working 20 hours or more per week; full-time employees accrue six medical leave days per year; part-time employees accrue on a pro-rated basis; may be used after five days of continuous personal absence with physician’s note or for approved PFL or FMLA absences.

Mutual Aid Pool

The Mutual Aid Pool was created to provide paid leave to an employee who is experiencing a catastrophe that requires him/her to be out of work for an extended period of time without pay.  It is available to all employees who meet the criteria.  Periodically employees are asked to contribute up to two days of their CLT hours to the pool for this purpose.  Employees with qualifying circumstances may confidentially request this benefit in writing from their agency Executive Director.  All requests are reviewed by the CEO and the Mutual Aid Pool Committee.

Jury Duty 

Employees are granted paid time off at base pay, however, employee is required to reimburse Agency any amount received for jury duty exclusive of meal allowance and mileage; subpoena or notice must be given to supervisor; employee is expected to report for work if less than a full-day court involvement.

Military Leave

Per Uniformed Services Employment and Reemployment Act of 1994; benefit time does not accrue but military service is considered as actual work time toward retirement; CLT time may be applied.

Miscellaneous

Malpractice Insurance

Professional liability coverage provided under the Diocesan Insurance Program for all professionals while working as employees for the Agency; this insurance does not cover consultants or independent contractors.

Professional Development

Paid leaves may be granted and require prior approval of supervisor and department head to attend conferences and seminars. If attending under the sponsorship of the Agency, the Agency will cover the legitimate expenses for that conference. In some cases, the Agency may not be able to sponsor attendance of employee but the Agency may allow an employee to use paid leave (CLT).  Employee would be responsible for all costs related to the conference, travel, etc.

Education Assistance

Payroll Distribution:

Bi-Weekly every other Friday

Direct Deposit

Available with any bank or credit union, up to a total of three deposits or three accounts (same or different institutions).

Performance Evaluations and Wage Adjustments

Individual Staff performance is reviewed annually and salary increases are considered and given based on individual performance and the agency’s economic position and available funding.

The above overview is intended to provide a brief summary of Employee Benefits offered by Catholic Charities of the Diocese of Albany.  Further information regarding the above described benefits is available in the Employee Handbook.  Employees with questions regarding these benefits may speak with their agency’s Human Resources contact.

Need Help? Have Questions? Please Contact:

Susan Cipolla, Director of Human Resources at: 518-453-6650 or This email address is being protected from spambots. You need JavaScript enabled to view it.

Catholic Charities Disabilities Services
1 Park Place, Suite 200 Albany, NY 12205
(518) 783-1111 (518) 785-4894

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