AFS is committed to providing a full range of health, educational, developmental, retirement, and other benefits to make your life as one of our team members easier, healthier, and more secure.
Your specific eligibility for the following programs may vary, and AFS Human Resources can clarify questions for you.
AFS 401(k) Salary Reduction Plan
The AFS 401(k) Salary Reduction Plan enables you to invest for retirement on a pretax basis. You may invest up to 35% of your salary in a variety of investment options sponsored by AFS.
As an AFS team member, you are 100% vested in the amount of salary you choose to defer, and full vestment in any AFS contribution is gradually attained over a six-year period. Other benefits of the plan include self-directed stock options, Roth 401(k), and the option to borrow against plan savings. AFS may match all or a portion of your pre-tax and Roth 401(k) contributions to the Plan. Because these contributions are discretionary, they may vary from year to year. The plan is currently administered by Fidelity Investments. You will have phone and online access to your individual account.
AFS provides educational assistance to all eligible employees. Reimbursement for approved courses is based on the submission of a passing grade.
AFS continually looks for opportunities to promote from within and will attempt to fill all available positions from the pool of current employees. All positions are posted by the Human Resources Department.
Staff Referral Bonuses
Referral bonuses will be paid to employees who recommend candidates who are subsequently hired by AFS.
AFS continually expands its in-house training programs to further enhance your employee technical and professional skills.
Medical, Dental, Vision, and Prescription Coverage
AFS offers medical and prescription coverage to all full-time employees and their eligible dependents. This coverage is provided through Independence Blue Cross. The plan options under this benefit program include Keystone HMO and Personal Choice (PPO). You can access the network of providers included within these Independence Blue Cross plans by visiting www.ibx.com.
Dental coverage is provided through MetLife, with Vision coverage provided through Vision Services Plan (VSP). You may access their network of providers by visiting Metlife at www.metlife.com/dental or VSP at www.vsp.com.
Health/dental/vision plan details are as follows:
- Services can be obtained from a network provider for medical coverage or employees can use the services of physicians outside the plan network.
- Dental coverage includes 100% coverage of semi-annual check-ups when an in-network provider is used. All other approved dental procedures are up to 80% reimbursed with an annual deductible of a minimum of US$25, depending upon the type of coverage and whether the service is provided in or out of network.
- Vision care benefits include reimbursement for annual eye examinations and corrective lenses, including contacts. Reimbursement for eyeglass frames can occur as frequently as every 24 months.
- For a nominal co-payment, prescription drugs are available. The plan also offers a mail order program for prescription drugs.
AFS has taken the necessary steps to ensure compliance with the Health Insurance Portability and Accountability Act (HIPAA). AFS Notice of Privacy Practices Regarding Health Benefits may be viewed by clicking on this link.
Vacation and Personal Days
All full-time staff members are eligible for paid vacation. The minimum vacation time a staff member can accrue is 75 hours per calendar year (equivalent to ten days). Additional vacation benefits are provided based on length of service and other criteria. AFS also allows you to accrue 15 paid personal hours per calendar year.
AFS provides 8 paid holidays each year.
Employees are paid for sick leave up to an amount of time considered reasonable by AFS management.
AFS provides eligible staff members to take up to 12 weeks of unpaid leave to care for newborn or adopted children. This time may also be used to care for family members suffering from serious medical conditions.
A two-week leave per calendar year for Reserve Duty is granted to any employee who is called to serve.
A reasonable number of days with pay is granted, should you lose a member of your immediate family. A leave of one day with pay may be taken for other blood relatives.
Life, Accidental Death, and Dismemberment Insurance
Life insurance is provided to all full-time employees at a rate of two times your base salary. The maximum benefit is US$250,000. Accidental death and dismemberment insurance is provided by AFS at a rate of one time your base salary, with a maximum benefit of US$50,000.
AFS also provides travel and accident insurance for those of you who travel on company business.
Short- and Long-Term Disability
After eight consecutive days of absence from work due to illness or injury, you may be eligible for short-term disability benefits. Short-term disability benefits are provided at a rate of 60% of your base salary, with a maximum weekly benefit specified by Human Resources. Short-term disability may continue for a period of up to 90 days.
Long-term disability is a source of additional benefits for employees after a waiting period of 90 days. Long-term disability benefits are provided at a rate of 60% of your base salary, with a maximum monthly benefit specified by Human Resources. In compliance with federal and state laws, Workers’ Compensation benefits are provided.
Flexible Spending Accounts
AFS has established a program to assist you in paying for certain medical, dental, and dependent care expenses on a pretax basis. This program enables employees to contribute to Medical Reimbursement Accounts or Dependent Care Reimbursement Accounts, also known as flexible spending accounts. Eligibility begins with employment, or if not elected at the time of employment, the entry date for flexible spending account benefits is June 1.
Clear, Ongoing Communications
Knowing that organizations best move forward when they have a clear and consistent message about where they’re going and how they get there, AFS provides a monthly newsletter that covers company initiatives from the top-down. This publication not only enables you to hear firsthand what our senior executives are thinking and strategizing about but also provides you the opportunity to get to know each other a little better, with personal perspectives, insights into what some of us do in our off-hours, and coverage of AFS social and charitable initiatives.
AFS is interested in you in total and is committed to providing for your overall health and well-being. AFS runs a number of wellness initiatives throughout the year, providing opportunities for exercise, weight management, and dietary counseling. In addition, AFS partners with outside sources (IBX, for example) to support initiatives related to smoking cessation and diabetes management. Also, AFS is a smoke-free environment.