In today’s competitive staffing arena, benefits are a critical element for contract employees. Top Echelon Contracting firmly believes that quality benefits attract quality candidates and also provides a motivation force for contractor retention. As the employer, we can offer the following benefits to our contract employees. Contractors may choose any combination of these benefits. The majority of the benefits can be pre-taxed payroll deductions.

Health Insurance: This is a national PPO Plan available to all contractors who work at least an average of 25 hours per week. Prescription coverage is included. The cost of the medical coverage is based on individual, employee and spouse, employee and child(ren), or family coverage. The employee is responsible for paying 50% of his/her premium, along with any dependent premiums.

Dental Insurance: Every employee who works at least an average of 30 hours per week has the option to elect dental insurance. This is a voluntary plan where the employee can choose to see any dentist. 100% of the usual and customary cost is covered for preventive procedures immediately, 80% for restorative procedures immediately, and 50% for major procedures after a 12-month waiting period. The cost to the employee is based on individual, employee and spouse, or family coverage.

Vision Insurance: This voluntary plan is available to all contractors who work at least an average of 25 hours per week. The vision plan includes savings on vision exams, frames, lenses, and contact lenses. A laser vision correction benefit is also included.

Life Insurance: This Voluntary Group Term Life Insurance policy is available to all contractors who work at least an average of 20 hours per week. The contract employee may buy the life insurance in multiples of $10,000 up to $300,000, not to exceed six times their annual salary. Additional life insurance may be purchased for spouse and children. These policies are portable, meaning they can stay with the contractor even if he/she leaves Top Echelon Contracting’s employ.

Accidental Death and Dismemberment Insurance: Included in the above life insurance policy is AD&D coverage. If a covered employee loses their life caused by an accident, the life insurance amount will be doubled. If the covered employee loses their hand, foot, or sight of one eye caused by an accident, half of the life insurance amount will be paid. If the covered employee loses two of the above caused by an accident, the life insurance amount will be doubled.

401(k) Savings Plan: Each active employee has the option to join our 401(k) Savings Plan at the end of six months of continuous employment. The employee can contribute up to 90% of their salary up to the 2005 maximum of $14,000 ($18,000 if age 50+) and Top Echelon matches .25¢ of each dollar contributed by the employee up to the employee’s first 4% of his/her pay. The employee may roll over previous employer’s 401(k) money into Top Echelon’s 401(k) immediately.

AFLAC: Top Echelon Contracting offers voluntary supplemental insurance through AFLAC to contract employees. If the covered employee is interested in any AFLAC policies, they can call Top Echelon Contracting at (888) 627-3678 or email the benefits administrator at hr@topechelon.com. We will arrange for AFLAC to send the employee separate information in the mail. There are six different voluntary policies to choose from: Disability Insurance, Personal Accident Plan Levels I & II, Voluntary Indemnity Plan Levels I & II, Cancer Protector Plan Levels II & III, Intensive Care Protection Plan, and Long-Term Plan. The covered employee can choose all six or any combination. These policies are portable, meaning they can choose to keep this coverage even if he/she leaves Top Echelon Contracting's employment.