Coram offers a comprehensive benefits package to its employees.  Most benefits are effective the first of the month following date of hire or change from a non-benefit eligible status to benefit eligible, unless you are hired or your status changes on the first day of the month, in which case most benefits are effective immediately. This overview will highlight some of these benefits.  More detailed and specific information is provided in a separate benefit packet.

Medical Coverage
There are two (2) PPO options for you to choose from.  The PPO options allow you to select the deductible levels, coinsurance and out-of-pocket maximums that work best for you. A Managed Indemnity Plan is available for employees in an area where there are no PPO network providers.  Employees may select employee only, employee plus one or family coverage.  Coverage is available for same sex domestic partners.

Dental Coverage
There is a comprehensive dental plan available to you. The MetLife Preferred Dental Plan provides a higher level of benefits if a PDP provider is chosen yet allows a free choice of dentist.

Vision Coverage
Coram offers a vision plan that allows you to receive care from any vision service provider for exams, frames, lenses, and contact lenses.  Discounts are available for LASIK procedures.

Life Insurance
Coram provides basic life insurance of $10,000 at no cost to you.  You may purchase additional coverage of up to 5 times your annual salary.  Benefit eligible part time employees may purchase coverage in $10,000 increments up to a maximum of $300,000.   (Evidence of Insurability may be required.)  You may also elect to purchase dependent life insurance.

Employee Assistance Program (EAP)
Coram offers this free-of-cost program for you and your household members or dependents.  EAP services are provided by local counselors in the privacy of off-site offices.  Confidentiality is totally assured for you and your household members or  dependents.

Disability Coverage
Short-term Disability is provided for employees who are regularly scheduled to work 24 hours or more per week.  There is an eligibility period of 90 days.  Following a waiting period of 14 days, 60% of  base earnings may be payable for up to 24 weeks.  PTO, if available, must be used to cover the waiting period. Long-term Disability may be payable following six months (26 weeks) of continuous disability.  Benefits are payable at 60% of base earning up to $10,000 per month for full time employees.

Flexible Spending Accounts
Health Care Account:  You may set aside up to $3,000 a year via pre-tax payroll deductions. Dependent Care Account:  You may set aside up to $5,000 a year via pre-tax payroll deductions.  In order to be eligible for reimbursement, expenses must be incurred while you are a plan participant.

401(k) Plan
Eligibility:  You must be at least 21 years of age and have worked for Coram for six (6) months.  Enrollment and changes to contribution amounts are made quarterly on January 1, April 1, July 1 and October 1. Employees are vested at 100% of their contributions. At its discretion, Coram may offer a matching contribution. Currently no match is being made. Employees may contribute up to 25% of their pay on a pre-tax basis, not to exceed maximum dollar limits set by the IRS each year.  Participants may be eligible to take a loan against their 401(K) contributions.

Paid Time Off (PTO)
The Company’s PTO policy consists of sick, vacation and personal days combined.  Earned holidays are excluded from PTO.  PTO is accrued by paydays.  Eligible new employees begin accruing PTO in the month following their hire date.  New employees may not use PTO until they have completed the PTO 90 day waiting period.  This waiting period begins on the first of the month following date of hire.  Further details can be found in Coram’s PTO policy.

To browse our online Job Postings, click here.

To learn more about Coram, please contact us. To enroll or refer a patient to Coram, click here.