Medical

Employees can choose among three different health plans provided by United HealthCare. These plans offer employees and their dependents (including domestic partners, if eligible) access to a very large network of quality physicians and provide the option of traditional indemnity insurance coverage. Clients pay a set amount of the total health premiums and employees pay the remainder with pre-tax dollars.

Dental

Employees can choose between two different dental plans provided by MetLife Dental. These plans offer employees and their dependents (including domestic partners, if eligible) access to a very large network of quality dentists and provide the option of traditional indemnity insurance coverage. Clients pay a set amount of total health premiums and employees pay the remainder with pre-tax dollars.

Life Insurance

Ambrose offers three different group life insurance plans in the amounts of $50,000, 1 times salary, and 2 times salary. In addition, employees have the option of purchasing supplemental life insurance. All coverage is guaranteed issue.

Short Term Disability

Ambrose provides mandatory Short Term Disability Insurance to all employees. In the event of disability, this policy will compensate employees for 60% of salary and commission. The maximum benefit is $750 per week, except in California and New Jersey where employees are covered through the state mandated funds. Ambrose takes responsibility for processing all short-term disability claims.

Long Term Disability

Ambrose offers Long Term Disability Insurance that, in the event of a disability, compensates employees for 60% of salary and commissions. The maximum benefit is $12,500 per month. Ambrose takes responsibility for processing all long-term disability claims.

401(k) Retirement Plan

Employees may participate in a self-directed retirement plan with 34 mutual funds from 12 fund families (American Century, Delaware Investments, Dreyfus, Fidelity, Janus, Guardian, MFS, Franklin, Goldman Sachs, SSgA, Templeton, and T. Rowe Price). This plan has three features, including: the 401(k) component, which allows employees to voluntarily defer salary tax free; an optional matching component that allows a client to match its employees' voluntary deferrals; and profit sharing contributions.

Flexible Spending Accounts

Employees may participate in health care reimbursement accounts and dependent care reimbursement accounts. These special tax accounts allow employees to spend pre-tax wages on qualifying medical and dependent care expenses, such as vision, dental care, health care expenses not covered by insurance and qualifying day care expenses.

Worker's Compensation

Ambrose provides worker's compensation coverage for all employees. Ambrose administers the workers' compensation policy and takes responsibility for handling the year-end payroll audit.