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  Employee Benefits

Employee benefits at Beacon include a broad range of programs to help protect the health, wealth and future of you and your family.  Beacon invests a great deal in these programs and they represent a substantial part of your total compensation package. 

The following section is intended to provide a brief overview of the benefit plans which may be available to you depending upon your eligibility status.  

Medical Insurance

Health coverage that meets the needs of you and your family is one of the most important benefits offered to you by Beacon.  Beacon presently offers health insurance through Blue Cross Blue Shield of Rhode Island.  Eligibility begins on the first of the month following or coincident with your date of hire.  Your contribution toward the cost of the plan is published annually in a co-payment schedule.  When permitted by law, health insurance premiums may be paid on a pre-tax basis through payroll deduction.

Dental Insurance

Beacon's dental insurance plan pays a large portion of the dental care costs for you and your covered dependents.  Beacon presently offers dental coverage through Delta Dental of RI.  Eligibility begins on the first of the month following or coincident with, your date of hire.  Your contribution toward the cost of the plan is published annually in a co-payment schedule.  When permitted by law, health and dental insurance premiums may be paid on a pre-tax basis through payroll deduction.

Vision Plan

You will be enrolled automatically for vision care insurance under the Vision Service Plan (VSP) at no additional cost to you. Services are provided through a large network of providers and covers eye examinations, corrective lenses and eye glass frames.  Eligibility begins on the first of the month following or coincident with your date of hire. 

401(k) Plan

Whatever you look forward to doing after retirement, planning ahead will make it more likely that you will have the resources available to spend your time as you choose.  Beacon's retirement plan is an important part of that planning and Beacon is committed to supporting you in your efforts to save by making matching employer contributions, providing an annual employer core contribution and by offering additional annual discretionary contributions under certain circumstances.  Beacon will also provide you with a wide array of investment options and periodic educational programs to assist you with your retirement savings needs.  

Loyalty Plan 

Beacon understands the value of building long-term relationships with our employees.  The Loyalty Plan is Beacon's unique way of rewarding our loyal employees who have partnered with us throughout the years. 

Group Life Insurance and Accidental Death and Dismemberment

Beacon's group life and accidental death and dismemberment insurance programs help you build financial security for yourself and your loved ones.  The life insurance available through Beacon is term life insurance, which means you have the insurance during the time that premiums are paid.  You become eligible for the Group Life Insurance and Accidental Death and Dismemberment Coverage if you are scheduled to work at least 20 hours per week. Coverage begins the first day of the month following or coincident with, your date of hire.

Long Term Disability (LTD)

Beacon provides a Long Term Disability insurance program at no cost to you.  The LTD program provides for a monthly income when a disability extends beyond 180 days.  Coverage begins the first of the month following or coincident with your date of hire.

Flexible Spending Accounts (FSA)

If your budget includes out-of-pocket health care or dependent care expenses, then your FSA benefit can increase your income.  Flexible Spending Accounts enable you to pay eligible health care and dependent care expenses with pre-tax salary dollars.  Since less of your salary is depleted by taxes, you have more money to direct towards your family's current expenses and future savings. 

Employee Assistance Program (EAP)

As the variety of issues in today's world become more complex and challenging, we may sometimes find ourselves unprepared to deal with life's ups and downs.  As part of Beacon's commitment to you, your job and your success, it has contracted with Resource International Employee Assistance Services (RIEAS) to serve as a confidential, professional resource for helping you and your family members in your time of need.  Assistance is available 24 hours a day through:

Tuition Reimbursement Program for Employees

Beacon encourages you to develop your capabilities to the fullest, both for your own benefit and for the benefit of Beacon's customers.  The Tuition Reimbursement Program allows you to obtain, maintain or improve your professional abilities through participation in job-related courses or a job-related degree program at an accredited college or university.  To be eligible, you must be a regular Beacon employee who has attained one year of service, is scheduled to work 20 or more hours per week, and is currently meeting performance expectations.

College Benefit Program for Children of Employees

Beacon encourages you to place a high priority on education for your children as well and the College Benefit Program for Children of Employees supports your efforts to provide secondary education for your children.  This program provides reimbursement of eligible educational expenses for the children of employees who have at least 12 months of continuous service and are in an active status at the time of both the application and the granting of the benefit. 

Training and Development Programs

Beacon commits training resources for you because we want you to excel in your position.  If our employees succeed then Beacon succeeds.  Beacon demonstrates support for training by offering a wide range of development programs to help you succeed. 

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