Benefits

Standard and Optional benefits packages for John F. Murphy Homes employees.

Standard Benefits

Medical Insurance
Provided through Harvard Pilgrim; new enrollees may choose between 2 plans; offered to full-time employees (30+ hours) and eligible dependents. Employee paid premiums (if applicable) are payroll deducted and may be paid with pre-tax dollars.

PPO HSA — Weekly premium costs (payroll deduction) are as follows:

  • Employee Only $13.69
  • Employee & Spouse $155.57
  • Employee & Child(ren) $106.46
  • Family $275.48
  • JFM contributes $3.93 weekly to the Health Savings Account (HSA).

HMO HSA — Weekly premium costs (payroll deduction) are as follows:

  • Employee only $6.72
  • Employee & Spouse $125.19
  • Employee & Child(ren) $81.81
  • Family $234.27
  • JFM contributes $12.00 weekly to the Health Savings Account (HSA).

Life Insurance
Offered through UNUM; Base coverage is equal to 1x annual earnings, rounded up to the next higher multiple of $1,000 if not already an exact multiple thereof. The maximum benefit is $100,000. Base coverage is at no cost to the employee. Includes an option to buy up to 5x annual earnings at the employee’s own expense.

Paid Time Off (PTO)
PTO is used for personal reasons and vacations; accrued from the date of hire and available to regular full-time, part-time, and relief employees.

Holidays
Nine paid holidays per year. Available to regular full-time and part-time employees who work 20 or more hours per week. Accruals vary according to regularly scheduled hours.

Optional Benefits

These benefits are offered by JFM at group rates. Premiums are paid by the employee through payroll deduction.

Dental

  • Offered through Guardian Insurance
  • Employee only: $6.16 per week
  • Family = $16.16 per week

Vision

  • Offered through Unum Insurance
  • Employee only: $1.23 per week
  • Employee Plus One: $1.78 per week
  • Family: $3.19 per week

403(b) Retirement Plan

Offered through Lincoln Financial Group. JFM may provide an annual contribution to participants at JFM’s sole discretion on a year-to-year basis.

Short Term and Long Term Disability
Offered through UNUM.

Health Care and Dependent Care Reimbursement Accounts
Offered through Benefit Strategies.

Employee Assistance Program
Offered through UNUM. When personal problems are too difficult to face alone, JFM offers professional and confidential counseling services to employees and family members. The first three sessions are at no cost to the employee.

Unum insurance provides three plans: Hospital Indemnity, Accident, and Critical Illness. These optional policies are available at attractive group rates.