Benefits

Retirement Plan - Eligible CARC employees can participate in a 401(k) retirement plan.

Credit Union - CARC is affiliated with CSE Federal Credit Union and SPELC Federal Credit Union. CARC employees are allowed to join.

Group Term Life Insurance - CARC provides $20,000 term life insurance on each eligible employee and employees can purchase $7,500 coverage per dependent.

Section 125 Cafeteria Plan - Under this plan, employees are allowed to redirect a portion of their salary/wages to pay for certain non-cash benefits. This before-tax earning can be directed to pay for the following payroll deducted benefits for eligible employees:

Group health insurance
Dental insurance
Group voluntary accident and life insurance


Note: According to the Internal Revenue Code for Section 125 Cafeteria Plans, when an employee agrees to re-direct a portion of their salary to pay for non-cash benefits, they cannot change or revoke the agreement until the next anniversary date except for certain specific

GROUP HEALTH INSURANCE CARC provides the opportunity for eligible employees to participate in a major medical health insurance plan. This plan complies with HIPAA (Health Insurance Portability and Accountability Act) and COBRA (Consolidated Omnibus Budget Reconciliation Act).

Participation is voluntary for full time Vocational, Child Development Services, Residential, and Central Office employees who have been employed at least ninety days.

Participation is limited to the term of employment; however, COBRA provisions apply.

A portion of the major medical premium for the employee is paid by CARC. The employee portion is deducted in equal amounts from each payroll.