This position is covered by a Collective Bargaining Agreement with the Southwest Regional Mountain States Carpeters Union. Benefits include the following:
Retirement: Carpenter’s Southwest Administrative Corporation manages the pension program. The current employee contribution rate for each payroll is shown below. Taxes are deferred to retirement. Contributions are paid up to all hours worked up to 2200 hours per calendar year.
Employee Contributions per hour:
- Track Inspector $1.69
- Track Maintainer $2.24
- Track Welder $1.83
- Track Maintainer Foreman $1.90
- Material Handler $2.10
- Heavy Equipment Operator I $1.97
- Heavy Equipment Operator II $1.83
- Equipment Operator Foreman $1.83
- Assistant Signal Maintainer $1.89
- Signal Maintainer $1.58
- Signal Inspector $1.26
- Systems & Comms Tech $1.26
457(b) Deferred Compensation Plan: NCTD offers a Voluntary Deferred Compensation Savings Plan through VOYA Financial Services. Employees are eligible to enroll any time after the date of hire. The plan allows you to contribute pre-tax and/or post-tax dollars into selected funds of your choice. The plan also allows you to:
- Contribute up to amount specified annually by the IRS
- Catch-up plan for those 50+ of up to amount specified annually by the IRS
- Is portable, can be rolled over into another qualified retirement plan
- Employer match into a 401(a) account (50% up to 8% of employee compensation; Max NCTD contribution of 4%
Medical Insurance: Carpenter’s Southwest Administrative Corporation offers two plans that include HMO and PPO plans to choose from: the Active Plan Coverage and the Bronze Plan Coverage.
- Active Plan (Gold) Coverage Includes:
- Coverage for employee AND eligible dependents
- Medical Coverage: PPO Copay Plan or Kaiser HMO Network
- Dental Coverage: DPPO with United Healthcare
- Vision Coverage: standard plan with United Healthcare
- Prescription Coverage
- Total cost per paycheck: $355.20 (pre-tax)
- Bronze Plan Coverage includes:
- Medical PPO Plan Only
- Total cost per paycheck Employee Only: $35.20 (pre-tax)
- Total cost per paycheck Employee + 1 dependent: $110.20 (pre-tax)
- Total cost per paycheck Employee + 2 or more dependents: $160.20 (pre-tax)
- (Optional with Bronze Plan Coverage) Dental Insurance: NCTD offers two different dental plans for employees and their eligible dependents (HMO and PPO) from United Concordia. Human Resources can provide information regarding available plans. Both plans are part of NCTD’s cafeteria plan (pre-tax payroll deductions for monthly premiums).
- (Optional with Bronze Plan Coverage): Vision Insurance: NCTD offers vision services for employees and their eligible dependents through EyeMed. Human Resources can provide additional information regarding the available plan. The plan is part of NCTD’s cafeteria plan (pre-tax payroll deductions for monthly premiums).
Life Insurance: NCTD cares for its employees, and thus provides at no cost to the employee group life insurance in the amount of $50,000 (coverage includes Accidental Death and Dismemberment and Accelerated Death benefits). Additional life insurance is available for you and your eligible dependents at your expense. * Tax reporting is required for any amounts over $50,000, per IRS guidelines. Supplemental life insurance coverage premiums are deducted on a post-tax basis.
Additionally, Carpenter’s Southwest Administrative Corporation offers $20,000 for group term life insurance, and Accidental Death and Dismemberment at $5,000-$20,000 coverage levels.
Short Term Disability Insurance: NCTD offers two Voluntary Short-Term Disability Insurance plans. Plans will cover 20% of your total weekly earnings up to $1,500 per week.
- Choice 1 benefits begin after 1 day of disability for Accident, and 8 days of disability for Sickness. Deductions are post-tax and benefits are payable up to 26 weeks.
- Choice 2 benefits begin after 8 days of disability for Accident, and 15 days of disability for Sickness. Deductions are post-tax and benefits are payable up to 26 weeks.
Long Term Disability Insurance: NCTD offers voluntary Long-Term Disability (LTD) insurance. You may elect units of $100 up to 60% of your hourly wage to a maximum of $6,000/month. Deductions are post-tax, coverage 24/7, limitations or exclusions, and benefits are payable to age 65 or for two years (whichever is longer)
Flexible Spending Account Plan: NCTD offers two core FSA plans and two Commuter plans. Health Care and Dependent Care plans are “Use It OR Lose It” calendar year plans (Jan. 1st – Dec. 31st). The Commuter Transit and Parking plans do not have a “use it or lose it” policy. Plans are as follows:
- Health Care Spending Account: May contribute up to amount specified annually by the IRS
- Dependent Care Spending Account: May contribute up to amount specified annually by the IRS (including limitations if married)
- Commuter Transit Accounts: May contribute up to amount specified annually by the IRS
CA State Disability Insurance: Employees contribute to California State Disability Insurance (SDI). The current contribution rate is 1.1% of earnings and is totally paid by the employee. After the 7-day waiting period, SDI pays a percentage of employee’s salary up to a maximum of $1,540.00per week, for up to 52 weeks. SDI may be coordinated with Paid Time Off (PTO).
Social Security: All NCTD employees pay into Social Security.
Accident Insurance: NCTD offers voluntary accident insurance. You may elect coverage for you and your dependents for a flat monthly rate. Deductions are post-tax.
Critical Illness Insurance: NCTD offers Voluntary Critical Illness Insurance which can fill a financial gap if you experience a serious illness such as cancer, heart attack or stroke. You may elect coverage up to $10,000 in increments of $5,000, for you and between $2,500 - $5,000 for your dependents, not to exceed 50% of coverage amount. Deductions are post-tax.
Hospital Indemnity Insurance: NCTD offers Voluntary Hospital Indemnity Insurance. You may elect coverage for you and your dependent for a flat monthly rate. The plan provides benefits due to hospital stays for covered accident or sickness. Deductions are post-tax.
Administrative Holidays: 9 recognized paid holidays per year: New Year’s Day, Martin Luther King Day, President’s Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Veterans’ Day, Thanksgiving Day, and Christmas Day.
PTO (Paid Time Off): All NCTD Regular, Probationary, and Limited-Term employees shall receive Paid Time Off (PTO). PTO shall be earned equally in each pay period during the year in accordance with the following schedule, based on the number of years of NCTD service completed:
- 0 through 3.99 years of service completed: 120 hours per year (15 days)
- 4.00 through 9.99 years of service completed: 176 hours per year (22 days)
- 10 and more years of service completed: 216 hours per year (27 days)
Bereavement: NCTD offers paid bereavement leave.
Transportation Passes: All NCTD employees receive an identification “PRONTO Card” which can be used to ride the following NCTD/MTS transit services (BREEZE, FLEX, SPRINTER, COASTER, MTS Bus, Trolley) at no charge. Eligible family members also receive a pass for NCTD public transportation at no charge (paratransit excluded).
