KCM Employee Benefits

Paid Time Off:

Paid Time Off (PTO) is a flexible option which combines personal days, sick time, and vacation benefits. It gives employees the increased flexibility to balance work and family life; employees can decide how they want to make use of their time.

Paid Holidays:

Full-time employees are entitled to eleven paid holidays.

Group Healthcare:

Coverage (administered by Aetna) is effective the first of the month following date of hire. Employee pays up to 20% of the monthly premium; KCM pays up to 80% of the monthly premiums.

Health Reimbursement Account (HRA) for Deductible Reimbursement:

KCM has set up a (self-funded) HRA to cover employee health insurance deductible costs. The deductible reimbursements are administered by Payflex – $5,000 Employee / $10,000 Employee + Dependent(s).

Dental Reimbursement:

KCM pays 100% of the monthly premium. Coverage is effective the date of hire. KCM self-funded dental insurance (administered by Guardian) provides up to $1,500 per year per full-time employee and per eligible dependent for all non-cosmetic dental-related work.

Vision Insurance Discount:

KCM pays 100% of the monthly premium. Coverage is effective the date of hire. KCM vision insurance is administered by EyeMed.

Wellness Reimbursement:

Each full-time employee is entitled to be reimbursed, up to a maximum of $750 per calendar year, for 75% of the cost of qualifying wellness expenses.

Life/AD&D Insurance:

KCM provides life/AD&D insurance to each full-time employee in the amount of $100,000. For full-time employees, KCM also provides dependent life insurance to each spouse ($5,000) and dependent child ($2,500) between the ages of 15 days and 23 years (25 years if a full-time student).

Short-Term Disability:

Full-time employees are eligible for short-term disability benefits (KCM self-funded).

Long-Term Disability:

Full-time employees are provided with insured income protection. The Long-Term Disability plan was established to provide a disabled employee with income during a sustained period of disability.

Retirement and Profit-Sharing Plan 401(k):

After the waiting period is met, KCM matches 50 cents on every dollar contributed by employees up to the maximum annual contribution set by the IRS. KCM’s plan also allows the company the ability to make discretionary match contributions.

Certification Reimbursement:

Full-time KCM employees may be eligible for reimbursement of the cost for specific certification programs that are required or important for possible advancement in the company. These certification programs include:

  • CFA®
  • CPA
  • IACCP®
  • CMT®
  • FINRA Series 65 and/or 66
  • CIMA®

Transparency in Coverage

The link above leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data. These files are extremely large and are likely to exceed internal limits for KCM’s network. As a result, if you are an employee of KCM and wish to access and/or download these publicly available files, you must not use the KCM network or the computer that has been issued to you by KCM for that purpose.

The machine-readable files are updated each month by Aetna. If the link above does not work they are also available on www.aetna.com under Plan Disclosures at the bottom of the page. From there scroll down to the middle of the page for the Disclosures dropdown and choose Small Group AFA.