Benefits

Our Benefits

• Competitive Salary
• Medical, Dental & Vision benefits
• Fully paid STD, LTD & Life Insurance benefits
• 401(k)
• Paid Leave and Holidays

Benefit Details

At XPAND, we provide employees with a truly comprehensive welfare plan that provides flexibility for employees and their dependents. Our plan is a cafeteria style plan that allows you to carve out the benefits that you need. The plan promotes health and wellness while providing financial security for today as well as tomorrow.

Medical Coverage: Employees can select a national Preferred Provider Organization (PPO) or a local Open Access Health Maintenance Organization (HMO) through Anthem. Both plans offer after a co-payment and then 100% coverage for most services provided by in network providers. The PPO plan allows for the flexibility to use outside providers at 70% less annual deductible while in network benefits offer a 100% coverage for most services after a co-payment.

Prescription Drug Plans: Retail and mail order coverage included in the medical plans listed above.

Dental Coverage: Available as a separate option through a national provider. The plan provides 100% coverage for preventive services, 90% with a $50 deductible for basic services and 60% with a $50 deductible for major services for in network providers. The plan also allows coverage for out-of-network providers at 100% coverage for preventive services, 80% with a $50 deductible for basic services and 50% with a $50 deductible for major services based on usual and customary rates. Annual maximum benefit for the plan year is $5,000.

Vision Coverage: Available as a separate option through a national provider. Plan includes eye exams, lenses, frames and contacts with co-pays.

Basic Life and AD&D Insurance: Core coverage provided by XPAND is equal to one time the base annual salary up to a maximum of $180,000 for eligible employees.

Short-term Disability Insurance (STD): Short-term disability coverage provides you with an ability to earn a living and provide for yourself and for those who are dependent on you if you become sick or disabled (non-work-related injury). STD would take effect after the employee has been disabled for 14 calendar days. After the 14-day period, this employer paid benefit pays 60% of base salary (to a maximum of $1,000 per week) for 11 weeks. If further coverage is needed after the STD benefit period has been exhausted, Long-Term disability would then become effective.

Long-Term Disability Insurance (LTD): Long-Term Disability (LTD) Insurance provides income protection if you are “totally disabled” and cannot work. This employer paid benefit follows 11 weeks on STD and pays 60% of base salary (to a maximum of $6,000 per month).

401(K) Retirement Plan: XPAND offers a retirement plan that is managed by Alerus. This plan offers both a tax-deferred 401(k) retirement option as well as a Roth 401(k) option. Both options allow you to invest in a variety of funds. Eligible employees can begin to contribute upon 90 days of employment.
XPAND matches your contributions to the plan at a rate of 50% of your contribution of 3% not to exceed 1.5% that is capped. Matching contributions vest over a three-year period.

Employee Assistance Program: Confidential assessment, counseling and referral to outside agencies for employees and their dependents provided by The Guardian Life Insurance WorkLifeMatters^sm. Support services are available 24 hours a day, 7 days a week and include a wide range of everyday issues including financial, legal, educational, parenting and child care, care giving, work, lifestyle and fitness management.

Universal Leave: At XPAND, we believe that all employees need to recharge every once in a while. That is why we offer 15 days of Universal Leave, which is the combination of vacation, personal time and sick leave to be used at your discretion for the first 5 years of employment. Afterwards, employees accrue1 additional day per year until they have reached 20 days of leave per year. Unused leave, up to a maximum of 120 hours, can be carried over from one year to the next.

Holidays: XPAND has 11 scheduled holidays per calendar year. These holidays include New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.

XPAND Corporation is an Equal Opportunity Employer.