Financial Security

EMC offers team members many benefits to achieve their financial goals now and in the future.

401(k) Savings Plan
401(k) Savings plan

EMC matches 100% of team members’ 401(k) savings contributions, up to 4%, with immediate vesting.

Pension Plan
Pension Plan

EMC contributes to an active pension plan on behalf of eligible team members.

Contingent Salary Plan
Contingent Salary plan

This annual bonus plan is based on the profitability of the company. When the company performs well, team members receive a bonus based on a percentage of their pay.

Flexible Spending Account
Flexible Spending Account

Set aside pretax money for eligible health care expenses, such as deductibles and copays, and dependent care expenses incurred while at work.

Group Term Life Insurance
Group Term Life Insurance

Eligible team members generally receive two times their annual salary in life insurance.

Optional Insurance Plans
Optional Insurance Plans

Additional insurance is available for purchase, including accidental death and dismemberment, supplemental term and whole life.

Disability Insurance
Disability Insurance

EMC provides free disability coverage, which includes 25 weeks of short-term disability paid at 80% of base salary, and long-term disability replaces up to 60% of base salary after short-term is exhausted.

Stock Purchase Plan
Stock Purchase Plan

Eligible team members receive a 15% discount on EMC Insurance Group Inc. stock.

Military Differential Pay
Military Differential Pay

EMC provides military differential pay for team members on military leave.

Retiree Health Benefit
Retiree Health Benefit

A health reimbursement arrangement is available for an eligible retiree and his/her eligible spouse.

Retiree Life Insurance
Retiree Health Benefit

Group term retiree life insurance is provided to eligible team members who terminate or retire.

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