Group Insurance Plans

All full-time employees are eligible for our group medical insurance. Temporary, and part-time employees, are not eligible under the Dharma plan. Eligibility for these benefit plans begins on the 1st of the month coinciding with or following the date of hire.

Medical Insurance - Anthem BlueCross BlueShield

The Anthem BlueCross BlueShield medical plan gives you access to benefits for care from a network of credentialed providers, plus the freedom to seek care outside this network.

When you work through your primary physician and visit network providers, you receive virtually 100% coverage after making a small physician co-pay. If, on the other hand, you do not go through your primary physician or you choose non-network providers, you pay more towards the cost of your care in most cases.

Enrolling Your Dependents in Medical Insurance

If you are an eligible full-time employee, you may enroll your eligible dependents in the Dharma medical plan. Eligible dependents include your spouse as well as unmarried children under the age of 19. Children over the age of 19 who are full-time students may be enrolled in the plan to the age of 25, provided that they are attending school regularly and depend on you for support. Other eligible dependents are dependent, unmarried children of any age who are incapable of self-support due to mental retardation or a physical disability which began prior to reaching the limiting age, provided premium payments are continued.

As a Dharma employee, you are responsible for partial payment of the premium. You can make your contributions with pre-tax dollars through the Dharma pre-tax premium plan. This means your contributions are deducted from your pay before federal, state and FICA taxes are taken out, thus reducing the net impact of these costs on your paycheck. Please consult the Human Resources Department for more information on the premiums for enrollment.

Dharma Retirement Plan - Fidelity

The Fidelity SARSEP (Salary Reduction Simplified Employee Pension) enables you to save for your own retirement by deferring a portion of your salary on a pre-tax basis to a SEP-IRA. All SARSEP contributions and any earnings grow tax-deferred until withdrawn at retirement. You may defer up to the lesser of 15% of compensation or $10,000 (maximum for 1999 tax year).
Fidelity SEP-IRA offers a broad array of investment options including a wide variety of Fidelity mutual funds - including money markets, bond funds, and stock funds. Not only does Fidelity offer you investment choice, they also offer you excellent value for the money.

Contact

Dharma offers excellent salary, and bonuses based on performance. Dharma also provides health and retirement benefits. Please send your resumes in confidence to: