Financial Assistance

Short-Term Disability

You can use Short-Term Disability when you are unable to work due to a lengthy illness, a disabling injury, pregnancy or the birth of a child.

The following chart provides a brief overview of the Short-Term Disability coverage:

Short-Term Disability is underwritten by Nationwide Life Insurance Company.

New Hampshire and Vermont residents are not eligible for Short-Term Disability.

Life and AD&D Insurance

Basic Life and Accidental Death and Dismemberment (AD&D) coverage can help ease the financial burden on your family in the event you are severely injured or paralyzed due to an accident or if you pass away as the result of an accident or illness.

The following chart provides a brief overview of the Life and AD&D Insurance available:

Life and AD&D Insurance is underwritten by Nationwide Life Insurance Company.

New Hampshire and Vermont residents are not eligible for Life and AD&D Insurance.

How to Designate a Beneficiary

You can designate a beneficiary when you enroll for your benefits with The American Worker online at RHAWPbenefits.com or by calling 1.855.495.1192.

Critical Illness & Accident Insurance

The Critical Illness & Accident Insurance Package pays cash if you’re diagnosed with certain conditions or suffer an accidental injury. Some expenses won’t be covered under a comprehensive health insurance plan, and Critical Illness & Accident coverage can provide cash benefits to help ease the financial burden. You can elect coverage for yourself, your spouse or domestic partner and your children.

The following chart provides a brief overview of the Critical Illness & Accident Insurance coverage available:

The Critical Illness & Accident Insurance Package is underwritten by Nationwide Life Insurance Company.

New Hampshire and Vermont residents are not eligible for the Critical Illness & Accident Insurance Package.

Critical Illness Benefit Description:

The plan pays a one-time, lump-sum benefit in the event an insured person is diagnosed with their first occurrence of end-stage renal failure, heart attack, life-threatening cancer, major organ transplant or stroke. The diagnosis must occur after the coverage is effective and while the policy is in force.

The plan pays 100 percent of the Critical Illness benefit if a covered person is diagnosed, after the effective date, with the first occurrence of any covered Critical Illness event, except cancer.

  • The plan pays only 10 percent of the Critical Illness benefit if a covered person is diagnosed with the first occurrence of cancer less than 90 days after the effective date of coverage.
  • If the cancer diagnosis occurs more than 90 days after the effective date, 100 percent of the Critical Illness benefit will be paid.

401(k)

There is no waiting period to enroll in the 401(k) Plan. In general, you are eligible if you are a Robert Half employee and your Robert Half earnings in the prior calendar year are below the annual IRS compensation limit for determining “highly-compensated employees.” Below are some key features of the 401(k) Plan. For more information, go to netbenefits.com or call 1.800.835.5097.

Tax Savings Now
Your pre-tax contributions are deducted from your pay before income taxes are taken out. This means you can actually lower the amount of current income taxes you pay each period — and it could cost you less to save than it would if you saved in a taxable savings account. Please note, however, that Social Security and Medicare taxes, as well as state disability insurance, are withheld from your contributions. What’s more, you pay no taxes on any of your investment earnings until you withdraw them from your 401(k) Plan account. As a result, you can keep more of your money working for your future.

Easy Ways to Invest
The 401(k) Plan makes it easy to invest. You can choose one or more investments on your own, or direct your entire account to a Fidelity Freedom K6® Fund based on the year you expect to retire. Or, for a fee, try Fidelity® Portfolio Advisory Service at Work and hand over the day-to-day investment decisions to professionals at Fidelity.

Convenience
Your contributions come out of your paycheck automatically.

Portability
Your 401(k) Plan account is yours to keep. If you decide to leave Robert Half, you generally can roll over your vested account balance to another employer’s retirement plan or to an Individual Retirement Account (IRA).

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