Work Schedules & Time Off
GAFRI understands the importance of time away from work as part of a healthy, balanced life. For example, flextime and special summer hours are available, in addition to the programs listed below.

Paid Time Off (PTO)
Our PTO program ranks as one of the most highly valued benefits when compared to other area employers. It consists of a combined bank of days spent away from work because of vacation, illness, or personal needs.

Short-Term Disability (STD)/Family Medical Leave Act (FMLA) Bank
At the time of hire, associates receive time in their FMLA "bank."

Company Holidays
Depending on where days fall in a calendar year, GAFRI typically offers from six to eight paid holidays each year.

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Retirement & Savings
GAFRI associates have several options in planning and saving for their retirement, as well as a share in the growth of our organization during their working years with the Company.

Retirement and Savings Plan
This plan consists of two components: a 401(k) component and the Retirement Account.

Our 401(k) Plan helps associates supplement their retirement savings. Associates contribute a percentage of their eligible earnings on a pre-tax basis. The Company provides a 100 percent match of the first 1 percent of pay associates contribute, and a 50 percent match of the next 2 percent of pay they contribute.

The Retirement Account is 100 percent funded by the Company; the contribution is allocated to each associate's Retirement Account based on the performance of the Company each year.

Employee Stock Purchase Plan
The plan gives associates the ability to purchase stock at a discounted rate through payroll deduction.

Individual Retirement Annuity - Flexible Premium Annuity
Associates have additional opportunities to save for retirement through these annuity products.

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Education & Professional Development
GAFRI's emphasis on "growing people" is visibly demonstrated through its strong support of learning and training throughout the organization.

On-Site Training
GAFRI offers a broad on-site training curriculum including courses about our business, computer technology, written communication, and professional development. These various courses address topics such as conflict resolution, interpersonal communication, and leadership. These courses are available to all associates and consistently receive excellent reviews from participants.

Individual Development Plan (IDP)
Additionally, each associate of the Company uses a tool called the Individual Development Plan (IDP). The IDP allows associates and managers to identify short- and long-term learning goals, expectations, and opportunities. The plan encompasses the specific knowledge needed to perform one's job, professional certifications and designations, as well as the on-site course offerings mentioned above. Associates say they feel empowered and valued because the Company is willing to invest time, money, and resources into their individual growth and development.

Education Financial Assistance Program
GAFRI seeks to promote continuous improvement and lifelong learning and also to enhance the competitiveness of our workforce by increasing relevant skills and knowledge. In keeping with this objective, we offer an Education Financial Assistance Program, which is an education expense reimbursement plan for full-time employees who are in good standing with at least six months of service with the Company. Reimbursements are made for any coursework that will enhance performance in one's current or feasible future position. Examples include insurance industry courses (e.g., CLU, LOMA, etc.), job-related academic degree programs and coursework, and online degrees/e-learning.

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Work Life
These additional benefits and services are important to the quality of work life at GAFRI.

Employee Assistance Program
This program offers free confidential, professional counseling to all associates and their families along with other life-cycle services including child and elder daycare, legal assistance, and college search assistance.

Wellness Program
Throughout the year associates take advantage of programs designed to enhance their health, including access to the Great American Fitness Club (available to all Cincinnati associates for a nominal annual fee) and company-subsidized health club memberships at several local facilities. We also periodically offer flu shots, mammograms, and cholesterol and prostate screenings.

Direct Deposit
Associates are paid biweekly (26 times per year). In Cincinnati, most associates receive pay by direct deposit into the checking account or financial institution of their choice.

Parking & Bus Service
GAFRI has pricing agreements with parking garages and lots near our offices and with Cincinnati's Metro bus service. You may arrange payment for parking and/or bus passes through pre-tax payroll deduction.

Attire
We follow a "business casual" dress code.

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