Competitive Pay The most visible part of the total rewards package is your paycheck. Equifax uses competitive market survey data to establish pay ranges that are appropriate for our various operations. Annual base pay increases are determined by your achievement of individual goals, the results of your business unit, and the overall results of the company. Health and Wellness Medical and Prescription Drug, Dental and Vision Care Equifax provides comprehensive coverage that promotes good health and provides protection for you and your eligible dependents effective the first day of the month after your hire date. The medical and prescription drug program allows you an option between) 3 (three) plan options: Open Access Plus Plan (a preferred provider organization, 'PPO') and two Choice Fund Open Access Plus Plans (a consumer-driven health plan, 'CDHP'). Medical and prescription drug and dental benefits are administered by Cigna. The vision benefits are insured by EyeMed. Wellness Programs Equifax offers three Flexible Spending Account (FSA) options: the Health Care Reimbursement Account, the Dependent Care Reimbursement Account and the Limited Purpose Reimbursement Account. These provide tax advantages by allowing you to pay for certain, eligible health and dependent care expenses with pre-tax dollars subject to IRS guidelines. Equifax also offers a Health Savings Account (HSA) as a complement to the Choice Fund Open Access Plus plans. Equifax helps Choice Fund Access Plus plan participants fund the HSA by contributing up to $350 (employee only coverage) or $700 (employee with any level of dependent coverage). Employees have an opportunity to earn additional Equifax HSA funding upon completion of certain wellness-related activities – up to $150 (employee only coverage) or $300 (employee with any level of dependent coverage). Insurance and Disability Coverage Equifax provides you with free basic life insurance coverage equal to one times your annual eligible earnings up to $250,000 ($50,000 minimum benefit) effective on your date of hire. You may purchase additional life insurance for yourself at 1, 2, 3 or 4 times your eligible earnings up to $1 million. You may also purchase life insurance for your eligible spouse or domestic partner in $10,000 increments up to $50,000. Life insurance coverage for your dependent child(ren) is available at a $10,000 benefit level. Equifax also provides, at no cost to you, short-term disability and basic long-term disability coverage. Basic long-term disability coverage provides 50% income replacement up to $10,000 per month. Additional long-term disability coverage is available for purchase to provide another 10% or 20% of income replacement, as you may elect. Retirement Equifax's 401(k) Savings Plan, through Fidelity, allows you to save for retirement, on a pre- or post-tax basis, up to 30% of your pay. The company discretionary match is targeted to be 100% of employee contributions up to 4%. After satisfying a one (1) year eligibility rule, an eligible employee will receive an annual direct company contribution (made separate from and in addition to the match) ranging from 1.5% to 4% of pay, depending on years of service. The discretionary direct company contribution is 100% vested after three (3) years of service. There is no waiting period for this program other than the one (1) year service required to be eligible for the direct company contribution described above. New hires are automatically enrolled shortly after date of hire with a 3% pre-tax election; however, you may opt out of participation or change your pre-tax election to a percentage other than 3% at any time. Lifestyle Benefits Tuition Reimbursement Equifax recognizes the mutual benefit of assisting employees in obtaining higher education. As a result, Equifax offers a tuition assistance benefit for business-related courses towards job-related degrees. All full-time employees with a minimum six months of service and who are meeting their current job performance expectations are eligible for this value-added benefit. Paid Volunteer Day Equifax employees have always shown their enthusiasm and passion for supporting the communities in which we live and work by volunteering their time in numerous areas. Equifax says "thanks" by making it easier to support strategic community partners by providing one 8-hour paid volunteer day per year. Matching Gifts Program Each year, Equifax will match your donations between $50 and $5,000 to a 501(c)(3) organization. Paid Time Off Equifax offers a generous vacation or paid time off and holiday schedule for full-time eligible employees. During your first year, the amount of vacation you earn is prorated depending on when your first day of employment occurs. There is also a paid time off policy for part-time employees working at least 25 hours per week. Dress Code Equifax is a business casual work environment.