Exempt Benefits (Non-Union)
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Here's a quick snapshot...
401(k) Plan
Employees are eligible the first day of the month after 30 days of service and can contribute up to 25 percent of earnings. The basic company match is 50 percent on employee contributions of up to six percent of before-tax pay and an additional year-end match based on company performance. The performance match is up to 30 percent on up to 6 percent of pay contributed.
Retirement Pension Plan
Provides company-funded, lifetime retirement income and survivor benefits after five years of service as an exempt employee. An early retirement benefit is available as early as age 55 with 10 years of benefit service; full retirement benefits are at age 65, or at age 62 with 30 or more years of service.
Railroad Retirement (RRB)
Provides lifetime retirement income similar to Social Security with increased benefits from Tier II taxes paid by employees and BNSF Railway. Employees are vested in their RRB benefit after 60 months of railroad service.
Incentive Compensation Plan (ICP)
Rewards employees based on the company's performance.
Medical Coverage
BNSF offers a single medical program with a choice of deductible levels and a choice of provider networks (Aetna or BlueCross BlueShield). After the deductible, most expenses are covered at 80 percent up to an out-of-pocket maximum, after which BNSF covers 100 percent of eligible expenses. Coverage automatically comes with a company-funded Health Savings Account (HSA) to which the employee may make additional tax-advantaged contributions to help pay for current and future out-of-pocket health care expenses.
Preventive care is provided free of charge, and specific preventive medications are covered for only a copay or coinsurance percentage with no upfront deductible. Employees may purchase their medications via mail order and pay a reduced amount. Employees and family members also have access to a free, personal service to help them with navigating the complexities of health care and using their health care benefits effectively.
Dental Coverage
A PPO dental plan is offered through Aetna nationwide. A Dental Maintenance Organization (DMO) plan is also offered wherever Aetna DMO dentists are available.
Vision Care Plan
Two options are available to cover eye examinations, lenses, and frames or contact lenses for employees and dependents.
Flexible Spending Accounts (FSAs)
Employees can set aside money from paychecks on a before-tax basis to pay for eligible health care and dependent child care expenses.
Life Insurance
BNSF Railway provides employees life insurance of two times the employee's "benefits pay" (base salary plus target Incentive Compensation Plan bonus) at no cost.
Optional life insurance of up to five times benefits pay is available. Employees may also purchase spouse and child life insurance.
Personal Accident Insurance
Multiple options for accidental death and dismemberment coverage are available for employees and dependents, including employee coverage of up to seven times benefits pay.
Short Term Disability Benefit
BNSF Railway provides 100 percent base-salary continuation, for up to 182 days of disability.
Long Term Disability (LTD) Insurance
BNSF Railway provides insurance covering 50 percent of benefits pay at no cost. LTD benefits begin following 182 consecutive days of disability. Employees may elect to increase the LTD option to 66 2/3 percent of benefits pay.
Health Advocate
Employees and eligible family members have no-cost access to a Personal Health Advocate whose sole job is to help you understand and effectively use your BNSF health care benefits and help you with complex health care issues.
Tuition Reimbursement Program
BNSF Railway will pay employee tuition costs for manager-approved college courses. Eligibility for this program begins after six months of service.
Vacation
Two weeks paid vacation annually after one-year service. Additional week earned at the start of the 5th, 10th and 20th service anniversaries.
Holidays
Eleven paid holidays per year.
Retiree Life Insurance
Employees retiring from non-union service receive $10,000 in company-paid retiree life insurance.
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