KBP Cares, our Employee Assistance Program
KBP Cares was created to assist our employees and their eligible dependents who are experiencing a financial hardship and are unable to afford housing, necessary utilities, and other basic living needs because of a natural disaster, life-threatening illness or injury; death or other catastrophic or extreme circumstances that are unexpected, unavoidable and beyond the employee’s control.
- The KBP employee must be actively employed or on an approved leave of absence for no more than six months to be eligible for a grant from KBP Cares.
- In the case of a death of an employee, then the surviving spouse or eligible dependent of the employee may apply.
An employee may apply for assistance no more than four (4) times within a 12-month period and receive assistance no more than twice (2) in a 12-month period. An employee may only receive assistance for a specific qualifying event one (1) time in that 12- month period.
- The Active KBP Employee
- The employee’s spouse or domestic partner (an adult w/ whom the applicant is in an ongoing and committed spouse like relationship, regardless of gender. The applicant must live with this person, share the bills and combine their income.)
- Minor children
Other immediate family that they are financially responsible
Grants will be made directly to vendors as bill payments. Exceptions may be granted at the discretion of the Allocation Committee for Natural Disaster hardship. The maximum grant amount is $5,000. However, most grants will be less and will be at the discretion of the Allocation Committee.
Qualifications for a Grant: To qualify for this program and receive grant assistance the employee/ applicant must meet certain requirements:
- The employee must meet the KBP Cares employment requirements at either KBP Foods or KBP Investments outlined above
- The employee must be experiencing a financial hardship that affects their ability to pay for basic living needs that were caused by one of the 4 qualified incidences identified below.
- The qualifying incident and/ or financial hardship must have happened within the past 120 days.
“Qualified Incidences:” – They are unexpected and unavoidable circumstances that are out of the control of the employee that has created a financial hardship. These circumstances are one-time events that have caused the employee to spend their mortgage, rent, or utility money on unexpected expenses.
Their situation MUST fall into one of these two categories:
1. Disaster Relief Assistance: (…any catastrophic event caused by nature or Fire) For situations such as severe storms, lightning strikes, winter storms, hurricanes, and floods that have damaged or destroyed the employee’s primary residence.
2. Emergency Hardship Assistance:
- Life-Threatening or Serious Illness or Injury: For the employee, spouse and eligible dependent(s). The KBP Cares Assistance Program is not a substitute for medical insurance and employees do not automatically qualify for a grant when they, or their dependents, are diagnosed with or suffer a life-threatening or serious illness or injury. There must be resulting financial need including the inability to pay basic living expenses. Legible Doctor confirmation or medical documentation will be required.
- Death incident: This can be the death of the employee, spouse, domestic partner or eligible dependents(s). The loss of income or the cost of funeral expenses or medical bills must prevent an employee or the employee’s family from affording basic living expenses. KBP Cares cannot pay for travel to funerals, caskets, grave markers or other funeral expenses. KBP Cares understands that death in the family is a very difficult and tragic incident. The death of a parent or sibling may fall on the shoulders of our employees. KBP Cares will consider these incidences and work on them on a case by case basis.
- Catastrophic or Extreme Circumstances: This includes but is not limited to, fire, a major home damage that could not be prevented, a serious crime against the employee (robbery, arson, domestic abuse, assault, or another reportable crime) that impacts the ability to afford basic needs. Catastrophic or extreme circumstances do not include: reduced work hours or pay, credit card bills, home foreclosure, or accumulated financial distress. Police, fire or another official incident reports will be required.
KBP Cares Grants are only to help with limited types of necessary and essential living expenses, which are:
- Rent, mortgage or other housing payments
- Temporary housing and security deposits for new housing
- Necessary Utility Bills (electricity, water, heat, etc.)
- Medical expenses (bills/ premiums), not eligible for reimbursement or covered by insurance. Applicant must have agreed to a monthly payment plan with the hospital or doctor for any portion of the bill that is to be considered by the Allocation Committee. KBP Cares won’t cover the entire cost of the medical bills.
- Minor home repairs needed to maintain home safety if you own the home.
Grants cannot be made to pay for other expenses such as:
- Loss of KBP Employee’s household income because of a cutback in hours or overtime, the loss of a job, a divorce/ separation or the loss of child support.
- Legal fees to include anything to do with driver’s licenses, tickets, court fees, etc.
- Non-essential utilities (cable, phone, etc.) KBP Cares does consider a cell phone to be essential however the bill will need to be supplied. The Allocation Committee will consider basic phone plans.
- Car payments or vehicle purchases The Allocation Committee won’t consider car repairs due to negligence however if a unforeseen circumstance occurred or a Natural Disaster, etc. a car repair will be considered with a cap of $2,000.
- Furniture, appliances, electronics
- Grave markers
- Credit card debt and accumulated financial issues
- Accidental damages due to negligence
- Home foreclosures or short sales
- Expenses incurred due to lack of homeowners insurance
- Accumulated financial distress that results in your not having enough income to cover your regular monthly bills. KBP Care’s grants aren’t available to resolve ongoing general financial problems.
- Wage garnishments, disconnection notices or eviction notices. These are results of a financial hardship, not the cause. Instead, your application for assistance needs to describe what happened that prevented you from paying these bills.
- College Tuition or Educational Expenses **KBP Cares will provide assistance for expenses that aren’t eligible for reimbursement under medical or homeowners insurance, KBP cares is not a replacement for insurance. If you don’t have insurance, employees should make a good faith effort to obtain insurance. The same is true for Homeowner’s insurance and renter’s insurance. KBP cares will assist employees with deductibles and items that aren’t reimbursed through those insurance plans. KBP Employees will need to make a good faith effort to obtain Homeowners and Renter’s Insurance in order to be eligible to receive future grants from KBP Cares.
** The Process to Receive a KBP Cares Grant:
- Go to www.KBPCares.com and fill out an application. Review the eligibility requirements above and choose a qualifying incident. All sections must be filled out entirely and truthfully.
- Employment with KBP Foods or KBP Investments will be verified.
- After the application is submitted, the KBP Cares Advocate will review it and call the applicant to go over the details of the application.
- Applicant will need to include proof of the qualifying incident (see each incident described above) and copies of bills or invoices for which they are requesting payment assistance. They will be asked to verify balances in a checking and/or savings accounts. All copies of documentation must be legible. Collect and submit all needed documentation.
- The Advocate will submit the application and all of the documentation with a summary to the Allocation Committee, along with the bills that the applicant is requesting KBP Cares to pay due to the hardship that was endured.
- The Allocation Committee will review the application. If there are any question the advocate will be in touch with the applicant.
- The Advocate will be in contact with the applicant to let them know if the grant has been approved.
- If approved, payments will be made to the vendors directly.