Benefits Guide

 

Some benefits are employer-provided, which means your employer pays the entire cost for you. Other benefits are employer-subsidized, which means your employer will pay a substantial portion of the cost of your coverage. Additional benefits are optional—you pay the full cost, but you save money by participating in group coverage provided by your employer.

 

Pre-Tax Plan Options

• Medical
• Dental
• Vision
• Flexible Spending Accounts
• Health Savings Accounts
• Optional Basic Life and AD&D

Employer Provided Benefits

 

• Basic Term Life and Accidental Death & Dismemberment (AD&D) Insurance Plans
  You automatically receive employer-provided coverage equal to one times your total compensation.
  
  
• Business Travel Accident Insurance
  You automatically receive coverage equal to three times your total compensation.
  
  
• Long-Term Disability (LTD) Insurance
  You are automatically enrolled in coverage that provides 66 2/3% of your monthly total compensation in the event you become disabled and unable to work.

Employer Subsidized Benefits

 

• Medical Coverage
  Select from three levels of PPO coverage including a Consumer Choice PPO plan with a Health Savings Account (HSA). Depending on your work location, you may also have an HMO plan available. Your premiums are paid pre-tax.
  
  
• Dental Coverage
  Choose between two PPO options: Basic Plan and Comprehensive Plan. Your premiums are paid pre-tax.
  
  
• Defined Contribution/401(k) Plan
  Company-matching funds are in addition to your contributions.

 
Optional Benefits

 

• Vision Plan
  Coverage for eye exams, lenses, frames and contact lenses. Receive discounts on certain procedures. You pay for vision coverage on a pre-tax basis.
  
  
• Tax Advantage Accounts
  Contribute to one or more accounts available on a pre-tax basis:
• Health Savings Account (HSA)
• Health Care Flexible Spending Account (FSA)
• Dependent Care Flexible Spending Account (FSA)
• Limited Purpose Health Care Flexible Spending Account (FSA)
• Optional Basic Employee Term Life and Accidental Death & Dismemberment (AD&D) Insurance
  Elect coverage for an additional one times your total compensation. You pay the full cost on a pre-tax basis.
  
  
• Group Universal Life (GUL) Insurance
  Purchase benefits up to 10 times your total compensation for yourself and up to $250,000 for your spouse. You can also take advantage of the added benefit of building long-term savings via the cash accumulation fund option. You pay the full cost on an after-tax basis.
  
  
• Dependent Child(ren) Life
  Purchase up to $25,000 in life insurance for each eligible dependent child.
  
  
• Voluntary Accidental Death & Dismemberment (AD&D) Insurance
  Elect coverage for you and/or your family for up to 10 times your total compensation to a maximum of $750,000. You pay on a pre-tax basis.