Additional Benefits

As a team member of Western Dental, you have access to the following benefits. Look for more information on these benefits from your HR leaders.

Retirement

The Western Dental 401(k) Plan helps build financial security for your future. It also provides important tax advantages. Team members are automatically enrolled in the plan after they complete 60 days of service. Transamerica administers the plan. Part-time and temporary team members are
automatically enrolled in the plan after they complete 1,000 hours of service.

Contributions

Once you are enrolled, unless you choose otherwise, you begin making pre-tax contributions of 3% pay. Each year your contribution will automatically increase until it reaches 6%. You may choose to contribute from 1% to 50% of pay, subject to IRS limits. For 2021, the IRS limit is $19,500. If you are 50 years of age or older during the calendar year, an additional $6,500 may be contributed. You may elect to have your contributions made on a pre-tax or after-tax basis.

• Pre-tax contributions - If you elect pre-tax contributions, your contributions are deducted from your pay before income taxes are taken out. You pay no taxes on your pre-tax contributions or their investment earnings until you withdraw them from your account, enabling you to keep more of your money working for you now.
• After-tax Roth contributions - If you elect to make Roth contributions, your contributions are deducted from your pay on an after-tax basis and are included in current taxable income (IRS limitations on contribution amounts may apply at higher income levels). Investment earnings are tax free if they are part of a “qualified distribution.” A qualified distribution means waiting at least five years from the year of your first Roth 401(k) contribution, or until you have reached age 59 1/2, become disabled or die.

NOTE: If your pre-tax plus after-tax Roth contributions total less than 3%, each year you will be re-enrolled at the plan’s automatic enrollment percentage of 3%.

To register your account or to make changes to your existing deferral percentage, go to wdsbrident.trsretire.com or call toll-free at 800-755-5801. Ensure your beneficiaries are updated through Transamerica.

Identity Guard

Identity Guard Is the Only Identity Protection Solution with the Powerful Processing of IBM Watson Technology. Most identity theft protection solutions are backwards looking: they examine credit reports and other sources that reflect the past. Identity Guard uses credit reports, but also scouts for potential problems in the future by using the vast power of IBM Watson.

Like powerful radar, Watson is constantly scanning billions of online sources to assess your risk and suggest ways to reduce exposure, allowing you to avoid problems before they cause you real harm.

Watson Enables:

• predictive analytics to mine data, evaluate risk, and generate customized guidance for employees
• a cognitive solution to monitor and process the large amounts of social, e-commerce, healthcare, and financial
  data being targeted by thieves today
• threat alerts that are customized for each employee, using information contained in their
  personal profile
  

TicketsatWork
You can enjoy a corporate discount on entertainment events through TicketsatWork. TicketsatWork is the largest travel and entertainment corporate discount program in the world. You have access to hundreds of offers for movies, theme parks, hotels, sporting events, Broadway and Vegas shows and more.

It's Easy to get Started

1. Go to TicketsatWork.com.
   
2. Click on the “Become a Member”.
   
3. You will be prompted to create an account with your email address and company code, which is WDO714.

Once enrolled you have access to discounts on attractions and theme parks nationwide.

Employee Assistance Program (EAP)

This program provides professional and confidential services to help team members and their immediate family address issues that affect overall health, well-being, and life management. Western Dental pays 100% of all premium costs. This benefit is automatically provided; you do not need to enroll in the program. The program includes:

• Multi-cultural and multi-lingual providers
• Confidential consultations with a counselor by phone or online 24/7 to clarify your needs, evaluate options, and create an action plan
• Face-to-face counseling with a local counselor for up to three sessions
• Unlimited referrals for personal services ranging from childcare to education, as well as access to an online library and mobile app with materials and interactive tools
• http://rsli.acieap.com 855-775-4357
  

Legal Notices

Each year there are legally required notices and disclosures that Western Dental is required to make to participants in the benefit plans. These notices and disclosures are for your information. Click here to view the 2020 notices and disclosures.