2026 Benefits

We recognize that our employees are our most valuable asset and pride ourselves on offering a comprehensive and robust portfolio of benefits. These benefits provide you peace of mind that the most important things in life are protected - your family, your finances and your future

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What You Need to Know

How to Enroll

  • Enroll with a Benefit Counselor

Helpful Resources

  • View Your Benefit Guide & Important Documents

Benefit Options

  • View Your Health & Voluntary Benefits

What You Need to Know

Making Benefit Selections ▼

Eligibility
  • For You: You are eligible for benefits as a full-time employee working at least 30 hours per week.
  • Covering your Family: You may also cover your eligible dependents when you elect coverage for yourself.
  • Your Spouse: You may cover your legal spouse.
  • Your Children: Dependent children are eligible:
    Medical, dental, and vision: until age 26 regardless of student or marital status
    Child life insurance: until age 21, or 26 if a full-time student
Enrolling in coverage:
Your benefit plans are in effect June 1, 2026 - May 31, 2027. In general, there are three times you can make benefit selections:


When you're first eligible:
Your benefits begin on the first day of the month following 60 days of employment; this is your effective date. Your benefit selections will be in effect through May 31, 2027.

At Open Enrollment:
Open Enrollment is your one chance each year to review your coverage options and make changes to your benefits. Your choices are in effect from June 1, 2026 - May 31, 2027, unless you have a qualifying life event.

If you have a qualifying life event:
Qualifying life events allow you to change your coverage during the year outside of Open Enrollment. These include:

  • marriage or divorce,
  • birth or adoption,
  • death of a covered dependent, and
  • a change in eligibility through Medicare, Medicaid, or a spouse's or parent's coverage.

Helpful Terms & Resources ▼

You will probably encounter some terms as you enroll in and use your benefits, and we want you to be prepared!

Balance billing: When you use an out-of-network medical or dental provider, they may bill you the difference between what they charge and the amount your insurance pays.  Medical balance billing is in addition to – and does not count towards – your out-of-pocket maximum.

Coinsurance: After you’ve met your deductible, you’re sometimes responsible for a percentage of the cost of the medical care, dental care, or prescription medication you received. This percentage is coinsurance.

Copay: A flat fee you pay each time you receive a copay-eligible medical, dental, or vision service or prescription medication.

Deductible: The amount you’re responsible for paying in care expenses before the medical or dental plan starts paying deductible-eligible expenses.

In-network: In-network care is always your lowest-cost option. Networks are groups of medical, dental, and vision providers, pharmacies, and facilities that agree to discount the cost of their care or service.

Out-of-pocket maximum: The most you’ll pay for covered in-network medical care in a year. This includes your deductible, any coinsurance or copays, and prescription drugs. The out-of-pocket maximum does not include your premium (the amount you pay for coverage), non-covered expenses, or out-of-network care that’s been balance billed.

Primary care physician: A primary care physician (PCP) is your main medical doctor – usually a general practitioner (GP), family doctor, internist, OB/GYN, or pediatrician (for children).

Pre/Prior-authorization: Some specialty medical providers, services and prescriptions require prior authorization from your insurance company. These may include - but are not limited to - surgery, imaging (CT, MRI) and certain prescription medications.

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How to Enroll

Enroll in benefits between during your enrollment window. To ensure you understand your benefit options and how these benefits will best support you and your family, benefit counselors will be available by phone to answer your benefits questions.

Schedule your appointment with a benefit counselor today to secure your preferred date and time! Click the button below or call 833-780-0797 to schedule your appointment now.

Schedule an Appointment

All benefits-eligible team members must submit their new hire enrollment elections in Employee Navigator. If you decide not to speak with a benefit counselor, you still must elect or waive benefits on your Employee Navigator account.  

To access the new hire enrollment within Employee Navigator, you should see a start open enrollment on your homepage. Once selected follow the prompts to get started with open enrollment.

 

 

Helpful Resources

Important Notices and Disclosures ▼

Click here to download your 2025 Annual Notices.

Your 2026 Benefits

We are pleased to offer a comprehensive benefits program, that offers you choice and flexibility, so you can take charge of your physical, financial, and emotional well-being. For detailed information about each of the benefits plans and programs available to you and your family, please click on the down arrow for each benefit listed below.

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Medical ▼

Administered through UMR

Select from four medical options through UMR. Theplans cover in-network preventive care at 100%, prescription drugs, and include an annual limit on your expenses. The differences are:

The differences between the plans are:

  • What you pay for the plan
  • What you pay when you get care
  • How out-of-network care is covered
  • Your annual maximum cost for care (out-of-pocket maximum)

Take the time to review your options and choose the plan that best fits your needs. To explore the details of each plan, click below:

Learn More:
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Dental ▼

Administered by Sun Life

Select from three dental options through Sun Life. All plans cover in-network preventive care at 100%. The differences are:

  • what you pay for the plan,
  • what you pay when you get care,
  • the maximum amount Sun Life will pay each year for dental care (annual maximum benefit),
  • how out-of-network care is covered, and
  • whether orthodontic care is covered.

Stay in-network to avoid balance billing (the difference between what an out-of network provider charges and the amount your insurance pays).

Please note: DHMO Dental is only available for Florida and Texas employees
 

Learn More:

 
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Vision ▼

Administered by Sun Life

Even if you don’t wear glasses, regular visits to your eye doctor are important to your overall health. That’s because a routine eye exam can often detect early signs of serious health conditions like diabetes.  A group vision plan makes it easier to get the care you need and lower your costs. 

Lean More:
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Health Savings Account (HSA) ▼

Administered by Optum Bank

An HSA through Optum Bank is paired with a High Deductible Health Plan (HDHP). Save pre-tax money for health care expenses – or retirement!

You may contribute tax-free funds to save for current and future health expenses - and retirement!

2025 IRS Maximum Contribution Limits:

  • If you cover yourself only: $4,300

  • If you cover dependents: $8,550

Additional Contribution:

  • If you are 55 or older, you can contribute an extra $1,000 per year in catch-up contributions.

IRS Eligibility Requirements

In order to make – or receive – contributions to a Health Savings Account (HSA), you must:

  • be enrolled in a qualified High Deductible Health Plan (HDHP),

  • not be covered under any other non-HDHP health coverage, including a full health care FSA through your spouse,

  • not be anyone else's tax dependent, and

  • not be enrolled in Medicare A or B, Tricare, or certain VA benefits.

HSA funds - Using your money

  • Spend your HSA balance on health care expenses (medical, prescription, dental, and vision) for you and your tax dependents, OR

  • Let your balance grow for retirement.

The money in your HSA is always yours and available for qualified health care expenses - even if you change jobs or health plans. Before retirement, any funds used for non-healthcare expenses are subject to tax penalties. Keep your receipts!

Growing your money + tax savings

HSA dollars go in tax-free, grow tax-free, and come out tax-free when you use them for qualified health expenses. You may also be able to invest part of your balance once it meets a certain level.

In retirement

At age 65, you can withdraw the funds in your HSA for any use (not just health care) without tax penalties; regular income tax will still apply.

Learn More
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Health Reimbursement Arrangement (HRA) ▼

Pay for eligible health care expenses with an HRA – funded by your employer.

Contributions

When you enroll in the HRA medical plan, your employer automatically sets aside money to help you and your covered dependents pay for qualifying health care expenses. Reimbursement is tax free.

Your employer contributes:

  • If you cover yourself only:

    • Inpatient: $3,000

    • Outpatient: $1,500

    • Emergency Room: $500

  • If you cover dependents:

    • Inpatient: $6,000

    • Outpatient: $3,000

    • Emergency Room: $1,000

Eligible expenses

You can use your HRA dollars for medical for you and your covered dependents.

Using your funds

HRA is a benefit of the Gold HMO+HRA Plan. The benefit offers reimbursements for out-of-pocket expenses for Inpatient, Outpatient Services and ER Visits.

Unused funds and more

Unused funds at the end of the year will roll into the next year’s allowance. Your funds are non-transferable and are forfeited if your employment with your employer terminates for any reason.

Learn More
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Disability Insurance ▼

Administered by Lincoln Sun Life

Protect your paycheck with disability insurance through Sun Life.

Disability coverage insures your paycheck, replacing a portion of your income if you’re unable to work due to a covered illness or injury.

Short-term disability

Short-term disability coverage can replace part of your paycheck if you’re unable to work for a shorter period of time. This coverage is available for purchase.

Key Details:

  • Benefits begin:

    • Accident: After 14 days of inability to work

    • Illness: After 14 days of inability to work

  • Coverage amount:

    • 60% of your income, up to $2,000 per week

  • Payments may continue:

    • Up to 11 weeks if you’re unable to return to work

Pre-existing condition limitations

If you make a disability claim within the first year of being covered, check your plan details to see how pre-existing condition limitations might impact your coverage.

Learn More

Long-term disability

Long-term disability coverage can provide lasting income protection if you remain unable to work. This coverage is available for purchase.

Employee

  • Benefits begin:
    After 90 days of inability to work (once short-term disability ends)

  • Coverage amount:
    60% of your income, up to $10,000 per month

  • Payments may continue:
    Until your Social Security Normal Retirement Age if you remain unable to work

Executive

  • Benefits begin:
    After 90 days of inability to work (once short-term disability ends)

  • Coverage amount:
    60% of your income, up to $15,000 per month

  • Payments may continue:
    Until your Social Security Normal Retirement Age if you remain unable to work

Pre-existing condition limitations

If you make a disability claim within the first year of being covered, check your plan details to see how pre-existing condition limitations might impact your coverage.

Learn More

 
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Voluntary Life and AD&D Insurance ▼

Administered by Sun Life

Life insurance pays a benefit if you pass away while you’re covered. Accidental Death and Dismemberment (AD&D) insurance offers additional support if you pass away or are seriously injured due to an accident.

You may purchase Voluntary coverage for you, your spouse, and your eligible child(ren).

For You:

  • Coverage increments: $25,000

  • Coverage maximum: 5x your annual earnings to $150,000

  • Medical question limit: $150,000

For Your Spouse:

  • Coverage increments: $5,000

  • Coverage maximum: 50% of your (employee) coverage amount, up to $50,000

  • Medical question limit: $50,000

For Your Child(ren):

  • Coverage increments: Not applicable

  • Coverage maximum: $10,000 (Under 6 months: $250)

  • Medical question limit: Does not apply

What's AD&D?

Accidental Death and Dismemberment (AD&D) insurance may pay:

  • Your beneficiary if you pass away due to an accident

  • You a partial benefit if you lose specified bodily functions (sight, limbs, etc.)

Medical question limit

When you're first eligible (a new hire), you can purchase additional life insurance up to the medical question limit without any medical questions required.

Medical questions and approval will be required for all future increase and purchase requests.

Learn More
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Accident ▼

Administered by Sun Life

Accident coverage through Sun Life pays you a cash benefit to help with your expenses –your deductible or copays, transportation, groceries and more – if you or a covered family member is injured due to an accident. The money is yours to use as you choose.

Learn More
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Critical Illness ▼

Administered by Sun Life

Critical illness coverage through Sun Life pays you a cash benefit to help with your expenses– your deductible or copays, transportation, groceries and more – if you or a covered family member is diagnosed with a covered critical illness. The money is yours to use as you choose.

Learn More
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Hospital Indemnity Insurance ▼

Administered by Sun Life

Hospital Indemnity coverage through Sun Life pays you a cash benefit to help with your expenses - your deductible or copays, transportation, groceries and more - if you or a covered family member is admitted to the hospital. The money is yours to use as you choose.

Learn More
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Identity Theft & Legal Protection ▼

Preferred Legal

Pre-paid legal care through Preferred Legal Plan can provide you with legal advice and consultation about various topics at no added cost. Available topics include wills and estate planning, money and finances, driving or traffic matters and more.

Learn More

Identity Theft Protection

Identity theft protection through IdentityWorks helps monitor your credit and personal information online. You can buy coverage for yourself, your spouse and/or your child(ren).

Learn More
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Additional Benefits ▼

Support for your health, finances, and life.

Travel Emergency Assistance: With your Sun Life coverage, you receive an emergency travel assistance program and ID-theft protection services provided by Assist America. This travel emergency assistance program immediately connects you to doctors, hospitals, pharmacies and other services if you experience a medical or non-medical emergency while traveling 100 miles away from your permanent residence, or in another country.
 

Mental Health Hub: Access on-demand mental health resources on a platform built with your mobile device in mind.

The Mental Health Hub includes:

  • Tips for managing day-to-day stressors,

  • Resources for times of crisis,

  • Practical information about mental health, and more!

Always-on monthly toolkit: Mobile-friendly, no-cost monthly resources designed to help you support your health, understand your benefits, and manage your finances.

Virtual Health Care: Rula: virtual mental health care
Schedule a virtual (online) session with a licensed mental health professional in about 5 minutes – and see your provider as soon as tomorrow.

  • Care is available in all 50 states.
  • Get a personalized cost estimate before your session based on your insurance coverage.
  • Select from a list of providers who meet your needs: gender, language/culture, therapy type, and more.
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Employee Assistance Program (EAP) ▼

Our Employee Assistance Plan (EAP) through Sun Life provides you and your family with no-cost, confidential assistance with all things related to your life, including mental health, finances, caregiving, relationships, community resources, and more. Support is available 24 hours a day, 7 days a week, 365 days a year.

Mental health: get up to 3 visits per issue, per year at no cost to you. Household members are eligible as well.

  • Phone: 1-877-595-5281

  • Website: guidanceresources.com

  • Web ID: EAPBusiness 
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Carrier Contacts ▼

Click here to view carrier contact information

Don't Miss Out

All benefits eligible team members must submit their open enrollment elections in Employee Navigator. If you decide not to speak with a benefit counselor, you still must elect or waive benefits on your Employee Navigator account. If you do not take action, your current benefits will discontinue on May 31, 2026.