Each benefit-eligible employee must speak with a benefit counselor to enroll in or waive benefits for the 2025 plan year.
During your individual appointment, you will have the opportunity to:
Click the button below or call 855-515-0275, Monday - Friday, 8 a.m. - 5 p.m., CT to schedule your appointment.
Kesser is 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 or refer to our Benefit Guide. This site provides a highlight of the plans offered by your employer and in no way serves as the Summary Plan Description or plan document for the plans. If any discrepancies exist between this site and the plan documents or Kesser Policy, the plan documents or policies shall govern. All Summary Plan Descriptions are available through Human Resources. We reserve the right to modify any of these plans at anytime.
Administered by Allied
Kesser offers two medical plans for you to choose from:
Click here to learn more about your medical plan options through Allied.
Click here for a full list of IRS approved preventive drugs for the HDHP plan.
Telemedicine through Teladoc
Teladoc is an affordable solution to the challenge of healthcare access. Teladoc provides you and your family with round-the-clock access to U.S. based licensed physicians for telephone consultations. Regardless of your location, you can connect with a doctor in real-time for treatment or diagnosis of common conditions.
Phone: 1-800-TELADOC (835-2362)
Administered by First American Bank
When you enroll in our High Deductible Health Plan (HDHP), you have the option to open a Health Savings Account (HSA). HSA funds can be used to pay for eligible medical, dental and vision expenses for you and your eligible dependents, including deductibles, coinsurance, prescriptions, acupuncture and more, tax-free, now and in the future. Family members do not need to be covered under your plan in order to use the HSA funds.
With the HSA, you are in charge. You decide:
Kesser will be making a $500 Single, $750 Employee + Spouse, $750 Employee + Child(ren), and $1,000 Family contribution into your HSA. The contribution is in two installments: the first pay period in January and the first pay period in July.
2025 Annual HSA Contributions Limits:
2025 Kesser HSA Contributions:
Administered by BlueCross BlueShield
Kesser offers two dental plans for you to choose from:
Our dental plans provide you and your family with coverage for preventive dental care and both major and basic dental procedures to improve overall oral health.
Administered by BlueCross BlueShield
Network: Eye Exam
Our Vision Plan provides you with coverage for eye exams, lenses and frames—vision care for the whole family. Contact lenses are also covered, in lieu of prescription lenses.
For a complete list of in-network providers near you, visit member.eyemedvisioncare.com/bcbsil or call 1.855.362.5539.
Administered by Transamerica
Voluntary Short-Term Disability (STD)
When you can’t work, income replacement insurance can be a financial lifeline during an uncertain time. That’s the assurance of TransDI Plus. It helps replace up to 60% of your salary if you’re unable to work due to total disability. Your company is making this voluntary insurance available to you. You can select the amount you want to buy in $100 increments. Once you’ve satisfied the waiting period, your benefits will continue as long as you are totally disabled, up to the maximum waiting period stated in the policy. If you are ready to return to work immediately after being totally disabled but cannot yet work full-time, you could receive up to 50% of your monthly benefit for up to six months while you are partially disabled.
FLEXIBLE BENEFIT AMOUNTS
With TransDI Plus, you can select the amount you want to buy in $100 increments. For periods of disability that last less than one month, you will be paid at 1/30th of the monthly benefit for each day you are eligible to receive benefits.
All claims can be filed by contacting Transamerica directly at 888-763-7474 or by visiting transamerica.com.
Administered by BlueCross BlueShield
Basic Life and AD&D
Basic Life Insurance is only for employees who are enrolled in Major Medical plans ($5,000 HDHP or ACP 16-Medicare). Basic Life Insurance helps ease your loved ones’ financial burden. Your designated beneficiary will receive a benefit if you pass away from a covered accident or illness. In addition, Accidental Death and Dismemberment (AD&D) provides a benefit to your beneficiary if you pass on or become dismembered due to a specifically covered accident. Always make sure your beneficiaries are updated. The cost of the benefit is 100% paid for by the company.
Voluntary Life and AD&D
Voluntary Term Life/AD&D allows you to purchase additional coverage at your own financial expense to ease your loved ones’ financial burden if something should happen to you. Costs are determined on group discounted rates. Always make sure your beneficiary information is updated. An employee must elect employee coverage in order for a spouse or child to elect coverage. An employee’s maximum benefit election cannot exceed 5x their basic annual earnings. A spouse’s maximum election cannot exceed 50% of what the employee takes out on themselves. Domestic partners are also eligible for spouse coverage. Children are eligible for coverage from 15 days to 26 years old (Age 25 in Texas).
During this open enrollment, you can enroll up to $100,000 without answering medical questions!
The cost of the benefit is 100% paid for by you. Your age and the amount of insurance you elect determines the premium you’ll pay. Costs will go up as you age.
Administered by Chubb
Cancer Advocate is more than just advocacy; it is a comprehensive program that is designed to help save lives. By combining financial protection and personalized cancer care, Cancer Advocate aims to provide employees with the best possible outcomes.
Cancer Risk Screening
One of the key features of Cancer Advocate is genetic cancer risk screening. This screening allows individuals to determine their risk for cancer based on their genetic makeup. By understanding your genetic predisposition, you can take proactive steps to manage your risk and potentially prevent the onset of cancer.
Cancer Management
Additionally, Cancer Advocate offers pharmacogenomic (PGx) testing. This innovative approach analyzes your DNA to determine the most effective treatment options for your specific genetic profile. By tailoring treatment plans to individual patients, this analysis can maximize the chances of successful outcomes and minimize potential side effects.
Insurance Protection
Employees with Cancer Advocate will receive cash payments over a 12–month period to help reduce the financial burden of cancer. Cancer Benefit payment can be in increments of $5,000 for up to $15,000 in cash payments. Payments are made directly to the employee, or upon death, to the designated beneficiary.
Cancer Care
But Cancer Advocate doesn't stop there. Chubb understands that navigating the complex world of cancer care can be overwhelming. That's why Cancer Advocate provides a dedicated oncology nurse advocate to guide you through every step of your journey. From coordinating clinical trial enrollment to facilitating expert medical reviews, Chubb will provide a nurse advocate to be there to support you and ensure you receive the highest quality care.
Cancer Recovery
Employees will also receive Recurrence Monitoring for up to 3 years following completion of active treatment, with frequency tailored to employees’ specific cancer type.
Privacy
Neither your insurer, employer, nor healthOme have access to view employee health or genetic data, which is considered Protected Health Information (PHI). Employees have full control over who has access to their data.
Administered by Aura
Identity theft can happy to anyone. With Aura’s Identity Protection plan you’re able to have financial account and credit monitoring and 24/7/365 alerts and fraud recovery. You will receive personalized threat insights to help you protect yourself against the latest trends and fraud scams. You can get reimbursed for many out-of-pocket costs that occur with fraud cases including stolen wallet emergency case up to $500. Should fraud happen to you, Aura is there to help and guide you.
Administered by Aetna
This plan provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. Covered conditions include heart attack, major organ failure, kidney failure, stroke, cancer, and more. And every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. Click here to learn more!
Newly eligible employees have a special opportunity to elect coverage, up to a certain amount, without answering medical questions!
Administered by Aetna
When you suffer an accident (on and off-the-job) such as a burn or broken bone, Accident Insurance provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers, and can be used at your own discretion. And every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. Click here to learn more!
Enroll without answering medical questions!
Administered by Aetna
Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare. This plan covers hospitalization due to COVID-19, accident, illness, and childbirth.
Enroll without answering medical questions!
Administered by Transamerica
We understand that your health can impact your finances and vice versa. That’s why our universal life insurance also includes a rider (or “benefit”) for long-term care needs that allows you to access a portion of your death benefit in the event you require extended care. The benefit can then be used to help pay for licensed care at home, in a facility, or even if you’re confined to a hospital or other care facility for specialized treatment.
During this open enrollment, you can enroll up to $200,000 without answering medical questions!
All claims can be filed by contacting Transamerica directly at 888-763-7474 or by visiting transamerica.com.
Administered by Transamerica
Administered by BlueCross BlueShield
EAP service offers caring and professional assistance for a broad range of concerns including stress management, depression and anxiety, relationship or family conflicts, workplace conflicts, legal or financial difficulties, and drug or alcohol abuse. Services are confidential - neither your employer nor co-workers have knowledge of your request for help. EAP services are available 24 hours a day, seven days a week for you and your eligible dependents. There is no cost, it’s just there for you when you need it. Call 866.899.1363 to get started.
Possible reasons to call can include:
Kesser is committed to supporting employees mental, emotional, and physical well-being through Kessers' Wellness Program. Kesser realizes the tremendous stress and emotional weight the last several years have had on our industry and is committed to providing well-being solutions for employees that will restore their physical health, mental health, and capacity to care.
Biometric screenings offer an opportunity for individuals to discover and become aware of conditions and risks they did not know of at the time.
We encourage you to participate in our program and take advantage of its resources.
Administered by WEX, for Illinois residents only
AA Mass Transit account allows you to put aside money ($325) to pay for eligible transit expenses you purchase to commute to and from work. The funds going into your transit account are tax free, which saves you money on services you already purchase.
Eligible expenses include:
Fast Savings
You can save up to 30 percent (based on 30 percent tax bracket) or more on your costs of commuting to and from work.
Get hours back in your day
The average one-way commute to work is nearly 30 minutes! By using public transit, you can use that time to read news, text friends or get a start on your day.
Improve your health
Studies have shown that people who commute to and from work in a method other than a private vehicle have lower BMIs. And the drive to work can be stressful.
Environmental Impact
Do your part to reduce traffic congestion and air pollution.