Authority Brands 2022 Benefits

Active Enrollment ▼

To help our team members better understand all their benefit offerings as well as assist them with completing their enrollment elections, we have partnered with EOI Service Company. EOI’s benefit counselors will provide an overview of all our benefit plans with all team members via personalized, individual phone appointments to help ensure that team members have the information needed to make appropriate and timely decisions.

If you do not complete your enrollment by June 2, 2023, any current benefits will end at midnight on June 30, 2023.
Accident, Critical Illness, Hospital Indemnity, Cancer Guardian, and LifeTime Benefit Term Insurance with Long Term Insurance will automatically roll over if you do not take action.
You must make a new election to participate in all Flexible Spending Accounts (FSAs) and/or Health Savings Accounts (HSAs) for 2022. FSA and/or HSA elections do not carry over from year to year.
Even if choosing to waive coverage enrollment must be completed in order to provide beneficiary information for your company-paid life insurance.

Your opportunity to enroll in your 2023 benefits will be held from May 22 - June 2, 2023

During your personalized individual meetings, EOI benefit counselors will:

Review your benefits package available
Answer questions and provide additional information
Enroll you in your selected benefits for the 2023 plan year

We recommend all employees login into Bswift for the first time with a counselor to save time.

If you log in prior to meeting with a counselor please be sure to have your Bswift login and password for your one-on-one appointment.

Passwords are reset prior to Open Enrollment every year and you will be prompted to change your password upon login.

Username: AB + Last name + last 4 digits of Social Security Number (ABsmith1234)
Password: Date of Birth: MMDDYYYY (01021977)

or you can call 833-501-0758

Medical ▼

Administered by United HealthCare

Authority Brands is proud to offer you a choice between three different medical plans through UMR. Your network of providers will be the National United Healthcare Choice Point of Service network.

You are not required to select a primary care physician. Referrals to see specialist are not needed, but we encourage all members to utilize in-network providers to avoid balance billing.

Coverage under these plans includes comprehensive medical care and prescription drug coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle.

$4,000 Deductible Plan - Point of Service Program
$2,000 QHDP - Qualified High Deductible Plan (QHDP)
$1,000 Deductible Plan - Point of Service Program

Find a Provider

Network physicians, hospitals, clinics, and labs charge discounted rates which typically saves you money. Even though the plan provides coverage for care outside the network, be aware that it could cost you more.

Visit umr.com registration (if you have not registered):

Make sure you have your ID card handy
Click the Login/Register button in the upper-right corner to open an account
Follow the steps to get started.

Once registered make umr.com your first stop

Find a physician, clinic, hospital or lab

Search by location, specialty, condition
Search by hours of operation and more
See patient ratings
Compare quality and costs

Health Savings Account (HSA) ▼

Administered by Optum Bank

Only $2,000 QHDP Participants are Eligible

If you enroll in the $2,000 QHDP, you will have access to an HSA through Optum Bank. HSAs are financial accounts that you can use to accumulate tax-free funds to pay for qualified health care expenses. Authority Brands will make an annual contribution to your HSA, up to $360 for individual coverage and $720 for family coverage on a per paycheck basis (employer funding will be prorated for new hires). Employees age 65 and older are not eligible. To qualify for an HSA, you must be covered under a QHDP; have no other health insurance coverage; may not be enrolled in Medicare A, B or D or TriCare; or claimed as a dependent on someone else's tax return. See IRS publication 969 for additional information.

The account acts like a regular savings account with a debit card. The money in the account is owned by you and is fully portable. Funds can accumulate over time and roll over each year. If you use the funds for qualified health care expenses, you will pay no taxes. If you use the money for other expenses, you will pay a tax and a penalty fee.

Dental ▼

Administered by Delta Dental

You can see any dentist you choose, but you will pay less if you use a dentist in the Delta Preferred or Delta Premier Networks. In either network you will pay the applicable coinsurance (after deductible) of negotiated rates. Out of network you will pay applicable coinsurance (after deductible) of the total charge (there is no charge cap or negotiated rate).

Find your provider by visiting the website, calling the 800# below, with the Delta Dental App:

To download the mobile app:

Visit the App Store (Apple) or
Google Play (Android)
Search for Delta Dental Mobile App

Benefit Advocacy ▼

Administered by HealthAdvocate

Whenever you have a healthcare or insurance-related issue, Health Advocate’s experts are standing by to help.

Quickly reach us any way you like —by phone, email, online or our mobile app.
Confidential support from Personal Health Advocates for healthcare and insurance-related issues
Get answers to your insurance and claims questions and resolve billing issues
Find the right in-network doctors, make appointments and transfer records
Make informed decisions about medical conditions and diagnoses, arrange second opinions

Call: 866.799.2731

Email: answers@HealthAdvocate.com

Web: HealthAdovcate.com/members

Flexible Spending Account (FSA) ▼

Eligibility Based on Medical Plan Election

Flexible Spending Accounts (FSA’s) offer another way to save money on health care and dependent care expenses. You may submit expenses incurred by any of your dependents, whether or not they are covered by the insurance plans you have through your employer. Employees need not be enrolled in either medical plan to participate in FSAs.

If you enroll, you fund the accounts via a payroll deduction each pay period. Money that you contribute to your FSAs is not subject to social security taxes, federal, and in most cases, state income taxes.

Please note: The CARES Act was recently signed into law and permits plan participants to purchase OTC medicines and products with their HCFSA (excludes Limited Healthcare FSA). This feature was lost to plan participants in 2011, when the Affordable Care Act (“ACA”) limited the purchase of OTC products to plan participants with a prescription. Now that the CARES Act is law, you may begin to use your HCFSA monies for these OTC purchases. Further, the CARES Act extended the list/category of included items to include menstrual care products.

Reimbursements for purchases made on or after December 31, 2020 are eligible for reimbursement through paper submissions, web-submissions, or app-based claims-submissions and are subject to all the usual claims submission deadlines, rules, etc. If you previously filed a claim and were denied for lack or a prescription, etc., please submit a new claim at this time.

2021_2022 AuthorityBrands_FSA

Eligible Dependents

In regards to your Dependent Care FSA, the IRS defines an eligible dependent as:

A child under the age of 13 and may be claimed as a deduction for personal exemption under Code Section 151(c).
A spouse who is physically or mentally incapable of self-care.
A disabled person who is physically or mentally incapable of self-care who you provide more than 50% support, and who qualifies as your dependent under Code Section 152.

FSA Claims & Reimbursements

Current Account Users

Requests for reimbursement from your FSA may be made online at https://apbenefitadvisors.wealthcareportal.com or by completing a claim form. Claim forms can be faxed to AssuredPartners at 410-771-9487, along with proof of expenses (i.e. receipts from your dependent care provider) detailing provider name, date expense incurred, and description of service. Reimbursements are generally distributed through payroll.

New Account Users

Please visit https://apbenefitadvisors.wealthcareportal.com to register for the FSA website.
Enter a User Name meeting the minimum requirements.
Enter a Password meeting the minimum-security requirements. Please do not use your name in the password.
Confirm Password.
Enter your First Name and Last Name as they were provided to your employer at enrollment. No suffixes or commas.
Provide an Email Address.
For Registration ID use the Employer's ID, which is CRWAUTHORITY.
Enter your Employee ID (your Social Security Number).
Click I accept Terms of Use.
Click Next.

Go to the "Communication" Tab, then click "Communication Preference" in the dropdown.

Changing Your Contribution Amount

Federal regulations prohibit you from changing your enrollment or the amount of your election during the plan year. You are only eligible to change your elections during the year if you have a qualifying life event status change. Only benefit changes consistent with the change in status are permitted. Life event status changes that may warrant a change in benefit elections are described on page 4 and 5 of your benefit guide.

Life Insurance and AD&D ▼

Administered by The Standard

Basic Life and AD&D Insurance is 100% employer-paid

Authority Brands offers all employees life and accidental death and dismemberment insurance through The Standard. The Basic AD&D amount is equal to the life amount. Employees are responsible for paying imputed income on the coverage amount in excess of $50,000.

Non-Commissioned Employees: Base annual salary (excludes overtime/bonus/commissions)
Commissioned Employee: Greater of $41,600 or prior year W-2 earnings

Voluntary Life and AD&D Insurance

Limited Open Enrollment: During this open enrollment period, you can increase or elect (unless previously declined) your life insurance up to a maximum of $20,000 (in $10,000 increments) and up to $10,000 (in $5,000 increments) for your spouse without providing proof of good health. If you wish to elect coverage in excess of the limited open enrollment amount, you need to complete the online Evidence of Insurability form and The Standard needs to approve.

You may elect life insurance coverage for yourself, your spouse and your dependent children – all at an affordable group rate provided by The Standard. Please review Voluntary Life and AD&D elections during your Open Enrollment. Voluntary Life coverage is updated in the enrollment system. This coverage comes in the following increments:

Employee Voluntary Life/AD&D

Benefit Amount: increments of $10,000, max of 5 times annual salary (excludes overtime, bonus and commissions) rounded to the next higher $10,000
Non-Medical Maximum Benefit: $200,000
Maximum Benefit: up to $500,000
New Employees (age 70+): maximum coverage is $50,000
Same age reduction as Basic Life

Spousal Voluntary Life/AD&D

Benefit Amount: increments of $5,000 up to $250,000, not to exceed 100% of employees Voluntary Life amount
Non-Medical Maximum Benefit: $50,000
Maximum Benefit: 100% of employee's amount or $250,000, which ever is less
Same age reduction as Basic Life. Employee must have Voluntary Life before Spousal Voluntary Life and Dependent Child Life can be elected. Spouse rates are based on the employees age as of the coverage effective date. Rates are adjusted on each plan anniversary (7/1).

Dependent Child Voluntary Life (ONLY)

Benefit Amount: flat $10,000
Non-Medical Maximum Benefit: $10,000. From age 14 days to 26 years. Employees with current coverage in excess of $10,000 are grandfathered. Child amount cannot exceed spouse amount.

Disability ▼

Administered by The Standard

Short-Term Disability is 50% employer-paid

To ensure your income will continue if you are unable to work due to a disability, Authority Brands provides short-term disability (STD) through The Standard. Benefits are payable for a non-occupational injury or illness that keep you from performing the normal duties of your job. If a medical condition is job-related, it is considered Workers’ Compensation rather than STD.

Benefits Start After: 14 day illness/injury (elimination period)
Benefit Amount: 60% of base weekly earnings up to $2,500 / week
Maximum Benefit Duration: 11 weeks (including 14 day elimination period), no pre-existing conditions

Long-Term Disability

Long-Term Disability (LTD) insurance helps replace a portion of your income for an extended period of time. Authority Brands provides LTD benefits through The Standard.

Benefits Start After: 90 days
Benefit Amount: 60% of predisability base monthly earnings up to $10,000 / month*
Maximum Benefit Duration: The later of your SSNRA*, age 65, or recovery.

*Non Commissioned Employees: Base annual salary (excluding overtime / bonus / commissions) Commissioned Employees: Greater of $41,600 or prior year W-2 earnings.

*SSNRA means the Social Security Normal Retirement Age in effect under the Social Security Act on the Policy Effective Date.

Pre-Existing Condition Limitations - Applicable to Long-Term Disability

The carrier will not pay benefits for any period of Disability caused or contributed to by, or resulting from, a pre-existing Condition. A “Pre-existing Condition” means any Injury or Sickness for which you incurred expenses, received medical treatment, care or services including diagnostic measures, took prescribed drugs or medicines, or for which a reasonable person would have consulted a Physician within 3 months before your most recent effective date of insurance. (A pre-existing condition does not apply if you have not received treatment for the pre-existing condition 6 consecutive months after your effective date.)

The pre-existing Condition Limitation will apply to any added benefits or increases in benefits. This limitation will not apply to a period of Disability that begins after you are covered for at least 12 months after your most recent effective date of insurance, or the effective date of any added or increased benefits.

NOTE: This is not intended to be a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern.

Employee Assistance Program (EAP) ▼

A helping hand when you need it. Rely on the support, guidance and resources of your Employee Assistance Program.

There are times when you might need a little help coping or figuring out what to do. Take advantage of the Employee Assistance Program (EAP) available to you, your dependents (including children to age 26) and all household members in connection with your group insurance from Standard Insurance Company (The Standard).

The EAP is confidential.

Connection to Resources, Support and Guidance Contact the program’s master’s-level counselors 24/7. Reach out through the mobile EAP app or by phone, online, live chat, and email.

Get referrals for support groups, a network counselor, community resources, your health plan, education, adoption, daily living and care for your pet, child or an elderly loved one.

Your program includes up to three counseling sessions per issue. Sessions can be done in person, on the phone, by video or text.

EAP services can help with:

Depression, grief, loss and emotional well-being
Family, marital and other relationship issues
Life improvement and goal setting
Addictions such as alcohol and drug abuse
Stress or anxiety with work or family
Financial and legal concerns
Identity theft and fraud resolution
Online will preparation and other legal documents

Online Resources: www.healthadvocate.com/standard3

Explore videos, guides, articles, webinars, resources, self-assessments and calculators.

Accident Insurance ▼

Administered by MetLife

Includes COVID-19 Coverage!

When you suffer an accident (on and off-the-job) such as a burn or broken bone, Accident insurance from MetLife 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.

Two plan options: low plan vs high plan
The plan includes a $75 Wellness Benefit when a defined health assessment is completed; a COVID-19 test, as well as other prevention tests, are covered under this wellness benefit.

Click here to learn more!

Accident Insurance participants will also have access to discounts or services through MetLife Advantages that will provide you with actionable tools and resources to help you navigate life’s twists and turns.

Critical Illness Insurance ▼

Administered by MetLife

Includes COVID-19 Coverage!

No one can be completely prepared for when critical illness strikes, but if you or a loved one is diagnosed with a covered condition such as cancer, stroke, or heart attack, Critical Illness Insurance through MetLife 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.

Includes coverage for infectious diseases like COVID-19.
$50 Wellness Benefit when a defined health assessment is completed; a COVID-19 test, as well as other prevention tests, are covered as a wellness benefit.

Click here to learn more!

Critical Illness Insurance participants will also have access to discounts or services through MetLife Advantages that will provide you with actionable tools and resources to help you navigate life’s twists and turns.

Cancer Guardian ▼

with financial navigation for COVID-19 hardship!

A new and innovative, high touch support program designed to provide an individual and their family with genetic testing that indicates whether you are predisposed to cancer, dedicated resources, and the technology needed to effectively navigate cancer while improving chances of survival. This benefit also includes a dedicated Cancer Guardian support specialist to collect pertinent information needed to source and access financial assistance due to COVID-19.

Some features of Cancer Guardian include:

Hereditary Screening Test
Comprehensive Genomic (DNA) Profiling
Cancer Guardian Support Line
Dedicated Nurse Case Manager
Medical Records Storage & Transmission Platform

This benefit also includes a dedicated Cancer Guardian support specialist to collect pertinent information needed to source and access financial assistance due to COVID-19.

If you have additional questions reach out to Cancer Guardian Support Line at 833-248-2734 or email ClientServices@CancerGuardian.com. Hours of Operation: Monday - Friday, 6 am-6 pm PST.

Hospital Indemnity Insurance ▼

Includes COVID-19 Coverage!

Even with health insurance, a stay in the hospital can become very costly very quickly as out-of-pocket charges begin to add up. Hospital Indemnity insurance from MetLife 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 benefit will also cover a hospital admission or stay due to COVID-19.

Two plan options: low plan vs high plan
Covers a hospital admission or stay due to COVID-19.

Click here to learn more!

Hospital Indemnity Insurance participants will also have access to discounts or services through MetLife Advantages that will provide you with actionable tools and resources to help you navigate life’s twists and turns.

Whole Life Insurance - New Benefit! ▼

Whole Life through MetLife goes beyond typical term life insurance. As life insurance, this plan protects your family with money that can be used anyway they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses. This plan includes “livingbenefits” that allows you to accelerate a portion of the life insurance death benefit if diagnosed by a physician as terminally ill. These extra “livingbenefits” can be used to help pay expenses from an unexpected medical crisis and help alleviate the worry of future financial problems.

Travel Assistance ▼

Things can happen on the road. Passports get stolen or lost. Unforeseen events or circumstances derail travel plans. Medical problems surface at the most inconvenient times. Travel Assistance can help you navigate
these issues and more at any time of the day or night.

You and your spouse are covered with Travel Assistance — and so are kids through age 25 — with your group insurance from Standard Insurance Company (The Standard).

Security That Travels with You

Travel Assistance is available when you travel more than 100 miles from home or internationally for up to 180 days for business or pleasure. It offers aid before and during your trip, including:

Visa, weather and currency exchange information, health inoculation recommendations, country-specific details and security and travel advisories
Credit card and passport replacement and missing baggage and emergency cash coordination
Help replacing prescription medication or lost corrective lenses and advancing funds for hospital admission
Emergency evacuation to the nearest adequate medical facility and medically necessary repatriation to the employee’s home, including repatriation of remains
Connection to medical care providers, interpreter services, local attorneys and assistance in coordinating a bail bond
Return travel companion if travel is disrupted due to emergency transportation services or care of minor children if left unattended due to prolonged hospitalization
Assistance with the return of your personal vehicle if your emergency transportation services leave it stranded
Evacuation arrangements in the event of a natural disaster, political unrest and social instability

Get the App

Get the most out of Travel Assistance with the Assist America Mobile App.

Download the app and enter your reference number (01-AA-STD-5201) and name to set up your account. From there, you can use valuable travel resources including:

One-touch access to Assist America’s Emergency Operations Center
Worldwide travel alerts
Mobile ID card
Embassy locator

Contact Travel Assistance

United States, Canada, Puerto Rico, U.S. Virgin Islands and Bermuda:
800.872.1414

Everywhere else:
+1.609.986.1234

Text:
+1.609.334.0807

Email:
medservices@assistamerica.com

Life Services Toolkit ▼

Group Life insurance through your employer gives you assurance that your family will receive some financial assistance in the event of a death. But coverage under a group Life policy from Standard Insurance Company (The Standard) does more than help protect your family from financial hardship after a loss. We have partnered with Health AdvocateSM to offer a lineup of additional services that can make a difference now and in the future.

Online tools and services can help you create a will, make advance funeral plans and put your finances in order. After a loss, your beneficiary can consult experts by phone or in person, and obtain other helpful information online.

The Life Services Toolkit is automatically available to those insured under a group Life insurance policy from The Standard.

Services to Help You Now

Visit the Life Services Toolkit website at standard.com/mytoolkit and enter user name “assurance” for information and tools to help you make important
life decisions.

Estate Planning Assistance: Online tools walk you through the steps to prepare a will and create other documents, such as living wills, powers of attorney and advance directives.
Financial Planning: Consult online services to help you manage debt, calculate mortgage and loan payments, and take care of other financial
matters with confidence.
Health and Wellness: Timely articles about nutrition, stress management and wellness help employees and their families lead healthy lives.
Identity Theft Prevention: Check the website for ways to thwart identity thieves and resolve issues if identity theft occurs.
Funeral Arrangements: Use the website for guidance on how to begin, to educate yourself on funeral costs, find funeral-related services and make decisions about funeral arrangements in advance.

LegalEASE Legal Plan ▼

Nobody likes to be caught off guard, especially when it comes to legal matters. Life can be complicated. Finding a good attorney doesn’t have to be. With a LegalEASE benefit plan, it’s easy to choose the best attorney, because you get assistance from highly trained and qualified personal specialists who review the details of local attorneys and help you find your best source for legal advice. Being a LegalEASE benefits plan member saves you time and costly legal fees. But most importantly, it gives you confidence and provides coverage for common legal matters.

Identity Theft Protection ▼

Administred by IdentityForce

IdentityForce, previously known as CyberScout, provides award-winning services that give individuals and families the tools and knowledge they need to take control of their personal information and better protect themselves from cyber attacks and related crime. IdentityForce’s services help to reduce employees’ anxiety by educating them about identity theft risks and protection strategies. Our seasoned experts are advocates who work to guide them through the resolution and recovery process in the event their identity is compromised or they experience data theft or loss.

IdentityForce’s long-standing reputation, industry expertise and scalable approach offer businesses and their employees a trusted ally for:

Identity management
Breach education, preparation, response and remediation
Fraud, credit and reputation monitoring
Cybersecurity and data privacy consulting

The Platnum Plan

IdentityForce’s Platinum Plan offers the most comprehensive identity and monitoring coverage, pulling information from all three credit-reporting agencies. The Platinum Plan also offers additional social media monitoring for employees and their children.

2021_2022 AuthorityBrands_CyberRates

Visit www.IdentityForce.com for more information.

Discounts ▼

Benefit Hub

Enjoy discounts, rewards and perks on thousands of the brands you love in a variety of categories:

Travel
Auto
Electronics
Apparel
Local Deals
Education

Entertainment
Restaurants
Health and Wellness
Beauty and Spa
Tickets
Sports & Outdoors

ClassPass

Why ClassPass?

We’ve got it all: on-demand videos, livestream classes wellness experiences, & in-studio classes.

Cole Haan

Enjoy 40% off! Click here to learn more.

Tickets at Work

We’re here to support your personal and financial well-being through exclusive deals and limited-time offers on the products, services, and experiences you need and love.