We are committed to offering a portfolio of benefits that give you peace of mind in knowing that the most important things in life are protected - your family, your finances, and your future. 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.
There is nothing more important than your health. EOI offers two medical plans: one for California-only residents and one for either California or non-California residents. Please see below for more information regarding your particular plan.
California Team Members
Team members who reside in the state of California may choose to participate in either the Kaiser or Cigna medical plan. Click here to learn more.
| Monthly Kaiser Rates | |
|
Employee |
$126 |
|
Employee + Spouse |
Rates vary from person to person* |
|
Employee + Child(ren) |
|
|
Employee + Family |
|
*Important note for California employees on the Kaiser plan: dependent medical rates differ from person to person. For exact rates, please contact EOI Benefits Department (eoibenefits@eoiservice.com).
Illinois and Non-California Team Members
Team members who reside in a state other than California may choose to participate in the Cigna medical plan. This plan features an employer-funded Health Reimbursement Arrangement (HRA) which you can use to pay for your qualifying out-of-pocket medical expenses. The plan will reimburse you 75% of your eligible medical expenses up to a maximum of $2,200 per family or individual. Up to $500 of unused funds can be carried forward to the next year. Click here to learn more.
| Monthly Cigna Rates | |
|
Employee |
$182.21 |
|
Employee + Spouse |
$1,065.68 |
|
Employee + Child(ren) |
$936.00 |
|
Employee + Family |
$1,601.60 |
Because maintaining your smile is important, EOI offers dental coverage through Guardian.
Guardian offers two plans: a DHMO* and a PPO option. To locate a provider in your area, log on to www.guardiananytime.com or call 800-273-3330, Monday - Friday, 8 a.m. - 5 p.m. Pacific.
Please note: The DHMO Dental Plan is only available in the following states: CA, CO, IL, IN, FL, MI, and TX. If you do not live in one of these states and you enroll in the DHMO, you will NOT have dental coverage.
Monthly Rates:
| PPO | DHMO | |
| Employee Only | $86.43 | $18.54 |
| Employee + Spouse | $169.46 | $37.11 |
| Employee + Child(ren) | $219.40 | $40.75 |
| Family | $302.44 | $60.81 |
Vision benefits are essential to maintaining your overall health and well-being, which is why EOI is proud to now offer vision coverage through EyeMed.
Monthly Rates:
| Monthly Premium | |
| Employee | $7.25 |
| Employee + Spouse | $13.78 |
| Employee + Child(ren) | $14.50 |
| Employee + Family | $21.32 |
Team members enrolled in the Cigna medical plan and team members not enrolled in a medical plan through EOI will have access to Teladoc Health at no cost to them. You must have medical insurance to use this service.
Through Call a Doctor Plus (CADR+), Teladoc Health provides 24/7/365 access to a doctor via phone, computer, or mobile app. The program doesn’t have any deductibles or co-pays, meaning that you have quick and easy access to a doctor. All physicians are board-certified and will conduct the consultations over the phone or through video, just like an in-person visit. If a prescription is required, the doctor will send it to your pharmacy of choice.
This benefit is paid for by EOI and is offered to you and your dependents at no cost. You will receive a welcome email with instructions on how to activate your membership. You will also receive an invitation to join an orientation webinar as well as a benefit card.
Kaiser Participants
If you are enrolled in Kaiser you have access to telemedicine appointments via Kaiser.
Flexible Spending Accounts (FSA) allow you to pay for qualified expenses using pre-tax dollars. The money deposited into your spending account is deducted from your paycheck before taxes are withheld, which lowers your taxable income and increases your spending power. Benefits-eligible employees may only register for an FSA in December or upon new hire.
A Medical Flexible Spending Account is available to you to pay for qualified expenses. The annual maximum contribution is $3,200.
The Dependent Care Spending Account helps you pay for daycare expenses for a dependent under the age of 13 or for care of a disabled spouse or parent while you work. Eligible expenses include things like payments to a licensed daycare provider or nursery school, before and after school care, a summer day camp program, or elder care. The annual maximum contribution is $5,000 per family or $2,500 for married employees filing a separate tax return.
Use it or lose it! FSA expenses incurred during the calendar year must be submitted for reimbursement by March 15th of the following year or they will be forfeited.
| Years of Service | 2 | 3 | 4 | 5 | 6 |
| Non-Forfeitable | 20% | 40% | 60% | 80% | 100% |
Basic Term Life Insurance and AD&D is paid for by EOI and provided at no cost to you in the amount of $40,000.
Supplemental Term Life Coverage is available in addition to your EOI-provided basic life insurance. You may also purchase life insurance for your dependents if you purchase additional coverage for yourself. An Evidence of Insurability Form will be needed if you choose to elect an amount greater than the guaranteed issue amount of $100,000 or if you increase your coverage after your initial enrollment period; the E of I form can be found below. Please submit your completed E of I form to EOI Benefits Team at eoibenefits@eoiservice.com.
Click here for Supplemental Term Life Insurance rates.
Click here to download the Supplemental Term Life Insurance summary plan.
Grief Counseling
Grief counseling services are offered with MetLife’s life insurance coverage. Whether it’s help coping with a loss or a major life change, the professional counselors and services we offer through LifeWorks, are ready to support you, your employees and their families to move forward.
Click here to download Grief Counseling information.
LifeTime Benefit Term Insurance with Long Term Care Coverage is available in addition to your EOI-provided basic life insurance. LifeTime Benefit Term is permanent term insurance that can last a lifetime, with premiums guaranteed for life and coverage for qualified long term care expenses like nursing home, assisted living, or home care. The plan is portable and coverage is also available for your spouse and children.
This plan includes guarantee issue up to $75,000 for employees (actively at work) ages 19-70. You have the option to purchase up to $150,000 in coverage on a conditional guarantee issue basis. A short medical questionnaire must be completed for additional coverage.
Click here to download flyer.
Aura keeps your identity safe with extensive monitoring of your personal info, accounts, IDs, and more, and will let you know if any of your online accounts, passwords, or personal information have been compromised. Aura will also monitor your Social Security Number and personal information for bank fraud, including unauthorized wire transfers, new bank account openings, and more. The basic plan (Digital Guard) is provided to all benefit-eligible employees at no cost.
| Aura Semi-Monthly Rates | ||
| Digital Guard | DG Complete | |
| Employee Only | Provided at No Cost to the Employee | $9.95 |
| Family | $11.95 | $15.95 |
To enroll, visit offer.aura.com/eoi
MetLife Legal Plans provides you with access to experienced attorneys and reduces effort on your end. It's a smart, simple, affordable way to get the legal help you need.
EOI strongly supports the professional development of its staff. In order to promote your continuing education, EOI will sponsor this activity in several ways:
*Subscription plans available in addition to free classes.
There are several forms needed for LTD claims. There are 2 employee forms to be completed, 1 employer form, and 1 doctor form. The completed forms can be sent via traditional mail, fax, or emailed to mtpmetlife@metlife.com. The fax number and mailing address are on the top right-hand side of the first page of the form, by the MetLife logo. If submitting via email, the employee would need to include the same information in the email that they would for faxing, a completed employee statement, and a completed employer statement. They also need to include in the subject line: New Claim – Customer Number – Employee Name. Once the claim is initiated and assigned a Claim Specialist (CS), the CS will reach out to you directly for any more needed information.
Accident Insurance through MetLife can help cover the out-of-pocket costs associated with an accident by paying you a benefit depending on any injuries you suffer and treatment you receive. The policy also includes a $100 annual health screening benefit when you complete a qualified screening; COVID-19 tests qualify!
| Example Accident Benefits* | |
| Ambulance (Ground) | $400 |
| Emergency Care | $200 |
| Physician Follow-Up ($100 x 2) | $200 |
| Medical Testing | $200 |
| Concussion | $500 |
| Broken Tooth (repaired by crown) | $300 |
| Benefits paid by MetLife Accident Insurance | $1,800 |
| Accident Monthly Rates | |
| Employee Only | $11.00 |
| Employee + Spouse | $21.53 |
| Employee + Children | $24.78 |
| Family | $30.36 |
Click here to download plan summary.
Click here to learn more about your health screening benefits.
*This is not a comprehensive list of covered injuries and treatments. Limitations may apply.
No one saves to get sick, which is why we are pleased to offer Critical Illness Insurance through MetLife to help you protect your bank account if you are diagnosed with certain conditions and illnesses. The policy also includes a $50 annual health screening benefit when you complete a qualified screening; COVID-19 tests qualify!
| Example Critical Benefits* | |
| Heart Attack - first verified diagnosis | Initial Benefit payment of $10,000 or 100% |
| Kidney Failure - first verified diagnosis, two years later | Initial Benefit payment of $10,000 or 100% |
| Heart Attack - second verified diagnosis, four years later | Recurrence Benefit payment of $5,000 or 50% |
Click here to download plan summary.
Click here to view rates.
Click here to learn more about your health screening benefits.
With MetLife, you’ll have a comprehensive plan which provides lump-sum cash payments in addition to any other payments you may receive from your medical plan. Here are just some of the covered benefits/services, when an accident or illness puts you in the hospital.
| Example Hospital Indemnity Benefits* | |
| Regular Hospital Admission (1x) | $1,000 |
| ICU Supplemental Admission (1x) | $1,000 |
| Regular Hospital Confinement (3 total days) | $600 |
| ICU Supplemental Confinement (1 day) | $200 |
| Benefits paid by MetLife Accident Insurance | $2,800 |
| Hospital Indemnity Monthly Rates | |
| Employee Only | $19.73 |
| Employee + Spouse | $39.74 |
| Employee + Children | $30.48 |
| Family | $50.49 |
Click here to download plan summary.
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:
Cancer Guardian has made an exciting enhancement to the hereditary risk screening test. In addition to the risk identification for hereditary cancers, the test will now report on hereditary risk for cardiovascular diseases and more. If you already completed the risk screening test through Cancer Guardian, you will be able to access the new, enhanced test at no additional cost. To request your enhanced risk screening test, please email clientservices@cancerguardian.
Click here to download flyer.
Click here to download brochure.
| Cancer Guardian Semi-Monthly Rates | |
| Under 50 | $8.00 |
| 50-64 | $10.00 |
| 65+ | $12.00 |
Your Employee Assistance Program provides confidential support and services. As an employee, you can access your Employee Assistance Program at any time, 24/7/365, and speak with a professional, experienced counselor for help with
When you need some support, we're here to help.
Grief Counseling
Grief counseling services are also offered with MetLife’s basic life insurance coverage. Whether it’s help coping with a loss or a major life change, the professional counselors and services we offer through LifeWorks, are ready to support you, your employees and their families to move forward.
Click here to download Grief Counseling information.
Team Members can volunteer both virtually or in person in their community. Time off for face to face volunteering must be requested via Paylocity the same as it would be requested for sick or vacation time. All are welcome to volunteer, however face to face volunteering is only applicable to benefit eligible team members, as this is paid time off.
We have scouted out 10 companies that allow you to volunteer from the comfort of your home. Click the links below to check out different virtual volunteer opportunities.
Excited about this opportunity and want to share? Great! We would like to hear from you. Please reach out to Marquita Brown at mbrown@eoiservice.com for a quick check in to share your experience.
Virtual Volunteer Opportunities:
Volunteer Time Off (VTO)
EOI is offering 8 hours of face-to-face community volunteering. 8 hours can be taken all at once to volunteer for a full day, or in hourly increments. For time keeping purposes the minimum amount of time that can be taken is 1 hour at a time. Volunteer time off is paid and needs to be approved by your supervisor before it can be used. See below for details and requirements:
You must also provide proof of volunteering. There are two ways to provide proof:
10 Benefits of Volunteering:
Travel Assistance Program provides access to assistance services when faced with an emergency while traveling internationally or domestically when more than 100 miles away from home for up to 120 consecutive days. With one phone call, you and your dependents have immediate access to a broad range of services, including medical referrals and appointments, legal referrals, general travel information, and more.
Travel Accident Insurance provides coverage for accidents that happen while on business travel. The amount of the insurance is $150,000 and the aggregate limit per covered accident is $750,000. This coverage is paid for by EOI and offered at no cost to you.
Whether it’s a house, condo, or apartment, there’s no place like home. Protect the place you call home with our flexible and customizable coverage.
Protect against the unexpected with customizable auto coverage that fits your life.
For a home or auto quote please contact Farmers Group Select at 800-438-6381. Please use the prompt for new quotes and be sure to let them know you work for EOI and the discount is via Metlife.
New employees begin to accrue paid time off the first day of the month after the completion of 60 days of service. Paid time off accrues on a per paycheck basis; however, the time cannot be taken off with pay until it is earned. The accrual of paid time off is based upon the years of continuous service, as of January 1st, in accordance with the following schedule:
| After Months of Service | Accrual Rate (hours per paycheck) |
Annual Rate (hours) |
Max Balance (hours) |
Max Carry Over |
| 0 | 3.68 | 88.32 | 136 | 136 |
| 12 | 3.68 | 88.32 | 136 | 136 |
| 24 | 4 | 96 | 144 | 144 |
| 36 | 4.32 | 103.68 | 160 | 160 |
| 48 | 4.68 | 112.32 | 168 | 168 |
| 60 | 5.32 | 127.68 | 192 | 192 |
| 72 | 5.68 | 136.32 | 216 | 216 |
| 84 | 6 | 144 | 232 | 232 |
| 96 | 6.32 | 151.68 | 240 | 240 |
| 108 | 6.68 | 160.32 | 256 | 256 |
| 120 | 7.32 | 175.68 | 264 | 264 |
Holidays
EOI offers eight paid holidays:
Sick Days
In addition to paid time off and holidays, EOI also offers six paid sick days per year. Your sick days do not carry over.
Volunteer Time Off (VTO)
The 8 hours provided for VTO can be used all at once or in as little as 1 hour increments. The time will not roll over, it will be use it or lose it from year to year. It is set to expire on 12/30 of each year and refresh on 1/1 of each year. Please contact Marquita Brown, HR Manager if you have questions about activities you want to volunteer for. Some examples would be, a church, your child's school or any neighborhood organization or established volunteer organization like volunteers of America or habitat for humanity to name a few.
Administered by Access Perks
Enjoy discounts and save money! This benefit is available to all employees.
The program includes a savings website, mobile app and a travel booking engine that can save you thousands of dollars every year -- at local restaurants, retailers, theme parks, movie theaters, travel providers and a lot more. Click here to register and learn more!
Your Employer / Group: EOI Service Company
Medical - Kaiser
Medical - Cigna
Dental - Guardian
Vision - EyeMed
Life, Legal, Disability, Accident, Critical Illness, Hospital Indemnity - MetLife
Cancer Guardian - Genomics
LifeTime Benefit Term Insurance with Long Term Care - Chubb
Identity Theft Protection - Aura
Retirement Planning - TRI-AD
This enrollment period is the only opportunity to enroll in benefits until the next annual enrollment period unless you experience a qualifying life event.
Certain coverages allow limited changes to your benefit elections during the year. These benefits include the Medical, Dental, Vision, Life, and Disability. For these benefits, you may only make changes to your elections during the year if you have a qualifying life event.
Qualifying life events include:
The change to your benefit elections must be consistent with the qualifying life event. You have 30 days from the qualifying life event to request your enrollment change.
Eligibility
The benefits outlined above are available for full-time employees on the first day of the month following the completion of 60 days of employment, unless otherwise stated. For example, an employee hired on April 4 would be eligible for benefits on July 1. When you first become eligible, or during the open enrollment period, you are able to select insurance for yourself and your dependents.
Employees who have a domestic partner shall be provided services and benefits on the same basis provided to legal spouses unless restricted by law. Subject to the eligibility provisions of the benefits plans, an employee has the opportunity to cover a same-sex or opposite-sex domestic partner under his or her benefit plan under the same terms and with the same privileges and restrictions that apply to other eligible dependents for these plans and to the extent permissible under federal and state law.
Click here to learn more about filing a claim for Accident, Critical Illness, and Hospital Indemnity Insurance.
Click here to learn more about filing a disability claim.
Click here for directions on Self-register as a New User with Paylocity.
Please take note of our company number with Paylocity: [139155]. You will need this to complete your registration.
Click here to download "Understanding your Paycheck" flyer.
Click here to learn how to set up your Certify Account.
Click here to learn how to create a new expense report.
Click here to learn more about submitting your expense report.
Click here to learn how to set up your email signature with our EOI-approved signatures.
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If you have any questions, please contact communications@eoiservice.com.
