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 |
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.
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.
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.
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.
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