You are encouraged to complete an enrollment appointment with a professional benefit counselor to elect benefits for 2025. During your individual appointment, you will have the opportunity to ask questions, get more information, and enroll yourself and your dependent(s) in coverage.
There are two ways to change or elect benefits for 2025:
Please be prepared to confirm your Ultipro password, beneficiary(s), and dependent information.
The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave. Eligible employees are entitled to:
Administration: Fisher-Titus has partnered with a third-party vendor, BASIC, to administer employee FMLA leaves. Please reach out to Tatum Grace (ext. 6121 or tgrace@ftmc.com ) or Nichole Hanuscin (ext. 6141 or nhanuscin@ftmc.com ) should you have any questions regarding Family Medical Leave.
Purpose: Fisher-Titus recognizes there are times when an employee may need time off in addition to CTO to address personal matters. For that reason, Fisher-Titus may consider a personal leave of absence without pay as outlined within this policy. If appropriate and approved, this leave also may be available for employees who are ineligible for Family Medical Leave (FML) or who need time off in addition and/or following exhaustion of an FML leave of absence. The approved leave cannot exceed company length of service.
Please review the HR Personal Leave of Absence Policy # 02 872001 0047 for additional details regarding eligibility and administration.
Administered by Medical Mutual
Choose from two medical plans: the High Deductible Health Plan or the Traditional PPO Plan. Both plans are administered by Medical Mutual of Ohio (MMO). Be sure to use Fisher-Titus ( Tier 1), North Coast Healthcare Collaborative (NCHC) (Tier 2), or other in-network providers to receive the highest level of benefits and save money.
Great news! Fisher-Titus will now pay 90% for Tier 1 coinsurance coverage for both the HDHP and Traditional PPO Plans. You only pay 10%! There are updates to prescription drug coverage copays.
The High Deductible Health Plan (HDHP) option will have a higher deductible than the Traditional PPO plan, but the lowest per pay contributions. The HDHP plan also allows for employees to set aside pre-tax savings for health care related expenses into a Health Savings Account.
The Traditional PPO Plan offers our employees lower deductibles and provides copays for many office-related services compared to the High Deductible Health Plan (HDHP). Contributions for this plan will be higher than those of the HDHP.
Click the image below to view the Medical Mutual Open Enrollment presentation!
Where to Find Care
Medical situations can be overwhelming and may require a quick decision on where to go for care. The ER isn’t always the best option. What actions you take and where you should go can depend on the symptoms you are experiencing. Reduce your stress by learning about your options before you go. It could save you time and money.
Prescription Coverage
Administered by Express Scripts
When you enroll in a Medical Plan, you automatically have coverage for the prescription drug coverage plan. This coverage allows you to fill your prescriptions at the Fisher-Titus pharmacy, Walgreens’ Advantage Network or by Express Scripts mail order. CVS is an excluded pharmacy. For a complete listing of participating pharmacies; please visit My Health Plan. Coverage for Compound and “Discretionary” drugs are excluded from the Prescription Plan.
Under the HDHP, prescription drugs are paid just like other medical services. When you have a prescription filled, you pay the full negotiated cost of the medication until you meet your HDHP deductible (which includes both medical and prescription). Once you meet your HDHP deductible, you pay for prescriptions under the same schedule as the Traditional PPO Plan.
Your cost is determined by where you purchase your prescription and the category of drug. As in the past, in most cases, you will pay the lowest cost-share for prescriptions filled at the Fisher-Titus pharmacy. There is a separate deductible for the Traditional PPO Plan - $200 Single, $400 Family.
Summary of Benefits and Coverage (SBC) Documents
Administered by Delta Dental
A healthy smile can make all the difference. That's why keeping smiles healthy is what we do. Whether enabling you to take care of small dental concerns before they become big problems or making complex dental treatments more affordable, a dental plan from Delta Dental can help you and your family achieve better overall health.
There are new enhanced dental provisions for special healthcare needs and esthetic restoration coverage.
When you enroll, you will be able to choose from either the Preventive Plan or the Premium Plan options. You also have the option to waive coverage.
Administered by Delta Vision with VSP
We have partnered with Delta Dental to provide a Voluntary Vision plan with VSP. Dentists and eye doctors are both trained to detect early signs of many conditions, which can lead to earlier intervention and better overall health. In fact, eye doctors are first to report diabetes 34 percent of the time, high cholesterol 62 percent of the time and hypertension 39 percent of the time.
Administered by Medical Mutual
Health Care Flexible Spending Account (HCFSA)
This program, available to employees who elect a Traditional PPO Health Plan, allows employees to pay for certain IRS-approved medical care expenses not covered by their insurance plans with pre-tax dollars. Any unused funds in 2024, up to a maximum of $660, may be rolled over to the following year. You have until March 31, 2025 to submit paper reimbursement claims for expenses incurred through December 31, 2024. Substantiation of purchases will be required in most cases in accordance with IRS guidelines. Unused funds in 2025 up to $660, may be rolled over to the following year. Maximum contributions for 2025 is $3,300.
Limited Purpose Flexible Spending Account (LPFSA)
If you choose to elect the HDHP with an HSA, you’re eligible to enroll in a LPFSA. While similar to an HCFSA, money may be set aside in a LPFSA for eligible dental and vision expenses only. Any unused funds in 2024, up to a maximum of $660, may be rolled over to the following year. You have until March 31, 2024 to submit paper reimbursement claims for expenses incurred through December 31, 2024. Unused funds in 2025 up to $660, may be rolled over to the following year. Maximum contributions for 2025 is $3,300.
Administered by Spot Pet Insurance
If you are a pet parent, your pets are important to you and you want to do the best you can to take care of them.
Attached is the flyer for Spot Pet Insurance in case it is helpful in this situation. But vet visits can be very expensive. That is why we are offering pet insurance administered by Spot Pet Insurance. Pet Insurance is a financial safety net in case of accidents, injuries and illnesses that your pet may experience.
Spot pet insurance plans reimburse up to 90% of eligible vet bills. As a Fisher-Titus employee you are eligible to get up to a 20% discount off of your policies.
Spot Pet Insurance offers customizable plans to find the benefits that are best for your plan and fits your budget. You will also have access to a 24/7 Pet Tele-health Helpline to ask vets questions about pet health, behavior and wellness.
How it works:
You can obtain a quote by visiting https://spotpet.link/fishertitus. You can also call 1-800-905-1595 and mentioning priority code “EB_FTH.”
Work toward preserving your future
Fisher-Titus offers the 401(k) Salary Savings Plan to help employees save for their retirement. This generous retirement savings plan may offer special tax advantages and the opportunity to receive matching contributions from Fisher-Titus to make saving even easier. You have the option to defer pre-tax (Traditional) and after-tax (Roth) or a combination of both.
Take Advantage of the Company Match
100% on the first 2% of pay you defer and 50% on the next 4% of pay you defer. In other words, when you defer 6% of your pay, Fisher-Titus will contribute 4% of your pay. This equates to a total contribution of 10% of pay!
Administered by Lincoln Financial Group
Having an unexpected accident can cause more than physical injury, it can hurt your bank account, too. Accident Insurance can help cover the out-of-pocket costs associated with off-the-job accidents by paying you a benefit depending on the injuries you suffer and the treatment you receive. Coverage applies towards events such as concussions, dislocations, fractures, physical therapy, and x-rays.
Administered by Lincoln Financial Group
No one saves to get sick, which is why being diagnosed with a condition can be especially draining, both emotionally and financially. This policy provides you with a lump sum cash benefit in the event you or a covered dependent is diagnosed with a covered condition such as cancer, heart attack, or stroke. It can help provide financial protection so you can focus on what’s really important—getting better. You also have the option to select your level of coverage so you can make sure you have the right protection for your family. Your covered spouse and dependent(s) (if applicable) are also eligible to receive the benefit.
Administered by Lincoln Financial Group
Even with health insurance, a stay in the hospital can quickly become costly as out-of-pocket expenses 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 deductibles, coinsurance or even child care expenses.
Core Short-Term Disability Insurance
Administered by Lincoln Financial Group
Core Short-Term Disability Insurance is provided by Fisher-Titus to eligible employees to provide income in the event they should become temporarily unable to work due to injury or illness. This plan may provide up to 60% of an employee’s base salary after they have completed an elimination period of 30 days. Under the Core Short-Term Disability Plan, Short-Term benefits are available up for up to 22 weeks. There are no preexisting conditions under the Core Short-Term Disability Plan.
Buy-Up Short-Term Disability Insurance
Administered by Lincoln Financial Group
A voluntary Buy-Up Short-Term Disability Plan is available to eligible employees. The eligible employee receives the benefit on the 8th day of their disabling injury or illness. If an employee enrolls for the Buy-Up Plan, Short-Term Disability benefits are available for up to 26 weeks. Pre-existing conditions will apply.
Long-Term Disability
Administered by Lincoln Financial Group
LTD coverage is intended to replace a portion of your monthly earnings if you are totally disabled for an extended period of time and are unable to work. Eligible employees will receive 60% of monthly predisability earnings up to a maximum of $10,000 per month after you have been disabled for 180 days (accumulated within a 360 calendar day period). Benefits will continue as outlined in the Maximum Benefits Period in the Summary Plan Description (SPD). Applications for LTD benefits must be approved by the insurance carrier prior to any benefits payments. Your LTD benefit payment will be offset by any money received from Social Security, Worker’s Compensation, or other statutory benefits. The definition of disability for your LTD benefits will be your own occupation for the first two (2) years and benefits for self-reported disabilities will be limited to 24 months. Fisher-Titus pays the cost of this insurance for you.
Tax Consequences of LTD Benefit:
Every year, covered employees have the option of having the appropriate taxes applied to the employer-paid premium, as taxable income. If this option is selected; any LTD benefits payable will not be taxable income. If the employee chooses not to have the appropriate taxes applied to the employer paid premium; taxes will be applied at the time of any LTD benefit paid to the employee. If you wish to change your tax choice election, open enrollment is the one-time-a-year opportunity to do so. Employees must go through the open enrollment election process to make this change. The change would be effective January 1, 2024.
Administered by Lincoln Financial Group
Basic Life and Accidental Death & Dismemberment (AD&D) Insurance
Fisher-Titus provides you with term life insurance equal to 1.5 times your base annual compensation — rounded up to the next $1,000, up to the maximum amount shown below for both Basic Life and AD&D insurance.
Supplemental Life Insurance
Fisher-Titus offers you the opportunity to supplement the Basic Life Insurance benefits provided by FisherTitus by purchasing additional term life insurance. When you enroll yourself and your dependents in this benefit, you pay the full cost of the premiums through after-tax bi-weekly payroll deductions. *You must be actively at work to sign up for Supplemental Life Insurance. You, your spouse and covered dependents must be in generally good health and not under the care of a physician.
Administered by Fidelity
Fisher-Titus, together with Fidelity, wants you to feel confident and in control of your financial situation.
Whether you’re taking care of a loved one or thinking about buying or selling your home, check out these new
resources, accessible through NetBenefits®, that can help you better manage your financial wellness:
Please Visit the Central Marketplace Hub Page for more information about the different ways we can financially assist you.
The EAP is for anyone with questions or concerns – no matter how big or small they might be.
The Employee Assistance Program is useful for employees dealing with the following issues:
Call directly to any of our EAP Counseling Resources:
Please identify yourself as a Fisher-Titus Employee when scheduling. Appointments are available during the day and evening hours.
Did you know we have an employee-donated fund that helps assist other employees who have suffered financial hardship due to a medical or catastrophic event? It is called the Employee Assistance Fund (EAF). Employees can automatically donate to this fund through payroll deduction. If interested in receiving assistance, you can find the form here.
Your valuable Total Rewards Package also includes the following in addition to your benefits and competitive compensation.
Benefits Include:
Ever wonder how we recognize others for the great work they are doing? We are excited to share that there are MANY ways employees are recognized, so many that we have created an Employee Recognition Handbook. The Employee Recognition Handbook serves as a guide of the various recognitions, what they are, how to recognize someone, and what value is associated with them – a full range from a shout out to cash prizes! Check it out on the intranet or by clicking here.