Administered by Cigna

You have three (3) medical plan options to choose from through Cigna Healthcare. Each plan covers the same type of services; however, they differ in premiums, deductibles, OOP max and copays. All plans use the Cigna OAP network. Medical ID cards are generated for new enrollees, name, or address changes, as well as plan changes and are also available through www.myCigna.com.

MDLive
Through medical benefits with Cigna, you also have access to MDLive. This allows you see and speak to a doctor from your mobile device or computer without an appointment. Most visits take about 10-15 minutes and doctors can write a prescription, if needed, that you can pick up at your local pharmacy. Call MDLive at (888)-726-3171 or schedule online at www.myCigna.com. You can also download the MDLive app for easy access to care.

Wellness PROGRAM 2024
You can SAVE UP TO 30% ON THE 2024 MONTHLY PREMIUMS.

STEP 1: PHYSICIAN RESULTS FORM

• Complete an annual physical exam with your physician.
• Take the packet with you to your appointment and have your doctor complete and sign the Physician Results Form.
• It is the employee’s responsibility to return the form as part of the completed packet.

Step 2: Submit Your Completed Packet via the following methods:

• Upload via the Wellworks for You Wellness Portal.
• Scan and email to forms@wellworksforyou.com.
• Mail to 70 East Lancaster Ave. Frazier, PA 19355
  Attention: Forms Department

Register on the Wellworks for You Wellness Portal:

• Go to www.wellworksforyou.com or Smartphone App
• Your account credentials are listed below

Administered by Cigna

Keep a smile on your face and more money in your pocket with our dental plan. Having a dental plan that covers exams, X-rays, fillings and more can help you save money and live healthier. Dental benefits are offered through Cigna Healthcare. To learn more, visit www.myCigna.com to find a provider and print ID cards.

Administered by Cigna through VSP

Even if you don’t wear glasses, regular visits to your eye doctor are important to your overall health. That’s because a routine eye exam can often detect early signs of serious health conditions like diabetes.  A group vision plan makes it easier to get the care you need and lower your costs. 

Vision benefits are provided through Cigna Healthcare using the EyeMed network. Vision ID cards are generated for new enrollees, name, or address changes, as well as plan changes the are also available through myCigna.com.

Please note Cigna is no longer using the VSP Network.

When you are enrolled in a Qualified High Deductible Health Plan (HDHP) and meet the eligibility requirements, the IRS allows you to open and contribute to an HSA Account. The HSA needs to be set up outside of KLB Sons Holdings, LLC. The institution that offers the HSA will provide you with information for HR. A minimum contribution of $25.00 monthly is required.

What is a Health Savings Account (HSA)?
An HSA is a tax-sheltered bank account that you own to pay for eligible healthcare expenses for you and/or your eligible dependents for current or future healthcare expenses. The Health Savings Account (HSA) is yours to keep, even if you change jobs or medical plans. There is no “use it or lose it” rule; your balance carries over from year to year.

HSA Contributions
You are able to contribute to your Health Savings Account on a pre-tax basis through payroll deductions up to the IRS statutory maximums. The IRS has established the following maximum HSA contributions:

• HSA Contribution Limits—CY 2024: Individual $4,150 / Family $8,300
• HSA Catch-up Contributions (age 55+): $1,000

Voluntary Short-Term Disability
Administered by Mutual of Omaha

KL Breeden & Sons offers a voluntary group Short-Term Disability Plan through Mutual of Omaha. This plan replaces the current Voluntary STD plan through Unum, and benefits now extend until LTD benefits begin.

• Benefits Begin 15th Day of Sickness / Injury
• Percentage of Income Replaced: 60%
• Maximum Weekly Benefit: $1,500
• Benefit Duration: 26 Weeks
• Pre-Existing Condition Exclusion: 3 / 12

Long-Term Disability
Administered by Mutual of Omaha

KL Breeden & Sons offers all eligible employees Long Term Disability coverage through Mutual of Omaha that provides 60% of your monthly income if you become disabled after the 180-day elimination period. You can learn more about your disability benefits by visiting www.MutualofOmaha.com.

Administered by Mutual of Omaha

Basic Life and AD&D Insurance
KL Breeden & Sons provides Basic Employee Life and AD&D Insurance of 2 times your annual salary at no cost to you. To learn more, visit www.MutualofOmaha.com.

Voluntary Life Insurance
In addition to your company-paid life and AD&D insurance, you have the option of purchasing additional coverage at a discounted group rate through Mutual of Omaha. If you purchase Voluntary Life and AD&D for yourself, you may also purchase it for your spouse and eligible dependents. You must purchase Voluntary Life In order to elect Voluntary AD&D . If you did not elect Voluntary Life when you were first eligible, you must complete an Evidence of Insurability (EOI) Form.

Administered by MetLife

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. 

Administered by MetLife

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 now, this benefit also covers a COVID-19 diagnosis! During your new hire enrollment period only, enroll without answering medical questions!

Administered by MetLife

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. During your new hire enrollment period only, enroll without answering medical questions!

Administered by MetLife Legal Plans

Legal coverage through MetLife Legal Plans means added peace of mind for employees and their dependents.

Having to hire an attorney can be very stressful if you don’t know where to go or how much it will cost. MetLife Legal Plans makes it very simple to get the legal advice and representation you need without draining your finances. This group benefit features:

• Assistance for a wide range of legal needs, including wills and other estate planning documents, real estate matters, traffic offenses, adoptions, debt collection defense and much more
• Reasonable monthly cost for unlimited use and no copays when using a Network Attorney for a covered matter
• Easy access to more than 18,000 experienced Network Attorneys

Mutual of Omaha Travel Assistance Program
24/7 services for you, your spouse, and your dependent children on any single trip, up to 120 days in length, when you are more than 100 miles from home.

Mutual of Omaha Employee Assistance Program
Mutual of Omaha’s EAP assists employees and their eligible dependents with personal or job-related concerns, including Emotional Well-Being, Family and Relationships, Legal and Financial, Healthy Life Styles, Work and Life Transitions.

Mutual of Omaha Will Preparation Services
Mutual of Omaha works with Epoq, Inc. (Epoq) to provide affordable will preparation services. It’s a benefit that helps employees protect what’s important to them. Epoq uses bank-level security to keep information safe and secure. A personalized will can be created in minutes.

Mutual of Omaha Hearing Program
Mutual of Omaha partners with Amplifon Hearing Health Care to provide hearing aid benefits and discounted hearing screening services for employees. The national network of hearing care professionals and clinics is dedicated to helping employees hear better with custom hearing solutions from leading manufacturers and negotiated low prices.