Benefits are more important than ever and we encourage you to spend extra time evaluating your benefit options. As such, we have partnered with One Digital so you can enroll with the guidance of a professional benefit counselor.
It is essential you speak with a benefit counselor to learn more about your benefit options. During your confidential appointment, the benefit counselor will:
Administered by BlueCross BlueShield
The medical plans offered by Massey Services are designed to promote wellness and protect your family from major financial hardship in the event of an illness or injury.
All plans cover in-network preventive care at 100%, prescription drugs, and include an annual limit on your expenses.
You have your choice of the following plans:
Key Features
*An additional $15 surcharge per paycheck will be applied for those who do not complete their preventive/annual visit during the plan year.
Administered through SafeGuard by MetLife
You have several dental plan options to choose from:
DHMO
Core PPO
DHMO Plan
The DHMO dental plan allows you to use in-network benefits only, and all services are subject to a fee schedule. Once enrolled, you must choose a dentist under the DHMO to obtain services. Assign or change a dentist by the 14th of the month, and the designation will be effective the 1st of the following month.
This DHMO Dental plan is only available for team members residing in Florida and Texas.
PPO Plans
The Core PPO plan has a low annual deductible and lower annual maximum benefit.
The Buy-Up PPO plan has a low annual deductible and higher annual maximum benefit.
For those already registered for mybenefits: mybenefits.online.metlife.com
For those not register for mybenefits: metlife.com/insurance/dental
Call Safeguard at 800-880-1800 | Policy #147210
Administered by VSP
Massey Services offers vision coverage through VSP on the VSP network. The vision plan allows you to use in-network or out-of-network providers. However, when using out-of-network providers, you will pay expenses at the time of service and file a claim for reimbursement.
To find in-network providers, visit vsp.com and enter your search criteria or call 800-877-7195. ID Cards are not issued, so you will need to register at vsp.com to review the available benefits.
| Your Cost for Coverage |
Core Plan (per paycheck) |
Buy-Up Plan (per paycheck) |
| Employee only | $2.68 | $4.96 |
| Employee + Spouse | $5.34 | $9.91 |
| Employee + Child(ren) | $5.72 | $10.60 |
| Employee + Family | $9.14 | $16.95 |
Administered by WEX
Pay for qualifying expenses with tax-free money using a Flexible Spending Account.
You must re-enroll each year to continue funding the account(s), and you can incur expenses only during the plan year you are enrolled. All unused Health Care and Dependent Care funds will be forfeited, so estimate wisely.
Enrolled in an HDHP plan and eligible for HSA contributions? You’re not eligible for a health care FSA.
Healthcare FSA
Pay for eligible medical, prescription, dental, and vision expenses.
Limited Purpose FSA
Pay for eligible dental and vision expenses.
Dependent Care FSA
Pay for eligible child or disabled adult care while you work or attend school.
Administered by Symetra
Disability coverage insures your paycheck, replacing a portion of your income if you’re unable to work due to a covered illness or injury.
Short-Term Disability
Short-term disability coverage can replace part of your paycheck if you’re unable to work for a shorter period of time. This coverage is available for purchase. Your cost for coverage can be calculated on Workday when you make your benefit elections.
Voluntary Long-Term Disability
Long-term disability coverage can provide lasting income protection if you remain unable to work. This coverage is available for purchase. Your cost for coverage can be calculated on Workday when you make your benefit elections.
Administered by Symetra
Life insurance pays a benefit if you pass away while you're covered.
Accidental Death and Dismemberment (AD&D) insurance offers additional support if you pass away or are seriously injured due to an accident.
Basic Life and AD&D Insurance
Massey Services provides life and AD&D insurance at no cost to you.
| Basic Life | Basic AD&D | |
| Massey Services provides | 2x base salary up to a max of $200,000 | 2x base salary up to a max of $200,000 |
Voluntary Life and AD&D Insurance
You may also purchase additional coverage for you, your spouse, and your eligible child(ren). You must elect for yourself before you can elect for your dependents. See plan details for rates information.
| For you | For your spouse | For your child(ren) | |
| Coverage increments | $10,000 | $10,000 | From $10,000 to $25,000 in $5,000 increments |
| Coverage maximum | Lesser of $500,000 | $250,000. Not to exceed 100% of team member amount |
$25,000 |
| Guarantee Issue | $200,000 | $50,000 | $25,000 |
Administered by WEX
Save pre-tax money for health care expenses – or retirement!
Massey Services contributes to your Health Savings Account (HSA) when you elect the HDHP medical plan and meet IRS eligibility requirements.
In order to make – or receive –contributions to an HSA, you must:
2026 IRS Maximum Contribution:
Administered by Symetra
Accident coverage through Symetra pays you a cash benefit to help with your expenses –your deductible or copays, transportation, groceries and more – if you or a covered family member is injured due to an accident. The money is yours to use as you choose.
Administered by Symetra
Critical illness coverage through Symetra pays you a cash benefit to help with your expenses – your deductible or copays, transportation, groceries and more – if you or a covered family member is diagnosed with a covered critical illness. The money is yours to use as you choose.
Administered by Symetra
Hospital Indemnity coverage through Symetra pays you a cash benefit to help with your expenses – your deductible or copays, transportation, groceries and more – if you or a covered family member is admitted to the hospital. The money is yours to use as you choose.
Administered through J.P. Morgan
Saving for retirement is an essential piece of your overall financial wellness. Because of this, Massey Services offers a robust 401(k) retirement plan through J.P. Morgan, where you can contribute pre-tax or Roth (after-tax)
dollars and save for your future.
2026 contribution maximum: $24,500
Catch-up: age 50+ in 2026: Additional $8,000 ($32,500 maximum)
Catch-up: ages 60-63 in 2026: Additional $11,500 ($35,750 maximum)
Not sure whether to select pre-tax (traditional) or after-tax (Roth)? Check with your financial advisor to determine the best choice for you. The basic differences:
Pre-tax: your contributions come out of your paycheck before Federal and state taxes but after FICA (Medicare and Social Security) taxes. You’ll pay regular income tax when you withdraw your money at retirement.
Roth (after-tax): your contributions come out of your paycheck after taxes. When you withdraw your funds at retirement, they’re tax-free.
Eligibility & Enrollment
Full-time team members aged 19 and older are eligible to participate beginning the first day of the month after completing 60 days of employment.
Once eligible, team members are automatically enrolled to contribute 4% of their compensation on a pre-tax basis.
The automatic 4% payroll deduction will increase by 1% each year until you reach a 7% contribution rate or you elect another contribution percentage.
The plan allows rollovers from other tax-qualified retirement plans
Contributions & Vesting
Massey Services may provide annual matching contributions at its discretion. To receive a match, you must contribute to your 401(k).
You are immediately 100% vested in your own contributions as soon as you enroll.
After three years of employment, you become fully vested in Massey Services’ matching contributions.
Access Your Retirement Plan
Enroll or increase contributions, make investment changes, and designate your beneficiaries online at www.massey401k.com.
Administered by One Digital
OneDigital can help guide you towards reaching financial goals like:
Buying a house
Balancing your finances
Combining retirement accounts
Retirement readiness
Choosing the best fit for a retirement account
Navigating market volatility
...and more
Schedule a no-cost, one-on-one meeting:
Phone - 877.742.2022
Email - financialguidance@onedigital.com
