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What You Need to Know

Click on each of the topics below for details.

Online Enrollment via Prism ▼

This year, you’ll be enrolling in your employee benefits through Prism, your HR portal. 

Log in to Prism to get started and follow these steps to enroll in your benefits online:

  1. Select the Benefits icon on the left sidebar
  2. Choose Benefits Enrollment from the drop-down menu
  3. Begin your open enrollment elections
  4. On your next login, the Benefit Enrollment widget will now appear on your Home Dashboard.

Pro-tips:

✔ Click here to watch a quick video about online enrollment.

✔ Make sure you have your ProService Login ready to go!

New Voluntary Benefits from MetLife ▼

We’ve partnered with MetLife to bring 8 new voluntary benefit options to you, like accident insurance, legal plans, pet insurance, and more. Check out the Voluntary Benefits section for more info.
Not sure which benefits are right for you?
Talk to a Consultant for FREE!
Our Benefit Consultants can help you make confident, money-smart choices — at no cost to you.
Don’t miss out on this new service and make the most of your benefit package in 2026!

 

They can help you:

  • Understand what each plan covers

  • Choose the best fit for your family and budget

  • Find ways to save on healthcare and other costs

 Ask questions like:

  • “Which plan gives me the best value for my needs?”

  • “What do most people like me choose?”

  • “How can I lower my out-of-pocket costs?”

Bonus: Get a consultation this month and you’ll be entered to 
win a $25 Amazon Gift Card!

📅 Available Monday–Friday, 8am–5pm HST
📞 Call 808-515-5554 or click below to schedule online:

Schedule an Appointment
 

How to Enroll in Your Benefits

You have 2 convenient ways to enroll in your benefits.

Enroll with a Benefits Consultant ▼

This year you have the unique opportunity to enroll with the support of a professional benefit counselor. We highly recommend that you meet with a benefit counselor, so that you can learn more!

During your confidential appointment, the benefit counselor will:

✔ Answer your questions
✔ Provide detailed information
✔ Help you enroll in benefits

 

To schedule an appointment:

✔ Go online: proservice.com/benefit-consult
✔ Call: 808-515-5554

Consultation ID: You may be asked to provide this when scheduling your appointment. Your Consultation ID can be found on the Voluntary Benefit Options page of your mailed packet.

Schedule an Appointment

Enroll Online in Prism ▼

In addition to being able to enroll with the assistance of a benefits consultant, you can self-enroll online.

You’ll be notified via mail, email, and in Prism when your benefits enrollment period will start and end. Log in to Prism during that timeframe and you’ll be guided through the process.

💻 Learn About Online Enrollment

Follow these easy steps to get start the online enrollment process:

  1. Log in to Prism
  2. Select the Benefits icon on the left sidebar
  3. Choose Benefits Enrollment from the drop-down menu
  4. Begin your open enrollment elections
  5. On your next login, the Benefit Enrollment widget will now appear on your Home Dashboard.
Watch this short tutorial to learn, step-by-step.

Check Your ProService Login ▼

ProService Login is our new, secure authentication portal to access Prism. 

To avoid any access issues during your benefits enrollment, please take a moment to sign up (if you have not yet) or check your ProService Login access if needed.

✔ To learn more, go to proservice.com/loginhelp

✔ Or, Call for support: 808-394-4162

login proservice

 

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Voluntary Benefits

We are pleased to offer a wide range of voluntary benefit options that offer you choice and flexibility, so you can take charge of your physical, financial, and emotional well-being.

Why Get Voluntary Benefits

Voluntary Benefits help to:

✔ Provide financial protection for unexpected events such as accidents, hospitalizations, serious illnesses, disability, or loss of life.

✔ Fill coverage gaps left by medical insurance and extend protection to lifestyle needs like legal help, identity theft protection, and pet insurance.

 

Voluntary Benefit Options

To view the specific voluntary benefit options available to you:

✔ Read the Voluntary Benefit Options page in the packet you received via mail, or

✔ Log in to Prism during your benefits enrollment period to view the specific voluntary benefit options available to you.

✔ In Prism, you’ll be able to review benefit details and rates before completing your enrollment online.

 

Aflac and Transamerica Life and Accident Plans

As part of our transition to MetLife voluntary benefit offerings, ProService will no longer offer Aflac plans or Transamerica Life and Accident Insurance plans starting with the 2026 plan year.

If you are currently enrolled in an Aflac plan and/or Transamerica Life or Accident Insurance plan, ProService will be mailing information directly to you with clear instructions on how to continue your coverage directly with the carrier, or transition to a similar MetLife plan.

 

Get Assistance

Schedule time with a professional benefits consultant who will help you review your benefit options and assist you with enrollment. Go online proservice.com/benefit-consult or call 808-515-5554.

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Accident ▼

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 discretion to help cover out-of-pocket medical expenses, household bills, transportation costs, or any other financial needs while you recover.

Visit metlife.pathfactory.com/proservice-hawaii/accident-insurance to learn more.
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Critical Illness ▼

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. During this special enrollment, you can elect coverage without answering any medical questions!

Visit metlife.pathfactory.com/proservice-hawaii/critical-illness-insurance to learn more.
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Hospital Indemnity Insurance ▼

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. 

Visit metlife.pathfactory.com/proservice-hawaii/hospital-indemnity-insurance to learn more.
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Identity Theft Protection ▼

Administered by Aura through MetLife

We’re doing more online than ever before –making us more vulnerable to fraud and online threats. MetLife and Aura Identity & Fraud Protection helps safeguard the things that matter to you most: your identity, money and assets, family, reputation, and privacy.

Visit metlife.pathfactory.com/proservice-hawaii/identity-and-fraud-protection to learn more.


I authorize Aura Sub, LLC (“Aura”) to confirm my identity, obtain and monitor my

credit information from the credit bureaus on a recurring basis in order to
provide the Aura products and services I have ordered as long as I have an
account with Aura. I also authorize Aura depending on the Aura products and
services ordered, to retrieve and monitor my personal information, and motor
vehicle and other records. I acknowledge that I may be required to activate
certain services, including taking action to download, install, or provide
additional information before obtaining access to the Aura products and
services. By opting in, I confirm I have read, understood and agree to be bound
by Aura’s Terms of Service and acknowledge Aura’s Privacy policy.   

Terms of Service Link: https://www.aura.com/legal/service-terms

Privacy Policy Link: https://www.aura.com/legal/privacy-policy

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Legal Plans▼

Administered by MetLife Legal Plans

Your legal plan benefit is like having a trusted attorney in your pocket or on retainer. The attorney will advocate for your best interests and help you navigate legal issues. This may sound like a luxury, but it doesn’t have to be! Our coverage provides access to a network of qualified and experienced attorneys nationwide.

Plan benefits include:

✔ A cost-effective plan providing access to more than 18,000+ experienced network attorneys.

✔ Unlimited use of network attorneys for covered issues.

✔ Assistance for a wide range of legal needs, including money matters, home and real estate, family and personal matters, civil lawsuits, elder care issues, and vehicles and driving.

✔ Online digital estate planning tool—create wills and trusts, healthcare proxies, and power of attorney documents from the comfort of home.

Visit metlife.pathfactory.com/proservice-hawaii/legal-plans to learn more.

 
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Term Life ▼

Administered by MetLife

The death of a loved one is not only emotionally devastating, but affects every aspect of an individual’s life. Suddenly, everyday expenses are much harder to afford. Planning ahead by selecting the right life insurance option is the first step to protecting and preparing your family for whatever is ahead. Find a flexible, comprehensive coverage option that will secure your loved ones’ financial future. 

Term Life insurance coverage provides financial protection for your loved ones throughout your working years when your cost of insurance is typically less expensive. Its death benefit pays the money directly to your beneficiaries in order to help with funeral costs and ongoing financial obligations, such as daily living expenses, your children’s education, and future mortgage payments.

Visit metlife.pathfactory.com/proservice-hawaii/life-insurance to learn more.
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Long Term Disability ▼

Administered by MetLife

Keep getting a check when you’re hurt or sick. You always have bills to pay, even when you can’t get to work due to injury, illness, or surgery. Long term disability insurance helps you make ends meet during this difficult time.

During this special enrollment, you can elect coverage without answering any medical questions!

Visit metlife.pathfactory.com/proservice-hawaii/long-term-disability to learn more.
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Flexible Spending Account (FSA) ▼

Administered by National Benefit Services (NBS)

A Health Care Flexible Spending Account (FSA) is a voluntary benefit option that allows you to use tax-free dollars to pay for out-of-pocket health care expenses that you incur for yourself and your immediate family members. This benefit can be used to pay for expenses such as co-insurance, prescription medication co-pays, and other expenses that are not covered by your health, dental, vision, and drug insurance.

Depending on your tax bracket, you could realize a tax savings of 15-30% on health care expenses and lower your IRS reported income which saves you money. 
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Dependent Care Assistance (DCA) ▼

Administered by National Benefit Services (NBS)

A Dependent Care Account (DCA) allows you to use tax-free dollars to pay for child day care or elder care expenses that you incur because you and your spouse are both gainfully employed. Click here to learn more about DCAs, how they work, and what expenses are eligible.
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Parking & Transit Accounts ▼

Administered by National Benefit Services (NBS)

A Parking & Transit Account allows you to use tax-free dollars to pay for monthly parking lot fees and mass transit programs (i.e. Bus Pass).

Unlike the Flexible Spending Account (FSA) plans, this program does not include a “use it or lose it penalty.” Any unused funds will carry forward to the next plan year in which you are an active participant.

Depending on your tax bracket, you could realize a tax savings of 15-30% on health care expenses and lower your IRS reported income which saves you money.
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Pet Insurance ▼

Administered by MetLife

Help protect your pet from costly vet bills

Pet insurance works much like other types of insurance. For a monthly fee (also called a premium), you’ll have coverage that can help reduce the financial impact of expected and unexpected veterinary care.

Pets are family. Pet insurance helps ensure your pet gets the care they deserve by protecting their health and well-being while helping to protect your budget.

Visit metlife.pathfactory.com/proservice-hawaii/pet-insurance to get a quote and learn more.

 
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Student Loan Repayment Assistance (SLRA) ▼

Administered by Peanut Butter
 
Get help from your employer to pay down your student loans faster with Student Loan Repayment Assistance (SLRA).
 

ProService Hawaii partnered with Peanut Butter to administer this benefit. If you are eligible* to participate, you will receive an email from Peanut Butter with instructions on how to apply online.  Signing up is easy. Once your loan is validated, you’ll be all set to receive contributions from your employer each month.

*Note: You must meet your employer’s eligibility requirements for SLRA to receive this benefit.  Employees must be actively working at full-time status for 3 full months.

If you have not received an email from Peanut Butter, please call ProService at (808) 394-3118.

Health Care Benefits

Please refer to Prism for the specific health care plans available to you. Click on the topics below to learn more.

Health Care Plans▼

Please log in to Prism during your benefits enrollment period to view the specific health care plans available to you. 
 
In Prism, you’ll be able to compare plans side-by-side, review plan details, and view rates before making your selection.

Waiving Health Care Coverage▼

If you want to waive health care coverage, you must check the “I agree to waive Medical” box in your HR Portal, and complete an HC-5 Waiver Form.
 
The HC-5 Waiver Form* will be sent to you electronically after the enrollment period has closed. 
 
You must submit a new HC-5 Form every year to waive health care benefits and provide proof of valid coverage. (*applies to Hawaii employees only).

New Coverage Starts Jan. 1 ▼

The health care coverage you select during your enrollment period will be effective January 1, 2026.  If your healthcare provider issues new cards, you should receive them by January.

Is Enrollment Mandatory? ▼

If you’re happy with your current health care plan coverage and want to keep comparable health care plans for next year, no action is needed. 
 
If you don't complete online enrollment, you will continue to be enrolled in comparable health care plans.
 
We highly encourage you to log in to your HR Portal and/or speak to a benefits consultant to review all of your benefit options, plans, and rates and make sure you have the benefits that will best meet your needs for next year.
 
Important: Some voluntary benefits need active enrollment every year, so it’s always a good idea to review all of your options.

What if I don't want to make any changes? ▼

Even if you don’t plan on making changes, we recommend that you review any applicable
changes for the coming year and complete your online enrollment.

 

✔ If you do not complete online enrollment, you will continue to be enrolled in your comparable health care plan.

✔ If you want to waive health care coverage for the coming year, you must submit a new HC-5 Form (for Hawaii residents only), along with valid proof of coverage.