Administered by Independence Blue Cross

Our company offers three options for medical: 

• PPO $0 Deductible
• PPO $750 Deductible
• High Deductible Health Plan (HDHP) with HSA

To find an in-network provider, visit ibx.com.

• Click “Get Care” on Menu Bar at the top of the web page
• Click “Find doctors and hospitals”, then click “Find doctors and hospitals” link on the pop up menu
• Click “Learn more” under “Doctors, hospitals, medical equipment, and specialty services” (you can also search for pharmacies from this web page)
• Click “Choose a location” on the pop up menu and enter your home address, city or ZIP code
• In the top right of the web page, click on the “All Plans” button, choose “Find a different plan”, then type National BlueCard PPO in the search bar. Select the plan and click the green “Confirm selection” button

Administered by Employee Benefits Corporation (EBC)

You have the option to open a Health Savings Account (HSA) if you enroll in the HDHP with HSA plan. HSA funds can be used to pay for eligible medical, dental and vision expenses for you and your eligible dependents, including deductibles, coinsurance, prescriptions, acupuncture and more, tax-free, now and in the future. Family members do not need to be covered under your plan in order to use the HSA funds.

With the HSA, you are in charge. You decide:

• How much you’ll contribute;
• When to pay for eligible expenses with HSA funds directly (you can also reimburse yourself from the account);
• Whether to save HSA funds for future expenses or retirement.

2023 Annual Quotient Sciences HSA contributions, distributed per pay period:

• Single: 500
• Family: $1,000

2023 IRS Annual HSA Contribution Limits:

• Single: $3,850
• Single+1/Family: $7,750
• Add an extra $1,000 if you are age 55 or older

Administered by Employee Benefits Corporation (EBC)

FSAs allow you to save money on a pre-tax basis to pay for qualified medical, dental and/or vision expenses you may incur throughout the year. The money you put into your FSA is done so on a pre-tax basis. This means you are lowering your taxable income and also not paying taxes when the money is used for qualified expenses. Health Care FSA is applicable to the two medical PPO plans. 

Health Care FSA - You may contribute up to $3,050* per plan year to pay for qualified medical, dental and vision expenses for
yourself and eligible family members. Funds in this account can be used to cover all eligible expenses on your tax dependents even if they are not enrolled under your health care plan. Eligible reimbursable expenses include medical and dental plan deductibles and copays (if applicable), orthodontia expenses not covered by your dental plan, prescription drugs, prescription eyeglasses, and contact lenses, Lasik eye surgery, and much more. A Healthcare FSA is available to anyone enrolled in one of the PPO medical plans. 

Limited Purpose FSA - If you are enrolled in the HDHP/HSA plan and open a health savings account, you are eligible to enroll in the Limited Purpose FSA, which allows you to pay for eligible out-of-pocket dental and vision expenses. You are able to put up to $3,050* into your Limited Purpose FSA on a pre-tax basis for 2023.

FSAs do have a use-it-or-lose-it provision, so be conservative when electing how much to contribute. You are eligible to rollover up to $610 to the next year - rollover applies to Health Care FSA and Limited Purpose FSA only.

Dependent Care FSA - You may contribute up to $5,000* per plan year to pay for qualified eligible dependent care expenses. Qualifying dependents must be under the age of 13, share the same residence with you, or be a spouse, qualifying child or relative who is physically or mentally unable to care for him/herself and has income less than the Federal exemption amount. Eligible expenses include: Before/after school care, custodial care for dependent adults, licensed day care centers, nursery schools or pre-schools, and much more. Funds in this account are saved on a tax-free basis.

*These annual limits are set by the IRS.

Administered by United Concordia

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.

You are free to choose an out of-network provider, but your out-of-pocket costs will be higher.

To find an in-network provider, visit unitedconcordia.com/find-a-dentist. Enter in your home address, city, state or ZIP code to begin your search. You can filter your search to choose a specific dentist type and distance from your home address.

Administered by Guardian

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. 

You are free to choose an out of-network provider, but your out-of-pocket costs will be higher.

To find an in-network provider, visit guardianlife.com.

• Click “Find a Provider” on top menu, then “Find a vision provider” on the next screen
• Select the VSP or Davis Vision button based on the plan you enrolled in
• Follow the steps to search for an In-Network provider

Administered by Guardian

Basic Life and AD&D Insurance

Basic Life Insurance helps ease your loved ones’ financial burden. Your designated beneficiary will receive a benefit if you pass away from a covered accident or illness. In addition, Accidental Death and Dismemberment (AD&D) provides a benefit to your beneficiary if you pass on or become dismembered due to a specifically covered accident. Always make sure your beneficiaries are updated.

Quotient Sciences provides coverage at two times your annual base salary, up to $500,000. The cost of the benefit is 100% paid for by the company.

Voluntary Life and AD&D Insurance

You may also choose to purchase Supplemental Life Insurance coverage in addition to the company-paid benefit. You pay the total cost of this benefit through convenient payroll deduction.

You must choose Employee Supplemental Life Insurance in order to purchase spouse and child life. Your age and the amount of insurance you elect determines the premium you’ll pay. Costs will go up as you age. Spouse/Domestic Partner benefit terminates when they reach age 70.

During this enrollment period only, you can elect coverage without answering medical questions:

• Yourself up to $200,000
• Your spouse up to $50,000
• Your child(ren) in the amount of $10,000

Both Basic and Voluntary Life and AD&D Insurance Benefit reduces:

• 65% at age 65
• 40% at age 70
• 25% at age 75
• 15% at age 80

Administered by Guardian

Short-Term Disability (STD)

STD covers employees who become disabled as a result of an injury or sickness that is not work related. It replaces a part of the income the employee would have earned had they been able to continue working.

With the STD plan, you are eligible for a weekly payment up to 60 percent of your base earnings, not to exceed $1,000 per week, for up to 26 weeks. Coverage begins on the 1st day of continuous injury or the 8th day of continuous illness. The cost of the benefit is 100% paid for by the company.

Long-Term Disability (LTD)

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.

If you become totally disabled, the LTD plan will pay 50% of your base monthly earnings up to a maximum benefit of $2,000 per month. Coverage begins on the 181st day or continuous injury or illness. The cost of the benefit is 100% paid for by the company.

Administered by Guardian

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 Guardian

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 every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. 

Child coverage is included with employee election!

During this open enrollment period you have a special opportunity to enroll up to $30,000 in coverage for yourself, without answering medical questions!

Administered by Guardian

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. And every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. 

Administered by LegalShield

LegalShield provides you and your family direct access to a dedicated provider law firm who can review legal documents, prepare Wills and assist with other personal legal matters such as speeding tickets, neighbor disputes and family related matters such as adoption.

LegalShield Plan Benefits Include:

• Adoption

• Domestic violence protection

• Bankruptcy

• Personal property disputes

• Traffic violations

• Real estate contracts

• And more!

Administered by LegalShield

Identity Theft Protection through LegalShield offers you peace of mind that your personal information is secure from all forms of identity theft. This coverage includes:

• Credit monitoring with alerts
• username/password monitoring
• Mother's maiden name monitoring
• Credit score tracker
• Identity theft alerts
• Lost wallet consultation
• And more!

Administered by Fidelity

The 401(k) Plan is an employer sponsored retirement plan that allows employees to save an invest for the purpose of building savings for retirement. Saving through a 401(k) Plan is an easy way to set aside money for your future.

If you have not enrolled in the plan within 30 days of eligibility, you will be automatically enrolled at a contribution rate of 3%. For questions regarding your 401(k) account, contact Brett Jacobs, our retirement plan advisor, at brett@cormacinc.com or call 312-307-9064.

Administered by LifeWorks

EAP service offers caring and professional assistance for a broad range of concerns including stress management, depression and anxiety, relationship or family conflicts, workplace conflicts, legal or financial difficulties, and drug or alcohol abuse. Services are confidential - neither your employer nor co-workers have knowledge of your request for help. EAP services are available 24 hours a day, seven days a week for you and your eligible dependents. There is no cost, it’s just there for you when you need it. Possible reasons to call can include:

• Stress and depression
• Life transitions
• Grief and loss
• Parenting and child care
• Elder care referrals
• Domestic violence
• Workplace conflict
• Work/life balance
• Addiction and recovery
• Financial issues
• Legal assistance
• And more!

The EAP is there for when you need it. Employees get up to 12 counseling sessions per issue that can be delivered face-to-face, by video or telephone.

The cost of the benefit is 100% paid for by the company.