Benefits are more important than ever and we encourage you to spend extra time evaluating your benefit options. As such, we have partnered with EOI Service Company 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 Blue Cross Blue Shield
1-800-521-2227
The Company offers the following medical coverage options through Blue Cross Blue Shield of TX: the PPO Buy Up Plan, PPO Base Plan, and HSA Plan. The table below provides a general summary of your medical benefits; please refer to your Summary Plan Description (SPD) and Benefit Guide for additional details and out-of-network benefits.
All three plans use the Blue Choice PPO Network (BCA). To find an in-network provider, please visit www.bcbstx.com.
Administered by HealthEquity
1-866-346-5800
If you participate in the Blue Cross Blue Shield of Texas HSA Medical Plan, you are eligible to set aside pre-tax dollars into a Health Savings bank account to pay for eligible medical, dental, and vision expenses. Unused money in an HSA account is not forfeited at the end of the year and is carried forward. The HSA account is yours to keep which means that you can take it with you if you change jobs or retire.
Administered by Lincoln Financial Group
800-423-2765
The Company offers two dental plans through Lincoln Financial Group within the Lincoln Dental Connect network. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network dentist. To find an in-network provider, please visit www.lincolnfinancial.com.
Administered by Lincoln Financial Group
800-440-8453
The Company is proud to offer you vision insurance through Lincoln Financial Group within the Spectera network. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network provider. To find an in-network provider, please visit lvc.lfg.com
Administered by Lincoln Financial Group
800-423-2765
Short-Term Disability (STD)
Short Term Disability (STD) Insurance is available for purchase through Lincoln Financial Group. This policy provides Associates with a portion of your income for up to 12 weeks if you become disabled due to an injury or illness.
Long-Term Disability (LTD)
Long Term Disability (LTD) Insurance is available for purchase through Lincoln Financial Group. This policy can help you protect your income should you become disabled and are unable to work for more than 90 days.
Administered by Lincoln Financial Group
800-423-2765
Basic Life Insurance and Accidental Death & Dismemberment Insurance (AD&D) is available at no cost to you and is paid for by The Company. Eligible Associates are covered in the amount of $10,000.
Important Note: Please make sure to update your beneficiary information in ADP/ WFN.
Voluntary Life and AD&D Insurance is available for purchase in addition to your Company-provided basic life coverage. If you purchase coverage for yourself, you may also purchase coverage for your dependents
Guaranteed Life and AD&D Insurance Coverage Amount
During your initial eligibility period: You can elect coverage up to the Guaranteed Issue amount (up to $280,000) without providing Evidence of Insurability.
After initial enrollment: You may increase your coverage by $10,000 or$20,000 during annual enrollment without Evidence of Insurability.
When Evidence of Insurability is required:
For coverage amounts above the Guaranteed Issue
If you enroll late or previously declined coverage
If you were previously declined for medical reasons
If you waive coverage now: You may be required to provide Evidence of Insurability (at your own expense) if you enroll later.
Future increases: You may increase coverage by up to $20,000 in a future limited enrollment period enrollment period.
Note: You must be an active employee to select coverage.
The estimated monthly premium for life and AD&D insurance is determined by multiplying the desired amount of coverage (in increments of $10,000) by the employee age-range premium rate.
Administered by Trustmark
877-201-9373
Universal Life Insurance through Trustmark offers you financial protection, with a unique design to match your needs as they change throughout your lifetime. An important feature of Universal Life Insurance is that it builds cash value on a tax deferred basis (until withdrawn) which may allow your premiums to remain level throughout the life of the contract.
Key features of this coverage include:
Long Term Care Rider: Should you find yourself with a need for Long Term Care, this coverage is designed to accelerate the death benefit at 4% per month for up to 25 months to pay for care in an assisted living or long-term care facility, or home health care and/or adult day care.
Benefit Restoration: After you utilize your policy to cover Long Term Care expenses, the full amount of the death benefit will be restored, so that your beneficiaries still receive the full amount provided by your coverage.
Extension of Benefits: This coverage extends Long Term Care benefits for up to 25 months, allowing you to receive these benefits for a total of up to 50 months. Combining this feature with Benefit Restoration can triple the policy value.
Important Note: Speak to a Benefit Counselor to receive your custom quote for this coverage. Don’t miss out!
Employee Only: Waived participation with 50% seen
Dependent(s): GI: 20% EE Participation
Dependent Guarantee Issue Offer:
An employee must apply for coverage on themselves in order for a spouse or child(ren) to be eligible for GI coverage. If employee does not participate, the spouse and child(ren) are MGI (Modified Guaranteed Issue).
MGI questions are required for all dependents. – If the disabled/6 month question is answered yes, full underwriting is required.
Spouse & Child(ren) GI is contingent upon 20% employee participation. If 20% participation is not achieved, MGI (Modified Guaranteed Issue)/SI (Simplified Issue) underwriting will be used to underwrite all dependent applications.
Any coverage amount above the GI level will require the MGI and SI underwriting questions.
If 50% or more of the eligible employees are seen, but 20% employee participation is not achieved, the employee GI offer would revert to the requirements noted above for Universal Life.
Administered by Trustmark
800-918-8877
Major illnesses come with hidden costs
A critical illness, like cancer, heart attack or stroke, can be devastating. It can also be a huge and unexpected financial challenge. Medical insurance may not cover all costs, and you could face additional bills on top of those. Critical HealthEventsSM can help.
While medical insurance pays your doctor for treatment, Critical HealthEvents pays you cash directly to help with your other needs. It’s peace of mind having protection that helps with the high cost of severe illness.
Critical HealthEvents coverage helps take care of your budget in difficult times, so that you can fully focus on your health.
Triple protection for critical illness
Critical HealthEvents is uniquely designed to help you manage a critical illness:
It pays for earlier diagnosis – HealthEvents pays benefits not just for the most serious illnesses, but also for earlier stages and early identification of critical illnesses.1 You can use these benefits to help get treatment sooner and preserve your health.
Your benefit refreshes annually – Each calendar year, your full benefit amount is restored. There is no lifetime maximum. Even if you collect 100% of your benefit in one year, your full benefit will be available again on
September 1 of the next year for a new diagnosis.
It’s affordable, because it focuses on the most common conditions. Critical HealthEvents focuses on cancer, heart attack and stroke. These conditions are responsible for 90% of critical illness insurance claims.2
More flexible features
Healthy living rider – Provides $50 annually for one routine service for early detection and prevention. Benefits for additional tests may also be available.
Additional advantages
Access to medical experts. Critical HealthEvents includes access to Best Doctors®, the network of top doctors in the world, for free medical advice, second opinions, critical care support and more.
Keep your coverage at the same price and benefits if you change jobs or retire.
Apply for coverage for family members: spouse, children and dependent grandchildren.
Convenient payroll deduction: pay via direct bill, bank draft or credit card if you leave your employer.
1 Depending on diagnosis and stage, payments may be 100%, 50% or 10% of selected benefit amount. Policy/certificate will contain full list of covered conditions.
2 U.S. Critical Illness Insurance Market Survey, 2012/2013 Results, conducted by Gen Re, A Berkshire Hathaway Company
Administered by Norton LifeLock
800-543-3562
For a Complete List of Plan Offerings: CLICK HERE
Premium Plan Offerings:
The Premium Plan offers everything the Essentials Plan offers plus:
Home Title Monitoring
Monthly Credit Score Tracking
Court Records Scanning
