Thor Motor Coach 2024 Benefits

Administered by Anthem 

Medical coverage is important for you and your family. You can choose between two (2) different Anthem medical plan options. Both Medical plans are considered Affordable and meet ACA standards for Essential Coverage. Below is a snapshot summary of your medical benefits and is not intended to replace your Summary of Benefits or Coverage.

Medical Plan Options:

• Plan 31
• Plan 49

Administered by Anthem

Flexible Spending Accounts (FSAs) have become a popular vehicle for reducing rising health care costs. By contributing pre-tax dollars into an FSA, you can save an average of 20% on eligible expenses every year.

You may participate in the following spending accounts:

Health Care Flexible Spending Account
Employees use pre-tax dollars to pay for insurance deductibles, copayments, glasses and contact lenses, orthodontia, over-the-counter medications, and hundreds of other health care-related expenses not covered by their insurance plans. To see a full list of current eligible and ineligible medical expenses, visit: irs.gov/pub/irs-pdf/p502.pdf.

The maximum contribution amount for period 01/01/2024 through 12/31/2024 is $2,850.

* This account is funded based on your pre-tax contributions. Only the amount currently in your account is eligible for reimbursement.
** For a complete list of Eligible FSA expenses and guidelines, visit the IRS website at www.irs.gov. Publication 502 includes eligible Medical FSA expenses.
*** Eligible dependents include children up to age 13 or disabled dependent adults.

Please Note: Under the CARES Act effective March 27, 2020, claims for most over-the-counter medicine, medical supplies and feminine hygiene products can be purchased through an FSA without a prescription. This reverses the prior rule from January 1, 2011 in which a prescription was required. The Act is effective retro back to January 1, 2020.

Why Participate?
Do you purchase glasses or contacts every year? Will you need to pay for dental expenses? Do you need extra money to pay for health expenses? You may be able to save on taxes by contributing to the Health Care FSA. You use your own money – but it’s before tax money so you could pay less in taxes. Estimate carefully. You forfeit funds set aside in the FSA if you do not use them.

Administered by Delta Dental

Your Dental plan is provided through Delta Dental of Indiana. Find a dentist at www.deltadentalin.com. Your Plan pays $1,500 per person total per Benefit Year on all services, except preventive and diagnostic services.

You are responsible for a $50 Deductible per person total per Benefit Year limited to a maximum Deductible of $150 per family per Benefit Year. The Deductible does not apply to oral exams, preventive services, X-rays, brush biopsy, sealants, and orthodontic services.

Supply your dental provider with your Social Security Number to verify benefits and coverage.

Administered by VSP 

The VSP Advantage Plan is a full service plan that offers choice, flexibility, and value through a VSP Advantage Network Provider. Find a in network provider at www.vsp.com/eye doctor. Supply your eye care provider with your Social Security Number to verify benefits and coverage.

Administered by Mutual of Omaha

Life and accident insurance gives you financial protection by paying a benefit if you die or are seriously injured in an accident.

Basic Life Insurance 
As an important part of your personal financial planning, TMC provides you with employee life and accidental death and dismemberment (AD&D) insurance coverage through Mutual of Omaha at no cost to you. You automatically receive life and AD&D coverage on the first of the month following 60 days of employment in the amount of $15,000. This benefit does not have cash value.

Voluntary Life Insurance 
You have the opportunity to purchase additional life insurance coverage for yourself and for your spouse. If you are a new hire you may enroll for coverage up to the Guarantee Issue Amount. If you enroll after your initial new hire period you may be required to complete Evidence of Insurability (EOI). If EOI is not completed or accepted by Mutual of Omaha you will not be covered.

Consider costs such as funeral expenses, legal expenses, and general living expenses for your surviving family members when determining an appropriate amount of additional coverage. You must elect coverage on yourself if you wish to cover your spouse.

If you are under age 65 on your effective date of insurance, the amounts of your Basic Life, Basic Accidental Death and Dismemberment and Supplemental Life Insurance on and after age 65 will be reduced by the appropriate percentage from the following table to the amount of Your insurance in effect on the day before Your 65th birthday:

• 65 but less than 70: 35%
• 70 but less than 75: 60%
• 75 or older: 75%

Administered by SunLife

While medical insurance may cover hospital bills, it may not cover all the costs associated with a hospital stay. That’s where hospital indemnity coverage can help. The Hospital Indemnity insurance plan pays benefits when you have a planned, or unplanned hospital stay for an illness, injury, surgery or having a baby. The plan pays a lump-sum benefit for admission and a daily benefit for a covered hospital stay. You can use the benefits to help pay out-of-pocket medical costs or personal expenses.

Medical plans help pay providers for services and treatment. But, they don’t cover unexpected costs that can come with a medical situation.

How can you use the cash benefits?

It’s completely up to you. You can use the money any way you want, like:

• Deductibles or copays
• Mortgage or rent
• Groceries or utility bills
• ...or for anything else you choose.

Administered by Mutual of Omaha

Short Term Disability

Short Term Disability (STD) insurance plan provides a stable income source to carry you and your family through a temporary disability. In the event of a non‐work related accident or any non‐work related debilitating event, a portion of your salary will be continued for a period of time.

Long Term Disability

Long Term Disability (LTD) pays a portion of your salary in the event you are permanently disabled and unable to work.

Administered by Fidelity Investments

Your Retirement Plan is a 401(k) plan that gives you a way to save for retirement through before or after tax contributions*.

When am I eligible for the Plan?

You are able to participate in the Plan if you complete 3 months of service, are at least 18 years old and you are not covered by a collective bargaining agreement (unless the agreement specifically provides for you to be covered by the plan) or are a HCE other than a TMC employee with the title of Group Leader. Once you satisfy these requirements you will become eligible to participate in the Plan on the first day of the following month.

Easy Enroll

Choose a savings approach that suits you today – and adjust it any time to fit your changing needs. Get started in 60 seconds with EasyEnroll at Netbenefits.com/easy

View Summary Annual Report

Administered by SunLife

Having an unexpected accident can cause more than physical injury, it can hurt your bank account, too. The Aetna Accident Plan pays benefits when you get treatment for an accidental injury. The insurance plan pays for a long list of covered minor and serious injuries. You can use the benefits to help pay out-of-pocket medical costs or personal expenses.

How can you use the cash benefits?

It’s completely up to you. You can use the money any way you want, like:

• Deductibles or copays
• Mortgage or rent
• Groceries or utility bills
• ...or for anything else you choose.

Administered by SunLife

No one saves to get sick, which is why being diagnosed with a condition can be especially draining, both emotionally and financially. The Aetna Critical Illness Plan pays benefits when a doctor diagnoses you with a covered serious illness or condition, like heart attack, stroke, cancer and more*. You can use the benefits to help pay out-of-pocket medical costs or towards personal expenses.

How can you use the cash benefits?

It’s completely up to you. You can use the money any way you want, like:

• Deductibles or copays
• Mortgage or rent
• Groceries or utility bills
• ...or for anything else you choose

Administered by Mutual of Omaha

Life isn’t always easy. Sometimes a personal or professional issue can affect your work, health and general well-being. During these tough times, it’s important to have someone to talk with to let you know you’re not alone.

With Mutual of Omaha’s Employee Assistance Program, you can get the help you need so you spend less time worrying about the challenges in your life and can get back to being the productive worker your employer counts on to get the job done.

Will Preparation

No one likes to think about what happens when they’re gone. But, it’s important for you to have a plan and one of the best ways to plan is to make a will. To create your will, visit www.willprepservices.com and use the code MUTUALWILLS to register. Once registered, you can get started drafting your will.

Travel Assistance

Take comfort in knowing that Travel Assistance* travels with you worldwide, offering access to a network of professionals who can help you with local medical referrals or provide other emergency assistance services in foreign locations.

Hearing Discount Program

Our goal is to help you restore the precious sounds of your life by providing personalized service, high-quality care and exceptional products. Get the care you need through our nationwide network of thousands of hearing health care providers that meet our NCQA-accredited credentialing requirements.

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