2026 Benefits Annual Enrollment

Administered by UnitedHealthcare

There’s nothing more important than your health. And, because each person’s health care needs are different, the company offers four medical plan options through United Health Care: HD1, HD2, EPO1, and EPO2. Employees enrolled in the HD1 or HD2 Medical Plan will be automatically enrolled in a Health Savings Account and will receive a $100 per month employer contribution. Click the button below to review the table for each plan’s coverage details.

Pharmacy

The RX 90-Day Program is designed to provide our employees with greater convenience and flexibility when managing their maintenance medications. Through this program, employees can now fill 90-day Retail prescriptions directly at their local pharmacy, eliminating the need for mail-order services.

For more information regarding Medical Plans, Pharmacy, Virtual Visits and where to find care :

Administered by Optum Bank

A Health Savings Account (HSA) is a bank account through Optum Bank that allows you to contribute funds for your medical expenses on a pre-tax basis. Your HSA can be used to offset high deductibles and other out-of-pocket medical expenses in the current year or in the future. You own the money in your HSA account and it is yours to keep, even when you change plans or retire. The funds can roll over from year to year and you do not pay tax on withdrawals used for qualified medical expenses. All participants must update their contributions for 2026 with a benefit counselor or through the Workday Open Enrollment Event.

• Employees enrolled in the HD1 or HD2 Medical will be automatically enrolled in a Health Savings Account and will receive a $100 per month employer contribution.
• You can use the money in your account to pay for qualified medical expenses such as copays, deductibles, coinsurance, prescriptions, dental, and vision expenses. You can find a complete list of eligible expenses on IRS Publication 502 at www.irs.gov. The websites below will provide additional information as well.
• Any unused funds remain in the account and roll over from year to year. You can contribute money and allow it to grow in the account without worrying about losing it!
• Funds can be used for any immediate family member, regardless of whether or not they are covered on your medical plan.
• The account is yours to keep even if you leave the Company or retire. If you choose a medical plan other than the HSA plan next year, you will be able to use the account for qualified expenses. You will not be able to contribute unless you are enrolled in a high deductible health plan that meets IRS requirements. If you have money in the account after retirement, you can withdraw the funds as cash without penalty (after age 65).
• Due to IRS regulations, you are not able to contribute to an HSA if you are enrolled in a Flexible Spending Account (FSA), even if through your spouse’s plan, or if you are enrolled in, or are eligible for Medicare.

2026 HSA Maximum Contribution Amounts*

• Individual: $4,400
• Family:  $8,750
• Catch-Up Contributions: $1,000

Note: The company funds a portion of your HSA. You have the option to contribute additional funds, which are your responsibility.

Administered by Optum Bank

Healthcare Flexible Spending Account (HCFSA)
A Healthcare FSA allows you to set aside pre-tax dollars to pay for qualified medical expenses, such as copays, deductibles, medical exams, limited over-the-counter items, prescription eye wear, out-of-pocket dental expenses, etc. All participants must update their contributions for 2026 with the guidance of a benefit counselor or the Workday portal.

Important Note: You may have either an HCFSA or an HSA, but not both.
As of the printing of this benefit guide, the 2026 maximum Healthcare FSA is $3,400. This amount is subject to change. Any money left in the FSA at the end of the plan year will be forfeited. This is called the Use It or Lose It provision. The deadline to submit FSA (Flexible Spending Account) expenses incurred by December 31st must be submitted by March 15th the following year.

Reminder: Do not discard your card. For replacement cards, call 866-755-2648.

Dependent Care Flexible Spending Account (DCFSA)
Qualified dependent care expenses can be paid with pre-tax dollars that are payroll deducted into this account. The annual maximum contribution is $7,500 ($3,750 if you are married and filing separate tax returns). A few examples include:

• Childcare for dependent children
• Care of physically or mentally handicapped dependents
• Care for elderly dependent parents

Changes to FSA Accounts may ONLY be made if you experience a qualifying life event.

Healthcare FSA and Dependent Care contribution limits are subject to IRS guidelines and may change.

Reminder: You will not receive a card for the Dependent Care FSA.

Administered by GuidanceResources

When you face significant problems that disrupt life at home or at work, having a counselor to talk with can help you through the difficult times. The Employee Assistance Plan (EAP) through ComPysch is a professional counseling service offering confidential help for day-to-day concerns or during difficult times. Counseling is a free benefit provided for all employees and dependents at no cost. Employees and their dependents are entitled to three (3) face-to-face or virtual appointments per issue each year, fully covered by the company.

EAP specialists can help with a wide range of life’s concerns, such as:

• Wellness
• Relationships
• Work and Education 
• Financial
• Legal
• Lifestyle
• Home and Auto
• Working Abroad
• Estate Guidance: Create your estate plan using the simple, step by step online program

If you would like to speak with someone for immediate support and/or referral to a behavioral health provider  in your area available under your EAP, ComPsych GuidanceConsultants can help 24 hours a day, 7 days a week.

• Phone: 877-595-5281. Clinicians are available by phone 24 hours a day, seven days a week.
• Online: www.GuidanceResources.com. Company Web ID: EAPBusiness

Click on the buttons below to download the GuidanceNow mobile app!

Working Advantage Program
EAP program also includes FREE access to the Working Advantage members-only program! This unique program  gives you access to exclusive discounts and special offers to theme parks, shopping, movie tickets, hotels, broadway shows and much more - with savings up to 60% off! Visit workingadvantage.com/guidanceresources to get started!

Administered by SunLife

Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D) is available at no cost to you and is paid for by the company. You are automatically enrolled in the plan. In the event of your death, the Basic Life plan pays your beneficiary $50,000 (benefit is reduced after age 65). If you are dismembered, lose your sight or hearing, or die in an accident, the AD&D pays a benefit up to $50,000 depending on the type of injury suffered. The benefit is reduced to 65% for those ages 70-74 and reduced to 50% for those ages 75 or more.

Voluntary Life Insurance and Accidental Death and Dismemberment Insurance (AD&D) is available to all employees for purchase in addition to your basic coverage. If you purchase coverage for yourself, you may also purchase coverage for your dependents. Employees must elect coverage for themselves in order to obtain coverage for a spouse and/or children. Evidence of Insurability (EOI) may be required before coverage takes place. Coverage will be denied if required EOI is not completed. Rates will be confirmed during enrollment with a counselor or via the Workday portal.

• During Plan Year 2026: Employees may elect/increase their benefit up to 5x their annual salary (not to exceed $350,000) without evidence of insurability.

Administered by Unum

Whole Life insurance with Long-Term Care offers protection beyond an individual’s working years, potentially for your
lifetime. With a guaranteed death benefit that will never decrease, level premiums that will never increase, cash value accumulation, living benefits and other options. Whole Life goes beyond typical term life insurance. During this enrollment period only, you can elect coverage without answering medical questions!

• Coverage is available for yourself in the amount of $10,000, $25,000, $50,000, $75,000, $100,000 or $125,000.
• Election can only be made once; an increase is not possible once you have made an election.
• Long term care benefits for home health or nursing home care are available under this plan. Pays 4% a month up to the
  benefit amount.

Administered by SunLife

Voluntary Disability Insurance protects a portion of your income if you become disabled due to an injury or illness and are unable to work. Voluntary Long-Term Disability Insurance can help protect your income if you are unable to work due to an accident or illness that extends beyond the elimination period. You pay for these benefits through convenient payroll deductions. You are only able to elect Short Term /Long Term Disability Insurance during annual enrollment or during your new hire enrollment period.

Administered by SunLife

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. This benefit is paid in addition to what your medical plan may provide and is available for you, your spouse, and your children and can be used regardless of pre-existing conditions, without undergoing a health exam. Each individual insured can earn $50 per year when a defined health assessment is completed. Click here to view the more than 50 eligible assessments.

To file a claim: Learn more about filing a Hospital Indemnity claim here. 

Administered by SunLife

Since accidents can happen at any time, it’s important to be prepared. This policy can help cover the out-of- pocket costs associated with an accident (on and off-the-job), by paying you a benefit depending on the injuries you suffer and the treatment you receive. You can use the money as you see fit, whether to pay for expenses associated with your accident, like an emergency room copay, or to pay for childcare so you can get to the doctor for a follow-up visit. This benefit is paid in addition to what your medical plan may provide and is available for you, your spouse, and your children and can be used regardless of pre-existing conditions, without undergoing a health exam.

• Each individual insured can earn $50 per year when a defined health assessment is completed. Click here  to view the more than 50 eligible assessments.
• Hospital confinement benefit now included for up to 365 days per covered accident
• Full spectrum of surgical benefits for covered accidents

Learn more about submitting an Accident Claim and other relevant information here. 

Administered by SunLife

Critical Illness Insurance provides you with a lump-sum cash benefit in the event you or a loved one is diagnosed with a covered condition such as cancer, heart attack, or stroke. It can help provide financial protection so you can focus on what’s really important — getting better. Each individual insured can earn $50 per year when a defined health assessment is completed. Click here to view the more than 30 eligible assessments.

Enhanced benefit options:
Includes COVID-19 diagnosis
Updated Health Assessment Benefit and screenings, that include routine services such as your annual health check-up, dental exams, vision exams, and more! A COVID-19 vaccine also qualifies!

New Coverages Available
Critical Illness now has four coverage benefit amounts to chose from: $10,000, $20,000, $30,000 and $40,000. Click the button below to learn more. 

Administered by LifeLock

Your identity is valuable, regardless of what you own or how much money you make. LifeLock Identity Theft Protection helps protect your finances by monitoring your personal information for possible identity theft and financial fraud. The plan includes identity alerts with credit monitoring, device security, parental control, and more.

Program Highlights

• Two plan options so you can be sure you have the level of protection you need.
• Both plans include the LifeLock Identity Alert System, lost wallet protection, live member service support, identity restoration support, data breach notifications, and more.
• The Essential plan is exclusively available as an employee benefit and includes retirement account monitoring.
• Select the Premier plan to have access to enhanced benefits such as checking and savings account activity and application alerts, monthly credit score tracking, and more.
• Covers dependents until they reach 26 years old.

Many more features are included! To learn more, visit: Norton.com/BenefitPlans.

Administered by Fidelity

It pays to start saving for your future as soon as you can.

Reaching your retirement goals can take a lot of preparation. Some investment professionals estimate that you’ll need at least 75–80 percent of your final working salary to maintain your lifestyle during retirement. Our Retirement Plan offers you tools, education, and investment options that can help you take steps today to prepare for what life has in store tomorrow.

The following programs are only available to employees and dependents enrolled in a company medical plan.

• Calm Health
• Real Appeal
• UHC Rewards
• One Pass Select
• Maven - New Benefit!
• Hasavi - United Heroes App
• Teladoc

Click here to view your 2026 carrier contact information.