WELCOME
Helping you and your family reach and maintain good health is very important to Garber Automotive Group. Garber is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
Eligibility
Newly hired employees working at least 30 hours per week are eligible to participate in benefits on the 1st of the month following 60 days of employment. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse*, child(ren) up to age 26** (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.
*Medical Only: If your spouse is currently employed and has access to his/her own employers sponsored medical plan, he/she must enroll in that plan as primary in order to be eligible for the Garber Management Group medical plan. I understand that any misrepresentation or omission of facts may be cause for immediate dismissal. Please note, if employee & spouse both work for Garber, they can remain on the same plan.
**Children covered under your life insurance are eligible through age 19, or 26 if full time student.
ENROLLMENT
Action Required:
Enrollment Instructions
- Go to www.garberconnection.com
- Enter your User ID: First Initial + Last Name + Birth Month + Birth Day - e.g.John Smith, July 30 = JSmith0730
- Enter your Password: Last 4 of your SSN
- Follow instructions and enroll in your benefits
- Make sure to save your elections and print your confirmation statement.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.
Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
MEDICAL/RX
BCBSM administers your medical and prescription benefits. You have the choice of various BCBSM PPO plans to choose from that best fits you and families needs.
To view participating providers, please visit the BCBSM website below.
TELEMEDICINE
Garber offers those employees who are covered by one of the Garber medical plans access to virtual visits with Teladoc. Teladoc provides members the opportunity to receive medical and mental health care from the comfort of your own home. With Teladoc, eligible employees and your family members have access to board certified doctors and psychiatrists and licensed therapists.
To get access to these convenient services, visit www.Teladoc.com and click "Get Started" - OR - you may contact Teladoc at 800.835.2362.
DENTAL
Garber's dental plans provide comprehensive coverage to help you and your family maintain good dental health. BCBSM partners with United Concordia Companies to utilize their network of dental providers, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.
To find out if your provider is in-network, please visit the website below.
VISION
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
Garber offers vision coverage through BCBSM to help pay for eye exams, prescription glasses and contact lenses. BCBSM partners with VSP to utilize their network of vision providers, your VSP vision network is VSP Choice. You receive a higher level of benefits when you see a provider in the CHOICE network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the website below.
LIFE & DISABILITY
Garber provides you with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability through Unum.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for $20,000 coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
Voluntary Life/AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Short Term Disability
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills.
Long Term Disability
Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
FSA
The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.
Contributions
The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.
You may contribute as follows:
Health Care FSA
- Up to $2,750 annually
- All benefit eligible can participate
- If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only
- Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses
Dependent Care FSA
- Up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
HSA
The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:
- Covered by a Qualified High Deductible Health Plan
- You cannot be covered by another health plan (including if your spouse has a Flexible Spending Account)
- You cannot be covered by Medicare or Medicaid
- You cannot be eligible to be claimed as a tax dependent
- You have not received VA benefits in the past 90 days
HSA 2022 IRS Maximums are as follows:
- $3,650 for a single contract
- $7,300 for a two person or family
- $1,000 "Catch Up" contribution for those age 55+
The maximums noted above are combined maximums for employee and employer provided funding. If you elect the HSA 2000 plan, the above maximums will need to be off set by the employer provided funding.
VOLUNTARY BENEFITS
Garber provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to employees. Additional benefits include:
- Accident Care
- Critical Illness
- Whole Life Insurance
MENTAL HEALTH RESOURCES
Your mental wellbeing is equally important as your physical wellbeing. Garber recognizes the importance of taking good care of yours and your families mental health. Garber provides all employees and their dependents access to the Employee Assistance Program with Unum. For those employees covered by a Garber BCBSM medical plan, you and your dependents also have access to virtual mental health services with Teladoc.
UNDERSTANDING YOUR BENEFITS
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Garber Connection, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:
Garber Automotive Group
989.497.6411