CSP

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT REMINDER!
  3. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  4. Medical & Rx
    1. Welcome To Quantum Health
    2. Medical/Rx Plans Overview
    3. Rx Information
    4. Providers & Networks
    5. Virtual Care
    6. Carrier Resources & Education
  5. Accounts
    1. Flexible Spending Accounts (FSA)
  6. Dental
    1. Dental Plans Overview
    2. Providers & Resources
  7. Vision
    1. Vision Plan Overview
    2. Providers & Resources
  8. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Voluntary Benefits
  9. Employee Assistance Program
  10. InsurChoice
  11. 401(k)
  12. Additional Educational Videos
  13. Annual Notices
  14. Wellness
  15. Have Questions?
  16. Footer

Welcome

Helping you and your family reach and maintain good health is very important to CSP. We are 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.  CSP remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees. Highlights of the 2026 benefit plans include: 

  • Quantum Health is our continued health advocacy partner, no plan design changes or contribution changes
  • Medical Plans will use the Aetna POS II Choice network
  • Rx will run through the CVS Caremark
  • FSA still through EBC, with IRS limit increasing
  • Dental Plan will remain with Delta Dental, increase in contributions
  • Vision Plan will remain with EyeMed, decrease in contributions
  • Core Life & Voluntary Life through Prudential
  • Short-Term Disability, Long-Term Disability, & FMLA through Prudential
  • Critical Illness & Accident coverage through Prudential
  • Employee Assistance Program still through Prudential
  • Legal and ID Protection still with Legal Shield/ID Shield

Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2026! 

OPEN ENROLLMENT REMINDER!

Open Enrollment is from October 27, 2025 through November 14, 2025. This is the time of year where you can elect new plans with Teijin Automotive Technologies. You may switch between plans and make changes without being required to have a qualifying life event. Please also keep in mind the following when making your elections for 2026:

THIS IS A MANDATORY OPEN ENROLLMENT! 

If you do not log in to make elections during this open enrollment period, your current elections will not carry over, you must log in and make elections by 11/14/2025.

Eligibility

All full-time employees working at least 30 hours per week are eligible to participate in the benefit plans offered by CSP. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children

Children eligible for benefits as follows: 

Medical, Dental & Vision: Until the last day of the year in which the child turns 26

If you and your spouse are both CSP employees, each of you and your children cannot be covered by both employee’s plans

Enrollment

ENROLLMENT INSTRUCTIONS:

  1. Review your benefit information included on this site
  2.  Log into your ADP account
  3. Follow instructions and enroll in your benefits - you must complete your enrollment even if you are waiving benefits
  4. Make sure to save your elections and save/print your confirmation statement.

The Benefit choices you make during your enrollment remain in effect for the entire year. You can, however, modify your elections under certain circumstances, called "Qualifying Life 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.

Contact Human Resources if you have questions about qualifying events.

What is a Qualifying Life Event?

What is a Qualifying Life Event?

Medical & Rx

Quantum Health will be continue to be your health advocate for medical and prescription drug coverage for the 2026 plan year. 

Please be register your account on the Quantum Health member portal. This is where you can access important information pertaining to your new medical plans with Quantum Health including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. 

Please see the tab below for further information, resources, and video to Quantum Health! 

Quantum Health Member Portal

Your coverage must be active to register

Quantum Health Member Portal

Your coverage must be active t ...

Welcome To Quantum Health

Ready for a better healthcare and benefits experience?

One-of-a-kind support is coming soon!

When dealing with healthcare and benefits, it can be hard to know where to start. Quantum Health will be your one place to turn to when you need assistance.

  • One number to call with any questions
  • One app for self-service help
  • One team of experts dedicated to helping you

When your benefits kick in, think of Quantum Health as your dedicated team of nurses, claims specialists and benefits experts ready to save you time and:

  • Get answers to claims, billing and benefits questions
  • Find in-network providers
  • Verify coverage and get prior approval if needed
  • Contact providers to coordinate your treatment
  • Review your care options
  • Replace ID cards

When you don’t know where to begin, start with us.

No request is too big or small for your Quantum Health Care Coordinators. When you need help, we’ll be just a tap, click, chat or call away. Contact your Quantum Health Care Coordinators for healthcare and benefits help at (866) 678-0660 or by visiting CSP.Quantum-Health.com

Medical/Rx Plans Overview

Below is a high-level overview of your plan options and in-network benefit information:

You will be asked to confirm any coordinating coverage through an OIC form. You must complete and return this form for your claims to be paid. 

    • Complete and return OIC form via mail, email, or fax - the form is attached below. 

You can view more details of these plans by accessing the benefit summaries provided below.

Rx Information

You have access to a team led by pharmacists and nurses who are specially trained in conditions like yours. Your Care Team can: 

  • Remind you when it’s time to refill 
  • Help you manage symptoms and side effects 
  • Check dosage and medication schedules, and give advice on taking your medication correctly 
  • Track how well your medication manages your condition

Register for an account at CVSspecialty.com or download the mobile app to: 

  • Refill your prescription 
  • Check order status and track refills 
  • Chat with your Care Team

You can have your medication delivered anywhere nationwide, even if you’re on vacation. Or you can pick it up at any CVS Pharmacy® location.

How to get started

  1. Register on CVSspecialty.com 
  2. Existing prescriptions? Call 1-800-237-2767 (TTY: 711) to transfer your prescription
  3.  New prescriptions? Your doctor can - e-Prescribe to CVS Specialty
  4. Call our Care Team at 1-800-237-2767 (TTY: 711), Monday through Friday, 7:30 AM to 7:30 PM (local time)
  5. Fax prescriptions to 1-800-323-2445

Members can review the below Drug Formulary to determine if and how their medications are covered. 

If your local pharmacies are currently not participating in the national network, claims reimbursement would still be available. Members would need to pay out of the pocket and submit for reimbursement using the below attached reimbursement form. All out of network claims will be subject to their applicable copay plus 25%.

CVS Specialty Member Portal

Log in/Regester Here!

CVS Specialty Member Portal

Log in/Regester Here!

Download the App

Apple

Download the App

Apple

Download the App

Google Play

Download the App

Google Play

Providers & Networks

All medical plans are PPO's (Preferred Provider Organizations). These plans provide in and out-of-network coverage for a variety of services. If you do seek care out of network, you will experience higher cost sharing in addition to possible balance billing.

When you are searching for in-network providers and facilities you will be directed to the Aetna network but please remember you do not have Aetna as your medical insurance provider. If you or your care team has questions about this, please call Quantum!

Virtual Care

Teladoc | 800-TELADOC | www.teladoc.com

CSP provides those employees who are covered by one of the medical plans access to virtual care with Teladoc Health. Teladoc Health provides members the opportunity to receive medical and mental health care from the comfort of your own home. 

 All eligible members will need to download the Teladoc Health app and create a new account with Teladoc Health.

Virtual Care:

Have a virtual visit with a U.S. board-certified doctor for minor illnesses such as colds, sore throats, urinary tract infections and pink eye. Visits are available for adults and children 24/7. Average wait time is 10 minutes. Prescriptions can be called in to your preferred pharmacy if needed. 

 Member Advantages

  •  <7-day average wait time to see a PCP 
  • Eliminating transportation costs and travel time
  • Build a relationship and receive quality care; average length of a new patient visit is 54 minutes
  • Manage their chronic conditions; 46% of follow up visits were for identified chronic conditions 
  • Address their whole health needs; 20% of visits resulted in a referral to an in-network care provider and 53% used at least one other Teladoc service

Virtual Mental Health Services:

Through the Mental Health option, you can connect with a licensed therapist or U.S. board-certified psychiatrist when you’re dealing with stressful situations or issues such as grief, anxiety and depression. Appointments are available from 7 a.m. to 9 p.m., seven days a week. Therapy is available for members ages 13 and up. Psychiatry is available for members ages 18 and up. 

Download the App

Carrier Resources & Education

pc us er

pc us er

HDHP+HSA

HDHP+HSA

Deductibles-Embedded vs Aggregate

Deductibles-Embedded vs Aggregate

Accounts

You have the opportunity to contribute to a Flexible Spending Accounts on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines.

Flexible Spending Accounts (FSA)

800.346.2126 | participantservices@ebcflex.com | www.ebcflex.com

The Flexible Spending Account (FSA) allows you to set aside pre-tax dollars to pay for eligible medical and/or dental and vision expenses. The nice part about an FSA is you have access to the full annualized amount on day one! The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, if you get married, you can increase your contribution, however, you cannot decrease or end your FSA for this type of life event. 

Plan Details are as follows:

  • You can contribute up to $3,400 annually.
  • At the end of the plan year, you have 2 1/2 months to incur claims to use any leftover funds.
  • You have access to your full annualized election amount on day one.
Flexible Spending Account

Flexible Spending Account

How to Optimize your FSA

How to Optimize your FSA

Dental

Group #5291 | 800.524.0149 | www.deltadentalmi.com

CSP dental plan provides comprehensive coverage to help you and your family maintain good dental health. The dental plans include both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.

If you are already enrolled in the CSP Delta Dental plan today and have not already done so, please be sure to register through the Delta Dental member portal where you can access important information pertaining to your dental plan with Delta Dental including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Delta Dental portal as of your effective date of coverage.

Delta Member Portal

Log-In/Register Here!

Delta Member Portal

Log-In/Register Here!

Dental Plans Overview

Below is a high-level overview of your plan details and benefit information:

What are Preventive Services? Routine oral exams and cleanings, x-rays, sealants & fluoride treatments

What are Basic Services? Periodontics, endodontics (root canals), oral surgery, fillings

What are Major Services? Prosthodontics, crowns, dentures, implants & bridges

You can view more details of these plans by accessing the benefit summaries provided below.

Providers & Resources

Delta Dental of Michigan offers the nation's largest dental networks: Delta Dental PPO and Delta Dental Premier. Plus, you will not be balance billed if you see a PPO or Premier dentist - giving them added savings. If you do choose to visit a nonparticipating dentist you may be balance billed and may have to pay more.

When traveling out of the United States you also have access to the Passport Dental program giving you access to a worldwide network of dentists. English-speaking operators are available to help you access care. Delta Dental coverage outside of the United States is the same as Delta Dental coverage within the United States.

Locate a participating provider by using the button below, select Delta Dental PPO plus Premier.

Vision

Group #1008355-1000 | 866.939.3633 | www.eyemed.com

CSP offers vision coverage through EyeMed to help pay for eye exams, prescription glasses and contact lenses. EyeMed also provides discounts for Hearing Care and Lasik.

If you are already enrolled in one of the CSP EyeMed vision plan today and have not already done so, please be sure to register through the EyeMed member portal where you can access important information pertaining to your vision plan with EyeMed including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the EyeMed portal as of your effective date of coverage.

EyeMed Member Portal

Log in/Regester Here!

EyeMed Member Portal

Log in/Regester Here!

Vision Plan Overview

Below is a high-level overview of your plan details and benefit information:


You can view more details of these plans by accessing the benefit summaries provided below.

Providers & Resources

Locate a participating provider using the button below.

Member FAQ

Member FAQ

Hearing Care

Hearing Care

Lasik

Lasik

Financial Protection

CSP understands the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D and Disability coverage at no cost to you. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.

Life/AD&D

Prudential Life and AD&D | 800-524-0542 8am - 8pm EST | www.prudential.com/mybenefits

A sudden accident or death can leave you or your loved ones in a vulnerable position. CSP provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of 2.5 time's your annual salary up to $400,000 at no cost to you. Employees have the opportunity to enroll in additional 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.

Voluntary/Supplemental Life Insurance Options

Employee: $10,000 increments up to $500,000; guarantee issue is $200,000*

Spouse: $5,000 increments up to the lesser of your amount or $150,000; guarantee issue is $50,000*

Child: $2,000 increments up to the lesser of your amount or $10,000

Evidence of Insurability (EOI) will be required for spouses, employee future elections that are not due to new hire enrollment, increases to benefit amounts, or an election that exceeds the guarantee issue amount.

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.

*Guarantee Issue only applies to new hires or newly eligible spouses (due to marriage) electing benefits for the first time.

 Need to file a claim? Find forms below. 

Disability

Prudential Absence & Disability | 877-367-7781 8am - 8pm EST | www.prudential.com/mybenefits

CSP provides both Short & Long-Term Disability benefits at no cost to you!

Everyday illnesses or injuries can interfere with your ability to work, more serious issues can impact your ability to work indefinitely. Even a few weeks away from work can make it difficult to manage household costs. 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.

Short-Term Disability

Benefits begin on the 1st day of an accident or the 8th day of an illness.

Benefits may last up to 26 weeks.

Benefit Amount: $350

Long-Term Disability

 Benefits begin on the 181st day of an accident or illness.

Benefits may last up to your Social Security Normal Retirement Age

Benefit Amount is 60% of your monthly income to a maximum of $5,000

Pre-existing Condition Limitation 12/12 - If you have an LTD claim in the first 12 months of being on the plan of which you received any type of treatment for during the 12-month window prior to enrolling on the plan, the claim may be denied due to the pre-existing condition limitation. 

 Need to file a claim? Find forms below.

Voluntary Benefits

Prudential Voluntary Benefits | 844-455-1002 8am - 8pm EST | www.prudential.com/mybenefits

CSP 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 you. These benefits are paid for through payroll deduction on a post-tax basis so that the benefits are tax free.

Accident & Critical Illness coverage is provided through Prudential. Hopefully you are never in the position to use it, but if you were to experience an accident, illness, or hospitalization, it could end up costing you a lot of money. With these plans, you will be paid money for qualifying situations/services to cover out of pocket expenses, or you may use the funds for whatever you like. 

Accident Provides cash benefits for qualifying accidents and follow up care such as broken bones, sprains, burns and more.

Critical Illness Provides a cash benefit for qualifying illnesses such as heart attacks, strokes, organ failure, cancer and more.

Identity Protection and Legal Services are provided through ID Shield/Legal Shield. These benefits are offered in an effort to protect and assist with the expenses and services needed in the event you are faced with compromises to your identity or legal matters. 

 Need to file a claim? Find forms below.

Accident

Accident

Critical Illness

Critical Illness

ID Theft Assistance

ID Theft Assistance

Employee Assistance Program

CSP realizes that your needs go beyond just the standard insurance. This is why we also provide all employees and their families access to personal service and assistance resources at no cost. 

 Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services. Representative who can assist you through work-life balance, stress management, grief, counseling, and much more. They will also help you find resources within your community. 

  • Confidential Counseling
  • Financial Information including retirement planning, estate planning, managing debt
  • Referrals for child, pet, and elder care, 
  • Referrals for personal services and community resources. 
  • Legal Support & Resources including a free 30-minute consult and 25% reduction in customary legal fees thereafter.

...plus much more!

To get started visit:

 www.GuidanceResources.com

 or call (800) 311-4327

App: GuidanceNow

Web ID: GRS311

InsurChoice

All-around protection for what matters most to you — spanning the entire breadth of NFP’s focused expertise. 

 Key benefits include:

  • Competitive pricing: One size doesn’t fit all, so you can match yourself with the best rates and coverages from multiple insurance companies.
  • Custom-tailored coverage: Select the products that meet YOUR needs & YOUR schedule.
  • Stability: We have relationships with key national carriers who have a proven track record of rate and coverage stability.
  • Innovation: With our innovative digital product platform we are constantly striving to add more benefits and improve your experience.

For more information, scan or click the QR code below or email us at InsurChoice@nfp.com

401(k)

Policy #194612.01 | 844.465.4455 | www.empowermybenefit.com

A 401(k) plan is a retirement savings plan designed to allow eligible employees to supplement any existing retirement and pension benefits by saving and investing through a voluntary salary contribution. Empower Retirement administers the 401(k) Plan

Eligibility Requirements & Enrollment

To enroll in the Plan, employees must be age 18 or older. Eligible employees may enroll each month by using the online enrollment option at empowermyretirement.com.

Employee Contributions & Limits

You may make pre-tax or Roth (after-tax) contributions to the plan. 

Employer Contributions

Safe Harbor Employer Matching Contribution

Your Plan provides for a safe harbor employer matching contribution of 100% of the first 3%, and 50% of the next 3%. Employer matching contributions are immediately 100% vested.

Additional Educational Videos

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read an EOB

How to Read an EOB

What is Balance Billing?

What is Balance Billing?

401k

401k

COBRA

COBRA

How to stretch your healthcare dollars

How to stretch your healthcare dollars

FMLA

FMLA

Annual Notices

Wellness

In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. At Teijin Automotive Technologies, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.

To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the Wellness Hub.

Wellness HUB

Wellness HUB

Have Questions?

As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.



This is a high-level guide of certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage.


Powered By

Insurance services provided through NFP Insurance Services, Inc. (NFPISI), a subsidiary of NFP Corp (NFP). NFP and its subsidiaries do not provide tax or legal advice. This material was created to provide a summary of the subjects covered but should not be regarded as a complete analysis of these subjects. The services of an appropriate professional should be sought regarding your individual situation.

Copyright © 2025 NFP Corp. All Rights Reserved.