Table of Content

Header
Your 2024 Air Power Dynamics Benefits
1. To Our Employees:
2. Eligibility & Qualifying Events
3. How to Enroll
4. Medical
5. Summary of Benefits and Coverage (SBC)
6. Prescriptions
7. Virtual Visits
8. FSA
9. HSA
10. Dental
11. Vision
12. Basic Life and Voluntary Life
13. Disability
14. Hospital Indemnity, Accident and Critical Illness Insurance
15. Employee Contributions
16. Understanding your Benefits
17. Carrier Contacts
Employee Assistance Plan (EAP)
1. Guardian EAP
2. MetLife EAP
3. Ease@Work EAP
Compliance Notices
Total Rewards
1. Company Time off and Holidays
2. 401(k) Retirement & Profit Sharing
3. FMLA
Questions?
Footer

Welcome To Your

Virtual Benefits Hub

Plan Year : January 1 - December 31st

This Virtual Benefits Hub was designed to be an interactive, centralized resource for you and your dependents to visit both during

open enrollment and throughout the year.

This page will serve as your go-to resource for benefits-related questions. You’ll be able to access enrollment information,

important benefit documents and different tools to help you understand your benefit offerings.

Your 2024 Air Power Dynamics Benefits

To Our Employees:

Once again this year, we conducted a thorough review of options available to us and we think we’ve come up with the best possible package. But the process doesn’t stop here—we need you to take an active role in understanding and selecting your benefit options. A strong grasp of the plans available to you will best allow both you and this organization to get the most bang for our buck.

To help you gain that strong understanding, please read this kit carefully and consult with HR with any questions.

Thank you for all that you do for us!

Medical

Cigna

Air Power Dynamics offers a medical plan through Cigna.

A PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance. The HDHP is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.

Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Cigna contract rate as the final charge and the member is not balanced billed.

Medical Summary

What is a PPO?

What is an HDHP with HSA?

Summary of Benefits and Coverage (SBC)

Looking for more details about how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below.

Prescriptions

TRADITIONAL DRUGS

TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.

TIER 2 | Higher copay: This category includes preferred, brand name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and a higher copay.

TIER 3 | Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand. These drugs have the highest copay. Make sure to check for mail-order discounts that may be available.

SPECIALTY DRUGS

TIER 4 | Lowest Specialty Drug copay: Tier 4 specialty drugs are generally more effective and less expensive than nonpreferred specialty drugs in tier 5.

WHERE CAN I FIND A DRUG LIST?

Typically, a full listing of covered drugs is found on your provider’s website. A drug list, also called a formulary, is a list of generic and brand-name drugs covered by a health plan. Although a drug may be on the drug list, it might not be covered under every plan. Review the plan materials for details on specific benefits.

You can use drug lists to see if a medication is covered by your health insurance plan. You can also find out if the medication is available as a generic, needs prior authorization, has quantity limits and more.

RX Summary

Managing Prescription Costs

Prescription Overview

A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions. Costs must be paid by you at the time of the virtual visit and will apply toward your deductible and out-of-pocket maximum.

WHEN CAN I USE A VIRTUAL VISIT?

When you have a non-emergency condition and:

your doctor is not available;
you become ill while traveling;
When you are considering visiting a hospital emergency room for a non-emergency health condition.

*Your covered children may also use Virtual Visits when a parent or legal guardian is present for the visit.

Examples of Non-Emergency Conditions:

Bladder infection
Seasonal flu
Sinus
Sore throat
Stomach
Rash
Bronchitis
Diarrhea
Fever
Pink eye

HOW DOES IT WORK?

The first time you use a Virtual Visits provider, you will need to set up an account with that Virtual Visits provider group. You will need to complete the patient registration process to gather medical history, pharmacy preference, primary care physician contact information, and insurance information.

Each time you have a virtual visit, you will be asked some brief medical questions, including questions about your current medical concern. If appropriate, you will then be connected using secure live audio and video technology to a doctor licensed to deliver care in the state you are in at the time of your visit. You and the doctor will discuss your medical issue, and, if appropriate, the doctor may write a prescription* for you.

Virtual Visits doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Costs for the virtual visit and prescription drugs are based on, and payable under, your medical and pharmacy benefit. They are not covered as part of your Virtual Visits benefit.

*Prescription services may not be available in all states.

HOW DO I GET ACCESS?

Learn more about Virtual Visits and access direct links by downloading the Cleveland Clinic Express Care App on your phone.

FSA

Flexible Spending Accounts & Dependent Care

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.

“USE IT” OR “LOSE IT”

“Unused” FSA funds do not roll over from year to year. If you don’t use the funds in your account by March 31, 2023, you’ll lose them.

Both the Health Care and Dependent Care FSA have a 75 day “grace period”. This means that you have until March 15, 2024 to incur your eligible expenses and until March 31, 2024 to submit your claims.

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 $2,850 annually
All benefit eligible can participate unless you or your spouse are contributing to an HSA.
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

The Dependent Care FSA

Allows you to pay for eligible dependent care expenses with tax-free dollars so that you and your spouse can work or attend school Full-time.

Funds in a Dependent Care FSA are only available once they have been deposited into your account and you cannot use the funds ahead of time.

You may set aside up to $5,000 annually in pre-tax dollars, or $2,500 if you are married and file taxes separately from your spouse.
If you participate in a Dependent Care FSA, you cannot apply the same expenses for a dependent care tax credit when you file your income taxes.

How the Plan Works

You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.

What is an FSA?

What is a Dependent Care FSA?

HSA

Health Savings Account (HSA) Overview

Health Savings Account

A Health Savings Account (HSA) is a tax-free savings account that is owned by you, it is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.

To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).

UNDERSTANDING YOUR HSA

Pre-tax contributions are deducted through payroll and deposited into your HSA account
You can use your HSA available funds to pay for qualified medical expenses tax-free
HSA funds can be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty
Unused funds remain in your account for future use and roll over each calendar year
HSAs remain with you even if you change health plans or companies. If you open an HSA and later become ineligible to make contributions, you can still use your remaining funds
You can change your HSA contribution at any time during the plan year for any reason.

You may contribute as follows:

$3,850 for Employee Only

$7,750 for a two-person or family

[Client Name] contributes the following to the employee's HSA:

$720 annually for Employee Only

$1,800 annually for two-person, or family

MAINTAINING RECORDS

To protect yourself in the event that you are audited by the IRS, keep records of all HSA documentation and itemized receipts for at least as long as your income tax return is considered open (subject to an audit), or as long as you maintain the account, whichever is longer.

HSA funds may be used for non-eligible expenses, but will be subject to regular income taxes and a 20% excise tax penalty.

Dental

Dental Benefits through Guardian provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.

NETWORK: [Carrier Network]

How do I find an In-Network Provider? Use the helpful link below!

In-Network providers can also be found by calling [Phone Number] or by visiting your provider’s website below where you can search by location, provider/facility name, or search by specialty.

Did You Know?

You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.

Pre-treatment Estimate

If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.

PREVENTION FIRST!

Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.

Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.

Looking for more details about how items are covered? Click on the link below to view the formal plan summary.

Dental Summary

Dental Insurance Overview Video

Vision

Air Power Dynamics offers vision coverage through Guardian to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Please note: Members may choose between prescription glasses (lenses and frame) and contact lenses, not both.

Did You Know?

Eyes can give doctors a clear picture of overall wellness. That’s why vision care—and vision benefits—can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:

Diabetes
Heart disease
High blood pressure
High cholesterol
Glaucoma and cataracts

To find out if your provider is in-network, please visit the website below.

Vision Benefit Summary

Vision Insurance Overview

Basic Life and Voluntary Life

Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental Death & Dismemberment (AD&D) insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.

Basic - Employer Paid $75,000 Benefit

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.

Voluntary - Employee Paid Life

Coverage is also available for your spouse and/or child dependents, but only after you've elected coverage for yourself. 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.Review the full benefit summary below for additional details.

Employee: $10,000 increments up to 5x your annual salary, to a maximum of $500,000 ($200,000 GI)

Spouse: $5,000 increments up to $250,000 or 100% of what you elect for yourself ($50,000 GI)

Children: $10,000 Benefit, one premium covers all of your eligible children

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.

*Guaranteed Issue (GI) and Evidence of Insurability (EOI)

When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI). [Annually, you are able to increase elections up $50,000 not to exceed the GI without proof of EOI. ]

Any amount elected over the GI will require EOI. If you elect optional life coverage, and are required to complete an EOI, it is your responsibility to complete the EOI and send to the provider (address will be listed on your form). In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.

Disability

Overview of Short Term & Long Term Disability

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. Your coverage pays 60% of your income up to a specific maximum in your benefit summary.

STD Benefit Features

Benefit begins 1st day Accident/8th day Illness
Benefit equal to 60% of pay – benefit is taxable income
Pre-existing condition limitations apply for first 12 months

Long Term Disability

Insurance through Unum can pay you a weekly benefit if you have a covered disability that keeps you from working. Long Term Disability insurance can replace part of your income while you recover.

LTD Benefit Features

Benefit begins after 180 day elimination period if remain disabled
Benefit equal to 60% of pay – benefit is taxable income
Pre-existing condition limitations apply for first 12 months

What is LTD Coverage?

What is STD Coverage?

Hospital Indemnity, Accident and Critical Illness Insurance

Hospital Indemnity

Hospital indemnity insurance can cover some of the cost associated with a hospital stay, letting you focus on recovery. Being hospitalized for illness or injury can happen to anyone, at any time. While medical insurance may cover hospital bills, it may not cover all the cost associated with a hospital stay.

What Does it Cover?

If you are admitted to a hospital for a covered sickness or injury, you'll receive payments that can be used to cover all sorts of costs, including: deductibles and co-pays, travel to and from the hospital for treatment, childcare service assistance while recovering, and much more.

Who Gets Paid? You get paid!

Hospital indemnity insurance is portable and payments are made directly to you- even if you didn't incur any out-of-pocket expenses. You can use the money however you want.

Accident

A serious injury can cost you a lot of money – not only in medical bills but in

things like income from lost work hours. Some injuries are minor, but others are

debilitating and require significant medical care. If you get hurt,

accident insurance pays

you money that you can use to cover personal expenses, bills, and out-of-pocket medical costs.

Accident Insurance can pay a set benefit amount based on the type

of injury you have and the type of treatment you need.

It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious events.

Who Gets Paid? You get paid!

When you are paid a benefit from Accident Insurance,

your health insurance company pays your doctor or hospital,

but your Guardian Accident insurance pays you.

You can use the money however you want.

Examples of what's covered

Accidental Death - Employee $25,000, Spouse $12,000 and Child $5,000
Ambulance - $150
Concussions - $75
Hospital Admission - $1,000

Critical Illness Insurance

Critical Illness Insurance can pay money directly to you when you are diagnosed with certain serious illnesses. Pre-existing conditions will have a 6-month look back; 6 months exclusion period.

What's covered?

Critical Illness such as heart attack, stroke and end-stage kidney failure
Cancer conditions, such as breast cancer and skin cancer
Progressive disease such as Alzheimer's Multiple Sclerosis and Parkinson's disease

Wellness Benefit

When you enroll in Accident or Critical Illness Insurance you can earn $50 just by getting an annual physical or covered preventive test.

What is Critical Illness?

What is Accident Coverage?

Employee Contributions

Pre-Tax Contributions

You share in the cost of your Medical, Dental and Vision Benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as set forth below. In addition, if you elect to contribute to a flexible spending account or a health savings account, those contributions will be taken out of your pay on a pre-tax basis based on your election.

After-Tax Contributions

If you choose to purchase Supplemental Life insurance and Optional AD&D insurance benefits for yourself or your dependents, your contributions will be taken out of your pay on an after-tax basis. You will be able to see the costs for these benefits in the enrollment system when you log in.

Medical Employee Contributions

Dental Employee Contributions

Vision Employee Contributions

What is Preventive Care?

Benefit Terms Explained

How to Read An Explanation of Benefits (EOB)

What is Balance Billing?

What is a Qualifying Event?

Primary Care vs. Urgent Care vs. ER

Guardian EAP

Support and guidance for you online or by phone

Guardian’s Employee Assistance Program gives you and your family members access to confidential personal support, across everything from stress management and nutrition to handling legal or financial issues. The services available include consultations with experienced professionals, as well as access to resources and discounts designed to help you in a variety of different ways.

You have unlimited access to support and helpful resources on our website, and you can consult with a professional counselor via telephone.
Face-to-face counseling sessions with an Uprise Health network provider — and up to three sessions are free of charge as part of WorkLifeMatters.
Free initial 30-minute consultation with an attorney, with a 25% discount on attorney services thereafter.
Unlimited telephonic support for financial problems or planning needs, and referral for face-to-face for more complex issues are provided for a fee.

Connect to a counselor for free support services: (800) 386-7055 (Available 24/7/365) Visit worklife.uprisehealth.com (Access Code: worklife)

MetLife EAP

The Employee Assistance Program (EAP) can help address a full range of professional and personal challenges with a hands-on approach to problem solving that saves you time and energy. The EAP is a FREE benefit available to all employees (you do NOT need to be on MP Nelevel's health insurance utilize).

The EAP provides:

Access to professional counseling (online or via phone)
Financial, Legal, Nutrition and Family Support
Online articles
Resources and toolkits
Self-Assessments
And other various resources

Access the EAP by web or phone by:

Visiting Workhealthlife.com and type in 'APi Group Inc' in the organization search bar
Calling 1-866-695-6327 and let them know you are with company 'APi Group"
Downloading the My EAP App

Ease@Work EAP

Ease@Work can help you reduce stress, improve mental health, and make life easier by connecting you to the right information, resources, and referrals. All services are free, confidential, and available to you and your family members. This includes access to short-term counseling and a wide range of services.

Mental Health Sessions Manage stress, anxiety, and depression, resolve conflict, improve relationships, overcome substance abuse, and address any personal issues.
Life Coaching Reach personal and professional goals, strengthen relationships, and build balance.
Financial Consultation Build financial wellness related to budgeting, buying a home, paying off debt, managing taxes, preventing identity theft, and saving for retirement or tuition.
Legal Consultation Get help with personal legal matters including estate planning, wills, real estate, bankruptcy.
Work-Life Resources and Referrals Obtain information and referrals when seeking childcare, adoption, special needs support, eldercare, housing, transportation, education, and pet care.
Personal Assistant Save time with referrals for travel and entertainment, seeking professional services, cleaning services, home food delivery, and managing everyday tasks.
Medical Advocacy Get help navigating insurance, obtaining doctor referrals, securing medical equipment or transportation, and planning for transitional care and discharge.
Wellness Build holistic well-being with wellness coaching.
Member Portal and App These digital tools enable you to access your benefits 24/7/365 with online requests and chat options.

Call: 800-521-3273

Visit: easeatwork.com & select Member Portal & App

Portal Code: [password]

Compliance Notices

Federal regulations require employers to provide certain notifications and disclosures to all eligible employees. The compliance packet linked is dedicated to those disclosures for your [Add Dates] plan year. If you have any questions or concerns please contact your HR Department.

Total Rewards

Company Time off and Holidays

Paid Time Off (PTO)

PTO is available to eligible employees to provide opportunities for rest, relaxation, personal pursuits, sick days, and time off to care for family members.

Regular full-time employees begin accruing PTO on their date of hire.
Part-time regular employees are entitled to PTO on a pro-rated basis and begin accruing PTO on their date of hire.

Please remember that all PTO should be scheduled at least 2 weeks in advance or per supervisor’s request. For more information on PTO, refer to [add HRIS system] or the Employee Handbook.

Company Paid Benefits

Company Paid Holidays

Monday, January 3 - New Year's Day (Observed)
Monday, January 17 - Martin Luther King, Jr. Day
Monday, May 30 - Memorial Day
Monday, July 4 - Independence Day
Monday, September 5 - Labor Day
Thursday, November 24 - Thanksgiving Day
Friday, November 25 - Day after Thanksgiving
Friday, December 23 - Christmas Eve (Observed)
Monday, December 26 - Christmas Day (Observed)

401(k) Retirement & Profit Sharing

Saving for retirement is one of the most important financial goals you’ll ever set. Having a strong retirement plan will give you more freedom and control over your lifestyle down the road, ensuring a financially secure future for you and your family.

[Company Name] 401(k) Retirement Savings Plan At-a-glance

Enrollment is automatic:

You will be automatically enrolled in Gray’s plan after you become eligible or 45 days after your date of hire. Unless you make an alternative election (or affirmatively opt out), 3% of your pay will be deducted from your paycheck each period on a pre-tax basis and contributed to your account automatically. Re-enrollment each year is also automatic. Also, unless you change your contributions, your savings rate will increase by 1% each January 1st (up to 12%) unless you login and opt out.

Access your account online.

For information about your retirement plan benefits, head to gray.trsretire.com to create or sign into your account.

Employee Stock Ownership Plan

[Company Name] is one of our most exciting benefits! It’s a qualified retirement plan governed by ERISA (IRS, Department of Labor) that provides team members with ownership in [Company Name], thus sharing in the capital growth and dividends of the company. It’s also an effective tool for business ownership succession planning.

Who can participate?

All full or part-time team members are eligible to participate once the following criteria are met:

Must have completed one full year of service, with no break in employment.
Must have worked at least 1,000 hours in the one-year period.
After all criteria has been satisfied, you will enter the plan on either January 1 or July 1 (whichever date comes first after you become eligible).

Contact Information

401(k): For questions on the 401(k) please call {Carrier Name and Phone Number].

Employee Stock Ownership Plan: Should you have questions regarding the ESOP, please contact the Gray Benefits team at 859.244.9859 or email benefits@gray.com.

FMLA

Any time you are missing work due to your own serious medical condition or the care of a family member’s condition, please follow the steps below:

Contact your Supervisor or Human Resources
Call toll-free at [Phone Number] to initiate your claim as soon as your leave begins. Your claim can be initiated Monday through Friday, between the hours of [add hours available]. Please be prepared to provide the following information:
Your Group # is [Group Number]
Your name, social security number, address and telephone number
Physician’s name, address, phone and fax numbers
Please sign the authorization on the back and provide a copy to your treating physician(s)
After your claim has been initiated, for questions regarding ongoing claim status, you may call [Phone Number] to speak with a Representative.

About Family Medical and Leave

The Family Medical Leave Act (FMLA) is the federal law that provides up to 12 weeks or 26 weeks of unpaid job-protected leave during a 12-month period (which need not be consecutive).
Qualifying events for the FMLA:
Birth of a child
Adoption of a child
Care of an immediate family member with a serious health condition
Immediate family member includes: spouse, child or parent
An employee’s own serious health condition
Military leave
Caregiver leave
Qualified Exigency
Leave can be taken in one of three ways:
Continuous – one unbroken block of time
Intermittent – leave used in blocks of time that start and stop throughout an approved period for leave
Reduced Schedule – leave taken by an employee working less hours a day and/or fewer days a week

For more information or if you have any questions on the program or the FMLA, please contact your HR department.

Questions?

As you consider your benefit options, please be sure to review all available information. If you don't understand your benefits or need any assistance, please contact Human Resources.

Air Power Dynamics

Table of Content

Your 2024 Air Power Dynamics Benefits

What is a Qualifying Life Event?

What is a Qualifying Life Event?

Medical

Medical Summary

What is a PPO?

What is a PPO?

What is an HDHP with HSA?

What is an HDHP with HSA?

Summary of Benefits and Coverage (SBC)

Prescriptions

RX Summary

Managing Prescription Costs

Managing Prescription Costs

Prescription Overview

Prescription Overview

FSA

What is an FSA?

What is an FSA?

What is a Dependent Care FSA?

What is a Dependent Care FSA?

HSA

Health Savings Account (HSA) Overview

Health Savings Account (HSA) Overview

Dental

Dental Summary

Dental Insurance Overview Video

Dental Insurance Overview Video

Vision

Vision Benefit Summary

Vision Insurance Overview

Vision Insurance Overview

Basic Life and Voluntary Life

Life/AD&D

Life/AD&D

Disability

What is LTD Coverage?

What is LTD Coverage?

What is STD Coverage?

What is STD Coverage?

Hospital Indemnity, Accident and Critical Illness Insurance

What is Critical Illness?

What is Critical Illness?

What is Accident Coverage?

What is Accident Coverage?

Employee Contributions

Medical Employee Contributions

Dental Employee Contributions

Vision Employee Contributions

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read An Explanation of Benefits (EOB)

How to Read An Explanation of Benefits (EOB)

What is Balance Billing?

What is Balance Billing?

What is a Qualifying Event?

What is a Qualifying Event?

Primary Care vs. Urgent Care vs. ER

Primary Care vs. Urgent Care vs. ER

Carrier Contacts

Carrier Contacts

Guardian EAP

MetLife EAP

Ease@Work EAP

Compliance Notices

Total Rewards

Company Time off and Holidays

401(k) Retirement & Profit Sharing

FMLA

Questions?