Elevate Living

Table of Content

  1. Header
  2. Elevate Living 2025 Benefits
    1. Welcome
    2. Overview of Benefits
    3. Enrollment (OE)
    4. Enrollment
    5. Election Changes
    6. Medical
    7. Additional Medica Plan Resources
    8. Dental
    9. Vision
    10. Flexible Spending Account (FSA)
    11. Health Savings Account (HSA)
    12. Basic Life/AD&D
    13. Voluntary Life/AD&D
    14. Disability
    15. Additional Benefits From Sun Life Financial
    16. Company Holidays
    17. Paid Time Off (PTO)
    18. Value Adds
    19. Benefit Summaries
    20. Plan Documents
    21. Contact Us
    22. Annual Notices
  3. Footer

Elevate Living 2025 Benefits

Enrollment

Action Required

Read the information provided and review your benefit options carefully. Enrollment must be completed in Kronos/UKG within 30 days of your hire/eligibility date.

Dependents

When you enroll yourself in the benefit program, you may also choose to enroll your eligible dependents for medical, dental, vision and optional life insurance coverage.

Eligible dependents include:

  1. Legally married spouse; this does not include a common law spouse or an ex-spouse.
  2. Your (or your spouse’s) natural child, legally adopted child, stepchildren living with you, or children for whom you or your spouse is legal guardian and who are less than 26 years of age.
  3. Unmarried children incapable of self-support because of a total physical or mental disability (please see HR for details).

Election Changes

The benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.

Benefit Changes During the Year

Unless you experience a qualifying life event, you cannot make changes to your benefits until the next open enrollment period. Qualifying events include things like:

  • Marriage, divorce or legal separation
  • Birth or adoption of a child
  • Change in child’s dependent status
  • Death of a spouse, child or other qualified dependent
  • Change in employment status or a change in coverage under another employer-sponsored plan

If you have a life changing event throughout the year, please reach out to Human Resources.

Voluntary Life/AD&D

Sun Life Financial

While Elevate Living offers basic life insurance, some employees may want to purchase additional life insurance coverage to continue to provide for their dependents after their death. With voluntary life insurance through Sun Life Financial, you are responsible for paying the full cost of coverage through bi-weekly payroll deductions. You can purchase coverage for yourself, your spouse, and/or your dependent child(ren).

  • Voluntary Life Insurance
  •  Voluntary Accidental Death & Dismemberment (AD&D)

Employee

  • Available in $10,000 increments ($20,000 minimum) with a maximum of $500,000 or 5x's your basic annual earnings.
  • Guarantee issue of $100,000, all new hires are eligible to elect coverage up to this amount without requiring evidence of insurability.

Spouse

  • Available in $5,000 increments with a maximum of $100,000 or 50% of the employee’s election, whichever is less.
  • Guarantee issue of $25,000, newly eligible spouses are eligible to elect coverage up to this amount without requiring evidence of insurability.

Dependent Child(ren)

  • Age 14 days to 6 months: Available as a flat $250 amount.
  • Age 6 months to age 26: Available as a flat $20,000 amount.
  • Newly eligible dependents are eligible to elect coverage up to this amount without requiring evidence of insurability.

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.

Disability

Sun Life Financial

Short and Long Term Disability

Disability insurance provides partial income replacement in the event an eligible employee incurs an illness/ injury that keeps them out of work for at least 7 days. Elevate Living provides full-time employees with both short- and long-term disability coverage. Without disability coverage, you and your family may struggle to get by if you miss work due to an injury or illness.

At Elevate Living, we want to do everything we can to protect you and your family. That’s why we pay for the full cost of short‐term and long‐term disability insurance.

Please note that you are not eligible to receive short-term disability benefits if you are receiving workers’ compensation benefits.

Employees must work a minimum of 30 hours per week to be eligible for this benefit. Newly hired employees will have a 6 month wait period to enroll in the Short Term Disability (STD) or Long Term Disability (LTD) benefit plans.

Short Term Disability (STD)

  • Coverage amount: 66 2/3 % of weekly salary
  • Maximum weekly benefit, non-manager/nonexecutive: $1,200/week
  • Elimination period: 7 days
  • Maximum duration: 12 weeks

Long Term Disability (LTD)

  • Coverage amount: 60% of your monthly salary
  • Maximum monthly benefit: $6,000
  • Elimination period: 90 days
  • Maximum duration: normal social security retirement age or length of continued disability
Disability Insurance Overview

Disability Insurance Overview

Additional Benefits From Sun Life Financial

Employee Assistance Program (EAP)

Your EAP allows you someone to talk to and resources to consult whenever and wherever you need them. See below for some of the resources you have access to:

  • Confidential Emotional Support—Speak with highly trained clinicians to help you and your family members with any issues, including anxiety, depression, grief, loss, life adjustments and relationship or marital conflicts.
  • Work-Life Solutions—Specialists provide qualified referrals and resources for just about anything on your to-do list, such as: finding child and elder care, hiring movers or home repair contractors, planning events and locating pet care.
  • Legal Guidance—Talk to an attorney for practical assistance with your most pressing legal issues, including divorce, adoption, family law, wills, trusts and more.
  • Financial Resources—Financial experts can assist with a wide range of issues, such as: retirement, taxes, mortgages, budgeting and more.

To find out what other resources are available to you through your EAP, call 877-595-5281 or 800-697-0353 (TTY). You can also download the mobile app GuidanceNow, or visit the website below.

Emergency Travel Assistance

If you or your family are traveling more than 100 miles from home and have a medical or personal emergency, help is just a phone call away. By calling Assist America’s 24/7 Emergency Travel Assistance call center, you can receive the following:

  • Medical consultation, evaluation and referral
  • Hospital admission guarantee
  • Assistance with unattended minor children
  • Lost prescription assistance
  • And more!

Identity Theft Protection

Identity theft is a serious crime. Every year, millions of Americans become victims of identity theft and spend significant time and money to restore their records. This service, provided through Assist America’s SecurAssist® Identity Protection program, provides the following:

  • 24/7 telephone support and guidance by anti-fraud experts
  • A dedicated expert caseworker who will help notify credit bureaus, file paperwork to correct credit reports, cancel stolen cards and request new ones
  • Proactive protection and alerts for up to 10 credit or debit cards per employee, using sophisticated web crawling technology that monitors underground chat rooms, where thieves are selling and trading stolen personal information

Online Will Preparation

A will is the cornerstone of any estate plan and can protect your assets and loved ones. Through an easy-to-use secure website, you and your spouse can now create and download a will in about 20 minutes. This service includes the following:

  • Step-by-step guidance and customization for your unique situation
  • Glossary of legal definitions
  • Ability to name an executor to carry out your wished and a guardian(s) to care for your children
  • Ability to create a living will (for additional fees)
  • Ability to create a final arrangements document (for an additional fee)

Claimant Support Services

Losing a loved one or becoming disabled can be overwhelming to say the least. With Claimant Support Services, you have access to no-cost, objective financial planning, legal information and emotional support, if you or your family member has filed a claim with us. You can receive the following:

  • Up to five telephonic professional counseling sessions per claim for legal, financial and emotional assistance
  • Assistance with topics such as inheritance taxes, loss of income, creditors and probate
  • Support dealing with trauma, loss and adjusting to a reduced quality of life, and other concerns.

To learn more about any of these additional benefits, visit the Sun Life website below.

Value Adds

Life Time Digital Fitness Flyer

Life Time Digital Fitness Flyer

EAP Flyer

EAP Flyer

My Health Rewards Program Flyer

My Health Rewards Program Flyer

Omada Flyer

Omada Flyer

Sanvello Flyer

Sanvello Flyer

Ovia Flyer

Ovia Flyer

Sun Life EAP Flyer

Sun Life EAP Flyer

Sun Life Travel & Identity Theft Flyer

Sun Life Travel & Identity Theft Flyer

Sun Life Will Prep and Claimant Support Flyer

Sun Life Will Prep and Claimant Support Flyer

Benefit Summaries

$2,500-$30-30% Copay Plan SBC

$2,500-$30-30% Copay Plan SBC

$3,300-25% HDHP SBC

$3,300-25% HDHP SBC

$5,500-0% HSA + Rx Copays HDHP SBC

$5,500-0% HSA + Rx Copays HDHP SBC

Dental Benefit Summary

Dental Benefit Summary

Vision Benefit Summary

Vision Benefit Summary

Life/AD&D Benefit Summary

Life/AD&D Benefit Summary

Voluntary Life/AD&D Benefit Summary

Voluntary Life/AD&D Benefit Summary

Short Term Disability Benefit Summary

Short Term Disability Benefit Summary

Long Term Disability Benefit Summary

Long Term Disability Benefit Summary

Plan Documents

$2,500 PPO Plan Certificate

$2,500 PPO Plan Certificate

$3,300 HSA Plan Certificate

$3,300 HSA Plan Certificate

$5,500 HSA Plan Certificate

$5,500 HSA Plan Certificate

Dental Plan Certificate

Dental Plan Certificate

Vision Plan Certificate

Vision Plan Certificate

Basic Life Certificate

Basic Life Certificate

Basic AD&D Certificate

Basic AD&D Certificate

Voluntary Life Certificate

Voluntary Life Certificate

Voluntary AD&D Certificate

Voluntary AD&D Certificate

Short Term Disability Certificate

Short Term Disability Certificate

Long Term Disability Certificate

Long Term Disability Certificate

Wrap SPD

Wrap SPD

Contact Us

As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Elevate Living's Intranet, Medica's Enrollment Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance enrolling in Kronos/UKG, please contact:

Client Contacts

AG

Ashley Gonzalez

agonzalez@elevateliving.com

952-373-5013

Annual Notices

Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

HIPAA Notice of Privacy Practices

HIPAA Notice of Privacy Practices

HIPAA Notice Special Enrollment Rights

HIPAA Notice Special Enrollment Rights

Newborns Mothers Health Protection Model Language

Newborns Mothers Health Protection Model Language

Notice of Exchange

Notice of Exchange

Notice of Availability of Reasonable Alternative Standard

Notice of Availability of Reasonable Alternative Standard

WHCRA Womens Health Cancer Rights Act Notice

WHCRA Womens Health Cancer Rights Act Notice