Brunswick Companies

Table of Content

  1. Header
  2. Page
    1. Plan Highlights
    2. Health Savings Account
    3. Eligibility & Qualifying Life Events
    4. Dental - Value Plan - Guardian
    5. Dental - NAP Plan - Guardian
    6. Vision - Guardian
    7. Basic Life and AD&D - Guardian
    8. Voluntary Life and AD&D - Guardian
    9. Voluntary LTD - Guardian
    10. Retirement - Fidelity
    11. Contact Us
    12. My Extras
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Plan Highlights

Dental - Provided though Guardian

Plan 1 - Value Plan - Single Deductible - $50 / Family Deductible - $100 - 100%/100%/60%

Plan 1 - NAP Plan - Single Deductible - $50 / Family Deductible - $100 - 100%/80%/50%

Vision - Provided though Guardian

VSP Choice Network with $10 exam copay

Basic Life and AD&D - Provided though Guardian

100% Employer Paid - Provides 1x base annual earnings up to $50,000

Voluntary Life and AD&D - Provided though Guardian

100% Employee Paid - Up to the lesser of 5x your salary in $10,000 increments up to $500,000

Voluntary LTD (Long Term Disability) - Provided though Guardian

100% Employee Paid - Covers 60% of your monthly income, up to $10,000 to age 70

Health Savings Account

Understanding an HSA

Understanding an HSA

Available only with Medical - Plan 1 - HSA 3000 Plan

A Health Savings Account (HSA) is a tax-free savings account is owned by you, is 100% vested from day one, and let’s 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 have and HSA you must meet several basic qualifications.

  • To be eligible to open and contribute to an HSA, you must have coverage under a qualified High Deductible Health Plan (HDHP).
  • Participants cannot be covered by any other health insurance plan that is a non-HDHP with a HSA, i.e., cannot be enrolled in spouses plan that is a PPO (this exclusion does not apply to certain other types of insurance, such as dental, vision, disability or long-term care coverage).
  • Participants cannot participate in a Healthcare FSA or spouse/domestic partner’s Healthcare FSA or Health Reimbursement Account (HRA).
  • Participants cannot be enrolled in Medicare or Medicaid.
  • You cannot be eligible to be claimed as a dependent on someone else’s tax return.
  • You have not received Department of Veterans Affairs Medical benefits in the past 90 days, unless the Veteran has a disability rating. (There may be additional special circumstances, check with your tax preparer).

Each year the IRS places a limit on the maximum contribution amount that can be added to your HSA account. For 2025 the contribution limits are,

  • Employee Only - $4,300
  • Two-Person/Family - $8,500

For a full list of qualified expenses, use the link below to access IRS Publication 502.

Eligibility & Qualifying Life Events

Full-Time Employees

*You are eligible for medical benefits if you are full-time working a minimum of 30 hours per week.

*You are eligible for voluntary benefits if you are working a minimum of 20 hours per week.

*Employees are eligible for benefits on the date of hire.

 

EMPLOYEE ELIGIBILITY: If you do not enroll during the Open Enrollment period, you must wait until the next Open Enrollment period unless you experience a Qualifying Life Event. If you experience a Qualifying Life Event (i.e., birth or adoption of a child, marriage, divorce, loss of other coverage, etc.) you must enroll within 30 days of the Qualifying Event.

 

DEPENDENT ELIGIBILITY: You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.

  • Your Legal Spouse
  • Your Dependent Children: Children are eligible for medical, dental and vision up to the last day of the calendar year the child turns 26. Child life insurance is effective until the last day of the month the child turns 26.

 

What is a Qualifying Life Event?

  • Marriage
  • Divorce
  • Birth/Adoption of a child
  • Death of a spouse or other enrolled dependent
  • Change in spouse’s benefits or employment status
  • A dependent becomes eligible for Medicare or Medicaid

 

If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.

Dental - Value Plan - Guardian

Value Plan:

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

IN NETWORK - DentalGuard Pref - Ohio:

DEDUCTIBLE:

  • Single Deductible - $50
  • Family Deductible - $150

*Deductible applies when receiving Basic or Major services (Waived for Preventive Services)

CLASS I: - Covered at 100% (deductible waived)

Diagnostic and Preventive Services - Oral Exams, Cleanings, Bitewing and Full Mouth X-Rays, Sealants (per tooth).

CLASS II: - Covered at 100% (deductible waived)

Basic Services - Fillings (one surgace), General Anesthesia

CLASS III: - Covered at 60% (deductible applies)

Major Services - Scaling & Root Planing (per quadrant), Dentures, Single Crowns, Simple Extractions

ANNUAL MAXIMUM:

Calendar Year Maximum (Allowed per Benefit Period) - $1,000 per covered individual

EMPLOYEE CONTRIBUTION - PER PAY:

Employee - $17.84

Employee+Spouse - $43.26

Employee+Child(ren) - $51.90

Family - $78.99

Provider Lookup

Find a Dentist

Provider Lookup

Find a Dentist

Guardian Dental Summary Ortho

Guardian Dental Summary Ortho

Dental - NAP Plan - Guardian

NAP Plan:

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

IN NETWORK - DentalGuard Pref NAP - Ohio:

DEDUCTIBLE:

  • Single Deductible - $50
  • Family Deductible - $150

*Deductible applies when receiving Basic or Major services (Waived for Preventive Services)

CLASS I: - Covered at 100% (deductible waived)

Diagnostic and Preventive Services - Oral Exams, Cleanings, Bitewing and Full Mouth X-Rays, Sealants (per tooth).

CLASS II: - Covered at 80% (deductible waived)

Basic Services - Fillings (one surgace), General Anesthesia

CLASS III: - Covered at 50% (deductible applies)

Major Services - Scaling & Root Planing (per quadrant), Dentures, Single Crowns, Simple Extractions

ANNUAL MAXIMUM:

Calendar Year Maximum (Allowed per Benefit Period) - $1,000 per covered individual

EMPLOYEE CONTRIBUTION - PER PAY:

Employee - $17.84

Employee+Spouse - $43.26

Employee+Child(ren) - $51.90

Family - $78.99

Provider Lookup

Find a Dentist

Provider Lookup

Find a Dentist

Guardian Dental Summary Ortho

Guardian Dental Summary Ortho

Vision - Guardian

Under this plan, you may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement.

IN NETWORK - VSP Choice Network:

Vision Exam (with dilation as necessary) - $10

Materials (waived for conventional and planned replacement contact lenses) - Up to $25

COVERED SERVICES – LENSES / FRAMES

Single Lenses - $25

Bifocals - $25

Trifocals - $25

Lenticular - $25

Frame Allowance - Up to $130, then 20%

COVERED SERVICES - CONTACT LENSES

Contact Lenses - Up to $130

Contact Lens Fitting - 15% off

BENEFIT FREQUENCY

Exams - Once every 12 months

Lenses or Contact Lenses - Once every 12 months

Frames - Once every 24 months

EMPLOYEE CONTRIBUTION - PER PAY:

Employee - $4.83

Employee+Spouse - $8.38

Employee+Child(ren) - $8.52

Family - $12.92

Provider Lookup

Find an Eye Doctor

Provider Lookup

Find an Eye Doctor

Vision Summary of Benefits

Guardian

Vision Summary of Benefits

Guardian

Basic Life and AD&D - Guardian

Basic Life and AD&D Summary of Benefits

Guardian

Basic Life and AD&D Summary of Benefits

Guardian

Guardian will continue to provide your Life and AD&D benefits with no plan changes.

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. 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.

Your Basic Life Benefit

  • 100% company paid benefit, no cost to you
  • Brunswick Companies provides 1x base annual earnings up to $50,000
  • Portable: Continue your term insurance if your employment ends
  • Convertible: To individual life policy when coverage ends under the plan

*Please see attached Benefit Summary for more complete plan details*

Voluntary Life and AD&D - Guardian

Guardian will continue to provide your Voluntary Life and AD&D benefits with no plan changes.

Employees have the opportunity to enroll in Supplemental Life insurance. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage. Coverage is also available for your spouse and/or child dependents. It is typically required that you elect coverage for yourself in order to be eligible for coverage on your dependents.

Your Voluntary Life Benefit

  • Available to active full-time employees
  • 100% employee paid benefit
  • Up to the lesser of 5x your salary in $10,000 increments up to $500,000
  • Spouses and children may also be eligible

It is important to name your beneficiary. A beneficiary is the person who will receive your life insurance benefit in the event of your death. You should review your beneficiary elections on a regular basis to ensure they are updated as life changes.  

*Please see attached Benefit Summary for more complete plan details*

Voluntary Life Benefit Summary

Guardian

Voluntary Life Benefit Summary

Guardian

Voluntary LTD - Guardian

Voluntary LTD (Long Term Disability)

Guardian

Voluntary LTD (Long Term Disability)

Guardian

Guardian will continue to provide your Long-Term Disability benefits with no plan changes.

Long-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 Long-Term Disability Benefit:

  • 100% employee paid benefit
  • Payments last to age 70 (ADEA)
  • Covers 60% of your monthly income, up to $10,000
  • Benefit begins after 90 days for both Accident and Illness.

*Please see attached Benefit Summary for more complete plan details*

Retirement - Fidelity

For questions regarding the Fidelity Retirement Plan, please contact:


Lew Patrick

330-865-4207

lpatrick@brunswickcompanies.com

Retirement - Fidelity

Retirement - Fidelity

Contact Us

Human Resource Department

Client Contacts

LP

Lew Patrick

lpatrick@brunswickcompanies.com

(330) 864-8800

TS

Todd Stein

tstein@brunswickcompanies.com

330-864-8800

Account Team Contacts

ContactImage

Kevin Lurie

Producer / Sales Consultant

kevin.lurie@nfp.com

216-410-6751

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