OPEN ENROLLMENT REMINDER!
Open Enrollment is from March 11, 2026 through March 18, 2026. This is the time of year where you can elect new plans with CER Group NA. 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 April 2026:
- If you are currently covered by the Voluntary Life/AD&D, you may increase your benefit up to the guaranteed amount of $50,000 for the employee and $25,000 for your spouse with no evidence of insurability!
Eligibility
All FULL-TIME employees working at least 30 hours per week are eligible to participate in the benefit plans offered by CER Group NA. Newly hired employees will be eligible the 1st of the month following 30 days of full-time employment. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children.
Children are eligible for benefits as follows:
• Medical, Dental and Vision: Until the last day of the year in which the child turns 26
• Dependent Child Life Insurance & AD&D: Until the last day of the year in which the child turns 23, or 25 if the child is a full-time student
Should your employment with CER Group NA end, your coverage will end as of the date of termination.
Medical/Rx Plans Overview
Below is a high-level overview of your plan options and in-network benefit information:
You can view more details of these plans by accessing the benefit summaries provided below.
Health Savings Account (HSA)
The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The HMO HSA 3400 and the HMO HSA 6350 Medical Plans are qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
HSA IRS Maximums are as follows and are on a calendar year basis. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.
$4,400 for a single contract | $8,750 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
If you have an HSA with another bank or custodian, you can transfer your funds to the CER Group NA HSA's with Health Equity by completing this form.
Visit the Health Equity HSA page for more information by clicking HERE!
Dental Plans Overview
Dental Benefits through Guardian provide comprehensive coverage to help you and your family maintain good dental health. You can elect the PPO or DHMO plan. Your coverage will be greater if you go to an in-network provider if you select the PPO.
Vision Plan Overview
Below is a high-level overview of your plan and in-network benefits:
Life/AD&D
Group #00466517 | www.guardianlife.com/life-insurance
A sudden accident or death can leave you or your loved ones in a vulnerable position. CER Group NA provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of $25,000 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.
Voluntary Life
When you are first eligible (at hire) for Optional Life coverage, you may purchase up to the Guaranteed Issue (GI), $175,000 for yourself and up to $25,000 for your spouse, without providing proof of good health through the insurance provider’s EOI process.
During Open Enrollment:
- Current participants can increase Employee coverage by up to $50,000 and Spouse coverage by on level, not to exceed the $25,000 GI, without proof of good health. Any amount above these increase levels will be subject to medical underwriting.
- Non-participants will have to provide proof of good health for any dollar amount.
If you elect optional life coverage, and are required to complete EOI form, it is your responsibility to complete the form and to submit it to Guardian within 30 days of your election.
Accidental Death and Dismemberment
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
Group #00466517 | www.guardianlife.com/life-insurance
CER Group NA provides Voluntary Short & Long-Term Disability benefits!
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.
Wellbeing
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 CER Group NA, 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 button below.
