Introduction
Helping you and your family reach and maintain good health is very important. 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.
How To Enroll
Remember: The benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
You can, however, modify your elections under certain circumstances, called "Qualifying 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 or 60 days if the event is due to birth or adoption of a child. Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
- If you'd like to change your existing coverage or make new elections, you must do so by September 9, 2023. Your current medical, dental and vision elections will carry forward to the new plan year if you don't make a new election.
- To participate in a Flexible Spending Account in 2023, you must make an active election, even if you're already participating in 2022.
To enroll in SmartBen, go online from your desktop, tablet, or smartphone browser to the benefit portal.
Benefits Overview
- Read about what is new for 2023
- Review all your benefits plans, options, and rates for 2023
Medical
Crest Foods offers you three medical plan options through Blue Cross Blue Shield of Oklahoma (BCBSOK): the $3,000 Deductible Plan, the $1,500 Deductible Plan, and the $1,000 Deductible Plan. All three of our plans cover in-network preventative care services at 100% and provide coverage both inside and outside of the BCBSOK network
Everyone's needs change over time, so it's important to review your medical plan options each year. While the plans are similar in some ways, each has its own features when it comes to how much you pay out of pocket for medical and prescription expenses. It's important to review the medical plan comparison chart in your guide to see how each plan covers different types of services.
Dental
Our dental plan provides comprehensive coverage to help you and your family maintain good dental health. Review the plans below to see some of the key features of the Ameritas Low and High dental plans. Note that the High Plan includes orthodontia coverage for children AND adults.
Vision
The Ameritas vision plan provides you and your family with quality vision benefits and materials like glasses and contacts at an affordable cost. You can visit any licensed vision VSP Network specialist and receive coverage, but your benefit dollars will go further when you stay in network.
Life & AD&D
Employer-Paid Basic Life and Accidental Death & Dismemberment (AD&D)
Crest Foods provides eligible employees with company-paid basic life and AD&D insurance. The benefit is a flat amount based on your eligibility class. In addition to the life insurance benefit, an additional Accidental Death & Dismemberment benefit is payable in the event of death, loss of limbs or loss of eye sight, speech or hearing as the result of an accident.
Voluntary Life and (AD&D)
In addition to the company-paid life and AD&D benefit that Crest Foods provides, you have the option to purchase additional coverage under the Voluntary Life and AD&D plan. You must purchase coverage for yourself in order to purchase coverage for your dependents.
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.
Long Term Disability
Serious illnesses or accidents can interrupt your life, and your ability to work for months - even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.
Voluntary Benefits
We provide 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 employees. Additional benefits include:
- Accident Care
- Critical Illness
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 Crest, 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.
Contact Us
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 the Human Resources department.
Account Team Contacts
Jill Zamudio
Account Manager
jill.zamudio@nfp.com
405-513-8965