Who is eligible for benefits?
Regular full-time employees and employees working 30 hours per week or more are eligible to participate in the benefit plans.
Who are my legal dependents?
- Your legal spouse
- Your children (up to age 30) including natural, step, legally adopted/placed for adoption, and children for whom you serve as legal guardian
- Disabled dependent children (any age)
When does my coverage start?
Your coverage becomes effective on the 1st of the month following your date of hire.
Qualifying Life Events
You can modify your elections under certain circumstances, called qualifying life 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 life event during the year, you may make changes to your benefits within 30 days. Contact your HR Department as soon as possible to make changes to your benefits. If you miss this special enrollment window, you will have to wait until the next annual open enrollment.
How to Enroll
Benefit enrollment is managed through Rippling. Compare plans, see costs, and make your benefit selections - all from desktop or mobile. New hires and current employees will receive an email invitation from Rippling to complete enrollment.
Benefits Overview
- Medical Benefits: Cigna
- Base Plan: $5,000 Deductible
- Buy-Up Plan: $500 Deductible
- HSA Plan
- Dental Benefits: Cigna/Guardian
- Base Plan (Cigna)
- Buy-Up Plan (Guardian)
- Vision Benefits: Guardian
- Other Coverage: Guardian
- Basic Life and AD&D (Employer Paid & Voluntary Options)
- Short-Term Disability (Employer Paid)
- Long-Term Disability (Employer Paid)
- Additional Resources: Aflac
- Accident
- Critical Illness
- Identity Theft Protection
- Norton LifeLock
Understanding Your Benefits
Cigna Medical Benefits
Plan Options:
- Base Plan 5,000 Deductible
- Buy-Up Plan 500 Deductible
- HSA Plan
Features:
- Preventive services covered at 100% in-network; copays and deductibles do not apply.
- You pay less out of pocket if you receive care from an in-network provider.
- You do not need a referral to see a specialist.
Cigna Virtual Care
Cigna Healthcare has partnered with MDLIVE® to offer a comprehensive suite of convenient virtual care options - available by phone or video whenever it works for you.
- Primary Care | Preventive care, routine care and specialist referrals
- Behavioral Care | Talk therapy and psychiatry from the privacy of home
- Urgent Care | On-demand care for minor medical conditions
- Dermatology | Fast, customized care for skin, hair and nail conditions - no appointment required
Cigna Healthy Rewards
Flexible Spending Account
What is a Flexible Spending Account? A Flexible Spending Account (FSA) is a tax-advantaged savings account that you can use to pay for qualified medical, dental and vision expenses for yourself, your spouse, and dependents. Contributions to FSAs aren’t subject to federal income tax if used for eligible expenses. Unlike an HSA, you do not need to be enrolled in a high-deductible health plan (HDHP) to qualify for an FSA.
Do funds expire? Unspent FSA funds typically don't roll over, meaning any funds not used by the end of the plan year will be lost. However, your employer offers a carryover of $680 into the next plan year.
How much can I contribute? The maximum amount you can contribute this calendar year is $3,400.
Dependent Care FSA
What is a Dependent Care FSA? A Dependent Care Flexible Spending Account (DCFSA) is a tax-advantaged savings account that you can use to pay for qualified care expenses, such as daycare, before/after-school programs, or dependent adult care. Contributions to DCFSAs aren’t subject to federal income tax if used for eligible expenses.
Do funds expire? Unspent Dependent Care FSA funds do not roll over, meaning any funds not used by the end of the plan year will be lost.
How much can I contribute? The maximum amount you can contribute this calendar year is $7,500 (single or married filing jointly), or $3,750 (married filing separate).
Commuter Benefits
What are Commuter Benefits? Commuter benefits are optional benefits plans that allow employees to allocate pre-tax funds for eligible parking and transit expenses. You can enroll at any time during the year and choose to contribute to parking, transit, or both. However, transit contributions can only be used for eligible transit expenses, and parking contributions can only be used for eligible parking expenses.
How does it work? After you enroll in your company’s commuter benefits, you will receive a Rippling Flex benefits card, unless you already have one for other flex benefits. Rippling provides a single card for all flex benefits, including FSA, HSA, and commuter benefits. Therefore, if you are enrolled in an FSA or HSA in addition to commuter benefits, you will not receive separate cards for each benefit.
How much can I contribute? The IRS sets monthly contribution limits for pre-tax public transportation and pre-tax parking benefits. You can contribute above these levels if you want, however, any additional amounts will be considered a post-tax deduction. For 2026, you can contribute up to $340 for parking and $340 for transit. These amounts are not transferable between the two commuter benefit types.
Dental
Plan Options:
- Dental Base Plan (Cigna)
- Dental Buy-Up Plan (Guardian)
Vision
Full Feature - Designer B
Network: Davis
Eyes can give doctors a clear picture of overall wellness. That’s why vision care and 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
EAP
An Employee Assistance Program (EAP) is a free and confidential support benefit offered by your employer to help with handling everyday life challenges that can affect your well‑being, work, or family life.
- Confidential emotional support
- Work and lifestyle support
- Financial resources and legal guidance
Learn more about the resources available through the Guardian Employee Assistance Program.
Life Insurance
We believe we should offer our employees the opportunity to provide for their family's future rather than leaving it to chance. Life insurance can provide your dependents with a lifetime of financial security, and upon your death, can be used to pay off your debts - such as credit cards and your mortgage - or other expenses that could burden your family.
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.
This 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
This coverage pays a monthly benefit if you have a covered illness or injury and cannot work for a few months or longer.
You are generally considered disabled if you are unable to do important parts of your job - and your income suffers as a result.
Additional Resources
Identity Theft Protection
Norton offers a choice of 3 Identity Protection Options with LifeLock.
Protect your Identity!
Contacts
You have dedicated Agents ready to handle any situation in a discreet and confidential manner.
Contact us for service questions and needs such as:
- Understanding your medical, dental, or vision coverage
- Help finding in-network providers
- Assistance with prescription or pharmacy issues
- Questions regarding bills you receive from your doctor, hospital, dentist, optometrist, or lab
- Claims you believe haven’t been paid properly