Table of Content
- Header
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2026 Employee Benefits
- Welcome
- Eligibility
- Enrollment
- Completing Your Benefit Enrollment
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Medical & Prescription Drug Benefits
- Medical Overview
- Prescription Drug Coverage
- Find a Provider
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Employee Programs
- Employee Assistance Program (EAP)
- Health Advocacy
- Online Mental Health
- Telemedicine
- Health Savings Account (HSA)
- Flexible Spending Account (FSA)
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Dental
- Dental Overview
- Finding a Delta Dental Dentist
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Vision
- Vision Overview
- Find a Provider
- Voluntary Benefits
- Life and Accidental Death and Dismemberment
- Long-Term and Short-Term Disability
- 401(k) Profit Sharing Plan
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Additional Benefits
- IDShield — Identity Theft Protection
- LegalShield — Legal Assistance
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Benefit Summaries
- Medical
- Dental
- Vision
- Voluntary Benefits
- Life and AD&D
- Disability
- Contact Us
- Required Notices
- Footer
Eligibility
All regular full-time and regular part-time employees working 30 hours or more per week are eligible for benefits on the first of the month following date of hire. Employees are eligible for the following benefits in the chart below. If you have any questions regarding eligibility, benefit plans or enrollment periods or would like additional information, contact fccibenefits@fcci-group.com.
Dependent Eligibility
You can enroll your dependents in plans that offer dependent coverage. Eligible dependents are defined as your legal spouse and eligible children who reside in your household and depend primarily on you for support. This includes: your own children, legally adopted children, stepchildren, a child for whom you have been appointed legal guardian, and/or a child for whom the court has issued a Qualified Medical Child Support Order (QMCSO) requiring you or your spouse to provide coverage.
Medical, Dental, and Vision Plan Dependent Coverage
You may cover your eligible dependent children up to age 26, regardless of marital or student status (this does not include spouses of adult children). Dependent coverage will cease for your covered dependent children at the end of the month in which an eligible dependent reaches age 26.
Some benefits are provided to you at no cost. The cost of other benefits, such as medical, dental, and vision are shared by you and FCCI. Additional voluntary benefits are paid for by you at discounted group rates. Having benefit options available means you can build a benefits program that meets your needs and your lifestyle.
Making Changes During the Year
Choose your benefits carefully. Medical, dental, vision, and flexible spending account contributions are made on a pre-tax basis and IRS regulations state that you cannot change your pre-tax benefit options during the year unless you have a qualified life event. Qualified life events include:
• Marriage or divorce;
• Death of your spouse or dependent;
• Birth or adoption of a child;
• Your spouse terminating or obtaining new employment (that affects eligibility for coverage); You or your spouse switching employment status from
full-time to part-time or vice versa (that affects eligibility for coverage); Significant cost or coverage changes; or
• Your dependent no longer qualifies as an eligible dependent.
You must submit a life event in UKG and upload supporting documentation of the event within 30 calendar days of the event. Only benefit changes
which are consistent with the qualified life event are permitted.
Enrollment
Enrollment Periods
New Employees
As a new employee of FCCI, you become eligible for benefits on the first of the month following date of hire. Our benefits plan year runs from January 1st through December 31st.
Open Enrollment
As a benefits-eligible employee, you have the opportunity to enroll in or make changes to your benefit plans during our annual Open Enrollment period.
Annual Open Enrollment is held in November with benefit elections effective January 1st of the following year.
Medical & Prescription Drug Benefits
Medical Benefits
FCCI seeks to provide the best possible medical benefits at a reasonable cost. Employees are provided with two medical plan options that include
prescription drug coverage.
PLAN CHOICES
- HDHP/HSA Plan $3,400 Individual Deductible /$5,000 Family Deductible
- PPO Plan $1,500 Individual Deductible /$3,000 Family Deductible
Refer to the Summary of Benefits Coverage (SBC) in the "Benefit Summaries" section below or the Summary Plan Description (SPD) for additional coverage information.
Employee Assistance Program (EAP)
Website: www.guidanceresources.com
Access Code: GRS311
Health Advocacy
Employees have access to their own “Personal Health Advocate.” This program will aid in uncovering medical billing errors, resolving claims issues, finding the best doctors and hospitals, transferring health records, and obtaining services for your elderly parents. The program also offers assistance when faced with serious illness or injury- explaining health diagnoses and assisting with arranging 2nd opinion.
Find more information at HealthAdvocate.com/FCCIServices | Registration Code: YFQDJD5, email answers@HealthAdvocate.com, or call 1-866-695-8622
Online Mental Health
Something on your mind? Message a dedicated therapist anytime, anywhere with Talkspace online therapy. You can regularly communicate with a therapist, safely and securely from your phone or desktop. No office visit required. Simply register (first visit only) and choose a provider and message anywhere, anytime at talkspace.com/connect. After you register, download the Talkspace app on your mobile phone.
Telemedicine
Talk to a doctor anytime, anywhere by phone or video. Create an account by phone, app or website to talk to a U.S.-licensed physician for non-emergency medical conditions like the flu, sinus infections, bronchitis, and much more. Visit Teladoc.com, Call 1-800-TELADOC or download the app.
Health Savings Account (HSA)
Phone: 1-800-826-9781 | www.hsabank.com
An HSA is a tax-advantaged account available to those enrolled in the HDHP, and it is funded by you and FCCI. This account can be used to pay for qualified out-of-pocket expenses that you or your dependents incur for medical care. Here are a few other features:
• FCCI makes a generous annual contribution to your account and you have the option to contribute your own pre-tax dollars through bi-weekly payroll deductions.
• HSA funds can be used for your spouse and dependent children, even if they are not covered under your medical plan.
• If HSA funds are used for eligible expenses (medical, rx, dental, and vision) withdrawals are tax free. After age 65, HSA funds can be used for any purpose penalty free (subject to income tax).
•Unused funds can be rolled over and added to your balance for the next year
•Unused funds are yours to keep even if you leave FCCI.
• HSA funds can be invested through HSA Invest once you have over $1,000 in your account, adding another tool to that retirement toolbox!
*FCCI Contribution amount is based on January 1st effective date and are deposited with the first payroll of the year. You must be an active employee on the date of the contribution to receive. Contributions will be pro-rated for mid-year enrollments and will be deposited with the first payroll following your benefit effective date and enrollment
**Allowed $1,000.00 Catch-Up for employees 55 or older (includes year turning 55).
***NOTE: Amounts change yearly per IRS guidelines.
Flexible Spending Account (FSA)
FSAs help you save money by allowing you to pay for certain types of health care and dependent care expenses on a pre-tax basis. You decide how much money to put aside each payday to cover these expenses up to the maximum. This amount is then deducted from your pay before taxes and deposited into your FSA. When you need money to cover an eligible expense, you can get reimbursed using a variety of reimbursement methods. Remember to always keep your receipts.
Important: Use It or Lose It!
Be sure to calculate your FSA contributions carefully. These funds do not roll over from year-to-year, and you must actively enroll on a yearly basis. You are not automatically re-enrolled.
According to IRS rules, any money remaining in a Health Care or Dependent Care Spending Account after the deadline for filing claims will be forfeited. If you have money left in your Health Care FSA at the end of 2024, you may carry over up to $660 for use in 2025. The money you carry over doesn’t count against the IRS annual contribution maximum, which means you can start the year with an amount greater than the IRS limit in your Health Care FSA. You can use the amount throughout the 2025 plan year. This rule applies each subsequent calendar year. This does not apply to the Dependent Care FSA.
Dental
Group #1489 | 800-521-2651 | deltadentalins.com
Dental coverage is key to your overall health. FCCI offers employees three dental plan options through Delta Dental. Review the details about each plan carefully so you can determine which plan meets your needs. Your dental plans offer choices that cover four main types of expenses:
• Preventive and diagnostic services like routine exams and cleanings, fluoride treatments, sealants, and x-rays
• Basic services such as simple fillings and extractions, root canals, oral surgery, and gum disease treatment
• Major services such as crowns and dentures
• Orthodontia
Please refer to your dental benefit summary below in the "Benefit Summaries" section, for an entire list of covered services, limitations and frequencies.
Delta Dental Overview
Vision
Basic Vision Group #9805862 / Buy-Up Vision Group#1003678 | 800-521-2651 | www.eyemedvisoncare.com
FCCI offers employees two vision plans through EyeMed that includes coverage for eye exams and eyeglasses or contact lenses.
Please refer to your vision benefit summary below in the "Benefit Summaries" section, for an entire list of covered services, limitations and frequencies.
Vision Benefits
Vision Benefits Overview
Voluntary Benefits
Critical Illness Insurance — UHC
Critical Illness Insurance is designed to protect your income and personal assets when your out-of-pocket expenses increase as a result of an illness. Health insurance is not always enough to cover all of the unforeseen expenses associated with a serious medical condition like a heart attack or cancer. Critical Illness Insurance pays a lump sum benefit that can be used any way you choose, and benefits are paid in addition to any other insurance coverage you may have.
Plan Features
• You do not have to be terminally ill to receive benefits.
• Coverage options are available for your spouse and children as riders to your coverage.
• Coverage is portable — you can take your policy with you if you change jobs or retire.
NOTE: The policy/certificate of coverage has exclusions and limitations which may affect any benefits payable.
Accident Insurance — UHC
You don’t have to be especially clumsy to experience accidents. These events are all too common, and so are the high medical expenses that come with them. Accidents are unplanned and unpredictable, but the financial impact that they have on you doesn’t have to be either of those things. Voluntary Accident Insurance pays direct benefits for a range of injuries and accident-related expenses such as:
• Fractures
• Dislocations
• Concussion
• Emergency Room Treatment
• Hospitalization
• Accidental Death
Benefit amounts are based on the type of injury and treatment needed. No matter how great your medical plan is, you will have to share the costs of medical care and rehabilitation that follow an accident. Accident Insurance is designed to help you pay for out-of-pocket expenses that insurance doesn’t cover, like copays and deductibles, but the benefit payout can be used however you’d like.
Plan Features
No health questions or physical exams are required for enrolling yourself, your spouse or your children in the plan. If you retire or leave FCCI, the plan also offers the option for portability.
NOTE: The policy/certificate of coverage or its provisions may vary or be unavailable in some states. The policy/certificate of coverage has exclusions and limitations which may affect any benefits payable.
Hospital Indemnity Insurance — UHC
If you’ve ever been in the hospital, you know that it may be difficult to focus on your recovery. You’d rather be in your own bed, eating your own food, and your family might be spending a ton of money to stay at a hotel near you. The last thing you want to think about is the bill you will receive after your insurance company covers its portion of your hospital stay. Since out-of-pocket costs including deductibles and coinsurance can build quickly, the bills that result from a hospital stay can be overwhelming for anyone — with or without Medical Insurance. Hospital Indemnity Insurance can help to ease the sticker shock by paying a benefit directly to you (not to the hospital, or to an insurance company) if you or a covered family member has to stay in the hospital. Includes benefits such as:
• Hospital/ICU Admission — $1,000
• Hospital/ICU Confinement — $150 per day
Plan Features
Employees who are newly eligible are able to enroll without answering medical questions, meaning acceptance is guaranteed. The plan includes coverage options for spouses and children, and can be taken with you if you leave FCCI or retire.
NOTE: The policy/certificate of coverage or its provisions may vary or be unavailable in some states. The policy/certificate of coverage has exclusions and limitations, which may affect any benefits payable. The benefits explained in the example above are for illustrative purposes only. Please see your Summary Plan Description (SPD) for complete details.
NOTE: If you elect coverage for your dependent children, you must provide notification to your employer when all of your dependent children exceed the dependent child age limit or no longer otherwise meet the definition of a dependent child. If you elect coverage for your spouse, you must provide notification to your employer if your spouse no longer meets the definition of a spouse.
NOTE: These plans are not a replacement for medical insurance.
The benefits are paid directly to you, allowing you to use the funds however you choose. You receive the full benefit even if you have other insurance. FCCI offers critical illness insurance, accident insurance, and hospital indemnity insurance.* Please note: These plans are not replacements for medical insurance.
NOTE: $50 Annual Wellness Benefit included with Critical Illness, Accident and Hospital Indemnity coverage.
Life and Accidental Death and Dismemberment
Group#72365
Life and AD&D Phone: 877-FOR-PRU1 (877-367-7781)
Basic Life & Accidental Death & Dismemberment (AD&D)
FCCI provides you with Basic Life Insurance and AD&D coverage at 2x basic annual earnings rounded to the next thousand, up to $700,000 maximum. It is important to designate a beneficiary in UKG for your Basic Life and AD&D policy. If you have not done so already, please add at least one primary beneficiary.
Dependent Life/Accidental Death & Dismemberment (AD&D)
You can purchase Dependent Life and Accidental Death and Dismemberment coverage for your family. You can elect $10,000 for spouse coverage and $5,000 coverage on each child up to the age of 26 for a bi-weekly cost of $1.47 for all covered family members.
Long-Term and Short-Term Disability
Group#72365
Short Term and Long Term Disability Phone: 1-800- 877-5176
Short-Term Disability (STD)
FCCI provides you with STD benefits for a qualified non-work related illness or injury that prevents you from working for a period longer than 7 days at no cost to you. Refer to table below:
Long-Term Disability (LTD)
FCCI provides, at no cost to you, LTD Insurance which pays a monthly benefit in the event you cannot work because of a long-term illness or injury. LTD benefits provide you with 60% of your monthly salary, up to a $14,000 monthly maximum after 90 consecutive days of a qualified non-work related illness or injury. Benefits end upon recovery or at normal Social Security age (whichever comes first).
401(k) Profit Sharing Plan
Employee Eligibility
• Effective with one hour of service.
• Pre-Tax and Roth (After-Tax) Deferrals available.
Auto Enrollment/Auto Increases
• The FCCI 401(k) plan features automatic enrollment and automatic increase. Upon hire, you will be set up to contribute 8% of your earnings, invested in the Target Retirement Fund closest to your retirement date. Your contribution and/or investment funds elections carry over from the previous calendar year.
• 1% increase each year, up to 15% of your salary.
NOTE: If you choose to change your initial contribution and/or investment funds you must do so online
8 days prior to your 3rd payroll check. Thereafter, changes can be made at any time.
2026 Employee Contributions*
• You may contribute up to the IRS limit annual.
• Age 50+ can make an additional catch-up contribution.
• Age 60 - 63 can make an additional super-catch up contribution in place of the catch-up contribution.
*If you contributed to another 401(k) plan this year, it is your responsibility to ensure your total annual contributions don’t exceed the IRS annual maximum.
Note: In 2026, if you earned more than $145K in the previous year with FCCI, catch-up contributions must be Roth
Company Match (Discretionary)
• 50% of your contribution up to 8% of your eligible earnings.
Profit Sharing
• At the company’s discretion, profit sharing is awarded in March for prior year.
Plan Vesting
• Employer contributions (match and profit sharing) are subject to vesting.
- You will be vested upon 3 years (1,000 hours/yr) of service.
• Employee salary deferrals are always 100% vested.
Beneficiaries – Must be completed online at Vanguard - retirementplans.vanguard.com
Additional Benefits
Additional Voluntary Benefits are offered to FCCI employees to help with identity theft and legal services. Below you can find the prices for each plan.
IDShield — Identity Theft Protection
IDShield is an identity theft protection service that includes:
• Continuous Credit Monitoring
• High Risk Application Transaction Monitoring
• Dark Web Monitoring
• Username/Password (Credential Monitoring)
• Identity Threat & Credit Threat Alerts
• Unlimited Consultation on any cyber security issue
• Full-Service Restoration of your identity to pre-theft status
• 24/7 Emergency Access
LegalShield — Legal Assistance
LegalShield membership allows direct access to a dedicated law firm that provides legal advice/consultation. They provide a variety of services
including:
• Contract and Document review
• Will Preparation
• Moving Traffic Violation consultation
• IRS Audit Assistance
• Trial Defense
• 25% Preferred Member Discount for bankruptcy, criminal charges, DUI, and others
• 24/7 Emergency Access
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