Table of Content
- Header
-
Page
- Intro
- Overview
- Enrollment
- Election Changes
- Medical
- FSA
- FSA Video
- Health Care FSA
- How an FSA Works
- HSA
- HSA Video
- How an HSA Works
- TRA
- TRA Video
- TRA Online Account
- LSA
- LSA Online Account
- Dental
- Vision
- Basic Life/AD&D
- Voluntary Life
- Short Term Disability
- Long Term Disability
- Additional Resources
- Contact Us
- Footer
Message from Human Resources
Longevity Holdings is pleased to offer an extensive selection of benefits designed with your health and financial wellbeing in mind. We review our benefit program each year to ensure our offerings provide the best combination of benefit coverage, network access and affordability.
Eligibility
If you are a new employee benefits are effective on your date of hire. If you are an existing employee and previously waived any benefits, you have the option during Open Enrollment to enroll or make benefit changes and add or drop dependent coverage without having a qualifying event.
FULL-TIME: You are eligible for all benefits if you are an employee working at least 30 hours a week
OPEN ENROLLMENT EDUCATION SESSION:
Join us for the online "live" webinar below to learn more about our 2025 benefits programs. This meeting will be approximately 60 minutes with time for Q&A.
Monday November 11th
Time: 9:00am - 10:00am (CT) - MN Employees
Time: 12:00am - 1:00pm (CT) - Employees outside of MN
Ready to join?
Please use the Outlook invitation that was sent to you. Please contact Human Resources if you would like it resent.
Overview of 2025 Benefit Changes
Longevity Holdings recognizes the importance of being able to provide our employees and their families with quality benefits as part of their overall compensation package. Please review the materials on this landing page for details on your benefit plan offerings.
Below are some highlights of the upcoming 2025 changes to your employee benefits:
- Medical Plan - The $3,200 HDHP plan is changing to a $3,300 HDHP Plan in order to keep the embedded deductible feature per IRS limits (individual limit within a family deductible)
- Health Savings Accounts - The maximum contribution limit is increasing to $4,300 (Single) and $8,550 (all other tiers)
- Medical Flexible Spending Accounts - The maximum contribution limit is increasing to $3,300
This landing page highlights the benefit options offered by Longevity Holdings Inc for January 1, 2025, to December 31, 2025.
Your Employee Benefit Guide and this web page provides general information as an overview. If there is any discrepancy between the insurance carrier's certificate of coverage or summary plan description and this web page or Benefit Guide, the insurance plan documents will prevail. If you have any questions, contact Human Resources.
Please utilize the attached benefit guide to review your benefit options during open enrollment.
How To Enroll In Benefits
Benefits enrollment is through the Dayforce Enrollment System. No paper enrollments are required.
Online enrollment with Dayforce is simple and can be done in a few minutes from any computer with internet access. You will be sent an email by the Human Resources department to start your enrollment process.
Election Changes
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.
Medical Insurance
Administered by HealthPartners
Longevity Holdings offers three medical plan options for Full-time employees. All options provide high-quality, affordable medical care, including preventive care, doctor's visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. The plans are offered through HealthPartners.
PLAN CHOICES
$25 Copay Plan
$1,500 Deductible Plan
$3,300 H.S.A. Plan
NETWORK CHOICES
Open Access: In this network you have access to the largest selection of providers in Minnesota and outside of Minnesota
Select Network: The Select network includes all HealthPartners and Park Nicollet clinics. This network option is ideal for those who live in the Twin Cities metro area
.
Click on one of the below links to in-network providers.
Refer to your Employee Benefits Guide or to the HealthPartners Plan Summaries for additional coverage information.
Flexible Spending Account
Administered By WexHealth
The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.
Eligibility
Full-time: Health Care FSA, Limited Health Care FSA, and/or Dependent Care FSA
Contributions
The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.
Curious about Flexible Spending Accounts (FSAs)?
Watch this informative video and learn how an FSA account works to benefit you.
Discover the various ways you can contribute:
Health Care FSA
- Up to $3,300 annually
- All benefit eligible can participate, unless you or your spouse are contributing to an HSA
- Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses
Limited Health Care FSA with an HSA
- Up to $3,300 annually
- Only participants who contribute to an HSA are eligible
- Reimbursements are limited to unreimbursed dental and vision expenses only
Dependent Care FSA
- Up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
How the Plan Works
You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.
Ready to take the next step?
Log in or create an account online by clicking on the Wex logo below.
Health Spending Account
Administered By WexHealth
Health savings accounts (HSA’s) are a tax-advantaged savings account paired with a high deductible health plan exclusively for the purpose of paying qualified medical, dental and vision expenses for you, your spouse and your dependents. Or use as a retirement tool.
Eligibility
If you are a full-time employee, you can participate in a Health Savings Account (HSA) and must be enrolled in the $3,300 HSA Plan.
2025 Annual Maximum Contribution
Employee Only: $4,300
All other tiers: $8,300
If you are between the ages of 55-65, you can also make an additional $1,000 “catch-up” contribution annually.
Want to learn more about the benefits of a Health Savings Account (HSA)
Watch this informative video and learn how an HSA account works to benefit you and your future.
How The Plan Works
At enrollment, you select how much money you want deducted from each paycheck (26) on a pre-tax basis to meet your medical needs. Keep in mind you’re not locked in to
that decision and can change your contribution amount at any time.
Ready to take the next step?
Log in or create an account online by clicking on the Wex logo below.
Transportation Reimbursement Account (TRA)
Administered By WexHealth
A transportation reimbursement account (TRA) is a personal expense account that allows you to set aside a portion of your salary pretax reducing your taxable income. You can use that money to pay for transportation and parking expenses related to commuting to and from work.
You decide monthly how much to contribute to pay for work-related commuting expenses. The amount you select is withheld pretax from your pay in equal portions throughout the month and put into your TRA. Unused money from your TRA will roll over from month to month. The IRS places limits on how much you can save for transportation tax free. This is the most you can withhold from your check.
2025 TRA Contribution Limits:
Qualified Parking: $325 (projected)
Public Transportation and vanpools: $325 (projected)
Want to learn more about the benefits of a Transportation Reimbursement Account (TRA)
Watch this informative video and learn how an TRA account works to make your commute a little less stressful and more affordable.
Ready to take the next step?
Log in or create an account online by clicking on the Wex logo below.
Lifestyle Spending Account (LSA)
Administered By WexHealth
Longevity Holdings LSA sets aside money for you to use on professional and personal improvement.
Please review the attached brochure for more details about how this account works. Refer to your employee benefit guide for examples of reimbursable expenses.
Ready to take the next step?
Log in or create an account online by clicking on the Wex logo below.
Dental
Dental insurance is available to Full-time employees.
Good oral care enhances overall physical health, appearance and mental well-being. Problems with the teeth and gums are common and easily treated health problems. Keep your teeth healthy and your smile bright with the Longevity Holding's dental benefit plan through UNUM.
Vision
Vision insurance is available to Full-time employees.
Vision coverage is important because regular eye examinations not only determine if you need corrective eye wear, but also may detect general health problems in their earliest stages.
For more information on the benefits click on the links to view the benefit summary.
Basic Life/AD&D
Longevity Holdings provides Full-time eligible employees with basic term life and accidental death and dismemberment (AD&D) coverage at no cost to you.
The life benefit is payable to your designated beneficiary in the event of your death equal to 1x annual salary to a $250,000 maximum. The minimum Life benefit amount is $50,000. AD&D benefits are payable to you in the event of a dismemberment or an additional benefit is payable to your beneficiary if your death is the result of an accident.
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.
Voluntary Life
Voluntary Life Insurance with UNUM can help your loved ones with financial needs after your death during the specified period of your coverage. In addition to day-to-day expenses,
Employee coverage is available in $10,000 increments to $300,000 up to 5X your earnings, Employee guarantee issue is $100,000.
Spouse coverage is available in $5,000 increments with a maximum of $100,000, Spouse guarantee issue is $25,000.
Child coverage amount starts at $1,000 for live birth to 6 months and then increases to amounts in $2,000 increments for 6 months up to 26 years, with a maximum of $10,000.
Employee and Spouse benefits reduce to 65% of original amount at age 70 and 50% of original amount at age 75.
If you are a new hire you can enroll without filling out the Evidence of Insurability (EOI) form, and there is no waiting period for coverage. If you waive coverage and would like to enroll at a later date, you will be subject to underwriting and need to fill out the EOI form, and get approval from UNUM.
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.
Short Term Disability
Short Term Disability (STD) Insurance with UNUM can help replace a portion of your income when you're unable to work. If you are unable to work for a few weeks due to a covered injury, illness or even childbirth, UNUM's Short Term Disability Insurance can provide an ongoing benefit to help keep your finances stable.
Short Term Disability covers 66.67% of your weekly salary, up to a maximum benefit of $2,000 per week. Benefits begin on the 7th day of an accident and the 7th day of an illness (including pregnancy)
Longevity Holdings pays 100% of this benefit, so you are automatically enrolled once you are eligible.
Long Term Disability
Long Term Disability insurance helps replace a portion of your income for an extended period of time.
All Active Full-Time Employees working at least 30 hours per week are provided this benefit by Longevity Holdings at no cost to the employee.
The Long-Term Disability benefit covers 60% of your monthly income, up to a maximum benefit of $5,000 per month. There is an elimination period of 90 days, which is the length of time you need to be disabled prior to becoming eligible for a benefit.
Additional Resources
UNUM Provides members with some additional resources and programs that are available to you as an employee of Longevity Holdings - EAP, Medical Bill Saver and Travel Assistance.
Please review the attached documents for more information.
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, HealthPartners enrollment materials and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance enrolling in Dayforce, please contact:
Human Resources
Email: HR@longevity.inc