WELCOME
Helping you and your family reach and maintain good health is very important to P3R. 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.
OVERVIEW
P3R remains committed to providing a competitive, cost-effective benefit program. Below are highlights of coverage that are effective 1/1/2025.
Please review your 2025 P3R Open Enrollment Employee Benefits Booklet for information on all of your benefits.
ENROLLMENT
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, DENTAL & VISION
To find out if your provider is in-network, please visit the UPMC website below.
LIFE & DISABILITY
P3R provides you with Basic & Voluntary Life/AD&D coverage & Long-Term Disability through Guardian. You can also purchase, additional Life Insurance, Accident coverage as well as Short-Term Disability coverage, at your own cost.
Basic Life/AD&D-Employer Paid
Employees working 30 or more hours per week are eligible for $200,000 coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
Voluntary Life/AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.
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-Voluntary
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. Your coverage through Guardian pays 60% of your income to a maximum of $1,500 per week.
Long Term Disability-Employer Paid
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. Benefits begin after a 91 day elimination period and are equal to 60% of covered monthly earnings up to $6,000/month for full-time employees.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
HSA
The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
To be eligible for an HSA, you must be enrolled in the High Deductible Health Plan (HDHP).
You may contribute as follows:
[$4,300] for a single contract
[$8,550] for a two person or family
VOLUNTARY BENEFITS
P3R provides 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:
Voluntary Benefits:
- Accident Insurance through Guardian
- Life Insurance through Guardian
- Short Term Disability through Guardian
Additional Resources
UPMC HP offers an Employee Assistance Program (EAP) to all members and their families. The EAP can help with counseling services and more. Please see flyer for details.
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Intranet, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:
Client Contacts
Ruth Minyon
ruth.minyon@p3r.org
(412) 586-7785
Account Team Contacts
Michelle Ruff
Producer / Sales Consultant
michelle.ruff@nfp.com
412-600-2341