Table of Content
- Header
-
Page
- Welcome!
- Open Enrollment
- Eligibility
- Enrollment
- Well-being
- Medical Benefits
- Medical Overview
- Pharmacy Benefits
- Medical Plan Costs
- BCBSM Resources
- Health Savings Account (HSA)
- Flexible Spending Account(s)
- Dental
- Dental Plan Overview
- Dental Plan Costs
- Vision
- Vision Plan Overview
- Vision Plan Costs
- Life and AD&D Insurance
- Disability Insurance
- Employee Assistance Program (EAP)
- Legal Plan
- Legal Plan Overview
- 401(k)
- Plan Documents
- Contact Us
- Misc.
- Footer
Welcome!
Message from Human Resources
Helping you and your family reach and maintain good health is very important to Padagis. We are pleased to offer a selection of benefits designed with the health and financial wellbeing of our diverse workforce in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for all employees and their families.
Benefits Offered (web-links in blue)
- Two Medical plans through Blue Cross Blue Shield of Michigan
- Prescription Drug coverage through CVS Caremark
- Well-being Program through Personify Health (formerly Virgin Pulse)
- Dental coverage through Delta Dental of Michigan
- Vision coverage through VSP
- Health Savings Account (HSA) through Optum Bank
- Flexible Spending Accounts (FSAs) through WEX
- Medical FSA
- Limited FSA
- Dependent Care FSA
- Employer Paid Basic Life and Accidental Death and Dismemberment (AD&D) and Long-Term Disability through Reliance Matrix
- Supplemental Life and AD&D through Reliance Matrix
- Employee Assistance Program through Magellan Health
- Legal Plan through MetLife Legal Plans NEW!
- 401(k) through Empower
Eligibility
Eligibility
Employees
All full-time employees working 30 or more hours per week are eligible for the Padagis benefits package.
Dependents
When you enroll yourself in the Benefit Program, you may also cover your eligible dependents for medical, dental, vision and supplemental life insurance coverage. Eligible dependents include:
- Your legal spouse. This does not include a common law spouse or an ex-spouse.
- Your (or your spouse’s) biological child, step child, legally adopted child, foster child, a child for whom legal guardianship has been awarded, and who are less than 26 years of age.
- Your unmarried disabled dependent regardless of age. Proof of disability is required. Initial eligibility needs to be prior to age 26.
Enrollment
When To Enroll
New employees are eligible for benefits after 30 days of continuous, full-time employment. If you do not enroll during the initial eligibility period, the next time you are able to enroll is during annual Open Enrollment, unless you have a qualifying life event.
Qualifying Life Event
If you experience a Qualifying Life Event (QLE) during the year, you can make changes to your coverage. You must notify human resources within 30 days of the event date.
Common life events include:
- Marriage or divorce
- Birth or adoption of a child
- Ineligibility of a dependent
- Gain or loss of coverage by you or your spouse due to a job change
- Employment status or transfer
- Death of a spouse or dependent
- Gaining eligibility for Medicare
- Gaining or losing eligibility for Medicaid
How to Enroll
Enrollment will be done on the UKG (PlanSource) Portal.
- Log into your self-service account on UKG by clicking the below link.
- Review the job aid at the right for more instructions to access your enrollment module.
- Follow on-screen prompts through the demographic updating and election process.
IMPORTANT NOTE: At the end of your enrollment you will be taken to the Confirmation page. You must confirm your enrollment for it to save.
Well-being
Here are some key updates to the program:
- Brand new home page to quickly connect you to the information that matters most to you
- Learn exactly how to earn points with a helpful breakdown
- A Media library with tips and activities to enhance your wellbeing experience
Complete the steps below by November 30, 2025 in order to receive the medical premium discount in 2026:
- Complete the Health Check Survey
- Complete 2 preventive care activities with the My Care Checklist
- Reach Level 2 for points each quarter.
- Please note: Your points will reset at the beginning of each quarter.
- 2025 quarter dates are:
- Quarter 1: January 1 to March 31
- Quarter 2: April 1 to June 30
- Quarter 3: July 1 to September 30
- Quarter 4: October 1 to November 30 (note: this is a short quarter due to the 2025 program ending 11/30/2025)
- 2025 quarter dates are:
- Please note: Your points will reset at the beginning of each quarter.
If you haven’t already, you may register at join.personifyhealth.com/Padagis and log into the Virgin Pulse portal.
If you need any assistance with the website or logging in, there is a ‘Chat’ feature in the bottom right you may click on or you may call their Support Center at (844) 724-5618 or email at support@personifyhealth.com
Medical Benefits
Padagis offers medical coverage through Blue Cross Blue Shield of Michigan. The plan provides freedom for you to use any qualified health care provider, but you receive the highest level of benefits when you use a provider who participates in-network. While the plan does not require you to have a primary care physician, e encourage you to have a doctor who is familiar with your medical history and needs.
Padagis employees have the choice of two (2) medical plans:
- Option 1: $1,000-$25 PPO Copay Plan Plan - A traditional plan with office visit and prescription drug copays. The deductible for single coverage is $1,000 and family coverage is $2,000. After the deductible is met, the plan pays 80%. This option provides access to a Healthcare FSA.
- Option 2: $2,000-80% CDH HSA Plan – A High Deductible Health Plan (HDHP), the deductible for single coverage is $2,000 and family coverage is $4,000. After the deductible is met, the plan pays 80%. This option provides access to a Health Savings Account (HSA).
Remember: Both plans have 100% preventive care coverage!
Medical Overview
CVS Pharmacy Resources
Prescription drugs are a major driver of health care costs. There are several ways to help you save.
Prescription drug benefits through CVS Caremark are included when you enroll in a Padagis Medical Plan, using the CVS Caremark Standard Formulary. Please see your benefits on the chart to the left.
You can purchase prescriptions through a national network of retail pharmacies or through the mail order Maintenance Choice program.
Maintenance Choice
You can save money by filling your maintenance prescriptions that you take regularly (such as high blood pressure, high cholesterol, and asthma) in 90-day supplies at CVS pharmacies or CVS Caremark Mail Service pharmacy. If you want to use this service but don't currently use the CVS pharmacy, you can fill your 34-day supply twice at your current pharmacy before being required to transfer your script.
Opt-out - If you do not want to use the Maintenance Choice program, you can opt-out by calling the customer care number on the back of your CVS ID card.
Save on Prescription Drugs
- Generics: Generics are the same as brand name, generics will be listed in all lower-case italics on the drug list.
- Mail Order: Using mail-order prescription drug pharmacies will save you money on your maintenance medications.
- Specialty Pharmacy: If you are taking a medication considered “specialty” you will need to the CVS Specialty Pharmacy.
Review the standard formulary at www.caremark.com to determine where you drug falls. Please refer to specific plan # information which can be found on your ID card. We also encourage you to review all options with your physician and pharmacist.
Pharmacy Overview
Medical Plan Costs
Manage your Health Online
Review in-network providers and create your member profile by clicking the link above. You can also call 866.684.8213 for more information. Please have your ID card available when calling.
Through the carrier website, you can gain access to participating providers, health and wellness resources and forms. Personalized information is also available if you register with online Member Services. Once you register, you can check your current and past claims, view benefit information, request a benefit plan book or an ID card.
Review the below documents for helpful tips, directions and reminders pertaining to:
- Member Portal
- Finding a Doctor
- Cost Transparency
- Preventive Care
Health Savings Account (HSA)
If you have enrolled in the CDH plan you may be eligible to open a Health Savings Account (HSA) through Optum. Health Savings Accounts are a great way to save money and pay for qualified medical expenses.
Great news! Padagis will continue to make contributions to employee's Health Savings Accounts. You must enroll in the CDH plan in order to receive the company contribution.
Please note: New hires will received a pro-rated contribution from Padagis depending on specific coverage start dates.
Eligible employees:
To be eligible to open and contribute to an HSA:
- You must have coverage under a qualified HDHP
- Participants cannot be covered by any other health insurance plan (does not apply to certain types of insurance, such as dental, vision, disability or long-term care coverage)
- Participants cannot participate in Healthcare FSA or spouse/domestic partner’s Healthcare FSA or Health Reimbursement Account (HRA)
- You cannot be eligible to be claimed as a dependent on someone else’s tax return
- Participants cannot be enrolled in Medicare or Medicaid
- You have not received Department of Veterans Affairs Medical benefits in the past 90 days unless the Veteran has a disability rating (There may be additional special circumstances, check with your tax preparer)
Money you contribute:
2025 Limits: No minimum required: $4,300 maximum (individual), $8,550 maximum (family), $1,000 catch-up (anyone over age 55)
Tax advantage
- Pay no taxes on the money you contribute
- Pay no taxes on interest you earn
- Pay no taxes when you withdraw money -- Triple-tax savings for you!
Eligible expenses
Eligible healthcare expenses for you and your enrolled dependents now or in the future (retirement). Visit www.IRS.gov and review Publication 502 for a list of eligible expenses
How to use the account
Use your HSA Card or pay out-of-pocket and submit your claim for reimbursement. Visit www.optumbank.com for more information!
Funds roll over year to year?
YES. The money in the account belongs to you, even if you leave Padagis.
When are funds available?
The funds are available upon deposit from your paychecks. You do not have access to the money until it is in your account. You can use funds for eligible expenses now, or when you retire.
HSA Limits
Flexible Spending Account(s)
Padagis offers three (3) Flexible Spending Accounts (FSAs)
Administered by WEX Health
Healthcare FSA for employees not contributing to HSA
- Up to $3,300 for medical, dental, vision or hearing expenses
Limited Purpose FSA for employees on HDHP and contributing to HSA
- Up to $3,300 for dental, vision or post-deductible medical expenses ONLY
Dependent Care FSA for employees with eligible dependent costs
- Up to $5,000 for eligible dependent care expenses (children under the age of 13, disabled dependents, elder care)
- Maximum is $2,500 if married filing separate tax returns.
Access the LEAP portal through WEX to use your account, submit reimbursements, view claim history and review fund balances.
Dental
Padagis offers a dental plan administered by Delta Dental of Michigan.
Find a Provider by going to www.deltadentalmi.com and search for a dentist in either the Delta PPO or Delta Premier neo. Search for dentist by name, clinic name, city or zip code, to find the provider that best suits your specific needs.
Dental Plan
Dental Plan Costs
Vision
Padagis offers employees vision insurance through VSP. The plan provides specified dollar amounts or discounts for the purchase of eye glasses and contact lenses. Two plans are offered to you--a Basic Plan and Enhanced Plan. The Basic plan is offered to you free of charge. You pay to buy-up to the Enhanced plan offering (see rates below)
Find a Provider
The network used by Padagis is the VSP Choice network.
Visit the link below to find a listing of all in-network providers. To find a provider, visit www.vsp.com
Vision Plan
The Basic plan is offered to you free of charge. You pay to buy-up to the Enhanced plan offering (see rates below)
Vision Plan Costs
Life and AD&D Insurance
Life and accident insurance are valuable benefits for you and your family. Padagis automatically provides you with Basic Life and Accidental Death and Dismemberment (AD&D) 1.5 times your annual salary. Eligible employees are automatically enrolled in the company paid benefits when they become benefit eligible.
Voluntary Life and AD&D
In addition to the Basic Life and AD&D coverage, you can also enroll in additional coverage paid for by you.
Employee:
- Benefit Amount: 1x, 2x, 3x, 4x or 5x annual earnings up to $1,000,000
- Guarantee Issue Amount (when first eligible): $500,000 ($250,000 if age 70 or older)
Spouse:
- Benefit Amount: Increments of $10,000 up to $100,000, not to exceed 100% of employee's election
- Guarantee Issue Amount: $50,000 ($25,000 if age 70 or older)
Children:
- Benefit Amount: Birth up to 15 days: $1,000, Children 6 months – 26 years old: up to $25,000 in increments of $5,000
- Guarantee Issue Amount: Full benefit
Open Enrollment Rules:
If you decline(d) coverage during your initial enrollment for yourself or your dependents, you may only enroll during the annual open enrollment period, and will be subject to Evidence of Insurability for any election amount.
Disability Insurance
Padagis provides full-time employees with short- and long-term disability income benefits– at no cost to you!
In the event you become disabled from a non-work-related injury or illness, disability income benefits will provide a partial replacement of lost income. Please note that you are not eligible to receive disability income benefits if you are receiving workers’ compensation benefits.
Short Term Disability (STD): Income replacement during a temporary disability or illness
- Benefits are available up to six (6) months depending on years of service for an approved disability. Please contact Human Resources for additional information pertaining to specific eligibility.
Long Term Disability (LTD): Income replacement during an extended disability or illness
- Benefit Percentage: 60% of your covered monthly earnings up to $10,000 per month
- Benefit Waiting Period: 180 days (typically satisfied while collecting a Short Term Disability benefit.
- Maximum Benefit: SSNRA- Social Security Normal Retirement Age
- Pre-Existing Condition Applies - 3/12
- The policy has a 3/12 pre-existing conditions limitation provision, which excludes coverage for anything you have been treated for 3 months prior to coverage until you have been on the policy and treatment free for 12 consecutive months. Please see the benefit summary for full details of this provision.
*To receive a benefit, your claim must be approved by Padagis & Matrix (through Reliance Standard). To start the process and initiate a claim, please contact Matrix 1-855-4-MY-FMLA (1-855-469-3652) between the hours of 6:30 A.M. to 10:00 P.M. EST. You may also visit matrixabsence.com where you can create an account and file or track a claim.
Please also refer to the "How to File a Claim" resource below.
For questions regarding the Padagis disability program and leaves of absence, please email leavemanagement@padagis.com
Employee Assistance Program (EAP)
Employee Assistance Program
When you need help with life’s challenges. Padagis has contracted with Magellan Heathcare, Inc. Employee Assistance Program (EAP) to support you and your family through life's up's and down's. Whether it’s financial troubles, personal issues or family problems, your EAP can help. This program is available to all employees and family members.
Workplace and Personal Counseling -- Get support during your journey. If you find yourself needing assistance with relationships, work, or other concerns, your Employee Assistance Program (EAP) benefit offers confidential support. Access emotional well-being sessions (up to five per year, per concern) at any time 24/7 available to you and your household family members at no-charge.
Contact Magellan Health to learn more!
Website: click the below link or visit www.magellanascend.com and click on the Find My Company button and enter "Padagis"
Telephone: 800-523-5668
Legal Plan
We are pleased to introduce the new voluntary Legal Plan offered through MetLife!
The cost of this plan is only $18 per month and covers you and your immediate family!
Legal issues occur throughout life, when employees are getting married, buying a home, becoming a caregiver or handling financial matters like debt or tax audits. Dealing with these matters can be costly and time consuming, taking employees away from work and impacting their overall well-being.
MetLife provides your employees with the cost-effective, multi-channel access to legal help they need to easily handle costly legal matters in their life—helping them to feel more financially and emotionally secure.
You are allowed to choose an attorney from the MetLife network, or outside of it, or use their digital tools to handle matters. With a large network of attorneys and the ability to complete estate planning or download self-help documents on their website, you have the flexibility to choose how you want to handle your legal matter.
Create an account at Register | MetLife Legal Plans or give them a call at 800.821.6400
401(k)
One of the best ways to start saving for the future is through the Padagis 401(k) retirement plan!
How does it work?
- For every $1 you contribute of the first 2% of your pay, Padagis will contribute $1. Then, for every $1 you contribute of the next 2% of your pay, they’ll contribute $0.50. So to get the full amount, you’ll need to contribute at least 4% of your pay.
- Padagis will also make a profit sharing contribution to your 401(k) account equal to 3% of your pay. This contribution will be made in a lump sum every April.
- Together, the full company match and profit sharing contribution equal 6% of your salary per year! And you are immediately vested in all contributions to your account.
How much can I contribute?
- You can contribute up to 50% of your pay on a pre-tax, Roth 401(k) after-tax, or traditional after-tax basis, or a combination of the three. The IRS also sets dollar limits on contributions. The annual contribution limit is $23,500 for 2025 with employees age 50+ able to contribute "catch-up" dollars of up to $7,500.
When can I join the plan?
- If you meet service requirements, you are eligible to start making contributions immediately after the completion of one month of service. If you do nothing, you’ll be automatically enrolled 30 days after your hire date.
- You’ll be automatically enrolled in the plan at a pre-tax contribution rate of 4% of your pay. Your pre-tax contribution rate will increase automatically by 1% every September, unless you choose a different month. You can also change this rate, up to a maximum of 3%. Your contributions will be automatically invested in the EmpowerTarget Retirement Fund with the target date closest to the year in which you will reach age 65.
- NOTE: Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Income Fund has a fixed investment allocation and is designed for investors who are already retired. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.
For more information, please review the flyer below or visit participant.empower-retirement.com
Contact Us
For a detailed explanation of any benefit or if you have specific questions and need assistance during and after open enrollment, contact your local Human Resources Coordinator. You may also email benefitsandpayroll@padagis.com.