Welcome
Specialty Telecommunication Services (STS) is dedicated to providing an affordable and competitive benefit program that promotes good health for employees and their families. STS offers a range of benefits that are designed to support both your financial and physical wellbeing. Every year, we evaluate and update our benefit programs to ensure that we offer the best combination of coverage, network access, and affordability to our employees.
Open Enrollment begins November 7, 2024 and closes November 18, 2024. You must complete and sign an enrollment form by November 28, even if you are waiving coverage.
Benefits Overview
We recommend going through the STS 2024 Open Enrollment Employee Benefits Guide and watch the 20-minute Benefit Presentation to obtain detailed information about all the benefits available to you. Additionally, you can refer to the Tri-Fold document for a brief summary overview of the benefits.
Enrollment
If you wish to make any changes during open enrollment, please complete the paper form available in this section and submit it to Chanda by November 28, 2024. This is a PASSIVE enrollment, meaning you do not need to submit anything if you want to maintain your current benefits.
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 & Rx
Blue Cross and Blue shield will administer your medical and prescription drug benefits this year. Due to our continued desire to improve your total benefits package, we have maintained your medical plan from Blue Cross and Blue Shield.
To find out if your provider is in-network, please visit the BCBS Provider button above.
Dental & Vision
Specialty Telecommunication Service's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Delta Dental PPO Plus Premier Network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.
To find out if your provider is in-network, please select the Delta Dental Provider Search button above.
Specialty Telecommunication Service's vision plan provides comprehensive coverage to help you and your family maintain good vision health. Providers are part of the VSP Signature Network, or you may see an out-of-network vision provider of your choice. If you go out-of-network, your out-of-pocket costs will be greater, as benefits for out-of-network service are lesser than in-network benefits.
To find out if your provider is in-network, please select the VSP Vision Provider Search button above.
Life and AD&D
STS offers Basic & Voluntary Life/AD&D coverage through Dearborn National.
Basic Life/AD&D (100% Employer Paid Benefit)
Employees are eligible for $50,000 of 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 (Employee Paid)
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.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
Voluntary Benefits
STS 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 employee.
Employer Required Notices
Please take a moment to review the Annual Employer Required Notices for the 2024-2025 plan year.
Contact Us
As you evaluate your benefit choices, it is important to review all the information that is available to you, including the Employee Benefits Guide, Voice Over Presentations, and flyers that are accessible from this webpage. If you have any questions or require assistance in understanding your benefits, please do not hesitate to contact HR.
Client Contacts
Chanda Curtis
chandacurtis@stsllc.org
405-753-7169