Red Spot Paint & Varnish Co., Inc.

Table of Content

  1. Header
  2. WELCOME
    1. WELCOME
    2. SELF SERVICE PORTAL
    3. ELIGIBILITY
    4. MEDICAL
    5. HSA
    6. FSA
    7. WELLNESS PROGRAMS
    8. PROCARE HEALTHSPOT
    9. DEACONESS EAP
    10. DENTAL
    11. VISION
    12. LIFE INSURANCE
    13. LONG TERM DISABILITY
    14. CRITICAL ILLNESS
    15. HOSPITAL INDEMNITY
    16. 401K
    17. VACATION, HOLIDAYS & MORE
    18. CONTACTS
    19. NOTICES
    20. SHORT TERM DISABILITY
  3. Footer

WELCOME

Red Spot Paint & Varnish is GROWING! We are glad you have decided to be a part of our expanding team! We have a great work environment with new wages, great benefits, and lots of opportunity. Red Spot supplies interior and exterior high-performance coatings for a world of plastics and automotive markets. We pride ourselves in being a company that has continued to thrive and grow in our community for nearly 120 years! 


Red Spot is pleased to present this overview of employee benefits. We offer a variety of benefits to help our employees protect their health, family, and way of life. Benefits are a valuable part of the compensation package. Please take time to review this information carefully, along with the materials provided by the insurance carriers. Please contact HR with questions.

SELF SERVICE PORTAL

EMPLOYEE SELF SERVICE PORTAL:

The ADP Portal provides 24-hour access—from work, home, or mobile device—to a wide range of HR resources, including W-2 information, paycheck history, summary plan descriptions, provider websites and much more!

To access the Self-Service Portal, visit https://workforcenow.adp.com (link below)

User ID- first initial last name @redspot [example- jsmith@redspot]

Password- personal password created at registration

ELIGIBILITY

eligibility

MEDICAL

UMR

Red Spot offers 2 medical plans, a PPO and a High Deductible Health Plan (HDHP) with Health Savings Account. Both plans are administered by UMR and include a vast regional/national network of doctors/medical facilities through the United Healthcare Choice Plus Network with Optum RX providing the role of pharmacy benefit manager. Preventive care services are covered at 100% on both plans. For more detailed information, please refer to the medical plan documents on the ADP employee portal or visit www.UMR.com.


All full time, active employees, dependents, and eligible spouses may enroll in coverage.  Eligible dependent children are covered through the end of the month of their 26th birthday. A spouse is eligible for Red Spot coverage only if they are not eligible for their own employer-sponsored plan. 


Red Spot provides an incentive in the form of a discounted premium for completing an annual health screening during an announced time.  


With your plan you also have access to:

  • Real Appeal: Real Appeal is a proven online weight loss program that’s part of Red Spot’s medical plan benefits. With personalized guidance from an online coach, meal and activity tracking, and virtual group sessions, you get tools and resources to create healthy change. This program is for employees and spouses, as well as dependent children eighteen and older, who are covered under the Red Spot Medical Plan and is FREE of charge. To be eligible for the program, you would have a BMI of 30 or higher or a lower BMI with one or more of the following health risk factors: high cholesterol, diabetes or pre-diabetes, tobacco user, or high blood pressure. Those who enroll in the program receive a “success” kit a few weeks after enrollment, which includes a food scale, regular scale, workout videos (cardio, flexibility, strength, and abdominal muscles), cookbook, and stretch bands. To find out more, log into www.umr.com and click on Health Center and then the Real Appeal icon.
  • Plan Advisors: Our plan advisors are available weekdays from 7 a.m. to 7 p.m. Central time. During off hours or weekends a representative can assist you with claims or benefits questions, and your plan advisor can follow up during the regular business hours.
  • Compare Quality Cost: Resource to compare quality providers and costs.
  • UMR Network Labs - Any preventive or diagnostic blood work received through free standing facilities are free on the PPO plan and reduced cost for High Deductible Health Plan.
  • Telehealth via OC24 Health


See resources below for more information.

HDHP vs PPO

HDHP vs PPO

Plan Advisor

Plan Advisor

Compare Quality Costs

Compare Quality Costs

Real Appeal

Real Appeal

Optum Rx Information

Optum Rx Information

Optum Rx Vaccine Flyer

Optum Rx Vaccine Flyer

PPO SBC

PPO SBC

HDHP SBC

HDHP SBC

UMR Network Lab Flyer

UMR Network Lab Flyer

OC24 Telehealth

OC24 Telehealth

UMR Healthcare Summary Plan

UMR Healthcare Summary Plan

rates

PPO

HDHP

HSA

Health Savings Account

A Health Savings Account (HSA) is a tax-free savings account owned by you, 100% vested from day one, and let's you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.


For 2022, Red Spot funds employee Health Savings Accounts (HSAs) at $750 for employee only tiers and $1,500 for all other tiers. These amounts are pro-rated for new hires and those changing tiers during the year. 2023 funding will be announced in late 2022. Eligible employees can set up their own health savings accounts or request an application to set up one through First Federal Savings Bank. To be eligible for the company contribution, HSA accounts must be set up by no later than November 1, 2022. Some employees will not be eligible to make or receive HSA contributions due to IRS regulations. Examples of ineligible employees include, but are not limited to, being enrolled in Medicare Part A or B or Tri-Care, having accessed VA benefits in last 90 days, having other first dollar health coverage, or participating in a flexible benefit plan for medical reimbursement. In addition to the company contribution, eligible employees may make pre-tax contributions into their HSA accounts through payroll deduction; please refer to the Red Spot HSA Payroll Deferral Form on the ADP portal. It is each employee’s responsibility to ensure they do not contribute more than the 2022 annual IRS HSA contribution limit of $3,650 for self only coverage and $7,300 for family coverage. A catch-up contribution of up to $1,000 can be made during the year by HSA-eligible participants who will turn 55 by year-end. Please consider the Red Spot funding when determining your contribution. If you have a child who is no longer a tax dependent, you can cover them on your insurance up to age 26, and you may be eligible to receive the family health savings contribution; however, IRS regulations may prevent you from utilizing health savings contributions to pay for their medical expenses. Refer to your tax advisor if you have questions concerning your personal tax situation.

HSA

HSA

FSA

Flexible Spending Accounts

The FSA Plan is administered through American Benefits Group and allows employees to save money by using pre-tax dollars to pay for certain health care and dependent care expenses. Red Spot’s health care FSA includes a 2-month grace period to incur expenses for the prior year if submitted within the appropriate timeframe.


Health Care FSA - Employees may designate as much as $2,850 per year to pay for out-of-pocket medical, prescription, dental, and vision care expenses for their own and their eligible family members—family members are not required to be covered under the Red Spot health care plan. You cannot participate in this plan if you are covered on the High Deductible Health Plan. For additional resources, visit www.amben.com/FS (link below).


Dependent Care FSA - Employees may designate up to $5,000 per year, if annual tax filing status is “married filing jointly” or “head of household,” to pay for dependent care expenses during work hours. If spouse’s employer also offers a dependent care FSA, the combined total for both plans cannot exceed $5,000. Employees who are married but file separate tax returns, may not contribute more than $2,500 per year.

FSA

FSA

Dependent FSA

Dependent FSA

Optimize FSA

Optimize FSA

Flexible Spending Tips

Flexible Spending Tips

WELLNESS PROGRAMS

As a Red Spot Employee you have access to the following wellness programs regardless of medical plan participation:


  • Red Spot has teamed up with UMR to offer a health and wellness program to help you recognize and achieve your personal goals. Your participation is voluntary, and all resources are available to you at NO COST! We have customized a wellness program that will reward you for hitting key milestones and completing quarterly challenges. This program will be offered to all employees, spouses, and those that are not on the medical plan that wish to participate. Employees and Spouses may earn a reloadable reward card (Mastercard) for completing quarterly challenges.
  • Instructions to sign up are below, select the appropriate document to get started (enrolled in medical vs not enrolled in medical).
  • Red Spot has teamed up with UMR and ProCare to provide:
  • Blood Pressure Check at Work: Beginning September 15th, we will be performing Blood Pressure checks at Red Spot. These will occur every other week on Thursdays.


All details are linked below.

Wellness - enrolled in medical

Wellness - enrolled in medical

Wellness - not enrolled in medical

Wellness - not enrolled in medical

Red Spot Blood Pressure Event Flyer

Red Spot Blood Pressure Event Flyer

PROCARE HEALTHSPOT

PROCARE HEALTHSPOT ON-SITE AND NEAR-SITE MEDICAL CLINICS:

Employees, dependent children, and spouses can also receive medical care, lab work, and generic prescriptions at no cost at ProCare HealthSpot on-site and near-site medical clinics. Refer to the ProCare Welcome Guide for detailed information on available locations and hours. Enrollment in a Red Spot Medical Plan is not required for care. Children who are living at home and considered to be a dependent, as defined by the IRS, are eligible to use the clinic through the end of the month of their 26th birthday.


ProCare Welcome Guide

ProCare Welcome Guide

ProCare Video

ProCare Video

DEACONESS EAP

The employee assistance program (EAP) is available for employees and their dependents living at the same address. The EAP is provided by Red Spot at no cost to employees and is administered by Deaconess Concern. The EAP can assist with marriage and family issues, childcare and elder care services, stress/anxiety, alcohol or drug abuse, workplace conflict, legal and financial matters, and more.

EAP

EAP

Employee Assistance Program

Employee Assistance Program

DENTAL

Dental

Dental

Dental Coverage is administered by Paramount Dental (HRI). An employee contribution is required via payroll deduction based on selected level of coverage.


Coverage Levels

  • Single Coverage - $2.74
  • Family Coverage - $7.60


Coverage Overview

  • 100% coverage on most preventive services
  • 50% coverage on most procedural services
  • $1,200 annual maximum per covered individual
  • Up to 50% Child Ortho with $1,200 lifetime max (up to age 24)

VISION

Vision Savings Plan (VSP)

Voluntary vision coverage is available to all employees and their spouses/dependents and is administered by Sun Life through the VSP Vision Care Signature Network.


Coverage Levels and Semi-monthly Rates:

  • Employee Only: $5.12
  • Employee/Spouse: $9.83
  • Employee/Child: $10.33
  • Employee/Family: $16.34


Brief plan details are included below.


*If you are covered under the Red Spot Medical Plan (PPO or HDHP administered through UMR) and wish to utilize your annual preventive care eye exam with no copayment, then you should utilize your UMR card. For other vision services, including purchase of materials such as glasses and contacts, you would then utilize your vision coverage through Sun Life/VSP. Please refer to Vision insurance schedule for more detailed information on this benefit.

Vision

Vision

Vision Plan Summary

Vision Plan Summary

LIFE INSURANCE

Sun Life Financial

Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. AD&D insurance is equal to your Life benefit in the event of your death being a result of an accident, and may also pay benefits for certain injuries sustained.


Basic life insurance is provided by Red Spot, free of charge, with matching accidental death and dismemberment (AD&D) for all active exempt employees at the amount of two times their annual salary up to a maximum benefit of $500,000. At the age of 65, the benefit will be reduced 35% of the eligible amount of coverage. An additional reduction occurs at age 70.


Supplemental life insurance is available for purchase, through payroll deduction, for employees, their eligible spouse, and dependents. The employee must be enrolled in supplemental coverage to purchase coverage for dependents or spouse. Employees can elect $10,000 to $500,000 – in $10,000 increments, not to exceed 5 times basic annual earnings – with no medical questions asked up to the guaranteed issue amount of $150,000 if under age 70 and $10,000 if age 70-79. If you elect coverage for yourself, you can elect $10,000 to $250,000 – in $10,000 increments – with no medical questions asked up to the guaranteed issue amount of $30,000 if under age 70 and $10,000 if age 70 or over for your spouse. If you elect coverage for yourself, you can elect $2,500 to $10,000 – in $2,500 increments – with no medical questions asked for your dependent children 14 days to 26 years old. The child must be financially dependent upon their parents to remain covered. The coverage you select for your spouse and children cannot exceed 100% of your coverage amount. Benefits are reduced to 65% at age 65 and to 50% at age 70 for employees and their spouses. Please refer to the full plan summary for additional details of the life insurance plans.


Emergency Travel Assistance & Identity Theft Protection: Sun Life offers Emergency Travel Assistance as an additional value-add service. If you have a medical emergency when you are more than 100 miles away from home, you can be connected 24/7 with Assist America’s staff of medically trained, multilingual professionals who can advise you. Assist America pays for 100% of the services it arranges for and provides. You also have the support of a comprehensive identity theft protection program through Assist America’s SecurAssist Identity Protection, including 24/7 phone support and step-by-step guidance by anti-fraud experts.

Life/AD&D

Life/AD&D

Voluntary Life Summary

Voluntary Life Summary

Emergency Travel Brochure

Emergency Travel Brochure

Emergency Travel Mobile App

Emergency Travel Mobile App

LONG TERM DISABILITY

LTD

LTD

Serious illnesses or accidents can come out of nowhere. They 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.


All full-time, exempt employees on active status with at least twelve months’ continuous employment are eligible for Long Term Disability (LTD) benefits. LTD is provided by Red Spot and administered by Sun Life Financial. During your extended sick leave, you will be paid 60% of salary up to a maximum of $10,000 per month. During the first 12 weeks of leave, if approved under medical leave and for the employee’s own serious health condition, the Company may pay 100% of wages while medically unable to work.

CRITICAL ILLNESS

All full-time employees who work at least 30 hours/week are eligible to enroll in coverage. This insurance protects employees and their families from financial loss by providing lump-sum benefits upon diagnosis of covered conditions. Benefit amounts range from $5,000 to $40,000 in increments of $5,000 for employees. If an employee elects coverage, they can also elect spousal coverage from $5,000 to $40,000 in increments of $5,000. Coverage can also be elected between $2,500 and $20,000 in increments of $2,500 for eligible children from birth to age 26. Final eligibility is subject to Sun Life’s approval. This plan also pays a $50 wellness screening benefit each year once an enrollee provides proof of an eligible health screening. If interested in finding out more, contact HR.

CI

CI

HOSPITAL INDEMNITY

All full-time employees who work at least 30 hours/week are eligible to enroll in coverage, which helps pay for unexpected expenses. Utilize this benefit to help cover related expenses like lost income, childcare, deductibles, and copays. The plan offers hospitalization benefits for you, your spouse, and/or your children. An eligible child is defined as your child from birth to age 26. Benefits are payable for hospital stays due to sickness, accidents, mental/nervous disorders, substance abuse, etc.

HI

HI

HI Table

CONTACTS

HR Contacts

Plan Contact

NOTICES

Annual Notices 2022

Annual Notices 2022

Notice of Privacy Practices

Notice of Privacy Practices