Welcome
Helping you and your family reach and maintain good health is very important to SiebenCarey. SiebenCarey is 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.
Eligibility
Regular employees working at least 30 hours per week are eligible to participate in benefits offered by SiebenCarey. When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.
Enrollment
How to Enroll in Benefits
All elections must be submitted by 10:00pm on December 15th. The benefits you elect during open enrollment will be effective from 1/1/2026-12/31/2026.
You are required to actively enroll in benefits for 2026.
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.
Contact Human Resources if you have questions about qualifying events.
Medical/Rx
Blue Cross Blue Shield will continue to administer your medical and prescription drug benefits this year. All options have been carefully selected to provide the most value to you and your families. SiebenCarey will be offering the $4,200-0% HSA Plan with the Aware and High Value network options.
- Please note: Tier 1 drugs include medications on the BasicRx preventive drug list for the following selected categories:
- Diabetes medication and supplies
- High Blood Pressure
- High Cholesterol
- Antidepressants
Reminder: See the Summary of Benefits and Coverage (SBC) below for more details.
When you visit in-network providers, you receive the best benefits. To find out if your provider is in-network, please visit the BCBS website below:
Health Resources
The list below are some examples of what BlueCross has to offer their members in addition to medical coverage:
- Diabetes and Heart Disease Prevention – Omada
- Online Behavioral Health – Learn to Live
- Wellness Discount Marketplace – Blue365
- Quitting Tobacco Support
Dental
Delta Dental
Delta Dental is one of the largest providers of dental benefits in the United States. The dental plan provides coverage necessary to help you maintain good dental health. The dental plan utilizes two Delta Dental network options, but still provides you with the freedom to see any dentist you choose:
- Delta Dental Premier – the largest network in Minnesota and the nation with over 134,000 participating dentists nationwide – 2,650 in Minnesota.
- Delta Dental PPO – a smaller network than Delta Premier with more than 74,000 providers nationwide – 1,500 in Minnesota. The PPO network offers more significant discounts due to stronger negotiated dentist fees.
- Non-Participating Providers - if your dentist is not a participating Delta Dental provider, you don’t need to change. However, you pay more out of your pocket because fees have not been negotiated between Delta Dental and your dentist.
Please note: Waiting periods will be removed from the plan in 2026.
Be aware if you go out-of-network, your costs will be higher. To find out if your provider is in-network, please visit the Delta Dental website below.
Life & Disability
SiebenCarey provides you with Voluntary Life/AD&D coverage as well as Long-Term Disability through UNUM.
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
Short 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 7-day elimination period are equal to 60% of covered weekly earnings up to $2,500 for full-time employees.
Long Term Disability
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 180-day elimination period are equal to 60% of covered monthly earnings up to $10,000 for full-time employees.
Please review the benefit summaries for additional details.
FSA
Benefit Extras
Flexible Spending Accounts (FSA)
Enrollment for the FSA plans occurs in the fall for the calendar year. 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.
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.
You may contribute as follows:
Traditional Health FSA
- Up to $3,400 annually
- Reimbursements for health, dental, and vision if not participating in the HSA benefit
Limited Purpose FSA
- Up to $3,400 annually
- Only participants who plan to contribute to an HSA can participate
- Reimbursements allowed for dental and vision expenses only
Dependent Care FSA
- Up to $7,500 annually
- Limited to $3,750 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.
Online Access
Available 24/7, www.benefitextras.com is the place to go when you want to:
- Submit a request for reimbursement after you’ve incurred an expense
- Check your balance and account activity
- Check on claims status and view denials, if applicable
- Sign up for features like direct deposit
- Email Customer Service
HSA
The Health Savings Account (HSA) through Optum allows you to set aside pre-tax dollars to pay for eligible expenses. Health savings accounts (HSA) 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.
At enrollment, you select how much money you want deducted from each paycheck (12) on a pre-tax basis to meet your medical needs. You may change your election throughout the year. The IRS limits the amount of contributions employees are allowed each year, as follows:
- $4,400 for a single contract
- $8,750 for a two person or family
- Catch up - if you are age 55 or older, you may make an additional contribution of $1,000
To be eligible for an HSA you must:
- Be covered by an HSA-compatible health plan
- Not be covered by other health coverage that is not an HDHP
- Not be enrolled in TRICARE or Medicare; and
- Not be claimed as a dependent on another person’s tax returns
Benefits of an HSA
- It is portable
- The money in your HSA is carried over from year to year and is yours to keep, even if you leave the company.
- It is a tax-saver.
- HSA contributions are made with pre-tax dollars. Since your taxable income is decreased by your contributions, you’ll pay less in taxes.
- Reimbursement.
- You can get reimbursed for eligible expenses at any time once your HSA account is open as long as you have the funds available.
Responsibilities:
As the account owner, you are responsible for the following:
- Determining eligibility
- Staying within the IRS Maximums
- Maintaining records of all health care documentation
- Filing Form 8889 with your income taxes
Any amounts used for purposes other than to pay for “qualified medical expenses” are taxable as income and subject to an additional 20% tax penalty. After you turn age 65, the 20% additional tax penalty no longer applies. If you become disabled and/or enroll in Medicare, the account can be used for other purposes without paying the additional penalty.
Keep your receipts! If you are audited, you’ll need proof that withdrawals were for qualified eligible expenses. For more information, please refer to IRS.gov.
Minnesota Paid Leave
SiebenCarey will now provide Minnesota Paid Leave to all eligible employees.
When
•Starts January 1, 2026
•Administered by Unum
Who’s Eligible
•Employees who’ve worked in MN and earned ≈ $3,900 in the past year.
•Reside in MN or work 50% or more in MN
When You Can Use PFML
•Your own serious health condition
•Bonding with a new child (birth, adoption, foster)
•Caring for a family member with a serious health condition
•Military family or safety leave
Leave Duration
•12 weeks family leave
•12 weeks medical leave
•Up to 20 weeks total per benefit year
Pay During Leave
•Max weekly benefit: Up to $1,423 per week (State Average Weekly Wage)
•Benefits will be paid through Unum
Cost
•Premiums Funded by payroll premium (starting 2026)
Job Protection
•Your job (or an equivalent) is protected after 90 days of employment
•Notify HR as soon as possible if you have a qualifying event
•Apply for benefits through Unum
•Provide documentation (e.g., medical or family certification)
Please reference the full Paid Parental Leave Policy for details. Contact Patty with questions.
Understanding Your Benefits
Required Notices
Contact Us
As you consider your benefit options, please be sure to review all available information: Intranet, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:
Patty Ammann
612-333-9704
patty.ammann@knowyourrights.com