ADP will be used to complete your enrollment elections.
The benefit choices you make during your initial 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.
BlueCross BlueShield of North Dakota (BCBSND)
BCBSND administers your medical and prescription drug benefits. The medical plans include prescription drug benefits, which covers prescriptions at participating pharmacies and mail-order maintenance drugs.
To find out if your provider is in-network, please visit the BCBSND website below and use find a provider resource tool.
TMI Group's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Employee contributions have increased slightly. Please review your Benefits Guide for more details on premiums.
To find out if your provider is in-network, please visit the Delta Dental website below.
Avesis Vision Plan
TMI Group offers vision coverage through Avesis to help pay for eye exams, prescription glasses and contact lenses. With the carrier change, the frame allowance has increased to $175. Please review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the Avesis website below.
Basic Life/AD&D and Voluntary Life/AD&D
TMI provides you with Basic Life and AD&D coverage. You have the option to enroll in Voluntary Life/AD&D coverage through MetLife.
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.
Voluntary Short Term Disability
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. You have the option to enroll in Short Term Disability coverage through MetLife. Benefits begin after a 14 day waiting period. You may choose benefit payments including 60% of earnings ranging from $50 to $1,000 per week, in $25 increments. Benefits pay up to 26 weeks.
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. TMI pays for the cost of Long Term Disability coverage administered through MetLife. Benefits begin after a 90 day elimination period. Benefits are equal to 60% of covered monthly earnings up to $8,000 per month. Benefits pay up to Social Security Normal Retirement Age. LTD payments are a taxable benefit.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
Health Savings Account
The Health Savings Account (HSA) allows 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 BlueSaver High Deductible Health Plan (HDHP). Once you are enrolled, you will open a HSA through Wex Health (previously Discovery Benefits). Those are currently enrolled in the HSA will continue to use the Discovery Benefits card until they expire. If your card is due to expire, you will receive a Wex Health branded card.
2023 IRS maximum
TMI will make the following contributions to your HSA:
Employee Maximum Contribution
Keep in mind the employer contribution and your contribution cannot exceed the overall IRS maximum. You may change the amount you contribute throughout the year.
Flexible Spending Accounts
TMI offers employees the opportunity to enroll in health care and dependent care flexible spending accounts (FSAs) for eligible employees, administered by Wex Health (previously Discovery Benefits). These accounts allow you to pay for eligible health and dependent care expenses with pretax dollars. 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.
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 Care FSA
Limited Health Care FSA
Dependent Care FSA
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 30th annually to file your claims. Any funds after March 30 unclaimed will be forfeited.
TMI Group 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 option employee paid benefits which help to provide financial support to employees. Additional benefits include:
Filing a Claim
Benefit Video Overviews