Table of Content
- Header
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Your 202X [Company Name] Benefits
- To Our Employees:
- How to Enroll
- Open Enrollment (ACTIVE)
- Open Enrollment (Passive)
- Eligibility & Qualifying Events
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Medical & Prescription
- Medical Summary
- Summary of Benefits and Coverage (SBC)
- Prescriptions
- Prescription Summary
- Virtual Visits
- MMO Resources
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United Healthcare Services
- myUHC Member Portal & App
- UHC ID Card
- How to Find In-Network Doctors
- Behavioral Health Virtual Visits
- Maven Maternity & Neonatal Resources
- UHC - Adovcate4Me
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Cigna Services
- Download myCigna Health App
- How to Find In-Network Doctors
- Cigna Case Management
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Anthem Services
- Download Anthem's Sydney Health App
- How to Find In-Network Doctors
- 24/7 NurseLine
- Anthem ID Card
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Spending Accounts
- Health Savings Account (HSA)
- Flexible Spending (FSA) & Dependent Care Accounts (DCARE)
- Health Reimbursement Account (HRA)
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Dental
- Dental Summary
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Vision
- Vision Summary
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Basic Life and Voluntary Life
- Beneficiary Designation
- Guarantee Issue (GI)
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Overview of Short Term & Long Term Disability
- Disability Summary
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Voluntary Benefits
- Critical Illness Insurance
- Accident Insurance
- Hospital Indemnity Insurance
- Long Term Care Insurance
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Resources
- MetLife Resources
- Guardian Resources
- Principal Resources
- Mutual of Omaha
- Employee Contributions
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Employee Assistance Plan (EAP)
- Guardian EAP
- MetLife EAP
- Ease@Work EAP
- Well-being Hub
- Required Annual Notices
- InsurChoice
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Total Rewards
- Company Time off and Holidays
- 401(k) Retirement & Profit Sharing
- FMLA
- Understanding your Benefits
- Carrier Contacts
- Questions?
- Footer
All team members have access to our online benefits enrollment platform 24/7 where you can enroll, select, or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.
- Accessible 24/7
- View all benefit plan options and your elections
- View important carrier forms and links
- Report a qualifying life event
- Make changes to beneficiary designations and more
Helpful Tips To Consider Before You Enroll
Do you plan to enroll an eligible dependent(s)?
- If so, make sure to have their social security numbers and birthdates available. You cannot enroll your dependent(s) without this information.
Have you recently been married/divorced or had a baby?
- If so, remember to add or remove any dependent(s) and/or update your beneficiary designation.
Did any of your covered children reach their age limit for this year?
- If so, they may no longer be eligible for benefits, unless they meet specific criteria
REMINDER: if you wish to participate in a Flexible Spending Account and/or Health Savings Account in 2025, you MUST make an active election each year. Prior elections do not carry over.
Open Enrollment (Passive)
Annual enrollment is your opportunity to learn about the 2025-2026 benefits, review your current coverage and choose the best options for you and your family. Please review this virtual benefit guide to learn more about our benefits offerings.
This annual enrollment will be a "passive open enrollment", which means if you do not make your benefit elections by Friday, April 18th you will remain in the same plan as your current benefits for the 2025-2026 plan year.
Open Enrollment is the one time of year when you can update your elections without experiencing a Qualifying Life Event (QLE). The elections that you make will remain in place until April 30, 2026 unless you notify HR within 30 days of your QLE to be eligible to make new elections.
Attend the Education Session to learn more about ou benefits programs:
November 10th 6:00 am - 7:00 am MST / 8:00 am - 9:00 am EST
A recording will be available to you if you are unable to attend one of these sessions.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
QUALIFYING EVENTS
You can, however, modify your elections under certain circumstances, called "Qualifying Events".
Ready to Enroll?
Complete your enrollment form and hand it in to Human Resources.
When Does My Coverage Start?
- If you are a New Hire or you are newly eligible for benefits [for questions, contact HR], [your coverage will be effective 1st of the month following 30 days from your date of hire.]
- If this is your annual open enrollment, your coverage is effective [1/1/202X]
What is a Qualifying Event?
- Marriage
- Divorce
- Birth/Adoption of a child
- Death of a spouse or other enrolled dependent
- Change in spouse’s benefits or employment status
- A dependent becomes eligible for Medicare or Medicaid
Who are my legal dependents?
- Your legal spouse or domestic partner
- Your children (up to age 26) including natural children, stepchildren, legally adopted children,
children placed for adoption, children for whom you serve as legal guardian
- Disabled dependent child(ren) of any age
Medical & Prescription
[Client Name] offers a medical plan through [Carrier].
A PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room, and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance. The HDHP is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses. An HMO gives you access to doctors and hospitals within the HMO network. But unlike PPO plans, care under an HMO plan is covered only if you see a provider within that HMO’s network.
Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept [Carrier] contract rate as the final charge and the member is not balanced billed.
Looking for more details about how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below.
A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions. Costs must be paid by you at the time of the virtual visit and will apply toward your deductible and out-of-pocket maximum.
WHEN CAN I USE A VIRTUAL VISIT?
When you have a non-emergency condition and:
- your doctor is not available;
- you become ill while traveling;
- When you are considering visiting a hospital emergency room for a non-emergency health condition.
*Your covered children may also use Virtual Visits when a parent or legal guardian is present for the visit.
Examples of Non-Emergency Conditions:
- Bladder infection
- Seasonal flu
- Sinus
- Sore throat
- Stomach
- Rash
- Bronchitis
- Diarrhea
- Fever
- Pink eye
HOW DOES IT WORK?
The first time you use a Virtual Visits provider, you will need to set up an account with that Virtual Visits provider group. You will need to complete the patient registration process to gather medical history, pharmacy preference, primary care physician contact information, and insurance information.
Each time you have a virtual visit, you will be asked some brief medical questions, including questions about your current medical concern. If appropriate, you will then be connected using secure live audio and video technology to a doctor licensed to deliver care in the state you are in at the time of your visit. You and the doctor will discuss your medical issue, and, if appropriate, the doctor may write a prescription* for you.
Virtual Visits doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Costs for the virtual visit and prescription drugs are based on, and payable under, your medical and pharmacy benefit. They are not covered as part of your Virtual Visits benefit.
*Prescription services may not be available in all states.
HOW DO I GET ACCESS?
Learn more about Virtual Visits and access direct links by downloading the [Virtual Visit App Name] App on your phone.
My Health Plan: Access your MMO information 24/7.
A secure website specifically for Medical Mutual members, My Health Plan makes it easy and convenient to manage your plan and your health online.
- Search for In-Network doctors, hospitals, and facilities. For example, a less expensive MRI location
- View your EOB (Explanation of benefits)
- View plan documents
- Members that are located outside of Ohio will utilize the Cigna Network - Please visit the My Health Plan website to find a provider.
- and so much more!!
MedMutual Mobile App
With the Mobile App, you can get access to vital information when you are away from a computer. You can Track Claims and Spending Information, Estimate Costs, Find a Provider, and Access your ID Card. Download the app on the Apple Store or Google Play.
Chronic Management Program
If you suffer from one of the conditions below, this program may be right for you:
- Asthma
- Heart Fairure
- COPD
- Diabetes
- Hypertension
Call (800) 590-2583 to learn more or enroll in the Chronic Management Program.
United Healthcare Services
Interested in the services UHC has available? This section will review the different services you have at your fingertips through UHC.
- myUHC App and Member portal
- How to find an In-Network Dr
- Behavioral Health Visits
- and so much more
Did you know?
UHC has a blog with Member News, Healthy Living, and Health Insurance basic articles. Click on the link below to review!
myUHC Member Portal & App
Check out your UHC member website! Myuhc.com is your one-stop resource for all kinds of information to help you manage your health plan benefits and improve your health. The resources listed below can all be accessed through this member website, and after registering on the myUHC website below, you can access a mobile version of the site.
UnitedHealthcare App
The UnitedHealthcare® app puts your plan at your fingertips. When you’re out and about, you can do everything from managing your plan to getting convenient care. Just download the app to:
- Find nearby care options in your network
- Estimate costs
- Video chat with a doctor 24/7
- View and share your health plan ID card
Download the app on the Apple Store or Google Play or scan the QR code
UHC ID Card
Your UHC insurance card contains all the necessary information you need to use your health insurance. Once you sign up for an Anthem plan, you will receive an Anthem ID card. The ID card envelope will not show that it is coming from Anthem. Be on the lookout for a blank white envelope in the mail.
Maven Maternity & Neonatal Resources
Maven Maternity
Maven offers 24/7 support for pregnancy and postpartum. You can book virtual appointments or message providers. Join groups, access clinically vetted articles and take classes, too.
The best part? Your Maven membership is free through your employer. There are no out-of-pocket costs for Maven visits and resources.
Click the link below to sign up!
Neonatal Resources
Our Neonatal Resource Services (NRS) is a program that is designed to bring hope and comfort to families. During the program, neonatal nurses (registered nurses) can help answer your questions and give you one-on-one compassionate care after your delivery. NRS is completely voluntary and provided at no additional cost, as part of your benefits plan.
.
During the program, your neonatal nurse can help you:
- Work with NICU hospitals to make sure your baby gets the right care.
- Get you ready for life at home with baby — and offer support with breastfeeding and postpartum emotions.
- Arrange for home care services and equipment.
- Answer questions about health benefits and help coordinate preauthorization. ©
To sign up, call 1-866-534-7209, TTY 771, 8 a.m.–5 p.m. CT, Monday–Friday
Cigna Services
Interested in the services Cigna has available? This section will review the different services you have at your fingertips through Cigna.
- Cigna Emotional Health
- Download myCigna Health App
- How to Find In-Network Doctors
- Cigna Case Management
Did you know?
UHC has a blog with Member News, Healthy Living, and Health Insurance basic articles. Click on the link below to review!
Anthem Services
Interested in the services Anthem has available? This section will review the different services you have at your fingertips through Anthem.
- Sydney Health App
- Virtual Visits through the Sydney Health App
- 24/7 NurseLine
- Well-Being Coach
Did you know?
Anthem has a blog with Member News, Healthy Living, and Health Insurance basic articles. Click on the link below to review!
Download Anthem's Sydney Health App
The SydneySM Health app is a free Anthem Blue Cross Blue Shield app that gives you fast and convenient access to your health insurance information right on your phone. It’s like having a personal health assistant in the palm of your hand.
What Can You Do With Anthem’s Sydney App?
Find A Doctor And Check Your Costs
Search for doctors, hospitals, labs, and other health professionals in your plan. You can search by name, location, and type of care. You can even filter by gender or languages spoken, and then check costs before you go to find what’s best for you.
View Your Claims
Check medical claims with one click. That means you can spend more time focused on your health and less on managing your healthcare benefits.
See All Your Health Coverage Benefits
The Sydney app shows you essential information at a glance. Whether that’s an overview of your plan, health reminders, or suggestions for wellness programs. You also can find your deductible, copay, and share of costs.
View And Use Your Anthem Digital ID Card
You’ll always have your most current Anthem ID card handy. You can use it just like a paper one when you visit the doctor, pay for care, and more.
Use The Chat To Find Answers To Your Questions
Just type your questions in the app and receive the answers you’re looking for. Plus, Anthem’s Sydney app can suggest resources to help you understand your benefits, improve your health, and save money.
24/7 NurseLine
24/7 NurseLine serves as your first line of defense for unexpected health issues. You can call a trained, registered nurse to decide what to do about a fever, give you allergy relief tips, or advise you where to go for care. A nurse is always available to help answer your questions.
The Anthem Nurseline can help you with:
- finding care from a doctor, hospital, or specialist in your area.
- enroll you in health management programs through Anthem for certain health conditions.
- remind you about scheduling important screenings and exams.
- provide guidance during natural catastrophes and health outbreaks.
- offer links to health-related educational videos or audio topics.
Call the NurseLine today at (800) 337-4770.
What is the health management program?
Get tools and support for managing chronic conditions:
- diabetes
- asthma
- heart disease
Anthem health advocates can help you follow your healthcare plan.
For more information about the program, call Anthem at (866) 962-1071
Anthem ID Card
Your Anthem Blue Cross Blue Shield insurance card contains all the necessary information you need to use your health insurance. Once you sign up for an Anthem plan, you will receive an Anthem ID card. The ID card envelope will not show that it is coming from Anthem. Be on the lookout for a blank white envelope in the mail.
A Health Savings Account (HSA) is a tax-free savings account that is owned by you, it is 100% vested from day one, and lets 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.
To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).
UNDERSTANDING YOUR HSA
- Pre-tax contributions are deducted through payroll and deposited into your HSA account
- You can use your HSA available funds to pay for qualified medical expenses tax-free
- HSA funds can be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty
- Unused funds remain in your account for future use and roll over each calendar year
- HSAs remain with you even if you change health plans or companies. If you open an HSA and later become ineligible to make contributions, you can still use your remaining funds
- You can change your HSA contribution at any time during the plan year for any reason.
MAINTAINING RECORDS
To protect yourself in the event that you are audited by the IRS, keep records of all HSA documentation and itemized receipts for at least as long as your income tax return is considered open (subject to an audit), or as long as you maintain the account, whichever is longer.
HSA funds may be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty.
HSA Contribution Limits
Voluntary Benefits
[Client Name] 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 employees. Additional benefits include:
- Critical Illness Insurance
- Accident Insurance
- Hospital Indemnity Insurance
- Long-Term Care Insurance
Accident Insurance
A serious injury can cost you a lot of money – not only in medical bills but in things like income from lost work hours. Some injuries are minor, but others are debilitating and require significant medical care. If you get hurt, accident insurance pays you money that you can use to cover personal expenses, bills, and out-of-pocket medical costs. Accident Insurance can pay a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious events.
Who Gets Paid? You get paid!
- When you are paid a benefit from Accident Insurance, your health insurance company pays your doctor or hospital, but your Guardian Accident insurance pays you.
- You can use the money however you want.
Examples of what's covered
- Accidental Death coverage for Employee, Spouse, and Child
- Ambulance
- Concussions
- Hospital Admission
Hospital Indemnity Insurance
Hospital indemnity insurance can cover some of the costs associated with a hospital stay, letting you focus on recovery. Being hospitalized for illness or injury can happen to anyone, at any time. While medical insurance may cover hospital bills, it may not cover all the costs associated with a hospital stay.
What Does it Cover?
- If you are admitted to a hospital for a covered sickness or injury, you'll receive payments that can be used to cover all sorts of costs, including deductibles and co-pays, travel to and from the hospital for treatment, childcare service assistance while recovering, and much more.
Who Gets Paid? You get paid!
- Hospital indemnity insurance is portable and payments are made directly to you- even if you didn't incur any out-of-pocket expenses. You can use the money however you want.
MyBenefits member portal: Access your MetLife information 24/7.
A secure website specifically for MetLife members, the MetLife member portal makes it easy and convenient to manage your plan and your health online.
- Access to all of your plan information and self service capabilities
- View your EOB (Explanation of benefits) and claims status.
- View plan documents
- and so much more!!
Estate Planning Services
Offering unlimited access to create and execute key estate planning documents online by answering a few simple questions, or unlimited face-to-face access with a MetLife Legal Plans’ attorney to prepare or update a will, living will, Power of Attorney and other estate documents. Will preparation services are also available via willscenter.com.
Funeral Discounts and Planning Services
Alleviating the burden of making funeral arrangements from their loved ones. Employees get exclusive access to the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services.
Retirement Planning
Helping employees retire with confidence. Employees can attend workshops that offer comprehensive retirement and financial education to help them plan for the future through Retirewise®.
Travel Assistance
Giving financial security while traveling. Employees can access medical, travel, and concierge services— 24 hours a day, 365 days a year, while traveling domestically or internationally.
WillPrep Services offers a range of will preparation services.
For eligible members with voluntary term life plans, the services include online planning documents, a resource library and access to professionals to help with issues
related to:
- Advanced health care directives
- Estate taxes
- Executors & probate
- Financial power of attorney
- Getting organized
- Guardianship and conservatorship
- Healthcare power of attorney
- Living wills
- Trusts
- Wills
Estate planning documents
Policyholders have access to a number of necessary planning documents such as wills, healthcare powerof attorney, financial power of attorney and living wills.
Attorney-assisted will and trust preparation
While many people feel comfortable using the services’ interactive web-based program to develop their own will free of charge, others prefer to have an attorney actually
prepare the will or trust. The option for an attorney-prepared will is available for a modest charge.
TravelAid through uprisehealth
A comprehensive Assistance Services program providing 24/7 emergency medical and travel assistance services when you are outside your Home Country or 100 or more miles away from your primary residence in your Home Country. The program also provides emergency security assistance services when you are outside of your Home Country. Expatriates are eligible for medical services while in your Host Country, while traveling outside of your Home Country, or while traveling within your Home Country 100 or more miles away from your primary residence. Expatriates are eligible for security services while in your Host Country or when traveling outside of your Home Country.
Laser Vision Correction
Employees, their spouses and dependent children save $800 with featured providers LasikPlus, TLC Laser Eye Centers or The LASIK Vision Institute or receive 15% off
standard pricing or 5% off promotional pricing on LASIK through the National Lasik Network administered by LCA Vision.
Hearing Aid Program
Through Start Hearing, employees and their families are eligible for up to 48% off hearing aids.
Travel Assistance
Employees, their spouses, and dependent children (whether traveling together or separately) have access to travel, medical, legal, and financial assistance plus emergency
medical evacuation benefits are provided by AXA Assistance¹ when traveling domestically or internationally more than 100 miles from home for up to 120 consecutive days.
- Participants are responsible for any incurred fees or expenses. Insured transportation services are administered by AXA Assistance USA, Inc. and underwritten by a third-party licensed insurance company.
- This service is not part of the coverage and may be changed or discontinued at any time. AXA Assistance USA, Inc. is not a member of the Principal Financial Group
Will & Legal document center
Employees and their spouses have free access to resources and tools provided by ARAG® to prepare a will, living will, healthcare power of attorney, durable power of
attorney, HIPPA authorization, and medical treatment authorization for minors. Estate planning resources and a personal information organizer are also included.
Beneficiary Support
Beneficiaries receive grief support services from Magellan Healthcare. Financial professionals are available to help beneficiaries with insurance proceeds. Spouses and dependents also receive three months of free online access to will preparation services provided by ARAG.2
EAP (Employee Assistance Program)
Employees and their families can meet with a licensed, EAP professional in person, via text message, or by live chat, video, or phone sessions for 3 counseling sessions per
year. Additional services include:
- Legal/financial services – provides resources for legal, financial, and identity theft issues.
WillPrep Services offers a range of will preparation services.
For eligible members with voluntary term life plans, the services include online planning documents, a resource library and access to professionals to help with issues
related to:
- Advanced health care directives
- Estate taxes
- Executors & probate
- Financial power of attorney
- Getting organized
- Guardianship and conservatorship
- Healthcare power of attorney
- Living wills
- Trusts
- Wills
Estate planning documents
Policyholders have access to several necessary planning documents such as wills, healthcare power of attorney, financial power of attorney and living wills.
Attorney-assisted will and trust preparation
While many people feel comfortable using the services’ interactive web-based program to develop their own will free of charge, others prefer to have an attorney actually
prepare the will or trust. The option for an attorney-prepared will is available for a modest charge.
TravelAid
A comprehensive Assistance Services program providing 24/7 emergency medical and travel assistance services when you are outside your Home Country or 100 or more miles away from your primary residence in your Home Country. The program also provides emergency security assistance services when you are outside of your Home Country. Expatriates are eligible for medical services while in your Host Country, while traveling outside of your Home Country, or while traveling within your Home Country 100 or more miles away from your primary residence. Expatriates are eligible for security services while in your Host Country or when traveling outside of your Home Country.
Ease@Work can help you reduce stress, improve mental health, and make life easier by connecting you to the right information, resources, and referrals. All services are free, confidential, and available to you and your family members. This includes access to short-term counseling and a wide range of services.
- Mental Health Sessions Manage stress, anxiety, and depression, resolve conflict, improve relationships, overcome substance abuse, and address any personal issues.
- Life Coaching Reach personal and professional goals, strengthen relationships, and build balance.
- Financial Consultation Build financial wellness related to budgeting, buying a home, paying off debt, managing taxes, preventing identity theft, and saving for retirement or tuition.
- Legal Consultation Get help with personal legal matters including estate planning, wills, real estate, bankruptcy.
- Work-Life Resources and Referrals Obtain information and referrals when seeking childcare, adoption, special needs support, eldercare, housing, transportation, education, and pet care.
- Personal Assistant Save time with referrals for travel and entertainment, seeking professional services, cleaning services, home food delivery, and managing everyday tasks.
- Medical Advocacy Get help navigating insurance, obtaining doctor referrals, securing medical equipment or transportation, and planning for transitional care and discharge.
- Wellness Build holistic well-being with wellness coaching.
- Member Portal and App These digital tools enable you to access your benefits 24/7/365 with online requests and chat options.
Call: 800-521-3273
Visit: easeatwork.com & select Member Portal & App
Portal Code: [password]
Well-being Hub
In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. We recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support the improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of the team.
To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.
Required Annual Notices
Federal regulations require employers to provide certain notifications and disclosures to all eligible employees. The compliance packet linked is dedicated to those disclosures for your [Add Dates] plan year. If you have any questions or concerns please contact your HR Department.
InsurChoice
All-around protection for what matters most to you — spanning the entire breadth of NFP’s focused expertise.
Key benefits include:
- Competitive pricing: One size doesn’t fit all, so you can match yourself with the best rates and coverages from multiple insurance companies.
- Custom-tailored coverage: Select the products that meet YOUR needs & YOUR schedule.
- Stability: We have relationships with key national carriers who have a proven track record of rate and coverage stability.
- Innovation: With our innovative digital product platform we are constantly striving to add more benefits and improve your experience.
For more information, scan or click the QR code below or email us at InsurChoice@nfp.com
Company Time off and Holidays
Paid Time Off (PTO)
PTO is available to eligible employees to provide opportunities for rest, relaxation, personal pursuits, sick days, and time off to care for family members.
- Regular full-time employees begin accruing PTO on their date of hire.
Please remember that all PTO should be scheduled at least 2 weeks in advance or per supervisor’s request. For more information on PTO, refer to [add HRIS system] or the Employee Handbook.
Company Paid Benefits
Company Paid Holidays
- Wednesday, January 1 - New Year's Day
- Monday, January 20 - Martin Luther King, Jr. Day
- Monday, May 26 - Memorial Day
- Friday, July 4 - Independence Day
- Monday, September 1 - Labor Day
- Thursday, November 27 - Thanksgiving Day
- Friday, November 28 - Day after Thanksgiving
- Wednesday, December 24 - Christmas Eve (Observed)
- Thursday, December 25 - Christmas Day (Observed)
401(k) Retirement & Profit Sharing
Saving for retirement is one of the most important financial goals you’ll ever set. Having a strong retirement plan will give you more freedom and control over your lifestyle down the road, ensuring a financially secure future for you and your family.
[Company Name] 401(k) Retirement Savings Plan At-a-glance
Enrollment is automatic:
You will be automatically enrolled in the 401(k) plan after you become eligible. Re-enrollment each year is also automatic.
Access your account online.
For information about your retirement plan benefits, head to gray.trsretire.com to create or sign into your account.
Who can participate?
All full-time members are eligible to participate once the following criteria are met:
- Must have completed [eligibility waiting period], with no break in employment.
- After all criteria has been satisfied, you will enter the plan on January 1 (whichever date comes first after you become eligible).
Contact Information
401(k): For questions on the 401(k) please call [Carrier Name and Phone Number].
FMLA
Any time you are missing work due to your serious medical condition or the care of a family member’s condition, please follow the steps below:
- Contact your Supervisor or Human Resources
- Call toll-free at [Phone Number] to initiate your claim as soon as your leave begins. Your claim can be initiated Monday through Friday, between the hours of [add hours available]. Please be prepared to provide the following information:
- Your Group # is [Group Number]
- Your name, social security number, address and telephone number
- Physician’s name, address, phone and fax numbers
- Please sign the authorization on the back and provide a copy to your treating physician(s)
- After your claim has been initiated, for questions regarding ongoing claim status, you may call [Phone Number] to speak with a Representative.
About Family Medical and Leave
- The Family Medical Leave Act (FMLA) is the federal law that provides up to 12 weeks or 26 weeks of unpaid job-protected leave during a 12-month period (which need not be consecutive).
- Qualifying events for the FMLA:
- Birth of a child
- Adoption of a child
- Care of an immediate family member with a serious health condition
- Immediate family member includes: spouse, child or parent
- An employee’s own serious health condition
- Military leave
- Caregiver leave
- Qualified Exigency
- Leave can be taken in one of three ways:
- Continuous – one unbroken block of time
- Intermittent – leave used in blocks of time that start and stop throughout an approved period for leave
- Reduced Schedule – leave taken by an employee working less hours a day and/or fewer days a week
For more information or if you have any questions on the program or the FMLA, please contact your HR department.