Tire Discounters

Table of Content

  1. Header
  2. Page
    1. Benefits Overview
    2. Enrollment
    3. Medical
    4. Health Savings Account (HSA)
    5. Flexible Spending Account (FSA)
    6. Dental
    7. Vision
    8. Life
    9. Disability
    10. Voluntary Benefits
    11. Additional Resources
    12. Contact Us
  3. Footer

Benefits Overview

Tire Discounters remains committed to providing a competitive, cost-effective benefit program. We are implementing many changes and additions for the 2023-2024 plan year, which we hope will be positively received by you and your families.


Please review your 2023-2024 Open Enrollment Employee Benefits Guide for information on all of your benefits.


Medical: Your medical coverage will continue with Anthem for the 2023-2024 plan year, with the following plan offerings:


HSA Plan

HRA Plan

PPO Plan


Dental: Your dental coverage is through Delta Dental.


Vision: Your vision coverage is through EyeMed.


Basic Life and AD&D: Offered to all full-time employees at no cost.


Voluntary Life and AD&D: Provided through New York Life.


Disability: Short and Long-Term Disability offered through New York Life.


Worksite: Accident, Critical Illness and Hospital Indemnity coverage offered through Cigna.

Enrollment

Enrolling in benefits is easy as 1-2-3!


Login to Make Your Open Enrollment Selections:


UKG (ew31.UltiPro.com) Click on -> Myself -> Open Enrollment


If you need additional information on benefits, go to the UKG homepage. If you still have questions, our tHRrive team can help at benefits@tirediscounters.com

 

OPEN ENROLLMENT: Open Enrollment is your annual opportunity to make changes to your benefits: adding or deleting dependents or coverage. Your next opportunity to make changes will be at the next open enrollment unless you have a qualifying life event.


What is a Qualifying Life 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

 

If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.


DEPENDENT ELIGIBILITY: You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.

Your Legal Spouse: You must submit a copy of your marriage license, if you have submitted documentation previously, you do not need to resubmit.

Your Dependent Children: Children are eligible up to the end of the month of 26th birthday regardless of marital or student status. You must submit a copy of each child's birth certificate, if you have submitted documentation previously, you do not need to resubmit.

What is a Qualifying Life Event?

What is a Qualifying Life Event?

Medical

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What is an HDHP

What is an HDHP

Health Savings Account (HSA)

Understanding an HSA

Understanding an HSA

A Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible expenses. By contributing to an 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 a High Deductible Health Plan (HDHP).


You may contribute as follows:

$3,850 for a single contract

$7,750 for a two-person or family

Flexible Spending Account (FSA)

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:

Health Care FSA

  • Up to $3,050 annually
  • All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
  • Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses


Dependent Care FSA

  • Up to $5,000 annually
  • Limited to $2,500 if you are married and file separate tax returns


How the Plan Works

You must incur your eligible expenses during the plan year — July 1 to June 30. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service.

HSA vs. FSA

HSA vs. FSA

Dental

Tire Discounters' dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Delta Dental 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 and claims may not be submitted on your behalf.


To find out if your provider is in-network, please visit the Delta Dental website.


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Dental Insurance Overview Video

Dental Insurance Overview Video

Vision

Vision Insurance Overview

Vision Insurance Overview

DID YOU KNOW?

  • Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
  • Babies should receive their first professional eye exam at 6 months
  • 80% of learning in the first 12 years comes through the eyes


Tire Discounters offers vision coverage through EyeMed to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the EyeMed Network. Review your coverage details in your Benefit Guide.



Go to: Find a Vision Provider

Life

Basic Life/AD&D

Full-time employees receive $15,000 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

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.


Life/AD&D Insurance Overview

Life/AD&D Insurance Overview

Disability