Welcome
Helping you and your family reach and maintain good health is very important to Trucent. We are 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.
Overview
Trucent is committed to providing a competitive, cost-effective benefit program. Please review your 2022 Benefits Guide for information on all of your benefits.
Enrollment
To enroll in your benefits or review your elections made during open enrollment please visit: www.TrucentConnection.com
The Benefit choices you make during your initial enrollment or open enrollment remain in effect all year long.
You can, however, modify your elections under certain circumstances, called "Qualifying Life Events (QLE)" 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 the QLE Video at the bottom of this page or contact Human Resources if you have questions about qualifying events.
MEDICAL
Blue Cross Blue Shield of Michigan - www.bcbsm.com
You have two medical plan options, detailed benefit summaries for each can be found below:
- PPO HSA 1400
- PPO 750
DENTAL
Delta Dental - www.deltadentalmi.com
Our 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. Review your benefit guide for coverage details.
VISION
We offer vision coverage through VSP 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 VSP Network. Review your coverage details in your Benefit Guide.
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
HSA (HEALTH SAVINGS ACCOUNTS)
A Health Savings Account (HSA) is a tax-free savings account is owned by you, is 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.
FSA (FLEXIBLE SPENDING ACCOUNTS)
The Health Care, Limited Purpose and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to an FSA you reduce your taxable income, so you pay less in taxes — which saves you money.
HEALTH CARE FSA
- You may contribute up to $2,850 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
LIMITED PURPOSE FSA
- You may contribute up to $2,850 annually
- If you are enrolled in an HDHP – you are only able to participate in a Limited Purpose FSA
- Limited Purpose FSA can over cover the costs for qualified dental and vision expenses for yourself and dependents – not able to cover any qualified medical expenses
DEPENDENT CARE FSA
- You may contribute up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
- Eligible expenses include care for your dependent child, spouse, parent or grandparent who are incapable of caring for themselves
LIFE & DISABILITY
We provide all team members with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability through Mutual of Omaha.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for twice your salary, to a maximum of $50,000, in 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.
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. Your coverage through Mutual of Omaha pays 60% of your income to a maximum of $1,500 per week.
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 are equal to 60% of covered monthly earnings up to $9,000 for full-time employees.
Please consult your Employee Benefits Guide for additional details.
UNDERSTANDING YOUR BENEFITS
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Intranet, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact the Human Resources Department.