For Employees

Benefit eligibility depends on your employer's plan and your employment status. Eligible employees may have access to:

• Medical insurance
• Dental insurance
• Vision insurance
• Basic life insurance
• Supplemental life insurance
• Short-term disability insurance
• Long-term disability insurance
• Accident insurance
• Critical illness insurance
• Gap insurance
• Health Savings Accounts (HSAs)
• Flexible Spending Accounts (FSAs)

Refer to your benefit enrollment materials or contact Human Resources for specific eligibility requirements.

You can typically enroll in benefits during:

• Your initial new hire enrollment period
• Annual Open Enrollment
• Following a Qualifying Life Event (QLE)

Enrollment deadlines are important. If you miss your enrollment window, you may need to wait until the next Open Enrollment period unless you experience a qualifying life event.

A Qualifying Life Event allows you to make changes to your benefits outside of Open Enrollment.

Common examples include:

• Marriage
• Divorce
• Birth or adoption of a child
• Loss of other health coverage
• Death of a dependent
• Change in employment status

Benefit changes must typically be requested within a 30 day timeframe after the event. All qualified life events require proof of reason documentation.

Open Enrollment is the annual period when you can:

• Enroll in benefits
• Change medical plans
• Add or remove dependents
• Elect voluntary benefits
• Update benefit elections for the upcoming plan year

Changes made during Open Enrollment generally remain in effect until the next enrollment period unless you experience a qualifying life event.

Medical insurance helps pay for covered healthcare expenses, including:

• Preventive care
• Doctor visits
• Specialist appointments
• Emergency room services
• Hospital stays
• Prescription medications
• Laboratory services

Coverage varies by plan, so it's important to review your Summary of Benefits and Coverage (SBC).

• Deductible - The amount you pay for covered healthcare services before your insurance plan begins sharing costs.
• Copay - A fixed dollar amount you pay for certain services, such as office visits or prescriptions. Co-pays typically do not count towards your deductible.
• Coinsurance - The percentage of costs you pay after meeting your deductible.

Example: If your plan has 80% coinsurance that means once you have met your deductible, your insurance pays 80% of covered expenses and you pay 20%.

The out-of-pocket maximum is the most you will pay for covered healthcare expenses during a plan year.

Once you reach this limit through deductibles, copays, and coinsurance, your health plan typically pays 100% of covered services for the remainder of the calendar year.

In-Network Providers - Healthcare providers that have contracted rates with your insurance company.

Benefits include:

• Lower costs
• Reduced out-of-pocket expenses
• Simplified claims processing
• Out-of-Network Providers

Providers who do not participate in your insurance network.

May result in:

• Higher costs
• Reduced coverage
• Balance billing

Whenever possible, verify provider participation before receiving care.

Dental plans commonly cover:

• Preventive services (cleanings and exams)
• Basic services (fillings and simple extractions)
• Major services (crowns, bridges, dentures)
• Orthodontics (if included)
• Dental implants (if included)
• Coverage percentages and waiting periods vary by plan.

Vision plans may help cover:

• Annual eye exams
• Prescription eyeglasses
• Contact lenses
• Lens enhancements
• Discounts on vision correction procedures
• Coverage varies by plan design.

Life insurance provides a financial benefit to your designated beneficiary if you pass away while covered under the plan.

Many employers provide basic life insurance at no cost to their employees and offer employees the opportunity to purchase additional coverage.

Supplemental life insurance allows you to purchase additional coverage beyond your employer-provided basic life insurance benefit.

Many plans also allow coverage for spouses and dependent children.

Disability insurance helps replace a portion of your income if you are unable to work due to a covered illness or injury.

• Short-Term Disability (STD) - Provides temporary income replacement during short-term absences. Maternity benefits are included with Short-Term Disability plans.
• Long Term Disability (LTD) - Provides ongoing income replacement for extended disabilities.

Accident insurance provides cash benefits for covered injuries resulting from an accident.

Benefits can help pay for:

• Emergency room visits
• Ambulance services
• Fractures
• Follow-up care
• Other qualifying accident-related expenses

Payments are made directly to you and can be used however you choose.

Critical illness insurance provides a lump-sum cash benefit if you are diagnosed with a covered serious illness, such as:

• Heart attack
• Stroke
• Cancer
• Organ failure (if covered)

Benefits can help cover medical bills, household expenses, travel costs, or lost income.

Gap insurance covers expenses that go towards your deductible thereby eliminating the deductible entirely. Gap insurance pays benefits directly to doctors and hospitals or the employee can be sent a reimbursement check for any expenses that went towards the deductible.

Typical expenses covered by Gap insurance are:

• Emergency Room Visits
• Major diagnostic exams such as CT/MRI’s
• Minor diagnostic exams such as X-Rays and bloodwork
• Out-patient surgery
• Hospitalization
• Cost of delivery of a child

An HSA is a tax-advantaged savings account available to individuals enrolled in a qualified High Deductible Health Plan (HDHP).

HSA funds can be used for eligible healthcare expenses, including:

• Doctor visits
• Prescriptions
• Dental expenses
• Vision expenses
• Unused funds generally roll over year after year.

An FSA allows you to set aside pre-tax dollars for eligible healthcare expenses.

Eligible expenses may include:

• Medical copays
• Deductibles
• Prescription medications
• Dental and vision expenses
• FSA rules vary by employer and plan.

You can typically add or remove eligible dependents during:

• New hire enrollment
• Open Enrollment
• Following a Qualifying Life Event
• Documentation may be required to complete the change.

If you have questions about eligibility, enrollment, coverage, claims, or benefit options, contact your Human Resources department or benefits administrator. They can help explain your available benefits and guide you through the enrollment process.

Your benefits package is designed to support your health, financial security, and overall well-being. Taking time to understand and use your benefits can help you make informed healthcare decisions and maximize the value of your total compensation package.

Our company uses Employee Navigator as our online benefits enrollment and benefits management platform.

Through Employee Navigator, you can:

• Enroll in your benefits during your eligibility period
• Review your current benefit elections
• Add or remove eligible dependents
• Update beneficiary information
• Access plan documents and benefit summaries
• Complete Open Enrollment elections
• Report qualifying life events
• View employer-provided and voluntary benefit options

Once you become eligible for benefits, you will receive an invitation email with instructions for creating your account.

If you have already registered, you can log in anytime through: Employee Navigator

Employee Navigator Login: For security purposes, each employee must create and maintain their own login credentials.

On the Employee Navigator login page, select "Forgot Username or Password" and follow the prompts to reset your account credentials.

If you continue to experience issues accessing your account, contact your benefits administratior for assistance.

Yes. Employee Navigator allows eligible employees to:

• Enroll in benefits as a new hire
• Complete annual Open Enrollment
• Update beneficiary information
• Review benefit elections
• Submit changes following a qualifying life event

Some changes may require supporting documentation and approval before becoming effective. Please contact your benefits administrator for support.

Yes. Employee Navigator is available year-round, allowing you to:

• Review your current benefits
• View dependent information
• Access benefit plan documents
• Review beneficiary designations
• Check coverage elections

Please note that changes to benefits elections are generally only permitted during Open Enrollment or following a qualifying life event.

If you need assistance with:

• Account registration
• Login issues
• Enrollment questions
• Benefit elections
• Qualifying life event changes

Please contact your benefits administrator for support.