team member benefits guide

Team Member Benefits Guide

July 1, 2021 – June 30, 2022

Open Enrollment Information 1

Eligibility & Dependent Information 2-3

Medical Insurance 4-5

Prescription Drugs 6

Tips & Resources 7

Access to Immediate Care 8

Dental Insurance 9

Vision Insurance 10

Focus Five Wellness Program 11

Life Insurance 12-13

Disability Insurance 14

Flexible Spending Account (FSA) 15

Allstate Supplemental Products 16

Consumerism Card 16

Pet Insurance 17

401(k) 18

Paid Time Off (PTO) 19

Employee Assistance Program (EAP) 20

Important Contacts 21

Dear Team Members , Welcome to the Team Focus Team! We look forward to a long and successful working relationship with you. We recognize that our team members are our most valuable resource. Therefore, we strive to provide competitive salaries and a comprehensive benefits program designed to meet everyone’s individual needs. This New Hire Benefits Information Guide provides an overview of the benefits we offer. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family. The plans selected will be effective for your initial eligibility date through June 30, 2022. We are also excited to introduce you to our wellness program Focus on Me. We invite you to participate in the Focus Five incentive rewards program where you can earn wellness dollars for taking a preventative action in your personal health. In addition, we encourage you to join us for various wellness activities and events throughout the year. Check out the program details on page 11 and be sure to get enrolled. You will be invited to an enrollment meeting during orientation, stay tuned for additional information. Your HR team is here to answer questions and get you the information you need so that you can choose the best coverage for you and your family. Again, welcome to the team! Best Regards,

Laura DeCespedes Chief Human Resources Officer

What’s Inside

Benefit Election Changes

Under Section 125 of the Internal Revenue Service (IRS) code, you are allowed to pay for certain group insurance premiums with tax free dollars. However, you must make your benefit elections carefully, including the choice to waive coverage. Your pre-tax elections will remain in effect until the next annual Open Enrollment period unless you experience an IRS approved qualifying change in status.

Qualifying Events Examples of qualified family status change events include:

1. Special Enrollment Events (Add coverage).

• Involuntary loss of other group coverage

• Acquire a new dependent through marriage, birth or adoption

• Change in Medicaid or CHIP eligibility

2. IRC Section 125 Status Change Events (Add, cancel or change coverage).

• Involuntary loss or gain of other group coverage

• Divorce

• Death of covered dependent

• Change in employment status

• Medicare Entitlement

You should verify the eligible events with Human Resources. You must notify Human Resources within 30 days of an event (60 days in the case of Medicaid or CHIP eligibility). This information is not accounting, tax, or legal advice—please contact your accounting, tax, or legal professional for such guidance. This information should not be relied upon as advice regarding any individual situation. It is a general outline of covered benefits and does not include all the benefits, limitations, and exclusions of the policy. If there are any discrepancies between the illustrations contained herein and the insurance carrier proposal or contract, the insurance carrier materials prevail. See insurance company contract for full list of exclusions.

Your Open Enrollment Checklist

✓ Attend an Open Enrollment Meeting

✓ Review the Benefits Guide

✓ Visit www.mycigna.com for In-Network providers

✓ Ask questions and get clarification

✓ Make your elections in UltiPro:

o From the main menu – select Myself

o Under Myself – click on Open Enrollment

o Click on Open Enrollment 2021

o For FSA elections – click on FSA Enrollment 2021

✓ To enroll in an Allstate Supplemental Product,

contact Benefit Technologies at 561-922-3960

✓ To enroll in the New Benefits Consumerism Card,

contact Human Resources for the enrollment form

✓ To enroll in Pet Insurance, visit Nationwide at

www.petinsurance.com/teamfocusins

✓ Review important annual required notices on the

UltiPro homepage. The following notices are

included:

o Special Enrollment notice

o Exchange Notice

o CHIP Notice

o Women’s Health and Cancer Rights Act Notice

o Medicare Part D Notice

o Cigna Plan Summaries of Benefits and Coverages

http://www.mycigna.com/

http://www.petinsurance.com/teamfocusins

Eligibility

Team Member Eligibility All regular full-time team members working at least 30 hours per week will be eligible for benefits on the 1st of the month following date of hire. Dependent Eligibility You may also elect coverage for your dependents including:

• Your spouse

• A domestic partner

• Your dependent children

Proof of Dependency

Proof of dependency may be required at time of enrollment. Examples of acceptable documentation include:

Proof for Dependent Child

• Birth Certificate

• Document from Hospital with Name and Birth Date

• Adoption papers

• Legal Guardianship substantiated by a Court Order

• Medical Support Court Order

Proof for Dependent Spouse or Domestic Partner

• Proof of common residence (example: utility bill)

• Proof of financial interdependency (example: shared bank statement)

• Most recent year’s 1040 Married filing jointly federal tax return that lists the spouse

• Marriage License

• Affidavit You should verify the acceptable documentation with Human Resources. Please be sure to submit your documentation to Human Resources during the enrollment period.

2

Dependent Definitions A Dependent Child consists of: The team member’s children or the children of the team member’s spouse. This includes natural children, legally adopted children, step children, children placed for adoption, children under legal guardianship substantiated by a court order and living with the team member and children who are entitled to coverage under a medical support order. Dependent children’s spouses and/or children are not eligible dependents of the team member. Children of a Domestic Partner consist of: The children of the domestic partner, including natural children, legally adopted children and children under legal guardianship substantiated by a court order. These children are eligible for dependent coverage if they are primarily dependent on the domestic partnership for support, reside with the domestic partners in a regular parent child relationship, meet the age/school requirements of the benefit plan and meet the definition of an eligible child under the Internal Revenue Service Code § 152.

Dependent Children

Your dependent child’s eligibility varies by line of coverage. Eligibility remains in effect through the end of the calendar year in which your dependent reaches the maximum age as indicated below: Medical

─ Up to 26 years old, or ─ Up to 30 years old if the child:

• Is unmarried and does not have a dependent of his or her own;

• Is a resident of this state or a full-time or part-time student; and

• Is not provided/offered coverage as a named subscriber, insured, enrollee, or covered person under any other group, blanket, or franchise health insurance policy or individual health benefits plan, or is not entitled to benefits under Title XVIII of the Social Security Act.

Dental & Vision

─ Up to 26 years old Life

─ Up to age 19, or ─ Up to age 25 if full-time student

Human Resources will notify you when a dependent becomes ineligible for coverage. Proof of eligibility may be required when extending based on qualifications.

3

Medical Insurance We offer three (3) Cigna medical plan options. All three plans are Open Access, so referrals from your Primary Care Physician (PCP) are not required to visit a Specialist. LocalPlus Open Access Plus In-Network Plan (HMO) Cigna has developed a local network called LocalPlus in order to offer members quality and cost-effective health care coverage. The Cigna LocalPlus network includes all hospitals in the Open Access Plus network and a select group of local, quality health care professionals. Refer to the listing of Cigna’s LocalPlus service areas and major physician groups and hospital systems. This plan only provides coverage for services performed by providers in the plan’s network, with the exception of true emergencies. In service areas where the LocalPlus Network is not available, members can access doctors and hospitals in Cigna’s national Away From Home (Open Access Plus) Network and receive coverage at the in-network level. Open Access Plus In-Network Plan (HMO) This plan only provides coverage for services performed by providers in the plan’s network, with the exception of true emergencies. The plan utilizes Cigna’s national Open Access Plus network. Open Access Plus Plan (PPO) This plan provides In-Network and Out-of-Network benefits. In-Network services yield the highest level of benefits with the lowest out-of-pocket expenses because services are paid based on contracted rates.

Before you enroll, verify network coverage…

Follow these simple steps to confirm the providers and facilities you will seek care from are in network. ▪ Visit www.cigna.com ▪ Click on “Find a Doctor, Dentist or Facility.” ▪ Choose “Plans through your employer or school” ▪ Enter your search criteria for a provider or facility ▪ Choose the “LocalPlus” network for the LocalPlus plan ▪ Choose the “Open Access Plus” network for the Open

Access Plus HMO and PPO plans

LocalPlus

Service Area ▪ Broward, Martin, Miami-Dade, Monroe,

Palm Beach and St Lucie counties ▪ Also available in Orlando and Tampa Major Physician Groups ▪ Cleveland Clinic Physician Group ▪ Medical Specialists of the Palm Beaches ▪ Miami Children's Physician Group ▪ University of Miami Physicians ▪ Holy Cross Medical Group ▪ VitalMD ▪ Gastro Health, PL ▪ Pediatric Associates Major Hospital Systems ▪ Baptist Health South Florida ▪ Bethesda Medical ▪ HCA ▪ Jupiter Medical Center ▪ Martin Memorial Medical Center ▪ Memorial Healthcare System ▪ North Broward Hospital District ▪ Tenet System ▪ University of Miami LocalPlus - Other States Cigna LocalPlus Markets are expanding and available in several other states throughout the United States including select markets in: ▪ Georgia ▪ Illinois ▪ Massachusetts ▪ Rhode Island ▪ South Carolina ▪ Tennessee ▪ Texas Verify network coverage at www.cigna.com

http://www.cigna.com/


LocalPlus Open Access Plus

(HMO)

Open Access Plus

(HMO)

Open Access Plus (PPO)

In Network Benefits

Calendar Year Deductible (CYD)

Single / Family $1,000 / $3,000

Single / Family $1,000 / $3,000

Single / Family $500 / $1,500

Coinsurance 20% 20% 20%

PCP Visit $20 copay $20 copay $20 copay

Specialist Visit $40 copay $40 copay $40 copay

Express Clinics $20 copay $20 copay $20 copay

Urgent Care $50 copay $50 copay $50 copay

Emergency Room $250 copay $250 copay $200 copay

Inpatient Hospital 20% after CYD 20% after CYD 20% after CYD

Outpatient Surgery 20% after CYD 20% after CYD 20% after CYD

Out-of-Pocket Maximum1

Single / Family $4,000 / $8,000

Single / Family $4,000 / $8,000

Single / Family $4,000 / $8,000

Out of Network Benefits

Calendar Year Deductible (CYD)

Not Applicable Not Applicable

Single / Family $1,000 / $3,000

Coinsurance

Not Applicable Not Applicable 50%

Out-of-Pocket Maximum1

Not Applicable Not Applicable

Single / Family $8,000 / $16,000

1Out-of-Pocket Maximum includes deductible, coinsurance, and co-pays, excluding Rx.

Refer to SBC and SPD for more details

Definitions

Calendar Year Deductible (CYD) – The amount each member or family must pay before Cigna and the member each pay their portion of the bill.

Coinsurance – The sharing of health care expenses for covered services between the member and Cigna.

Copayment – The dollar amount required to be paid by a member to a Provider when services are rendered.

Inpatient – A patient who is admitted for an overnight stay in a medical facility (i.e. hospital).

Network – The group of Providers who are approved for services and are available for treatment under Cigna’s contract.

Outpatient – A patient who receives treatment at a hospital or an outpatient facility without being admitted overnight.

Out-of-Pocket Maximum – The maximum dollar amount that each member will pay each plan year. Once the out-of-pocket maximum is reached, Cigna will pay 100% for the remainder of the plan year.

Primary Care Physician (PCP) – A Physician who provides medical services to members.

Specialist – A Physician who limits practice to specific services (i.e. Surgery, Radiology, Pathology), certain body systems (i.e. Dermatology, Orthopedics, Cardiology), or types of diseases (i.e. Allergy, Oncology).


(HMO)

Open Access Plus

(HMO)

Open Access Plus (PPO)

Retail (30 day supply)

Tier 1 $15 copay $15 copay $15 copay



Tier 4 20% to $100 max/script 20% to $100 max/script 20% to $100 max/script

Mail Order (90 day supply)

2.5 x retail copay 2.5 x retail copay 2.5 x retail copay

Rx Out-of-Pocket Maximum1

$2,000 / $4,000 $2,000 / $4,000 $2,000 / $4,000


(HMO)

Open Access Plus

(HMO)

Open Access Plus

(PPO)

Team Member Only $ 39.45 $ 63.44 $ 76.80

Team Member + Spouse

$120.48 $148.18 $264.41

Team Member + Child(ren)

$115.92 $142.95 $259.12

Family $267.69 $317.41 $422.85

1Rx Out-of-Pocket Maximum applies to Rx copays only.

Medical/Prescription Plans Bi-Weekly Payroll Contributions

Refer to SBC and SPD for more details

Step Therapy

Step Therapy through Cigna’s Pharmacy Management involves a two or three “step” sequence of medication used to treat certain conditions including high blood pressure, high cholesterol, and stomach acid conditions. Members are required to try a “first step” medication, generally a generic, before stepping to a higher cost medication, if medically necessary. Physicians can request prior authorization for a second or third step medication for the medical necessity by contacting Cigna directly. Coverage will be provided for an affected medication (new and existing prescriptions) for a 60-day grace period. You will then receive an education letter so you can speak to your physician to determine if a more cost-effective prescription is appropriate and/or discuss how to submit a request for authorizations. Future refills of impacted medications will not be covered unless prior authorization is obtained. Contact Cigna for more information. Specialty Pharmacy Accredo is Cigna’s Preferred Specialty Pharmacy. If you have a complex medical condition, Accredo can fill and deliver your specialty medication to your home (or location of your choice). Accredo’s specialty trained pharmacists and nurses are available 24/7. If you would like to speak with an Accredo representative call 1(877) 826-7657 Monday-Friday, 7:00 am – 10:00 pm and on Saturdays, 7:00 am – 4:00 pm Central Time.

Bapt

Prescription Drugs

The prescription drug program is also through Cigna. We have included information regarding the Step Therapy Program and Mail Order Program.

1. Look into discount generic drug programs offered by local pharmacies.

Publix

FREE select Antibiotics (up to 14-day supply) FREE Amlodipine (up to 90 day supply)

FREE Lisinopril (up to 90 day supply) FREE Metformin (up to 90 day supply)

90-day supply of common medications for $7.50

Wal-Mart 30-day supply for $4

90-day supply for $10

Winn Dixie

FREE select Antibiotics and Maintenance Medications

30-day supply for $4 90-day supply for $10

1. Research brand name drug rebates online. Many manufacturers offer discounts/rebates.

2. Look into freestanding surgical and diagnostic centers. If you

need surgery, you might save money by having it performed at an ambulatory surgical center (a clinic that is not associated with a hospital.) These sites usually charge less than hospitals or their outpatient surgical centers. Freestanding diagnostic centers are also available and tend to charge less for certain tests like MRIs, CAT scans, X-rays and bone density scans. Always make sure the facility is in your plan’s network and that your plan’s benefits cover the service.

3. Use in-network providers. Participating providers generally charge discounted rates for plan members. When you go to a non-participating provider you will likely pay a higher coinsurance percentage and will likely have to pay the difference in price between the participating provider’s discounted fee and the non-participating provider’s “regular” fee.

- Membership fees may apply

- Offers are subject to change

Here are some helpful tips and resources to help you save time, money and successfully navigate the complexities of health care and pharmacy benefits.

Money and Time Saving Tips and Resources

5. Cigna One Guide. If you are enrolled in a Cigna Medical Plan, you have access to Cigna’s One Guide® service, which can help you make smarter, informed choices and get the most from your plan. It combines the ease of a powerful app with the personal touch of live service. One Guide personal support, tools and reminders can help you stay healthy and save money. You’ll receive guidance on more complex issues, beyond the standard customer service offerings including help with understanding your plan and accessing care. To start using the Cigna One Guide today, call the number of the back of your Cigna Medical ID card and download the MyCigna app.

6. Health Advocate. Health Advocate is a free

program to Team Focus team members that provides you with your own personal health advocate to help with your entire family’s healthcare needs. Through this program you can receive assistance to navigate the healthcare system and maximize your healthcare benefits. Services include clinical, coaching, administrative and personal health advocate assistance. They can help: ▪ Find the best doctors and hospitals ▪ Locate and research treatments for a

medical condition ▪ Secure second opinions ▪ Help prepare patients for healthcare

appointments ▪ Help members better understand their

conditions ▪ Resolve insurance claims issues ▪ Assist with correcting billing mistakes

Contact Health Advocate at (866) 695-8622, and let the representative know that you are affiliated with Team Focus Insurance Group.

Options for Accessing Immediate Care Needs

DHMO Routine Cleanings 1110/1120 2 per Calendar Year

No charge

Routine X-Rays No charge

Resin Based Filling Posterior One Surface 2391

$45 copay

Root Canal – Molar 3330 $530 copay, excludes final

restoration

Orthodontics Start-Up 8660 Comprehensive Treatment Retention 8680

$66 copay

$2,472 Child / $3,336 Adult $345 copay

PPO

In-Network Out-of-Network

Calendar Year Deductible (CYD) $50 Individual $150 Family

$50 Individual $150 Family

Calendar Year Maximum $1,500 per member $1,500 per

member

Preventive Services Cleanings, Exams, X-Rays

Member 0% Cigna 100%, CYD Waived

Member 0% Cigna 100%,

after CYD

Basic Services Filings, Oral Surgery, Non-routine X-Rays

Member 10%, Cigna 90%, after CYD

Member 20%, Cigna 80%, after CYD

Major Services Crowns, Bridges, Dentures, Root Canals

Member 40% Cigna 60%, after CYD

Member 50% Cigna 50%, after CYD

Orthodontia Not Covered

Wellness Plus Reward Members will receive an additional $250 per

year when a preventive service is utilized

DHMO

PPO

Team Member Only $3.16 $11.91

Tem Member + Spouse $7.16 $29.84

Team Member + Child(ren) $7.20 $29.98

Family $12.68 $41.28

DHMO WAOV9 Plan: The DHMO plan requires you to select a primary dentist, receive referrals for specialist care, and seek care exclusively from participating providers. Services are paid through copayments. The plan provides you with an unlimited benefit maximum. Two routine cleanings and X-Rays are covered every year at no cost to you. Orthodontic services for children and adults are covered through copayments.

PPO Plan: The PPO plan allows you to seek care from participating and non-participating providers with no referrals needed. A calendar year maximum benefit will apply to In and Out of Network services. In-Network benefits are paid based on contracted rates and Out-of-Network benefits are paid based on reasonable and customary rates. Orthodontic Services are not covered by the plan.

Dental Insurance

We offer two dental plans through Cigna, a DHMO & PPO as outlined below.

Refer to Benefits Summary and SPD for more details

Dental Plans Bi-Weekly Payroll Contributions

Before you enroll, verify network coverage… Follow these simple steps to confirm the providers and you will seek care from are in network. ▪ Visit www.cigna.com ▪ Click on “Find a Doctor, Dentist or Facility.” ▪ Choose “Plans through your employer or school” ▪ Enter your search criteria for a provider or facility ▪ Choose the “Cigna Dental Care HMO” network

for the DHMO plan ▪ Choose the “Cigna Dental PPO or EPO” network

for the PPO plan


VSP Core Vision Plan VSP Buy-Up Vision Plan

In-Network Out-of-Network In-Network Out-of-Network

Exam $10 copay Up to $45 $10 copay Up to $45

Frequency Once Every 12 Months Once Every 12 Months

Lenses Single Bifocal Trifocal

$25 copay

Up to $30 $50 $65

$25 copay

Up to $30 $50 $65


Frames

$25 copay. $130 allowance, then 20% off the amount over your

allowance.

Up to $70

$25 copay. $180 allowance, then 20% off the amount over your

allowance.

Up to $70


Contact Lenses In Lieu of Eyeglasses

$130 allowance Up to $105 $180 allowance Up to $105


Core Vision Buy-Up Vision

Team Member Only $3.35 $5.87

Team Member + Spouse $5.36 $9.40

Team Member + Child(ren) $5.47 $9.59

Family $8.83 $15.47

Vision Insurance

We offer two vision plans through VSP (Vision Service Plan) as outline below.


Vision Plans Bi-Weekly Payroll Contributions

Before you enroll, verify network coverage… Follow these simple steps to confirm the providers and you will seek care from are in network. ▪ Visit www.vsp.com ▪ Click on “Find a Doctor” ▪ Enter your search criteria for a provider or

practice ▪ Choose the “Choice” network

http://www.vsp.com/

Life Coverage AD&D Coverage

Team Member*

$25,000 increments to a maximum of $500,000 New Hire Guarantee Issue: $200,000

$25,000 increments to a maximum of $500,000

Spouse** $5,000 increments to a maximum of $250,000

Up to 50% of Team Member’s coverage amount New Hire Guarantee Issue: $25,000


Children**

Infant = $500 6 Months – Age 19 = $1,000 increments to a

maximum of $10,000 Guarantee Issue: Full amount


Age Restriction Only covers dependent children under age 19 (or 25 if full time student) and spouse under age 70.

Voluntary Life Bi-Weekly Rates

Team Member and Spouse ***Please review minimum and increment policy rules in above chart***

Age $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000

0-24 $0.85 $1.71 $2.56 $3.42 $4.27 $5.12 $5.98 $6.83 $7.68 $8.54

25-29 $0.97 $1.94 $2.91 $3.88 $4.85 $5.82 $6.78 $7.75 $8.72 $9.69

30-34 $1.10 $2.19 $3.29 $4.38 $5.48 $6.58 $7.67 $8.77 $9.87 $10.96

35-39 $1.34 $2.68 $4.02 $5.35 $6.69 $8.03 $9.37 $10.71 $12.05 $13.38

40-44 $1.94 $3.88 $5.82 $7.75 $9.69 $11.63 $13.57 $15.51 $17.45 $19.38

45-49 $3.39 $6.78 $10.18 $13.57 $16.96 $20.35 $23.75 $27.14 $30.53 $33.92

50-54 $5.57 $11.15 $16.72 $22.29 $27.87 $33.44 $39.01 $44.58 $50.16 $55.73

55-59 $8.72 $17.45 $26.17 $34.89 $43.62 $52.34 $61.06 $69.78 $78.51 $87.23

60-64 $13.73 $27.46 $41.19 $54.92 $68.65 $82.38 $96.12 $109.85 $123.58 $137.31

65-69 $24.46 $48.92 $73.38 $97.85 $122.31 $146.77 $171.23 $195.69 $220.15 $244.62

70-74 $42.58 $85.15 $127.73 $170.31 $212.88 $255.46 $298.04 $340.62 $383.19 $425.77

75-79 $73.50 $147.00 $220.50 $294.00 $367.50 $441.00 $514.50 $588.00 $661.50 $735.00

80-100 $123.23 $246.46 $369.69 $492.92 $616.15 $739.38 $862.62 $985.85 $1,109.08 $1,232.31

Life Insurance

* Your benefit will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective. **Your dependent’s insurance coverage will be delayed if that dependent is totally disabled on the date that insurance would otherwise be effective. (Totally disabled means that, as a result of an injury, a sickness or a disorder, your dependent spouse is confined in a hospital or similar institution or is confined at home for sickness or injury; or has a life threatening condition.)


Basic Life & AD&D – Employer Paid: All full-time, regular team members receive company sponsored Life & AD&D Insurance that covers 2 times your base annual earnings up to a maximum of $300,000 through Cigna. Open Enrollment is a good opportunity to review your beneficiary designations and make changes, if necessary. Voluntary Life/AD&D: All full-time benefits-eligible team members may purchase additional Life and AD&D insurance through Cigna. If you initially waived coverage, you will be required to complete EOI. Voluntary Life & AD&D coverage’s are not bundled and are available on a standalone basis.

Voluntary Life Bi-Weekly Rates Team Member or Spouse (continued)

Age $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000

0-24 $9.39 $10.25 $11.10 $11.95 $12.81 $13.66 $14.52 $15.37 $16.22 $17.08

25-29 $10.66 $11.63 $12.60 $13.57 $14.54 $15.51 $16.48 $17.45 $18.42 $19.38

30-34 $12 06 $13 15 $14 25 $15 35 $16 44 $17 54 $18 63 $19 73 $20 83 $21 92

35-39 $14.72 $16.06 $17.40 $18.74 $20.08 $21.42 $22.75 $24.09 $25.43 $26.77

40-44 $21 32 $23 26 $25 20 $27 14 $29 08 $31 02 $32 95 $34 89 $36 83 $38 77

45-49 $37.32 $40.71 $44.10 $47.49 $50.88 $54.28 $57.67 $61.06 $64.45 $67.85

50-54 $61 30 $66 88 $72 45 $78 02 $83 60 $89 17 $94 74 $100 32 $105 89 $111 46

55-59 $95.95 $104.68 $113.40 $122.12 $130.85 $139.57 $148.29 $157.02 $165.74 $174.46

60-64 $151 04 $164 77 $178 50 $192 23 $205 96 $219 69 $233 42 $247 15 $260 88 $274 62

65-69 $269.08 $293.54 $318.00 $342.46 $366.92 $391.38 $415.85 $440.31 $464.77 $489.23

70-74 $468 35 $510 92 $553 50 $596 08 $638 65 $681 23 $723 81 $766 38 $808 96 $851 54

75-79 $808.50 $882.00 $955.50 $1,029.00 $1,102.50 $1,176.00 $1,249.50 $1,323.00 $1,396.50 $1,470.00

80-100 $1,355 54 $1,478.77 $1,602 00 $1,725 23 $1,848 46 $1,971 69 $2,094 92 $2,218 15 $2,341 38 $2,464 62

Voluntary Life Bi-Weekly Rates Child(ren)

$1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000

$0.116 $0.233 $.349 $.465 $.582 $.698 $.814 $.930 $1.047 $1.163

Voluntary AD&D Bi-Weekly Rates Team Member

$25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000

$0.40 $0.81 $1.21 $1.62 $2.02 $2.42 $2.83 $3.23 $3.63 $4.04

$275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000

$4.44 $4.85 $5.25 $5.65 $6.06 $6.46 $6.87 $7.27 $7.67 $8.08

Voluntary AD&D Bi-Weekly Rates Spouse

$12,500 $25,000 $37,500 $50,000 $62,500 $75,000 $87,500 $100,000 $112,500 $125,000

$0.20 $0.40 $0.61 $0.81 $1.01 $1.21 $1.41 $1.62 $1.82 $2.02

$137,500 $150,000 $162,500 $175,000 $187,500 $200,000 $212,500 $225,000 $237,500 $250,000

$2.22 $2.42 $2.63 $2.83 $3.03 $3.23 $3.43 $3.63 $3.84 $4.04

Voluntary AD&D Bi-Weekly Rates Children (One premium rate covers all eligible children)

$2,000 $4,000 $6,000 $8,000 $10,000

$0.03 $0.06 $0.10 $0.13 $0.16

Life Insurance, continued

Rates are subject to change.

Voluntary Short-Term Disability Bi-Weekly Rates

Use the calculation below to determine your STD bi-weekly payroll deductions.

____________ X 60% = ___________ X .034 = ____________ X 12 ÷ 26 _____________

Weekly Salary** STD Benefit Monthly Cost Your bi-weekly Cost

(Maximum $2,000)

**Note this is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency. Maximum weekly covered salary is $3,335.

* Your benefit will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.


Disability Insurance

Long-Term Disability – Employer Paid*: All full-time benefits-eligible team members receive Long-Term Disability Insurance through Cigna. The Long-Term Disability Insurance is designed to protect your earnings for an extended disability. A monthly benefit will be paid based on 60% of your covered monthly earnings up to a maximum benefit of $10,000 per month. The policy includes a 90 day elimination period before benefits are payable.

Voluntary Short-Term Disability*: All full-time benefits-eligible team members may purchase Short-Term Disability Insurance through Cigna. A weekly benefit will be paid based on 60% of your covered weekly earnings up to a maximum benefit of $2,000 per week. Benefits begin on the 8th day of disability. Benefits are paid for a maximum of 12 weeks. If you initially waived coverage, you will be required to complete EOI.

Please note the following:

▪ If eligible, you may elect to have both types of FSAs and contribute separate pretax dollar amounts to each.

▪ Your contributions are deducted from your paycheck in equal installments each pay period. ▪ “Use It or Lose It” –You must use your contributions or lose them at the end of the plan year. ▪ Under a Section 125 plan, participant elections generally must be irrevocable until the beginning

of the next plan year. However, when a participant experiences one of several specific recognized events, he or she may be permitted to make a change in election that is consistent with the event.

Health Care Reimbursement FSA: The maximum annual contribution is $2,750. With pre-tax dollars, you may use your funds for health care expenses not covered by your insurance. Eligible expenses include OTC medications, medical, pharmacy, dental and vision. For a complete list of eligible expenses, please refer the Benefits Corner on the homepage of UltiPro.

Dependent Care FSA: The annual limit a team member may contribute is $5,000 ($2,500 for a married individual filing taxes separately). A dependent care FSA allows you to use pretax dollars towards qualified dependent care. Care must be provided by a qualified dependent care service, not a relative. Funds may be used for the care of eligible dependent children (under the age of 13 who live with you) by a babysitter, day care center, or before-school or after-school program. Care for an eligible disabled spouse, parent or child over the age

of 12 who lives with you, may also be eligible for reimbursement if the care provided is to keep you and your spouse gainfully employed. For a complete list of eligible expenses, please refer to IRC Sections 21 and 129. At any given time, Dependent Care FSA distributions are limited to the amount you have in your account. Dependent care expenses cannot be reimbursed until they are actually incurred. The Team Focus Insurance Group FSA plan is administered by MedCom Benefits. Registered participants will be given debit cards to use for their eligible FSA purchases. Participants should register with MedCom to manage their account at www.wealthcareadmin.com. MedCom also offers a convenient mobile app.

Flexible Spending Account (FSA)

Through a Section 125 Plan, Team Focus Insurance Group offers eligible team members the opportunity to open a Flexible Spending Account(s) (FSAs). An FSA is a tax-free account, in your name, that pays or reimburses you for qualified health care or dependent care expenses. Your FSA contributions are made pretax (no employment or federal income taxes are deducted) through payroll deductions. When you receive a distribution from your FSA, the reimbursements are tax-free. Eligible expenses must be incurred from July 1, 2021 – September 15, 2022.

http://www.wealthcareadmin.com/

New Benefits Consumerism Card

The Consumerism Card is offered to compliment your “true” insurance saving you additional money, which includes the following:

▪ Access to discounted services, providers and products

▪ Additional savings when you or a family member reach the maximum annual benefit on your insurance plan

▪ Doctors by phone/video and medical bill negotiation

Base Card ($10 per month)

▪ Teladoc (No Consult fee) ▪ Dental ▪ Vision ▪ Pharmacy ▪ Travel Assistance ▪ Vitamins ▪ Diabetic Supplies ▪ Hearing Aids ▪ Lab Testing & Imaging Services

Upgraded Card ($15 per month)

▪ ALL Benefits from Base Card ▪ Identity Theft ▪ Legal Services

If you are interested in enrolling in this discount program, please contact Human Resources or visit the Benefits Corner on the homepage of UltiPro to download the program application.

Allstate Supplemental

Products

Supplemental Coverage is available through Allstate. These are policies work alongside your health insurance and go beyond to help keep you healthy as well as protect your finances during unexpected accidents and critical illnesses. If you are interested in obtaining additional information, please contact Jeremy Whittington at US Enrollment Services at 561-922-3960. Team Focus is happy to offer premium payment through bi-weekly payroll deduction. Critical Illness Critical Illness helps provide much needed cash when a catastrophic illness strikes (heart attack, stroke, renal failure). Benefits are paid directly to you regardless of other insurance. You may also add a health screening and/or cancer rider to this policy. Accident Care Insurance Helps you pay unexpected expenses from covered accidents that result in lacerations, fractures, broken bones and other injuries. This coverage is also available for family members. Hospital Indemnity Helps you pay unexpected expenses from illness, injury, or pregnancy where there is a hospitalization. This coverage is also available for family members. Cancer Helps you pay expenses from cancer diagnosis and treatment of cancer. This coverage is also available for family members.

Pet Insurance

Team Focus Insurance Group knows that pets are part of your family, so we are excited to offer the opportunity to purchase pet insurance through Nationwide, the #1 choice for pet insurance. You can choose a pet health plan that fits your needs, whether you are looking for basic wellness coverage or comprehensive major medical coverage for your pet. It’s easy to use the plan! Nationwide Pet Insurance Plans offer the following benefits:

▪ Members may visit any veterinarian, at anytime, anywhere in the world

▪ Never any hassle of membership cards ▪ Members are free to continue seeing their trusted, long-

time veterinarians ▪ Visits to any emergency hospital or specialist are covered ▪ Plans are available in all 50 states, and coverage extends

to treatment received anywhere in the world. ▪ Members are reimbursed for all covered conditions

Interested in enrolling or learning more? Visit Nationwide today at www.petinsurance.com/teamfocusins for a personalized quote. Team Focus is proud to offer premium payment through bi-weekly payroll deductions.

Using Your Pet Insurance Policy

Make use of your benefits through 3 easy steps:

1. Pay your vet Pay for your pet’s treatment at the time of service.

2. Submit your claim Mail or email your claim form along with your vet bill.

3. Get reimbursed! According to your plan, after meeting the deductible (if any).


Team Focus Insurance Group 401(k) Plan

Team Focus Insurance Group offers a 401(k) retirement plan though John Hancock, a well-established financial services leader serving the financial needs of millions of customers in 22 countries, as part of our Comprehensive Benefit Package. A 401(k) plan allows you to contribute an amount from your income to a retirement account. Both pre-tax and post-tax (Roth) contribution and deferral options are available. Full-time regular team members who are over 18 years of age are eligible to enroll the first of the quarter after a 90-day waiting period. Quarters begin January 1, April 1, July 1 and October 1.

3 Reasons to Join the 401(k) Plan

1. Tax-deferred savings let you increase your take home pay and decrease your current taxable income.

2. Team Focus Insurance Group matches the amount you contribute. That’s free money! You can earn

50% match of up to the first 5% of your bi-weekly earnings. After 3 years of service you are fully vested in the company match, earning 33% vesting for each year of service.

3. Automatic payroll deductions make it easy to save. It’s easy to pay yourself first by setting up

contributions right from your paycheck.

Paid Time Off (PTO) Accrual Rates

Years of Service Days Accrued

per Year Hours Accrued

per Year Hours Accrued per Pay Period

Maximum Accrual Cap

0 through 1 year 13 days 104 hours 4.00 hours 104 hours

1+ Years 15 days 120 hours 4.62 hours 160 hours



Paid Time Off (PTO)

The Team Focus Insurance Group Paid Time Off (PTO) benefit program provides you with the flexibility to use your time off to meet your personal needs, while recognizing your individual responsibility to manage your paid time off. The information below outlines how the benefit is earned and intended to be used along with the benefit accrual schedule. Full-time, regular status team members who work at least 32 hours per week, begin accruing PTO on a bi-weekly basis upon their date of hire. The PTO accrual rates are determined by the team member’s length of service with the company. Team members can earn and maintain in their PTO Benefit bank up to the maximum accrual cap.

In addition to the PTO benefit, the company also observes 7 holidays: New Year’s Day, Memorial Day, Fourth of July, Labor Day, Thanksgiving and the day after Thanksgiving, and Christmas Day. Full-time, regular team members will be paid holiday pay for these observed holidays. For additional information regarding the Team Focus Insurance Group PTO policy, please visit the UltiPro homepage.


Team Member Assistance Program

Human Resources Department

Team Focus Insurance Group - HR Team Ext. 4411 [email protected]

Medical

Cigna - Group #3333453 1-800-244-6224 www.mycigna.com

Cigna Telehealth Connection

AMWell MDLIVE

1-855-667-9722 1-888-726-3171

www.AmWellforCigna.com wwwMDLIVEforCigna.com

Health Advocacy

Health Advocate 1-866-695-8622 www.healthadvocate.com

Dental

Cigna - Group #3333453 1-800-244-6224 www.mycigna.com

Vision

VSP - Group #30020064 1-800-877-7195 www.vsp.com

Life & Disability

Cigna 1-800-362-4462 www.cigna.com

Flexible Spending Account

MedCom 800-523-7542, Opt 1 www.medcom.net

Allstate Supplemental Products

US Enrollment Services 1-561-922-3960 [email protected]

Consumerism Card

Discount Benefit 1-800-800-7616 www.mymemberportal.com

401(k)

John Hancock 1-800-395-1113 www.jhancockpensions.com

Employee Assistance Program

Cigna 1-800-538-3543 www.cignabehavioral.com/cgi

Pet Insurance

Nationwide 1-877-738-7874 www.petinsurance.com/teamfocusins www.petnationwide.com

Important Contact Information

mailto:[email protected]


http://www.amwellforcigna.com/

http://www.healthadvocate.com/


http://www.vsp.com/


http://www.mymemberportal.com/

http://www.jhancockpensions.com/

http://www.cignabehavioral.com/cgi


http://www.petnationwide.com/

team member benefits guide

Documents