2027 Benefits Guide
A comprehensive guide detailing the benefits plan for the year 2026 from January 1st to December 31st.
2027 Benefits Guide Plan Year: Jan 1st - Dec 31st
2 How To Use This Guide When you see the icons on the side menu bar, click each to link out to websites, download documents, or learn more! More Info Download File Play Video Plan SBC or Summary COMPANY Provider LOGO Website Active ABC Link
3 Enrollment & Eligibility Employee Eligibility All permanent full-time employees who work an average of 30 or more hours per week are eligible for company-sponsored benefit plans as of their date of hire. Eligibility for the 30-hour threshold is determined using a three-month look-back period. Dependent Eligibility Employees who are eligible to participate in the Life is Good benefit program may also enroll their dependents. For the purposes of our benefit plans, your dependents are defined as follows: • Your spouse or domestic partner • Your dependent children to age 26 Mid-Year Changes Once your enrollment window closes, the only time you are allowed to make changes to your benefit elections in the middle of the year is if you experience a qualified mid-year change. Examples may include getting married or divorced, having a baby or adopting, or gaining or losing coverage. You must notify The People and Culture Team within 30 days of the mid-year event to be eligible to change your elections. Your People and Culture Team Contact Kate Ash people@lifeisgood.com 603.594.6171 Enroll Here
4 Medical Medical insurance helps you pay for preventive care, routine health needs, prescriptions, and advanced procedures by cost-sharing with your insurance provider. Hover over the insurance terms below to learn what they mean. *Deductible applies first. The benefits and rates in this guide are for illustrative purposes only. Please refer to the Summary of Benefits for specific benefits. To the extent the rates or the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlying insurance documents will govern in all cases. Network $1,000 Network $2,000 PPO $2,000 Network $1,000 Network $2,000 In-Network PPO $2,000 In-Network In-Network Out-of-Network DEDUCTIBLE Individual: $1,000 Individual: $2,000 Individual: $2,000 Individual: $2,000 Family: $2,000 Family: $4,000 Family: $4,000 Family: $4,000 COINSURANCE 0% 0% 0% 20% Primary Care: $25 Copay OFFICE VISITS Specialist: $25 Copay Urgent Care: $25 Copay Primary Care: $25 Copay Specialist: $25 Copay Urgent Care: $25 Copay Primary Care: $25 Copay Specialist: $25 Copay Urgent Care: $25 Copay Primary Care: 20% Coinsurance Specialist: 20% Coinsurance Urgent Care: 20% Coinsurance PROCEDURES Inpatient: Deductible Outpatient: Deductible Emergency Room: $150 Copay OP Lab & X-ray: Office Setting - $25 Independent Facility - Covered in Full Radiology: $150 Copay Inpatient: Deductible Outpatient: Deductible Emergency Room: $150 Copay OP Lab & X-ray: Office Setting - $25 Independent Facility - Covered in Full Radiology: $150 Copay Inpatient: Deductible Outpatient: Deductible Emergency Room: $150 Copay OP Lab & X-ray: Office Setting - $25 Independent Facility - Covered in Full Radiology: $150 Copay Inpatient: 20% Coinsurance Outpatient: 20% Coinsurance Emergency Room: $150 Copay OP Lab & X-ray: Office Setting - $25 Independent Facility - 20% Coinsurance Radiology: 20% Coinsurance Retail: $5/$35/$50/$50 Retail: $5/$35/$50/$50 Retail: $5/$35/$50/$50 Retail: 20% Coinsurance PRESCRIPTIONS Mail Order: $10/$70/$100 Mail Order: $10/$70/$100 Mail Order: $10/$70/$100 Mail Order: 20% Coinsurance OUT-OF-POCKET Individual: $2,500 Individual: $6,600 Individual: $6,600 Individual: $6,600 MAXIMUM Family: $5,000 Family: $13,200 Family: $13,200 Family: $13,200 EMPLOYEE WEEKLY CONTRIBUTIONS Employee: $49.32 Employee + Spouse: $103.60 Employee + Child(ren): $98.59 Family: $155.38 Employee: $41.20 Employee + Spouse: $86.51 Employee + Child(ren): $82.37 Family: $129.75 Employee: $49.32 Employee + Spouse: $103.60 Employee + Child(ren): $98.59 Family: $155.38
5 Telemedicine It’s hard to find time to take care of yourself and your family members as it is, never mind when one of you isn’t feeling well. That’s why your health plan through HPI includes access to minor medical virtual care. • Connect virtually with a physician in minutes • Video visits held online or through the mobile app • Pay only your office visit/PCP-level cost share or less. Refer to your plan Summary of Benefits for your specific copay amount. • Referrals are not required • Paperless prescriptions are sent directly to your pharmacy Doctor on Demand
6 Health Care FSA A Health Care Flexible Spending Account (FSA) provides you with the ability to save money on a pre-tax basis to pay for any IRS-allowed health expense that is not covered by your health care plan. Examples of these types of expenses include deductibles, co payments, coinsurance payments and uninsured dental and vision care expenses. You may elect a specific annual contribution for each FSA in which you plan to participate. Your annual contribution is then divided by your number of pay periods and that amount will be deducted pre-tax each pay period. The amount you elect may not be changed or revoked during the plan year unless you experience a qualifying life event. Dependent Care FSA A Dependent Care FSA provides you with the ability to save money on a pre-tax basis for day care expenses for your child, disabled parent or spouse. Commuter Benefits Commuter Benefits allow employees to use money on a pre-tax basis to pay for qualified work-related commuting and parking expenses. 2027 FSA Maximum Contributions Health Care FSA: $3,500 Health Care FSA Carryover: $700 Dependent Care FSA: $7,500 Commuter Benefits: $350 per month Dependent Care FSA FSA Benefit Commuter Benefits Flexible Spending Accounts (FSAs)
Dental Good oral care enhances overall physical health, appearance and mental well-being. Problems with the teeth and gums are common and easily treated health problems Keep your teeth healthy and your smile bright with our dental benefit plan. Hover over the insurance terms below to learn what they mean. | Dental PPO (DPPO) | Dental PPO | | In-Network | Out-of-Network | | Individual: $50 | Individual: $50 | | ANNUAL DEDUCTIBLE | | Family: $150 | Family: $150 | | PREVENTIVE SERVICES | 100% | 100% | | BASIC SERVICES | 100% | 100% | | MAJOR SERVICES | 80% | 80% | | ANNUAL PLAN MAXIMUM | $2,000 | $2,000 | | ORTHO SERVICES | 50% | 50% | | ORTHO LIFETIME MAXIMUM | $1,500 | $1,500 | Employee: $4.06 RATES PER Employee + Spouse: $8.80 WEEKLY PAY PERIOD Employee + Children: $10.87 Family: $15.08 The benefits and rates in this guide are for illustrative purposes only. To the extent the rates or the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlying insurance documents will govern in all cases. 7
Vision Protect your sight and enjoy those sunsets even more with vision insurance. Receive both preventive and materials coverage. Hover over the insurance terms below to learn what they mean. Trueview Vision Plan | In-Network | Out-of-Network | | Trueview | | EXAMS | $10 Copay | $35 Allowance | Vision | | CONTACT FIT & FOLLOW UP | $55 Copay | N/A | | MATERIALS | $20 Copay | Up to $25-$55 | Single: $20 Copay Single: $25 Allowance Bifocal: $20 Copay Bifocal: $40 Allowance LENSES Trifocal: $20 Copay Trifocal: $55 Allowance Lenticular: $20 Copay Lenticular: N/A FRAMES $130 Allowance $65 Allowance Elective: $130 Allowance Elective: $104 Allowance CONTACT LENSES Medically Necessary: Covered in Full Medically Necessary: $200 Allowance Exams: 1 X 12 Months FREQUENCY Lenses: 1 X 12 Months OF SERVICES Frames: 1 X 24 Months Contact Lenses: 1 X 12 Months Employee: $0 RATES PER Employee + Spouse: $0 WEEKLY PAY PERIOD Employee + Children: $0 Family: $0 The benefits and rates in this guide are for illustrative purposes only. To the extent the rates or the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlying insurance documents will govern in all cases. 8
Basic Life Insurance You can't put a price tag on your life, but you can protect your loved ones with life insurance in the event of a premature loss. You are automatically enrolled in this employer-paid coverage. | Available Coverage | 1x Salary to a Maximum of $500,000 | | Basic Life | | Age | Reduction | | Benefit Reductions | 65 | 65% | | 70 | 50% | | Voluntary Life Insurance | Voluntary Life | | You must submit an application and be approved to be enrolled in this employee-paid coverage. If you | | enroll outside your initial eligibility period or choose coverage above the Guaranteed Issue amount, | | you’ll need to complete Evidence of Insurability. This does not guarantee coverage. Your application | | will be reviewed, and approval will be determined based on that review. Click here for EOI form. | | Increments of $10,000 up to $500,000 Maximum | | Employee | | Guaranteed Issue: $150,000 | | Increments of $5,000 up to $250,000 Maximum | | Spouse | Not to Exceed 50% Employee Benefit | | Guaranteed Issue: $30,000 | | Child | Choice of $2,500, $5,000, $7,500 or $10,000 | | Voluntary Term Life Rates per $1,000 | | Age | <30 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70+ | | Rates | $0.04 | $0.07 | $0.07 | $0.11 | $0.21 | $0.35 | $0.60 | $0.93 | $1.67 | $3.06 | Child Employee AD&D Spouse AD&D Child AD&D $0.020 $0.025 $0.025 $0.025 9
10 Disability Accidents and illnesses happen and often when we least expect them. Ensure you are financially prepared to stay afloat during a medical condition with disability insurance. Short-Term Disability You are automatically enrolled in this employer-paid coverage. Benefit 60% of Salary to a Maximum of $1,200 a Week 12 Weeks for Sickness Duration 12 Weeks for Accident Benefits Illness: 8th Day Begin Accident: 8th Day Long-Term Disability You are automatically enrolled in this employer-paid coverage. Benefit 60% of Salary to a Maximum of $5,513 a Month Duration Social Security Normal Retirement Age Benefits Illness: 91st Day Begin Accident: 91st Day STD LTD STD Video LTD Video
11 Voluntary Benefits Even with medical insurance, you could still be subject to unexpected out-of-pocket expenses in the form of copays, deductible, and coinsurance. These Voluntary Benefits provide lump sum payments to be used towards your health care expenses, or however you see fit. Accident Insurance Voluntary group accident insurance provides a range of fixed, lump‐sum benefits for injuries resulting from a covered accident, or for accidental death and dismemberment. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and childcare. Critical Illness Voluntary group critical illness insurance provides a fixed, lump-sum benefit upon diagnosis of a critical illness, which can include heart attack, stroke, paralysis and more. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and childcare. Accident Critical Illness
12 Retirement Benefits The key to saving for retirement is to start early and stay committed. Making the choice to invest in yourself by contributing to your employer sponsored retirement plan is a decision that may have a big impact on your ability to retire confidently. Contribution Type 401(k) Employer Match 100% up to the first 3% you contribute and 50% of the next 2% you contribute. You are 100% vested from your date of enrollment. Empower Highlights 401(k) Summary
13 Pet Insurance Flyer Pet Insurance Whether they have two legs or four, every family member deserves quality health care. That’s why our pet health insurance plans give you the freedom to use any vet, anywhere, including specialists and emergency providers. Nationwide offers industry-leading pet health insurance for dogs, cats, birds and exotic pets.
14 Additional Benefits and Important Information Additional Benefits • Record All Time Worked • Time Off Benefits • Paid Time Off – PTO • Paid Company Holidays • Paid Floating Holidays • Good Vibes Time • Use of Available Time Off for Absences • Parental Leave Benefit • Personal Leaves of Absence • Military Leave of Absence • Initiation of Leave of Absence • Work During a Leave of Absence • PTO Use During a Leave of Absence • Bereavement • Jury and Witness Duty • Break Reporting Policy • Employee Product Discount • Recruiting Incentive • Contribute to our Playmaker Project • Urgent Care Reimbursement Program • Contribute to our Playmaker Project
15 Contact Information Service Provider Phone Website/Email Medical Health Plans Inc. (HPI) 1-800-532-7575 hpiTPA.com Dental Reliance Matrix 1-800-351-7500 www.reliancematrix.com/ Vision Reliance Matrix 1-800-351-7500 www.reliancematrix.com/ Life/Disability Reliance Matrix 1-800-351-7500 www.reliancematrix.com/ Accident/Critical Illness Reliance Matrix 1-800-351-7500 www.reliancematrix.com/ FSA Voya Financial 1-888-401-3539 http://www.voya.com/ 401(k) Empower 1-855-756-4738 http://www.empower.com/ Pet Insurance Nationwide 1-877-738-7874 http://www.petinsurance.com/lifeisgood HR Contact Kate Ash 1-603-594-6171 people@lifeisgood.com
16 View Notices Please review the following required employee notices detailing your rights and options. You can also request a paper copy of any of these notices at any time. Employee Notices
