IN ADDITION TO YOUR HEALTH BENEFITS

Your New Hire Enrollment period is a great time to consider the various optional benefits

The Company provides to help protect you and your family, save for retirement, or plan for some time away. You pay the full cost of many of these coverages but have the ability to select only those coverages that are right for our personal situation.

WHAT ARE MY DISABILITY COVERAGE OPTIONS?

The HRAccess Benefits program offers optional disability coverage through Cigna disability insurance and is intended to replace a portion of your income if you are unable to work due to illness or injury. 

You have the option to choose Short-Term Disability (STD) and/or Long-Term Disability (LTD) coverage. You are responsible for the full cost of this coverage. Neither STD nor LTD is available to your eligible dependents.

Note: This is only a summary of your STD and LTD benefits. A full description of benefits and exclusions can be found in your benefits summary or certificate of coverage.

Go to Tools & Resources for additional information about these benefits.

Short-Term Disability Coverage Benefit
Amount 60% of your base salary (adjusted quarterly), to a maximum of $1,200 per week.
Benefits Begin After you have been unable to work due to illness or injury for 14 consecutive days.
Benefit Duration 11 weeks
Pre-Existing Condition Limitations You are not covered for:
  • Disabilities resulting from a condition that occurred within 3 months before your coverage took effect, until you have been enrolled in the plan for the next 12 months.

 

NEW HIRE ENROLLMENT

If you enroll in STD during your New Hire Enrollment you are guaranteed coverage. If you do not enroll when you are first eligible and want to enroll in STD later, you must complete an Evidence of Insurability form and be approved for coverage by Cigna. Please note that if you are not working your regular full-time hours on your disability coverage effective date, your policy will not begin until you are back to work full-time and meet the eligibility requirements.

Long-Term  Disability Coverage Benefit
Amount 60% of your current salary, to a maximum of $5,000 per month
Benefits Begin After you have been unable work due to illness or injury for 90 days
Benefit Duration Until the earlier of the date your disability ends or the date you reach Social Security retirement age.
Definition of Disability You are considered Disabled if, solely because of Injury or Sickness, you are unable to perform the material duties of your Regular Occupation; and unable to earn 80% or more of your Indexed Earnings from working in your Regular Occupation. After Disability Benefits have been payable for 36 months, the Any Occupation definition of disability applies.
Pre-Existing Condition Limitations You are not covered for:
  • Disabilities resulting from a condition that occurred within 3 months before your coverage took effect until you have been enrolled in the plan for the next 12 months.
Survivor Benefit If you die while receiving LTD benefits, your survivor will receive a single lump sum benefit equal to 3 months of the payments you were receiving while alive.

If you enroll in LTD during your New Hire Enrollment you are guaranteed coverage. If you do not enroll when you are first eligible and want to enroll in LTD later, you must complete an Evidence of Insurability form and be approved for coverage by Cigna. For more information, read our LTD brochures for Progrexion and Lexington Law.

WHAT ARE MY LIFE/AD&D COVERAGE OPTIONS?

When thinking about life and accidental death and dismemberment (AD&D) insurance, give some thought to the expenses and income needs your dependents would have if something happened to you.

Under the HRAccess Benefits program, the Company provides you with a basic level of life and AD&D coverage at no cost to you. This coverage is equal to 1 times your annual eligible pay rounded to the nearest $1,000, to a maximum of $50,000. In addition, you can purchase additional life insurance coverage for yourself, your spouse or your dependent child(ren) during New Hire Enrollment, with the costs paid by you. Depending on the amount and timing of your request for additional life insurance coverage, you or your spouse may be required to provide evidence of insurability through Cigna. You will be notified if this applies to you.

Go to Tools & Resources for additional information about these benefits.

Basic Life/AD&D Coverage Benefit
Amount
  • 1 times your annual salary (rounded to the nearest $1,000), to a maximum benefit of $50,000.
  • Basic life insurance is paid to your beneficiary at 100% of the coverage amount if you die, unless an age reduction applies.
  • Basic AD&D insurance is paid to you or your beneficiary at a percentage of your coverage amount, based on the type of injury you received. Age reductions also may apply.
Age Reductions Payment to you or your beneficiary may be reduced based on your age when benefits commence:
  • Before age 65: 100%
  • Between ages 65-69: 65%
  • After age 70: 50%
Coverage Paid By The Company.

Note: This is only a summary of your Life/AD&D benefits. A full description of benefits and exclusions can be found in your benefits summary or certificate of coverage.

Supplemental Life Coverage Benefit
Amount for You
  • You may purchase coverage in $10,000 increments up to a maximum of $500,000.
  • For any change to your current coverage amount, you are required to complete an Evidence of Insurability (EOI) form and be approved for coverage.
  • Guaranteed Coverage Amount for New Hires is $200,000
Amount for Your Spouse
  • If you select this option you must also purchase supplemental coverage for yourself.
  • You may purchase coverage for your spouse in $10,000 increments, to a maximum of your supplemental coverage amount.
  • For any change to your spouse's current coverage amount, he or she will be required to complete an EOI form and be approved for coverage.
  • Guaranteed Coverage Amount for New Hires is: $20,000
Amount for Your Unmarried Legal Dependent Child(ren) up to 19 years old
19-25 years if a full-time student
19 or more if incapable of self-sustaining employment due to a mental or physical handicaps.
  • If you select this option you must also purchase supplemental coverage for yourself.
  • You may purchase $10,000 in coverage for each of your dependent children.
  • The maximum coverage amount is $500 for the child(ren) under 6 months of age.
Age Reductions Payment to your beneficiary may be reduced based on your age at the time of your death:
  • Before age 65: 100%
  • Between ages 65-69: 65%
  • After age 70: 50%
Coverage Paid By You

For more information, read our Life/AD&D brochures for Progrexion and Lexington Law.

WHAT'S THE HRACCESS EMPLOYEE DISCOUNT PROGRAM?

Enjoy free access to a comprehensive employee discounts program, powered by BenefitHub! Visit MyHRAccess.BenefitHub.com to get started! The HRAccess Employee Discounts Program is the largest employee discount marketplace in the United States, providing access to a massive array of deals with many of your favorite brands. Included are discounts on movie tickets, hotels, electronics, cars, gym memberships, child care services, and a ton more! You name it, there’s probably a discount available. If not, on the website you can suggest your favorite local or national businesses to be added! There are even fully integrated quoting and booking tools for things like travel, tickets to events or movies, theme parks, automobile purchasing, and insurance quotes. Also, find local deals easily for wherever you live, work or play using the website’s Local Deals search feature. Contact HRCentral@Progrexion.com or call BenefitHub directly at 866-664-4621.

Visit MyHRAccess.BenefitHub.com to get started!