You’re the heart and soul of our company, and we strive to offer you a benefits package that helps you shine. Open Enrollment for your 2022–2023 benefits is May 9–27. This is your chance to review and enroll in the benefits that best meet your needs. Here’s what you need to know. Find more details in the See What’s New Brochure.
Costs for Coverage
In keeping with our philosophy of affordable coverage, we are making a change to our rate structure. Our goal is to bring best-in-class healthcare options to you, while offering coverage that is equitable for associates. Your costs for medical coverage will depend on your salary band, with a three-tier cost structure based on your salary band. See the Costs section for your monthly paycheck costs.
There are no plan design changes to the High Deductible HSA, Cigna Standard Care or Premium Care plans. All copays, coinsurance, deductibles and out-of-pocket maximums will remain the same. Get the details on your medical plan options.
Health Savings Account (HSA) Limits
The IRS limits for the HSA have increased. This means if you participate in the High Deductible HSA, you’ll be able to contribute a higher amount. You can add up to $3,650 for individual coverage or $7,300 for any level of family coverage, minus WSI’s contributions. WSI will continue to fund your HSA with the same amount: $500 for individual coverage or $1,000 for family coverage. Learn more about how your HSA works.
Better-Than-Ever Dental Benefits
Good news — you’ll see some dental plan enhancements! See the Dental section for more details.
- Basic care — If you’re enrolled in the Standard Option, you’ll have higher coverage for basic care (you pay 20% instead of 40%).
- Orthodontia — If you’re enrolled in the Premium Option, you’ll have a higher lifetime maximum for orthodontia ($2,500 instead of $1,500).
- Deductibles and benefit maximums — Both the Standard Option and the Premium Option have lower deductibles (what you pay first for some services) and higher benefit maximums (the most the plan will pay in a plan year).
A New CONNECT Employee Assistance Program (EAP)
Cigna will be the provider for our CONNECT EAP. When you need support, you and your household members have access to counselors virtually or in-person. Get up to 7 free counseling sessions per issue for each household member each plan year. Our CONNECT EAP can also help with everyday issues like finding a child care provider, getting a handle on debt, buying your first home or searching for pet care. Learn more about the CONNECT EAP.
Special Enrollment for Disability
If you previously waived your short-term disability (STD) or long-term disability (LTD) coverage and would like to enroll now, you’ll have a special enrollment opportunity this year. You’ll only need to complete a short Statement of Health. Upon approval, benefits will be effective July 1st.
Additional Legal Benefits
You’ll have some additional benefits when you enroll for legal coverage. This includes Life Stages identity management services, as well up to 4 hours of help for non-covered services, such as divorce, child support, probate and parking tickets. Plus, you can access Family First benefits that help you navigate caregiving challenges. This includes elder care, child and adolescent well-being, and navigating insurance and Medicare. You’ll pay $15.87 per month for legal coverage. Learn more about legal coverage.
Critical Illness, Accident and Hospital Indemnity
These benefits have been enhanced — at no additional cost to you. You’ll see a higher level of coverage for some benefits, as well as coverage for additional conditions. See the Critical Illness, Accident & Hospital Indemnity section for details.
Help Getting Healthy
If you’re enrolled in a Cigna medical plan, you can take advantage of additional condition management programs.
- Stress Management — Understand your stress signals and learn coping techniques.
- WinFertility — Get personalized guidance, education and emotional support on your family-building journey.
- Treatment Decision Support — Learn about treatment options for common health conditions.
New Pet Insurance Provider
Pet insurance benefits will be offered through MetLife. Coverage is flexible and customizable, so you can choose the plan that works for you. Plus, you’ll now have telehealth available! You can also choose to continue your current coverage through Nationwide by calling 855.672.7093 before your next billing cycle. Learn more about pet insurance.
Good News About Your 401(k)!
You will be 100% vested in company matching contributions after 1 year of service (instead of 5 years).
Save the date! We are excited to announce two upcoming webinars focusing on how you can ensure financial wellness by investing smarter and making your money work for you. Our 401(k) Plan provider Charles Schwab will host two separate sessions (listed below) where they will address methods for becoming debt-free, creating an emergency fund for unforeseen expenses, maximizing tax-advantaged retirement accounts, plus more.
Please join us for one of these educational and interactive sessions to ensure that you can take the right steps towards financial wellness!
Schwab will host webinars at these dates/times:
- May 3 at 12 p.m. Eastern time
- May 5 at 12 p.m. Pacific time