GUIDE JANUARY 1 - DECEMBER 31, 2023
This benefit guide was created to help you navigate through your benefits in a quick and easy You’llway.see that many of your benefit resources are linked and can be clicked on right from the benefit guide. After you read through the guide, be sure to download it so you can refer to this information throughout the year. PLANS to your WELCOMEBENEFITS Welcome to Task Force Tips! At Task Force Tips, we are committed to a comprehensive employee benefit program that helps our employees stay healthy, feel secure, and maintain a work/ life Whetherbalance.staff members are already enrolled in Task Force Tips benefits or enrolling for the first time, learning more about benefits makes it easier for you to use them. This guide will help you understand your benefits as you consider your choices.
DIGITALNAVIGATIONGUIDE
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Use the side arrows to jump to the next page or the previous thumbnails to quickly glance through the pages and pick which one you want to view. Use full-screen mode to get a closer look. For an even closer look, zoom in with the magnifying glass. Download a PDF to save the guide to device. note that some digital functions will be lost. can also print your guide from the PDF. If are using be sure to use mouse to hover over graphics — some will lead to interactive If are using a tablet or smartphone, look for the cursor icon and be sure to tap it on certain
WHAT ONLINE FUNCTIONS ARE AVAILABLE? Your Home Screen. Navigation Bar on the bottom of the page. A SIMPLE WAY TO HELP YOU NAVIGATE THROUGH YOUR BENEFITS. This year, your 2023 Benefit Guide will be accessible online through your computer, tablet, or smartphone. It is designed to help you navigate through your benefits with a few simple clicks!
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4lick here to go back to your benefit options! HOW TO ENROLL Please follow the steps on the right side to complete your enrollment. REVIEW your benefit guide. OPEN a web browser. NAVIGATE to www.tft.4mybenefits.net CLICK ON 2023 benefits. CREATE an account on the right if you don’t already have one. Save your username and password for future logins. Line 1: (EID) Your employee number Line 2: (PIN) Last 4 digits of your SSN CLICK the green enrollment button to start. FOLLOW the prompts to enroll in each benefit. ONCE you’re enrolled, you will be given a confirmation number and confirmation statement (you may print the confirmation statement for your records). CONGRATULATIONS! You’ve successfully enrolled! 987654321 REQUIRED DEPENDENT INFORMATION Be sure to have the following information available for each dependent:✓FullName✓Dateofbirth✓SocialSecurity Number ✓ Address (if different than yours) WHAT CAN I DO ONLINE? Our online benefits website is available year round for you and your family and is great for making changes to your benefits, like: • Submitting a qualifying event such as a Birth of a Child, Marriage or Loss of Other Coverage (within 30 days of event). • Updating your personal information, including a new address. • And more Please contact your Human Resources department: Alicia: alicia.spagna@tft.com Denise: dmd@tft.com QUESTIONS?
5 YOUR BENEFITS DISCOVERING CARRIER/VENDOR TFT PAYS YOU PAY FIND IT ON PAGE HEALTH BENEFITS Medical Plan Options UMR ✓ 10 Meet ALEX TFT 14 Plan Advisor & Care Search Reward$ UMR 15 Health Savings Account (HSA) Harris Bank ✓ ✓ 16 Telehealth OC24Health ✓ 20 Employee Clinic Marathon Health 22 Dental Plan Lincoln ✓ 23 Vision Plan Lincoln ✓ ✓ 24 Employee Assistance Program Franciscan Alliance 25 Flexible Spending Account (FSA) TASC 26 FINANCIAL BENEFITS Group Life Lincoln ✓ 29 Voluntary Life Lincoln ✓ 30 Short Term Disability UMR ✓ 31 Long Term Disability Lincoln ✓ 31 401(k) Profit Sharing Fidelity ✓ 33 Holidays and PTO 34 Additional Benefits! Various Providers ✓ ✓ 35
6 YOU AND YOUR FAMILY COVERING WHO IS ELIGIBLE Task Force Tips is proud to offer a comprehensive benefits package to eligible, full-time employees who work at least 30 hours per week and/or meet the requirements for continuing eligibility during an approved leave of absence. Eligible employees and qualified dependents may elect to participate or waive benefits being offered to Thisthem.guide provides information about the options available to you as a benefits eligible employee of Task Force PleaseTips.take time to learn about these benefits so you can make an informed decision. Making well -informed decisions can help you manage your outof-pocket costs and help control the rising cost of healthcare. Many of the plans allow you to cover your eligible dependents, which include: • Legally married spouse • Children up to age 26 including: • Biological • Adopted • Any child you support who lives with you in a parent-child relationship and for whom you are the legal guardian • Disabled children of any age who are (or become) physically or mentally incapable of self-support while covered by our employee benefits program EMPLOYEES DEPENDENTS
7 IN YOUR BENEFITS ENROLLING QUALIFYING LIFE EVENTS Contact Human Resources Within 30 days of a qualifying life event Did you have any changes in benefits or your family? • Marriage or Divorce • Birth or Adoption of child • You and/or your dependents become eligible or lose coverage with another group health plan • Spouse’s Open Enrollment • Change in work status (parttime to full-time) NEW HIRE 1st of month following 30 days as a new employee Enroll at www.TFT.4mybenefits.net What should you know? • Elections made now will remain until the next open enrollment • You may elect to participate or waive benefits that are offered to you JANUARY • Enroll in benefits November 1st - 15th • Benefits begin on January 1st OPEN ENROLLMENT Enroll at www.TFT.4mybenefits.net During the annual benefits open enrollment period
A federal program of medical care benefits designed for those permanently disabled or over age 65. Created under the Social Security Medicare law, A. Hospital Insurance Benefits for the Aged and Disabled, a basic plan covering hospital and related care. Persons age 65 are automatically eligible for this plan, but they must enroll before they become covered (entitled). B. Supplementary Medical Insurance Benefits for the Aged and Disabled, a voluntary supplementary plan covering the doctor’s bills and other costs of medical and health services.
Click here to go back to your benefit options! THAT WORD MEAN? WHAT DOES ANNUAL DEDUCTIBLE ANNUALMAXIMUMOUT-OF-POCKET BALANCE BILLING COINSURANCE COPAYMENTS OR COPAYS HEALTH SAVINGS ACCOUNT (HSA) FLEXIBLE SPENDING ACCOUNT (FSA) EXPLANATION OF BENEFITS (EOB) IN-NETWORK MEDICARE PREFERRED ORGANIZATIONPROVIDER(PPO) USUAL, CUSTOMARY, AND REASONABLE (UCR) CHARGES
The percentage you pay for covered expenses. Copayments or Copays
Flexible Spending Account (FSA) Similar to the HSA, an FSA is also a savings account used to save and pay for qualified medical expenses. Except while this account is tax-advantaged, it doesn’t gain interest and is only good for one year. There are medical FSAs and Dependent Care FSAs.
The most you pay in a calendar year for covered services that are subject to coinsurance/copays. The deductible is included in this amount. If you reach the annual out-of-pocket maximum, the plan pays 100% of covered in-network eligible expenses for the remainder of the plan year. Office visits and prescription copays are included in the annual out-of-pocket maximum for our medical plans. This maximum starts over every January 1st.
Annual Out-of-Pocket Maximum (Jan 1 through Dec 31)
Usual, Customary, and Reasonable (UCR)
Annual Deductible (Jan 1 through Dec 31) The amount you are required to pay per calendar year before certain benefits are paid for by the plan. Once you meet the deductible amount, expenses are covered by the plan based on the coinsurance percentage. This deductible starts over every January 1st.
The flat dollar amount you pay for certain innetwork services.
Health Savings Account (HSA)
Balance Billing When you are billed for the difference between the provider’s actual charge and the amount reimbursed under the medical or dental plan. This occurs when you go outside of the preferred provider network. Balance billing does not apply towards out-of-pocket maximum. Coinsurance
In-Network
Preferred Provider Organization (PPO) A healthcare arrangement designed to provide healthcare services at a discounted cost for members to use designated providers (the network), but which also provides coverage (at a lower level) for services received from providers that are not part of the network.
Charges Healthcare charges that are determined by your health plan vendor and are based on the range of fees charged by doctors with comparable training and experience for the same or similar service in your area. When you receive innetwork care, UCR charges do not apply. You are responsible for amounts over UCR for out-ofnetwork care.
Medicare
Explanation of Benefits (EOB) Provides information about how your claim was processed by the insurance company. The EOB details what portion of the claim was paid by the insurance company and what portion is your responsibility.
A special, tax-advantaged, interest bearing account to help plan and pay for qualified healthcare expenses (including plan deductible) while covered by a qualified high deductible health plan.
A group of doctors, hospitals and other healthcare providers that contract with a plan vendor to provide quality healthcare services at favorable rates.
Click here to go back to your benefit options! Health BENEFITS
10Click here to go back to your benefit options! INSURANCE OPTIONS YOUR MEDICAL Provided by UMR CORE PLAN IN-NETWORK OUT OF NETWORK WHAT IS THE MOST I WILL PAY? Annual Deductible Individual | Family $1,000 | $3,000 $2,000 | $6,000 Out-of-Pocket Maximum Does not include Rx copays Individual | Family $4,000 | $10,500 $8,000 | $21,000 Coinsurance Level 80% 60% HOW DOES IT WORK AT THE DOCTOR’S OFFICE? Primary Care $25 Copay Deductible/Coinsurance Specialist $50 Copay Lab Testing and Radiology Deductible/Coinsurance Wellness/Preventive Care/Well Child Care Immunizations, routine physical, pap smear, colon/prostate testing, cholesterol screening, mammogram 100% - No Deductible Deductible/Coinsurance Lasik Surgery 50% benefit up to a maximum of $1,000, subject to deductible. Lasik Eye Surgery is a benefit only available to employees insured under the TFT Medical Insurance Plan. Please see Plan Document for full details. PLANS
11Click here to go back to your benefit options! Please see Plan Document for full details. CORE PLAN IN-NETWORK OUT OF NETWORK WHAT IF I NEED EMERGENCY CARE? Urgent Care $50 Copay Emergency Room Deductible/ Coinsurance HOW DO PRESCRIPTIONS WORK? At a participating pharmacy Prescription Drug Out-of-Pocket Maximum Individual | Family $2,000 | $2,500 Generic | Formulary | Non-Formulary | Specialty 1 - 34 day 35 - 60 day 61 - 90 day $10 | $25 | $40 | 25% to a max of $150 per RX $20 | $50 | $80 | N/A $25 | $62.50 | $100 | N/A INSURANCE OPTIONS YOUR MEDICAL Provided by UMR CORE PLAN COST PER PAY Employee $76.75 $50.50* Employee + 1 $160.50 $124.50* Family $206.50 $164.00* An additional $150 per pay will be added for spousal surcharge, if applicable. *This amount reflects your premium if you meet all 5 Health Standards based on your 2021 Wellness Screens. Participation is $10, & each of the 5 Health Standards is worth a premium credit of $3.25 Employee; $5.20 Employee + 1; or $6.50 Family - per pay period. PLANS
12 INSURANCE OPTIONS YOUR MEDICAL Provided by UMR HDHP PLAN with HSA option IN-NETWORK OUT OF NETWORK WHAT IS THE MOST I WILL PAY? Annual Deductible Individual | Family $3,500 | $7,000 $7,000 | $14,000 Out-of-Pocket Maximum Individual | Family $12,250 | $24,500 Coinsurance Level 100% 60% HOW DOES IT WORK AT THE DOCTOR’S OFFICE? Primary Care 100% after deductible Deductible/Coinsurance LabSpecialistTesting and Radiology Deductible/Coinsurance Wellness/Preventive Care/Well Child Care Immunizations, routine physical, pap smear, colon/prostate testing, cholesterol screening, mammogram 100% - No Deductible Deductible/Coinsurance Lasik Surgery 50% benefit up to a maximum of $1,000, subject to deductible. Lasik Eye Surgery is a benefit only available to employees insured under the TFT Medical Insurance Plan. What is an HSA?Click here to go back to your benefit options! PLANS
13Click here to go back to your benefit options! Please see Plan Document for full details. HDHP PLAN IN-NETWORK OUT OF NETWORK WHAT IF I NEED EMERGENCY CARE? Urgent Care 100% after deductible Deductible/Coinsurance Emergency Room 100% after in-network deductible HOW DO PRESCRIPTIONS WORK? At a participating pharmacy 100% after deductible INSURANCE OPTIONS YOUR MEDICAL Provided by UMR HDHP PLAN COST PER PAY Employee $63.75 $37.50* Employee + 1 $129.75 $93.75* Family $165.50 $123.00* An additional $150 per pay will be added for spousal surcharge, if applicable. *This amount reflects your premium if you meet all 5 Health Standards based on your 2021 Wellness Screens. Participation is $10, & each of the 5 Health Standards is worth a premium credit of $3.25 Employee; $5.20 Employee + 1; or $6.50 Family - per pay period. EARN CASH BACK when you save on healthcare with CareSearch Rewards! Click to learn more. PLANS
14Click here to go back to your benefit options! ✓ PERSONALIZED ALEX helps you see which plan makes the most sense for YOU, not your co-workers, or your boss. ✓ EASY TO USE ALEX doesn’t ask for a username or password. You just click the link from any computer, tablet, or smartphone, and go. Also, ALEX is completely free of boring insurance jargon and complicated legal jibber-jabber. ✓ CONFIDENTIAL While ALEX does ask questions about your personal situation to understand your needs, it’s completely confidential, and nothing you share with the tool will ever be recorded or shared. To learn more, visit www.myalex.com/Task-Force-Tips/tft-2023 Not sure which plan is right for you? Want to learn more about your benefits? ALEX will ask you simple questions about your typical medical expenses and use your answers to recommend a health plan. MEETALEX
needs — starting with any questions you may have. And they are just a tap, click or call away! START TODAY Save the number 800-207-3172 Monday - Friday 8:30am - 10pm ET Visit the website www.umr.com Click here to go back to your benefit options! CARESEARCH REWARD$ CLICK HERE TO LEARN MORE The costs for healthcare services can vary a lot, depending
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Plan Advisor provides TFT employees and their families a free problem-solving,
where to begin, start with your UMR Plan Advisor Coordinators.
healthcare providers and lower cost options where you live. When our
nurses, benefit experts and claims specialists who
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WHEN AND WHERE YOU NEED IT HEALTHCARE HELP WHATEVER IT TAKES
eligible medical
UMR frustration-fighting Plan Advisor will find it. When you don’t know Think of them as your personal team of will do all can to support healthcare on where you go for care. The Care choosing high-quality doctor recommends an procedure or test, login to your account on umr. select the Health Cost Estimator tile get started. Confirm your zip code and search When choose a look for the two blue hearts. With Premium Care “green” cost-effective facilities for certain qualifying procedures, you’ll receive money a card from UMR. All resources are available at no cost to you.
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Click here to go back to your benefit options!
16 SAVINGS ACCOUNT HEALTH By enrolling in the HDHP medical plan, you will have access to a Health Savings Account (HSA), which provides tax advantages and can be used to pay for qualified health care expenses, such as your deductible, copayments, and other out-of-pocket expenses. WHAT IS AN HSA? YOU HAVE CONTROL: • Unused money rolls over from year to year in an interest bearing savings account. • You can use the funds on medical, dental and vision expenses for you and your family. • You can even invest your funds for the future. • There is no “use it or lose it” rule. YOU SAVE ON TAXES: • All money deposited is not taxed. • Withdrawals for eligible expenses are exempt from federal income tax. • You can earn interest tax free. WHO IS ELIGIBLE FOR AN HSA?
Anyone who is: Enrolled in the HDHP medical plan, which is a qualified High Deductible Health Plan. Anyone who is NOT: Covered under any other medical plan that has copays. Currently enrolled or plan to enroll in any other medical insurance plan (including, but not limited to: Medicare, a spouse or parent’s plan, Tri-Care or Medicaid). You should consult your tax advisor to determine your eligibility to receive contributions or to contribute to a Health Savings Account. Eligible to be claimed as a dependent on someone else’s tax return. by Harris Bank
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17Click here to go back to your benefit options! IMPORTANT CONTRIBUTIONS Individuals age 55 and older are eligible to make catch-up contributions of an additional $1,000 annually. FOR 2023 Task Force Tips will also contribute to your HSA account. We will deposit the first $250 for single coverage and the first $500 for Employee +1 and Family coverage by the first payroll period of the year. Then we will match your contribution dollar for dollar up to a match of $250 for single coverage and up to a match of $500 for Employee + 1 and Family coverage. The employer matching contribution will be deposited into your account on a quarterly Contributionsbasis. cannot exceed $3,850 for individual coverage and $7,750 for employee with dependent(s) coverage annually on a pre-tax basis for the 2023 tax year. HSA ADVANTAGES Visit http://bit.ly/HSAadvantages ELIGIBLE EXPENSES Visit http://bit.ly/HSAeligibleexpenses QUICK FACTS Visit http://bit.ly/HSAfacts CONTINUED Want to learn more about how an HSA can save you money? Click here!
Click blue drop-down arrows to learn more about each option of care.
TELEHEALTH $$
The Marathon Health Clinic is usually the best choice for many primary and acute care services like labwork, minor injuries, pink eye, the flu, and some prescriptions. The Marathon Health Clinic requires an appointment.
MARATHON HEALTH CLINIC $$
EMERGENCY ROOM
$$$$ If you do have a life- or limb-threatening medical emergency, then go to the emergency room. In the case of a true medical emergency, go to the ER. At the ER, true emergencies are treated first, and other cases must wait—sometimes for hours. And, it will cost you a lot more to get care at the ER.
If you do not have a life- or limb-threatening medical emergency, then go to your primary care doctor (PCP) if available. For care during normal office hours, it’s usually best to go to your primary care doctor. They can provide follow-up care and refer you to a specialist, if needed.
If you do not have a life- or limb-threatening medical emergency, nor have a PCP available, and don’t have a routine issue, then visit a local urgent care center. Urgent care centers typically don’t require an appointment and are often open in the evenings and on weekends. Plus, in-network urgent care centers are faster and much less expensive than the ER.
Find the right In-Network Care anytime with UMR online!
$$$
WHERE TO GO AND WHEREWHENTOFIND CARE
The Valparaiso location is open Mon-Fri, 8-5, and the Merrillville location is open Mon., Wed., Thur., Fri 8-5 and Tue. 7-4 (Both closed daily for lunch from 12-1). Schedule an appointment: member.ourhealth.org/sign_in
18Click here to go back to your benefit options!
on the
PRIMARY CARE
WHY DO YOU NEED PREVENTIVE CARE?
If you have been diagnosed by a doctor with a health issue, the additional screenings and tests following this diagnosis are no longer considered preventive.
19
✓
✓
WHAT IS NOT PREVENTIVE CARE?
options!
Age
WHAT IS PREVENTIVE CARE?
Taking advantage of available services at the right time can help you stay healthier by: Identifying minor issues now before they develop into a major issue later Preventing certain illnesses and conditions Proactively detecting health problems at early stages, when treatments may be more successful
You and your doctor will determine what services are right for you based on your: | | Personal health history | Current health your benefit
✓
Gender
Services are considered preventive when you don’t have any symptoms or diagnosed health issues connected with the preventive service. These services are often provided as part of your wellness exam.
Your health plan still provides coverage for these services, but they are not covered under your preventive benefit.
THE PREVENTIVEIMPORTANCECARE of Click here to go back to
Even when you’re feeling fine, a serious condition could later put your health at risk. Your health coverage offers specific preventive care services at no out-of-pocket cost when completed by an in-network provider.
20 TELEHEALTHRESOURCES AN AFFORDABLE OPTION FOR QUALITY MEDICAL CARE With OC24health, you and your whole family will receive easy, stress-free access to Board Certified medical doctors and licensed psychologists through Video Visits on your Smartphone, tablet or computer. Only $45 per virtual consult! REGISTERING IS EASY! 1. Download the app on iTunes or Google Play, or visit www.oc24health.com 2. You’ll be prompted to register with basic information. 3. When you’re ready to see a doctor, click “See a Medical Doctor Now” in the app, type in the symptoms you’re experiencing and you’ll be connected with a physician within minutes! Cold & Flu symptoms RespiratoryPinkAllergieseye Infection Sinus + skin problems And more! EXAMPLES OF MEDICAL CONDITIONS CLICK HERE OC24HEALTHFORFAQS! VirtualOC24healthVisit American Health Network Click here to go back to your benefit options!
21 HOW MONEYTO save more ✓✓✓✓✓ Visit the Emergency Room only in the case of a true emergency. Utilize the Task Force Tips Marathon Health Clinic for acute and routine care. Check your area for Urgent Care locations for use when the clinic is not Useopen.Generic Prescriptions, if available. Ask your doctor for a generic or request the generic equivalent when having your prescription filled. Connect with TrueScripts to find where you can purchase your prescriptions at the lowest cost and even find coupons. Save time and money by taking advantage of the formulary prescription drug list. Check TrueScripts’ web portal, MyDrugBenefit, for more Utilizedetails.In-Network
Providers. Your medical costs increase greatly when you visit a provider who is not in the network. Always confirm your provider is in the UMR network, especially when being referred to another provider or facility for services. sure you and your dependents receive routine annual physical exams and immunizations. Adults and children should have preventive health screenings recommended for their age for early detection of health conditions. All of these preventive services are covered at 100%
Be
on each of our plans.
22 MarathonCLINICHealth MARATHON HEALTH SERVICES Task Force Tips has partnered with Marathon Health to offer eligible employees FREE primary care services through an on-site clinic. The health clinics, located in Valparaiso and Merrillville, are staffed by providers to offer many healthcare services. Personal primary care • On-site Lab • Personal Health Coaching • Value-based referrals • Chronic condition management On-site Rx (over 80 generic prescriptions available) • Online Employer Health Portal • Preventive screening (physicals, skin cancer, Pap, etc.) SERVICES & PRESCRIPTIONS PROVIDED AT THE CLINIC ARE FREE!* LOCATIONSVALPARAISO 1105 Cumberland Crossing Dr. Next to the UPS store at the Cumberland Crossing shopping center MERRILLVILLE Inside Centier Bank Headquarters 600 E. 84th St., Suite 100 On the east side of the Centier Corporate Centre Valparaiso:HOURS Mon-Fri 8 a.m. to 5 p.m. Merrillville: Mon., Wed., Thur., Fri 8 a.m. to 5 p.m. and Tues 7 a.m. to 4 p.m. Both locations closed daily for lunch from 12-1 p.m. CONTACT Schedule appointments on the member portal: member.ourhealth.org or call Valparaiso: 219-440-4835 Merrillville: 219-801-3921 *Unless otherwise noted, services are offered at no cost to you, your eligible spouse and dependents (age 6 and up). Click here to go back to your benefit options!
Click here to go back to your benefit options! 23 INSURANCE OPTION YOUR DENTAL Provided by Lincoln IN- AND OUT-OF-NETWORK BENEFITS Annual Deductible Individual | Employee + 1 or Family $25 | $50 Annual Dental Benefit Maximum $1,500 per person Preventive 100%, no deductible Basic 75% after deductible Major Restorative 50% after deductible ORTHODONTIA For dependent children under age 19 only Orthodontia Care 50% Orthodontia Benefit Lifetime Maximum $1,500 COST PER PAY Employee $12.65 Employee + 1 $24.48 Family $44.55 ELIGIBILITY: Dental insurance is an optional benefit provided for full-time employees and part-time employees (working 30 or more hours per week) and their dependents. Please see Plan Document for full details and frequency of services.
Click here to go back to your benefit options! INSURANCE OPTION YOUR VISION 24 Maximum benefits per calendar year per person IN-NETWORK OUT-OF-NETWORK Exam Covered in full Reimbursed Up to $80 Lenses Single | Bifocal | Trifocal | Lenticular $15 copay Up to... $40 | $60 | $80 | $80 Contact Lenses In lieu of frames $125 Frames Up to $130 Up to $45 COST PER PAY Employee $5.02 Employee + 1 $9.14 Family $15.85 Provided by Lincoln DID YOU KNOW? You don’t have to get your glasses through your eye doctor’s office! Ask for your prescription, then shop around at other vision vendors for the best price. Sometimes you can even get two pairs of glasses for the price of one. Vision coverage is separate from the Company Safety Glasses Program. Please see Plan Document for full details.
25 WORK & CAREER AN EAP CAN ADDRESS THE FOLLOWING ISSUES: An Employee Assistance Program (EAP) is a counseling and referral service designed to assist employees and their families in overcoming personal situations. EAP counselors are trained to deal with a wide variety of employee problems. They will offer you professional support and direction toward resolving the problem. The Franciscan Alliance Northern Indiana Region EAP is staffed with professional counselors committed to providing you with services of the highest quality. Who can use the EAP? Employees and family members living in the same household. Are my contacts with the EAP confidential? All information regarding the EAP will be held in strict confidence. Will I be charged for EAP services? The services of the EAP are an employee benefit and you can use them at no cost. If you and your counselor decide that additional services are required by an outside resource, you will be responsible for any costs not covered by insurance. Click on the arrows to view some of the resources an EAP counselor canFORaddress.24/7 ASSISTANCE: Call 800-747-7262 ASSISTANCE PROGRAM EMPLOYEE Provided by Franciscan Alliance Click here to go back to your benefit options!
If you have dependent children under the age of 13 or dependents of any age who are unable to care for themselves, you can enroll in this plan and choose the amount you want to put aside for daycare. examples of eligible expenses facility fees (excluding transportation, educational
LIMITED PURPOSE FSA
medical
services) • Before-school and after-school care • Local day camp Click here to learn more about the Healthcare FSA!
HEALTHCARE FSA
(FSA) you
A few
include: • Daycare
important details about your FSA options!
health-related expenses that may not be covered by insurance. This spending
26Click here to go back to your benefit options! SPENDING ACCOUNT FLEXIBLE http://bit.ly/FSAfacts Watch this video for a quick rundown!
lunches and
for
is only available if you enroll in the Core Plan. A few examples of Healthcare FSA include: • Medical and dental deductions, copays, and coinsurance • Prescription drugs copay • Eye exams, glasses, contacts, Lasik • And more!
you
spending account.
. See the next page for
Below is a description of each
There types of Spending Accounts can have: for on the plan choose. type of
The Dependent Care FSA allows you to pay for dependent daycare while you are at work or school.
Flexible
ELIGIBILITY
The Limited Purpose FSA can be used to pay vision and dental expenses, allowing you to maximize tax-free contributions between the vision benefit and the dental plan. This account is only available if you enroll in the HDHP/HSA Plan more
are three
these accounts depends
DEPENDENT CARE FSA
The Healthcare FSA allows you to set aside pre-tax dollars to pay eligible account
a Healthcare FSA, a Dependent Care FSA, and a Limited Purpose FSA. Your eligibility
Limited Use FSA You
A NOTE ON CONTRIBUTIONS Healthcare FSA You can
USE IT OR LOSE IT RULE
A ON DEPENDENT CARE FSA
An eligible care provider can be any provider you choose, except a dependent child who is claimed as a dependent and is under the age of 19. The care provider must meet the requirements of your state. The services may be as informal as care provided by your neighbor, as long as the provider claims the money as income when determining their taxes at the end of the year. contribute a maximum of $2,750 annually. can contribute a maximum of $2,750 annually. Care FSA can contribute a maximum of $5,000 annually (or $2,500 if married and filing separately).
27 Submit IRS-Required documentation to substantiate your claims and collect your reimbursement. COLLECT Use your funds on eligible expenses by using your debit card or paying up front and submitting for reimbursement. SPEND Determine how much to contribute based on the contribution limits. PLAN
The FSA plan has a grace period. You have two-and-a-half months after the end of the plan year (December 31, 2023) to spend unused FSA funds and incur new FSA eligible expenses. Any money that’s leftover at the end of the grace period due to IRS regulations is forfeited due to the “Use it or Lose it” rule. You cannot cash out any remaining FSA funds, as money can only be used for FSA eligible expenses. The grace period allows you to use your FSA funds through March 15th, 2023. Click here to go back to your benefit options!
NOTE
Dependent
You
Click here to go back to your benefit options! Financial BENEFITS
29Click here to go back to your benefit options! EMPLOYER-PAID LIFE INSURANCE INSURANCE BASIC LIFE Provided by Lincoln In order to help provide financial security for an employee’s family in the event of death or dismemberment, Task Force Tips offers Basic Life insurance at no cost to full-time associates. Dependents are also eligible for basic life insurance. EMPLOYEE Equal to the amount of your salary or up to $50,000 maximum SPOUSE $5,000 CHILD Age 15 days to 24 years (up to 25 years if student) $3,000 You must designate a beneficiary for Basic Life and AD&D and Voluntary Life and AD&D. You have the right to change the beneficiary at any time by written or electronic notice. You can change your beneficiary by contacting Human Resources. HOW MUCH LIFE INSURANCE DO I NEED? When it comes to protecting the financial security of you and your family, nothing is more important than planning ahead. Even if you already have a life insurance policy in addition to the company-provided policy, it’s important to ask yourself if you have the protection you need to cover all your financial responsibilities. A FEW CATEGORIES TO CONSIDER... Daily ExpensesLiving Mortgages and Other Loans Children’s TuitionGrandchildren’sand
30Click here to go back to your benefit options! VOLUNTARY LIFE AND AD&D We provide all eligible employees the option of purchasing Voluntary Life and AD&D insurance through Lincoln. You cannot elect Voluntary Life and AD&D for your spouse and dependent children unless you elect coverage for yourself. EMPLOYEE Units of $10,000, max of $200,000 Guarantee Issue: $200,000 SPOUSE Units of $5,000, max of $50,000, not to exceed 50% of employee’s benefit Guarantee Issue: $50,000 CHILD • Birth to 14 days: n/a • 15 days to 6 months: $250 • 6 months to 19 years (to 25 years if student): $5,000 AGE SCHEDULEREDUCTION Age 65: 35% Age 70: Additional 35% Age 75: Additional 35% EMPLOYEE & SPOUSE Supplemental AD&D rates per $1,000 Employee $0.03 Spouse $0.03 CHILD Supplemental Life and AD&D rates per $5,000 Life $0.20 AD&D $0.02 EMPLOYEE & SPOUSE Supplemental life rates per $1,000 Age <25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+ Rate $0.081 $0.099 $0.135 $0.153 $0.198 $0.297 $0.450 $0.837 $1.287 $2.475 $4.014 $4.014 THINGS TO KNOW 1. A “guarantee issue” amount is the dollar amount of coverage you can be approved for without completing a health questionnaire. Guarantee issue amounts only apply during the 31 days following your initial eligibility period. 2. If you wish to enroll in the Voluntary Life and AD&D plan or increase your coverage after your initial eligibility period, you will be required to complete the Evidence of Insurability Form, which contains questions about your health. 3. Rates are based on your age and the amount of coverage you elect. Spouse rates are also based off of the employee age. 4. This benefit is a one-time election and is only offered to new hires.
Task Force Tips is excited to continue its investment in YOU by offering you free Short Term Disability (STD) coverage through UMR and Long Term Disability (LTD) coverage through Lincoln. STD and LTD coverage is paycheck protection for those moment in life you’re unable to work due to injury or sickness. We hope this benefit provides peace of mind on those rainy days. In the event you become disabled from a non work related injury or sickness, disability income benefits provide a source of income while you are unable to work. GOOD TO KNOW! These benefits work together to make sure you don’t have a gap in coverage. When STD coverage is exhausted following 13 weeks of disability, LTD coverage takes effect if you are still unable to return to work. DISABILITYINSURANCE Provided by UMR & Lincoln 31 DID YOU KNOW?1INEVERY 8 people lifetime.moreforbecomewilldisabledfiveyearsorintheir 30% of people use disability. 46% of all foreclosures are caused by financial hardship due to a disability. Click here to go back to your benefit options! View more plan details on the next page!
32Click here to go back to your benefit options! EMPLOYER-PAID SHORT -TERM DISABILITY STD provides income protection for disabilities that occur due to injury or sickness and last for a short period of time. It is offered to all full-time benefit eligible employees. If an employee is unable to work due to injury or sickness, STD will cover a portion of the employee’s income per week. STD through UMR Benefit Amount 60% Weekly Earnings When are Benefits Payable? 1st day of an hospitalizationinpatientorsurgery 8th day after an illness or accident Maximum Benefit $1,000 per week Maximum Benefit Duration 13 Weeks VOLUNTARY LONG -TERM DISABILITY LTD provides income protection against a long-term injury or sickness that extends beyond the period covered by the short-term disability plan. LTD is also offered to all full-time benefit eligible employees. It replaces a portion of your pre-disability earnings up to a monthly benefit maximum due to accident or illness and continues to the latter of age 65 or SSNRA. LTD through Lincoln Benefit Amount 60% of salary When are Benefits Payable? After 90 days of disability Maximum Benefit $8,000 per month
Click here to go back to your benefit options! YOUR FUTURE INVESTING IN 401(K) RETIREMENT SAVINGS PLAN Your contributions are tax-deferred savings – your taxes are determined after the savings deduction has been taken out. You become 100% vested after 6 years. Details of the vesting schedule may be obtained from the CFO or in the summary plan document. Matching contributions are discretionary and may be stopped and started by TFT at any time. ELIGIBILITY You are eligible to contribute to the plan at the first entry date after employment. Entry dates are Jan. 1, April 1, July 1, and Oct. 1. TFT participates in automatic enrollment, therefore you will be automatically enrolled in the 401(k) savings plan when you have met eligibility criteria. PROFIT SHARING Employees are eligible for an annual profit sharing contribution once eligibility requirements have been met. If you do not participate in the 401(k) plan, you are still eligible for a profit sharing contribution. INVESTMENT ADVISORS Also offered to TFT employees is investment advisor services through CAPTRUST located in Chesterton, Indiana. They offer a multitude of services which includes a personal review of your 401(k) plan and future financial planning. To make an appointment, call 219-926-1182.
All full-time employees will be eligible for paid vacation hours granted annually each January 1st. In an employee’s first year of hire, he/she will be eligible for a pro-rate of up to 80 vacation hours. This is calculated based on hire month and granted after 90 days of active employment. After 2 years of active employment, employees will have an additional eight vacation hours granted on each January 1st. After 11 years of active employment, an employee will have 160 vacation hours granted which is the maximum amount in a given year. See the employee handbook for the full vacation policy. We recognize our employees have family responsibilities as well as work responsibilities. Task Force Tips offers benefits to make life a little more manageable.
*When Christmas Eve falls on a weekday, it will be designated as a holiday. Christmas Eve will not be designated as a holiday in the years where it falls on a Saturday or Sunday; instead, TFT will switch this holiday to be either the day before or the day after July 4.
VACATION
PERSONAL TIME Effective 1-1-2023: All full-time hourly non-exempt employees will be eligible for up to 32 hours of paid personal time each calendar year. Personal time hours are granted on an annual basis on each Jan. 1. In an employee’s first year of hire, he/she will be eligible for pro-rated personal time hours calculated based on hire date and granted after 30 days of active employment. Personal time hours must be used in the year in which they are granted, or up to 16 hours of unused personal time can be paid out at the end of the year.
34 HOLIDAY SCHEDULE YOUR 2023 NEW YEAR’S DAY DAY AFTER THANKSGIVING THANKSGIVING DAYINDEPENDENCE DAY 9 Paid Holidays! MEMORIAL DAY LABOR DAY MLK JR. DAY CHRISTMAS DAYCHRISTMAS EVE*
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THE BURN UNIT TFT’s on-site work out center for employees and their family members. (Must meet eligibility guidelines).
STAY BONUS New employees will earn a stay bonus of $1,000 payable in two increments: $500 upon completion of six (6) months of active service/work at Task Force Tips, and the second $500 will be payable after one year of active employment, through the next reasonable payroll cycle following the respective anniversary date.
Each year, TFT sponsors a wellness screening conducted through the Marathon Health Clinic that is free to employees and their spouses. On-site flu shots are also available free of charge to employees during the fall.
WORKER’S COMPENSATION
EDUCATIONAL ASSISTANCE
BEREAVEMENT LEAVE
Task Force Tips offers an on-site, state-of-the-art training center to provide our employees with the skills they need to productively solve problems and adapt to technological changes.
Uniforms are available to all shop employees. If the standard uniform is worn, TFT will pay for a portion of cleaning the uniforms through the uniform provider. January and July are the two entrance months in which you can obtain your uniform. Logo wear is available to any employee at a nominal charge.
Employees are allowed five paid days off in the event of the death of an immediate family member and two paid days off in the event of the death of a close family member.
PARENTAL LEAVE Fathers and Adoptive Parents are eligible for 40 hours of paid leave. Birth mothers are eligible for 160 hours of paid leave. The leave must be taken within six months of the qualifying event.
Provided by Task Force Tips
For approved courses, you are eligible to receive tuition reimbursement in the amount of $800 per semester with a maximum reimbursement for the year of $1,600. See the Employee Handbook for details regarding participation.
TFT sponsors events for employees and occasionally employees’ families. Currently, and always changing, are the annual company luncheon, the Children’s Holiday party, and a fun summer event.
COMPANY SOCIAL EVENTS
TRAINING CENTER
WELLNESS
35Click here to go back to your benefit options!
UNIFORMS
TFT covers all employees, at no cost, with worker’s compensation insurance in the event of a work-related injury and lost time from work due to a work-related injury.
ADDITIONALBENEFITS
SCHOLARSHIPS FOR EMPLOYEES’ CHILDREN “Scholarships” are available to employees’ children enrolled in college. The amount of assistance is dependent upon the employee’s tenure with the company. Once an initial application has been submitted for a scholarship, continued assistance is dependent upon satisfactory grades (C average or better) per semester in which assistance is received.
REFERRAL BONUS Effective 2-28-2023: A $1,000 referral bonus will be offered to current employees bringing in a new full-time employee. The first $500 will be paid to the employee when the newly recruited employee successfully completes six (6) months of active employment and the second $500 after the new employee completes one year of active employment working at Task Force Tips.
36 BENEFIT CONTACTS IMPORTANT BENEFIT PROVIDER PHONE WEBSITE/EMAIL CarePrescriptionsMedicalSTDSearchReward$ UMR 800-826-9784 Plan Advisor 24/7: 800-207-3172 www.UMR.com To look up a network provider: www.umr.com/oss/cms/UMR/Choice_Plus_Excl.html Vision Lincoln 800-440-8453 www.lvc.lfg.com Dental Life andLTDAD&D Lincoln 877-275-5462 www.lfg.com HSA Harris Bank 888-340-2265 www.harrisbank.com 401(k) Fidelity 800-835-5097 www.401k.com Investment Advisors Captrust 219-926-1182 or 800-926-0494 www.captrust.com EAP Franciscan Alliance 800-747-7262 www.franciscanalliance.org FSA TASC 800-422-4661 www.tasconline.com Marathon Health Clinic MerrillvilleValparaiso Marathon Health 219-440-4835219-801-3921 valparaiso@ourhealth.orgcentier@ourhealth.org Alicia Spagna TFT 219-548-1021 alicia.spagna@tft.com Click here to go back to your benefit options!
The in is presented for purposes is provided by contained was every effort was taken possible. case of between and the actual plan documents, the actual plan documents will prevail.
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All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996.
