2026 - 2027
BENEFITS GUIDE
Plan Year: July 1, 2026 – June 30, 2027
ELIGIBILITY & ENROLLING
Who is Eligible to Join the Benefit Plan?
You and your dependents are eligible to join the health and our company welfare benefit plans if you are a fulltime employee scheduled to work at least 30 hours per week You must be enrolled in the plan to add dependent coverage
Who is an Eligible Dependent?
• Your spouse to whom you are legally married
• Your dependent child under the maximum age specified in the Carriers’ plan documents including:
Natural child
Adopted child
Stepchild
Child for whom you have been appointed as the legal guardian
*Your child’s spouse and a child for whom you are not the legal guardian are not eligible.
The Dependent Maximum Age Limit is up to age 26. The dependent does not need to be a full-time student; does not need to be an eligible dependent on parent’s tax return; is not required to live with you; and may be unmarried or married
Once the dependent reaches age 26, coverage will terminate on the last day of the birth month
A totally disabled child who is physically or mentally disabled prior to age 26 may remain on the if the child is primarily dependent on the enrolled member for support and maintenance.
When Do Benefits Become Effective?
Your Medical, Dental, Vision, Life Insurance, Long Term Disability, and Employee Assistance Program benefits become effective (when you enroll within 30 days of your date of hire) on the first of the month following 60 days of employment.
Annual Open Enrollment?
Each year during the annual Open Enrollment Period, you are given the opportunity to make changes to your current benefit elections. To find out when the annual Open Enrollment Period occurs, contact Human Resources
Qualifying Event Changes
You are allowed to make changes to your current benefit elections during the plan year if you experience an IRS-approved qualifying change in life status The change to your benefit elections must be consistent with and on account of the change in life status
IRS-approved qualifying life status changes include:
• Marriage, divorce or legal separation
• Birth or adoption of a child or placement of a child for adoption
• Death of a dependent
• Change in employment status, including loss or gain of employment, for your spouse or a dependent
• Change in work schedule, including switching between full-time and part-time status, by you, your spouse or a dependent
• Change in residence or work site for you, your spouse, or a dependent that results in a change of eligibility
• If you or your dependents lose eligibility for Medicaid or the Children’s Health Insurance Program (CHIP) coverage
• If you or your dependents become eligible for a state’s premium assistance subsidy under Medicaid or CHIP
If you have a life status change, you must notify the company within 60 days for changes in life status due to a Medicare or CHIP event and within 31 days of the other events.
If you do not notify the company during that time, you and/or your dependents must wait until the next annual open enrollment period to make a change in your benefit elections.
Please note, loss of coverage due to non-payment or voluntary termination of other coverage outside a spouse’s or parent’s open enrollment is not an IRSapproved qualifying life event and you do not qualify for a special enrollment period
ENROLLING WITH EMPLOYEE NAVIGATOR
Step 2: Welcome!
Step 1: Log In
Go to www employeenavigator com and click Login
• Returning users: Log in with the username and password you selected. Click Reset a forgotten password.
• First time users: Click on your Registration Link in the email sent to you by your admin or Register as a new user. Create an account, and create your own username and password. The Company Code is Meridian-SG.
After you login, click Let’s Begin to complete your enrollment and additional required tasks if applicable.
Step 4: Benefit Elections
Step 3: Start Enrollments
After clicking Start Enrollment, you’ll need to complete some personal & dependent information before moving to your benefit elections
TIP
Have dependent details handy. To enroll a dependent in coverage you will need their date of birth and Social Security number.
To enroll dependents in a benefit, click the checkbox next to the dependent’s name under Who am I enrolling?
Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.
Click Save & Continue at the bottom of each screen to save your elections
If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.
ENROLLING WITH EMPLOYEE NAVIGATOR
Step 6: Review & Confirm Elections
Step 5: Forms
If you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in those details.
Review the benefits you selected on the enrollment summary page to make sure they are correct then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online
TIP
If you miss a step you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted Click on any incomplete steps to complete them
Step 7: You’re Finished
You are finished. You can go back to your homepage to view your elections and you can make changes until the enrollment window closes.
You can login to review your benefits 24/7!
MEDICAL
MERIDIAN SERVICES GROUP MEDICAL PLANS
then
(Valenz Health: $0)
Copay + 10%
Copay
then
(Valenz Eligible)
Copay
Prescription Drugs You pay either a copay and/or Ded. + Coin. % per the assigned prescription drug tier (refer to Drug Formulary for Tier placement These plan meet the CMS standard for creditable prescription drug coverage.
Tier 1
Tier 2 (SmithRx Connect)
Tier 3 (SmithRx Connect)
Tier 4 (SmithRx Connect)
Retail: $15 Copay
Mail Order: $15 Copay
Retail: $35 Copay
Mail Order: $70 Copay
SRx Connect: $0 Copay
Retail: $60 Copay
Mail Order: $180 Copay
SRx Connect: $0 Copay
Specialty Pharmacy: 25% up to $350 Max
SmithRx Connect: $0 Copay
Retail: $15 Copay
Mail Order: $15 Copay
Retail: $35 Copay
Mail Order: $70 Copay
SRx Connect: $0 Copay
Retail: $60 Copay
Mail Order: $180 Copay
SRx Connect: $0 Copay
Specialty Pharmacy: 25% up to $350 Max
SmithRx Connect: $0 Copay
Deductible, then 20%
then 20% SRx Connect Eligible
Deductible, then 20%
SRx Connect Eligible
Deductible, then 20%
SRx Connect Eligible
HEALTH SAVINGS ACCOUNT (HSA)
Available only if you enrolled in the HDHP Plan 3 $3,500 HSA
What is a Health Savings Account?
A Health Savings Account (HSA) is an account permitted under the federal tax law that allows you to save money for healthcare expenses on a tax-favored basis It is an individual account that belongs to you and is not part of Meridian’s medical plan. The account is portable, which means it is not tied to your employment at Meridian Your HSA stays with you if you retire or leave the company Because the HSA has special tax status under the law, it is governed by numerous mandatory tax rules and regulations.
Health Savings Account (HSA)
▪ Use money in your account to pay for qualified health care expenses
▪ Reduce the amount of your federal taxes
▪ Earn tax-free interest on money in your HSA
▪ Funds in your account roll over every year
▪ The money is yours, so the account stays with you if you leave your employer
▪ Once you have a certain amount in your account, you may invest your funds
▪ Investment gains grow, tax-free
How Does an HSA Work?
You fund the HSA with your dollars up to a certain limit each year by making a deposit directly into your HSA account The account must be funded prior to any withdrawals. Then, as you have eligible qualified expenses, you may withdraw money from your HSA to pay expenses that are not otherwise paid by the health, dental or vision plans, e g your deductible or coinsurance It’s up to you whether to use your HSA funds You are not required to use the money, you may save it for the future and let it continue to accumulate. It’s important to understand that the HSA, unlike a Healthcare Flexible Spending Account (FSA), will not pay for qualified expenses that exceed the balance in the HSA When filing your taxes each year, you will provide your tax advisor a report showing the amount you contributed to the HSA account, and you will receive a tax deduction for that amount.
Loss of Other Coverage
How Much Can I Contribute to An HSA?
As noted by federal law, the annual contribution limits are:
▪ The amount is $4,400 for individual coverage and $8,750 for family coverage.
▪ Individuals age 55 or older may be eligible to make a catch-up contribution of $1,000.
NOTE: Rightway is replacing HealthJoy effective 7/1/2026
DENTAL
Lincoln Dental Plan
Our Dental benefits, administered by Lincoln, provide a wide range of dental services including preventive care, fillings, and x-rays You have the freedom of choice to utilize in-network or out-of-network providers For a list of in-network providers, visit www lincolnfinancial com and click the “Find a Dentist” When you visit an in-network dentist, your outof-pocket expenses are lower. In-network dentists will file the claim for you and services are paid at the Lincoln negotiated rate. Eligible employees may elect coverage for themselves, a spouse and eligible dependent children. Dependent children are covered up to age 26, regardless of student status.
Year Maximum
to preventive, basic, and major services
Type A - Preventive & Diagnostic Services Routine Exams, Bitewing X-Rays, Fluoride Treatments for children
Type B - Basic Services Fillings , Simple Extractions, Emergency Pain, Periodontics, Endodontics
Type C- Major Services Crowns, Dentures, Bridges, Implants
VISION
Lincoln Vision Plan
Our Vision benefits, administered by Lincoln, provides coverage for eye exams and corrective eyewear. The plan utilizes the Spectera Vision Network
To find a vision provider, go to www lvc lfg com, and search based on zip code or address
LIFE INSURANCE + AD&D
Employer-Paid Life / AD&D Insurance
If you are an eligible full-time employee, Meridian provides Basic Life / AD&D insurance to you at no cost through Lincoln. Meridian provides a Basic Life and AD&D benefit of $25,000 This amount reduces by beginning at age 65
Supplemental Life / AD&D Insurance
Supplemental Life Insurance and Accidental Death and Dismemberment (AD&D) are intended to provide additional protection to full-time employees AD&D provides additional protection in the event of accidental death It also covers loss of limb or eye due to accident Those interested can elect the amount that suits their needs at an affordable rate
Employee: You may elect the lesser of up to 5 times your annual earnings in $10,000 increments or a maximum of $500,000. The Supplemental Life guaranteed issue amount is $150,000 but is only available when you are first eligible to enroll
Spouse: Increments of $ 5,000 to the lesser of $ 150,000 or 50% of the employee’s supplemental life amount The guaranteed issue amount is $30,000 when first eligible
Child: Choice of $1,000, $2,000, $5,000, $10,000 or $20,000.
Post-Initial Offering Questionnaire
If you do not enroll in supplemental employee or spouse life when you are first eligible (within 30 days of your eligibility), there is no guaranteed issue amount and any amounts requested are subject to Evidence of Insurability (EOI)
CHOOSE YOUR BENEFICIARY
• Make sure your life and accident death benefits will be paid as you intend.
• Be sure you name a beneficiary when you enroll in Life and AD&D benefits
• Then, continue to review your beneficiary designations as you experience life changes.
Portability Provision
This provision allows participants to maintain their supplemental life insurance coverage after employment terminates
DISABILITY INSURANCE
ACCIDENT
Group Accident Insurance is offered through Lincoln. This insurance can be used to compliment your medical coverage by helping to ease the financial impact of an accident. It provides you with a payment to use as you see fit and can help with any out-of-pocket expenses you may incur as a result of an accident, such as insurance deductibles, transportation to/from medical centers, childcare and more.
BENEFIT CATEGORIES AND AMOUNTS:
• Fractures – Up to $4,000
• Dislocations – Up to $3,500
• Hospital Admission - $1,500
• Hospital Confinement - $300 per day
• Diagnostic Exam - $150
• Accidental Death – $50,000 Employee; $25,000 Spouse
• Youth Organized Sports Rider – Included
• Physical, Occupational Therapy - $90
• Prosthetic Device/Artificial Limb – $750 per limb
• X-Ray - $250
• Ambulance - $400
• Air Ambulance - $1,250
• Wellness Visit - $50
Long-Term Disability
Long-Term Disability (LTD), through Lincoln, offers income protection if you become disabled and cannot work for an extended period of time. The LTD benefit begins after 90 days and pays 60% of your monthly salary to a maximum of $10,000 per month. Benefits are paid until retirement age as long as you are disabled This benefit is offered to all eligible Meridian Services Group employees and is deducted from your paycheck each pay period and is simultaneously reimbursed.
The policy does not provide benefits for a disability caused by a pre-existing condition A pre-existing condition is any condition for which you received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines prior to your effective date of coverage. Please refer to the plan certificate for the pre -existing guidelines.
KEY CONTACTS & RESOURCES
678-426-1572
stevenk@sspins.com
