2026 EMPLOYEE BENEFITS GUIDE
WELCOME TO SBP BENEFITS
At Specialty Building Products, we know our team is our greatest asset, and we’re committed to supporting you every step of the way. We offer exceptional options for you and your family to ensure your health and happiness.
We hope the benefits offered will inspire you and your family to take charge of your health and continue making wellness a priority.
WHO IS ELIGIBLE?
Part-Time Employee is defined as someone who works less than 30 hours per week.
Full-Time Employee is defined as someone who works 30 hours or more per week.
Employees may participate in the benefit plans effective the 1st of the month following 30 days of employment.
*You are automatically enrolled into company paid benefits on your first day at SBP.”
FAMILY ELIGIBILITY
Here are the family members who are eligible for coverage:
• Legal Spouse
• Biological Child(ren)
• Adopted Child(ren)
• Step Child(ren)
• Disabled Dependents of any age
• Child(ren) with legal custody
ENROLLMENT DEADLINES
Enrollment or changes in your 401(k) Retirement Plan or Health Savings Account (HSA) at any time during the year. All other benefits will follow the chart below
MAKING CHANGES
You may change benefit elections under two circumstances through UKG:
Open Enrollment Season
Open Enrollment refers to the annual period during which you can enroll in a benefits plan. During this process, you will review information for you and your family, shop for available benefits, select benefit plans, and review/confirm benefit plan selections.
Qualifying Life Events
You can change your coverage only after an IRS-approved life event. Submit changes within 30 days through UKG by reviewing family info, choosing benefits, and confirming your selections.
QUALIFYING LIFE EVENTS
You may update your benefit elections when certain life events occur.
Examples include:
• Marriage, divorce, or legal separation
• Birth or adoption of a child
• Change in your dependent’s eligibility
• Gain or loss of other coverage
• Change in employment or job status (you or your spouse)
• Passing of a loved one
You are required to provide documentation. Submit your Life Event change in UKG Benefits within 30 days of the event.
MEDICAL PLAN & BENEFITS
Everyone’s healthcare needs are unique—whether you’re seeking affordability, comprehensive coverage, or a balance of both. That’s why SBP offers three distinct medical plans to support you through every season of life.
WHO IS LUMINARE?
Luminare Health is one of the nation’s largest independent health benefits administrators, serving over 1 million members. They have been providing benefits support for more than half a century and continuously strive to deliver personal service and enhanced experience.
LUMINARE CONNECT 24/7
To ensure our employees receive exceptional, real-time support, we offer Luminare Connect, a 24/7 premium concierge service. It’s designed to meet you where you are, offering responsive assistance for all benefit-related needs.
We’re cutting out the middleman to provide faster resolutions and expert guidance—every step of the way. Think of Luminare Connect as an extension of our team, acting like a quarterback to seamlessly coordinate between medical questions, dental inquiries, pharmacy decisions, or any other question you may have about our SBP Benefits.
They’re available 24/7 to assist employees with:
• Claims, eligibility, and ID cards
• Billing concerns and prescription delivery
• Understanding Explanation of Benefits (EOB)
• Finding doctors and after-hours care
• Questions about SBP’s other benefits and the Employee Assistance Program (EAP)
They do the heavy lifting so you can focus on your health and well-being—with privacy and care at the center of every interaction.
TOBACCO SURCHARGE DETAILS
Employees and covered dependents who use tobacco products will be subject to a monthly surcharge on your medical premiums.
• Surcharge Amount: $80/month
• Applies to: Employees and enrolled dependents enrolled in SBP medical plans who use tobacco products.
• Waiver Option: You may avoid the surcharge by completing a tobacco cessation program or certifying that you are tobacco-free for six-months.
WHAT COUNTS AS TOBACCO USE?
Tobacco use includes smoking cigarettes, cigars, pipes, and using smokeless tobacco products such as chewing tobacco or snuff.
WHY THIS EXISTS
This guideline supports SBP’s commitment to employee health and helps manage healthcare costs associated with tobacco-related conditions. We encourage all employees to take advantage of wellness resources and cessation support.
SPOUSE COVERAGE & SURCHARGE DETAILS
To help manage healthcare costs and ensure fair access to benefits, SBP has implemented a spouse surcharge policy for medical plan enrollment.
When the Surcharge Applies: If your spouse is eligible for medical coverage through their own employer but chooses to enroll in an SBP medical plan instead, a monthly surcharge will apply.
• Surcharge Amount: $100/month
• Applies Only If: Your spouse has access to employer-sponsored medical coverage and enrolls in SBP’s medical coverage
• Does Not Apply If: Your spouse is unemployed or their employer does not offer medical coverage.
WHAT YOU NEED TO DO
During enrollment, you’ll be asked to confirm whether your spouse has access to other medical coverage. This helps determine whether the surcharge applies.
ABOUT VALUE PLAN
WHAT TO EXPECT WITH THE VALUE PLAN
The Value Plan is an open access option that uses Reference-Based Pricing (RBP). Instead of traditional in-network rates, provider reimbursement is negotiated using Medicare benchmarks as the foundation. This approach is less common—but it offers meaningful advantages:
• Lower monthly premiums
• Employer contributions to your Health Savings Account (HSA)
• Potential for overall cost savings
• Flexibility in choosing providers
Because there’s no formal network, you’re not limited to in-network providers. However, some providers may prefer working with contracted plans. That can feel uncertain—but you’re not navigating it alone.
HOW CLAIMDOC SUPPORTS YOU
While the Value Plan invites a bit more involvement, it doesn’t mean more work for you.
We’ve partnered with ClaimDOC, a dedicated RBP vendor who handles the coordination and communication behind the scenes. Their goal: to make your experience smooth, supported, and stress-free.
Here’s how ClaimDOC helps:
• Early Engagement: Pave the Way: Before your first visit with a provider, reach out to ClaimDOC. They’ll contact the office in advance to explain how billing works—so you’re set up for success.
• Provider Alternatives: If a provider is hesitant, ClaimDOC can offer alternate billing solutions or connect you with toprated providers who accept RBP plans.
• Balance Billing Protection: Always review your Explanation of Benefits (EOB) before paying a bill. If something doesn’t match, ClaimDOC will step in and resolve it.
ClaimDOC is your advocate—negotiating, explaining, and problem-solving so you can focus on your health, not the paperwork.
WHAT DOES THAT MEAN FOR YOU?
PREMIUM PLAN INFORMATION
ELITE PLAN INFORMATION
MEDICAL PLAN COMPARISON
The chart below shows all three SBP Medical Plans side by side for comparison.
PLAN RATE COMPARISON
TELADOC
Imagine being able to see a doctor without leaving your couch - that’s Teladoc in a nutshell! It’s like having a doctor’s office right in your pocket. With Teladoc, you can have video chats or phone calls with healthcare providers for all sorts of non-emergency issues, from pesky colds to mental health check-ins. No more sitting in crowded waiting rooms or taking time off work for appointments.
Teladoc is changing the game, making healthcare more accessible and convenient than ever before. It’s not just the future of healthcare - it’s the now, and it’s pretty awesome!
And the best part...this is available at a $0.00 copay to you!
Teladoc doctors
treat many medical conditions, including:
• Cold & Flu Symptoms
• Allergies
• Sinus Problems
• Tobacco Cessation
• Sore Throat
• Respiratory Infection
• Skin Problems
• Mental Health
PRESCRIPTION COVERAGE
If you are enrolled in one of SBP Medical plans, you automatically have prescription drug coverage through CVS Caremark.
Check out CVS Caremarks mobile app today to learn more about what drugs are in our formulary (list of covered prescriptions) and how you can sign up for mail delivery on your prescriptions.
DENTAL PLAN
We all want that million-dollar smile, right? Well, SBP offers dental coverage that is like a superhero for your teeth, swooping in to save the day (and your wallet) when you need cleanings, fillings, or even more serious dental work. It’s not just about avoiding those scary dental bills; it’s about keeping your whole mouth healthy. After all, your smile is one of the first things people notice about you! Plus, good oral health is linked to your overall well-being.
You have a choice between two plans, Base Dental Plan and a Buy-Up Dental Plan. Both offer comprehensive dental coverage along with a broad network of dental providers and facilities provided through Delta Dental. Please review each plan to compare which option is right for you and your family.
*Base: Child Only (up to age 19)
* Buy-Up: Adult and Child
VISION PLAN
Your eyes not only affect how you see, but how you feel. Caring for your vision can lead to a better quality of life and better performance at work, school, and home. Given eye care is a vital component of a healthy lifestyle, affordable access to regular exams, contacts or glasses and care is important.
Our vision coverage is offered through Ameritas and you have the option to enroll in the EyeMed Network or the VSP Network.
HEALTH SAVINGS ACCOUNT (HSA | FLORES)
HSAs are a cool way to save money on health care expenses! Think of HSAs as a special savings account for your everyday health costs.
A Health Savings Account (HSA) is a tax-advantaged account that belongs to you and is paired with a High Deductible Health Plan (HDHP). This account can help pay for eligible medical, vision, and dental expenses. The additional contribution or “catch-up” amount for individuals aged 55 and older is $1,000. Any unused HSA dollars will rollover to the next plan year. Employer contributions are only available for the Value Plan (RBP HDHP).
You are eligible for an HSA if you enroll in SBP’s Value or Premium Plan.
FLEXIBLE SAVINGS ACCOUNT (FSA | FLORES)
Flexible Spending Accounts (FSAs) provide opportunities to pay for eligible out-of-pocket health care and dependent care with pre-tax payroll deductions.
* Limited Purpose FSA can be used to pay for eligible outof-pocket dental and vision expenses
MEDICAL FLEXIBLE SPENDING ACCOUNTS (FSA)
FSAs are a cool way to save money on health care expenses! Think of FSAs as a special savings account for your everyday health costs. Here’s how it works: you decide how much to contribute from your paycheck (before taxes!), and then you can use that money for things like doctor visits, prescriptions, or even contact lenses. The best part? You’re saving money on taxes while taking care of your health needs. Just remember, FSA funds need to be used within the plan year, so it’s important to plan your contributions carefully. It’s a smart way to make your hard-earned money go further when it comes to health and care expenses! You are eligible for an FSA if you enroll in SBP’s Elite Plan or if you are not enrolled in one of SBP’s medical plans.
DEPENDENT CARE (FSA)
The Dependent Care FSA is an account that allows you to contribute pre-tax portions of your paycheck to help cover eligible expenses for your dependents’ care while you work. It’s a smart way to save on costs like daycare, after-school programs, or elder care.
Annual contributions may not exceed the limits set by the IRS, for 2026, the limit is $5,000. You may use this account to pay for eligible services for children under age 13 that you claim as a dependent. You may also use this account for dependent adults incapable of caring for themselves (if you provide more than 50% of their support).
LIMITED PURPOSE FLEXIBLE SPENDING ACCOUNT (FSA)
A Limited Purpose FSA allows you to set aside pre-tax dollars for dental and vision expenses only for you and your dependents, even if they are not covered under your primary health plan.
Limited Purpose FSA can be used to pay for eligible out-of-pocket dental and vision expenses ONLY.
For 2026, the limit for the Limited Purpose FSA is $3,300.
You are eligible to open a limited-purpose FSA if you are enrolled in SBP’s Value (RBP) or Premium Plan, which automatically comes with a Health Savings Account (HSA). Per the IRS, you are not able to be enrolled in both an HSA and FSA at the same time.
Just like a regular medical FSA, a limited-purpose FSA is a use-it or lose-it account. Meaning you must spend all dollars in 2026. The IRS does allow $660 to rollover into the next plan year, but that is all.
OVERVIEW OF ALL FSA & HSA PLANS
LIFE & DISABILITY BENEFITS
We know how important it is to protect what matters most, so we provide life and disability benefits at no cost to you.
LIFE BENEFITS
SBP provides basic life and accidental death and dismemberment (AD&D) insurance at no cost to you, so you can help ensure your loved ones are financially protected in the event of an unexpected loss. All employees are automatically enrolled on their first day of employment.
DISABILITY BENEFITS
Whether you’re welcoming a new baby or navigating an unexpected health challenge, SBP’s disability coverage helps protect your income when you need time away from work. SBP provides short-term disability (STD) and long -term disability (LTD) at no cost to you.
• All employees are automatically enrolled in STD on their first day of employment.
• All full-time employees are automatically enrolled in LTD on their first day of employment.
Please note that any disability benefits you receive will be considered taxable income.
401(K) RETIREMENT SAVINGS PLAN
ABOUT 401(K) RETIREMENT
Saving for retirement doesn’t have to be complicated. SBP makes it easy through automatic payroll deductions and a generous company match to help your money grow.
January 1, 2026 – December 31, 2026 Provider: Principal Financial Website: principal.com/Welcome
Who’s Eligible:
All full-time and part-time employees are eligible to participate in the 401(k) plan on the first of the month following 30 days of service. Once you’re eligible, you can enroll at any time! No need to wait for open enrollment.
What SBP Offers
SBP matches $0.50 on every $1.00 of your before-tax contributions, up to 6% of your pay. That’s free money added to your retirement savings, just for participating!
You can choose between:
• Traditional 401(k): Contributions come out of your paycheck before taxes.
• Roth 401(k): Contributions come out after taxes, and qualified withdrawals are tax-free.
INVESTING MADE EASY
Not sure how to choose investments? No problem. Your account will automatically be set to the plan’s default option (a Principal LifeTime Hybrid CIT based on your expected retirement age). You can update your investment choices at any time.
Want help choosing?
Visit: principal.com/MatchEnrollmentWebinar
STAY CONNECTED
Once you’re enrolled, you’ll receive regular updates and tips to help you make smart decisions about your financial future.
DON’T FORGET TO ADD A BENEFICIARY
This ensures your savings go to the people you care about if something happens to you. You can update your beneficiary at any time through your Principal account.
VESTING SCHEDULE
You’re always 100% vested in your own contributions. You’ll become vested in SBP’s matching contributions based on your service:
Enroll now using any of these simple methods:
• Visit: principal.com/Welcome
• Use the Principal® app (download in your app store)
• Text ENROLL to 78259
• Website available in Español
HOW TO GET STARTED SET UP YOUR ACCOUNT
When enrolling, you’ll:
• Set your contribution rate
• Choose or review your investment options
• Designate your beneficiary
• Set up security preferences and read key plan notices
* Employees are always fully vested in their own contributions and are fully vested in the employer match after six (6) years of employment.
VOLUNTARY PLANS
We’ve teamed up with Voya and Nationwide to give you extra insurance options. With Voya, you can choose from three different plans: Critical Illness, Hospital Indemnity, and Accident insurance. These plans give you a cash benefit to help cover expenses that your medical plan might not. You get a lump sum payment that you can use however you need. Check out the plan summaries for a complete list of what’s covered.
We know pets are family too, so we’ve partnered with Nationwide to offer Pet Insurance. This plan helps reduce your costs when your furry friend needs to see the vet.
CRITICAL
ILLNESS
There are more than just medical bills to pay after a heart attack, stroke, or other unexpected covered medical condition. Critical Illness Insurance provides a benefit payment that can help.
Critical Illness Insurance doesn’t replace your medical coverage; instead, it complements it. The benefit payments don’t go out to pay for medical bills or treatments you may need, instead they come in directly to you to be used however you’d like.
HOSPITAL INDEMNITY
Out-of-pocket costs from a stay in a hospital or other medical facility can be overwhelming. As expenses add up, Hospital Indemnity Insurance can help.
Hospital Indemnity Insurance doesn’t replace your medical coverage; instead, it complements it. The benefit payments don’t go out to pay for medical bills or treatments you may need, instead they come in directly to you to be used however you’d like.
ACCIDENT INSURANCE
When an injury happens, Accident Insurance can help.
Accident Insurance doesn’t replace your medical coverage; instead, it complements it. The benefit payments don’t go out to pay for medical bills or treatments you may need, instead they come in directly to you to be used however you’d like.
PET INSURANCE
We all know our furry friends are part of the family, and just like us, they can have unexpected health issues. With pet insurance, you can make decisions about your pet’s care based on what’s best for them, not just what your wallet can handle.
EMPLOYEE ASSISTANCE PROGRAM
(EAP
| COMPSYCH)
You encounter more than just health concerns throughout your life. Manage life’s curve balls with a confidential and complimentary program designed to provide counseling, support, and resources for a variety of personal issues like stress and anxiety, relationship struggles, substance abuse, elder care, financial worries, and much more. Your ComPsych® GuidanceResources® program provides confidential counseling, expert guidance and valuable resources to help you handle any of life’s challenges, big or small.
The program offers confidential guidance to help you address and resolve everyday situations at no cost to you and your family. You will receive 5 sessions per situation, per person, per calendar year.
HOW COMPSYCH CAN HELP
Confidential Emotional Support
• Anxiety, depression, stress
• Grief, loss and life adjustments
• Relationship/marital conflicts
Work and Lifestyle Support
• Child, elder and pet care
• Moving and relocation
• Shelter and government assistance
Financial Resources
• Retirement planning, taxes
• Relocation, mortgages, insurance
• Budgeting, debt, bankruptcy and more
Legal Guidance
• Divorce, adoption and family law
• Wills, trusts and estate planning
• Free consultation and discounted local representation
Digital Support
• Connect to counseling, work-life support or other services
• Tap into an array of articles, podcasts, videos, slideshows
• Improve your skills with OnDemand trainings Life is challenging. We can help. Confidential 24/7 support.
Online Will Preparation
• Quickly and easily complete a will on your computer with EstateGuidance®
• Specify guardians, trustees and property division
• Provide funeral and burial instruction
BENEFITS DOCUMENTS & RESOURCES
MEDICAL BENEFITS RESOURCES
MEDICARE BENEFITS RESOURCES
DENTAL BENEFITS RESOURCES
VISION BENEFITS RESOURCES
FSA & HSA BENEFITS RESOURCES
RETIREMENT BENEFITS RESOURCES
VOLUNTARY BENEFIT RESOURCES
EAP BENEFITS RESOURCES
CONTACT LIST
Medical | Luminare Health
Phone: 1.888.663.8080
Web: www.LuminareHealth.com
RBP Advocacy | ClaimDOC
Phone: 1.888.330.7295
Web: portal.claim-doc.com
Email: membersupport@claim-doc.com
Dental | Delta Dental
Phone: 1.800.932.0783
Web: www.deltadental.com
Prescriptions | CVS Caremark
Phone: 1.866.475.7589
Web: www.Caremark.com
Retirement | Principal (Group #4-51317)
Phone: 1.800.986.3343
Web: www.principal.com
EAP | ComPsych
Phone: 1.877.595.5281
Web: www.guidanceresources.com
Pet Insurance | Nationwide
Phone: 1.877.738.7874
Telemedicine | Teladoc
Phone: 1.800.835.2362
Web: www.teladoc.com
HSA & FSAs | Flores
Phone: 1.800.532.3327
Web: www.flores247.com
Email: Customerservice@flores247.com
Vision | Ameritas
Phone: 1.800.255.4931
Web: www.ameritas.com
Life & Disability | SunLife
Phone: 1.800.247.6875
Web: www.sunlife.com
Voluntary Benefits | Voya
Phone: 1.877.236.7564
Web: www.voya.com/claims
Web: benefits.petinsurance.com/specialtybuildingproducts
