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Message OPEN ENROLLMENT:BENEFITS
• If you are considered full-time, working 30+ hours, you are eligible to enroll in benefits. • Dependent Eligibility- Spouse & Children up until age 26Who is NOT eligible: • Part-time employees • Contractors• Children over the age of 26 Friends/roommates • GrandchildrenWHO IS ELIGIBLE?Plan Year 2025
How Do I Enroll?- Elections made via Paycom- Open Enrollment will be ACTIVE meaning each benefit must be elected or waived in order to have coverage on January 1st. - Current elections will not rolloverHow & When to Enroll?Plan Year 2025When Do I Enroll?Open Enrollment Time Frame:Monday, December 9th–Wednesday, December 18thThe benefits you elect are effective:January 1, 2025
Unless you have a qualified change in status, you cannot make changes to the benefits you elect until the next open enrollment period.Qualified changes in status include:• Marriage• Divorce• Legal separation• Status change• Birth or adoption of a child• Change in child’s dependent status• Commencement or termination of adoption proceedings• Death of a spouse, child or other qualifying dependent• Change in spouse’s benefits or employment statusWHEN CAN I MAKE CHANGES?You must report the qualifying change within 30 days of the event. If the qualifying event is not reported within 30 days, you will not be able to make the change until the next open enrollment period.Plan Year 2025
MEDICAL & RX PLAN HIGHLIGHTSPlease refer to the Summary of Benefits and Coverage which explains the full range of covered services.www.sdcnutritionbenefits.comPPOMEDICAL Plan Payroll Deductions (Per 24 Pay Periods)Plan NameEmployeeEmployee + SpouseEmployee + Child(ren)Family$5,500 OAP$43.74 $98.86 $159.00 $225.17
An HRA is an account that helps to cover your health care expenses incurred by you, your spouse, and your dependents. It comes with our Health Plan and helps to offset your deductible. Note: The HRA only covers eligible in-network medical deductible expenses. Copays and coinsurance do not apply towards the deductible and are therefore not reimbursable through the HRA. The HRA does not cover any claims incurred under the dental or vision plans. EE Only: $4,500 EE + Spouse: $9,000 EE + Child(ren): $9,000 Family: $9,000HEALTH REIMBURSEMENT ACCOUNT (HRA)Plan Year 2025
DENTAL PLAN HIGHLIGHTSPlan Year 2025DENTAL Plan Payroll Deductions (Per 24 Pay Periods)Plan Name EmployeeEmployee + SpouseEmployee + Child(ren)FamilyDental $11.07 $15.00 $15.00 $15.00SDC Nutrition offers a Dental plan throughGuardian. The chart above shows thehighlights of our Dental option.A complete benefit summary is available onwww.sdcnutritionbenefits.com
VISION PLAN HIGHLIGHTSPlan Year 2025The following chart shows the features of the Vision benefit option offered by Guardian. A complete benefit summary is available on www.sdcnutritionbenefits.comVISION Plan Payroll Deductions (Per 24 Pay Periods)Plan Name EmployeeEmployee + SpouseEmployee + Child(ren)FamilyVision $2.71 $2.71 $2.71 $4.33
SDC Nutrition has partnered with Lincoln to provide members the opportunity to purchase additional life insurance through after-tax payroll deductions. VOLUNTARY LIFE AND AD&D PLAN HIGHLIGHTSEmployee Benefit Amount: LifeIncrements of $10,000 to a maximum of 5x salary up to $500,000Guarantee Issue Amount:$150,000Age Reduction: 35% at age 65, 50% at age 70Spouse Benefit Amount: LifeIncrements of $5,000 to a maximum of $50,000(not to exceed 50% of the employee election)Guarantee Issue Amount:$10,000Age Reduction: 35% at age 65, 50% at age 70Child(ren)Benefit Amount: Life$10,000, not to exceed 50% of employee’s benefitGuarantee Issue Amount: $10,000Plan Year 2025
VOLUNTARY DISABILITY INCOME BENEFITSShort-Term Disability Long-Term DisabilityPremiumsVary based on age & coverage levelVary based on age & coverage levelBenefits Begin15thday for accident; 15thday for illness91stdayPercentage of Income Replaced60% of pre-disability income, up to $1,500 per week60% of pre-disability income, up to $10,000 per monthBenefits Payable 11 weeks 5 years up to age 70Pre-Existing Condition Limitation3 months prior/12 months insured3 months prior/12 months insuredPlan Year 2025
A Few Important Reminders2025 Open EnrollmentDecember 10th– December 18th, 2024• Benefit changes are effective January 1, 2025.• All enrollment changes MUST be submitted by Wednesday, December 18th• If applicable, Evidence of Insurability (EOI) must be submitted for voluntary life coverage.
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