The following table summarizes benefit options available to eligible employees.
Plan | Your Choices | Who Pays the Cost of Coverage |
| BlueCross BlueShield PPO BlueCross BlueShield CDHP/HSA (Consumer-Driven Health Plan with Health Savings Account) Out-of-area coverage (if applicable) | You and the company share the cost |
| MetLife | You and the company share the cost |
| Vision Service Plan | You pay |
| During 2023, if enrolled in the CDHP medical plan and eligible to contribute to a Health Savings Account, contribute on a tax-free basis up to $3,850 for employee-only coverage or up to $7,750 for coverage that includes dependents (amount includes any company contribution) IRS allows an additional catch-up contribution of up to $1,000 if 55 or older in 2023 If your annual salary is less than $100,000, the company will make a contribution to your HSA of up to $650 for employee-only coverage or up to $1,300 for coverage that includes dependents (amount depends on your salary) Use for eligible medical, dental or vision expenses | You make voluntary contributions, and if you are enrolled in the CDHP and are eligible for an HSA, you may qualify for a company contribution |
| Regular Health Care Flexible Spending Account: For use with the PPO and for those employees not electing medical coverage or ineligible for the HSA Contribute $300 to $3,050 per year on a before-tax basis Use for eligible medical, dental and vision care expenses Limited-Purpose Health Care Flexible Spending Account For use with CDHP if participating in HSA Contribute $300 to $3,050 per year on a before-tax basis Use for eligible dental and vision care expenses only | You make voluntary contributions |
| Contribute $300 to $5,000 per year on a before-tax basis (the company match counts toward the maximum contribution) You will receive a $1 for $1 match up to $20 per week (not to exceed $1,040 annually) if you are contributing | You make voluntary contributions and the company matches a portion |
| Counseling or referral for medical treatment for help with problems such as relationship concerns, parenting, stress, legal matters, life planning, and alcohol and substance abuse Up to five free sessions per year per issue for you and any dependents | The company pays |
| For most employees, two times your base annual earnings, up to $1,000,000 maximum | The company pays |
| Coverage (up to $1,000,000) of: One times to five times your base annual earnings Guarantee issue limit is $750,000 | You pay |
| Option 1 — $10,000 for spouse; $5,000 for unmarried children under age 26 Option 2 — $5,000 for spouse; $2,500 for unmarried children under age 26 Option 3 — $20,000 for spouse; $10,000 for unmarried children under age 26 | You pay |
| One times to six times your base annual earnings, up to $500,000 | You pay |
| Coverage for: Spouse only — 60% of your coverage amount Children only — 20% of your coverage amount Spouse and children — 50% and 15% of your coverage amount, respectively | You pay |
| Coverage for: Employee — 1-1/2 times your annual earnings (minimum of $100,000, maximum of $300,000) Spouse — $50,000 Each child — $25,000 | The company pays |
| Coverage of 60% of base monthly earnings, up to a maximum monthly benefit of $10,000 | The company pays |
| Termination benefits provided to certain eligible employees whose employment is involuntarily terminated | The company pays |
| Prepaid legal services through a nationwide network of attorneys | You pay |
| Apply for auto, home and other property insurance at special group rates | You pay |
| Lump-sum payment in the event of certain major illnesses, medical conditions or major procedures to help pay costs not typically covered by other types of insurance, such as coinsurance, out-of-network treatments, child care, mortgage payments and other expenses | You pay |
| Legal and identity theft coverage accessed with one phone call | You pay |