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2025
EMPLOYEE BENEFITS
PLAN GUIDE

Plan Year: November 1, 2025 - October 31, 2026

Welcome

Your benefits are an important part of your overall compensation. We are pleased to offer a comprehensive array of valuable benefits to protect your health, family and way of life. This guide answers some of the basic questions you may have about your benefits. Please read
it carefully, along with any supplemental materials you receive.

Enrollment

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Go to https://www.employeenavigator.com/benefits/account/login There, you will find detailed
information about the plans available to you and instructions for enrolling. Visit our enrollment page for more details.

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Partnerships for 2025

We are pleased to announce our partnerships with AETNA, PRINCIPAL, UNUM, AFLAC and BEYOND MED.

Medical: Through AETNA we will be offering four medical plans.

Dental: Through AETNA we offer a traditional PPO Dental Plan and DMO Dental Plan

Vision: Through AETNA we will be offering one Vision plan.

Basic Life and Disability Insurance: Through UNUM we offer Employer Paid Basic Life and AD&D, Voluntary Life and AD&D, and Voluntary Long-term Disability Insurance plans.

Voluntary Benefits: A variety of plans are available through AFLAC.

Medical

We are proud to offer you medical plans that provides comprehensive medical and prescription drug coverages. The plans
also offer many resources and tools to help you maintain a healthy lifestyle.

Dental

The dental plans offer you the freedom and flexibility to use the dentist of your choice. However, you will maximize your benefits and lower your out-of-pocket costs if you choose a dentist who participates in the Delta Dental network. 

Vision

This plan gives you the freedom to seek care from the provider of your choice. However, you will maximize your benefits and lower your out-of-pocket costs if you choose a provider who participates in the EyeMed network.

Disability and Life Insurance

Disability insurance provides additional salary continuation in the case of extended sickness or recovery from an accident. Life insurance provides your named beneficiary(ies) with a benefit after your death.
Accidental death and dismemberment (AD&D) insurance provides specified benefits to you in the event of a covered accidental bodily injury that directly causes dismemberment.

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