Benefits
We strive to reward our employees for their outstanding work, and offer benefits to promote their professional, personal, and financial well-being.
Your Benefits
We strive to reward our employees for their outstanding work, and offer benefits to promote their professional, personal, and financial well-being.
Our employees are our biggest asset, so we strive to make working for us a great experience for each employee. To this end, we offer benefits and programs that improve the quality of daily life for our employees now and into the future.
Whom to Contact
We encourage you to contact the Benefit Advocates at AssuredPartners, who are experts in health benefits and are able to assist you or your family with any questions you may have. This service is free and confidential to you and all of your family members enrolled on the Verus insurance plans.
Contact AssuredPartners Employee Service Center by phone at 888-343-3330 or by emailing mcm.esc@asssuredpartners.com
Your Medical Benefits
We are pleased to provide you with comprehensive medical plans offered through Cigna. You will get the highest level of benefits when you receive covered services and supplies from a network provider. If the provider you see does not contract with Cigna, you will be responsible for amounts over the allowable charge, in addition to applicable copays, deductibles, coinsurance, etc.
1/1/2024-12/31/2024
Eligibility:
All full-time employees who work at least twenty (20) hours per week are eligible for medical coverage the first of the month following or coinciding with date of hire.
Additional Information
Your Dental Benefits
Verus offers you a dental plan through Delta Dental of Washington. This is a Delta Dental PPO Preferred Provider plan. You can choose any dentist; however, if you select a dentist who is part of the Delta Dental PPO network, your benefits will be paid at a higher level, and your out-of-pocket expenses will likely be lower.
Eligibility:
All full-time employees who work at least twenty (20) hours per week are eligible for dental coverage the first of the month or coinciding with date of hire.
Helpful Resources
Your Vision Benefits
Voluntary Vision
You can enroll in coverage for vision care through Vision Service Plan (VSP). Coverage includes in and out of network benefits for routine eye exams and vision hardware. As a VSP member, you may receive extra discounts and savings on laser vision correction, prescription glasses and contacts.
Eligibility
All full-time employees who work at least twenty (20) hours per week are eligible for vision coverage the first of the month or coinciding with date of hire.
Your Life Insurance Benefits
Eligible employees are automatically enrolled in life insurance through Unum at no cost to you. Your life insurance benefit is equal to 2 times your annual earnings to a maximum of $500,000. Any amount over $450,000 is subject to medical underwriting. Benefit reductions begin at age 65.
Eligibility:
All full-time employees who work at least thirty (30) hours per week are eligible for Life Insurance coverage the first of the month following or coinciding with date of hire.
Your Long Term Disability Benefits
Verus provides eligible employees with long term disability insurance through Unum, which replaces a portion of your income if you were to become sick or injured and unable to work. Your benefits begin after a 180 day elimination period of continuous disability from the date of your disabling condition. The plan will pay 66 2/3% of your covered pre-disability earnings up to a maximum monthly benefit of $15,000. How long you are eligible for benefits is determined by the extent of your disability and ability to work. The plan will not pay benefits for a disability that results from a pre-existing condition for your first 12 months of coverage.
Eligibility:
All full-time employees who work at least thirty (30) hours per week are eligible for Long Term Disability coverage the first of the month following or coinciding with date of hire.
Your Flexible Spending Account Benefits
The money you elect to contribute will be deductible out of your paychecks on a pre-check basis, enabling you to pay less in taxes and have more disposable income.
Health Care FSA
Your Annual Contribution Maximum: $3,200
A Health Care FSA helps you pay for qualified medical, dental or vision out-of-pocket health care expenses. Examples include plan deductibles, copays and coinsurance amounts and other non-covered healthcare costs for you and your tax dependents.
Note: The IRS does not allow contributions to both an HSA and a traditional Health Care FSA. If you are enrolled in the High Deductible Plan and making or receiving contributions to an HSA, you may not participate in the traditional Health Care FSA; however, you may elect the Limited Purpose Health Care FSA.
Limited Purpose Health Care FSA
Your Annual Contribution Maximum: $3,200
Specifically for those members enrolled in a High Deductible HSA Plan, a Limited Purpose Health Care FSA helps you pay for qualified dental and vision expenses only (no medical or prescription drug expenses). Examples include plan deductibles, copays, and coinsurance amounts and other non-covered dental and vision costs for you and your tax dependents.
Dependent Care FSA
Your Annual Contribution Maximum: $5,000 (per household)
Contributing to a Dependent Care FSA allows you to pay for qualified out-of-pocket dependent care expenses. Qualified expenses may include day care centers, in-home child care, and before or after school care for your dependent children under age 13 while both you and your spouse work or go to school full time. Other individuals may qualify if they are considered your tax dependents and are incapable of self-care.
If you choose to have dependent care expenses reimbursed by your Dependent Care FSA, those same expenses cannot be claimed for a dependent care tax credit on your federal income tax return. Consult a tax advisor for more information and to help you choose the best approach for your circumstances.
Eligibility:
All full-time employees who work at least twenty (20) hours per week are eligible for Flexible Spending Account coverage the first of the month following or coinciding with date of hire.
Helpful Resources
Accrue CMS
Your EAP Benefits
Employee Assistance Program (EAP) and Work/Life Balance Services
Verus provides a completely confidential Employee Assistance Program (EAP) through Health Advocate for all employees who are eligible for the Unum LTD plan. These services are available to all employees who are eligible for the Unum LTD plan, their spouse or domestic partner, dependent children, parents, and parents-in-law. Expert support is available 24/7 over the phone or online.
Employee Assistance Program (EAP)
Your EAP is designed to help you lead a happier and more productive life at home and at work. Call for confidential access to a Licensed Professional Counselor. You can get up to three visits, available at no cost to you, per issue per year.
A Licensed Professional Counselor can help you with:
- Stress, depression, anxiety
- Relationship issues, divorce
- Anger, grief, loss
- Job stress, work conflicts
- Family and parenting problems
- And more
Work/Life Balance
You can also reach out to a specialist for help with balancing work and life issues. Just call and a Work/Life Specialist can answer your questions and help you find resources in your community.
Ask your Work/Life Specialist about:
- Child care and elder care
- Financial services, debt management, credit report issues
- Identity theft
- Legal questions
- Reducing your medical or dental bills
- And more
Eligibility:
All full-time employees who work at least thirty (30) hours per week are eligible for Employee Assistance Program coverage the first of the month following or coinciding with date of hire.
Your Additional Benefits
The Accrue Solutions Commuter program allows you to pay for your work-related transit expenses using pre-tax dollars. Once enrolled, the election amount will be deducted from your paycheck pre-tax and loaded onto your Accrue Solutions debit card. You can then use the Accrue Solutions debit card in place of a personal debit or credit card to purchase services at any transit or parking facility that accepts MasterCard. There is no claim filing required, and there is no open enrollment period for this program. Employees can join for any month.
Eligibility:
All full-time employees who work at least twenty (20) hours per week are eligible for commuter benefits coverage the first of the month following or coinciding with date of hire.
Helpful Resources
Accrue
Your Additional Benefits
Travel Assistance Program
Also, through your life insurance coverage, you, your spouse, and your dependent children have access to worldwide travel assistance through Assist America. Whenever you travel 100 miles or more from home, be sure to keep this service in mind. Add the number to your cell phone contacts so it’s always close at hand, or download the Assist America Mobile App. Whether traveling for business or pleasure, just one phone call can connect you and your family to these medical and other important services 24 hours a day:
- Hospital admission assistance
- Emergency medical evacuation
- Prescription replacement assistance
- Transportation for a friend or family member to join a hospitalized patient
- Care and transport of unattended minor children
- Emergency message services
- Referrals to Western-trained, English-speaking medical providers
- Legal and interpreter referrals
- Passport replacement assistance
Eligibility:
All full-time employees who work at least thirty (30) hours per week are eligible for travel assistance coverage the first of the month following or coinciding with date of hire.
Helpful Resources
Assist American through Unum
medservices@assistamerica.com
Reference #: 01-AA-UN-762490
1-800-872-1414
