Denomas Inc (US) Benefits

Related Pages:

• Total Rewards Processes & Audits for US Benefits
• People Policies - Leave of Absence

Specific to US based team members

US based benefits are arranged through Willis Towers Watson and managed on the PlanSource platform. The benefits decision discussions are held by Total Rewards, the CFO, and the CEO to elect the next year’s benefits by the carrier’s deadlines. Total Rewards will notify the team of open enrollment as soon as details become available.

2024 Plan Year

As Denomas continues to grow and mature, we take measures to minimize cost increases to team members; however, we all will see medical insurance premium increases for 2024 due to rising costs with inflation, labor shortages, and increasing health & drug costs. The company will continue to cover a great majority of Team Members’ cost of insurance – about 85% across all plans.

• For Team Member Only Coverage Denomas will continue to pay 100% for the Cigna HDHP plan and contribute $1,200 to your HSA. To help manage rising costs, there will be a premium for the Cigna PPO, Cigna EPO, and Kaiser HMO plans.
• For Dependent Level Coverage: Monthly premiums are increasing for all plans (including the Cigna HDHP plan). To help offset the impact, Denomas will now contribute $1,500 into your HSA.

2024 Open Enrollment

Denomas’ US Benefits Open Enrollment for Calendar Year 2024 will take place from 2023-10-30 through 2023-11-13.

This year is an active Open Enrollment. You must actively elect if you want coverage in 2024 or if you want to waive coverage and receive the medical allowance. We are implementing significant changes next year, so you must actively select the benefits you want for 2024 –your existing benefits elections will not automatically roll over.

If you do not enroll or waive coverage, your medical plan will default to the Cigna HDHP Team Member only coverage with no HSA – and you will waive all other benefits.

Please see additional information on the 2024 US benefits Plans

• Need help selecting a plan? Check out the PlanSelect Tool to help you find a plan that best suits your needs. You can also reach out to the Cigna One Guide Service to walk through the Denomas Cigna plans available.
• Review the 2024 Benefits MEMO and 2024 US Benefits Guide for full plan details and updated plan rates. - Candidates and New hires who are about to start with Denomas can view this document by clicking on the link and requesting access, access will be granted shortly after request.
• Coming Soon: Benefits Video with a full review of the benefit plans.
• Denomas offers Mental Wellnesss Services through Modern Health. In addition to these services, team members that enroll in the Cigna and Kaiser plans have access to their network of Mental Health Programs and Resources
• Please review the most recent Summary of Material Modifications from Jan 1, 2022. Please review the 2024 Annual Rights and Notices
• Transparency in Coverage Starting July 1, 2022, this link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data

2023 Plan Year

For the 2023 plan year Denomas will continue to cover 100% of team member coverage and will increase the employer contribution portion for dependent medical coverage from 66% to 71% for all medical plans with dependent coverage.

Please see additional information on the 2023 US Benefit Plans:

• Review the 2023 Benefits at Glance and 2023 US Benefits Guide for full plan details and updated plan rates. - Candidates and New hires who are about to start with Denomas can view this document by clicking on the link and requesting access, access will be granted shortly after request.
• Watch the 2023 US Benefits Video for a full review of the benefit plans.
• Watch the High Deductible (HDHP) & HSA Deep dive Webinar to learn more about this health plan and the tax advantages of enrolling in the HDHP plan with an HSA.
• Denomas offers Mental Wellnesss Services through Modern Health. In addition to these services, team members that enroll in the Cigna and Kaiser plans have access to their network of Mental Health Programs and Resources
• Please review the full summary plan description of all related health benefitsPlease review the 2023 Annual Rights and Notices

See the 2023 HDHP, PPO, and EPO Summary Plan Descriptions for reference.

Illinois Team Members: In accordance to the Illinois Consumer Coverage Disclosure Act, please find the 2023 Coverage Summary for the essential health benefits available to you.

2021 & 2022 Plan Year

Team Members can find information on the 2021 Calendar Year benefit plans, details, and open enrollment archived here.

Team Members can find information on the 2022 Calendar Year benefit plans, details, and open enrollment archived here.

Who To Contact

• For a full list of carrier contacts please see the Benefit Mobile Wallet Card
• For benefit inquiries and assistance with any claims escalations: WTW Benefits Helpline 877-409-9288 or Denomas@willistowerswatson.com
• For support with the PlanSource system: total-rewards@ gitlab
• For questions regarding internal policies, etc. 401k, : total-rewards@ gitlab.com

ID Cards

Cigna will be moving from Physical to Digital ID cards. Team members can request a physical medical card on mycigna.com. Please allow up to two weeks for ID cards to generate after completing your enrollment.

Kaiser cards will be mailed within 3 weeks of submitting your benefit elections.

• Cigna: Digital ID cards are available through the myCigna website or the myCigna mobile app.
• Kaiser: Digital ID cards are available through the Kaiser website or the Kaiser mobile app.

Enrolling in Benefits

If you have existing coverage when joining Denomas (e.g. coverage for an additional month from your prior employer), you have the option of enrolling in Denomas’ coverage after your prior coverage terminates. If you wish to do this, you should register with PlanSource during onboarding and waive all coverages. Once your previous coverage is terminated, you should sign up for coverage through PlanSource on or within 30 days of the termination date by initiating a Qualifying Life Event and providing proof of coverage termination.

If you do not enroll in a plan within your benefits election period, you will automatically be enrolled in the High Deductible Health Plan (HDHP).

More information on the processed deductions in payroll from PlanSource can be found on the Accounting and Reporting page.

For questions on benefits, please see the following PlanSource Video Library.

Logging into PlanSource

You can log into PlanSource through your Workday profile. There is an integration built between Workday and Plansource that allows for single sign on.

1. Login into the Workday site via Okta. Note: Plansource does not appear in Okta but in Workday directly.
2. Once you have logged into Workday click View All Apps link. Click Personal Information app
3. Scroll to the bottom of the page under External Links, select US Benefits Enrollment - PlanSource
4. The benefits enrollment portal will then open in a separate screen for you to complete your enrollments or review your plans.

Review the PlanSource Login & Enrollment Guide for additional details on logging in and electing benefits.

Eligibility

Any active, regular, full-time team member working a minimum of 30 hours per week are eligible for all benefits. Benefits are effective on your date of hire. Others eligible for benefits include:

• Your legal spouse or domestic partner,
• Your dependent children up until age 26 (including legally adopted and stepchildren), and/or
• Any dependent child who reaches the limiting age and is incapable of self-support because of a mental or physical disability

Note: If you and an eligible dependent (as defined above) are both employed by Denomas, you may only be covered by Denomas’ coverage once. This also applies to enrolling in either your own supplemental life insurance or supplemental spouse/dependent life insurance through your dependent who is employed by Denomas, but not both.

Qualifying Life Events

Due to IRS guidelines, you cannot make changes to your health insurance benefits outside of Denomas’ annual open enrollment period unless you experience a Qualifying Life Event.

A QLE is a change in your situation — like getting married, having a baby, etc that can make you eligible for a special enrollment period. You must wait until the event date has passed to submit your Qualifying Life Event. You have 30 days from the date of your qualifying event to submit your requested change to PlanSource.

Once approved, coverage will be backdated to the date of the event.

Process for submitting a QLE

1. Log into PlanSource
2. Select Update your current Benefits.
3. Select the Life Event that applies to your situation from the list & enter the event date.
4. The system will ask you to review your personal details, update as necessary and select continue.
5. If your Life Event includes adding a new dependent, select Add Dependent and add their information. (For Birth Event: If you are still pending the SSN for your newborn, you may continue the request without this information and can add later when received.)
6. Click Select Benefits and the system will lead you to the Benefit plans you can update.
   • If adding a dependent to the plan(s), scroll to the plan(s) you wish to add them on and select View or Change Plan. On the next page, select the specific plan you want to enroll in (if you wish to continue on your current plan, select that plan). On the specific plan page, add your new dependent by checking their name. Click Update Cart.
   • If removing a dependent from the plan(s), scroll to the plan(s) you wish to remove them from and select View or Change Plan. On the next page, select the specific plan you want to enroll in without your dependent (if you wish to continue on your current plan, select that plan). On the specific plan page, remove your dependent by unchecking their name. Click Update Cart.
   • Adjust savings accounts or insurance plans by clicking on the View or Change Plan button next to the plan name. Click Update Cart after you’ve made your desired changes.
7. Once you have made all of your changes, please click the button to Review and Checkout
8. You will be taken to a screen to review the costs of your benefits and will need to click Checkout again to confirm your changes. The request will be routed to the Total Rewards team for review.

If your Qualifying Life Event requires documentation the steps below will follow your QLE request

1. Following your QLE request, you will receive an email from PlanSource requesting documentation for your Qualifying Life Event.
2. Log into PlanSource. On your PlanSource Homepage, scroll down to “Your To-Do List”. Select the Task requesting documentation for your life event.
3. Upload the documentation in to PlanSource.
4. Once submitted the Total Rewards Team will review your request and documentation for approval.

Group Medical Coverage

Denomas offers plans from Cigna, as well as additional Kaiser options for residents of California. Hawaii residents are offered Kaiser options for medical plan enrollment. For those who actively waive medical coverage, Denomas offers a medical allowance.

If you do not enroll in a plan within your benefits election period, you will automatically be enrolled in the High Deductible Health Plan (HDHP), with no HSA.

Denomas has confirmed that our medical plans are CREDITABLE. page 10 of the 2023 Annual Notice and page 9 of the 2024 Annual Notice of the If you or your dependents are Medicare eligible or are approaching Medicare eligibility, you will need this notice to confirm your status when enrolling for Medicare Part D. For more information about Medicare prescription drug coverage:

• Visit www.medicare.gov
• Call your State Health Insurance Assistance Program (see the “Medicare & You” handbook for their telephone number) for personalized help.
• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.

Please see the 2024 Annual Notice for all of Denomas’ notices surrounding the Health and Welfare plans & contacts

Medical Allowance

If you already have current group medical coverage, you may choose to waive or opt out of group health benefits. If you choose to waive health coverage, you will receive a $300.00 monthly benefit allowance and will still be able to enroll in dental, vision, optional plans, and flexible spending accounts.
In order to receive the monthly benefit allowance you must log on to PlanSource and actively waive medical cover.

If you do not enroll in a plan within your benefits election period, you will automatically be enrolled in the High Deductible Health Plan (HDHP).

Cigna Medical Plans

Cigna 2023 & 2024 Calendar Year Plans

Coverages:

Cigna plans are available to team members located in all US states, with the exception of Hawaii.

In Network:

** In order for the EPO plan to be compliant in all states, it has been set up as a PPO plan with bad out-of-networks benefits including a deductible of $10k/$20k, an Out of Pocket Max of $20k/$40k, and a coinsurance of 50%. Please do not enroll in this plan if you are intending to use the out-of-networks benefits and instead review the Cigna PPO 500 or Cigna HSA plans.. Please note that there is no inertility cover under the EPO plan as well, see here for more details on the infertility benefits.

*** Cigna will provide an extended network PPO Plan for Utah team members which will include the Intermountain Healthcare System.

^ The linked Prescription Drug List is subject to change. When making a change mid-year, Cigna states that they will send out the following communication to impacted members: centralized notification 60 days prior, 2 letters before the change, and 1 letter after the change.

Accredo is Cigna’s specialty pharmacy. For more information on managing your speciality medication please review the Accredo Customer Flyer.

Team Member Costs:

2023 Rates: The following costs are monthly rates which would be deducted from your paycheck.

2024 Rates: The following costs are monthly rates which would be deducted from your paycheck.

Note: For the HSA, Denomas will contribute $100 per month for individuals and $125 per month for team members + dependent(s) cover. For residents of California, Alabama, and New Jersey this additional contribution is taxable on the state level.

Watch the 2023 High Deductible (HDHP) & HSA Deep dive Webinar to learn more about this health plan and the tax advantages of enrolling in the HDHP plan with an HSA. A 2024 HDHP webinar will be planned during Open Enrollment

Cigna Emotional Well-Being Virtual Support

Enrolled Cigna members can find in-network mental health providers by logging in to their mycigna.com account, selecting “connect now” under “My Health Team”. For more information on virtual support please see the the Emotional Well-Being Virtual Support flyer.

Cigna Infertility Services

Infertility services will be included in both the PPO 500 plan and HSA plan. This includes a $15,000 lifetime infertility benefit for each covered member. There is no infertility cover on the EPO plan.

Coverage will be provided for the following services:

• Testing and treatment services performed in connection with an underlying medical condition.
• Testing performed specifically to determine the cause of infertility.
• Treatment and/or procedures performed specifically to restore fertility (e.g. procedures to correct an infertility condition).
• Artificial Insemination, In-vitro, GIFT, ZIFT, etc.

See the HDHP, PPO,Summary Plan Descriptions for more details.

Cigna Transgender Benefit Coverage

Cigna has advised they will provide WPATH compliant coverage for all plans. For more information on their coverage, please see the coverage policy document. For Cigna to provide coverage, medical necessity must be proven. It is highly recommended to go through the prior authorization process when seeking treatment.

Please reach out to the Total Rewards team and WTW with any questions or if you need help while seeking authorization for a treatment.

Cigna Provider Search

1. Visit myCigna. If you haven’t previously registered for an account, you will want to register.
2. Select “Find Care & Costs” at the top of the page.
3. Here you can select to search by Doctor Type, Name, Reason for Visit, Facility, or you can price a medication at local pharmacies.
4. When you scroll down, there are quick links for your nearest urgent care and telehealth.

Potential joiners who do not have a myCigna account yet can search for providers on the Cigna Website. When selecting a plan everyone at Denomas (PPO, EPO, and HDHP members) will use the OPEN ACCESS PLUS selection, except for Utah members, who will use the PPO option.

Team Members and potential joiners can also reach out to the Cigna One Guide service to check if their doctors are in-network and walk through the Denomas plans with a Cigna rep.

Cigna Telehealth

Virtual visits for Cigna members can be accessed by visiting myCigna, selecting “Find Care & Costs” and scrolling down to the bottom of the page.

Cigna Coverage Outside Service Area - International travel

Benefits for services and supplies received outside the Service Area are covered only for medical emergencies and other urgent situations where treatment could not have been reasonably delayed until the insured person was able to return to the United States

Kaiser Medical Plans

Kaiser 2023 & 2024 Calendar Year Plans

The following Kaiser options are available for Hawaii residents. Residents in California and Colorado have the Kaiser options below, in addition to the Cigna plan options.

Coverages:

The Kaiser 2023 & 2024 Coverage details can be found below.

Please see the 2023 Disclosure Part 2 form for the Kaiser CA Plans and the 2024 Disclosure Part 2 form for Kaiser CA Plans

Team Member Costs:

The following costs are monthly rates which would be deducted from your paycheck.

2023 Rates: The following costs are monthly rates which would be deducted from your paycheck.

2024 Rates: The following costs are monthly rates which would be deducted from your paycheck.

Kaiser Telehealth

Virtual visits for Kaiser members can be accessed by logging into Kaiser’s online portal. Please consult the online portal and your plan details for your copay amount.

Kaiser Coverage

Kaiser provides or arranges for Services or supplies directly to you and your Family Dependents through an integrated medical care system. You must receive your health care from KP providers and in KP facilities within the Kaiser Service Area except for these services:

Written and authorized referrals (by a KP provider and/or our Authorizations and Referrals department)

• Emergency care
• Out-of-state Urgent Care when traveling
• Dependent child benefits (as described in this EOC) while out-of-state

Outside the Service Area

Your benefits outside the Service Area are limited to:

• Emergency Services or out-of-state Urgent Care benefits described in the Benefit Summary
• Dependent Child outside the Service Area benefits described in the Benefit Summary
• Authorized referrals by KP provider

Kaiser Period to Submit Claims

For in-network services: N/A.

For out-of-network services: 365 days from Date of Service.

Kaiser Infertility Services

Kaiser California are covered for infertility services at 50% co-insurance. Coverage includes services for diagnosis and treatment of infertility. Coverage does not include conception by artificial means (IVF/GIFT/ZIFT/etc). Please check with the WTW Benefits Helpline 877-409-9288 or Denomas@willistowerswatson.com for more information.

Kaiser Hawaii Plan members are covered for an infertility consultation and certain In Vitro Fertilization (IVF) procedures. More information on the Infertility services for Hawaii Kaiser members can be found on the 2024 Hawaii Health Plan.

Kaiser Chiropractic and Acupuncture

Review the 2023 Kaiser Permanente Chiropractic and Acupuncture Benefits flyer for more information on these plans.

Review the 2024 Kaiser Permanente Chiropractic and Acupuncture Benefits Flyer

Pregnancy & Maternity Care

With medical plans, Denomas offers pregnancy and maternity care. Depending on the plan you selected, your coverages may differ for in-network vs out-of-network, visits, and inpatient care. Please contact the Total Rewards team or WTW with any questions about your plan. To learn more about Parental Leave, please refer to our Parental Leave policy. Once your child has arrived, please follow the steps outlined above in regard to this Qualifying Life Event.

You may need a reasonable accommodation during your pregnancy. For more information regarding Denomas’ Pregnancy Accommodation policy, please also refer to our Individuals with Disabilities policy.

Dental

Dental is provided by Cigna, plan: DPPO. Effective 2024-01-01 Denomas will offer a Base and Buy-Up Dental Plans

Dental does not come with individualized insurance cards from Cigna, although you can download them by setting up a Cigna account through the Cigna website. Cigna’s site and app will house individualized ID cards team members can access at any time. For the most part, dental providers do not request or require ID cards as they look up insurance through your social security number. If you need additional information for a claim please let the WTW know. Cigna’a mailing address is PO Box 188037 Chattanooga, TN, 37422 and the direct phone number is 800-244-6224.

When submitting a claim, you can mail it to Cigna Dental PO Box 188037 Chattanooga, TN, 37422 or fax it to 859-550-2662.

Dental 2023 Calendar Year Plan

Coverages:

Team Member Costs:

The following costs are monthly rates which would be deducted from your paycheck.

2023 Rates: The following costs are monthly rates which would be deducted from your paycheck.

Dental 2024 Calendar Year Plan

Coverages:

Team Member Costs:

The following costs are monthly rates which would be deducted from your paycheck.

2024 Rates: The following costs are monthly rates which would be deducted from your paycheck.

Cigna Dental Period to Submit Claims

For in-network services: N/A.

For out-of-network services: 365 days from Date of Service.

Vision

Vision is provided by Cigna. Effective 2024-01-01 Denomas will offer a Base and Buy-Up Vision Plans

Effective 2023-01-01 Cigna will be partnering with EyeMed for their vision plans, you can check coverage details on mycigna.com

When submitting a claim, you can mail it to Cigna Vision PO Box 385018 Birmingham, AL 35238 or submit it online using the following instructions:

1. Log in or register an account at https://cigna.vsp.com/.
2. Navigate to “Claims & Reimbursement” on the left panel.
3. Choose yourself or dependent from the dropdown depending who the claim is for.
4. Expand the “Customer Reimbursement Form” section.
5. Click “Continue” to be taken to the online claim form. Make sure you attach an itemized receipt when prompted.

Vision 2023 Calendar Year Plan

Coverages:

Team Member Costs:

The following costs are monthly rates which would be deducted from your paycheck.

2023 Rates: The following costs are monthly rates which would be deducted from your paycheck.

Vision 2024 Calendar Year Plan

Coverages:

Team Member Costs:

The following costs are monthly rates which would be deducted from your paycheck.

2024 Rates: The following costs are monthly rates which would be deducted from your paycheck.

Cigna Vision Period to Submit Claims

For in-network services: 365 days from Date of Service.

For out-of-network services: 365 days from Date of Service.

Basic Life Insurance and AD&D

Denomas offers company paid basic life and accidental death and dismemberment (AD&D) plans through Cigna which is a subsidiary of New York Life. The Company pays for basic life insurance coverage valued at two times annual base salary with a maximum benefit of $500,000, which includes an equal amount of AD&D coverage. Please find addtional details, limitations, and exclusions on the summary of benefits.

Employee Assistance Program

Under the New York Life Group Benefit, US Team Members also have access to the New York Life Employee Assistance Program. The Program includes:

• Visits with a specialist: 3 face to face sessions with a behavioral counselor
• Legal Consultations and referrals: a free 30 minute consultation with a network attorney and up to 25% discount on select fees
• Financial Consultations: a free 30 minute consultation and a 25% discount on tax planning and preparation
• An advocate that can help assess your needs, develop solutions, direct you to resources and more!

For more information and how to access these benefits, please see the EAP flyer

Group Long-Term and Short-Term Disability Insurance

Denomas provides, at no cost to our Inc and Federal team members, a disability policy through NY Life that may replace up to 66.7% of your base salary, for qualifying disabilities. For short-term disability there is a weekly maximum benefit of $2,500; for long-term disability, there is a monthly benefit maximum of $12,500.

Short-term disability insurance has a 7-calendar day waiting period before payments begin. Benefits coverage (medical, dental, vision, etc.) and vesting will continue for the time the team member is receiving short-term disability pay.

Denomas Process for Disability Claim

1. Team Members unable to work due to disability, as defined by the applicable short-term disability plan, should contact the Absence Management team (leaves@denomas.com) as soon as possible. See Sick Time reporting proceedures in the US.
2. The Absence Management team will complete the Employer portion of the the Short-Term disability application and email the completed portion along with the Assignment of Benefits form.
3. At the end of the maximum benefit period for short-term disability of 12 weeks, the team member will determine whether they are able to return back to work.
   • If the team member intends to return on or before the end of the 12 weeks, they should email leaves@denomas.com a Return to Work authorization form from their physician stating that they are able to return to work and listing any accommodations needed, if applicable, at least 5 calendar days before their return date. The Absence Management team will request this at least 5 business days before the team member’s anticipated return to work date if not already provided by the team member.
   • If the team member is unable to return, the team member will be moved to unpaid leave and will have the option to continue their benefits by electing COBRA coverage. The team member will be eligible to apply for long-term disability at this time.

Short-Term Disability Claim Process via NYLife

1. Team member will submit the Claimant portion of the Short-Term Disability application and remit to their physician to complete the rest.
   • The completed application can be sent directly to NYLife (using the mail or fax number at the top of the form) or can be returned to the Absence Management team and will be submitted on the team member’s behalf.
   • This is completely at the preference of the team member or the requirement from the doctor, but the team member should confirm the choice with the Absence Management team.
2. If the team member opts to send the form directly to NYLife, the Absence Management team will email the completed employer portion of the Short-Term Disability form to NYLife via email: GBSIntakePaper@newyorklife.com.
3. NYLife Claims Process:
   • Within 3 business days of NYLife receiving the claim, their claims team will contact the team member to gather additional medical or eligibility data, if needed.
   • The claims team will also contact the Absence Management team to confirm eligibility and verify job responsibilities, if needed.
   • The NYLife claims team will immediately begin reviewing the information available to make a decision. NYLife may also contact the team member’s physician (if needed) once NYLife has the team members authorization to do so.
   • If the claim is denied, the team member will receive a call from NYLife explaining the decision. The Absence Management team will also receive a notification of the denial and process any pay owed to the team member.
   • If approved, communication is sent to the Absence Management team and claim status reports with approval date and estimated return-to-work date is provided.
4. The Absence Management team will process the approval or denial and file all related paperwork in Workday.

Employee Assistance Program

Denomas team members in the United States are eligible for a complementary Employee Assistance program as a result of enrollment in the long-term disability plan through Cigna, dependents who are enrolled in a Cigna coverage are also eligible. More information can be found online on myCigna for the following topics: Emotional Health and Family Support, Home Life Referrals, Financial and Legal Assistance, Job and Career Support, and other topics.

ARAG Legal Insurance

Team Members can enroll in a Legal Insurance plan with ARAG during Open Enrollment and New Hire Enrollment.

Legal Insurance provides:

• Network attorney fees are 100% paid in full for most covered matters.
• Save hundreds, possibly thousands, when dealing with common legal matters.
• Work with a network of local, experienced attorneys who can provide advice, review documents and represent you.
• Use DIY Docs®, an online tool that helps you create a variety of legally valid documents, including state-specific templates.

Team Members can choose between Two Legal Plan Options:

UltimateAdvisor, which provides comprehensive legal coverage, and UltimateAdvisor Plus™, which offers even more legal protection and additional services like, financial education and counseling, tax services and services for parents/grandparents. With UltimateAdvisor Plus™, custody and alimony matters are also covered.

UltimateAdvisor® Legal Insurance: $18.25 per month

UltimateAdvisor Plus™ Legal Insurance: $20.90 per month

ARAG resources

• Mobile Arag Legal App Flyer
• Common Legal Needs ARAG can assist with
• ARAG learning Center (Resources for ALL team members)
• ARAG FAQ
• Diversity, Equity, and Inclusion Benefits

Pet Insurance

Denomas offers team members to join the MetLife group Pet Insurance plan. A MetLife Pet Insurance plan helps cover the costs when unexpected accidents or illnesses occur, so nothing gets in the way of caring for your pet when they need it most.

Team Members can enroll in this benefit anytime after 2023-10-30

With MetLife Pet Insurance, you can get:

• Flexible insurance plans that can cover the entire pet family with no breed exclusions
• Freedom to visit any U.S. veterinarian and reimbursement up to 90% of the cost of services
• Family plans covering multiple cats and dogs on one policy – a benefit exclusive to MetLife Pet2
• 24/7 access to Telehealth Concierge Services for immediate assistance
• Discounts up to 30% and additional offers on pet care, where available
• Optional Preventive Care coverage4
• Coverage of previously covered pre-existing conditions when switching providers

For more details and steps on how to enroll please see the MetLife Pet Insurance flyer & Enrollment Instructions

529 Savings Plans

Coming in 2024, Denomas will offer access to 529 plan investments to US team members so that you can use tax-advantaged savings for your child’s future education expenses.

More details and links will be provided by 2024-01-01

Student Loan Option

Coming in 2024, Denomas will offer a student loan program through SoFi.

More details and links will be provided by 2024-01-01

401k Plan

The company offers a 401k plan in which you may make voluntary pre-tax contributions toward your retirement.

Administrative Details of 401k Plan

1. You are eligible to participate in Denomas’ 401k as of your hire date. There is no auto-enrollment. You must actively elect your deductions.
2. You will receive an invitation to register for access to your account on Fidelity NetBenefits who is Denomas’ plan recordkeeper. For more information about Fidelity, please check out this Brainshark video.
3. Any changes to your plan information will be effective on the next available payroll.
4. Once inside the platform you may elect your annual/pay-period contributions and investments.
5. If you have any questions about making changes to your elections, we recommend that you reach out to Fidelity directly, by chat in the app, or by phone at 800-835-5097.
6. Please review the Summary Plan Document, QDIA, Fee Disclosure. If you have any questions about the plan or the documents, please reach out to Total Rewards at total-rewards@denomas.com. Total Rewards is not able to advise you on your financial decisions.
7. ADP payroll system monitors and will stop the 401(k) contribution when you have reached the IRS limit for the year. Please keep in mind, if you have prior contributions from another employer, ADP will not have access to this information.
8. If your employment with Denomas terminates and you are unable to access your Fidelity account due to this being connected to your Denomas email, please contact Fidelity at 800-835-5097 to have the email address on file updated.

401(k) Match

Denomas offers matching 50% of contributions on the first 6% of allocated gross earnings per pay period with a yearly cap of $1,500 USD. If a hypothetical team members salary is $50,000 USD, their gross pay per period is $50,000 / 24 = $2083.33. This is then matched at a rate of $2083.33 * 6% * 50% = $62.50.

As of 1 August, 2022 Denomas has removed the vesting schedule for the employer match. All prior employer match amounts have fully vested as of 1 August, 2022, new employer match contributions will automatically vest when received.

As you are eligible to participate in Denomas’ 401k as of your hire date, you are also eligible for Denomas matching contributions as of your hire date.

All employer contributions are pre-tax contributions. Team members can still make Roth 401(k) team member contributions and receive pre-tax employer contributions to your Traditional 401(k) account.

Administration of the 401(k) Match:

• The employer will use the calculation on each check date effective as of January 1, 2019.
• The team member must have a contribution for a check date to be eligible for the employer match.
• Employer matching will be released into participant accounts three business days after the check date.
• For team members who defer more than 6% on each check date, Payroll will conduct a true up quarterly.

401(k) Rollover

If you leave Denomas and would like to rollover your 401(k) account, contact Fidelity directly to get more information about this process. If you need to locate your account number, you can find it by clicking Settings and then Accounts. You can reach Fidelity, by Chat in the app, or by phone at 800-835-5097. They also have a Rollovers section on their site going into detail.

401(k) Committee

The 401(k) Committee meets on a regular cadence with Fidelity to review how the plan is doing as well as updates from the Fidelity investment team. The Committee Members are:

• Chief People Officer
• Principal Accounting Officer
• Director, Total Rewards
• Director, Treasurer

Note: Chief Legal Officer will serve as an committee observer.

Optional Plans Available at Team Member Expense

WEX (Discovery Benefits) Health Savings Accounts and Flexible Spending Accounts

If you are enrolled in a Health Savings Account (HSA), Flexible Spending Account (FSA), Dependent Care Flexible Spending Account (DCFSA) or commuter benefits, the funds are held through WEX (Discovery Benefits). After your benefit enrollment effective start date, create an account with WEX (Discovery) to manage your funds. You will only receive one debit card upon enrollment. To obtain a second card (for a dependent, etc.) you will need to login to your account on WEX (Discovery) or call and they will send one to your home of record.

Health Savings Account (HSA)

Denomas contributes $100 per month for those enrolled in the HSA under Individual cover, and $125 per month under team member + dependent(s) cover. You must be enrolled in the HDHP plan in order to contribute to the HSA.

Benefits of an HSA account

Your HSA account allows you to set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in an HSA to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your out-of-pocket health care costs. Some benefits of on HSA account are:

Your HSA contributions go into your account before taxes. The money you save to your HSA lowers your taxable income – so you may pay less in taxes. Money in your HSA account earns tax-free interest. Any unused HSA funds roll over to the next year. The money is yours forever. It doesn’t expire. You can spend your HSA dollars on eligible health care expenses, or save and investment them for the future. Once your HSA account hits a certain balance, you can invest a portion of your HSA balance in mutual funds, stocks and bonds. You can use your HSA to save for retirement. At age 65, you can use the funds for any purpose without a penalty. The money you take out to pay for eligible health care expenses continues to be tax free. You also can take money out for other reasons without paying a penalty.

HSA Account Rollover & Administration

If you would like to transfer your HSA from a previous account, please contact WEX (Discovery) and request a HSA Transfer funds form. On the form you will put your old HSA provider’s account number and any other required personal information. You will then submit the form to WEX (Discovery), and they will get in contact with your old HSA provider and process the transfer of funds. You can reach WEX (Discovery) at 866.451.3399 or customerservice@discoverybenefits.com.

If you would like to adjust your HSA contributions please log into PlanSource.

HSAs roll over completely year-to-year and are ‘owned’ by the team member. If you leave Denomas and would like to keep your HSA account, Denomas will no longer be responsible for the administration fee. The account holder will become responsible for the $2.50 per month admin fee.

Domestic Partner Reimbursements: If the team member is not legally married to their domestic partner, the domestic partner’s expenses are not eligible for disbursement from the HSA. However, if the domestic partner is covered under the family HDHP through the team member, the domestic partner can open their own HSA and contribute up to the full family contribution maximum. The team member may also contribute up to the full family contribution maximum to their own HSA.

Flexible Spending Account (FSA) Plans

FSAs help you pay for eligible out-of-pocket health care and dependent day care expenses on a pretax basis. You determine your projected expenses for the Plan Year and then elect to set aside a portion of each paycheck into your FSA. FSA contributions can only be updated during open enrollment or through a qualifying life event (QLE).

FSAs typically have a $550 rollover each calendar year. This is subject to change as dictated by the IRS. Starting in 2022 the IRS increased the FSA rollover amount to $570.

Per WEX Health, FSA rollover funds are not available for 2023 expenses until 5-15 business days after 2023-03-31 (should be no later than 2023-04-22).

In 2023 the maximum salary deferral contribution has increased to $3,050 USD, with the maximum rollover amount increasing to $610 USD.

We will post the updated FSA Maximum deferral contribution and rollover amount for 2024, once published by the IRS.

FSAs are employer-owned accounts. If you leave Denomas, your FSA account will be terminated on your date of termination unless you continue this through COBRA. You are able to use your full FSA amounts up to and on your last day, but not afterwards unless you enroll into COBRA. WEX (Discovery) asks that all claims be submitted up to 90 days after termination date. You can enroll into COBRA FSA if you have spent less out of your account than you have contributed to it. If you decide to enroll, you will be required to continue making your monthly contributions on a post-tax status. For additional information, please reach out to WEX (Discovery) at 866.451.3399 or customerservice@discoverybenefits.com.

FSAs (and Dependent Care FSAs) are subject to annual testing by the Internal Revenue Code guidelines to ensure the pre-tax benefits do not disproportionately benefit highly compensated employees. At the end of each plan year, Denomas will work with WTW to conduct the nondiscrimination testing. If a test returns that highly compensated employees benefit, you may not be able to pre-tax the full amount of your election. This can vary each year and is based upon the dollar amount of non-highly compensated employees’ elections.

FSA Period to Submit Claims

Up to 90 days after the plan year has concluded (also known as the runout period).

Commuter Benefits

Denomas offers commuter benefits which are administered through WEX (Discovery Benefits).

In 2023 the contribution limits are $300/month for parking and $300 per month of transit. These contributions rollover month to month.

We will post the update contributions for 2024 once the IRS publishes them.

Commuter Benefits Period to Submit Claims

For active employees: Up to 180 days after plan year has concluded (also known as the runout period).

For terminated employees: Up to 90 days after the termination date.

Navia - Health Reimbursement Arrangement (HRA)

Effective 2022-10-01, Denomas offers a TravelHealth Reimbursement Arrangement (HRA) benefit to reimburse eligible team members and their dependents for transportation and lodging expenses related to travel while obtaining medical care not offered within 100 miles of the location the member resides.

To be eligible for the Travel HRA benefit, team members and their dependents must be enrolled in one of the Cigna Medical Plans. Navia Benefit Solutions administers the HRA benefit.

The HRA Benefit is split into a pre-tax account, in which team members can receive reimbursement of up to $2,100 USD for eligible pre-tax travel expenses, and a post-tax account of $900 USD for eligible travel expenses that exceed the pre-tax travel limits.

Please see the HRA Summary of Benefits and Coverage document for information on coverage and the Navia Navigation Guide for information on claim eligibility and how to submit claims. Additional details can be found in our Health Reimbursement Arrangement (HRA) FAQ

How to Submit an HRA Claim

To access the benefit, eligible team members can create an account on the Navia Portal, first time users will click the Register button in the top right corner of the page.

To register for online account access you will be requested to provide the following information:

• Last Name, First Initial
• E-mail Address
• Employer Code: Please click the link to receive the Denomas Employer Code
• Last four digits of your social security number/employeeID
• Date of Birth
• Choose a Username
• Answer three security questions

Reminder! review and accept the Terms and Conditions. After clicking Submit for online access, you will receive an email confirmation with a temporary link to set your password to complete your registration.

If you are a newly hired Denomas Team Member, please allow 1 month following your start date to access the portal. Should you require access to the portal earlier, please contact Total-Rewards@denomas.com. Once you have access to the portal you can submit a claim directly with Navia, and view plan documents.

Cigna Supplemental Life Insurance/AD&D

Team members who wish to elect additional life insurance above what is provided by Denomas through the Basic Life Insurance or elect life insurance for their dependents, can elect Voluntary Life Insurance through Cigna.

• $10,000 Increments up to the lesser of 6x annual salary or $750,000 for team members
• $5,000 Increments up to the lesser of $250,000 or 100% of team member election for spouses and domestic partners
• $10,000 of coverage available for children

Evidence of Insurability

If you elect supplemental life insurance greater than the guaranteed issue of voluntary life insurance for yourself or dependent, you or your dependent may be required to complete an evidence of insurability (EOI). If required, you will be prompted and provided with the form during the enrollment process and can also access it here.

Please complete this form to the best of your ability, but if you’re unsure for any field, please leave it blank. No information needs to be filled out for the ID # field and for security, you may also leave the Social Security Number field blank.

Once complete, please send the form to total-rewards@denomas.com. The Total Rewards team will then help fill in any missing information, if applicable, and will forward to the carrier for review. Total Rewards will confirm receipt of the EOI with the carrier, track its status, and the team or the carrier will reach out to the team member with any issues that need to be addressed in order for the EOI to be approved.

If you leave Denomas, all supplemental life insurance is not included in COBRA and will terminate on your last day at Denomas unless you choose to continue your or your spouse/children’s life insurance directly with the carrier. Please contact the carrier (Cigna) for more information on premiums and setting this up.

Team Member Discount Platforms

PerkSpot

Coming in 2024, Denomas has partnered with PerkSpot: a new discount platform providing Team Members with discounts on over 10,000 brands, including electronics, home goods, mortgages, travel, and more.

More details and links will be provided by 2024-01-01.

LifeMart through ADP

US team members have access to a discount platform offered through ADP. This platform provides discounts for national and local brands and services.

To access LifeMart through ADP:

1. Login to ADP using the following link: workforcenow.adp.com.
2. Click on the “MYSELF” tab in the navigation bar, hover your mouse over “Benefits” in the dropdown menu, and click “Employee Discounts - Life Mart”.
3. Confirm the email you use to access ADP and click “View my discounts” to enter the website.

COBRA

If you are enrolled in medical, dental, and/or vision when you terminate from Denomas (either voluntarily or involuntarily), you may be eligible to continue your coverage through COBRA.

Timeline

1. Typically terminations are updated in Workday on the date of the termination and once updated, will then be updated in PlanSource by the end of the next business day.
2. Once the termination has been added to PlanSource, the information will then be sent over to WEX (Discovery Benefits), our COBRA administrator. Government guidelines give 30 days for WEX (Discovery) to be notified of the COBRA eligibility, but typically this will take about 1-2 weeks.
3. Once notified, WEX (Discovery) has 14 days to generate and send the COBRA enrollment packet. Allow normal mailing timelines (5-10 business days) to receive the packet once sent. You may also contact total-rewards@ gitlab at least a week after your termination date and we can send an electronic copy of your COBRA enrollment packet to you if it has been generated.
4. You will have 60 days from the time you receive the COBRA packet to enroll either through the mail or online. Instructions for how to enroll will be included in your COBRA packet. Coverage will be retro-effective to the date coverage was lost.
5. From the day you enroll, you have 45 days to bring your payments to current.
6. You may remain on COBRA for up to 18 months. Please see the COBRA enrollment packet for information on extending COBRA an additional 18 months, if applicable. The state you reside in may allow for additional time on COBRA, but may be more expensive and include only Medical. Please consult the laws for your state for more information.

If you are currently employed and have any general COBRA questions, feel free to contact the Compensation & Benefits team. If you have terminated already or have specific questions on the administration of COBRA, feel free to contact WEX (Discovery) Benefits directly: (866) 451-3399.

Denomas United States Leave Policy

All information regarding leave policies in the United States (including FMLA, CFRA) can be found on the Leave of Absence - US handbook page.

Parental Leave

Apply For Parental Leave in the US

Information regarding Denomas’ Parental Leave policy and how to apply, can be found on our Parental Leave overview on our Benefits handbook page.

State-Specific Allowed Leaves

To learn more about State-specific leave laws, please visit the Leave of Absence - US handbook page.

2023

Medical

Dental

Vision

2024

Medical

Dental

Vision

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