benefits.kcmapts.comKlingbeil Capital Management (KCM) – Premium – Oswald-Connect

BENEFITS ADDITIONAL RESOURCES Welcome to Your Employee Benefits This site has been created as your one-stop-shop for important information about your benefit programs, healthwellness resources and company news. Check here when you need to find forms or documents, links to insurance providers, or information on company benefits. Details on this website are only an overview. Please refer to your plan documents for a complete description of coverage, exclusions and limitations. If there are any differences between the plan details provided here and the plan documents, the plan documents will determine your eligibility, coverage, exclusions and limitations. 2024 Benefits Presentation 2024 Benefits Guide YOUR BENEFITS Link MEDICAL Link DENTAL Link VISION Link LIFE Link FSA Link DISABILITY Link RETIREMENT Link ACCIDENTCRITICAL ILLNESS Link EAP Link PET INSURANCE MEDICAL Team Members working at least 30 hours per week can choose from one of multiple medical plans to cover yourself and your dependents. All plans are administered through Kaiser Permanente and include prescription coverage. Cigna PPO Network is used for those members outside of the Kaiser Permanente states (CA, CO, GA, HI, MD, OR, VA, WA, and DC). Access the provider search here: Out of Area Network Cigna Provider Search. Plans offered: PPO Plan Colorado HMO Plan California HMO California POS Mid-Atlantic HMO Mid-Atlantic POS Oregon HMO YOUR RESOURCES Medical Summary 29656 Out of Area PPO Medical Summary 29656 DHMO Mid-Atlantic Medical Summary POS Flex J SBC Mid-Atlantic Medical Summary 606717 SBC-POS No Cal Medical Summary 606717 SBC-DHMO No Cal Medical Summary 2348886 SBC-POS So Cal Medical Summary 234886 SBC-DHMO So Cal DENTAL Team Members working at least 30 hours per week are eligible to enroll in KCM’s dental plan provided through MetLife. Staying healthy includes obtaining quality dental care for you and your family. We offer two plans allowing you to choose the level of care that best fits your needs. Both plans include an extensive network of providers and offer flexibility in where you choose to access care. Low Plan Benefits Coverage Deductible (Individual/Family) $50 / $150 Annual Maximum $1,000 Preventive Care Covered in full High Plan Benefits Coverage Deductible (Individual/Family) $0 /$0 Annual Maximum $2,000 Preventive Care Covered in full YOUR RESOURCES Metlife Dental Low and High VISION Team Members working at least 30 hours per week are eligible to enroll in KCM’s vision plan program through VSP. The amount you pay for vision services depends upon whether you visit a network or non-network provider. VSP doctors can be found at www.vsp.com . Benefits In-Network Vision Exam Once every 12 months; $10 Copay Lens Exam Once every 12 months; $25 Copay Frames Once every 24 months; $130-$150 allowance, 20% off price over $130 Contacts $130 allowance, 15% discount 100% paid if medically necessary YOUR RESOURCES VSP Vision LIFE Basic Life Insurance We know you want to protect your loved ones in case of life’s uncertainties. KCM offers Basic Term Life Insurance and Accidental DeathDismemberment (ADD) coverage to Team Members working at least 30 hours per week through Lincoln at no cost to you. You may purchase additional, supplemental coverage to increase your coverage amounts. At no cost to you, Basic Term Life Insurance gives you: Coverage of 1x your base salary (less than 3-years of service ) 1.5x salary (3-5 years of service) 2x salary (5+ years of service) Maximum amount of $300,000 ADD coverage as part of your life insurance Voluntary Life Insurance KCM offers Voluntary Life and ADD to Team Member the cost of Voluntary Life Insurance is 100% paid by the Team Member. YOUR RESOURCES Vol Life and ADD Benefit Summary Basic Life and ADD 3-5 Years Benefit Summary Basic Life and ADD Less than 3 years Benefit Summary Basic Life and ADD 3-5 Years Benefit Summary Basic Life and ADD 5 years or more Benefit Summary FLEXIBLE SPENDING ACCOUNT Team Members working at least 30 hours per week are eligible to open a Flexible Spending Account which allows you to set aside some of your income on a pre-tax basis to pay for certain health or day-care expenses that may not be covered as part of your benefit plans. Health Care FSA What does it cover? Reimburses all qualified medical expenses including primary medical, dental and vision expenses. Who does it help? A great alternative to an HSA for those who do not have an HDHP plan. Dependent Care FSA Assists with qualified childcare expenses, available to all eligible Team Members with dependent children. Eligibility for non-healthcare FSA’s is not tied to which medical plan you’re enrolled in. Visit fsastore.com/shop-now to see a detail list of qualified expenses. DISABILITY Short Term Disability (STD) We provide STD coverage at no cost to you. You are eligible for STD coverage the first day of the month following 30 days from your date of hire. If you are not able to work due to a disability, we provide basic STD coverage equal to 60% of your pre-disability earnings to a maximum of $1,000 per week for eleven (11) weeks. Benefits from the STD plan are payable as of the 15th day following the onset of your disability. The premium is paid 100% by KCM. Long Term Disability (LTD) Coverage provides up to 66.67% of your pre-disability earnings up to a $10,500 monthly maximum. Benefits from LTD plan begin after 90 days of disability with a maximum benefit period until normal Social Security Retirement You will be eligible for benefits after 90 days of an approved disability. The premium is paid 100% by KCM. YOUR RESOURCES STD Benefit Summary LTD Benefit Summary RETIREMENT KCM is pleased to provide a traditional 401(k) as well as a Roth 401(k) to our Team Members. Team Members are eligible to participate in the 401(k) plan the first of the month following 90 days of full-time employment. KCM will contribute to your 401(k) after you have completed one year of service. The KCM match is a contribution of 20% of your annual contribution, up to 5% of your annual compensation, calculated per pay period. You will be automatically enrolled in the 401(k) Plan at a default amount of 2% of your salary. Please refer to the member portal at www.nationwide.com/myretirement for accurate information on your 401(k) elections, balances, and investments. Nationwide may also be reached at 800-772-2182. ACCIDENTCRITICAL ILLNESS Accident Coverage provides a cash benefit when an insured member is injured due to a covered accident. Examples of Reimbursements Hospital Admission $1,000 Surgical Fracture $200-$5,600 Burns $100-$12,800 Concussion $100 Ground Ambulance $150 Joint Replacement $1,500-$2,000 YOUR RESOURCES Accident Benefit Summary Group Critical Illness Summary Critical Illness Coverage provides a cash benefit to the Team Member when an insured member has a covered illness or event per the policy guidelines. Team Members can choose $10,000; spouses can choose $5,000 Children get 25% of the face amount of Team Member coverage. Examples Reimbursements for Critical Illness Heart Cancer Organ Quality of Life Category EMPLOYEE ASSISTANCE PROGRAM EmployeeConnect Confidential in-person help with up to 4 sessions with a counselor per person, per issue, per year available 24/7 by phone or web. Unlimited phone access to legal, financial, and work-life services. Work-life services include assistance with childcare, elder care, adoption, finding movers, kennels and pet care, vacation planning, and more. 25% discount on in-person consultations with network lawyers Financial consultations and referrals Login Credentials Username: LFGSupport Password: LFGSupport1 YOUR RESOURCES EAP EmployeeConnect Services PET INSURANCE My Pet Protection My Pet Protection is available in two reimbursement options (50% and 70%) so you can find coverage that fits your budget. All plans have a $250 annual deductible and...