Your Employee Benefits

WellNet Healthcare — Cigna PPO network

Two plans to choose from: WellNet Base (in-network only) and WellNet Premium (in- and out-of-network coverage). See the plan summaries below for full details on deductibles, copays, and coinsurance.

Before scheduling an MRI, CT, PET scan, or surgery, call a WellNet Advocate at (267) 348-3492 — using a recommended provider may reduce what you pay.

Dependent children covered up to age 26.

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MetLife Dental — three plans

DHMO on the MET 290 network — fixed copays per procedure, no waiting periods.

Low PPO and High PPO on the MetLife PDP Plus network. See the plan summaries below for coverage levels and annual maximums.

Dependent children covered up to age 26.

Superior Vision by MetLife

• Exam: $0 copay · Materials: $0 copay
• Frequency: exam 12 / lenses 12 / frames 24 months
• Lenses: single, bifocal, trifocal, and lenticular covered in full after copay
• Frames: up to $200 after copay
• Elective contacts: $200

The policy includes either two frames, or one pair of frames and one set of contacts. Dependent children covered up to age 26.

Lincoln Financial Life & AD&D

Employer-paid Basic Life & AD&D for all full-time employees:

• Administrators: $50,000
• Teachers, Teacher Assistants & Staff: $25,000

Voluntary Life & AD&D (you pay, group rates):

• Employee: $10,000 increments up to 5× salary, $500,000 max · guarantee issue $250,000 at initial enrollment
• Spouse: $5,000 increments up to 50% of your elected amount · guarantee issue $30,000 at initial enrollment
• Child: $1,000 (14 days–6 months), $10,000 (over 6 months)

You must elect employee coverage to enroll a spouse or children. Benefits terminate at retirement.

Lincoln Financial Short-Term Disability — voluntary, all full-time employees

Voluntary Short-Term Disability replaces 60% of your salary up to a plan maximum. See the plan summaries below for benefit amounts, waiting periods, and durations.

Must be regularly scheduled 30+ hours per week and actively at work on the effective date. Late entrants require Evidence of Insurability.

Lincoln Financial Long-Term Disability — voluntary, all full-time employees

Voluntary Long-Term Disability replaces 60% of your salary up to a plan maximum. See the plan summaries below for benefit amounts, waiting periods, and durations.

Must be regularly scheduled 30+ hours per week and actively at work on the effective date. Late entrants require Evidence of Insurability.

Voya Lifetime Life Insurance with Long-Term Care

Permanent life insurance that stays with you if you change jobs or retire, with a long-term care feature that lets you access a portion of your benefit early if you need qualified LTC services.

• Employee: $5,000–$125,000 in $5,000 increments
• Spouse: up to $75,000 (cannot exceed your approved amount)
• Children: $5,000–$25,000

Guarantee issue. Base premiums stay level for the life of the policy.

MASA Access (Emergent Plus) — $12/month

Covers your out-of-pocket costs for emergency ground and air ambulance, hospital-to-hospital transfers when specialized care is needed, and repatriation to a hospital near home — anywhere in the US and Canada. No "out-of-network" ambulance: just send MASA the bill.

MetLife Accident Insurance

Pays cash benefits directly to you when you're injured — 24/7 coverage at work, home, commuting, school, and sports.

• Emergency treatment $100–$200 · follow-up visits $100 · therapy $50/visit
• Hospitalization $1,500, plus $300/day · ICU $300/day · ambulance $400
• Fractures, burns, concussion, coma: $200–$10,000
• Lodging up to $200/day · accidental death $1,000–$40,000
• $50 wellness benefit per person, per year

MetLife Critical Illness

A lump-sum cash benefit of $5,000, $10,000, or $20,000 paid directly to you after a covered diagnosis — heart attack, cardiac arrest, major organ transplant, kidney failure, stroke, coma, severe burns, paralysis, or loss of sight, speech, or hearing.

• Cancer: 100% of benefit · non-invasive cancer: 25% · skin cancer: 5% (min $250)
• Coronary bypass: 50% of benefit
• $50 annual health screening benefit per person

MetLife Hospital Indemnity

Cash benefits paid directly to you when you're hospitalized, to help with medical and everyday expenses.

• $1,000 for the first day of hospitalization per calendar year
• $150/day for hospital confinement, up to 31 days per calendar year
• $150/day for ICU, up to 31 days per calendar year
• $50 annual health screening benefit per person

Preferred Legal Plan — $13.95/month

Full-service legal representation through a statewide Florida attorney panel — divorce, traffic tickets, real estate, wills, immigration, credit issues, landlord-tenant, criminal defense, and more.

• Free unlimited phone consultations, face-to-face consults, document review, and simple wills
• Spouse, dependent children, and entire household covered
• 24/7 access · all pre-existing issues covered · no long-term contracts, portable

Spot Pet Insurance

Coverage for accidents, illnesses, chronic issues, and alternative therapies, with customizable annual limits, deductibles, and 70/80/90% reimbursement options — plus preventative care add-ons, exam fees, microchipping, and a 30-day money-back guarantee.

Get a quote at spotpet.link/als.

EVO by UCM — 24/7 virtual care, included with your medical plan

On-demand urgent care, primary care, and mental health care from an integrated care team. UCM PCP and specialist visits are covered 100% on both WellNet plans.

Download the EVO app or call 1-844-4-VIP-DOC (844-484-7362).

CVS Caremark is your pharmacy benefit manager

Thousands of network pharmacies plus home delivery. Fill 90-day supplies at a participating pharmacy to save and avoid interruptions. Manage refills and check costs at caremark.com/openenrollment after your benefit begins.

GoodRx is a free price-comparison tool — prescription prices can vary by more than $100 between nearby pharmacies. Compare at goodrx.com.

Lincoln Financial support programs — included at no cost

• EmployeeConnect EAP — 24/7 support, guidance, and resources for you and your household. (888) 628-4824 · guidanceresources.com · User Name: LFGSupport · Password: LFGSupport1
• LifeKeys — will preparation, ID theft resources, and grief, legal, and financial counseling. (855) 891-3684 · Web ID: LifeKeys
• TravelConnect — emergency assistance when traveling 100+ miles from home. (866) 525-1955 · mysearchlightportal.com · Group ID: LFGTravel123

Changes outside Open Enrollment need a qualifying event. Marriage, divorce, birth or adoption, a change in a child's dependent status, a death in the family, or a change in employment or other coverage. You must notify Human Resources within 30 days of the event.

Your premiums are pre-tax. Health, dental, vision, and certain supplemental premiums are deducted before taxes under the Section 125 cafeteria plan — which is also why mid-year changes are restricted.

Who's eligible: full-time employees, plus your spouse and children up to age 26 (or older if unable to support themselves due to disability).

Turning 65 or Medicare-eligible? Contact Brandon Kress at (954) 667-9197 or Yoni Bick at (954) 663-9687 for help with Medicare Parts A & B, supplements, and prescription drug plans.

Pick the right place for care. Telemedicine (under $50 average) and convenience care (~$90) cost far less than urgent care (~$170) or the ER (~$2,000). Save the ER for true emergencies.