Benefit Guides

Important Benefit Highlights

A Health Savings Account (HSA) is an easy way to pay for medical, dental & vision expenses that you have today and save for expenses you may have in the future. All contributions are tax-free and can be adjusted as needed through out the year. Individuals may contribute up to $4,300 per year. Families may contribute up to $8,550 per year. Employees 55 and older may contribute an additional $1,000 per year

A healthcare FSA allows you to set aside up to $3,000 tax-free to pay for healthcare expenses you expect to have over the current plan year. Your contributions are fixed for the year (unless you have a qualifying event), the benefit must be re-elected each year, and any leftover balance in your account is forfeit at the end of the year or if you leave your current employer.

Healthcare is complex and oftentimes expensive. American Plan Administrators plan members are encouraged to let ELAP Services help make things easier. ELAP reviews every provider bill to catch overcharging or billing errors. If an overcharge is identified, the provider is notified about the change and sent an adjusted payment. Most of the time, providers accept this payment amount. If you are sent a bill for the difference, this is called a balance bill. If that happens, ELAP is here to help. All you need to do is identify balance bills and send them to us!

401(k): To make saving for your future easier, TransAmerica has created a website with tools and resources to help you pursue a healthier, more secure retirement. From checking your balance to choosing investments to naming beneficiaries, you can manage your account anywhere, anytime, from any device. If you’re not already enrolled, be sure to join the plan and create a secure online account. Once you’re set up and logged in, you’ll be ready to take advantage of the education, support, and tools the website has to offer. Enroll online at http://transamerica.com/portal/home or call 1 (800) 401-8726.
ComPsych: Sometimes life can feel overwhelming. It doesn’t have to. Your ComPsych® GuidanceResources® program provides confidential counseling, expert guidance and valuable resources to help you handle any of life’s challenges, big or small.
Employee Perks and Discounts: Maximize your paycheck by taking advantage of discounts on food, entertainment, wellness and everyday items you need. We’re here to support your personal and financial well-being through exclusive deals and limited-time offers on the products, services and experiences you need & love.
Global Emergency Assistance Services: Whether you are traveling for business or pleasure, whenever you travel more than 100 miles (150 km) from your home or in another country, no matter where your final destination, we provide valuable emergency services.

Pet Insurance

Medical and prescription drug coverage.

Dental

Help you plan and budget for the costs of dental care.

Vision

Offset your costs for routine eye exams, glasses, contact lenses.

Hospital Indemnity

Insurance can help with medical costs that your health insurance may not cover.

Disability

Get paid a portion of your income if you are injured, sick, while you our out from work.

Accident Insurance

Pays you a lump sum if you suffer an unexpected accident to be used as you see fit.

Life Insurance

Pays upon accidental death or upon the loss of a limb due to an accident.

Critical Illness

Supplemental coverage for medical emergencies like heart attacks, strokes, or cancer.

Legal Services

Resources to help maintain your mental health and well being.

Identity Protection

Alert you to breaches and help you lock down your personal information and accounts.

Legal Notices & Public

Assistance with, home, real estate matters, estate planning, family planning and much more.

Home & Auto

Special Group Discount rates to cover your furry family and the place you live.

Enroll In Your Benefits Online

Login to your benefits using your full SSN with no dashes.
Your Pin is the last 4 digits of you SSN and the last 2 digits of your birth year.

If you have trouble logging into your benefits or have questions about the plans outlined here, call our dedicated enrollment call center at 877-250-9207 for assistance. The call center is open between 9am-6pm EST, Monday – Friday.

Enroll Online