Please review our offerings listed below. Medical, Dental, Vision, HSA, Life, Disability, and Identity Protection are available for you and your dependents. You are also eligible to participate in our 401(k) Program within 90 days of your employment.
Medical (HealthPartners)
- VALERE
offers qualified high-deductible health insurance plans to help employees
manage their health.
- VALERE
pays 50% of the employee’s premium.
- The employee pays 100% of the premium for spouse/dependents.
- Deductibles: In-network: $5,100 Individual/ $10,200
Family Out-of-network: $10,000 Individual/
$20,000 Family. Note that some preventative care services are covered before your deductible is met.
- EAP is also included in this benefit
Health Savings Account (HSA)
- VALERE
offers an HSA (managed by Futher/Select Account) to help employees pay for medical deductibles and expenses
with pre-tax dollars.
- If you
enroll in the VALERE HealthPartners plan, you may enroll in the VALERE HSA
Program.
- You can participate in the VALERE HSA plan if you are enrolled in a qualified high-deductible health insurance plan through your spouse.
- The HSA contribution limits for 2025
are $4,300 for self-only coverage and $8,550 for family
coverage. Those 55 and older can contribute an additional $1,000 as a
catch-up contribution.
Dental Insurance (Sun Life Insurance)
- VALERE
offers dental insurance to help employees manage their dental care
expenses.
- VALERE
pays 50% of the employee’s premium
- The employee pays 100% of the premium for spouse and dependents
- An
orthodontia benefit is included
Vision Insurance (VSP)
- VALERE
offers vision insurance to help employees manage their eye care expenses.
- VALERE
pays 50% of the employee’s premium.
- The employee pays 100% of the premium for spouse and dependents
- No
Deductible
Life, Long- & Short-Term
Disability Insurance (SunLife)
- VALERE
provides company-paid Life Insurance.
- Employees
may purchase additional Life Insurance.
- Employees
may purchase Long-Term Disability insurance for up to 60% of their monthly earnings, up to a maximum of $6,000.
- Employees
may purchase Short-Term Disability for up to 60% of their weekly earnings
to a maximum of $1,000 per week.
- Employees
pay 100% of the premium for additional life insurance, long-term
disability, and short-term disability.
- Premiums
are deducted after tax, so any benefit received is not taxable.
401(k) Savings Plan
- VALERE
offers a 401(k) Savings Plan to help employees save for retirement.
- All
employees are eligible to participate after 90 days of employment.
- There
is no minimum-average-hours-worked requirement to participate in the
401(k) plan.
- This is
a self-managed plan, meaning you can enroll online and make changes to your
plan anytime by logging into your account.
- Ascensus
administers the plan. Merrill Lynch manages funds.
- Pre-Tax
and ROTH investment options are available.
- A
Discretionary Match is considered at the end of each year and has a
vesting schedule.
Identity Protection (Allstate):
- Covers a wide range of family members, including spouses, children, financially supported dependents, deceased family members, and senior relatives (parents, in-laws, grandparents) aged 65+ across the U.S.
- Digital privacy and security tools
- Allstate Digital Footprint® for tracking online data exposure.
- Identity and financial monitoring, dark web monitoring, robocall blocker, and ad blocker.
- Social media takeover monitoring and tri-bureau credit monitoring with annual credit reports and scores.
- Senior family protection: Specialized scam support for seniors and elder fraud prevention.
- Digital safety for families: Tools for web filtering, screen time, and location tracking.
- Identity theft protection: Full restoration support.
- Up to $1 million in reimbursement for identity theft-related expenses.
For all benefit selections, coverage begins on the 1st of the month following 30 days of employment. 401k Eligibility begins at 90 days.