Eligibility
You are eligible for benefits if you work 30 or more hours per week. You may also enroll your eligible family members under certain plans you choose for yourself. Eligible family members include:
- Your legally married spouse (spouse coverage rule applies)*
- Your children who are your natural children, stepchildren, adopted children, or children for whom you have legal custody (age restrictions may apply). Disabled children age 26 or older who meet certain criteria may continue on your health coverage.
*Spouse coverage rule for Medical Plans: spouses are not eligible to enroll in the Simon Pearce Medical plan if they are eligible for coverage through their own employer.
When Coverage Begins
You must complete the enrollment process within 30 days of your date of hire. Coverage is effective on the first day of the month after hire date. If you fail to enroll on time you will NOT have benefits coverage (except for company-paid benefits). Changes made during Open Enrollment are effective at the start of the next calendar year.
Employees cannot make benefit changes during the year unless you have a qualifying event such as:
- Marriage or divorce
- Birth or adoption of a child
- Child reaching the maximum age limit
- Death of a spouse or child
- Change in child custody
- Change in coverage election made by our spouse during their employer’s
- Open Enrollment period
- You lose coverage under your spouse’s plan
To make changes to your benefit elections, you MUST contact Human Resources within 30 days of the Qualifying Event (including newborns). Be prepared to show documentation of the event. If changes are not submitted on time, you must wait until the next Open Enrollment period.
Medical Plan Options
Simon Pearce is pleased to offer you the choice of three (3) plan designs to all eligible employees who work 30 hours or more per week. Employee premium rates may vary based on Part-time (30-35 hours per week) and Full-time (35+ hours/week) status.
- The Bronze Plan is a traditional plan that has co-pays and coinsurance with a higher annual deductible and lower premium.
- The Silver Plan is a Qualified High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) through the broader, national Cigna network. Simon Pearce will contribute to an HSA based upon the level of coverage chosen by each employee.
- The Gold Plan offers a Health Reimbursement Account (HRA) which allows you to use funds to pay for your deductible and coinsurance expenses. Pharmacy expenses cannot be paid with HRA funds. Simon Pearce will contribute to this HRA based upon the level of coverage chosen by each employee.
Summary of Benefits and Coverage (SBC)
Summary Plan Descriptions (SPD)
Additional Plan Information
Contact Us
Cigna
1-866-494-2111
www.cigna.com
Group Number: 623907 — for use with medical and pharmacy carriers
For more information on the health exchange, please refer to the link below for the state in which you live:
Cigna Programs
Mothers To Be
Prescription Information
Eligibility
Employees are eligible for medical benefits on the first of the month following the first day of employment. Employees and dependents enrolled in any of the Cigna medical plans have access to MD Live and Amwell Telehealth benefits.
What is the Cost?
The Cost of Service will be provided when the visit is scheduled. The cost is the same or less than a visit with your primary care provider.
Cigna Telehealth Connection
Eligibility
Employees who elect to participate in Medical Plan Option 2, The Silver Plan, will be auto-enrolled in a HSA. Simon Pearce will contribute to a HSA based upon the level of coverage chosen by each employee.
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Level of Coverage
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Contribution Amount Per Paycheck
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Employee Only
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$20
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Employee + Spouse
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$40
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Employee + Child(ren)
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$40
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Family
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$60
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Employees will receive a debit card for their HSA and may use this card to pay for bills from providers, for prescription costs at retail and mail order pharmacies and for other qualified expenses. Funds in an HSA rollover from one year to the next and can be taken with you when employment ends. Employees may contribute, in 2021, up to $3,600 or up to $7,200 if they are enrolled with more than one person on their plan. There is a catch-up provision for employees who are over 55 of $1,000 regardless of the level at which they are enrolled. After the employer HSA contribution, employees may contribute the following amounts based on coverage level:
- Employee Only: $3,080
- Employee + Spouse: $6,160
- Employee + Child(ren): $6,160
- Family: $5,640
Download the App Today!
Forms and Plan Documents
Flexible Spending Accounts
With a Flexible Spending Account, you can pay for unreimbursed medical, dental, vision and many more health related expenses on a pre-tax basis. You may deduct up to $2,750 annually ($105.76/bi-weekly).
With Dependent Care Accounts, employees can put away funds for dependent care expenses on a pre-tax basis. This allows for up to $5,000 annually ($192.31/bi-weekly) for employees married filing jointly or up to $2,700 ($103.846/bi-weekly) for employees who are single or married filing separately.
Employees who elect the Silver Plan will have a Health Savings Account (HSA). These employees may elect a Limited Purpose Flexible Spending Account, which can only be used for dental and vision expenses. This IRS rule is in place to help avoid “double dipping” since the HSA can also be used for medical, dental and vision expenses. For more information, please click on the links below.
To see a complete list of FSA qualified expenses CLICK HERE.
Contributions
Employees contribute funds into their Medical FSA or Dependent Care Account through pre-tax payroll deduction in equal amounts spread over the calendar year.
Forms and Plan Documents
My Group Life and AD&D Benefits
Group Life & Accidental Death & Dismemberment (AD&D) Insurance is provided to all eligible employees. The coverage provided is one times prior year W2 earnings, not to exceed $50,000.
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Eligibility All full-time employees who work at least 30 hours per week are eligible for coverage on the first day of the month following their first day of employment. |
Forms and Plan Documents
Contact Us
Reliance Standard Life Insurance
800-351-7500
www.reliancestandard.com/
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Eligibility Employees who work 30 hours or more per pay period are eligible for Voluntary Benefits and coverage effective on the first of the month following their first day of employment. Employees may apply for coverage during the annual enrollment period, but evidence of insurability may be required based upon the information above. |
My Voluntary Life and AD&D Benefits
Eligible employees may purchase Voluntary Life and Accidental Death and Dismemberment (AD&D) coverage through Reliance Standard Life Insurance (RSLI) on themselves and their eligible dependents.
Forms and Plan Documents
Contributions
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Voluntary life insurance premiums are 100% employee paid. Please refer to the voluntary benefits summary (above left) for contribution information |
Contact Us
Reliance Standard Life Insurance
800-351-7500
www.reliancestandard.com/
My Short Term Disability Benefits
Employees have the opportunity to purchase Voluntary Short-Term Disability Insurance. This benefit begins on the 1st day of a qualified disability due to injury or on the 8th day of a qualified disability due to illness. The benefit is 60% of prior year W2 earnings to a maximum of $750 per week. The maximum benefit period is 13 weeks per eligible disability. Partial benefits are available based on the percent of lost base wages and other circumstances.
Eligibility
Employees who work 30 hours or more per pay period are eligible for Short Term Disability Insurance on the first of the month following their first day of employment.
Forms and Plan Documents
Contributions
Short Term Disability Insurance is 100% voluntary.
Employee Age-Based Rate Bands:
Contact Us
Reliance Standard Life Insurance
800-351-7500
www.reliancestandard.com/
My Long Term Disability Benefits
Simon Pearce provides eligible employees with Long Term Disability coverage through RSLI. Payment of benefits will begin at 13 weeks from the start of a qualified disability. The plan pays 60% of prior year W2 monthly earnings up to a maximum of $5,000 per month. Benefits are payable up to age 65 if disability begins prior to age 60, and as long as the employee remains disabled. Partial benefits are available when earnings are less than 80% of basic monthly pay.
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Eligibility Employees who work 30 hours or more per pay period are automatically enrolled in Disability Insurance on the first of the month following their first day of employment.
Forms and Plan Documents |
Contributions
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Contact Us
Reliance Standard Life Insurance
800-351-7500
www.reliancestandard.com/
Critical Illness & Accident Insurance
Simon Pearce offers voluntary employees Worksite Benefits through RSLI. These plans are designed to provide a continuation of benefits to you in the event of either sickness or accident.
Eligibility
Employees who work 17.5 hours or more per pay period are eligible to elect Voluntary Accident and/or Critical Illness coverage and are eligible the 1st of the month following date of hire.
Forms and Plan Documents
Accident Insurance Forms:
Critical Illness Forms:
Contributions
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Critical Illness and Accident Insurance are 100% Voluntary. |
Contact Us
Reliance Standard Life Insurance
800-351-7500
www.reliancestandard.com/
My EAP Benefits
Simon Pearce provides all employees with an Employee Assistance Program (EAP) through Reliance Standard and ACI Specialty Benefits. EAP is a confidential resource that you can access when you need someone to talk to-about a family matter, stress, or a personal problem of any kind.
The ACI consultants are available 24 hours a day, 7 days a week, 365 days a year. Whether you’re dealing with an issue at work or at home or simply looking for ways to take better care of yourself and your family, you can turn to Work-Life Balance for support. All employees and members of their household may utilize up to three sessions of assessment, referral, and/or short-term problem solving per assessed problem per year at no cost to the employee.
ACI provides a national network of experienced, professional counselors who can help you, no matter where you are or what kind of situation you are facing. When you call the program, you can discuss your concerns with a consultant who will connect you with an appropriate counselor in your local area. You will be offered an appointment within a few business days.To speak with an ACI consultant, call 855-775-4357.
On-line help is also available on the myACI online website where you can watch short videos, listen to podcasts, read or download hundreds of articles, access CDs and booklets, email a consultant, and more.
Whether it’s a simple question, a sudden emergency, or an ongoing problem, you can call EAP. The trained professional staff will help. With just one phone call, at any hour of the day or night, you can reach a compassionate ear and connect to helpful resources.
The EAP can help you with a wide range of issues, including:
Personal/Relationship/Family Issues
From dealing with stress, addiction, grief, midlife issues, to caring for older relatives, raising safe and responsible kids-EAP consultants can help.
Financial Health
Talk with a financial consultant to learn how to get out from under your debts, save and invest for the future, or simply make ends meet.
Legal Health
If you have legal questions, Work-Life Balance legal services offers access to on-staff attorneys for free 30-minute legal consultations and referrals to low-cost and no-cost public community legal resources and local attorneys whom you can contact for a free 30-minute consultation on the phone or in person.
The Simon Pearce EAP through ACI is a confidential service. No one will know if you use the EAP-not your supervisor, Simon Pearce, or your family members. And any information you provide to ACI is confidential and cannot be shared without your explicit consent.
Eligibility
All employees, and their families, may utilize this service at no cost to them. There is no waiting period for this coverage.
Forms and Plan Documents
Contributions
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Simon Pearce provides this invaluable program through RSLI. It is no cost to the employee and completely confidential. |
Contact Us
Download the myACI Mobile App!
iOS Users:
Password: 859
Eligibility
All employees enrolled in a medical plan with Simon Pearce are eligible to utilize Health Advocate services.
Health Advocate Benefits
Simon Pearce provides this service free to employees. Employees can receive assistance from Health Advocate with understanding claims, working with providers, finding appropriate providers and many other services. This service is 100% confidential.
Contributions
Simon Pearce pays for the cost of this service. It is at no cost to the employee and completely confidential.
Work United Resource Coordinator & Emergency Loan
Work United at Simon Pearce is a program dedicated to improving workplace productivity, retention, advancement, and financial stability for employees. Too often, barriers such as childcare, reliable transportation and acute need for emergency financial assistance get in the way of continuous employment and derail good employees. Work United helps to minimize these employment barriers by providing an onsite Resource Coordinator and an Emergency Loan Program.
What does a Resource Coordinator do?
Our Resource Coodinator, Pru Pease, is on-site and available to employees to help solve non-work related issues that cause personal and maybe family stress and get in the way of work. This is done primarily through understanding the issue(s), and the RC identifying and connecting the employee to appropriate resources. The RC is a Certified Information and Referral Specialist (CIRS) trained through Vermont 2-1-1 and in Bridges out of Poverty concepts. For needs requiring counseling, the RC refers employees to the employer’s Employee Assistance Program (EAP). Examples of issues the RC can help employees solve:
- I’m moving and need to find childcare near our new home
- I am two months late in my rent
- I’m thinking about buying my first home – is there any help out there for down payments?
- I just lost my license – how am I going to get to work?
- I need help figuring out my medical bills
- Debt collectors keep calling me at home and work – how can I stop them?
- I am having problems with my benefits from the state
- My son has a learning disability and I need help finding resources for him
- My 12 year old car needs $1,500 worth of repairs
Is this confidential?
Meetings with employees are confidential unless an employee signs an authorization for the resource coordinator to advocate/speak on his/her behalf. RC does not get involved in work-related issues and will be direct such cases to management, Human Resources and/or EAP.
Who is Pru?
Prudence Pease of Tunbridge, Vermont has created a career dedicated to advancing the lives of others in her community, the state of Vermont, across New England and beyond. Fifteen years ago Prudence began this journey serving as a community leadership facilitator and later as a community coordinator. She went on to work as a peer navigator with the Federation of Families for Children’s Mental Health. Along the way, Prudence became involved in politics. She ran and was elected as the senior assistant judge of Orange County, Vermont. In this role she managed the county’s judicial system and presided over small claims, family, and traffic court. Prudence returned to work in the community in 2012 as a Family Support Specialist, working with individuals and families with diverse backgrounds, needs and resources. Prudence is a certified Bridges Out of Poverty facilitator and has trained more than 6,000 individuals, including human service providers, human resource professionals, medical professionals and employers. Her personal story of growth and change as she traveled the road from welfare mom to judicial officer is extremely compelling and demonstrates beautifully the messages of Bridges Out of Poverty. Prudence is a graduate of the Vermont Leadership Institute. She is a highly sought-after speaker and currently contracts with United Way of Chittenden County and Aha! Process.
Meet Pru Pease, Resource Coordinator
CONTACT INFO: Prudence.Pease@graniteuw.org or (603) 361-3429
Appointments are scheduled during work hours either during break times or at a time approved by a supervisor. Meetings are typically 15-30 minutes.
Eligibility
Simon Pearce encourages employees to save for their retirement. All employees who are 18 years of age are eligible to participate in this plan on the first of the month following the first day of employment.
Retirement Benefits
The Simon Pearce 401(k) Retirement Plan offers several different investment options within the fund group. There are 2 components to the retirement plan:
- 401(k) plan: Eligible employees can defer form their paycheck on a pretax and/or after tax basis up to 50% of their eligible earning up to the IRS maximum. Participants are always 100% vested in this money.
- Simon Pearce matches contributions with each pay period. Details of the match and vesting schedules can be found with the 401k enrollment packet provided during onboarding.
For more information, or to get started visit your employee website at: my.vanguardplan.com
From here you will be able to choose statement delivery preference (default is paperless), enter beneficiary information and opt-in for automatic account rebalancing.
Contributions
Employees may contribute up to the IRS annual maximum into this retirement plan.
Forms and Plan Documents
Financial Advisor
Melanie Brown from Hickok & Boardman is available for on-sit consultations and financial advice at NO COST to you.
She can be reached at melanie.brown@hbretire.com or 1-800-488-8715.
From investment advice to outside money management, H &B has the knowledge, tools, and resources to help make your financial goals come true.
Additional Information
My Time Off Benefits
Simon Pearce recognizes the importance of providing employees with Work /Life balance. Since many of our locations are open on weekends and holidays, we combine our paid vacation, personal, and sick days into one category called “PTO” (Paid-Time-Off). We encourage all of our employees to use their paid time off for the rest and relaxation that is well deserved.
PTO Tiers Chart
For more info please see the document that correlates to your position
Open Enrollment 2021
If you missed your open enrollment meeting presentation or just want to review the details again, please click the link below:
2021 Open Enrollment Presentation
You can review the 2021 Employee Benefit Guide here.
To enroll in your benefits please click the link below and it will take you to your sign in page and walk you through the process! Open Enrollment in bSwift will run from November 3rd to November 16th.
2021 Enroll Now
My Additional Benefits
Employee Perks
Eligibility
In order to participate in the plan, you must satisfy certain age and service conditions under the plan:
1. Minimum age requirement: In order to participate in the plan, you must be at age 21.
Student Loan Assistance
The Simon Pearce student loan consolidation program is designed to help Simon Pearce employees pay back student loan debt and improve their financial well-being.
Utilizing Simon Pearce’s relationship with The Richards Group, consultation services provided through GradFin are provided free of charge. GradFin is a new employee benefit program that is revolutionizing the way employees can reduce their student loan debt.
GradFin will:
- Provide one-on-one education consultations with GradFin Consultation Experts to review your current loan status and discuss personalized payoff options to save on your loans.
- Offer a competitive interest rate reduction when you refinance your loans.
- Provide up to a $300 bonus to you when you refinance your loans with GradFin. The $300 bonus will be applied to the principal balance of the closed loan.
- Offer the lowest interest rates in the industry through their lending platform which is made up of ten lenders to maximize the chances that you will be approved for a new loan.
Contact Us
GradFin
Phone: (844) GRADFIN
Website: https://gradfin.com/platform/trg/
For more information or to schedule a 15-minute appointment with a GradFin Consultation Expert click HERE!
