Benefits

Sun Life

• Basic Life Insurance
• Short-Term Disability Insurance
• Long-Term Disability Insurance
  • Long Term Disability Income Insurance Certificate
• Company Paid Life & AD&D
• Voluntary Life Insurance
  • Evidence of Insurability (EOI) Guide
  • EOI Online Application

Fidelity HSA

• Exploring the Benefits of an HSA (Fidelity Guide)
• How to Make the Most of Your Health Plan and Fidelity HSA (Infographic)

Note: HSAs can only be used with the high-deductible plans. PPO plans will utilize FSAs.

WageWorks

• Medical & Dependent Care FSA User Guide

Note: FSAs can only be used with the PPO plans. High-deductible plans will utilize HSAs.

Cigna’s Accidental Injury and Critical Illness insurance can provide you with the coverage and additional financial protection you may need for expenses associated with an unplanned covered accident or illness. It can help you bounce back physically, emotionally, and financially.

Here’s how it works: 

• Cash benefit paid directly to you. No copays, deductibles, coinsurance,
  or network requirements.
• Use the money however you want. Pay for costs, such as medical copays and deductibles, travel to see a specialist, child care, help around the house, alternative treatments and more. It’s up to you.
• Cost-effective coverage. By signing up through your employer, you get coverage at a low group rate. Coverage is guaranteed-issue, regardless of medical history.
• Get it and forget it. Your premium can be easily deducted from your paycheck.
• Take it with you. You may be able to take your coverage with you if you leave your employer – benefits won’t change if you port your coverage.

Learn more here.

• Accidental Injury

• • Plan Summary

• • Insurance Certificate

• Critical Illness

• • Plan Summary

• • Insurance Certificate

• • Value-add Benefits (Mental Health, Financial Wellness, and Health and Wellness)

• Filing a Claim with Cigna
  • Log in to myCigna.com
  • Under the “Coverage” tab at the top of the screen, select “Supplemental Health”
  • Scroll to the bottom of the page and click “Submit a claim”
  • Complete the online claim form

Cigna Informational Webinar

• • Presentation
  • Replay

With the Identity Theft Protection Plan, you’ll receive the following services:

• Identity theft protection
• Credit monitoring
• Device security and VPN

Identity Theft Protection Plans offered:

• Secure Plus
• Secure Pro

Download the Identity Theft Protection FAQ

Through the Legal Protection Plan, you’ll be connected to experienced attorneys to guide you through life’s challenges at a discounted rate. Benefits include: 

• Unlimited Initial Phone & In-Person Consultation Per Separate Legal Matter (No Time Limit)
• Simple Will Preparation
• Legal Document Generator
• Legal Letters & Phone Calls on Your Behalf
• Small Claims Court Assistance
• Government Program Assistance
• Flat Rate Savings
• Legal Document Review (Up to 6 Pages)
• Hourly Rate Discount (40% Discount)
• Contingency Discount (10% Discount)

• Download the Legal Protection Plan Overview
• Download the Legal Protection Plan FAQ

You can enroll anytime throughout the year for pet insurance through Nationwide. You do not need to wait for the annual open enrollment period to take advantage of this benefit!

Nationwide helps cover expenses if your pet becomes sick or injured. Nationwide policies are easy to use and reimburse you for eligible veterinary expenses related to surgeries,  hospitalization, X-Rays, prescription medications and more. Best of all, you’re free to visit any veterinarian, anywhere in the world.

Pets you can cover under Nationwide’s policy: Dogs, cats, birds, reptiles, small mammals and other exotic pets*

To start a quote:

• Visit https://www.petinsurance.com/emoneyadvisor 
• Answer a few questions about your pet
• Choose your coverage
  • My Pet Protection
  • My Pet Protection with Wellness500

To learn more about the pet insurance, download this helpful guide or watch this replay from a webinar with Nationwide in February 2025.

• Affordable Care Act (ACA) Covered Preventative Care Medications
  • These are at no cost to you*
• Preventative Medications List (Brands and Generics)
• Prescription Medications List (Tiers)

Optum Rx Pharmacy – Drug Tiers

When your doctor prescribes a medication, it will fall into one of these drug tiers. Tiers are a way of explaining how much your prescription will cost.

• PPO Plan
• High-Deductible Plan

Optum Rx Pharmacy – Prior Authorization

You’ll need prior authorization if your medication says “Yes” for prior authorization, Step therapy or quantity limit.

If this is true for your medication, please talk to your doctor. Your doctor can visit https://slate-rx.promptpa.com or call 833-320-1824 to coordinate next steps for you.

Optum Rx Pharmacy – Home Delivery

If you take a medication regularly, you could save time and money with Optum Home Delivery. Click here to learn more.

Speciality Medications

Specialty pharmacies serve patients that require complex therapies, while retail pharmacies offer prescriptions for common illnesses and conditions. Optum Specialty Pharmacy offers more personalized patient care, communication and resources for special conditions.

The first step is to fill out a new patient enrollment form. Visit https://www.optum.com/en/pharmacy-services/specialty-pharmacy.html or call 877-656-9604.

Optum Rx Online Tools

Visit optumrx.com to register for an account. You’ll need information from your member ID card to sign up and access your account details and prescriptions.

Through these online tools, you’ll be able to: 

• Price a drug: Search your current or new medications to see costs at pharmacies near you. If you’re taking a brand-name drug, you can also see prices for generic options.
• My prescriptions: Search your current or new medications to see costs at pharmacies near you. If you’re taking a brand-name drug, you can also see prices for generic options.
• View my claims: See which prescriptions you’ve filled and how much you paid.
• Pharmacy locator: Search for network pharmacies near you – or find a pharmacy when you’re traveling.
• Manage prescriptions on-the-go: For added convenience, download the Optum Rx app.

If you’re enrolled in eMoney’s medical plan, you’ll receive this required notice explaining how our OptumRx prescription coverage compares to Medicare’s. eMoney’s plan is considered Creditable Coverage, meaning it’s as good as or better than standard Medicare coverage. Read the full notice.

At eMoney, we’re committed to supporting our employees in every aspect of life – including the journey to building a family. We recognize that the path to parenthood isn’t always straightforward. As part of our ongoing effort to support inclusion and destigmatize infertility, we’re proud to offer Progyny – a comprehensive fertility and family building benefit.

What It Offers

Whether you’re just starting to plan or are actively pursuing fertility care, Progyny provides personalized, compassionate support at every step:

Concierge Support

Work one-on-one with a Patient Care Advocate (PCA) – a trained fertility expert who offers clinical and emotional guidance tailored to all paths to parenthood, including adoption and surrogacy.

Preconception Coaching & Education

Get 1:1 phone support and access to trusted resources to better understand your reproductive health and options.

Access to Leading Specialists

Connect with a top-tier network of Reproductive Endocrinologists and Urologists across the country to receive high-quality, inclusive care.

Fertility Treatment & Medication Coverage

Benefit from enhanced coverage for treatments like IUI, IVF, and more – helping manage your out-of-pocket costs.

Doctor-Approved Digital Tools

Browse resources and insights you can trust – whenever you need them.

Ready to Connect?

Your dedicated PCA is just a phone call away.
Call 833-233-1147 (Monday–Friday, 9 a.m. – 9 p.m. ET)

Learn more: https://progyny.com/for-individuals/

NOTE: Progyny aligns with our respective health plans. Meaning, the costs would align with the plan structure of the deductible, co-pays, etc. Members must ensure that the clinic is within the Progyny network, which is a huge network, to receive care.

• Progyny – Fertility and Family Building Benefit
• Progyny – Pregnancy and Postpartum

Menopause and perimenopause care is a part of eMoney medical plan through Progyny.

With this benefit, those enrolled in eMoney’s medical plan will receive personalized care, preferred access to menopause-trained specialists, digital tools, and a dedicated Care Advocate.

Progyny offers a Menopause 101 Webinar Series with monthly sessions diving into topics from lifestyle tips, to understanding hormone therapy, to navigating the mental and emotional impact. View the full schedule, watch past webinars, and register for a session here.

• Progyny – Menopause and Mid-life Care

Thrive Digital Physical Therapy

Thrive is a leading digital physical therapy program that combines the expertise of licensed Doctors of Physical Therapy with the support of AI to deliver personalized care and real-time feedback—all from the comfort of your home.

This benefit is completely free for you and eligible family members 13+ at no additional cost through your Independence Administrators health benefits.

• Convenient, at-home therapy
• Personalized programs tailored to your needs
• Real-time feedback and progress tracking

Ready to get started? Click here
Note: You’ll need your member ID from your medical card.

Bloom – Digital Pelvic Health Support for Women

Bloom is a cutting-edge digital solution designed to support women’s pelvic health at every stage of life—from young adulthood to pregnancy, postpartum, and menopause. With Bloom, you can address pelvic health concerns discreetly and effectively, all from the comfort of home.

This benefit is completely free for you through Independence Administrators health benefits plan.

• Expert-guided pelvic health support
• Personalized programs for every life stage
• Convenient, at-home care

Ready to get started? Click here.
Note: You’ll need your member ID from your medical card.

• View the 401(k) Enrollment Guide
• View the 401(k) ‘Fast Facts’ Guide

Benefits-eligible employees are 401(k) eligible on the 1^st of the month following 90 days of employment.

• Fidelity Packet: As the eligibility date approaches, Fidelity will mail a packet to your home address.
• Register for Account: Two weeks after your hire date, you can register for your account at www.401k.com (Fidelity NetBenefits).
• Contributions: You can set your contribution as early as 60 days prior to your eligibility date.

For example, if your hire date is August 12:

• Your eligibility date is December 1
• You will be able to register for your online account by August 26.
• You will be able to set your contributions as soon as October 2.
• Your first payroll deduction will occur on December 24 pay date (covering December 1-1-15)

Please note that our plan contains an automatic enrollment feature, this means that if you take no action on your eligibility date, you will be automatically enrolled, contributing 6% of your salary and this will automatically increase by 1% on January 1 of each year until you reach 15%.

• October 2025: Fund Liquidation Notice
  One of the funds available in eMoney’s plan will be liquidated on Nov. 4, 2025. Click the link above to learn more.
• Annual Notices
  To keep you informed about your retirement benefits, you’ll find the annual QDIA notice and 401(k) fund sheet. These documents explain how default investments are determined and outline all available fund choices

  • 2025 QDIA Notice

• • 2025 Default Fund Fact Sheet

1. Go to www.petsnationwide.com and search for eMoney Advisor in the “Company
   Search” section
2. Select what kind of pet you have and fill in his/her name, your zip code and then click
   “Get Started”
3. You will see plan options and quoted prices displayed, select which plan you wish to
   enroll in, enter your email address and continue
4. Enter your contact information. To pay for premiums directly from your paycheck, leave the “Payroll” payment method selected, enter your SSN and check the box to authorize the payroll deduction
5. Review the Terms of Service and check the box to acknowledge and then click “Complete purchase”
6. PX receives a monthly feed of new enrollments from Nationwide. Once your enrollment is received, it will be added to your enrollments page in ADP (which can be viewed by selecting Myself, Benefits, then Enrollments).

1. To set up your EyeMed account, first go to www.eyemedvisioncare.com. From the landing page, select “Member Login” in the top right-hand corner.
2. On the next page, click “Create an Account”
3. The following step will require you to enter your name, DOB and the last 4 digits of your SSN (you will be able to access your Member ID once you’ve logged in)
4. Once the system locates you, you’ll enter your email address and create a password. If you receive an error message, please reach out to People Experience. New employees may
   experience slight delays in account setup.
5. A confirmation email will be sent to the email address provided.
6. Click the link in the email to go to the EyeMed site and login to your new account. From here, you’ll be able to view your benefits, print an ID card, view claims, and locate providers.

FSAs

We use WageWorks for Medical/Dependent Care FSAs

• Medical/Dependent Care FSAs: Your election was made in ADP but you can submit for reimbursement, view your transaction history, schedule payments and order additional Healthcare Cards for your covered dependents in the employee portal. Click here for a detailed user guide on FSAs.

Setting Up Your Account

1. Go to www.wageworks.com and click “Log In/Register” then select “Employee Registration”
2. Enter your personal information (your ID Code will be the last 4 digits of your SSN), enter your name, date of birth, zip code and set your username and password
3. New hires will not immediately be able to register for accounts, please expect a 1-2 week delay.

Questions? Ask WageWorks.

If you have any questions, a WageWorks expert can assist:

• (877) 924-3967 (Monday through Friday, from 8 a.m. to 8 p.m. EST)

Set up your MetLife account and print cards:

1. Go to https://online.metlife.com/edge/web/public/benefits and search for eMoney Advisor, LLC under “MetLife Benefits Logon.” (**Note: there is an eMoney Advisor, Inc. option, do not select this)
2. On the next page, under “Not Registered” click the “Register now” link.
3. Enter your personal information. Be sure to use your full name, not a nickname or
   shortened version. You will also set a username and password.
4. After you’re logged in, click the down arrow next to “My Accounts” and select “Dental
   PPO” under “Dental Accounts.”
5. Once you’re on the Dental Benefits page, click “Print Your Dental ID Card” to print and
   save a copy of your ID card.
   • Reminder that physical ID cards are not required to receive dental services, you
     can provide your dentist with your SSN and let them know our dental insurance is through MetLife and they will be able to confirm coverage

Note: Once logged in you will see a “Vision” section. MetLife offers vision discounts, however eMoney’s vision plans are through EyeMed and these discounts are not in place of our vision benefits.

ID cards are not required to receive services. Employees are identified and claims are filed by SSNs. If you want, you can use this sample card.

1. Login to ADP (Access via Okta)
2. Click “Myself”, “Benefits” then “Enrollments”
3. You will see a Year Round Changes Enrollment box, select Start
4. “Walk Me Through My Benefit Options” will be the default, you can leave that selected
   and hit continue
5. You’ll land on a Welcome page, from here, click the Forward To arrow or HSA – Health Savings Account text to proceed
6. This page will show you your current enrollment, to change your contribution, select
   “Edit Plan”
7. You can now enter your new contribution amount
8. Hit done, then “Review & Complete” in the upper right-hand corner
9. The next page will show you the changes you made along with the effective date (keep
   in mind, an effective date of the 1st of the month through the 15th will be on the paycheck that falls on the 24th, an effective date of the 16th of the month through the
   end of the month will be on the paycheck that falls on the 9th)
10. Hit “Complete Enrollment” to finish

Click here to download a copy of the following instructions:

1. Go to https://nb.fidelity.com/public/nb/401k/home
2. On the landing page you will be prompted to log in. If you are a new user you will need to register your account, click on “Register as a New User”
3. You will then need to verify your identity
4. Once you have registered your account you will be directed to your landing page, click on “Open an HSA”.
5. The system will walk you through the necessary steps to complete your enrollment.
6. Once you have completed the enrollment process go back to the eMoney Advisor landing page and click on “Quick Links” under Health Savings Account and click on “Debit Card”
7. Once on the “Debit Card” landing page scroll down to “Ways to Pay…” and click on “Manage Debit Card”
8. From there click on “Order New Card/Replace Card” to order your card. Verify your address on file and update if necessary. You are also able to order additional cards for members in your household.

Medical: Independence Administrators (IBX)

1. Visit https://member.ibx.com/mdx/csportal/initialize
2.  Log on or register if new user
3. Once logged on click on Get Care > Independent Administrators > Doctors by Specialty.
   1. Members can also search for doctors by name, hospitals and clinics and get cost estimates for procedures.

Dental: MetLife

1. Go to www.metlife.com
2. Select “I want to find a MetLife.”
3. Click “Dentist” and enter your zip code, and select your network.
4. Use the Advanced Search option to locate a dentist by name, language spoken,
   specialty or gender.

Vision: EyeMed

1. Go to www.eyemedvisioncare.com/locator/locator.emvc
2. Under “Begin Your Search” enter the desired zip code or click the use my location button
3. Select “Insight” network
4. Click “Get Results” and a list of nearby providers will be generated

At eMoney, community means is at our core, we’re here to back the causes you care about most—whether that’s protecting the environment, fighting hunger, supporting education, or anything else close to your heart.

Through Workplace Giving (eMoney’s giving portal), it’s simple to show your support and even amplify it with eMoney’s employer match – $200/per employee per year.

• Benefits-eligible employees: Donate via Workplace Giving.
  • If you choose to make donations through Workplace Giving, your matching gift – up to $200 per year – for eligible donations will be automatically applied.
• Non-benefits-eligible employees: You can still make donations via an organization’s website of your choosing!

Click here to learn how to give back using Workplace Giving.