2023 Sammons Financial Group
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BENEFITS
2023
GUIDE
TABLE OF
CONTENTS
What’s New for 2023 . . . . . . . . . . . . . . . . . . . . . . . 3
Eligibility Overview. . . . . . . . . . . . . . . . . . . . . . . . . 4
Castlight. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Medical Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Prescription Drug Program. . . . . . . . . . . . . . . . . 10
Health Savings Account (HSA). . . . . . . . . . . . . . . 13
Flexible Spending Account (FSA) . . . . . . . . . . . . 18
Limited Purpose Flexible Spending
Account (LPFSA) . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Dependent Care Flexible Spending
Account (DCFSA). . . . . . . . . . . . . . . . . . . . . . . . . . 23
Non-Tobacco Incentive . . . . . . . . . . . . . . . . . . . . 25
Spousal Surcharge. . . . . . . . . . . . . . . . . . . . . . . . 25
Virgin Pulse Wellness Program. . . . . . . . . . . . . . 26
Dental Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
Vision Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
Aflac Supplemental Plans. . . . . . . . . . . . . . . . . . 30
Women’s Health and Cancer Rights Act . . . . . . 32
2023 Monthly Premiums . . . . . . . . . . . . . . . . . . 33
Frequently Asked Questions for
Open Enrollment . . . . . . . . . . . . . . . . . . . . . . . . . 34
Open Enrollment Instructions . . . . . . . . . . . . . . 35
2
2023
Benefits Guide
WHAT’S NEW FOR 2023
Annual benefit enrollment is an important process, allowing employees to take full advantage of SFG’s
employee offerings with a formal platform to review your benefits enrollment and ensure your current
elections are best suited to your needs—and the needs of your family. Just as our business initiatives change
each year, requiring frequent monitoring of market conditions, your Total Rewards Benefits team also
monitors feedback from our employees and external market data to adjust and improve our Total Rewards
offerings.
The high-deductible medical plan offerings at SFG serve our Total Rewards strategy well by being both
competitive and sustainable. Yet, through our Total Rewards employee survey, we heard feedback from some
team members who want an option that allows lower out-of-pocket costs when initially seeking medical
services. This request has led to the most notable change for benefit enrollment this year; the addition of a
third HSA eligible health plan for 2023 in recognition that the diverse needs of our employee population may
require equally diverse healthcare solutions.
The addition of this health plan allows further choice in determining what you value in your medical
coverage; do you prefer lower monthly premiums out of your paycheck? Or less exposure to paying a higher
medical bill at the point of service? Perhaps an equal balance between these priorities is right for you? Within
this guide you will find the information needed to learn about our benefit offerings as well as the resources
that Sammons Financial Group provides for you to be a responsible consumer of health care. The following
list highlights the few changes for 2023:
New Medical Plan
Consumer Basic Plan added for increased employee choice
IRS Changes
IRS increased HSA contribution limits: single $3,850/family $7,750
What Do I Need to Do?
Use the “link” to find all information regarding open enrollment and your benefits
Calculate your out-of-pocket expenses and what to anticipate for the next year
Complete your enrollment elections through UKG Pro between November 2 through November 16,
2022; you will find open enrollment instructions on page 36 of this guide
Confirm enrollment of dependents in appropriate plans
Upload required documentation in Manage My Benefits
Print or email confirmation of your elections for plan year 2023 for your own records
To see a list of frequently asked questions related to open enrollment, please see page 34.
3
ELIGIBILITY OVERVIEW
Medical Dental and Vision
Employees regularly scheduled to work at least 30 hours per week are
Eligible Employees Same as medical.
eligible for medical coverage.
Effective Date of Coverage begins the first day of the month following date of hire or
Same as medical.
Employee Coverage January 1st of the year proceeding a change in open enrollment elections.
An eligible employee may also elect coverage for the
following dependents:
Spouse to whom an eligible employee is legally married by providing a
Same as medical, foster
copy of the marriage certificate;
Eligible Dependents children are not eligible under
Children, including biological children, step-children, adopted children,
any SFG plans.
children placed for adoption, and children for whom the employee (or
spouse) serves as legal guardian or is otherwise legally obligated to
support. The limiting age for children is 26.
Effective Date of Dependents are eligible for coverage on the later of (i) the date the
Same as medical.
Dependent Coverage employee is eligible, or (ii) the date the person becomes a dependent.
Reminder
The only time that you as an employee can make changes to your elections (including dropping coverage) is at open
enrollment, or if you should have a qualifying life event such as a birth/adoption, death, marriage, divorce, or loss of
employment. You must make changes to your benefits within 31 days of your life event or wait until the next open
enrollment period.
4
2023
Benefits Guide
CASTLIGHT
Castlight takes the guess work out of managing your
benefits so you can make the best decisions for both
Online Resources
you and your family. It is a comprehensive digital Access your health and benefits in one place with
resource that helps you navigate access to and cost Castlight.
of your medical benefits, allowing you to focus on
your health and wellbeing. 1. Benefits—confirm dependents covered under
your plan, view your benefit highlights, and get
Personalized Just For You answers to frequently asked questions.
Information is based on your unique profile and 2. Claims Center—view claim details, including
benefits payment amounts, a summary of your claims by
Receive provider recommendations with date of visit, names of doctors, total charges, and
background expertise relevant to your specific status.
needs and conditions 3. Find Care—find provider reviews and treatment
Get timely, regular notifications that help you pricing to help you make more informed
manage your health, such as exam reminders healthcare decisions.
Track and manage your spending to become a 4. Doctors and Hospitals—use the Provider Finder
better healthcare consumer
to locate a network doctor or hospital.
Maximize the benefits and programs available
5. Message Center—receive notification of
to you
pending and finalized claims via secure
messaging.
6. Quick Links—find all your benefits in one place,
print or access a digital ID card, and review your
health summary.
Get started with Castlight by following these three easy steps:
1. Sign up for Castlight at 2. Submit your information (secure 3. Download the Castlight app on
mycastlight.com/ and completely confidential) mobile or tablet
sammonsfinancialgroup
5
BLUECROSS MEDICAL PLAN
BLUESHIELD OF
BlueCross BlueShield of Illinois (BCBSIL) helps you
ILLINOIS
maximize your healthcare benefits with Blue Access
800.458.6024 for Members (BAM). You and all covered dependents
www.bcbsil.com
over the age 18 can create a BAM account.
With BAM, You Can: It’s Easy to Get Started!
Use our Provider Finder® tool to search for a 1. Go to bcbsil.com/member
healthcare provider, hospital or pharmacy
2. Click Register Here
Request or print your ID card
3. Use the information on your BCBSIL ID card to
Check the status or history of a claim
sign up
View or print Explanation of Benefits statements
Use our Cost Estimator tool to find the price of Or, text* BCBSILAPP to 33633 to get the BCBSIL app
hundreds of tests, treatments and procedures that lets you use BAM while you’re on the go.
Download our app * Message and data rates may apply.
Sign up for text or email alerts
Confused About Where to Go for Care?
If you are not having an emergency, you may save time and money by considering the choices you have to
seek for non-emergency care. When you use in-network providers for your family’s health care, you usually
pay less for care. Search for in-network providers in your area at bcbsil.com or by calling the Customer
Service number on your member ID card.
Important Note Regarding BlueCross BlueShield of Illinois (BCBSIL)
You must contact BCBSIL’s Medical Service Advisory (MSA):
If you or a member of your family goes to the emergency room for care and are admitted to the hospital, you must call
to inform them of the hospitalization within 48 hours of or as soon as possible. For a scheduled admission, they need to
call at least 24 hours in advance.
If you or a member of your family undergoes an inpatient procedure. If the surgery is non-emergency, you must contact
the MSA prior to undergoing any inpatient surgical procedure.
If you are uncertain whether it is necessary to call, contact the MSA. If you do not call and you should have, you will be
charged a $500 penalty. If it was not necessary for you to call, they will inform you of such. You want to make sure it gets
recorded that you contacted them.
The telephone number for the MSA is 800.232.7108. This telephone number can also be found on the back of the BCBSIL ID
card you receive.
6
2023
Benefits Guide
Benefit Overview
Get a better understanding of how you and your health plan work together to pay for your healthcare services.
Deductible Copay/Coinsurance Out-of-Pocket
$
Coinsurance is the percentage of the The money you pay out of your own
The total amount you must pay
cost that a member pays out-of-pocket pocket for your healthcare services before
before your plan starts paying
towards a claim, i.e., 20% member your plan covers the rest of the cost.
for part of your medical and
coinsurance for a $100 claim would result
prescription costs.
in the member paying $20.
Medical Plan Definitions
Embedded vs. Non-Embedded Deductible
NON-EMBEDDED DEDUCTIBLE EMBEDDED DEDUCTIBLE
NEW Consumer Basic Family Consumer Family
In-Network Deductible: $3,000 In-Network Deductible: $6,000
Family works as a team to meet the family deductible. Each individual works to meet their individual deductible
There is no individual deductible. ($3,000). No individual can pay more than $3,000 towards
The most a family will pay before moving to coinsurance the deductible.
is $3,000.
$700 $1,800 $500 $3,000 $3,000 $0
This plan has an embedded family deductible.
A family member is treated as an individual, as if that member
had single employee coverage.
$3,000 If one family member reaches the $3,000 individual
The Consumer Basic Plan has a non-embedded family deductible, the plan begins to cover services for that individual
(also called aggregate) deductible. only.
Any combination of family member expenses go toward The other remaining deductible amount of $3,000 needs
the $3,000 deductible. Then the plan begins to cover to be reached by another family member and then the family
services for all family members. deductible is met.
Once deductible is met, the entire family will pay Instead of everyone working toward the family deductible
coinsurance (10%) until the family out-of-pocket at the same time, family members first work toward their
maximum is met. The most an individual can pay for the individual deductibles.
out-of-pocket maximum is the individual out-of-pocket Once the family deductible is met through the cumulation
maximum. of members’ individual deductibles, the entire family will pay
coinsurance (10%) until the family out-of-pocket maximum is
met. The most a family member can pay for their own claims is
the individual out-of-pocket maximum.
The Consumer Plus and Traditional are embedded and would follow the same example as the Consumer plan.
7
Medical Plan Summary
Medical Plan Features Traditional (PPO)** NEW Consumer Basic Consumer (HD) ConsumerPlus (HD+)
2023 2023 2023 2023
$250 single/$500 family
(Health Savings Account)
$1 for $1 Sammons
Financial Group
Healthcare Spending provided match to HSA
No Employer HSA $250 single/$500 family
Accounts-Employer Not an HSA eligible plan account funding up to
contribution (Health Savings Account)
Contributions $500
Single/$1,000 family
annually–in addition
to funding listed above
(Health Savings Account)
Non-Embedded
Calendar Year Deductible Embedded Deductible Embedded Deductible Embedded Deductible
Deductible
Individual $1,300 $1,500*** $3,000 $4,000
Family $2,600 $3,000 $6,000 $8,000
Medical Out-of-Pocket Maximum (Includes Deductible)
Individual/Family $4,750/$9,500 $3,500/$7,000 $3,500/$7,000 $5,000/$10,000
Rx Out-of-Pocket Maximum (Includes Deductible)
Rx counts towards the Rx costs count towards Rx costs count towards
Individual/Family $2,100/$4,200 medical out-of-pocket the medical out-of- the medical out-of-
maximum pocket maximum pocket maximum
Lifetime Maximum Unlimited Unlimited Unlimited Unlimited
80% covered after 90% covered after 90% covered after 80% covered after
Office Visit
deductible deductible deductible deductible
Wellness/Preventive–
100% covered 100% covered 100% covered 100% covered
Adults/ Children
Inpatient and Outpatient 80% covered after 90% covered after 90% covered after 80% covered after
Services deductible deductible deductible deductible
$200 copayment then 90% covered after 90% covered after 80% covered after
Emergency Room Services
80% after the deductible deductible deductible deductible
80% covered after 90% covered after 90% covered after 80% covered after
Diabetic Pumps
deductible deductible deductible deductible
* Embedded deductible: if one member of the family meets the embedded individual deductible, then the plan coinsurance would start to pay once
that individual deductible is met. Sammons Financial Group’s Consumer and Consumer Plus plans are required to have a minimum embedded
individual deductible of $3,000 to remain HSA qualified in 2023, due to IRS regulations.
** Those who are currently enrolled in the Traditional plan in 2022 will be able to re-elect this plan for the benefits year 2023. Those who choose to
leave the Traditional plan will no longer be able to move back to the Traditional medical plan.
*** Please note, the individual deductible applies only for those electing Employee Only Coverage.
Please refer to
the Summary
of Benefits for a
full description
of benefits.
8
2023
Benefits Guide
Prescription Drug Plan Summary
Prescription Traditional (PPO) Consumer Basic Consumer (HD) ConsumerPlus (HD+)
Drug
Benefits Retail Mail Order Retail Mail Retail Mail Order Retail Mail Order
Individual No No No No No No
No individual Rx
Rx $150 individual individual individual individual individual individual
ded.
Deductible Rx ded. Rx ded. Rx ded. Rx ded. Rx ded. Rx ded.
Generic
Drugs
(including
Diabetic
90% 90% 90% 90% 80% 80%
Test Strips, $20
$20 covered covered covered covered covered covered
Lancets, copayment per
copayment–no after after after after after after
Glucagon prescription (3
ded. medical medical medical medical medical medical
Emergency month supply)
ded. ded. ded. ded. ded. ded.
Kits and
Diabetic
Pump
Supplies)
Your
Your
coinsurance
coinsurance 90% 90% 90% 90% 80% 80%
= 13.33%,
Formulary = 20% after covered covered covered covered covered covered
Minimum
Brand Name ded., minimum after after after after after after
cost of $60,
Drugs cost of $45, medical medical medical medical medical medical
maximum
maximum $95 ded. ded. ded. ded. ded. ded.
of $180
per prescription
per prescription
Your
Your
coinsurance
coinsurance 90% 90% 90% 90% 80% 80%
Non- = 26.67%,
= 40% after covered covered covered covered covered covered
Formulary Minimum
ded., minimum after after after after after after
Brand Name cost of $120,
cost of $70, medical medical medical medical medical medical
Drugs maximum
maximum $185 ded. ded. ded. ded. ded. ded.
of $360
per prescription
per prescription
Rx Out-of-Pocket Maximum (Includes Deductible)
Rx costs count towards Rx costs count towards Rx costs count towards
Individual/
$2,100/$4,200 the medical out-of- the medical out-of- the medical out-of-
Family
pocket maximum pocket maximum pocket maximum
* There is not a separate Rx deductible for the Consumer Basic, Consumer, and ConsumerPlus plans. Rx costs count towards the medical deductible
for these plans.
9
PRESCRIPTION DRUG PROGRAM
SFG Medical Plan Strategies
Pharmacy Cost Saving Tools
Just as your medical plan covers visits to your
doctor, your Express Scripts prescription plan covers EXPRESS SCRIPTS
the medication your doctor prescribes. 800.818.6634
www.express-scripts.com
Visit: www.express-scripts.com/sfg to:
Remember that your Express Scripts ID card for the
Explore plan options and benefits prescription drug program is separate from your BCBS
medical ID card.
Price medications (tip: have your prescription
SFG Medical Plan Strategies
bottles nearby so you’re ready to search)
Find participating pharmacies in your area
Pharmacy Cost Saving Tools
$0 Copay
Diabetes Prescription
Prevention Drug
Program
Out-Of- Specialty
Pocket Medication
Protection Pharmacy
(new in 2023)
SaveOnSP
(new in 2023)
LOCKTON COMPANIES | 1
MOBILE APP
It’s easy to manage your medicine anytime, anywhere. With the Express Scripts mobile app, you can have information and
assistance right at your fingertips. With up-to-the-minute order status, a pharmacy locater, the handy “medicine cabinet” to
keep track of prescriptions, and more, this app is a must have!
For more information on this app, available on the iTunes and Google Play stores, please click here!
102023
Benefits Guide
Express Scripts Programs
1
$0 Copay Prescription Drug
Program Mail Order
Preventative medications target many illnesses and Utilize the mail order pharmacy for ordering
a 3-month medication supply to save time,
maintain chronic conditions. If your medication is
with online and over the phone refills and
on the Copay Prescription Drug list, you pay zero take advantage of convenient home delivery
dollars out-of-pocket! with free standard shipping. Mail order also
offers you access to a licensed pharmacist by
Specialty Medication Pharmacy phone and allows you to take advantage of
wholesale prescription drug prices.
ESI partners with focused pharmacy providers to
offer a full-service specialty pharmacy on chronic
2
and complex conditions.
Diabetes Prevention Pharmacy
You always have the option to refill your
Personalized weight management and healthy living prescriptions at one of the many in-network
program as a preventative measure to diagnosis of pharmacies.
a serious condition. Qualified enrollees in program
3
incur no cost!
SaveOnSP (New in 2023) Smart90 Program
The Smart90 program allows members to
Maximizes manufacturer assistance dollars offered
fill a 90-day retail supply at Walgreens or
through drug companies in order to benefit the plan through Express Scripts mail order pharmacy.
and allow for zero cost to you on over 320 specialty This partnership allows you to receive
your 90-day supply at a discounted price,
drugs.
compared to filling a 30-day prescription
every month. This program can be extremely
Out-of-Pocket Protection beneficial for those who have continuous
(New in 2023) medications, as you can save time and
money using the Smart90 program.
Maximizes manufacturer assistance dollars offered
through drug companies for any specialty drugs not
included in SaveOnSP and passes savings onto you,
the healthcare consumer. Costs for the medication
will run through insurance like normal; deductible
and out-of-pocket maximums will apply — this does
not include any discounts.
11Options for Filling
Prescriptions
RETAIL DISPENSING LIMIT
The dispensing limit at a retail location is a 30-day
supply for all medical plans. If you have a medication
that is prescribed for a longer period of time,
you can take advantage of the Smart90 program
described on the previous page to save time
and money.
SPECIALTY MEDICATIONS PHARMACY
A dedicated pharmacy for specialty medications is
available through the prescription drug plan. This
type of pharmacy provides access to medications
for complex medical conditions (e.g., multiple
sclerosis, rheumatoid arthritis, cancer, etc.), as these
medications generally require close monitoring and
are normally very expensive. No benefits will be
available for specialty medications purchased at any
other pharmacy.
$0 COPAY PRESCRIPTION DRUG
PROGRAM
In addition to a healthy lifestyle, preventive
medications can help people avoid many illnesses
and conditions. Sammons Financial Group partners
with Express Scripts to offer many drugs as a $0
copay. The list includes but is not limited to certain
drugs relating to: asthma, diabetes, bone disease,
high blood pressure, cholesterol, smoking cessation,
etc. To view the full list of preventive medications
that are covered at a $0 copay, click here and
choose your plan.
122023
Benefits Guide
HEALTH SAVINGS BENEFITWALLET
ACCOUNT (HSA) 877.635.5472
www.mybenefitwallet.com
An HSA is a tax-advantaged savings account that
allows you to pay for current qualified medical
expenses and save for future qualified medical
expenses on a tax-favored basis. To be eligible to set
up and contribute to an HSA, you must be covered
by a qualified HDHP and not have other coverage.
Advantages of an HSA
An HSA works similarly to a personal checking
account; however, the money can only be used to
pay for qualified medical expenses. Your HSA can
pay for you and your eligible dependents’ medical
expenses tax free. Other HSA advantages include:
You can add tax free contributions and take the
deduction when filing your taxes. This helps you
save on most state and federal taxes.
You can change the amount you contribute
to your HSA at any time during the plan year
by submitting a change through Manage My
Benefits in UKG Pro.
You can use the money in your account to pay
for eligible out-of-pocket medical, dental, and
vision expenses.
You can pay COBRA and some Medicare
premiums with your HSA.
Any unused funds rollover from year to year
and allows you to accumulate funds over time.
An HSA belongs solely to you, which means you
keep the account even if you change jobs or
retire.
Sammons Financial Group offers three high-
deductible medical plans that meet the IRS
qualifications to include an HSA and, depending
on the medical plan in which you enroll may also
provide you with employer funding.
13It's your money
Save, spend or invest with your HSA
Your BenefitWallet® Health Savings Account (HSA) is a powerful savings tool that you can use
to save, spend or invest for your – and your family's – health care expenses.
Three ways to use your HSA
1 2 3
Save Spend Invest
Contribute to your HSA Use your HSA to pay for Similar to a 401(k), your HSA
regularly. Then, save your health care expenses and has investing features that
HSA funds to build a safety extend the buying power of can be used once your
net for unexpected health your income. balance reaches $1,000.
care costs. Investing can grow your
Save up to 35% on qualified
savings over time.
Anything you save rolls over medical expenses such as
year to year, so there's no risk medications and medical, This is helpful since the
of losing unspent funds. dental and vision care. average retired couple needs
an estimated $390,000 to pay
Will you be prepared? The more you spend, the
for out-of-pocket expenses.
more you save.
$7,500
Watch your HSA grow.
Potential cost of a $4,500
broken leg Annual out-of-
pocket medical $$$
$30,000 costs $$$ $$$
Average cost of a
3-day hospital stay $2,515 $$$ $$$ $$$
Potential annual
tax savings Year 10 Year 20 Year 30
142023
Benefits Guide
How to open an HSA
Fund your account
Get started
by depositing funds into your HSA,
by enrolling in an HSA-qualified
ideally through your employer's
health plan and open your account.
payroll or from your bank account.
Things you should know
2023 contribution limits Always tax free
In 2023 you can maximize your HSA deposits Tax • Contributions
by contributing up to these amounts: free • Qualified expenses
• Investment gains
$3,850 $7,750 $1,000 Use any time
Single Family Extra if you are
coverage coverage 55 or older Funds never expire
Qualified medical expenses Pay for medical expenses
You can spend your HSA dollars on qualified For you and your family
medical expenses such as:
• deductibles and copays
• prescription and over the
counter medications We’re here to help
• vision or dental care Visit mybenefitwallet.com or call
View a full list of qualified expenses at the BenefitWallet Service Center
irs.gov/pub/irs-pdf/p502.pdf. at 877.472.4200.
© 2022 Conduent Inc. All rights reserved. Conduent, Conduent Agile Star and BenefitWallet® are trademarks of Conduent Inc. and/or its
subsidiaries in the United States and/or other countries. HSA-M-1000-0721
152023 IRS HSA Contribution Limits
Single: $3,850 Family: $7,750 Catch-up contribution (age 55
or older) $1,000
Consumer Basic (New) Consumer Consumer Plus
Single
SFG Contribution
$0 $250 $250
Funds loaded to Employee HSA: 01/15/2023
SFG Match Match up to $250 of Employee
$0 $0
First match loaded: 04/15/2023 contribution through 03/31/2023
Second SFG Contribution
$0 $0 Match up to full annual match $500
Second match loaded: 11/15/2023
Family (Employee + 1)
SFG Contribution
$0 $500 $500
Funds loaded to Employee HSA: 01/15/2023
SFG Match Match up to $500 of Employee
$0 $0
First match loaded: 04/15/2023 contribution through 03/31/2023
Second SFG Contribution
$0 $0 Match up to full annual match $1,000
Second match loaded: 11/15/2023
In addition to the above, a catch-up contribution (age 55 or older) can contribute an additional $1,000.
Employer funding counts towards the IRS maximum. When planning your own deductions, take the IRS maximum, subtract the employer funding, and
the remainder is what you can defer.
Medical Plan IRS Annual Maximum Potential SFG Funding Employee Funding
Single Consumer $3,850 $250 $3,600
Family Consumer $7,750 $500 $7,250
Single Consumer Plus $3,850 $750 $3,100
Family Consumer Plus $7,750 $1,500 $6,250
Additional Catch-Up Contributions (55 - years or older) $1,000 N/A $1,000
Don’t Leave Money on the Table!
What Steps Do I Need to Take to enroll in the HSA and Receive
Employer Funding?
1. Open your account online through the Advantage Direct portal with three clicks!
mybenefitwallet.com
Use your name, Social Security number, date of birth, and ZIP code
2. Open your HSA within 60-days of being newly eligible in order to receive the employer funding.
3. Elect the amount of pre-tax funds you want to contribute through payroll deductions within the Open
Enrollment election process. Please note, employees are not required to contribute to their own HSA
account to receive employer funding. As long as their is an open account, Sammons Financial Group will
fund as described above.
Mid-year changes can be done at any time by completing a Life Event through the Manage My
Benefits in UKG Pro.
162023
Benefits Guide
Investment Options
HSA Calculator
BenefitWallet offers an integrated investment
To help you determine how much you can contribute to platform with investment options from a variety
your HSA and the amount of tax savings you may see, of funds.
click here.
You can open investments online once your
HSA checking reaches $1,000.
Have Questions? Rules and Restrictions
Take charge of your family’s healthcare and learn how to In order to receive the employer funded portion of
make the most of your HSA!
the Health Savings Account, employees must open
Click on the following link for all your questions and their account with Benefit Wallet within 60 days of
answers! enrollment in the plan. You may open your account
mybenefitwallet.com/CMS/portal/default/faqs.html
with a different bank, but will forfeit the employer
#/hsa/about-hsas
funding and the ability to contribute on a pre-tax
basis through your paycheck.
For those that may have missed out on this
opportunity in 2022 or in the past, you may
receive the 2023 employer funding portion by
opening your account with Benefit Wallet before
the February 28, 2023 pay period. Please email
HRbenefits@sfgmembers.com if you do not wish
to receive ER funding.
You should stop contributing to your HSA six months
before you apply for Social Security retirement benefits to
avoid potential tax penalties.
Medicare and Your HSA
Becoming eligible for Medicare does not impact your ability to make contributions or withdrawals from your
HSA, assuming you otherwise remain HSA eligible. Once you enroll in Medicare you are no longer eligible
to make contributions to your account but you can continue to pay for qualified medical expenses with your
HSA.
If you are planning to enroll in Social Security, you should consider discontinuing your HSA contributions
at least six months before you apply for Social Security retirement benefits to avoid any adverse tax
consequences.
17FLEXIBLE BENEFITWALLET
SPENDING 877.635.5472
www.mybenefitwallet.com
ACCOUNT (FSA)
A Health Care Flexible Spending Account (HCFSA) allows you to use pre-tax dollars to pay for eligible out-
of-pocket health care expenses, saving you up to 35% in taxes. Use the funds to pay for a broad range of
expenses for you, your spouse and your tax dependents—even if they aren’t covered by your health plan.
Claim Reimbursement Run-Out Period
The reimbursements are processed daily. If you All HCFSA incurred expenses for the 2022 plan
have Direct Deposit setup with BenefitWallet, you year must be submitted to BenefitWallet, for
should see reimbursements for claims sent to reimbursement no later than April 14, 2023.
BenefitWallet in the account of your choice within
1-2 business days. Medical FSA and HSA?
You can either submit claims through your online If you are a participant in the HSA plan, you can only
account at www.mybenefitwallet.com, or you use the FSA to reimburse yourself for dental and
can complete a paper claim form and mail it to the vision expenses. Your FSA will then be considered a
below address: Limited-Use FSA. Please note that you will have to
sign the affidavit that signifies your understanding
BenefitWallet that the Limited-Use FSA is for dental and vision
P.O. Box 18009, Suite A expenses only.
Norfolk, VA 23501
Claim Extension (Grace
Period)
If you have money leftover in your HCFSA at the
end of the year, you can use your 2022 money for
Remember
expenses incurred through March 15, 2023. This If you are electing the FSA, please see the Benefits Prime
allows you more time to use your 2022 election page for instructions. You are required to re-enroll in the
FSA program every year. Elections do not carry over.
before the “use it or lose it” provision applies.
CASTLIGHT
You are highly encouraged to use Castlight to become a smarter and more economical healthcare consumer. Castlight can help
you find the highest quality medical care at the lowest cost: 800.684.0510 or mycastlight.com/sammonsfinancialgroup.
182023
Benefits Guide
Qualifying Expenses How It Works
Estimate what you will spend on eligible out-of-
Doctors, Labs, and
pocket healthcare expenses for the year
Hospitalization Enroll in an HCFSA through your employer
Doctor’s office visits and procedures, Use your funds
hospital services, health plan Important: You must save all receipts and
deductibles and copayments submit to BenefitWallet® for reimbursement
Alternative Care/Special Account Advantages
Services Tax-free: You can save up to 35% on eligible
healthcare costs
Chiropractor, physical therapy, special
Convenient: Make your payments with your
education for learning disabilities HCFSA debit card (if offered with your plan),
Medications and Medical BenefitWallet mobile app, online bill pay and
Devices online claims submission
Prescription drugs, over-the-counter
medical items, insulin, hearing aids,
hand sanitizer
We’re Here to Help
Eye Care
Visit mybenefitwallet.com or call the
Vision examinations, eye glasses, laser BenefitWallet Service Center at 855.236.8600.
surgery, contact lenses
Dental Care
Dental cleanings/treatments, braces,
extractions, dentures/artificial teeth
You can view a complete list of qualified expenses at
irs.gov/pub/irs-pdf/p502.pdf.
19LIMITED PURPOSE FLEXIBLE SPENDING
ACCOUNT (LPFSA)
Limited Purpose Flexible
Spending Account
The BenefitWallet® Limited Purpose Flexible Spending Account (LPFSA) allows you to use
pre-tax dollars to pay for eligible out-of-pocket dental and vision expenses. The account is
typically paired with a Health Savings Account (HSA), allowing you to maximize your tax
savings. Use the funds to pay for a broad range of expenses for you, your spouse and your tax
dependents – even if they aren’t covered by your health plan.
How it works Qualifying expenses
1. Estimate what you will spend on eligible out-of- Eye care
pocket dental and vision expenses for the year. • Vision exams • Laser surgery
2. Enroll in an LPFSA through your employer. • Eye glasses • Diagnostic Services
3. Use your funds. • Eye surgery • Eyeglass repair kits
4. Important: You must save all receipts and • Contact lenses • Copays/deductibles
submit to BenefitWallet for reimbursement. • Saline solution
Account advantages Dental care
Tax-free: Save up to 35% on eligible vision and • Teeth cleanings • Diagnostic services
dental care costs. See the FAQs for more information. • Dental x-rays • Extractions; fillings
• Orthodontia • Copays/deductibles
Convenient: Make payments with your LPFSA debit
card (if offered with your plan), mobile app, online • Root canals • Dentures/implants
bill pay, and online claims submission. • Devices/guards • Crowns/bridges
We’re here to help
Note: In general, LPFSA funds expire at the
end of your plan year, though your employer Visit mybenefitwallet.com or call
may offer options, such as a grace period, run- the BenefitWallet Service Center at
out period, or rollover. These options all extend 855.236.8600.
your ability to use current year funds into the
next year. See the LPFSA FAQ section for more
details.
© 2022 Conduent Inc. All rights reserved. Conduent, Conduent Agile Star and BenefitWallet® are trademarks of Conduent Inc. and/or its
subsidiaries in the United States and/or other countries. LPFSA-M-2003-0122
202023
Benefits Guide
Limited Purpose Flexible Spending Account:
Frequently asked questions
What is a Limited Purpose FSA (LPFSA)? How does an LPFSA work?
An LPFSA is an employee benefit provided by your 1. Funding: During open enrollment, you decide on
employer that allows you to save money. With an a specific amount of pre-tax dollars with which to
LPFSA, you set a specific amount of pre-tax dollars fund your account. Be sure to choose an amount
to be withheld from your paycheck. You can then you will spend as leftover money is typically lost
use those funds to pay for qualified dental and at the end of your plan year.
vision expenses. 2. Paying for qualified expenses: Pay for eligible
expenses using your LPFSA debit card (if offered
What tax savings do I get with an LPFSA? with your plan). You could also pay out of pocket
The money you have withheld from your paycheck is and request reimbursement online or through the
pre-tax and not subject to federal and payroll taxes. BenefitWallet mobile app.
You could save up to 35% if you paid 28% federal 3. Requesting reimbursement/substantiating
and 7% payroll taxes on the portion of your income purchases: Each purchase you make must be
that instead went into your LPFSA. Please consult a verified, or substantiated, typically with an
tax advisor for more information on your potential itemized receipt and Evidence of Benefits. You
LPFSA tax savings. can use mybenefitwallet.com or the mobile app
to submit claims and request reimbursement.
4. Reimbursement claims processing:
BenefitWallet promptly processes your request.
If you paid out of pocket, we will reimburse
you by direct deposit or check. Set up direct
deposit at mybenefitwallet.com to receive faster
reimbursements.
Whose expenses can I pay with my LPFSA?
Your LPFSA can be used to pay for your qualified
dental and vision expenses and those of your spouse
and tax dependents, if you have them.
21What special account features does my Which should I spend first – LPFSA funds or
employer offer? HSA funds?
You will need to check with your employer This decision is up to you, but in general you should
about special LPFSA features that could extend consider spending your LPFSA funds first because
the timeframe for spending your annual funds. the funds typically expire if you don't use them in the
Remember, in general LPFSA funds expire at the end same year you fund the account. Conversely, your
of your plan year. Your employer may offer a grace HSA funds carry over year after year and never expire.
period (allows you to use prior-year funds to pay for
expenses incurred at the beginning of the following
year), a run-out period (allows you to submit
claims for prior-year expenses during the first
couple months of the following year) or a rollover
(allows you to roll over a maximum of $570 into the
following plan year, to be used anytime during that
next year).
What happens to my LPFSA if my
employment ends?
Deductions for your LPFSA will end when your
employment ends, unless your employer is
obligated to offer you COBRA continuation and What kinds of expenses qualify?
you elect this option. If you don’t choose COBRA,
you are not eligible to be reimbursed for qualified An LPFSA covers out-of-pocket dental and vision
medical expenses incurred after the termination expenses. These typically include dental cleanings,
of your employment. Reimbursement requests fillings, crowns and braces. Covered vision
for claims incurred while active under the LPFSA expenses include contacts, glasses, eye exams and
plan must be submitted prior to the end of your vision correction procedures like laser surgery.
employer’s plan year. View the complete list of qualified expenses at
irs.gov/pub/irs-pdf/p502.pdf.
Who is eligible to contribute to an LPFSA?
Who do I contact with questions?
If you have a Health Savings Account (HSA) and
your employer offers an LPFSA (limited to dental Visit mybenefitwallet.com or call the BenefitWallet
and vision expenses), you are eligible to contribute Service Center at 855.236.8600.
to both a LPFSA and HSA. This allows you to
maximize your tax savings benefits.
© 2022 Conduent Inc. All rights reserved. Conduent, Conduent Agile Star and BenefitWallet® are trademarks of Conduent Inc. and/or its
subsidiaries in the United States and/or other countries. LPFSA-M-2003-0122
222023
Benefits Guide
DEPENDENT CARE FLEXIBLE SPENDING
ACCOUNT (DCFSA)
Dependent Care Flexible
Spending Account
A Dependent Care Flexible Spending Account (DCFSA) allows you to use pre-tax dollars to
pay for eligible out-of-pocket day care expenses for a qualified tax dependent under age 13 or
a spouse or relative who lives with you and is physically or mentally incapable of self-care.
How your DCFSA works DCFSA eligible expenses
• Estimate what you will spend on eligible You can use your DCFSA to pay for a wide variety of
dependent care expenses for the year. dependent care services. The IRS determines which
• Enroll in a DCFSA by electing a contribution expenses are eligible for reimbursement. For example:
through your employer. School
• Child day care center, nursery school,
• Start using your DCFSA funds to reimburse before/after-school care
yourself for expenses after services are rendered. • Placement fees for a dependent care
• Submit your expenses with appropriate provider
documentation and receipts for reimbursement. • Child care by a private sitter
Only dependent care expenses that allow you to work • Summer or holiday day camps
are eligible for reimbursement from your DCFSA. Your • Adult day care center, custodial elder
DCFSA has a “use it or lose it” rule meaning the IRS care, day camp
requires you to forfeit any unspent funds at the end
Ineligible expenses include expenses for non-
of the plan year.
disabled children 13* and older, educational expenses
including kindergarten or private school tuition
Benefits of your DCFSA fees, overnight camp expenses, registration fees,
Tax-free spending: Save up to 35% on eligible transportation expenses, payment for services not
dependent care expenses. yet provided and medical care.
Easy to use: Quickly and easily create your claim
We’re here to help
online or through the BenefitWallet® mobile
app to upload your receipt documentation for Visit mybenefitwallet.com or call the
reimbursement. Qualified providers can easily certify BenefitWallet Service Center at
services they provide by placing their signature right 855.236.8600.
in the app on your mobile device.
* Please see your plan documents for age limits on dependent care eligibility.
© 2022 Conduent Inc. All rights reserved. Conduent, Conduent Agile Star and BenefitWallet® are trademarks of Conduent Inc. and/or its
subsidiaries in the United States and/or other countries. DCFSA-M-2002-0821
23Dependent Care Flexible Spending Account:
Frequently asked questions
Who qualifies as a dependent for eligible How do I request reimbursement?
DCFSA expenses? You can request a reimbursement through the
A qualifying child under the age of 13* when the BenefitWallet member portal, mybenefitwallet.com
care was provided; your spouse who is not physically or the BenefitWallet mobile app. You will need to
or mentally able to care for his or herself and lives upload documents to substantiate or validate your
with you for more than half the year; or a person claim.
who is not physically able to care for his or herself,
lives with you more than half the year, and is your How much can I elect to contribute?
dependent. Other special tax situations may apply; Your contribution cannot exceed the maximum
speak with a tax advisor for more details. amount specified by the Internal Revenue Code.
Please consult a tax advisor for additional details.
What requirements must be met for the
care to qualify as dependent care? What if my dependent care expenses are
In general, the care must be provided while you
less than the amount I elected?
work or look for work. If you are married, the care Money contributed to your DCFSA must be used to
must be provided while your spouse works, looks reimburse qualified expenses incurred during the
for work, goes to school full time, or is incapable of plan year. Any funds not used to reimburse eligible
self-care. The care may be provided by a relative or expenses will be forfeited.
non-relative but cannot be provided by your child
under the age of 19, the child’s parent, or another
tax dependent. For a complete list of eligible expenses, please
see IRS Publication 503 at IRS.gov.
Can I change the amount I elect to
contribute during the year?
Who do I contact with questions?
The amount you contribute cannot be changed
during the plan year unless you experience a Visit mybenefitwallet.com or call the BenefitWallet
qualified change in status event that causes your Service Center at 855.236.8600.
dependent to meet, or no longer meet, eligibility
requirements. Qualified status changes include
changes in marital status, the number of your
dependents, or a change in employment status.
* Please see your plan documents for age limits on dependent care eligibility.
© 2022 Conduent Inc. All rights reserved. Conduent, Conduent Agile Star and BenefitWallet® are trademarks of Conduent Inc. and/or its
subsidiaries in the United States and/or other countries. DCFSA-M-2002-0821
242023
Benefits Guide
NON-TOBACCO SPOUSAL
INCENTIVE SURCHARGE
As an incentive towards a healthier lifestyle, The working spouse provision requires that if an
Sammons Financial Group offers a Non-Tobacco employee covers their spouse on the Sammons
Incentive for an individual (employee, spouse, and/ Financial Group medical plan and the spouse has
or child) enrolled in a medical plan that does not use access to qualified healthcare through their own
or has not used any tobacco products in the last 6 employer, an additional premium of $50 per month
months a $45 monthly Non-Tobacco Incentive on will be deducted from the employee’s payroll.
the medical plan premium. If you were a tobacco
user, but can substantiate via an affidavit that the The working spouse surcharge will not be assessed if
tobacco use has ceased for a minimum period of 6 a spouse:
months, you will be eligible for the incentive. Any Does not work
previously submitted affidavit forms will carryover
Does not have access to qualified healthcare
into 2023. through another employer
Has access to veterans benefits, Native
Starting and/or Ceasing to
American benefits, Medicare, Medicaid, or other
Use Tobacco Products state/federal healthcare
Chooses to no longer enroll in the Sammons
Please notify the Total Rewards Benefits Team Financial Group medical plan and enroll in their
immediately if, at any time, you or any of your employers plan
enrolled dependents begin using tobacco
products. You will then lose eligibility for the If your spouse loses or obtains health coverage
$45 monthly Non-Tobacco User Incentive. through their employer, you have 31 days to notify
If you or any of your enrolled dependents cease the Total Rewards Benefits Team of such change. The
using tobacco products at a later date for at Total Rewards Benefits Team needs to be notified in
least 6 months and/or complete a cessation writing of all family status changes within 31 days
program, you may be eligible for the Non-
of when the change occurred. Failure to notify the
Tobacco User Incentive. Please notify the Total
Rewards Benefits Team and provide written Total Rewards Benefits Team in a timely manner will
verification in this situation. bar you from making a change until the next annual
open enrollment period.
Attestation Requirement
Within the open enrollment wizard in Manage My
Benefits, you will be required to state whether or
not you or any of your enrolled dependent(s) in the
medical plan use tobacco products.
* For the sole purpose of this policy, tobacco products include, but
are not limited to, cigarettes, cigars, snuff, chewing tobacco, pipes,
e-cigarettes, hookah, nicotine gels, dissolvable, etc.
25VIRGIN PULSE WELLNESS PROGRAM
REWARDS
The more you do, the more you earn.
It’s easy and fun to earn rewards with your sponsored wellness program from Sammons Financial Group.
Complete healthy activities, engage in challenges, start healthy habits, compete with friends and watch your
rewards grow.
Complete the 3 priority steps of the Wellness Program in order to begin earning discounts on your medical
premiums:
Complete by
Biometric Lab Screening
September 30
Complete by Health Assessment
December 31 Next-Steps Consult
New Employee to SFG and first year enrolled in SFG medical plan? Complete the 3 required steps and receive a $10 incentive each
month following completion of required steps. Actions reviewed on a quarterly basis and incentive will be back dated to month
following completion of 3 required steps.
Earn up to $750 in rewards! Participate in healthy activities from January 1 through December 31 to earn points and
watch your Premium Discount add up. Simply finish your priority activities and build your points by December 31.
Complete 3 Level 1 > Level 2 > Level 3 > Level 4
Priority Steps
Points 7,000 25,000 40,000 60,000
Premium Discount $150 $150 $150 $150 $150 $750
See ways to earn points on the next page >
VIRGIN PULSE
member.virginpulse.com
888.671.9395
© Virgin Pulse 2021
support@virginpulse.com
262023
Benefits Guide
Highlighted ways to earn points: Look for How to Earn in your account for a complete list of all the
ways you can earn points.
Do healthy things Earn points
Complete registration 100
First login to mobile app 250
Connect first activity device 200
Getting started LabCorp Physician Form Completion1 250
Complete the Health Assessment2 REQUIRED
Complete your Biometric Lab Screening REQUIRED
Complete a Next-Steps Consult® appointment2 REQUIRED
Upload steps from your activity tracker (per 1,000 steps) 10
Do your Daily Cards (2 per day) 20
Track your Healthy Habits (3 per day) 10
Track sleep nightly 20
Daily Sleep > 7 hours in a night 50
Complete a RethinkCare session 20
Browse healthy recipes 10
Complete a step in Journeys® 20
Win the promoted Healthy Habit Challenge 200
Complete 20 Daily Cards in a month 200
Track Healthy Habits 20 days in a month 300
Track sleep 10 days in a month 100
Monthly
20-Day Triple Tracker: 7,000 steps/15 active minutes/15 workout minutes 400
Take validated measurements 250
Join the company challenge 100
Complete a coaching appointment (4x per month) 500
Choose your eating type 250
Quarterly Choose your sleep profile 250
Complete a Journey (3x per quarter) 250
Set a wellbeing goal 200
Complete the Nicotine-Free Agreement 100
Yearly Invite a colleague to join 50
Screening Results: BMI, Blood Pressure, Cholesterol, Glucose 50/each
1 Available only to those not enrolled in the medical plan
2 Required only for those enrolled in medical plan
and for non-medical earn 1000 points
Who’s eligible:
All employees are eligible to participate in the wellbeing program and earn rewards. Must be enrolled in
the company’s medical plan in order to earn incentives toward monthly medical premiums. If you join
the SFG medical plan during a qualifying life event the year following completion of points and priority
steps, reach out to HRbenefits@sfgmembers.com and we will review incentive eligibility.
Not a member yet?
Don’t miss out on all the fun! Get the mobile app
or go to join.virginpulse.com/SFG.
© Virgin Pulse 2022
27DENTAL PLANS DELTA DENTAL
OF S.D.
No Plan Provision 877.841.1478
Changes for 2023 www.deltadentalsd.com
Plan Features Core Plan Enhanced Plan Seeing an in-network dentist can save you money!
Calendar Year Deductible The “no balance billing” provisions for network
Individual $50 None
dentists reduces out-of-pocket costs for many
Family $150 None
Annual Benefit members.
$1,500 $2,000
Diagnostic and Preventative Services Out-of-network dentists may balance bill patients
Examinations and
for charges that are higher than Delta’s maximum
Cleanings (2 per year) 100% (no 100% (no
Fluoride (up to age 19) deductible) deductible) allowed charges for service.
X-rays
Routine and Restorative Services Dental benefits help maintain mouth’s health. Brush
Cavity Repair/Fillings
up on the 3 areas in which you save when you use
Tooth Extractions 80% after
90%
Oral Surgery and deductible your dental plan:
Emergency Treatment
Endodontic and Periodontics Save your smile: visiting the dentist can help save
Root Canals 50% after
Gum and Bone Disease deductible
80% you from cavities, gum disease, and other oral
Major Services health issues, and even catch them early before they
Cast Restorations worsen (and become more expensive). People with
50% after 80%
and Crowns
Bridges and Dentures
deductible
60% a dental plan are 70% more likely to visit the dentist
Braces (Orthodontics) than those that do not enroll.
50% up to
No coverage
maximum Save yourself stress: it’s easy to find a dentist
Orthodontia Lifetime Limit (per person)
$2,000 (annual who accepts our dental plan and who you are
N/A
limit of $1,000) comfortable visiting. Visit Delta Dental of South
Dakota’s website to search for in-network dentists.
Please refer to the Summary Plan Descriptions for a full description of
benefits.
Save money: our dental plan gives you access to
the reduced fees Delta Dental has negotiated with
Prevention Pays—We want to encourage everyone to
their in-network Dentists. If more expensive work
get their preventive cleanings each year, so in addition to
covering at no cost to you, these services will no longer is needed, you can work with your dentist to get a
count towards your annual benefit maximum! pre-treatment estimate to understand what the plan
covers and what additional costs to expect.
Health Through Oral Wellness—In order to support
better health for those fighting gum disease, tooth
decay, or those at risk for certain dental conditions, we Boost your savings even more
will provide additional cleanings, sealants, periodontal by brushing twice a day, flossing Please refer to
maintenance, fluoride, and more for those patients who the Summary
regularly, and eating and drinking of Benefits for a
need it. Talk to your dentist for more information or to
see if you qualify. less sugar. That’s a smile-winning full description
plan! of benefits.
282023
Benefits Guide
VISION PLAN VSP
800.877.7195
No Plan Provision Changes www.vsp.com
for 2023
You and your eyes deserve to be healthy and happy. Using Your Benefits is Easy
Enrolling in VSP Vision Care can create savings and you
will receive quality eye care and eyewear at low out-of- Create an account on vsp.com to view your
pocket costs. in-network coverage and find the VSP network
doctor who’s right for you.
Plan Feature 2023 Plan With access to over $3,000 in savings, discover
Copays VSP Exclusive Member Extras to maximize your
Exam $15 benefits and save even more.
Prescription Glasses $25 Print a Member Vision Card—if you’d like one.
Contacts None There’s no ID card necessary-just tell your
Covered in full provider you have VSP.
Exam every calendar year
after copay
Prescription Glasses Lenses You deserve personalized, affordable vision care,
Covered in full delivered with your overall well-being in mind.
Single vision, lined bifocal, and lined
every calendar year
trifocal lenses
after copay We’re committed to helping you experience a
Covered up to $150 lifetime of healthy vision: See well. Be Well.
every calendar year
Frames
(plus 20% off any out-
of-pocket costs)
Contacts Please Note
Allowance applies to the cost of
your lenses. If you choose contact You will not receive an ID card from VSP, nor is one
lenses, you will be eligible for a Covered up to $150 needed. Please have your SSN ready and available
frame 12 months from the date every calendar when visiting your provider. Claims should be
the contact lenses were obtained. handled by your provider, who will work directly
year when you
Current soft contact lens wearers
choose contacts with VSP once they identify if you are enrolled in
may qualify for a special contact
instead of glasses the plan.
lens program that includes a contact
lens evaluation and initial supply
of replacement lenses. Learn more
from your doctor or vsp.com.
Contact Lens Fitting and Evaluation
This exam is in addition to your Maximum charge of
vision exam to ensure proper fit $60
of contacts.
Additional discounts
for lens extras such as
scratch resistant and
anti-reflective coatings
and progressives.
Extra Discounts and Savings Please refer to
Discount off of
the Summary
additional prescription
of Benefits for a
glasses and sunglasses.
full description
Discounts on laser
of benefits.
corrective surgery.
29AFLAC SUPPLEMENTAL PLANS
Why choose Aflac? Individual Aflac plans supplement the group health plan offerings.
Aflac pays you cash, regardless of your enrollment in other insurance coverage. Your
Aflac coverage is portable and all rates are fixed (if coverage is continuous).
There are several plan offerings from which that you can choose and some of the offerings can cover your
family members as well as yourself.
Accident Indemnity Critical Illness Plans
Advantage Plan Plan pays a first-occurrence benefit as well as
Hospital Confinement and Continuing Care
Provides cash compensation in the event you benefits when you or a covered member of your
or a member of your family experiences an family experiences a covered critical illness.
accident/injury that requires treatment.
Covered specified health events include: heart
Wellness benefit provides compensation attack, stroke, end stage renal failure, organ
when you or a covered member of your transplant, third-degree burns, coma, and more.
family undergoes routine examinations or
preventative testing. Plan pays benefits when you or a covered
member of your family is confined to ICU.
Covers organ transplants.
Popular for maternity and newborn claims.
Cancer Care Plans
Plan pays a first-occurrence benefit as well
as hospital confinement, medical imaging,
radiation and chemotherapy, and other benefits
when you or one of your covered family
members are diagnosed with cancer.
Cancer Screening Wellness Benefit provides
compensation when you or a covered member
of your family undergo preventative cancer
screenings that test for the presence of cancer.
A cancer diagnosis is not required for this
benefit to be payable.
302023
Benefits Guide
Hospital Confinement
Plan pays a first-occurrence and daily hospital
confinement benefit in the event you or your
covered member of your family experiences an
illness or injury that results in a hospital stay.
Pays other benefits such as physician visits,
invasive diagnostic exams, and surgical benefits.
Popular for maternity planning.
Short-Term Disability
Paycheck protection from $500-$6,000/month
for up to three months.
With the exception of the Short-Term Disability
plan and the two lump sum plans, all Aflac
deductions are taken on a pre-tax basis. To
learn more about Aflac offerings and determine
rates, please contact the Aflac representative
for your location or visit AFLAC’s website,
www.aflac.com/Sammons Financial Group.
Aflac Contact Information
Sioux Falls: Pamela Kreber,
605.359.2593
Des Moines: Mary Bishop Campbell,
515.343.9920
Fargo: Sandra Strandlien,
701.730.2179
Chicago: Michael Strang,
708.606.4612
Please refer to
the Summary
of Benefits for a
full description
of benefits.
31You can also read
