SOPs

401(k)

Electing your 401(k) Deferrals →

Dental

How to find a Dentist →
How to Print a Delta ID Card →

Leave of Absence

LOA Guide for Managers →
LOA Guide for Team Members →
LOA Planning Tool

Medical

7 Reasons to Use Teladoc →
How to Find a Doctor →
How to Join myCigna →

Midyear Changes

How to Report a Qualifying Life Event →
Supporting Documentation for your QLE →
Reporting a Voluntary Benefit Change →

Savings/Spending Accounts

How to Change HSA Elections →
How to Invest your Fidelity HSA →
How to Change Dependent Care FSA Elections →
Spending with your HSA →
Spending with your FSA →

Tuition

Tuition Assistance Policy →
Tuition Assistance Team Member Checklist →

Wellness

Hydrate Your Health FAQs →

Workday

Beneficiary Change in Workday →
How to Add a Dependent SSN in Workday →
Changing Electronic Document Consent →
How to Complete your New Hire Benefit Elections →
Declaration of Domestic Partnership →

Tax Forms

Locating your Form 1095 →

HSA Match & IRS Limits	Maximum Niagara Match (Within IRS Contribution Amount)	Annual IRS Contribution Limit	Your Niagara Contribution Limit (IRS Limit - Match)
Individual	$500	$4,300	$3,800
Family	$1,000	$8,550	$7,550

Medical Plans	Cigna HSA	Cigna PPO	Cigna PPO High
Team Member Only Team Member + Spouse Team Member + Child(ren) Family	$36.00 $144.00 $70.00 $180.00	$74.00 $201.00 $138.00 $258.00	$102.00 $254.00 $191.00 $330.00

Dental Plans	PPO Low	PPO High
Team Member Only Team Member + Spouse Team Member + Child(ren) Family	$5.00 $12.00 $14.00 $21.00	$15.00 $30.00 $34.00 $51.00

Vision Plans	VSP Low	VSP High
Team Member Only Team Member + Spouse Team Member + Child(ren) Family	$2.76 $5.50 $5.89 $9.40	$4.57 $9.15 $9.83 $15.63

Medical Plan Details

Rising costs due to inflation and market dynamics have impacted many aspects of our lives, including healthcare. Medical insurance premiums will see an increase across all plans, but dental and vision remain the same.

Cigna HSA

Deductible

$1,750 (I) / $3,500 (F)
Out-of-Pocket Maximum

$5,000 (I) / $10,000 (F)
Company HSA Contribution

You will earn $0.50 on every $1 you set aside to a maximum Niagara Match of $250 Individual and $500 Family.
Per-pay-period Premiums

Team Member Only: $36.00
Team Member + Spouse: $144.00
Team Member + Child(ren): $70.00
Family: $180.00

Cigna PPO

Deductible

$2,500 (I) / $5,000 (F)
Out-of-Pocket Maximum

$5,000 (I) / $10,000 (F)
Company HSA Contribution

N/A
Per-pay-period Premiums

Team Member Only: $74.00
Team Member + Spouse: $201.00
Team Member + Child(ren): $138.00
Family: $258.00

Cigna PPO High

Deductible

$1,500 (I) / $3,000 (F)
Out-of-Pocket Maximum

$4,000 (I) / $8,000 (F)
Company HSA Contribution

N/A
Per-pay-period Premiums

Team Member Only: $102.00
Team Member + Spouse: $254.00
Team Member + Child(ren): $191.00
Family: $330.00

Cigna HSA

Preventive Care →

Plan pays 100%
Preventive Dermatology

Plan pays 100%
Preventive 3D Mammogram

Plan pays 100%
Preventive Breast Ultrasound

Plan pays 100%

Cigna PPO

Preventive Care →

Plan pays 100%
Preventive Dermatology

Plan pays 100%
Preventive 3D Mammogram

Plan pays 100%
Preventive Breast Ultrasound

Plan pays 100%

Cigna PPO High

Preventive Care →

Plan pays 100%
Preventive Dermatology

Plan pays 100%
Preventive 3D Mammogram

Plan pays 100%
Preventive Breast Ultrasound

Plan pays 100%

Cigna HSA

Primary Care

You pay 20% after deductible
Specialist Visit

You pay 20% after deductible
Teladoc Urgent Care

You pay a $30 copay
Teladoc Primary Care

1 Free Wellness Visit + 20% after deductible for non preventive
Urgent Care

You pay 20% after deductible
Emergency Room

You pay 20% after deductible

Cigna PPO

Primary Care

First 3 visits $0 copay, then $30 per visit
Specialist Visit

You pay a $40 copay
Teladoc Urgent Care

You pay a $30 copay
Teladoc Primary Care

First 3 visits $0 copay, then $30 copay per visit
Urgent Care

You pay a $40 copay
Emergency Room

You pay 20% after a $150 copay

Cigna PPO High

Primary Care

First 3 visits $0 copay, then $30 per visit
Specialist Visit

You pay a $40 copay
Teladoc Urgent Care

You pay a $30 copay
Teladoc Primary Care

First 3 visits $0 copay, then $30 copay per visit
Urgent Care

You pay a $40 copay
Emergency Room

You pay 20% after a $150 copay

Cigna HSA

Separate Pharmacy Deductible

Medical + Pharmacy Deductible* $1,750 (I) /$3,500 (F)**
Generic Preventive Medication

$0 copay
Generic

$15 after deductible; $30 after deductible (mail order)
Formulary/Brand

$30 after deductible; $60 after deductible (mail order)
Non-Formulary Brand

$60 after deductible; $120 after deductible (mail order)
Specialty

20% ($150 maximum) after deductible

Cigna PPO

Separate Pharmacy Deductible

$200 (I) / $600 (F)
Generic Preventive Medication

$0 Copay
Generic

$10 after deductible; $20 after deductible (mail order)
Formulary/Brand

$35 after deductible; $70 after deductible (mail order)
Non-Formulary Brand

$60 after deductible; $120 after deductible (mail order)
Specialty

20% ($150 maximum) after deductible

Cigna PPO High

Separate Pharmacy Deductible

None
Generic Preventive Medication

$0 copay
Generic

$5; $10 (mail order)
Formulary/Brand

$25; $50 (mail order)
Non-Formulary Brand

$60; $120 (mail order)
Specialty

20% ($150 maximum)

*For the Cigna HSA, all medical and prescription drug expenses apply to the Plan Deductible.
**Family deductible applies when you cover yourself plus one or more family members

Teladoc

Virtual Primary Care (VPCP) is available through Teladoc!

At Niagara, our goal is to provide greater access to care no matter where you or your family may live.

With Teladoc VPCP, you have access to quality health care outside of your local hometown. If you are looking for convenient access to care, consider a Teladoc VPCP. You have the option to choose a board-certified PCP who’s right for you, and they’ll guide you the rest of the way.

24/7 Urgent Care is still available!

While establishing a Primary Care Provider is important, we understand that sometimes access to care is urgent.

Through Teladoc’s 24/7 Urgent Care, you and your family may receive care immediately when the time calls for it. Teladoc 24/7 Urgent Care provides around-the-clock access to medical care by phone or video consultations, in all 50 U.S. states.

Typically, you can expect a call within one hour of your appointment request and receive care without leaving the comfort of your home. Teladoc doctors can diagnose and treat many common health issues, including cold and flu symptoms, pink eye, eczema, and more.

Get started →

Meet ALEX!

Your personal benefits counselor.

ALEX is an interactive decision support tool that acts as an informative, virtual benefits counselor to help you learn more about Niagara’s benefits!

ALEX uses information you provide to help you make choices tailored to your needs and the needs of your family.

Get started →

Am I Eligible for Medicare?

Medicare and You →
Apply for Medicare Online →
Medicare Coordination →

Medicare is available to individuals age 65 and older. You can start the application process 3 months before the month in which you turn 65.

You’ll be able to keep his current providers, as long as they are participating in the Medicare program. Medical providers, suppliers and groups must enroll in the Medicare program to be eligible for payments for Medicare-approved services. To find out if your provider is participating, call you provider directly. Your provider will fall into one of three categories:

Participating providers accept Medicare and always take assignment. Taking assignment means that the provider accepts Medicare’s approved amount for health care services as full payment.

Non-participating providers accept Medicare but do not agree to take assignment in all cases (they may on a case-by-case basis). This means that while non-participating providers have signed up to accept Medicare insurance, they do not accept Medicare’s approved amount for health care services as full payment.

Opt-out providers do not accept Medicare at all and have signed an agreement to be excluded from the Medicare program. This means they can charge whatever they want for services but must follow certain rules to do so.

After confirming you provider’s status, you should start the application process and set up your account with the Centers for Medicare & Medicaid Services (CMS). Once you’re ready to apply, you’ll need the following information on hand, before you begin the online application process:

Date and Place of Birth If they were born outside the United States or its territories:

• Name of birth country at the time of their birth (it may have a different name now)

• Permanent Resident Card number (if they are not a U.S citizen)

Current Health Insurance

• Employment start and end dates for their current employer who provides them health insurance coverage through a Group Health Plan

• Start and end dates for the Group Health Insurance provided by their current employer

First you will need to create a my Social Security account if you don’t have one already at: https://www.ssa.gov/myaccount/ (This will allow you to check on your application and access your personal information).

Once you have your account established, go to: https://www.ssa.gov/benefits/medicare/ to actually apply.
Once there, scroll down to select the blue button “Apply for Medicare Only" button
Apply and complete the application (which normally takes 10 to 30 minutes).
Select “Submit Now” to send your application electronically.
Print/Save your receipt / confirmation page and application number.
(You can always go back to your my Social Security account to check status with this info)

After enrollment, you will be mailed a letter with the determination and how to proceed. The reprepresentatives at CMS will take you through the whole process from that point forward.

When can I apply?

You can start the application process 3 months before the month you turn 65. This includes the month you turn age 65 and ends three months after that birthday. Avoid enrolling late, as it will make you subject to penalties (part-b-late-enrollment-penalty & part-a-late-enrollment-penalty).

Will I be able to keep my current providers?

You may be able to keep your current providers as long as they too are participating in the Medicare program. Medical providers, suppliers and groups must enroll in the Medicare program to be eligible for payments for Medicare-approved services. A suggested way to start-off would be by reaching out to each of your providers to ask them to confirm if they are enrolled. You may come to discover they will fall in to one of 3 categories of providers:

Participating providers accept Medicare and always take assignment. Taking assignment means that the provider accepts Medicare’s approved amount for health care services as full payment.

Non-participating providers accept Medicare but do not agree to take assignment in all cases (they may on a case-by-case basis). This means that while non-participating providers have signed up to accept Medicare insurance, they do not accept Medicare’s approved amount for health care services as full payment.

Opt-out providers do not accept Medicare at all and have signed an agreement to be excluded from the Medicare program. This means they can charge whatever they want for services but must follow certain rules to do so.

Once you've gone through the application process and the Centers for Medicare & Medicaid Services finalize your application / account, and it comes time to choose a plan and other options, CMS will be able to verify if the providers are participating or if you may have to search for new ones.

Where can I find more detailed information about applying and how Medicare works?

Please consider downloading and reading the useful digital guides provided (below?) before applying for Medicare.

How do I get started once I am eligible and ready to apply?

One you are ready to apply, you'll need the following information on hand, before you begin the online application process:

Date and Place of Birth If they were born outside the United States or its territories:

• Name of birth country at the time of their birth (it may have a different name now)

• Permanent Resident Card number (if they are not a U.S citizen)

Current Health Insurance

• Employment start and end dates for their current employer who provides them health insurance coverage through a Group Health Plan

• Start and end dates for the Group Health Insurance provided by their current employer

First you'll have to create a my Social Security account if you don't have one already at: https://www.ssa.gov/myaccount/ (this will be the way you can check on your application and personal info and data, later as well)

Then you'll need to go to: https://www.ssa.gov/benefits/medicare/ to actually apply.

Once there, scroll down to select the blue button “Apply for Medicare Only" button
Apply and complete the application (which normally takes 10 to 30 minutes).
Select “Submit Now” to send your application electronically.
Print/Save your receipt / confirmation page and application number.
(you can always go back to your my Social Security account to check status with this info)

You'll eventually be mailed a letter with the determination and how to proceed. The reps at CMS will take you through the whole process from that point forward.

Cigna Preventive Services & Prescription Drugs

Preventive Services are covered at 100% as long as you seek services from an in-network provider and your service is billed as routine/preventive. Both must be true for Cigna to process the claim at 100%.

When you make an appointment, be clear that you’re seeking preventive services. Talk with your physician during your appointment to ensure you are billed correctly. If they bill with an existing or new diagnosis, you will be charged for an office visit.

If you receive a bill for any portion of your preventive exam or labs, contact the Piper Jordan Claims Advocacy team for help!

Medical Services covered at 100% (follows US Preventive Task Force)	Generic Prescriptions covered at $0 Copay (Prime Therapeutics Preventive Rx List)
Routine Annual Physical	Low dose statin medications (cholesterol)
Well Woman Exams	Blood Pressure medications
Well Child Exams	Tobacco Cessation medications
Colon Screening	Oral contraceptives
Breast Screening (including 3D mammogram & breast ultrasound)	Antiasthmatics (asthma treatment)
Prostate Screening	Anticoagulants
Labs (cholesterol, blood sugar, etc.)	Antihyperglycemics (diabetic medications)
Preventive Dermatology	Antivirals

Cigna HSA

Summary of Benefits and Coverage →
Benefits Booklet →
Transition of Care Form →

Cigna PPO

Summary of Benefits and Coverage
Benefits Booklet →
How to Find a Doctor →

Prime Therapeutics

Important 2025 Changes

Changes to your Pharmacy Benefit Copays and Maximums

Due to the rising costs of prescription drugs, we’re making a few changes to pharmacy benefit copays and maximums. We understand that any change can be challenging, but these adjustments help us continue to offer the highest level of care for you and your family.

Pharmacy Benefit Changes*	Cigna HSA	Cigna PPO	Cigna PPO High
Non-Preferred Brand Tier	$60 after deductible; $120 after deductible (mail order)	$60 after deductible; $120 after deductible (mail order)	$60; $120 (mail order)
Specialty Tier	20% ($150 maximum) after deductible	20% ($150 maximum) after deductible	20% ($150 maximum)

MagellanRx is now Prime Therapeutics No action required!

Prime Therapeutics has recently acquired MagellanRx.
The information on the back of your Cigna ID card and your current pharmacy has not changed.

Cigna HSA

Separate Pharmacy Deductible

Medical + Pharmacy Deductible* $1,750 (I) /$3,500 (F)**
Generic Preventive Medication

$0 copay
Generic

$15 after deductible; $30 after deductible (mail order)
Formulary/Brand

$30 after deductible; $60 after deductible (mail order)
Non-Formulary Brand

$60 after deductible; $120 after deductible (mail order)
Specialty

20% ($150 maximum) after deductible

Cigna PPO

Separate Pharmacy Deductible

$200 (I) / $600 (F)
Generic Preventive Medication

$0 Copay
Generic

$10 after deductible; $20 after deductible (mail order)
Formulary/Brand

$35 after deductible; $70 after deductible (mail order)
Non-Formulary Brand

$60 after deductible; $120 after deductible (mail order)
Specialty

20% ($150 maximum) after deductible

Cigna PPO High

Separate Pharmacy Deductible

None
Generic Preventive Medication

$0 copay
Generic

$5; $10 (mail order)
Formulary/Brand

$25; $50 (mail order)
Non-Formulary Brand

$60; $120 (mail order)
Specialty

20% ($150 maximum)

*For the Cigna HSA, all medical and prescription drug expenses apply to the Plan Deductible.
**Family deductible applies when you cover yourself plus one or more family members

Using your Rx Plan

Your pharmacy benefit is included on your new Cigna ID Card.

Just present your new Cigna ID card along with your medication prescription to any of the 35,000+ retail pharmacies in Prime Therapeutics’s network every time you fill your prescription.

Coverage for your 90-day supply of prescription drugs is available at all pharmacies except Walgreens. You can also receive these prescriptions through the Mail Order program.

Generic Preventive Medication

Use Generic Preventive Medication for treatment of Asthma, Diabetes, High Blood Pressure, High Cholesterol, Contraceptives and More.

To view a list of these medications, click here.

Prime Therapeutics

855-371-9782

Login now →

Delta Dental

800-422-4234

Login now →

Dental Plan Details

PPO Low

Deductible

$50(I) / $150(F)
Calendar Year Maximum

$1,750/person
Per-pay-period Premiums

Team Member Only: $5.00
Team Member + Spouse: $12.00
Team Member + Child(ren): $14.00
Family: $21.00

PPO High

Deductible

$50(I) / $150(F)
Calendar Year Maximum

$3,000/person
Per-pay-period Premiums

Team Member Only: $15.00
Team Member + Spouse: $30.00
Team Member + Child(ren): $34.00
Family: $51.00

PPO Low

Diagnostic & Preventive

None
Cleanings per Year

3
Basic Services

You pay 20%
Major Services

You pay 50%

PPO High

Diagnostic & Preventive

None
Cleanings per Year

3
Basic Services

You pay 20%
Major Services

You pay 50%

PPO Low

Orthodontic Services

Plan pays 50% for dependent children up to age 26
Orthodontia Lifetime Max

Up to $1,000/person

PPO High

Orthodontic Services

Plan pays 50% for all members
Orthodontia Lifetime Max

Up to $2,000/person

Vision Plan Details

VSP Low

Copay

$15 exam; $25 materials; Exam once every calendar year
Primary Eyecare

$10 copay
WellVision Exam

Covered in full after copay
Per-pay-period Premiums

Team Member Only: $2.76
Team Member + Spouse: $5.50
Team Member + Child(ren): $5.89
Family: $9.40

VSP High

Copay

$0 exam; $10 materials; Exam once every calendar year
Primary Eyecare

$10 copay
WellVision Exam

Covered in full after copay
Per-pay-period Premiums

Team Member Only: $4.57
Team Member + Spouse: $9.15
Team Member + Child(ren): $9.83
Family: $15.63

VSP Low

Lenses

Covered in full after copay; Once every calendar year
Frames

Covered in full up to the retail allowance of $130; Once every 24 months
Contacts Lens Fitting & Evaluation

Up to $60 copay
Contacts Allowance

$125 allowance; Once every Calendar Year
Suncare

Covered up to $130

VSP High

Lenses

Covered in full after copay; Once every calendar year
Frames

Covered in full up to the retail allowance of $250; Once every calendar year
Contacts Lens Fitting & Evaluation

Up to $60 copay
Contacts Allowance

$200 allowance; Once every Calendar Year
Suncare

Covered up to $180

VSP Vision Care

800-877-7195

Login now →

Life/AD&D - Unum

800-445-0402

Login now →

Long-Term Disability - Unum

866-679-3054

Login now →

HSA/FSA Plan Details

Health Savings Account

A health savings account (HSA) is a medical savings account that allows you to use pre-tax contributions from your paycheck to cover eligible health care expenses, tax-free.

You’ll earn a $0.50 Niagara HSA match on every $1 you set aside in your HSA up to a maximum match of $500 individual / $1,000 family.

Annual Contribution Limit

Individual: 4,300 | Family: 8,550
Maximum Niagara Match
(within IRS contribution limits)

Individual: $500 | Family: 1,000

Flexible Spending Account

A flexible spending account (FSA) is a reimbursement account, funded by pre-tax contributions from your paycheck, that allows you to pay for eligible expenses on a pre-tax basis.

FSA funds not spent by the end of the calendar year do not roll over – choose the annual amount of your FSA contributions carefully!

Medical FSA

A medical FSA covers general-purpose health expenses and can be used for qualified expenses such as prescription drugs, insurance copayments and deductibles, and medical devices.

Eligibility: Team Members NOT enrolled in the PPO w/HSA plan

Dates to Incur Expenses:
2023: 1/1/23 - 3/15/24
2024: 1/1/24 - 3/15/25

Annual IRS Maximum: $3,300

Limited-Purpose FSA

A limited medical FSA covers qualifying dental, vision, and preventive care expenses and can be paired with a high-deductible health plan (HDHP) and a health savings account (HSA).

Eligibility: Team Members who ARE enrolled in the PPO w/HSA plan

Dates to Incur Expenses:
2023: 1/1/23 - 3/15/24
2024: 1/1/24 - 3/15/25

Annual IRS Maximum: $3,300

Dependent Care FSA

A DCFSA helps participants save money on eligible dependent care services, such as child (up to age 13) or adult daycare, before or after school programs, summer day camp, and more!

Eligibility: All Team Members

Dates to Incur Expenses:
2023: 1/1/23 - 12/31/23
2024: 1/1/2024 - 12/31/2024

Annual IRS Maximum: $5,000

HSA - Fidelity

866-402-7610

Login now →

FSA - Fidelity

866-402-7610

Login now →

Life & Disability Plan Details

Long-Term Disability (LTD)

What is changing?

Niagara continues to offer the 60% income replacement LTD plan, however, premium costs are increasing. Due to this increase in costs, we are adding an alternative, lower cost LTD plan, covering 50% income replacement, at nearly the same or lower cost than the current plan.

If you are currently enrolled, your election in the 60% LTD plan will carryover to 2025. If you wish to lower your costs, choose the 50% option during Open Enrollment.

Will I need Evidence of Insurability (EOI)?

You will need to provide EOI if:
✓ You are a new enrollee to either plan.
✓ You choose to increase coverage in the future (50% to 60%).

LTD benefits pick up where STD leaves off. Your monthly benefit amount is calculated based on your pre-disability earnings (including regular wages and commissions) but does not include awards, bonuses, overtime pay, or other payments up to $15,000.

LTD Pre-Existing Conditions
You will be considered to have a pre-existing condition if: you received medical treatment, consultation, care, or services, including diagnostic measures, or were prescribed drugs or medicines in the three months just prior to your effective date of coverage; or the disability begins in the first three months after your effective date of coverage unless you have been treatment-free for 12 consecutive months after your effective date of coverage.

Basic Life and AD&D

Provided by Niagara at no cost to you!

Current Team Members

Niagara pays for your Basic Life and AD&D coverage.
Newly-Hired Team Members

Niagara pays for your Basic Life and AD&D coverage.

Team Member Supp Life and AD&D

Offered through Unum

You may elect coverage in $10,000 increments up to a maximum of six times your base pay, up to $300,000, without being required to provide evidence of insurability (EOI).

If you elect a coverage amount between $300,000 and $1,000,000, you will be subject to EOI.

Dependent Life and AD&D

Offered through Unum!

You must currently be enrolled in Supplemental Life and AD&D in order to elect coverage for a spouse/domestic partner or child.

Child Life and AD&D

Up to $10,000.
Guaranteed Issue

(applies to both Life plans)

Short-term Disability

Offered through Unum!

All active, Full-Time Team Members are automatically enrolled in STD at no additional cost, provided they reside in a state other than those that have state-mandated disability benefits (CA, NY, NJ, RI, HI and PR).

Team Members who are eligible for state-mandated disability benefits will be covered under those state plans for STD. State-mandated STD benefits will vary by state. Please refer to each state’s disability website for additional information.

Receive 60% of your weekly pre-disability earnings to a maximum benefit of $1,500 per week.

FMLA

Offered through Unum!

Life doesn't always give you a heads up, and sometimes you have no choice but to face a challenge head-on.

This law, and its associated regulations, entitle eligible Team Members of covered employers to take unpaid, job-protected leave for specified family and medical reasons.

The Team Member must be restored to employment and be provided with continuation of group health insurance coverage under the same terms and conditions as if the Team Member had not taken leave.

LOA Planning Tool

NIAGARA WATER permits INSURERS to offer Team Members of NIAGARA WATER certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. NIAGARA WATER does not make a contribution towards the cost of these programs and Team Members pay the full cost of premiums on an after-tax basis. NIAGARA WATER does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. NIAGARA WATER'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to Team Members to publicize these programs and NIAGARA WATER may perform certain ministerial functions such as payroll deduction and forwarding Team Member premium payments to the insurer. NIAGARA WATER does not receive any consideration in the form of cash or otherwise in connection with the program, other than reasonable compensation, excluding any profit, for administrative services actually rendered in connection with payroll deductions. Accordingly, these voluntary insurance programs are not subject to ERISA and related regulations. All questions or claims regarding these programs should be directed to the insurer.

The Niagara 401(k) Plan Details

Niagara Water Retirement Plan

The Niagara 401(k) Retirement Plan through Fidelity Investments helps you save for a secure and well-funded future through pre-tax or after-tax (Roth) contributions and a company match. You are eligible to participate in the 401(k) plan on the first of the month after 30 days of active, full-time employment, as long as you are at least 18 years of age. You can make changes to your plan at any time during the year by visiting Fidelity's website.

Niagara accepts roll overs from other qualified plans. Want to roll over funds from a previous account? Contact Fidelity at 800-835-5097.

IRS Pre-Tax/Roth Contribution Limit

$23,500
IRS Catch-Up Contribution Limit

$7,500*

*For Team Members turning age 60-63, the 2025 Catchup Limit is $11,250. Workday will automatically continue deductions until the limit is reached. Catch-up Contributions are 401k Match eligible.
Niagara Match

Niagara matches $0.33 on every $1 up to 6% of your gross compensation starting first of the month following 30 days of service.

Niagara Contribution Match

Don't miss out on free money!

Niagara matches your pre-tax and Roth contributions starting first of the month following 30 days of service.

You are required to contribute to the plan to receive the Niagara 401(k) match.

Your matching contributions become vested after 1 year of employment. On your 1st anniversary, all past and future matching contributions become 100% vested.

Don’t forget, your personal contributions to the 401(k) are always 100% vested!

Financial Wellness

Fidelity has offered self-paced videos to help support your Financial Wellness. From saving for your future, investing, creating a budget, and much more! View these bite-sized videos to help support your Financial Health.

View videos →
*We recommend using Google Chrome to view these videos

Flexible Spending Account

An FSA saves you money by reducing your income taxes. You must choose how much to contribute each year, up to the stated limit. Your FSA contributions are automatically deducted from your pay BEFORE any taxes are calculated, and are not reported as income to the IRS. The FSA plan is effective January 1 to December 31 (calendar year).

Existing Team Members may enroll during Open Enrollment. New Hires must fulfill their eligibility requirements prior to enrolling.

Product Highlights

✓ Contributions are pre-tax and are automatically deducted

✓ Funds do not rollover from year-to-year

PayFlex

Life and Accidental Death & Personal Loss

With this coverage, you can deliver peace of mind to your family in the event of your unexpected death.

Product Highlights

✓ Receive up to 2x your annual salary up to a maximum of $250,000

✓ Living Benefit allows you to collect 80% of your policy while living in the event you are diagnosed with a terminal illness

✓ You may be able to keep coverage if you leave the company, retire or change the amount of hours you work

Short-Term Disability

If you’re suddenly unable to earn a paycheck due to illness or an accident, short term disability insurance through your employer can replace a portion of your income during the initial weeks of your disability.

Product Highlights

✓ Receive a portion of your salary for 25 weeks

✓ Off-the-job coverage

Long-Term Disability

Long term disability insurance through your employer can provide a steady stream of income to help cover essential expenses during an extended illness or after a disabling accident.

Product Highlights

✓ Offers additional coverage beyond your initial Short-Term disability coverage

Work/Life Benefits Details

Mental Well-being with Lyra

With Lyra, your members receive support beyond 1-1 sessions with their provider, as they build and practice resiliency skills to meet the challenges of their daily lives. With 24/7 access to personalized digital exercises and direct messaging with their provider, members get better faster.

Access up to 12 counseling sessions per year per person.

Product Highlights

✓ Receive free counseling sessions with a licensed counselor

Accident

Accident Insurance helps you protect against the financial burden that accident-related costs can create. Accident Insurance from Unum complements other benefits, including traditional healthcare insurance.

Coverage from Unum provides benefits for more than 80 accidental injuries, related expenses and treatments spanning multiple medical categories.

Discount Programs

LA Fitness →

WorkingAdvantage Discounts →
Company Code: 973455836

Enterprise & National Car Discount→
Personal rental car scroll to the bottom

AT&T Discount →
Verizon Discount →
Microsoft Discount →
Hearing & Vision Discount →
Rocket Mortgage Discount →
Learning Care Group Daycare Services →

Critical Illness

Life can be tough sometimes, and nobody knows what lies ahead. Critical Illness coverage helps bring peace of mind through financial protection in the event that you are diagnosed with a critical illness such as cancer, or you suffer a heart attack, stroke, or other life-threatening condition or illness.

Product Highlights

✓ Protects you and your family

✓ No waiting period

✓ Benefits paid directly to you

LegalShield

LegalShield offers Legal and Identity Theft voluntary benefits including unlimited legal advice, letters, will preparation, living will, health care directive, traffic issues, trial defense, IRS audit services, 24/7 emergency access and more.

Identity Theft includes: Credit Report, Daily Credit Monitoring, and more.

Product Highlights

✓ Access to a network of attorneys

✓ Credit monitoring, reports & more

Benefits Information Site →

Discounted Airport Parking

Download The Parking Spot app on Apple or Android and use Nia6485 as your "company code" during registration. This will give you access to the Niagara discounts.

Product Highlights

✓ Discounts on airport parking for all Niagara team members

Sign up

Corepower Yoga Discount

Benefit from and receive 20% off of our membership and 10 class packages. Only available in Orange County, CA.

Learn more

Progyny

888-597-5065

Login now →

Fidelity

800-835-5097

Login now →

Accident - Unum

800-635-5597

Login now →

Legal/Identity Theft - LegalShield

800-654-7757

Login now →

Pet Discount

888-789-7387

Login now →

Employee Discounts

800-565-3712

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Critical Illness - Chubb

833-542-2013

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Mental Well-being

877-782-4724

Login now →

Family-Friendly Benefits Details

Enhanced Fertility Through Progyny!

This benefit provides coverage for fertility preservation (egg or sperm freezing), which allows you to build a family when you’re ready.
Team Members have access to Enhanced Fertility benefits through Progyny. Up to 4 Smart Cycles™!

Other options include IVF Fresh Cycle, IVF Freeze-All, Frozen Embryo Transfer, Intrauterine Insemination, Timed Intercourse, and more!

Login now →
or call 844-470-1752 to sign up.

Adoption, Surrogacy, and Doula Benefits

Sometimes starting a family through natural birth just isn't in the cards. However, we've teamed up with Progyny to offer an Adoption Assistance benefit to help make starting your family a little bit easier.
Niagara offers a $10,000 Adoption, $10,000 Surrogacy, and $5,000 Doula Reimbursement benefit.

Login now →
or call 844-470-1752 to sign up.

MilkStork

Are you a Niagara road warrior and a nursing mom? With Milk Stork, nursing Niagara moms can travel for work with confidence, knowing your baby is getting all the proven benefits of your milk, by shipping from anywhere in the world.

Login now →

Pet Discount Plans

PETplus Rx Plan

PETplus Prescription Savings Plan will save you money on the products your pets are already using. You will receive wholesale prices on brand name prescriptions, preventives and more.

Pet Assure Plan

Pet Assure members save 25% on all medical services provided by any one of Pet Assure’s thousands of participating providers. Pet Assure is not insurance and all pets are eligible, regardless of type, age, breed, or health condition.

Tuition Assistance

This program is offered as a benefit to Niagara Team Members and any reimbursement made pursuant to it shall be made at Niagara’s discretion.

If you are interested in applying for this program and you have completed 12 months of service with Niagara, click here to view the Tuition Assistance Policy and Tuition Assistance Application.

College Savings Plan

We are offering Team Members and their family members the opportunity to participate in a Section 529 College Savings Plan through Fidelity.

This plan is a tax-advantaged way to save for college and college-related expenses for your children, grandchildren, or even yourself with no annual contribution limits. The 529 Plan allows for investments to grow tax free. Paper enrollment is required for this benefit.

Scholarship Program

The Andrew D. Peykoff, Sr. Scholarship Program offers tuition assistance to dependents of Niagara Team Members who are continuing their education in college or vocational school programs.

The application window is from December 1 to March 1 each year. Recipients are selected based on academic performance, school and community involvement, statement of academic and career goals, and more. The Program is administered by Scholarship America, the nation’s largest designer and manager of scholarship, tuition assistance, and other education support programs for corporations, foundations, associations, and individuals.

**You will need to access the link either at a Niagara location or via VPN.

Learn more →

Learning Care Group Daycare Discount

Niagara cares about you! This partnership with Learning Care Group entitles you to an exclusive discount for ages 6 weeks old – 12 yrs old. Get 10% tuition savings + your first year registration waived!

Learning Care Group Daycare Services Information →

Wellness Program Details

Hydrate your Health

Team Members and participating Spouse/Domestic Partners covered by a Niagara medical plan as of 1/1/2021 may voluntarily participate in the Hydrate Your Health Program. For Team Members, your participation helps you avoid paying the Wellness Surcharge, an additional medical premium beginning in May 2021. The surcharge is $40 per paycheck for team members. There will not be a surcharge for spouses in 2021, but spouses are encouraged to participate.

A wellness surcharge of $40/pay period will apply to Team Members if the following actions are not taken by the deadlines:

Complete a Personal Health Questionnaire (PHQ) an online, confidential questionnaire through Virgin Pulse (between 12/15/20-2/28/21).
Participate in a Biometric Health Screening at a participating Quest Diagnostics Lab or an At Home Self Collection test kit (between 12/15/20-2/28/21).
During the Biometric Screening, participate in a Nicotine Test and test negative for nicotine use.

OR you may choose NOT to participate in the Biometric Screening and instead choose to complete 4 Wellness Coaching sessions through Virgin Pulse.

Get started →

Wellness Update Video →
Biometric Screening Announcement →
FAQs →

	Activity #1: PHQ	Activity #2: Biometric Screening OR Coaching
Activity	PHQ Online Questionnaire	Option 1: Quest Patient Service Center Lab	Option 2: At Home Self-Collection Test Kit	Option 3: Complete 4 Wellness Coaching Sessions
Deadline	Complete between 12/15/2020 - 2/28/2021	Complete between 12/15/20 - 2/28/2021		Complete between 12/15/2020 - 5/4/2021 to avoid surcharges; complete by 9/30 to earn a refund

Rewards for participating in a wellness program are available to all eligible Team Members/spouses. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by a different means. Contact the Benefits Department. We will work with you (and, if you wish, with your doctor) to develop another way to qualify for the reward.

LifeWorks Team Member Assistance Program

Get immediate access to specialized professionals in counseling, social work, human services and psychology. You have access to the LifeWorks network of thousands of master’s level counselors and affiliates.

Benefit Features

✓ Get support with financial and legal issues

✓ Receive 5 free appointments included in your Niagara benefits

✓ Enjoy hassle-free scheduling with LifeWork's easy-to-use app

Get started

Know Where to Go

Use this table to help you understand where to go for medical care based on your needs, from free nurse advice to emergency room visits.

It guides you on when to use services like online doctor visits, office appointments, urgent care,
or the ER, so you can choose the best and most cost-effective option for your situation.

NurseLine

855-673-3063

Free with Cigna Medical

24/7 answers by phone from a nurse

Identify symptoms
Decide if immediate care is needed
Home treatment options and advice

Online Primary Care

$ Consider Teladoc

24/7 doctor consultation, no appointment needed

Urgent care conditions
Allergies
Insect bites
Mental health counseling
Conjunctivitis (pinkeye)
Sore throat
Rashes without fever
Sinusitis
Urinary tract infections

Online Urgent Care

$ Consider Teladoc

Conditions requiring prompt attention and can be treated remotely

Animal bites
Fever with no rash
Vomiting/persistent diarrhea
Abdominal pain
Wheezing/shortness of breath
Dehydration
Moderate cold/flu symptoms

Office Visit

$$

Scheduled Appointment

Preventive care
Illnesses
Injuries
Chronic conditions
Mental health concerns

Traditional Urgent Care

$$$

Conditions requiring prompt attention

Stitches for small cuts
Sprains/strains
Animal bites
Minor burns
Fever with no rash
Vomiting/persistent diarrhea
Abdominal pain
Wheezing/shortness of breath
Dehydration
Moderate cold/flu symptoms
Sports injuries

Emergency Room

$$$$

Life-threatening conditions requiring immediate care

Chest pain or difficulty breathing
Weakness/numbness on one side
Severe cold or flu symptoms
Severe lacerations
Slurred speech
Severe abdominal pain
Broken bones/dislocated joints
Serious burns
Fever with rash
Fainting/seizures
Head/eye injuries
Facial lacerations
Vaginal bleeding in pregnancy

LifeWorks

Compliance Notices

Compliance Document
Locating your 2018 Form 1095
Medicare Part D Notice
COBRA rates

Teladoc Details

Virtual Primary Care

Virtual Primary Care (VPCP) Visit

24/7 Urgent Care

24/7 Urgent Care Visit

Medical Documents

Cigna HSA

Summary of Benefits and Coverage (SBC)

Plan Booklet

Other Documents

Cigna PPO

Summary of Benefits and Coverage (SBC)

Plan Booklet

Other Documents

Cigna PPO High

Summary of Benefits and Coverage (SBC)

Plan Booklet

Other Documents

Other Documents

Prime Therapeutics Prescription Drug Plan

Prescription Drug Documents

Prime Therapeutics Prescription Drug Plan

HSA/FSA Documents

Health Savings Account

Flexible Spending Account

Dental Documents

PPO Low

Benefit Summaries

Other

PPO High

Benefit Summaries

Other

Vision Documents

VSP Low

Benefit Summaries

Other

VSP High

Benefit Summaries

Other

Life & Disability Documents

Life and AD&D

Benefit Summaries

Other Documents

Leave of Absence

Short-term Disability

Other Documents

Long-term Disability

Benefit Summaries

Other Documents

Work/Life Documents

Discount Programs

Other discounts through various providers:

Critical Illness Plan

Lyra Mental Well-being

Accident Plan

LegalShield & Identity Theft

Family-Friendly Benefits Documents

Progyny Fertility

Helpful Links

Helpful Documents

Progyny Adoption, Surrogacy, & Doula Reimbursement

MilkStork

Veterinary Discount Plans

College Planning

401(k) Documents

401(k) by Fidelity

COBRA, Compliance & Medicare

Consolidated Omnibus Budget Reconciliation Act (COBRA)

Medicare Documents

Compliance Documents

Summary Annual Report

Wellness Documents

Hydrate your Health Wellness

SOPs

401(k)

Dental

Leave of Absence

Medical

Midyear Changes

Savings/Spending Accounts

Great News!
We’re DOUBLING the HSA Match!