Medical
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Aetna PPO w/HSA
Deductible
$1,750 (Individual) / $3,000 (Family)
Preventive Care
You are provided Preventive Care at 100% covered.
Out-of-Pocket Maximum
$5,000 (Individual) / $10,000 (Family)
Primary Care Visit
20% after deductible is met.
Specialist Visit
20% after deductible is met.
Urgent Care
20% after deductible is met.
Inpatient Hospital
20% after deductible is met.
Emergency Room
20% after deductible is met.
Aetna HMO Low
Deductible
$1,500 (Individual) / $3,000 (Family)
Preventive Care
You are provided Preventive Care at 100% covered.
Out-of-Pocket Maximum
$3,500 (Individual) / $7,000 (Family)
Primary Care Visit
$25 copay
Specialist Visit
$40 copay; deductible waived
Urgent Care
$25 copay; deductible waived
Inpatient Hospital
10% after deductible
Emergency Room
$150 copay; after deductible (waived if admitted)
Aetna PPO
Deductible
$2,500 (Individual) / $5,000 (Family)
Preventive Care
You are provided Preventive Care at 100% covered.
Out-of-Pocket Maximum
$5,000 (Individual) / $10,000 (Family)
Primary Care Visit
$40 copay
Specialist Visit
$40 copay
Urgent Care
$40 copay
Inpatient Hospital
20% coinsurance
Emergency Room
$150 copay then 20% coinsurance
Dental
Dental Plan
In-Network
Deductibles
$50 Individual, $150 Family
Preventive & Diagnostic
Plan pays 100% with no deductible
Basic & Restorative
Plan pays 80% after deductible
Major
Plan pays 50% after deductible
Orthodontia
Plan pays 50% after deductible
Annual Maximum Benefit
$2,500 Per Person
Orthodontia Lifetime Maximum
$1,500 Per Person
Out-of-Network
Deductibles
$50 Individual, $150 Family
Preventive & Diagnostic
Plan pays 100% of reasonable and customary charges (R&C) with no deductible
Basic & Restorative
Plan pays 80% of R&C after deductible
Major
Plan pays 50% of R&C after deductible
Orthodontia
Plan pays 50% of R&C after deductible
Annual Maximum Benefit
$2,500 Per Person
Orthodontia Lifetime Maximum
$1,500 Per Person
Vision
$15
Eye Exam
Frames
Frames covered in full, up to the retail allowance of $130
Prescription Lenses
Elective contacts up to $125 allowance
View Payroll Deductions
Vision care benefits are available to Team Members who want comprehensive vision
coverage, including eye exams, standard lenses and frames, and contact lenses.
Team Members can take advantage of group rates and have the convenience of
paying through pre-tax payroll deduction.
You can receive a 30% discount for glasses purchased on the same day as the
exam? You also automatically receive 20% off unlimited pairs of glasses through
preferred providers within the last 12 months of your exam. Discounts are
automatically applied at the time of purchase.
VSP Vision
In-Network
Preventive Care
You are provided Preventive Care at 100% covered.
Eye Exams
$25 copay then plan pays 100%
Lenses
$30 copay for lenses then plan pays 100% for most lenses (Single/Bifocal/Trifocal)
Frames
$30 copay for frame then plan pays up to $160
Contact Lens Exam
$60 copay then plan pays 100%
Contacts Instead of Glasses
$0 copay then plan pays up to $160 for contacts
Out-of-Network
Preventive Care
You are provided Preventive Care at 100% covered.
Eye Exams
You will be reimbursed up to $45
Lenses
You will be reimbursed up to Single $30 / Bifocal $50 / Trifocal $65 / Progressive $50
Frames
You will be reimbursed up to $70
Contact Lens Exam
Total reimbursement is up to $105
Contacts Instead of Glasses
Plan pays up to $160 for contacts
FSA/HSA Accounts
Compare FSA and HSAHealth Savings Account
$250-$500 Company Contribution
Information
A health savings account (HSA) is a medical savings account Matching Contribution: Matching Contribution: You will earn $0.50 on every $1 you set aside to a maximum Niagara Match of $250 individual / $500 family
Individual Contribution
The 2019 HSA Annual Individual Contribution Limit is $3,500.
Family Contribution
The 2019 HSA Annual Family Contribution Limit is $7,000.
Flexible Spending Account
Up to $500 of unused Health Care FSA funds carry over into following year
Information
An FSA, also known as a flex plan or reimbursement account, is an employer-sponsored benefit that allows you to pay for eligible expenses on a pre‐tax basis.
Traditional Health Care FSA Contribution Limit
$2,650
Commuter FSA Contribution Limit
$260/month
Dependent Care FSA Contribution Limit
$5,000
Limited-Use FSA for Dental & Vision
$2,650
Life and Accidental Death & Dismemberment
TM Supp Life and AD&D
$300,000 Maximum
Information
Current Team Members: You may increase coverage by
$10,000. Your total coverage amount can be up to six times your base
pay up to a maximum of $300,000, without being subject to Evidence of
Insurability (EOI). Amounts elected above $300,000 up to the total
maximum of $1,000,000 are subject to EOI.
Newly Hired Team Members: You may elect coverage in
$10,000 increments up to a maximum of six times your base pay up to
$300,000, guaranteed issue. Amounts above $300,000 up to the total
maximum of $1,000,000 are subject to EOI.
Dependent Life and AD&D
$250,000 Maximum
Information
Spouse Life and AD&D: Up to 50% of Team Member
coverage in increments of $10,000 up to a maximum of $250,000.
Any amounts over $50,000 for New Hires or $10,000 during a change at Open Enrollment are subject to EOI.
Child Life and AD&D: Up to $10,000.
Guaranteed Issue
Information
Guaranteed issue is the amount of insurance you may purchase for
yourself and/or your spouse without having to submit Evidence of
Insurability (EOI). This means you will be guaranteed up to 6x your
base pay, with a maximum limit of $300,000 of life insurance without
any medical exams or questionnaires, during your New Hire enrollment
period only.
If you choose to elect coverage at a later date, or increase your
amount above the 6x base pay/$300,000, your coverage will be subject to
EOI; a medical exam, questionnaires and the underwriting process.
Disability Plans
Employer-Paid Short-Term Disability
Information
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).
GREAT NEWS! Aetna Short-term disability will be provided at no cost to all team
members in states without a state disability plan (all except CA/NJ) starting in
January.
Voluntary Long-Term Disability
$15,000/month maximum
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 employer contributions to any deferred compensation arrangement
or pension plan.
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.
401(k)
Retirement Plan
Through Fidelity
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.
• The 2019 IRS Maximum contribution for pre-tax and Roth is $19,000
• The 2019 IRS Maximum for Catch-up Contributions is $6,000
Niagara accepts rollovers from other qualified plans. If you would like to roll over funds from a previous 401(k) account, click the button below to access the form. Contact Fidelity at 1-800-835-5097 with questions. click
here to access the form.
Matching Contributions
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 match. The company matches $0.33 of every $1 you contribute up to 6% of your gross pay. To maximize your match, contribute at least 6% each pay period.
Starting in 2019, the match vesting schedule is a 3-year cliff vesting (0%, 0%, 100%). That means on a Team Member’s 3rd Anniversary with Niagara, all past and future matching contributions become 100% vested. Team members with 2 years of service will retain their 20% vesting. On their 3rd anniversary, they will be 100% vested. Don’t forget, your personal contributions to the 401(k) are always 100% vested!
401(k)
EasySaver Plus
The EasySaver Plus Plan allows you to save for retirement goals with a range of investment choices.
Pre-Tax Contributions
If you decide to make pre-tax contributions, they will be deducted from your paycheck before federal, and in most cases, state and local taxes are withheld. Pretax contributions may lower your current taxable income during the year the contributions are made. When you retire and your account is withdrawn, your distribution will be taxed then unless you roll the balance over to another tax-qualified plan or account.
Post-Tax Roth Contributions
If you decide to make Roth 401(k) contributions, they will be deducted from your paycheck after taxes. Your combined Roth 401(k) and pre-tax contributions cannot exceed $18,500. You will not pay taxes on withdrawals, provided any distribution from this account occurs at least five years following the year your first Roth 401(k) contribution is made to the Plan and you have attained age 59.5, died or become disabled.
Catch-Up Contributions
If you are age 50 and over, or will be turning 50 during the calendar year, and contribute the maximum deferral limit allowed, you may be eligible to contribute an additional $6,000 in 2018.
Work/Life Resources
We understand that as education costs continue to rise pursuing a
degree isn't always easy. That’s why 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. Click here to access the application.
While the Niagara medical plans cover the majority of your health care
costs, you can still be left with large medical bills if you have an
accident. With the Aetna Voluntary Supplemental Health Plan, you can
stay ahead of the out-of-pocket expenses that may occur due to a
non-work related injury.
All Team Members and their eligible dependents
may purchase this coverage when newly eligible or during the annual
Open Enrollment period.
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 much more.
Identity Theft includes:
Credit Report, Daily Credit Monitoring,
Identity Theft Restoration, and
Unlimited Identity Theft consultation.
Get access to various programs such as:
Working Advantage Discount Program
Budget Car Rental Discount
24 Hour Fitness
AT&T Personal Account Discount
Verizon Wireless Discount Program
Microsoft Office 2016 Discount
Learn more
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, preventatives 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.
In an effort to better support Niagara’s culture of ongoing education,
while also encouraging Team Members to take more ownership of their
continued development and education, we are pleased to roll out the
revised Tuition Assistance Program at Niagara.
This program is offered as a benefit to Niagara Team Member and any
reimbursement made pursuant to it shall be made in Niagara’s
discretion.
If you are interested in applying to this program and you have
completed 12 months of service with Niagara, click here to view the Tuition Assistance
Policy and Tuition Assistance Application
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.
This coverage can be used to pay for any expenses - household bills, medical bills, travel, etc.
Sometimes starting a family through natural birth just isn't in the cards. However, this year
we've teamed up with Progyny to offer a BRAND NEW Adoption Assistance benefit to help
make starting your family a little bit easier.
A $10,000 benefit available to Team Members with 1 year of service or more
New! 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.
This plan is FREE to Niagara Team Members!
Get started →
NIAGARA WATER permits PIPER JORDAN to offer employees 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 employees 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 employees to publicize these programs and NIAGARA WATER may perform certain ministerial functions such as payroll deduction and forwarding employee 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.
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