Benefits Center

We have developed this Benefits Hub for you as a one-stop-shop for all of your year-round benefits needs.
Get access to things like plan documents, contact information, plan information, helpful compliance notices & more!

To get started, click a Plan Icon or just continue scrolling.

Need to see 2023 benefits?

View 2023 benefits

Virtual Care with Teladoc.

You’ll now see TWO options in Teladoc: Virtual Primary Care (VPCP) and 24/7 Urgent Care.

Learn more

Medical Plans

We are offering you a Cigna plan: the Cigna HSA.

More doctors, more hospitals, more care. Cigna’s large provider network makes it easy for employees to get quality in-network care. When you enroll in Medical, Team Members will receive a brand new ID card from Cigna for medical and prescription drug coverage.

Cigna HSA

Preventive Care:

Plan pays 100%

Primary Care Office Visit:

You pay 20% after deductible


$1,750 (I) / $3,500 (F)

Generic Drugs

$15 after deductible; $30 after deductible (mail order)

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Magellan Rx

When you enroll in a Cigna medical plan, your prescription drug program is with Magellan Rx. You’ll have access to national and regional pharmacies, such as, Walmart, Costco, Rite Aid, CVS and more!

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A health savings account (HSA) is a medical savings account. You will earn $0.50 on every $1 you set aside to a maximum Niagara Match of $250 individual / $500 family.

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Dental Plans

We offer you 1 dental plan: the PPO Low.



$50(I) / $150(F)

Basic Services:

You pay 20%

Major Services:

You pay 50%

Orthodontic Services:

Plan pays 50% for dependent children up to age 26

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Vision Plans

We are offering you 1 vision plan: the VSP Low.


Eye Exam Cost:

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

Primary Eyecare:

$10 copay


Covered in full up to the retail allowance of $130; Once every 24 months


Covered in full after copay; Once every calendar year

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Advocacy Services

A Piper Jordan Advocate is ready to help.

Claims Advocacy:
Help you, or members of your immediate family* solve claim questions or resolve provider billing issues.

Find a Provider:
An in-network provider can offer you lower out of pocket costs – we can locate a provider close to you.

Understand your Benefits:
Want to know what is covered? How does a deductible work? What’s your co-pay? We’re ready to assist.

*Spouses, domestic partners, child(ren), parents, and parents-in-law.

The 401(k) Plan

The Niagara Water 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.

IRS Pre-Tax/Roth Contribution Limit:


IRS Catch-up Contribution Limit:


Niagara 401(k) Matching Contribution:

$0.33 on every $1 up to 6% of your gross compensation

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Work/Life Benefits

Benefits that go beyond basic and voluntary coverages. These are programs that offer you and your family even more flexibility and added perks on top of what you enroll in above.

Included Benefits:

✓ Lyra Mental Well-being

✓ Discount Programs

✓ LegalShield & Identity Theft

✓ Discounted Airport Parking

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Family-Friendly Benefits

Whether you already have a family, or are just starting out, these benefits have family in mind.

Get access to great programs like Progyny, Tuition and Pet discounts, and more.
All Medical Enrollees now have access to up to 4 Smart Cycles™.

Niagara offers a $10,000 Adoption, $10,000 Surrogacy, and $5,000 Doula Reimbursement benefit.

Progyny Welcome Video
Progyny Webinar

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Team Members and participating Spouse/Domestic Partners covered by a Niagara medical plan as of 1/1/2023 may voluntarily participate in the Hydrate Your Health Program.

For Team Members, your participation helps you avoid paying the Wellness Surcharge. The surcharge is $40 per paycheck for team members. There will not be a surcharge for spouses in 2023, but spouses are encouraged to participate.

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A Summary of Benefits and Coverage (SBC) has been designed to assist you with better understanding the coverage being offered to you, and to allow you to compare coverage options. The SBC is available in the forms library. A paper copy is also available, free of charge, by calling 909-230-5000.

Niagara Bottling permits insurers to offer employees of Niagara Bottling certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. Niagara Bottling 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 Bottling does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. Niagara Bottling'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and Niagara Bottling may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. Niagara Bottling 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.

All benefit plans are governed by master policies, contracts, and plan documents. In the event of any inconsistency between the information contained herein and the applicable plan documents, the provisions of the plan documents shall prevail. Niagara Bottling reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.

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