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 2021 benefits?

View 2021 benefits

Coming in 2023:
CIGNA Medical

Effective January 1st, 2023, we will transition Niagara’s medical plans from Aetna to Cigna.

We will have one benefits package across all states to support our WE Niagara mindset and focus on providing seamless promotional opportunities wherever they exist. Additionally there will be a reduction in complexity and more of an ability to influence the best healthcare outcomes possible.

Announcement Letter →
FAQs →

Medical Plan

We are offering you 1 Aetna plan: the PPO w/HSA Plan.

Aetna PPO w/HSA

Preventive Care:


Office Visit:

20% after deductible


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

Generic Drugs

$15 after deductible

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Magellan Rx

If you choose the Aetna PPO with HSA, your prescription drug program is with Magellan.

Get access to national and regional pharmacies in-network such as Walmart, Walgreens, 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 Plan

We offer you 1 dental plan: the PPO Low.




Basic Services:

Plan pays 80%

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Vision Plan

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


Eye Exam Cost:



Covered in full up to the retail allowance of $130*

*Once per 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.

Once you have worked 1,000 hours, you will be eligible for this plan.

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

View Plan Detail

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:

✓ Discount Programs

✓ Magellan EAP

✓ LegalShield & Identity Theft

✓ LA Fitness

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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.

Don't miss out!
All Medical Enrollees have access to up to 3 Smart Cycles™.

In addition to our $10,000 Adoption Assistance reimbursement benefit, Niagara offers a $10,000 Surrogacy Reimbursement benefit. These benefits are available to all full-time members regardless of medical plan enrollment, following 1 year of service.

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Team Members and participating Spouse/Domestic Partners covered by a Niagara medical plan as of 1/1/2022 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 2022, but spouses are encouraged to participate.

View Plan Details

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 on www.niagarabenefits.com. 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.