Zadok - Enrollment Guide

2/1/2021 - 1/31/2022

Employee Benefits Guide

Welcome to your 2021-22 Benefits!

At Zadok Technologies, we believe our benefits
should make a difference…to you, to your job and
to the life you lead outside of work. Benefits are
more valuable than ever before and are a
significant part of your total compensation
package. We are continually looking for ways to
ensure our programs are meaningful for you.

For the second year in a row, Zadok is absorbing
100% of the increase for medical insurance. The
Blue Cross Blue Shield rates are increasing by
48% effective 2/1/2021 and management at
Zadok has made the decision to keep your
deductions and benefits on your health plan the
same as they currently are with NO increase in
premium! If you do not wish to make any
changes to your current elections for medical
and/or other benefits, your current elections will
rollover to the new plan year. If you do wish to
make changes, please follow the instructions on
Page 5 of this booklet, which is a guide on how
to log in to the Benefits Connect website to
Enroll or Make changes to your current benefits.

Benefit Basics

Zadok Technologies offers comprehensive benefits to promote health and financial security for you and
your family. This booklet provides you with a summary of your benefits. Please review it carefully so you
can choose the coverage that is right for you and your family.

You are eligible for benefits if you work an average at least 30 hours per week. Your benefits are effective
on the first day of the month on or after your date of employment. You may also enroll your eligible
dependents for certain coverages. Eligible dependents are defined as-

• Your legal spouse
• Your legal children up to age 26

Once your benefit elections become effective, these benefits remain in effect until the next “Open
Enrollment” period.

QUALIFYING LIFE EVENTS

You may add or remove a dependent OR add or cancel coverage if you experience a Qualifying Life
Event.

A Qualifying Life Event occurs if you experience an event such as:

• Marriage
• Divorce
• Birth of a child
• Adoption of or placement for adoption of a child
• Change in employment status of employee or spouse
• Qualification by the Plan Administrator of a child support order for medical coverage
• Entitlement to Medicare or Medicaid

You must notify Human Resources within 30 days of a qualifying life event. Depending on the type of
event, you may need to provide proof of the event, such as a marriage license, birth certificate or proof of
prior coverage.

During a qualifying life event, you CANNOT change your current medical plan option.

Benefit Basics

Benefit Cost

Zadok Technologies contributes to the cost of your health insurance and pays 100% of the cost for a Basic
Life insurance & AD&D of $10,000.

Voluntary Dental, Vision, STD, LTD, and Life is also available to full time employees. Rates for STD, LTD
are determined by your age and income.

Benefit Who Pays Tax Treatment
Medical for employee and Zadok and employee Pre-tax
dependents Pre-tax
Dental for employee and dependents Employee Pre-tax
Employee
Vision for employee and dependents

Basic Life/AD&D-$10,000 Zadok pays 100% N/A
STD, LTD, and Voluntary Life/AD&D Employee Post tax

How to enroll in the Zadok benefits using
the Benefits Connect online Website

Welcome!
Your Open Enrollment journey starts here. Welcome to an exciting and easy experience
to elect your employee benefits.
Online Access
Step 1: To log into the Benefits Connect website. Open your web browser and type
benefitsconnect.net into the top tool bar.
Step 2: At your home screen, you will see a Company ID, Username and Password
Welcome Box.
Step 3: The company ID is “Zadok”, your username is the first six characters of your last
name (if applicable), followed by the first letter of your first name, which is then
followed by the last four digits of your Social Security Number.

Step 4: Your initial password is your Social Security Number (SSN). Please note, your
SSN should contain no spaces or dashes. Once you are signed in, you may need to
change your password.
Step 5: Click Sign In to enroll.

NOTE:
Once you are logged in, verify your personal information, add dependents, make your
elections and add your beneficiary. Be sure to click “Finish” when you are complete with
your enrollment.

Health Care

Your Healthcare coverage
administered by Blue Cross Blue
Shield of Texas

Employees have three options to choose from within
Blue Cross.

Option 1 is a High Deductible HSA qualified plan
which allows you to open a tax favored personal
Health Savings Account. See your Medical Plan
Options on the following page for more details.
Option 1 has a $6,000 deductible with a $6,000
maximum out of pocket for individual.

Options 2 and 3 are “copay” type plans that offer
copays at the doctor’s office and for prescription
medication. Option 2 has a $5,000 deductible with a
$5,600 max out of pocket for individual. Option 3 has a
$1,500 deductible and $4,500 max out of pocket for
individual.

MEDICAL PLAN OPTIONS

Annual Deductible Option 1 In-network Option 2 In-network Option 3 In-network
Benefits Benefits Benefits
Coinsurance
Out-of-Pocket High Deductible HSA Medium Plan (713) High Plan (704)
Maximum (Includes Plan (609)
Deductible) $5000 Individual $1,500 Individual
Lifetime Maximum $6,000 Individual $14,700 Family $4,500 Family
Preventative Care 80%
Primary Physician Office $12,00 Family 70%
Visit $5600 Individual $4,500 Individual
Specialist Office Visit 100%/70% $14,700 Family $13,500 Family
Outpatient Surgery
Inpatient Hospital $6,000 Individual Unlimited Unlimited
Urgent Care 100% Covered 100% Covered
$12,000 Family
RX Copays
Unlimited
Employee Only
Employee & Spouse 100% Covered
Employee &
Child(ren) Deductible applies $45 $35
Family
Deductible applies $90 $70

Deductible applies Deductible applies Deductible then 20%

Deductible applies Deductible applies Deductible then 20%

Deductible applies $75 $75
$0/$10/$50/$100/$150/$250 $0/$10/$50/$100/$150/$250
Deductible/Coinsurance
applies Employee Weekly Cost Employee Weekly Cost

Employee Weekly Cost

$5.66 $21.90 $46.17

$88.01 $125.37 $181.20

$56.34 $85.57 $129.27

$138.69 $189.04 $264.30

Dental Benefits PPO benefits

Your Dental Coverage $50/$150
$1,500
Administered by Ameritas $100%

Good oral care enhances overall 80%
physical health, appearance and
mental well-being. Problems with the 50%
teeth and gums are common and
easily treated health problems. Keep 50%
your teeth healthy and your smile Employee Weekly Cost
bright with our dental benefit plan.
Zadok offers you the following Dental 5.58
Plan through Ameritas. 12.11
$14.66
Annual Deductible: Individual/Family $21.19
Annual Maximum Per Individual
Diagnostic/Preventive: cleanings, fluoride, sealants, X-rays

Basic Services: fillings, simple extractions,

Major Services: Crowns, Inlays, Onlays, Dentures, Implants, Bridges
and Endo/Perio

Orthodontia (Children only up to age 19) Lifetime max-$1000

Employee Only
Employee Spouse
Employee Children
Family

Vision Benefits

Vision Coverage

Administered by Ameritas

Regular eye examinations not only determine your need for
corrective eyewear but also detect general health problems.
This plan utilizes the VSP Choice Network.

Benefit In-Network
$10 copay
Exam $25 copay
Hardware
Frequency Every 12 Months
• Exams Every 12 Months
• Lenses Every 24 Months
• Frames $130 allowance

Frames Covered 100% after copay
Covered 100% after copay
Lenses Covered 100% after copay
• Single Vision Lenses
• Bifocal Lenses Covered in full
• Trifocal Lenses
Medically Necessary Contact Lenses Up to $130 allowance
Elective Contact Lenses in lieu of
glasses

Employees pay 100% of the cost of this coverage

Employee Weekly Cost

Employee Only $1.71

Employee & Spouse $3.36

Employee & Child(ren) $3.19
Family $4.85

To Find a Vison Provider: Visit www.ameritas.com or call 800-877-7195

Life Insurance Benefits

Life and Accidental Death & Dismemberment (AD&D) Insurance Coverage

Administered by Dearborn

Life Insurance provides financial security for the people who depend on you. The life insurance
benefit will be paid to your designated beneficiary in the event of your death while employed
with Zadok. We provide full-time employees with Term Life Insurance and AD&D up to $10,000
at No Cost to the employee.

Basic Life Benefit Rate
Amount

Employee $10,000 Zadok pays 100%

Basic Group Term Life Benefits reduce by 35% of the original amount at age 65 and further reduce to 50% of the
original amount at age 70. Benefits terminate at retirement.

Voluntary Life & AD&D – Employee Paid Benefit

You have the option to purchase additional life insurance coverage for yourself, your spouse
and/or children. This benefit is 100% employee-paid. You must enroll in the benefit in order to
cover your dependents. Premiums will be deducted on a post-tax basis. Benefits are subject to
reductions at age 65.

Voluntary Life & AD&D Benefit Amount Benefit Amount Guarantee
Issue
Individual $10,000 Increments Benefit Maximum $150,000
$5,000 Increments $25,000
Employee $1,000 Increments $500,000 N/A
Spouse Up to 50% of Employee amount
Dependent Child(ren) $10,000

Age Range Rate per $1,000 per month (Employee & Spouse)
Under 25 $0.096
25 to 29 $0.084
30 to 34 $0.091
35 to 39 $0.115
40 to 44 $0.158
45 to 49 $0.232
50 to 54 $0.346
55 to 59 $0.529
60 to 64 $0.707
65 to 60 $1.093
70 to 74 $2.058
75 to 70 $4.370
80 and over $8.025
Rate per $1,000 per month (Child Life)
6 months to 26 years $0.210

Short & Long Term Disability

Voluntary Short-Term Disability (STD) Insurance Coverage

Voluntary Short-Term Disability provides income if you become disabled due to any off-the-job
injury or illness. Zadok offers group STD insurance on a voluntary basis to their full-time
employees.

Coverage Benefit
Short-Term Disability
• Covers 60% of your weekly earnings to a
maximum of $1,000
• This benefit will last for a duration of 11
weeks
• Elimination Period is 14 days for both off-the-
job injuries and illnesses.

Voluntary Long-Term Disability (LTD) Insurance Coverage

Voluntary Long-Term Disability insurance picks up if you are disabled when the STD coverage
ends and if Long Term Disability is elected. Zadok offers LTD insurance on a voluntary basis to
their full-time employees.

Coverage Benefit
Long-Term Disability
• Covers 60% of your monthly earnings to a
maximum of $5,000
• Benefits payable up to SSNRA
• Benefits begin after 90 days

*Premiums for STD & LTD are based on an employee’s income and age. See HR for
details.

401(K) Plan

Administered by Voya Financial

Benefits You Receive:

To help you prepare for the future, The Quality Companies, LLC sponsors a Safe Harbor
401(k) Plan as part of its benefit package.

With this plan, you can save up to the IRS maximum allowed per calendar year on a pre-
tax basis. (For calendar year 2021, the maximum contribution is $19,500. For
participants age 50 and over, the additional “catch-up” contribution is $6,500, for a total
annual maximum of $26,000).

By saving on a pre-tax basis, you reduce the taxes you pay today and delay paying taxes
on the money you save, as well as your account earnings, until you withdraw your funds
from the plan.

Who Is Eligible and When:

All full-time employees are eligible to participate in the 401(k) Plan. You may begin
participating in the plan upon your date of hire.

Employer Match:

In additional to your contributions, The Quality Companies, LLC helps you save by
matching a percentage of the money you contribute. The company makes an annual
match on behalf of the employees. Because the plan is a Safe Harbor plan, this match is
100% vested. There is no vesting schedule.

To be eligible for the Employer Match, an employee must make contributions to the
plan during the plan year.

The current Employer Match is as follows:

100% of first 3%, then 50% of next 2%

If you contribute 5%, your match will be 4%. You may contribute up to 100% of your salary.
There is no match on any contributions over 5%.

The plan offers a very diverse set of investment options within several categories (stable,
conservative, moderate, aggressive and stock/bonds) through Voya Financial.

HEPFUL RESOURCES

Who to Call Administrator Phone Number Website
Zadok Cathy Nelson 1-337-857-6000
Laura Grabert 985.851.4281 [email protected]
Medical Policy 1-800-521-2227
Vision BCBSTX 1-800-877-7195 [email protected]
Dental 1-800-487-5553 www.bcbstx.com
Ameritas 1-800-778-2281
STD/LTD/Life & 1-800-778-2281 www.ameritas.com
AD&D Ameritas 1-337-857-6000
Dearborn www.ameritas.com
Voluntary Life Dearborn
401(K) Voya Financial www.dearbornnational.com
www.dearbornnational.com

www.voya.com

We are pleased to provide you with a brief outline of the benefits available
to you as our employee. This is a brief summary and does not constitute a
contract. Please refer to your Certificate of Insurance for further information.
Information last updated February 1, 2021.