2026 Employee Benefits
Medical, Dental, and Vision
To keep you and your family healthy!
Retirement
To help you save for the future you envision!
Life/AD&D and Disability
To provide financial assistance and income security for your peace of mind!
Wellness
To prioritize your wellbeing and success!
We ❤ You
This is our a commitment to empower you to bring your best self to work every day because we recognize you as the great talent that you are!
We ❤ our benefits
When it comes to creating opportunity and wealth for our team, Instant Teams is committed to enhancing your employee experience.
We want you to know that your well-being and success are top of mind!
At Instant Teams we work hard to design our benefit offerings to create opportunity and resources for every team member – functioning in ways you see visible in your daily work life. That’s why as part of our company culture, we prioritize your well-being and success by offering benefits and perks that support your work and personal growth.
This is our commitment to helping you bring your best self to work every day, build positive remote work habits, and HAVE FUN being a part of a remote
workforce.
At Instant Teams, we’re proud to offer a mix of traditional and unique benefits to show our appreciation for your contributions to the company’s success.
MAILING address
Instant Teams
164 NW Broad Street, Suite 7,
Southern Pines, NC 28387
2026 RATES & BENEFIT CONTACTS
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Summary Plan Description
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Medical – Full Time Employees
UnitedHealthcare Choice Plus
IN-NETWORK
OUT OF NETWORK
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UHA 600 (Hawaii-Based Employees)
IN-NETWORK
OUT OF NETWORK
Dental – Full Time Employees
Quick Links
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MetLife Low Plan
IN-NETWORK & OUT OF NETWORK
MetLife High Plan
IN-NETWORK & OUT OF NETWORK
Vision – Full Time Employees
MetLife Vision
IN-NETWORK
OUT-OF-NETWORK
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Retirement
Instant Teams 401(k) SuccessWise Pooled Employer Plan is designed to help you start saving for retirement or continue working towards your financial goals. This plan offers long-term savings and growth potential with a variety of investment options.
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Automatic payroll deductions to help you make saving a habit.
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Automatic enrollment after 60 days of employment to ensure you start building your retirement savings.
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Long-term savings and growth potential across a variety of investment options.
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As an eligible participant, you can contribute 401(k) pre-tax, Roth after-tax dollars, or a combination of both.
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Pre-Tax 401(k): Contributions lower your taxable income now, giving you a tax break upfront. Taxes are paid when you withdraw the money.
Roth 401(k): Contributions are made with taxed income, so there’s no tax owed when you withdraw the money later.
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Life & Disability
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Life, Accidental Death & Dismemberment, and Disability Insurance
Life and disability insurance provides essential financial security for those who depend on you. To ensure peace of mind for you and your family, Instant Teams offers Life, Accidental Death & Dismemberment (AD&D), and Disability insurance through Lincoln Financial Group—at no cost to you. Coverage begins after 60 days of employment and continues until your last day of employment.
Voluntary Life/AD&D Insurance
Instant Teams provides the option to purchase additional voluntary Life and AD&D insurance through Lincoln.
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You may also elect coverage for your spouse and dependent child(ren).
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This coverage is 100% employee-paid through payroll deduction.
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Rates are based on your age and the approved coverage amount.
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Coverage amounts above the guaranteed issue limit—or any requests made after your initial eligibility period—will require Evidence of Insurability (EOI).
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Long-Term Disability
Instant Teams offers an optional Voluntary Long-Term Disability (LTD) plan through Lincoln to provide income protection if you are unable to work for an extended period due to illness or injury.
This benefit is 100% employee-paid through payroll deduction. Your cost is based on your annual earnings and will be shown during open enrollment. Any LTD benefits paid are non-taxable.
Plan Highlights
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- Eligibility: Full-time and part-time employees
- Benefit Amount: 60% of monthly earnings
- Benefit Maximum: Up to $10,000 per month
- Benefits Begin: On the 91st day of disability
- Benefit Duration: Payable to the later of age 65 or Social Security Normal Retirement Age (SSNRA)
- Coordination: Coordinates with other disability benefits
Wellness
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Employee Assistance Program
Employee Connect EAP
Access free, confidential support 24/7 with licensed counselors via phone or online. Referrals for in-person sessions are also available. This benefit is open to all employees and their household members, providing support for stress, relationships, substance use, work-life balance, grief, and mental health. Get started at 1-888-628-4824, GuidanceResources.com, or through the GuidanceNow app.
LifeKeys
Save up to 60% on shopping and entertainment through Working Advantage. Access tools for legal, financial, and career support, identity protection, and guidance for your beneficiaries.
WellnessPATH
Manage your finances in one place—track spending, set goals, and stay on top of your budget with WellnessPATH.
TravelConnect
Get 24/7 travel support for you and your loved ones, making trips easier, safer, and less stressful.
Yuna
Benefit Highlights
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- Available to all employees
- Confidential counseling with licensed mental health providers
- Virtual sessions for convenient, flexible access
- 24/7 AI mental health coach for immediate support anytime, anywhere
- Support for a wide range of concerns, including stress, anxiety, depression, relationships, and life transitions
- Easy self-scheduling through the Yuna platform
- Available to all employees at no cost
Paid Time Off
Employees accrue Paid Time Off (PTO) to cover vacation, personal, and sick needs in one flexible benefit. PTO begins accruing on your hire date, and employees are responsible for managing their time to ensure coverage for vacations, illness, or emergencies.
Eligibility: Employees must work at least 20 hours per week. Employees working less than 20 hours, as well as PRN, temporary, and Remote On-Call (ROC) employees, are not eligible for PTO accrual.
Professional Development
At Instant Teams, we aim for each and every team member to be a remote work expert and to excel in their role. We hope to educate, inspire, and advance your remote career alongside your daily work.
For example, at times there may be Department Specific Skill Trainings, and more.
We ❤ You
Celebrations
Because we are happy that you are here, work anniversaries are CELEBRATED!
Annual Performance Merit Increase
Account-Based Employees receive an annual performance evaluation, aligned with their anniversary or employment change date. This date reflects when they officially joined Instant Teams. During the evaluation, employees may also be considered for a merit increase to recognize their contributions and growth over the past year.
Disclaimer: This presentation is to provide a summary of Instant Teams’ employee benefit programs. Should any discrepancy arise, please refer to actual plan documents, which supersede this presentation. Once enrolled, you will receive a Combined Evidence of Coverage and Disclosure Form that explains the exclusions and limitations as well as the full range of covered services of your plan, in detail.