2023 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

Your wellbeing and success are top of mind.

We ❤ You

This is our a commitment to help you bring your best self to work every day.

We ❤ our benefits

When it comes to creating opportunity and wealth for our team, Instant Teams works hard to enhance your employee experience through benefit programs and perks that provide meaningful support and allow you to be successful in your work.

We want you to know that your well-being and success are top of mind. We have designed our benefits and perks offerings at Instant Teams to be a part of our culture and to function in ways you see visible in your daily work life. This is our commitment to helping you bring your best self to work every day, build positive remote work habits, and to HAVE FUN being a part of a remote
workforce.

Instant Teams offers some pretty great benefits to thank you for your contributions to the company’s success. Some are traditional, and some are extra special.

MAILING address

Instant Teams
670 SW Broad St.
Southern Pines, NC 28387

Email

Medical – Full Time Employees

UnitedHealthcare Choice Plus

IN-NETWORK

Annual Deductible: Ind/Family
Preventative Care Services Copay
Office Services - Sickness & Injury Copay
Specialist Visit Copay
Urgent Care Copay
Virtual Care Services Copay
Emergency Room
Hospitial — In Patient
Hospitial — Out Patient
Rx Deductible
Rx Plan Teir 1/2/3/4 Retail Net
$3,000/$6,000
$0
$30 after deductible
$60 after deductible
$75 after deductible
$0 after deductible
$350 after deductible
20% after deductible
See "Plan Details" within the Quick Links for specifics
See "Deductible Information" within the Quick Links for specifics
$10/$30/$50/na

OUT OF NETWORK

Annual Deductible: Ind/Family
Copays
Annual Out-of-Pocket Limit: Ind/Family
$6,000/$12,000
20% - 40% after deductible depending on the service (see Plan Details within the Quick Links for more information)
$15,000/$30,000

UHA 600 (Hawaii-Based Employees)

IN-NETWORK

Deductible: Ind/Family
Preventative Care Services
Maternity Services
Disease Management Programs
Physician Services
Hospital Services
Emergency Services
Complementary Alternative Medicine
$2,500/$7,500
No co-payment/No co-insurance. UHA covers 100% of preventative care services.
Maternity Care & Newborn Nursery: 10% of Eligible Charge; Birthing Room: None
None
10% of Eligible Charge
10% of Eligible Charge
Emergency Room Services: 10% of Eligible Charge; Ambulance (ground or inter-island air): 20% of Eligible Charge
$10 co-payment per visit; First set of x-rays at 50% of Eligible Charge (full charge of additional sets); $500 combined maximum per calendar year

OUT OF NETWORK

Deductible: Ind/Family
Preventative Care Services
Maternity Services
Disease Management Programs
Physician Services
Hospital Services
Emergency Services
Complementary Alternative Medicine
$2,500/$7,500
No co-payment/No co-insurance. UHA covers 100% of preventative care services.
Maternity Care & Newborn Nursery: 30% of Eligible Charge; Birthing Room: 20% of Eligible Charge
None
30% of Eligible Charge
30% of Eligible Charge
Emergency Room Services: 10% of Eligible Charge; Ambulance (ground or inter-island air): 30% of Eligible Charge
Plan pays up to $20 per visit, X-rays not covered; $500 combined maximum per calendar year

Dental – Full Time Employees

MetLife Low Plan

IN-NETWORK (% OF NEGOTIATED FEE)

Deductible: Ind/Family
Annual Maximum Benefit
Preventive
Basic
Major
Orthodontia
$50/$150
$1,000
100%
80%
50%
N/A

OUT OF NETWORK (% OF R&C FEE)

Deductible: Ind/Family
Annual Maximum Benefit
Preventive
Basic
Major
Orthodontia
$50/$150
$1,000
100%
80%
50%
N/A

MetLife High Plan

IN-NETWORK (% OF NEGOTIATED FEE)

Deductible: Ind/Family
Annual Maximum Benefit
Preventive
Basic
Major
Orthodontia (Applies to Adult & Child)
Orthodontia Lifetime Maximum
$25/$75
$2,000
100%
80%
50%
50%
$2,000 per person

OUT OF NETWORK (% OF R&C FEE)

Deductible: Ind/Family
Annual Maximum Benefit
Preventive
Basic
Major
Orthodontia (Applies to Adult & Child)
Orthodontia Lifetime Maximum
$25/$75
$2,000
100%
80%
50%
50%
$2,000 per person

Vision – Full Time Employees

MetLife Vision

IN-NETWORK

Copays: Exams & Materials
Eye Exam
Lenses
Frames
Elective Contact Lenses (in lieu of glasses)
Laser Vision Correction
$10 copay
Covered after copay
Covered after copay
$130 allowance after basic frames, then 20% off remaining balance
$130 allowance
Savings of 40% - 50% off the national average price of traditional LASIK

OUT-OF-NETWORK

Copays: Exams & Materials
Eye Exams
Lenses
Frames
Elective Contact Lenses (in lieu of glasses)
Laser Vision Correction
Up to $45
Up to $45 allowance
See "Plan Details" within the Quick Links for specifics
Up to $70
Up to $105
Savings of 40% - 50% off the national average price of traditional LASIK

Retirement

  • Instant Teams 401(k) SuccessWise Pooled Employer Plan can help employees take the first step towards retirement or to continue to save to reach their financial goals.

    Automatic payroll deductions to help you make saving a habit.

    Long-term savings and growth potential across a variety of investment options.

     

    As an eligible participant, you can contribute 401(K) pre-tax, Roth after-tax dollars, or a combination of both.

    • If you elect to make Pre-Tax 401(K) pre-tax contributions, then your taxable income is reduced by the deferral contributions. In other words, you receive a tax break now (leaving more money in your pocket to save). Taxes are paid at the time of withdrawal.
    • If you elect to make Roth 401(k) after-tax dollar contributions, the deferrals are subject to federal income taxes in the year of deferral. In other words, contributions are made with money that’s already been taxed. However, you won’t have to pay any taxes at the time of withdrawal.

Life & Disability 

Life, Accidental Death & Dismemberment, and Disability Insurance 

Life and disability insurance are very important to those who depend on you for financial security. For your peach of mind and the financial protection of your family, Instant Teams provides Life, Accidental Death, & Dismemberment (AD&D), and Disability insurance benefits from Lincoln Financial Group at no cost to you that begins on your hire date and ends on your last day of employment.

Basic Life and AD&D
Short Term Disability (STD)
1X annual earning up to maximum of $200,000. No cost to you.
Benefits begin 8th for accident/8th day for illness. Coverage is equal to 60% of your weekly earnings up to 13 weeks. No cost to you.

Voluntary Life/AD&D Insurance 

Instant Teams provides you with the opportunity to purchase additional Life/AD&D insurance through Lincoln on a voluntary basis:

    • You may elect for your spouse and dependent child(ren).
    • Coverage is VOLUNTARY and paid 100% by the employee via payroll deduction.
    • Rates are based on your age and the amount of coverage approved.

Long-Term Disability

A long-term disability plan pays a benefit if you are unable to work due to injury or sickness for longer than 90 days. Coverage is equal to 60% of monthly earnings, up to $10,000 per month. Voluntary and 100% employee paid.

Employee Voluntary Life
Spouse Voluntary Term Life
Child(ren) Voluntary Term Life
5x salary up to $50,000. Guarantee Issue: $125,000
50% of employee benefit to $250,000. Guarantee Issue:$30,000
Child day 1-14 days: No benefit. Child 14 days but less than 6 months: $250. Child 6 months but less than 26: $10,000. Guarantee Issue: N/A

Wellness

Employee Assistance Program

FREE & CONFIDENTIAL access to consult with a professional licensed health provider counselor online or by telephone 24/7 with referrals available for face-to-face sessions in your area of need.

    • Available to all full-time employees and all members of their households.
    • Connect to a counselor for free support services at 1-888-628-4824 or guidanceresources.com, or get the mobile app GuidanceNow to get started.
    • Confidential support and guidance to assist with concerns such as:
        • Managing Stress
        • Handling relationship issues
        • Quitting tobacco, alcohol, or drug use
        • Balancing work and life
        • Caring for children or aging parents
        • Working grief of a loss
        • Controlling depression and anxiety

Paid Time Off

Employees are given paid time off to provide them with the flexibility to use their time off to meet personal needs while recognizing each individual’s responsibility to manage their paid time off. The benefits of PTO are that it promotes a flexible approach to time off by combining vacation, sick, and personal leave. PTO begins accruing at 61 days of employment or upon transfer into a benefits-eligible position.

Employees are accountable and responsible for managing their own PTO hours to allow for adequate reserves if there is a need to cover vacation, illness or disability, appointments, emergencies, or other situations that require time off from work.

For eligibility, an employee must be working at least 20 hours per week on a regular basis. Employees working less than 20 hours per week on a regular basis, PRN/temporary and Remote On Call (ROC) employees are not eligible to accrue PTO.

Professional Development

We ❤ You

Celebrations

After 90 days of employment, watch for your local delivery person for fun Instant Teams swag coming to your mailbox or doorstep!

Because we are happy that you are here! A work-anniversary card will be sent to celebrate YOU!

Annual Cost of Living Increase

The people who work towards our mission everyday, deserve to be compensated at a competitive level. Full time and part time remote team members receive a 3% cost of living increase at the one year anniversary with Instant Teams. (ROC & PRN team members are not eligible for this benefit).

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.