2025 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 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
670 SW Broad St.
Southern Pines, NC 28387
2025 RATES & BENEFIT CONTACTS
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.
- 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.
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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 you with the opportunity to purchase additional Life/AD&D insurance through Lincoln on a voluntary basis:
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- 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.
- Coverage amounts requested above the guaranteed issue amount or after the initial eligibility period (e.g., as a new hire) require Evidence of Insurability.
Long-Term Disability
Both full-time and part-time employees can purchase Long-Term Disability (LTD) coverage through Lincoln, extending beyond the Short-Term Disability (STD) period.
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- LTD benefits are available if you are unable to work due to injury or sickness for more than 90 days.
- The plan pays 60% of your monthly earnings, up to $10,000 per month.
- Coverage is voluntary and 100% employee-paid via payroll deduction.
- The cost of coverage is based on your age and salary.
Wellness
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Employee Well-Being Programs
Employee Connect EAP
Enjoy free and confidential 24/7 access to licensed counselors via phone or online, with referrals available for in-person sessions. Available to all employees and their household members, offering support for stress, relationship issues, 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 the Working Advantage discount network, available online and in the GuidanceNow app. Access tools for life matters like legal, financial, and career advice, plus identity theft protection, online will preparation, and support for your beneficiaries in times of need.
WellnessPATH
Get a complete view of your finances with WellnessPATH, helping you link all your financial accounts in one place. Easily manage your budget, track spending, and set financial goals tailored to your needs.
TravelConnect
Travel with peace of mind using TravelConnect services, available 24/7 to assist you and your loved ones with travel needs, ensuring a smoother, less stressful experience.
BetterHelp
All full-time and part-time employees now have free access to BetterHelp, the world’s largest online therapy service—no medical plan enrollment required! BetterHelp provides personalized therapy with over 30,000 licensed therapists in 200+ countries and 65 languages.
After completing a brief intake questionnaire, you’ll be matched with a therapist based on your needs, preferences, and location, usually within 24-48 hours. You can then schedule sessions directly or message your therapist anytime.
Paid Time Off
Employees receive paid time off (PTO) to manage personal needs, combining vacation, sick, and personal leave into one flexible benefit. PTO starts accruing upon hire. Employees are responsible for managing their own PTO to ensure they have enough for vacations, illness, or emergencies.
To be eligible, 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.
Ex: Department Specific Skill Trainings, and more.
We ❤ You
Celebrations
Because we are happy that you are here! A work-anniversary card will be sent to celebrate YOU!
Annual Performance Merit Increase
Account-Based Employees receive a performance evaluation annually, aligned with their anniversary or employment change date. This anniversary marks the date they officially joined Instant Teams as an employee. During this evaluation, employees may also be considered for a merit increase, recognizing 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.