Basic Life and AD&D Insurance is employer-paid and provides a benefit of 1x your salary, up to $150,000.

If you want added protection, you can purchase Voluntary Life and AD&D Insurance for yourself, your spouse, and/or your dependent child(ren). Your cost for this coverage is based on the amount you elect and your age.  

You must purchase Voluntary Life and AD&D insurance for yourself to purchase spouse and/or dependent child(ren) coverage. If you did not enroll in this coverage when you were first eligible, you will be subject to medical underwriting. Voluntary Life and AD&D coverage is 100% employee-paid.

• Employee: Coverage is available in increments of $10,000, up to $500,000, with a guaranteed issue amount of $250,000. For elections above $250,000, you will be asked medical questions, referred to as Evidence of Insurability (EOI).
• Spouse: Coverage is available in increments of $5,000, up to $500,000. The guaranteed issue for spouses is $50,000.
• Dependent child(ren): Coverage from birth to six months is $500. Coverage from six months to 26 years is $10,000. The guaranteed issue for dependent child(ren) is the full amount.

Note: Benefits reduce to 65% at age 70 and 50% at age 75.  

Short-Term Disability is 100% company-paid. The STD benefit is 60% of your earnings up to $1,500 per week. Benefits begin on the first day for accidents and on the eighth day for illnesses and last up to 13 weeks.

Note: Hourly employees are subject to a one-year waiting period before STD coverage begins.   

Long-Term Disability is 100% employee-paid. If you do not enroll in LTD when you are first eligible, you will be subject to medical underwriting. The LTD benefit is 60% of your earnings up to $10,000 per month. Benefits begin on day 91 after an accident or illness, or when STD benefits end. Benefits end at Social Security Normal Retirement Age (SSNRA). 

Note: STD and LTD benefits are offset by other income you are eligible for, including but not limited to state disability plans, Worker’s Compensation, and Social Security. Your weekly or monthly benefits are subject to federal income tax and may be subject to state and local taxes. 

Contributions: There are two ways you can contribute to the 401(k) Plan, and you can change your contribution at any time:  

• Pre-tax – Contributions are taken pretax, which means they are not taxable to you until they are withdrawn from the Plan. 
• Roth – Contributions are taken post-tax, which means the withdrawals in retirement are tax-free. 

Company Match: Opensity Solutions matches your contributions 25% for every $1 up to 8% of your pay after one year of service. Opensity Solutions provides the employer contribution annually. You must be employed on December 31st each year to receive the full employer contribution. 

Vesting: The company contributions are 100% vested after three years of service. 

• For 2026, the most you can contribute to a Roth or Traditional 401(k) (or a combination of the two) is $24,500. 
• If you are age 50 or older, you may defer an additional $8,000 in 2026 (known Catch-Up Contributions) for a total maximum of $32,500. 
• If you’re ages 60 to 63, you can contribute an additional $11,250 in catch-up contributions, for a total maximum of $35,750. 

• All full-time employees are eligible after 12 months of service. 
• Covered expenses include tuition, required textbooks and lab fees.
• Courses taken through accredited universities toward a bachelor’s or graduate degree are eligible.
• You may be reimbursed up to $5,250 a year (or your local currency equivalent). 

1. Get approval. You’ll need to request approval before you begin the course and submit to your manager and leadership. 
2. Get down to business. Complete your course at an accredited institution. 
3. Get reimbursed. Submit your final grades and receipts. Opensity Solutions provides reimbursement on a sliding scale for courses completed with a grade of C or above. 

Note: Participants are asked to remain with the company for 12 months following their last reimbursement.