BEN EFITS GU I D E P L A N Y E A R : J U N E 2 0 2 6 — M AY 2 0 2 7 2026 – 2027 B E N E F I T S G U I D E
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Welcome to Your Employee Benefits Program We are proud to offer a comprehensive benefits program designed to support the health, well-being, and financial security of our employees and their families. Our benefits package is an important part of your total compensation and reflects our commitment to providing resources that help you thrive both personally and professionally. This guide provides an overview of the benefits available to eligible employees, including health insurance, retirement savings, paid time off, and employee support programs. If you have questions about any benefits described in this guide, please contact Human Resources, or the Business Office.
Here ,s where to find... Benefits at a Glance...........................................................................................................................................3 Eligibility and Enrollment.................................................................................................................................4 Medical.............................................................................................................................................................5 Dental.............................................................................................................................................................. 6 Vision...............................................................................................................................................................7 Health Savings, Health Reimbursement & Flexible Spending.......................................................................... 8 Retirement Plan............................................................................................................................................... 9 Income Protection..........................................................................................................................................10 Paid Time Off...................................................................................................................................................11 EAP & Separation........................................................................................................................................... 12 Perks & Amenities.......................................................................................................................................... 13 Contacts.......................................................................................................................................................... 14 Frequently Asked Questions........................................................................................................................... 15
2026 – 2027 B E N E F I T S G U I D E
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BENEFITS AT A GLANCE HEALTH BENEFITS
Medical, Dental, Vision, Health Savings Accounts (HSA), Health Reimbursement Accounts (HSA), Flexible Spending Accounts (FSA)
FINANCIAL BENEFITS
Retirement Plan (403(b)), Life Insurance, Paid Family Leave, Long Term Disability
TIME OFF & ASSISTANCE
Paid Time Off, Holidays, Employee Assistance Plans
ADDITIONAL BENEFITS
See Perks and Amenities
These programs are designed to help you and your family stay healthy, financially secure, and supported throughout your career.
2026 – 2027 B E N E F I T S G U I D E
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ELIGIBILITY AND ENROLLMENT Who Is Eligible for Benefits
Qualifying Life Events
Employees who work 30 hours or more per week are eligible to enroll in benefits.
Examples include:
Eligible Dependents
• Divorce
You may also enroll eligible dependents, including: • Legal spouse
• Marriage
• Birth or adoption of a child • Loss of other coverage • Change in dependent eligibility
• Domestic partner (if applicable)
Benefit elections must typically be made within 30 days of the life event.
• Dependent children under age 26
When Coverage Begins
How to Enroll
Benefits typically begin on your hire date, unless otherwise specified. The benefit year spans from June 1 to May 31.
When You Can Enroll
Utilize www.employeenavigator.com to enroll in or adjust benefits such as health insurance, dental insurance, vision, life insurance, HSAs, HRAs, and Flexible Spending Accounts.
You may enroll in benefits during the following times: • Within 30 days of your hire date • During annual open enrollment (May) • After a qualifying life event
2026 – 2027 B E N E F I T S G U I D E
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MEDICAL The School offers Cigna Open Access Plans. Key features of the OAPs include no referral requirements, no mandatory primary care provider (PCP) requirement, and access to a nationwide network of in-network physicians.
OPEN ACCESS PLAN
“$4,000”
“$3,200”
“$2,000”
Semi Monthly Contribution
Employee/Family
Employee/Family
Employee/Family
$126.58/$325.69
$132.04/$339.19
$141.21/$362.87
Eaglebrook HSA/ HRA contribution
$2,800/$5,250
$2,240/$4,480
$1,400/$2,800
Deductible
$4,000/$7,500
$3,200/$6,400
$2,000/$4,000
Emergency Room
$0 after Deductible
$0 after Deductible
$0 after Deductible
Office Visit Copay
$0 after Deductible
$0 after Deductible
$0 after Deductible
Preventative Care
100% Covered
100% Covered
100% Covered
Out-of-Pocket Maximum
$7,500/$15,000
$6,000/$12,000
$5,000/$10,000
2026 – 2027 B E N E F I T S G U I D E
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DENTAL The school utilizes DR Administrative Services, Inc. as the claims administrator for its dental program.
Employee
Employee +1
Family
$15
$23.50
$32.50
Monthly Contribution
Summary The first $125 of dental expense is reimbursed at 100%. Then a $50 deductible is applied. Then 70% to the annual maximum of $1,800. Orthodontic Benefit is part of the dental.
How to file a dental claim: Submit a claim form in one of the following manners: Mail: DR Administrative Services, Inc. PO Box 880458 Port St. Lucie, FL 34988-0458 Electronically: Payer ID: DRAD1 Email: claims@dradmin.com Fax: 1-888-791-1313 Phone: 888-791-3737
2026 – 2027 B E N E F I T S G U I D E
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VISION Cigna covers an in-Network exam every 12 months. The School offers additional Vision coverage through EyeMed to help pay for routine eye care and corrective lenses.
Monthly Contribution
Employee
Employee +1
Family
$3.96
$7.51
$11.03
Benefits include (per insured): Frame and lenses allowance of $120 Routine exam for a $10 copay Contact lens allowance of $150 20% off balances over allowance
2026 – 2027 B E N E F I T S G U I D E
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HEALTH SAVINGS, HEALTH REIMBURSEMENT & FLEXIBLE SPENDING Health Savings Account (HSA) Employees enrolled in a High Deductible Health Plan through Eaglebrook may be eligible for an HSA. Employees with other health coverage (including Medicare, Medicaid, and Mass Health) cannot enroll in the HSA per IRS regulations. Eaglebrook will contribute to the HSA in order to partially subsidize the high deductible health insurance plans offered according to the schedule indicated in the “Health Insurance” section above. HSA Key Points
Health Reimbursement Accounts (HRA) Employees who are enrolled in the high deductible health insurance plan, and who are also ineligible for the HSA, will be enrolled in the HRA so that Eaglebrook can partially subsidize the high deductible health insurance plans offered according to the schedule indicated in the “Health Insurance” section above. HRA Key Points • Unused funds roll over each year, until the employee leaves Eaglebrook.
• Unused funds roll over each year. •E mployees can contribute up to $4,400 (individual) or $8,750 (family) (less Eaglebrook’s contribution). •E mployee contributions reduce taxable income.
•E mployees may not contribute. •Q ualified expenses are paid automatically.
• F unds grow tax-free.
Flexible Spending Accounts (FSA)
•W ithdrawals for qualified expenses are tax-free (per IRS Section 213).
An FSA is an account that allows you to set aside pre-tax money from your paycheck to pay for eligible out-of-pocket healthcare or dependent care expenses.
•C an be used to pay for various out-of-pocket health care costs in retirement, including, Medicare Part B and Part D premiums, Medicare Advantage plan premiums, Deductibles, copayments, and coinsurance under any part of Medicare, Tax-qualified long-term care insurance premiums. •T ransitions at age 65, from a strictly medical savings tool into a highly flexible retirement account, subject to certain restrictions.
FSA Key Points •A healthcare FSA can be used to pay for qualified medical expenses. Employees may contribute up to $3,400 per year. •A dependent care FSA can be used to pay for child or elder care expenses. Employees may contribute up to $7,500 per year. •A limited purpose FSA can be used for vision and dental care. Employees may contribute up to $3,400 per year. • F unds must be used within the plan year.
2026 – 2027 B E N E F I T S G U I D E
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RETIREMENT PLAN The School offers a retirement savings plan to help employees prepare for the future. Contact the Business Office for a Summary Plan Description.
Employer Match
Changing Your Contribution
After two years of school experience (at Eaglebrook or another school or combined), the School contributes 8% of your salary to the plan if you contribute 5% or more of your salary. If you are in the maintenance or dining services departments, you are entitled to a contribution of 8% from the school after two years of service without being required to make your own contributions.
Contact HR or Business Office for a Salary Reduction Form in order to change your contribution any time throughout the year.
Custodian TIAA Phone: 1-800-842-2252 Schedule a zoom: tiaa.org/schedulenow
2026 – 2027 B E N E F I T S G U I D E
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INCOME PROTECTION Life Insurance The School provides basic life insurance coverage at no cost to eligible employees through the Standard at a rate of one times annual salary up to $50,000. After the age of 65, this benefit begins to reduce. Additional, optional supplemental life insurance available for employees and dependents through the Standard. Employees are eligible to take this coverage with them when their employment at Eaglebrook ends.
Paid Family Leave The Massachusetts Paid Family and Medical Leave (PFML) program lets many workers in Massachusetts take paid time off for major life or health events. You can receive partial pay for up to 26 total weeks per year to: recover from a serious illness, bond with a new child, care for a seriously ill family member, or manage issues related to a family member’s military deployment. Contact Human Resources if you think this benefit may apply to you.
Long Term Disability Insurance (LTD) Disability insurance provides income protection for eligible employees who are unable to work due to illness or injury. You are eligible for LTD if you are actively working at least 37.5 hours per week. LTD replaces 60% of your eligible earnings subject to certain limitations after a waiting period of 90 days.
2026 – 2027 B E N E F I T S G U I D E
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PAID TIME OFF Paid time off is available for benefit eligible non-faculty employees. These employees will accrue vacation time each month. Vacation time accrues 10 or 13.33 hours per month based on an employment period of less than eight years or more than eight years. Benefit eligible non-faculty employees are awarded one personal day at the start of the year. Benefit eligible non-faculty employees accrue four hours of sick time at the start of each month.
2026 – 2027 B E N E F I T S G U I D E
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EAP & SEPARATION Employee Assistance Program (EAP) Eaglebrook has EAP programs through both Cigna (mycigna.com) and the Standard (workhealthlife.com/Standard3). EAPs can help in areas such as emotional health, home life referrals (child care, senior care, adoption, etc.), legal services (family law, estate planning, real estate concerts, etc.), addiction, and identity theft.
Separation Leaving Eaglebrook? Schedule an exit interview with Human Resources to discuss taking certain benefits with you. Leaving Eaglebrook as of July 1? Plan to enroll in benefits during open enrollment so that you are covered for the month of June. Retiring? Schedule an exit interview with Human Resources to discuss meeting with a Medicare consultant and your retirement plan benefits. Please provide your new address and contact information if applicable.
2026 – 2027 B E N E F I T S G U I D E
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PERKS & AMENITIES Unique Benefits at Eaglebrook
Professional Development Opportunities
In addition to traditional employee benefits, we are proud to offer a variety of unique workplace amenities and professional development opportunities designed to support employee wellbeing, career growth, and community.
We are committed to supporting employee learning and career growth. Employees are encouraged to pursue professional development opportunities that enhance their skills and contribute to their career advancement. Contact your manager regarding full or partial financial support.
Fitness Center
Graduate School Cost Reimbursement
Employees have access to our on-site fitness center, making it easy to stay active before work, during lunch breaks, or after the workday.
Eaglebrook supports continuing education through a graduate school cost reimbursement program for eligible employees.
Outdoor Recreation & Hiking Trails
This program helps employees pursue advanced degrees that support their professional development and contribute to the organization’s mission.
Our campus includes scenic hiking and walking trails that employees can enjoy throughout the year. Employees are encouraged to enjoy the trails responsibly and follow all posted safety guidelines.
Employees interested in participating should consult Human Resources for eligibility requirements, application procedures, and reimbursement limits.
Ski Hill
Financial Literacy Program
During the winter season, employees may enjoy access to our on-site ski hill when open and staffed.
Eaglebrook offers a Financial Literacy Program to help employees build confidence and knowledge in managing their personal finances.
Skating Rink
The program provides educational resources and workshops designed to support long-term financial wellbeing.
During the winter season, employees may enjoy access to our on-site skating rink when open and staffed
Topics May Include • Budgeting and personal financial planning
Indoor Pool
• Retirement planning and investment basics
During the school year, employees may enjoy access to our on-site pool when open and staffed.
• Understanding workplace benefits • Saving for major life goals • Tax and financial planning strategies
Complimentary Meals To support employee wellbeing and convenience, complimentary meals including regionally sourced ingredients are available to employees during the workday.
These sessions may be offered through workshops, seminars, online resources, or guest speakers. Employees are encouraged to participate in these programs to strengthen their financial knowledge and planning skills.
2026 – 2027 B E N E F I T S G U I D E
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CONTACTS Benefit
Provider
Contact Information
Health
Cigna
mycigna.com 866-494-2111
Dental
Dr Admin
dradmin.com 888-791-3737
Vision
EyeMed
eyemed.com 866-939-3633
H.S.A. Bank
mycigna.com 866-494-2111
Cigna
mycigna.com 866-494-2111
Health Equity
healthequity.com 866-346-5800
TIAA
tiaa.org 800-842-2252
The Standard
thestandard.com 800-628-8600
Cigna
mycigna.com
The Standard
workhealthlife.com/Standard3 888-293-6948
Health Savings Account (HSA) Health Reimbursement Account (HRA) Flexible Spending Accounts (FSA) Retirement Life Insurance, PFMLA, Long Term Disability EAP - Cigna
EAP - The Standard
2026 – 2027 B E N E F I T S G U I D E
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FREQUENTLY ASKED QUESTIONS What can I do in the Checkwriters Application?
How can I change my retirement plan contributions?
• Change tax withholdings
•E mail HR or BO to get a Salary Reduction form and return the form to the BO.
• Change my direct deposit • Download a W-2 • Request paid time off (vacation, sick, etc.)
What can I do on the Employee Navigator website?
Who should I tell about a change of address? • Email the BO and update Checkwriters or Employee Navigator
• Enroll in or change benefits
How can I get a new dental card?
• Find detailed plan documents for each health and wellness benefit in the “Documents” section.
• Call Dr Admin
Where can I find more information?
When will I receive my health insurance card?
• Find detailed plan documents for each health and wellness benefit in the “Documents” section.
• I nsurance cards are generally sent to the individual listed as the primary within 30 days.
• Dental claim form - HR tile on the resource page, |DR Admin website, email HR or Business Office (BO). • Information about “grandfathered benefits” can be found in the Employee Handbook. • Email HR or BO for a summary plan description of the retirement plan.
How can I prove I have health insurance if I haven’t received my card? • Printable versions of the cards are usually available on the Cigna website within a week of signing up for the insurance.
2026 – 2027 B E N E F I T S G U I D E
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2026 – 2027 B E N E F I T S G U I D E
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