2026 Benefits & Coverage

Everything you need to understand, compare and make the most of your Asurion benefits.

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HSA & Savings

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Part-time Healthcare

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HSA Match

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Financial Security

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Flexible Spending

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Extra Health Perks

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Medical Plans

Compare UnitedHealthcare's Essential PPO, CDHP with HSA, and Enhanced PPO. Kaiser available in select regions.

Compare plans →

Financial Security

HSA, FSAs, 401(k), Life Insurance, Disability, and more — protect your financial future.

Learn more →

Extra Health Benefits

Healthcare advocacy, family planning, EAP, heart health, diabetes management and more — at no cost to you.

Explore benefits →

📱 Download the Alight Mobile App

Text Benefits to 67426 to have a link sent to your phone. Access all your benefits functions on the go. (Set your "Primary Phone" in Workday as your mobile number for full functionality.)

📅 Annual Benefits Enrollment Meetings

Register in Asurion Learning for enrollment meetings. You'll receive a confirmation email with details on how to join.

Exploring Your Options

Choose the healthcare coverage that aligns with your needs and life situation.

You have three plan options, all through UnitedHealthcare's broad network, giving you flexibility and wide access to providers.

UnitedHealthcare Plans

Bronze

United Essential PPO

What it is: Copay plan that leverages a Preferred Provider network.

Who it fits: Perfect for individuals and families who prefer a lower premium with the trade-off of a higher deductible.

Fun fact: Only 17% of subscribers in our most affordable option reached their deductible last year.

Silver

United CDHP with HSA

What it is: Consumer-directed health plan that works with a Health Savings Account (HSA).

Who it fits: Perfect for both high and low users of the medical plan, especially those who want to save tax-advantaged funds.

Fun fact: Through the HSA match from Asurion, you can more easily cover your out-of-pocket costs under the CDHP.

Gold

United Enhanced PPO

What it is: Copay plan that leverages a Preferred Provider network.

Who it fits: Great for those who don't mind paying extra premiums for lower deductibles, out-of-pocket maximums and PCP copayments.

Tip: Contributing pre-tax money to a Flexible Spending Account is a smart way to pay less out of pocket toward your deductible.

Kaiser HMO — Limited Areas

For those who prefer a more integrated care model (HMO), Kaiser is available in six regions through its narrow network. Kaiser plan provisions vary by region. Check your eligibility for Kaiser coverage on the ABC.

Ready to compare?

View the full plan comparison chart →

Healthcare Plan Basics

Our three medical plans all include prescription drug coverage and free preventive care.

Each plan works with a pre-tax savings account — either a Flexible Spending Account or Health Savings Account. It's important to understand some basics.

Deductible

Your deductible is a flat dollar amount of covered healthcare expenses that you pay out of pocket before expenses are shared through coinsurance. Note that premiums do not count toward the deductible.

	Individual	Family
Essential PPO	$4,000	$8,000
CDHP with HSA	$2,500	$5,000
Enhanced PPO	$1,000	$2,000

True Family Deductible (CDHP)

The CDHP features a True Family deductible, which means that if you cover any dependent(s), you must meet the full Family deductible before coinsurance begins for any covered individual.

Coinsurance

When your covered healthcare expenses exceed the deductible, you and the plan begin sharing the cost. In all three options, your in-network coinsurance is 20%.

Out-of-Pocket Maximum

The out-of-pocket maximum is the total amount you could pay within a plan year for eligible medical care and prescriptions. Once you reach this maximum, the plan pays 100% of covered services for the rest of the year.

	Individual	Family
Essential PPO	$8,000	$16,000
CDHP with HSA	$5,000	$10,000
Enhanced PPO	$3,500	$7,000

Copays

Copays are a fixed amount for a covered service collected when you see your provider (unless you have the CDHP).

	PCP (Primary Care)	Specialist	Urgent Care
Essential PPO	$30	$50	$60
CDHP with HSA	Deductible, then coinsurance
Enhanced PPO	$25	$50	$50

In-Network vs. Out-Of-Network

Using in-network providers is a smart strategy for keeping your healthcare costs as low as possible. Out-of-network providers are not held to the same pricing guidelines. Consider this example for an ACL knee injury:

	In-Network	Out-of-Network
Provider Billed	$10,000	$10,000
Network Discount	$6,500	Not applicable
Amount Allowed	$3,500	$4,200
Health Plan Paid	$2,800	$3,360
Your Responsibility	$700	$6,640 (incl. balance bill)

Qualifying Life Event (QLE)

Annual Enrollment is the only time you're permitted to make changes to your coverage unless you experience a qualifying life event. Examples include: birth/adoption of a child, marriage or divorce, or a dependent becoming eligible or ineligible for coverage. QLE benefit changes must be made within 30 days of the event.

Just in Case — Voluntary Coverage

Asurion offers voluntary benefits to round out your coverage. Learn more about Accident, Critical Illness and Hospital Indemnity voluntary coverage options.

I've Enrolled – What's Next?

Get more out of your coverage with these important next steps.

What to do	Why you should do it	Where to find it
Verify newly added dependent(s)	Documentation is required. Otherwise, your new dependent won't be added to your medical coverage, and there won't be another opportunity until Annual Enrollment (unless you have a qualifying life event).	After submitting enrollment, you'll see a task in your To-Do List on the ABC home page. Reach out to the ABC (844.968.6278) with questions.
Download your insurance carrier's mobile app	If you haven't received your ID card, you can download your carrier's app for easy access to your ID card, claims information and telemedicine provider.	Download from Apple or Android app store. You'll need to create a username and password.
Adjust your Health Savings Account balance	Your contributions are too low or too high? You can adjust anytime during the year.	Visit the ABC.
Report a life event	You've added a child, gained other coverage, or changed your marital status. You've got 30 days to act!	Visit the ABC.

Medical

Three medical plan options to choose the one that best meets your health and wallet needs. Prescription coverage included with all plans.

United Essential PPO

Choose this plan if: You want low per-paycheck contributions and like predictability — knowing exactly what you'll pay when you see a provider (copays).

Paycheck Premiums	Copays	Deductible	Healthcare Savings
Log in to the ABC to see premiums	PCP: $30 \| Specialist: $50	Employee: $4,000 \| Family: $8,000	FSA annual limit: $3,300

A Flexible Spending Account may be a smart way to manage your out-of-pocket healthcare expenses. Remember, FSA funds must be used annually or forfeited.

United CDHP with HSA

Choose this plan if: You want low premiums, don't expect to use a lot of medical services, AND want to save money for healthcare expenses in a pre-tax Health Savings Account.

Paycheck Premiums	Copays	Deductible	Healthcare Savings
Log in to the ABC to see premiums	You pay full cost until deductible is met	Employee: $2,500 \| Family: $5,000	HSA annual limit: $4,400 (individual) / $8,750 (family) — includes Asurion match

1

CONTRIBUTIONS

Are pre-tax (so your gross pay is lower for tax purposes)

2

INTEREST

Accrues untaxed — your balance grows over time

3

EXPENDITURES

For qualified expenses are completely tax-free

United Enhanced PPO

Choose this plan if: You want a low annual deductible in exchange for higher premiums, and like predictability in your costs.

Paycheck Premiums	Copays	Deductible	Healthcare Savings
Log in to the ABC to see premiums	PCP: $25 \| Specialist: $50	Employee: $1,000 \| Family: $2,000	FSA annual limit: $3,300

Comparing Plans

Compare your paycheck premiums for Asurion's 2026 healthcare plans. Contact the ABC for the access code.

	United Essential PPO	United CDHP with HSA	United Enhanced PPO
Closest 2025 Plan	Bronze	Silver	Gold
Deductible (Ind/Fam)	$4,000 / $8,000	$2,500 / $5,000	$1,000 / $2,000
Coinsurance	20%	20%	20%
Out-of-Pocket Max (Ind/Fam)	$8,000 / $16,000	$5,000 / $10,000	$3,500 / $7,000
PCP / Specialist	$30 / $50	Deductible, then coinsurance	$25 / $50
Urgent Care	$60; no deductible	Deductible, then coinsurance	$50; no deductible
Emergency	$300, then deductible/coinsurance	Deductible, then coinsurance	$300, then deductible/coinsurance
Generic Rx	$10	$0 Preventive; otherwise deductible	$10
Preferred Brand Rx	$30	Deductible, then coinsurance	$30
Non-Preferred Brand Rx	$50	Deductible, then coinsurance	$50
Specialty Rx	$100	Deductible, then coinsurance	$100
GLP-1 (weight loss)	$150	Deductible, then coinsurance	$150
FSA Available?	Yes	Dental & Vision FSA only	Yes
HSA Available?	No	✅ Yes	No
Asurion HSA Match?	No	✅ Yes	No

Medical Coverage Perks

Real Appeal

Participants automatically get free access to this proven online weight management support program.

OnePass

Choose a membership tier that fits your lifestyle for whole body health in one affordable physical fitness and total body wellbeing plan. (Some state restrictions apply.)

Not feeling well?

See our guide to choosing the right level of care →

Kaiser Medical Plans

Kaiser HMO plans available in six regions for those who prefer integrated care.

Kaiser is available in six regions through its narrow HMO network. Kaiser plan provisions vary by region. Check your eligibility for Kaiser coverage on the ABC.

Regions Served

Kaiser HMO coverage is available in select areas. Please log in to Asurion Benefits Central to verify your eligibility based on your location.

Kaiser Plan Options

Similar to the UnitedHealthcare options, Kaiser offers three plan tiers:

Essential

Kaiser Essential HMO

Lower premium option with standard deductible and copays. Works with a Healthcare FSA.

CDHP

Kaiser CDHP with HSA

Consumer-directed plan with HSA eligibility and Asurion matching contributions. Works with a Dental & Vision FSA.

Enhanced

Kaiser Enhanced HMO

Higher premium option with lower deductible and out-of-pocket costs. Works with a Healthcare FSA.

Note on HMO Coverage

As an HMO, Kaiser requires you to use Kaiser network providers and facilities. You must select a Kaiser primary care physician who coordinates your care.

Prescriptions

Prescription coverage is included with your medical plan. You will receive a single ID card.

Formulary

All pharmacy benefit partners use a regularly updated list of medications called a formulary to inform participants which prescriptions are considered preventive (and often free), preferred, or requiring special authorization to fill. You always may ask your doctor or pharmacist whether a lower-cost alternative prescription is available.

Generic versus Brand Medications

Generic medications are proven to hold the same potency and results as brand equivalents. Whenever they're available, generic medications are substituted for brand medicines unless your doctor indicates "Dispense as Written" on the prescription. If either you or your doctor requests a brand-name medicine when a generic is available, you are responsible for paying the cost difference.

Step Therapy

Step therapy is a strategy a doctor may use when a patient starts taking certain medications. Monitoring the patient's results with the medication before changing the dose or the prescription may be necessary, especially if a medication could be costly or cause undesirable side effects.

Prescriptions in the CDHP

If you're enrolled in the CDHP, prescriptions are subject to the medical plan deductible — you pay the full cost of non-preventive medications until you reach the annual deductible. Preventive generic medications are $0 under the CDHP. You can use your Health Savings Account to pay for prescriptions.

Maintenance Medications

Maintenance medications are prescriptions intended to be taken regularly for more than 90 days. You may receive up to two 30-day refills at a network retail pharmacy, but you must then request a 90-day prescription filled via mail order through Optum. Otherwise, you are responsible for the full cost.

Participants with Diagnosed Medical Conditions

Optum is integrated with Livongo for diabetes and Hello Heart for hypertension care. For patients with serious health concerns, an individualized care plan is available, including a concierge service to schedule and coordinate medical appointments and help monitor prescription adherence.

Dental

Dental care is an important part of an overall preventive care strategy. Lack of good dental hygiene has been linked to heart attack and stroke.

Dental Plan Options

Compare paycheck premiums for Asurion's 2026 dental plans. Contact the ABC for the access code.

	Standard	Select	Premium
	Basic PPO, no major services, no orthodontia	Basic PPO, covers major services, orthodontia for children under 19	Basic PPO, covers major services, orthodontia for children & adults
Diagnostic & Preventive	100% covered, no deductible	100% covered, no deductible	100% covered, no deductible
Basic Services (fillings, extractions, etc.)	You pay 20% after deductible	You pay 20% after deductible	You pay 20% after deductible
Major Services (crowns, implants, etc.)	Not covered	You pay 40% after deductible	You pay 20% after deductible
Orthodontia	Not covered	You pay 50%; children under 19 only	You pay 50%; children and adults
Annual Deductible (Ind/Fam)	$100 / $300	$100 / $300	$50 / $150
Annual Maximum	$1,000	$1,500	$2,500
Orthodontia Lifetime Limit	Not covered	$1,500 per person	$2,000 per person

How to Choose

What you'll pay for coverage is just one consideration. Think about whether you have kids (who often need braces), and consider your family's dental history — if a parent or sibling has needed dental services, there's a good chance you may too.

Paying for Dental Coverage

Your premiums are deducted from your paycheck before taxes. You can pay your deductible and coinsurance with a Healthcare FSA, HSA (CDHP only), Dental and Vision FSA (CDHP only), or personal debit/credit card.

Dental Coverage Perks

Amplifon

Get a free hearing assessment and up to 68% off hearing aid options.

Virtual Visits

Consult with dentists remotely for the diagnosis and treatment of minor issues up to twice per year at no extra cost.

Special Healthcare Needs

Extra dental cleanings and treatment delivery modifications available to patients with special needs.

Healthy Smile, Healthy You

Additional benefits for members who are pregnant, or who have chronic conditions such as cancer, diabetes, or kidney disease.

Vision

Vision care is an important part of preventive health. An eye exam can detect diabetes, high blood pressure, and even some cancers.

Vision Plan Options

	Standard	Select	Premium
	Exam-only; in-network discounts for materials	Covers in- and out-of-network care	Covers in- and out-of-network care
WellVision Exam	100% covered	You pay $20	You pay $10
Frames (once/year)	Discount may apply	$130 allowance; $150 featured brands	$200 allowance; $220 featured brands
Lenses (once/year)	Discount may apply	You pay $20	You pay $10
Standard Progressive Lenses	Discount may apply	$0	$0
Contact Lenses	Discount may apply	$130 allowance	$200 allowance
Contact Lens Exam	Discount may apply	You pay $20	You pay $10

How to Choose

Consider whether you have kids (who often need glasses), and think about your family's eye health history.

Paying for Vision Coverage

Premiums are deducted before taxes. Pay your costs with a Healthcare FSA, HSA (CDHP only), Dental and Vision FSA (CDHP only), or personal debit/credit card.

Vision Coverage Perks

Essential Medical Eye Care

Extra visits covered with a $20 copay for issues like pink eye, object in eye, dry eye, and diabetic eye disease.

TruHearing

Hearing assessment and up to 60% off hearing aids and low-cost batteries delivered to your home.

Eyeconic

Shop online for glasses, contacts and other supplies. Pay with a pre-tax healthcare account to save even more.

Healthcare Options for Part-time Employees

Employees who work less than 30 hours per week may choose among a Basic, Enhanced, or Enhanced Plus Plan through Aetna.

The Aetna medical coverage option for part-time employees is not a major medical plan but provides benefits and discounts to help reduce your out-of-pocket medical costs. Fixed benefits are paid for appointments, imaging, prescriptions and hospital services.

Log in to Asurion Benefits Central to see your costs and benefit options.

Part-time Benefits at a Glance — Aetna Plan

Benefit	Basic	Enhanced	Enhanced Plus
Hospital Admission (max 2/year)	$500	$700	$1,100
ICU Admission (max 2/year)	$1,000	$1,400	$2,200
Hospital Daily (day 2+, max 365/year)	$200/day	$500/day	$7,500/day
ICU Daily (day 2+)	$400/day	$1,000/day	$2,200/day
Inpatient Surgery (max 2/year)	$200	$450	$675
Outpatient Surgery (hospital/ASC)	$200	$450	$675
Doctor's Office / Urgent Care (max 7/year)	$50	$70	$90
Telemedicine / Walk-in (max 7/year)	$25	$35	$60
Emergency Room (max 2/year)	$100	$275	$475
X-ray & Lab (max 3/year)	$25	$50	$100
Prescriptions (max 12/year)	$20/day	$45/day	$65/day
Ground Ambulance	$100	$100	$100
Air Ambulance	$500	$500	$500

Key Benefits of Part-time Coverage

Enrollment is guaranteed with no eligibility screening
Negotiated group rates and in-network discounts for common services
Prescriptions filled at discounted rates through 96% of retail pharmacies
Eligible family members can be covered
Premiums through convenient payroll deduction
Coverage is portable — take it with you if you leave Asurion

Dental Coverage (Part-time)

Benefit	Amount
Maximum benefit per coverage year	$500
Deductible per coverage year	$50
Preventive services	Member pays up to 20% (no waiting period)
Basic services	Member pays up to 40% (3-month waiting period)
Major services	Member pays up to 50% (12-month waiting period)

Vision Coverage (Part-time)

Benefit	Amount
Maximum benefit per coverage year (exams, frames, lenses, contacts)	$100

Managing Healthcare Costs

You're investing money in your healthcare along with Asurion. Use your benefits efficiently and wisely.

Priority #1: Always get care in-network!

Steps to Keep Costs Low

1. Establish a relationship with an in-network PCP

The first visit with a new doctor costs up to 50% more than a return visit. Avoid multiple first-time-visit charges by seeing one PCP who can get to know you personally and help manage your health.

TIP: If you use your free annual physical for your first visit with a new doctor, you can avoid the higher first-visit costs altogether.

2. Take advantage of free preventive care

The Affordable Care Act requires that medical plans cover 100% of the cost of annual physicals and other age- and gender-appropriate preventive screenings, such as well-child exams, mammograms, colonoscopies and prostate screenings — whether or not you've met your deductible.

3. Use telemedicine instead of seeing your PCP

Online consultations with board-certified doctors cost about the same as a PCP office visit without traffic or waiting rooms. Telemedicine is available 24/7 for non-emergent health concerns, including mental health, through your phone, computer or tablet.

4. Avoid getting care at a hospital (except for true emergencies)

Get X-rays, MRIs, CT scans and other imaging tests at independent facilities. Non-hospital-affiliated imaging centers can provide identical services for a fraction of the cost.

TIP: A non-emergency ER visit can cost you hundreds of dollars more than a PCP office visit. Consider telemedicine or urgent care whenever possible.

5. Use generic medications where possible

Generic medications meet the same high FDA standards and contain the same active ingredients, strength, safety standards and quality. Ask your doctor to prescribe a generic medication whenever possible.

6. Locate your closest in-network urgent care center

Urgent care and walk-in clinics provide a convenient, lower-cost alternative for non-emergency care after hours and on weekends.

7. Use specialists only when referred by your PCP

Specialists can charge more than double the cost of a typical office visit. Also, make sure your PCP refers you to an in-network specialist.

8. Use national laboratory groups for blood tests

Similar to choosing your pharmacy, you can ask for a written lab order and take it to the lab of your choice. National laboratory groups have significantly lower prices.

9. Max out your healthcare savings

The tax advantages available through FSAs and HSAs are hard to beat. Even if you're a healthy person, unexpected healthcare needs can pop up anytime. Prepare now!

I'm Not Feeling Well — Where Should I Go?

Save your money by choosing the right level of care.

Medical Resource	Best For	Availability	Cost
Telemedicine	Allergies, colds, fever, diarrhea, ear infection, eye irritation, sinus infections, rashes, mental healthcare	24/7/365 — video and phone consultations from board-certified physicians	$
Retail Health Clinic (CVS, Walgreens, Target)	Cough, minor allergic reactions, minor burns, minor cuts, sore throat, vaccinations	Usually 9am–5pm every day	$–$$
Doctor's Office	Any non-emergency health issue, or maintenance of a diagnosed condition	Usually M–F, 9am–5pm with some extended hours	$$
Urgent Care Center	Animal bites, back pain, nausea/diarrhea, non-life-threatening allergic reactions, sprains, stitches	Extended hours and weekends	$$$
Emergency Room	True emergencies: bleeding, broken bones, difficulty breathing, extreme pain, fainting	24/7/365	$$$$

Remember: A non-emergency ER visit can cost hundreds of dollars more than urgent care or telemedicine. Always start with the lowest-cost option appropriate for your situation.

Extra Health Benefits

Why stop at "basic"? These company-provided and buy-up options help you live your best life.

Healthcare Advocacy

Navigating complex healthcare and insurance-related issues can be a challenge. Don't do it alone — reach out for personalized support from experts at no cost to you.

Patient Care Advocates can help resolve healthcare claims and billing issues, locate the right in-network provider for you or a dependent, and explain your coverage and benefits or a diagnosis and treatment plan.

Second Opinion Services

Facing a serious diagnosis or treatment decision? Health Advocate's Second Opinion service helps you make more informed, confident decisions about your care. A second opinion may uncover new treatment options, or in some cases, a different diagnosis.

Personalized support throughout the process
Coordination, including identifying appropriate specialist physicians
Review of your medical coverage related to the second opinion
Assistance with collecting and transferring medical records
Scheduling support for consultations (in person or virtual)

You'll receive a confidential second opinion report from the specialist. Available to employees, spouses, dependents, parents, and parents-in-law.

Family Planning

Whether your goal is to start a family, have a healthy pregnancy, navigate the early years of parenthood, or just track your health, our family planning vendor partner's maternity and family benefits are here for you.

You'll have access to a registered nurse health coach and personalized daily articles and tips. Support is available for your partner too!

Adoption Assistance Program

Provides financial assistance with the costs associated with adopting a child (available to employees working 30+ hours/week with 60+ days of employment). Not available for stepchildren or blood-relative adoptions.

Years of Service	Reimbursement per Adoption	Lifetime Maximum
1–4 years	$2,500	$5,000
5+ years	$5,000	$10,000

Apply at Asurion Benefits Central → Reimbursement Accounts → Adoption Account. Decisions within 10 business days.

Child and Elder Care Discounts

Discounts on elder care, including independent living and memory care
Discounts on childcare
In-depth access to caregivers' profiles
Digital access to empower employees to resolve caregiving challenges
Medication and appointment tracking for elders

Employee Assistance Program (EAP)

Life is hard. Finding help for your emotional wellbeing shouldn't be. The EAP is available to all U.S. employees and your household dependents — for anxiety, stress, depression, work-life balance, relationship issues and similar concerns, as well as legal needs, identity theft, financial issues, and child, elder and pet care. At no cost to you, without stigma.

How to Get Started

Visit asurion.lyrahealth.com
Complete a brief questionnaire to receive your personalized recommendations
Review high-quality providers that meet your needs
Book appointments online with your coach or therapist, or tap into self-guided apps
Start feeling better in just a few sessions

Heart Health

Through a nationally ranked cardiovascular health partner, Asurion offers an easy-to-use app-based blood pressure program that allows you to track, manage and improve your blood pressure from the privacy of your phone — at no cost to you! You can even email a report directly to your physician.

Diabetes Management

Asurion offers an app-based diabetes management program that provides:

A free advanced glucose meter, unlimited test strips and supplies
Expert coaching from certified diabetes coaches — at no cost
Real-time support when your readings are out of range
Expert coaching on nutrition and lifestyle
Easy sharing of health reports with your doctor and loved ones

Financial Security

Peace of mind comes from knowing that you're prepared for the future. Take the time to plan using these tools and resources.

Health Savings Account →

Triple tax-advantaged savings with Asurion matching contributions. Available with the CDHP plan.

Flexible Spending Accounts →

Pre-tax savings for healthcare, dependent daycare, and commuter expenses.

Life and AD&D Insurance

You are valuable! Asurion provides Basic Life and AD&D coverage to all employees who work 30+ hours per week, and offers a buy-up option for more protection.

Basic Life and AD&D Insurance

Eligible employees are automatically enrolled. Coverage equals 1x your base salary, rounded to the nearest $1,000, with a maximum of $200,000. Asurion pays the full cost.

Life insurance above $50,000 is taxed by the federal government. The value of the premiums as determined by the IRS is reported as imputed income.

Supplemental Life & AD&D Options

	Supplemental Life	Supplemental AD&D
Employee	1–10x base annual salary; max $2.5 million	1–10x base annual salary; max $2.5 million
Spouse	Max $250,000	50–60% of employee amount; max $250,000
Child (per child)	Up to $20,000	10–15% of employee amount; max $25,000

Use Benefit Scout™ to find out how much insurance you need and see your rates at LifeBenefits.com/Asurion.

Voluntary Medical Coverage

Accident, Critical Illness, and Hospital Indemnity insurance provide cash payments directly to you if you or a covered dependent suffers a qualifying condition. Learn more about these Extra Benefits →

Short- and Long-Term Disability

Short-term and long-term disability insurance replaces a portion of your income while you are recovering from an illness or injury. Asurion provides core STD and LTD automatically. If you have five years of service, you are automatically enrolled in the STD and LTD Buy-up options at no cost.

Short-term Disability	% of Base Pay	Maximum
Basic STD	50%	$5,000/week
STD Buy-up	70%	$7,000/week

Long-term Disability	% of Base Pay	Maximum
Basic LTD	50%	$20,000/month
LTD Buy-up	66⅔%	$20,000/month

401(k) Retirement Savings

Save for retirement and get a company match through the Asurion 401(k) savings plan. Contribute pre-tax dollars (traditional) or after-tax (Roth), up to IRS limits.

As a new hire, you're automatically enrolled at 3% of your pay once eligibility requirements are met
After your first year of service, Asurion matches 100% on the first 3% you contribute, and 50% on the next 2%
You can make changes to contributions anytime
You're always 100% vested in your contributions and company match contributions

Visit principal.com or call 800.547.7754 to manage your account, designate beneficiaries, change elections, and more.

Retire Secure — Free Financial Planning

Asurion has engaged financial planners to help guide you toward the right saving and investing approach. Take advantage of one-on-one virtual meetings with a retirement expert at no cost.

principal.com/Milestones — Financial topics of interest
principal.com/Virtual1on1 — Sign up for a one-on-one meeting

Credit Union

Asurion has partnered with Alliant Credit Union to offer you the perks of an online credit union membership.

$5 joining fee — and Asurion pays it for you
High-rate savings with no monthly fees
High-rate checking
Teen checking programs
Low-rate loans
Access to 80,000+ fee-free ATMs
Award-winning mobile app
Compatibility with Apple Pay, Google Pay and Samsung Pay

Learn more and enroll at AlliantCreditUnion.com/Asurion or call 800.328.1935.

Health Savings Account

An HSA is a special account where you can save money for medical, prescription, dental and vision needs.

A Health Savings Account (HSA) is a tax-advantaged account where you save money to pay qualified healthcare expenses, as defined by the IRS. An HSA is available only with the CDHP with HSA.

2026 IRS-Approved Limits & Asurion Match

	Individual Coverage	Employee + Dependent(s)
IRS Annual HSA Contribution Limit	$4,400	$8,750
Asurion Match	$0.50 per $1, up to $500	$0.50 per $1, up to $1,000
If you contribute at least...	$1,000	$2,000
Asurion contributes...	$500	$1,000
Maximum Employee Election	$3,900	$7,750
Maximum Employee Age 55+ (catch-up)	$4,900	$8,750

Your HSA, Your Future

Your full HSA balance rolls over forever! You may use it today, tomorrow, and in retirement — totally tax-free!

Triple Tax Advantage

1

CONTRIBUTIONS

Are pre-tax — your gross pay is lower for tax purposes

2

INTEREST

Accrues untaxed — your balance grows tax-free

3

EXPENDITURES

For qualified expenses are completely tax-free

Three Ways to Use Your HSA

💳

USE IT NOW

Pay your deductible and coinsurance immediately

🏦

SAVE IT

For planned or unplanned future needs — balance rolls over year to year forever

📈

GROW IT

Invest your balance for use in retirement — like a 401(k) for healthcare

Consumer Directed Health Plan (CDHP)

A CDHP is a specially designed plan that puts you, as the consumer of healthcare, in the driver's seat. The key differences from a traditional PPO are:

Copayments vs. Coinsurance: In a PPO you pay a copayment to see a provider. In the CDHP, you pay all of your cost of care out of pocket until you reach the deductible.
HSA Access: The CDHP allows you to use a Health Savings Account. If you save per paycheck, you'll be ready if high healthcare costs hit.

Can I Have an HSA and FSA?

Yes! If you choose the CDHP with HSA, you may also open a Dental and Vision FSA — because you'll use your HSA for medical and prescription expenses.

Health Savings Account (HSA)	Dental & Vision FSA
Available only with the CDHP with HSA. ✅ Unused balance rolls over year to year. ✅ Use now, save for later, or invest. ✅ Covers medical, Rx, dental, and vision expenses.	Available only with the CDHP with HSA. ⚠️ Must use the full amount or forfeit it. ✅ For dental and vision expenses only. ✅ Use during the plan year.

Flexible Spending Accounts

Save pre-tax money through payroll deductions to cover healthcare and/or dependent daycare expenses. Note: You forfeit any money not used before the annual deadline.

Healthcare Flexible Spending Account

You may save up to $3,300 in pre-tax contributions for qualifying healthcare expenses. The total amount you elect is available on January 1, but remember — use it or lose it. There is no rollover feature with an FSA.

Need help spending your FSA balance?

Check out FSAstore.com to browse an online store full of products that qualify as eligible expenses.

If you're enrolled in the CDHP with HSA, you can instead contribute pre-tax money to a Dental and Vision FSA (for qualified dental and vision expenses only).

Dependent Daycare Flexible Spending Account

Save money to cover child and elder care expenses through convenient pre-tax payroll contributions. You can use these funds to pay for preschool, summer day camp, before/after school programs, and eligible child or elder care.

Save up to $7,500 per year ($3,750 for married individuals filing separately)
You must use 100% of the money or forfeit any remaining balance
Unlike the Healthcare FSA, you must save before spending — funds are not front-loaded at the start of the year

Note for Highly Compensated Employees (HCEs)

The IRS prohibits Dependent Daycare FSA plans from favoring HCEs. If you are deemed an HCE, your election may be limited. You will be notified if there is any impact to you.

Commuter Flexible Spending Account

Pre-tax savings for eligible commuting expenses. To manage your Commuter FSA, go to Asurion Benefits Central → Reimbursement Accounts → Commuter Account.

Extra Benefits

Protect your life and those you love. Elect these benefits during Annual Enrollment — coverage continues year over year until you make changes.

Accident Insurance

Accidents can happen any time, and treatment can knock a household budget off course. With Accident Insurance, you'll receive a cash benefit paid directly to you — not your healthcare provider — so you can use the money however you want. This benefit is in addition to any costs your medical plan may pay.

For more information, visit Homebase.

Critical Illness Insurance

Getting a diagnosis for a critical illness can take you by surprise. With Critical Illness Insurance, you'll receive a lump sum payment of $7,500 to $30,000 to help offset expenses for ongoing treatments or medical needs. Coverage includes cancer, end stage renal disease, heart attack, stroke, and more.

For more information, visit Homebase.

Hospital Indemnity Insurance

Hospitalization can be expensive and have a big impact on your life. Hospital Indemnity Insurance provides a direct lump-sum payment — one convenient payment all at once — if you or a family member is hospitalized.

For more information, visit Homebase.

Legal Services

Attorney fees billed by the hour can add up quickly. The legal plan provides cost-effective access to qualified attorneys who can represent you, your spouse and dependents. Get consultations by phone or video for an unlimited number of matters. Call 800.821.6400 with questions.

Plan Features — Full Coverage of Attorney Fees

Category	Covered Matters
Money Matters	Debt collection defense, identity restoration, bankruptcy, tax audit representation, financial wellness
Home & Real Estate	Sale/purchase of home, refinancing, foreclosure defense, landlord/tenant issues, property tax
Estate Planning	Simple & complex wills, living wills, trusts, power of attorney, healthcare proxies, probate
Family & Personal	Adoption, custody, name change, reproductive assistance law, personal legal document review
Civil Lawsuits	Civil litigation defense, small claims assistance, consumer disputes, pet liabilities
Elder Care	Medicare/Medicaid, nursing home agreements, powers of attorney for parents
Traffic & Other	Traffic ticket defense (excludes DUI), license suspension, driving privileges restoration

Also includes Family First Caregiving Services, digital estate planning tools, and 4 additional hours for non-covered matters.

Identity Theft Protection

When you elect voluntary identity theft protection, you'll unlock $5 million of preventive and resolution services to ensure your personal data remains private. Comprehensive family protection for up to 10 adults (no restrictions on definition of "adult family member") and unlimited minors.

Core Protection Features

Credit monitoring across all three bureaus
Dark web monitoring (AI + human analysts)
AI-powered call and text screening
Smart financial transaction monitoring
Data broker removal services
VPN protection with military-grade encryption
Password manager

Family Security Features

Child credit file monitoring for minors
Social media monitoring for kids
Parental controls and screen time limits
Digital vault for secure family sharing
Separate $5M insurance policy per adult member

Two Plan Options

Protection Plan: All core identity monitoring, comprehensive family coverage, parental controls, social media monitoring.

Protection Plus Plan: All above plus AI call screening, credit score simulator, one-click Experian credit lock, and enhanced financial fraud protection.

Important

You will need to make an active election on Asurion Benefits Central if you want identity theft protection, even if you have this coverage today.

Auto/Home Insurance Discounts

Get employee rates on auto and home insurance with an option for payroll deductions. Receive competitive quotes from Farmer's Insurance and other carriers all in one platform.

Visit farmersinsurancechoice.com/Asurion to get started. (Farmer's Insurance is a MetLife brand.)

Pet Insurance

Get health protection for your pet with a variety of enhanced coverage options. Use any licensed veterinarian, and choose preventive care and discounts.

Visit metlife.com/getpetquote to enroll at any time during the year.

Employee Discount Program

Asurion provides perks and discounts to stretch your hard-earned dollars on everyday products and services — theater tickets, transportation, gym/fitness studios, theme park attractions, everyday necessities and much more.

Click here to register using your Asurion email address and your Employee ID (six-digit number located by your name in Workday).