2024 Benefits
My Medical Benefits
Eligibility:
You are eligible for benefits if you are a full-time employee working 30 hours a week. You may also enroll your eligible dependents in the medical, dental, vision, and optional life plans. Eligible dependents are:
▪ Your legal spouse
▪ Your Children up to age 26
▪ Your mentally or physically disabled children over 26
Your coverage becomes effective on the first day of the month coinciding with your date of hire. If you do not enroll for benefits within 31 days of becoming eligible, you will have to wait until the next open enrollment.
My Pharmacy Benefits
Eligibility:
You are eligible for benefits if you are a full-time employee working 30 hours a week. You may also enroll your eligible dependents in the medical, dental, vision, and optional life plans. Eligible dependents are:
▪ Your legal spouse
▪ Your children up to age 26
▪ Your mentally or physically disabled children over 26
Your coverage becomes effective on the first day of the month coinciding with your date of hire. If you do not enroll for benefits within 31 days of becoming eligible, you will have to wait until the next open enrollment.
United Healthcare/Optum Rx Prescription Drug List:
Updated lists can be found here: www.whyuhc.com or through OptumRx
Members also have access to the formulary lists when they log into their myuhc.com accounts (recommended)
My Garner Benefits
Eligibility:
You are eligible for benefits if you are a full-time employee working 30 hours a week. You may also enroll your eligible dependents in the medical, dental, vision, and optional life plans. Eligible dependents are:
▪ Your legal spouse
▪ Your children up to age 26
▪ Your mentally or physically disabled children over 26
Your coverage becomes effective on the first day of the month coinciding with your date of hire. If you do not enroll for benefits within 31 days of becoming eligible, you will have to wait until the next open enrollment.
Open Enrollment
Plan Details
Open Enrollment Video (English)
Open Enrollment Video (Spanish)
Helpful Videos to Get Started
How to Create a Garner Account
My Dental Benefits
Eligibility:
You are eligible for benefits if you are a full-time employee working 30 hours a week. You may also enroll your eligible dependents in the medical, dental, vision, and optional life plans. Eligible dependents are:
▪ Your legal spouse
▪ Your children up to age 26
▪ Your mentally or physically disabled children over 26
Your coverage becomes effective on the first day of the month coinciding with your date of hire. If you do not enroll for benefits within 31 days of becoming eligible, you will have to wait until the next open enrollment.
Eligibility:
You are eligible for benefits if you are a full-time employee working 30 hours a week. You may also enroll your eligible dependents in the medical, dental, vision, and optional life plans. Eligible dependents are:
▪ Your legal spouse
▪ Your children up to age 26
▪ Your mentally or physically disabled children over 26
Your coverage becomes effective on the first day of the month coinciding with your date of hire. If you do not enroll for benefits within 31 days of becoming eligible, you will have to wait until the next open enrollment.
My Vision Benefits
Eligibility:
You are eligible for benefits if you are a full-time employee working 30 hours a week. You may also enroll your eligible dependents in the medical, dental, vision, and optional life plans. Eligible dependents are:
▪ Your legal spouse
▪ Your children up to age 26
▪ Your mentally or physically disabled children over 26
Your coverage becomes effective on the first day of the month coinciding with your date of hire. If you do not enroll for benefits within 31 days of becoming eligible, you will have to wait until the next open enrollment.
My Group Life Benefits
Eligibility:
You are eligible for benefits if you are a full-time employee working 30 hours a week.
Your coverage becomes effective on the first day of the month coinciding with your date of hire. If you do not enroll for benefits within 31 days of becoming eligible, you will have to wait until the next open enrollment.
My Voluntary Life Benefits
Eligibility:
All full-time employees who work at least thirty (30) hours per week are eligible for Voluntary Life coverage. Your coverage becomes effective on the first day of the month coinciding with your date of hire. If you do not enroll for benefits within 31 days of becoming eligible, you will have to wait until the next open enrollment.
My Long Term Disability Benefits
Eligibility:
All full-time employees who work at least thirty (30) hours per week are eligible for medical coverage. Your coverage becomes effective on the first day of the month coinciding with your date of hire. If you do not enroll for benefits within 31 days of becoming eligible, you will have to wait until the next open enrollment.
My Retirement Benefits
Eligibility:
After 60 days of employment, you will be eligible to enroll in the 401k plan, with enrollment taking effect only at the start of the following quarter. To decline automatic enrollment, please contact Fidelity at (800) 343-3548 before you reach your 60-day employment mark.
New Hire Automatic Enrollment
To get your retirement savings off to a good start, Sonsray will automatically enroll you in the 401(k) plan at a contribution rate of 7% of your annual salary. If you want to opt out of the automatic enrollment, please contact Human Resources.
You may make your contributions using one or both of these plan options:
- Traditional 401(k) Plan: If you choose this option, you will fund your account with before-tax contributions. That means your contributions will be deducted from your paycheck before taxes are taken out. You will not have to pay taxes on this money or on your account’s investment earnings until you withdraw your funds at retirement.
- Roth 401(k) Plan: If you choose this option, your contributions will be deducted from your paycheck after taxes are taken out, so you will not get the immediate tax savings you get with the traditional 401(k) plan. However, when you take your money out at retirement, it will be tax-free, this includes both your original contributions and the investment earnings that may have accumulated over the years.
Your Savings
You may save any whole percentage of your annual salary in the plan, up to the maximum contribution allowed by the Internal Revenue Service. For the 2024 calendar year, the maximum contribution is $23,000. Participants age 50 or older are allowed to make an additional “catch-up” contribution of up to $7,500.
Sonsray Contributions
The Company may also make discretionary contributions (after one year of service), which may be increased, decreased, or eliminated. All contributions to the retirement plan are subject to limitations imposed by the Internal Revenue Code and the terms of the Company’s 401(k) plan and applicable policies adopted to govern such plans.
1:1 Financial Coaching Sessions
Want personalized financial advice? Schedule a time for a 1:1 financial coaching session.
Reach out directly to a Plan Resource Group Certified Financial Planner:
Alisha Wesser, CFP, CFPA
Vice President, Financial Advisor
D: 626-389-3294
E: alisha.wesser@hubinternational.com
¿Habla Español? Llame directamente:
Frederick Arroyave, DFPA
D: 626-389-3291
E: frederik.arroyave@planresgroup.com
