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Employee Benefits

Benefits Overview

  • Medical Insurance: Blue Cross Blue Shield of Texas
  • Dental Insurance: Guardian
  • Vision Insurance: Guardian
  • Life Insurance: Sun Life Financial
  • Disability Insurance: Sun Life Financial
  • Accident Insurance: Sun Life Financial
  • Critical Illness Insurance: Sun Life Financial
  • Hospital Indemnity Insurance: Sun Life Financial
  • Health Savings Account (HSA): HSA Bank
  • Flexible Spending Account (FSA): HSA Bank
Enrollment Guidelines

Enrollment Guidelines

01

Eligibility

Full-time employees working 32 hours per week or more are eligible to enroll in dental, vision and most other company-sponsored benefit plans. Benefits begin the first day of the month following, or coinciding with, date of hire.

All employees working 30 hours per week may be eligible for medical coverage. Certain part-time employees may be considered full-time under the Affordable Care Act (ACA) and be eligible to enroll in the company’s medical plan only. Under these ACA guidelines, part-time employees who work an average of 30 or more hours per week over an annual 11-month measurement period will be eligible for medical benefits during the following year-long stability period. They will remain eligible for medical benefits unless a change in status occurs or are deemed to no longer be considered full-time under the ACA in a subsequent measurement period.

02

Dependents

Dependents eligible for benefits include your legal spouse (same or opposite sex) and dependent child(ren).

Dependent child(ren) include:

  • Natural children;
  • Legally adopted children or children placed for adoption;
  • Stepchildren;
  • Children for whom benefits must be provided through a Qualified Medical Child Support Order;
  • A child for whom legal guardianship has been awarded to you or your spouse.

Children are eligible for medical, dental and vision coverage from birth to age 26. Unmarried handicapped children are eligible to remain on coverage past age 26 as long as the child’s status remains the same and is dependent on you for support.

Dependent/Spouse Clarification If you are a full time employee legally married to another full time employee, you may not enroll your legally married spouse for benefits as a dependent. Further, if you and your spouse are both employees of the company, your dependent children can only be covered under either your or your spouse’s coverage – not under both.

03

Midyear Changes

Midyear changes to your benefit elections must be consistent with a Qualified Change in Status.

For example, if you gain a new dependent due to birth, you may only change your benefit elections to add that dependent. In this case, coverage for other dependents cannot be changed.

You have 30 days from the date of a Qualified Change in Status to complete an enrollment change through the Paycom enrollment portal. Otherwise, you must wait until the next annual enrollment period to make a change to your elections.

Your elections become effective the first of the following month, with the exception of a change due to birth or adoption which become effective on the date of the event.

04

Qualifying Events

You may only make changes to your elections during the year if you have a Qualified Change in Status, which includes:

30-Day Notification Timeframe

  • Marriage or legal separation
  • Birth, adoption or placement for adoption of an eligible child
  • Changes in your spouse’s employment that affects benefit eligibility
  • Change in residence that affects your eligibility for coverage
  • Significant change in coverage or cost in your, your spouse's or child's benefit plans
  • FMLA leave, COBRA event, court judgment or decree
  • Receipt of a Qualified Medical Child Support Order (QMCSO)

60-Day Notification Timeframe

  • Death of a spouse or child
  • Divorce
  • Change in your child's eligibility for benefits (e.g., reaching the 26 age limit)
  • Becoming eligible for Medicare or Medicaid/CHIP
Employee Benefits

Employee Benefits

Rimkus offers a comprehensive employee benefits program. Benefits include Medical, Dental, Vision, Basic Life,
Long Term Disability, Short Term Disability, Accident, Critical Illness, Hospital Indemnity, and Supplemental Life.

Medical

Medical insurance is offered through BlueCross BlueShield of Texas. There are two PPO plans and a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA).

Dental

Dental insurance is offered through Guardian and uses the Guardian DentalGuard Preferred Network of dentists.

Vision

Vision insurance is offered through Guardian. VSP is the preferred network of vision providers.

Life

Life insurance is offered through Sun Life Financial. Basic life insurance is provided by the company. You may elect additional coverage for yourself and your family.

Disability

Disability insurance offered through Sun Life Financial. The company provides both short term and long term disability coverage.

Accident

Accident insurance offered through Sun Life Financial. Coverage is voluntary and employee paid.

Critical Illness

Critical Illness insurance offered through Sun Life Financial. Coverage is voluntary and employee paid.

Hospital Indemnity

Hospital Indemnity insurance offered through Sun Life Financial. Coverage is voluntary and employee paid.

HSA & FSA

The Health Saving Account (HSA) and Flexible Spending Accounts (FSA) are administered by HSA Bank.

Medical Insurance

Medical Insurance

Group Number: 279469
Effective Date: 1/1/2024
Customer Service: 800.521.2227

Plan Highlights HDHP w/ HSA Base PPO Buy-Up PPO
Benefit Summary View Summary View Summary View Summary
Plan Type 100/50 HDHP w/ HSA 70/50 Copay 80/60 Copay
Provider Network BCBSTX PPO BCBSTX PPO BCBSTX PPO
Deductible
Individual
Family		  
$3,450
$6,850		  
$1,500
$3,000		  
$1,000
$2,000
Office Visits
Preventive Care
Primary Care
Specialist
Virtual Visit
Chiropractor 		 
No Charge
0% after Ded
0% after Ded
0% after Ded
0% after Ded		  
No Charge
$30 copay
$40 copay
$20 copay
$70 copay		  
No Charge
$30 copay
$40 copay
$20 copay
$70 copay
Setting
Urgent Care
Emergency Room
  
0% after Ded
0% after Ded		  
$75 copay
$250 copay + 30%		  
$75 copay
$250 copay + 20%
Prescription Drugs
Retail (31-Day Supply)
 Tier 1: Generic
 Tier 2: Formulary
 Tier 3: Non-Formulary
Mail Order (90-Day Supply)
 Tier 1: Generic
 Tier 2: Formulary
 Tier 3: Non-Formulary 		 
 
0% after Ded
0% after Ded
0% after Ded
 
0% after Ded
0% after Ded
0% after Ded		  
 
$15 copay
$30 copay
$60 copay
 
$37.50 copay
$75 copay
$162.50 copay		  
 
$15 copay
$30 copay
$60 copay
 
$37.50 copay
$75 copay
$162.50 copay
Max Out-of-Pocket
Individual
Family		  
$3,450
$6,850		  
$4,500
$9,500		  
$3,000
$6,000
Max Lifetime Benefit Unlimited Unlimited Unlimited
Dependent Age Limit 26 26 26
Dental Insurance

Dental Insurance

Group Number: 549968
Effective Date: 1/1/2024
Customer Service: 800.541.7846

Plan Highlights Dental
Benefit Summary View Summary
Plan Type 100/80/50/50 PPO
Provider Network DentalGuard PPO
Deductible
Individual
Family		  
$50
$150
Max Annual Benefit $2,000
Preventive & Diagnostic Care Paid at 100% (Ded waived)
Basic Restorative Care Paid at 80%
Major Restorative Care Paid at 50%
Orthodontic Care
Max Lifetime Benefit
Available to		 Paid at 50% (Ded waived)
$1,500
Adults & Children
Dependent Age Limit 26
Vision Insurance

Vision Insurance

Group Number: 549968
Effective Date: 1/1/2024
Customer Service: 877.814.8970

Plan Highlights In-Network
You Pay		 Out-of-Network
Reimbursement
Benefit Summary View Summary N/A
Provider Network VSP N/A
Vision Exam
Once every 12 months		  
$10 copay		  
Up to $39
Lenses
Once every 12 months
Single Vision
Bifocal
Trifocal
Lenticular 		 
$25 copay1
$25 copay1
$25 copay1
$25 copay1		  
Up to $23
Up to $37
Up to $49
Up to $64
Frames
Once every 12 months		  
$150 allowance		  
Up to $46
Elective Contact Lenses
Once every 12 months
In lieu of lenses and a frame		  
Up to $150 allowance		  
Up to $100
Dependent Age Limit 26 26
  1. The copay covers the base lense. All additional services added to the lens are provided at a discounted fee when using in-network providers.
Life Insurance

Life Insurance

Group Number: 942757
Effective Date: 1/1/2024
Customer Service: 800.247.6875

Plan Highlights Basic Life and AD&D Supplemental Life
Coverage
Employee
Spouse
Children		  
2X Annual Salary
N/A
N/A		  
$5,000 increments up to $500,000
$5,000 increments up to $500,000
$10,000
Guarantee Issue
Employee
Spouse
Children		  
2X Annual Salary up to $250,000
N/A
N/A		  
Lesser of 5X Annual Salary or $200,000
$50,000
$10,000
Age Reduction Schedule 35% at age 70, and 50% at age 75
Disability Insurance

Disability Insurance

Group Number: 942757
Effective Date: 1/1/2024
Customer Service: 800.247.6875

Disability Insurance

Disability insurance is paid for by Rimkus Consulting Group. Disability insurance provides a portion of your income in the event you are unable to work due to a disability.

Plan Highlights Short-Term Disability Long-Term Disability
Elimination Period 14 days 90 days
Benefit 60% to $4,000 per week Contact HR
Benefit Duration 11 weeks Contact HR
Accident Insurance

Accident Insurance

Group Number: 942757
Effective Date: 1/1/2024
Customer Service: 800.247.6875

Accident Insurance

Accident insurance benefits are paid direct to you based on a fixed schedule that includes benefits for hospitalization, fractures, dislocations, emergency room visits, major diagnostic exams, physical therapy and more. You may enroll yourself and other family members.

Plan Highlights Low Plan High Plan
Ambulance: Air/Ground $1,000/$300 $2,000/$400
Hospital Admission $1,500 $2,000
Hospital Confinement $300 per day $400 per day
Wellness Benefit $50 $50
Critical Illness Insurance

Critical Illness Insurance

Group Number: 942757
Effective Date: 1/1/2024
Customer Service: 800.247.6875

Critical Illness Insurance

Critical Illness insurance pays a fixed benefit if you are diagnosed with a covered critical illness. It helps cover the costs associated with a critical illness such as lost income, child care, travel to and from treatment, high deductibles and copays plus out-of-network and alternative treatments. Benefits are paid in a lump sum and can be paid direct to you or to a hospital or physician when you or a covered family member is diagnosed with a covered condition.

Coverage is available to you and your spouse in $10,000 increments up to $40,000. Children are covered at 50% of the primary insurance benefit at no additional charge.

Diagnosis Benefit
Cancer 100%
Heart Attack 100%
Stroke 100%
End State Renal Failure 100%
Major Organ Transplan 100%
Non-Invasive Cancer 25%
Hospital Indemnity Insurance

Hospital Indemnity Insurance

Group Number: 942757
Effective Date: 1/1/2024
Customer Service: 800.247.6875

Hospital Insurance

Hospital Indemnity coverage provides you with payments when you are admitted and confined to a hospital due to a covered accident or illness. Typically, a flat amount is paid for admission and a daily amount is paid for each day of a hospital stay. You may enroll yourself and your eligible family members.

Plan Highlights Low Plan High Plan
Hospital/ICU Admission $1,000 $2,000
Hospital/ICU Confinement $100 per day (up to 15 days) $200 per day (up to 15 days)
Wellness Benefit $50 $50
Health Savings Account

Health Savings Account

Effective Date: 1/1/2024
Customer Service: 800.357.6246

HSA Overview

When you enroll in a High Deductible Health Plan (HDHP), you are eligible to open a Health Savings Account (HSA) through HSA Bank. An HSA is a personal savings account you can use to pay qualified out-of-pocket medical, pharmacy, dental and vision expenses with pretax dollars. You - not the Company - own and control the money in your HSA. The money you deposit is not taxed and you can invest it in stocks, bonds and mutual funds. The money in this account (including interest and investment earnings) grows tax-free, and as long as the funds are used to pay for qualified health care expenses, they continue to be tax-free.

Unlike a Flexible Spending Account (FSA), there is no “use it or lose it” rule - you do not lose your money if you do not spend it in the plan year - and there are no vesting requirements or forfeiture provisions. The account will automatically roll over year after year. Since it is an individual account, if you change health plans or jobs, the account is yours to keep.

For online access to your account information, visit www.hsabank.com.

HSA Contributions

You may contribute to the HSA with pretax dollars through payroll deduction. Rimkus will also make a contribution to your account. For the 2024 calendar year, total HSA contributions into an HSA cannot exceed $4,150 if you have single coverage or $8,300 if you have any form of family coverage (spouse, child or full family).

2024 HSA Contribution Limits
Individual $4,150
Family $8,300
"Catch-Up" Contribution Individuals age 55+ may contribute up to an additional $1,000 per year.

Employer Contribution

  • Rimkus also makes a contribution to your HSA: $800 for single coverage and $1,600 for family coverage.
  • One half of your company contributions will be made in January while the other half will be contributed over your remaining pay periods.

HSA Notes

  • Some states do not allow HSA contributions to be deducted on a pretax basis for state income tax purposes.
  • You can only use the money in your HSA to pay for medical, pharmacy, dental or vision expenses that are qualified by the IRS. If you use your HSA for any expenses other than health care, you must pay taxes on the excess amount as well as a 20% penalty.
  • The HSA does not work like a Flexible Spending Account, where your annual allocation is available to you on the first day of the plan year. With an HSA, you can only spend money - for eligible health care expenses - that has been deposited in your account.
Flexible Spending Account

Flexible Spending Account

Effective Date: 1/1/2024
Customer Service: 866.451.3399

FSA Overview

A great way to plan ahead and save money over the course of a year is to participate in our Flexible Spending Account (FSA) programs. These accounts allow you to put a portion of your salary, on a pretax basis, into reimbursement accounts. Pretax means the dollars you use for eligible expenses are not subject to Social Security tax, federal income tax and, in most cases, state and local income taxes. When you enroll, you must decide how much to set aside from your paycheck for each account. Be sure to estimate your expenses conservatively, as the IRS requires that you use the money in your account during the plan year (except for the Comuter FSA). HSA Bank is our FSA administrator.

Visit www.hsabank.com for online access to your account.

FSA Contributions

Contribute to an FSA and save on eligible expenses and reduce your taxable income. Estimate the amount you will need for eligible out-of-pocket health care and/or dependent care expenses for the calendar year or portion thereof, depending upon your effective date of coverage. Estimate carefully and contribute only as much as you think you will need, subject to the plan limit. Divide your total estimated expenses by the number of paychecks you receive yearly, or portion thereof, depending on your effective date of coverage. This is the amount that will be deducted from each paycheck and deposited into your non-interest-bearing account(s).

FSA Type Eligible Expenses Contribution Limits
Health Care FSA Most medical, dental and vision care expenses not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses and doctor-prescribed OTC medicine) $3,050 per year
Limited Purpose FSA Dental and vision care expenses that are not covered by your health plan (such as eyeglasses, contacts, LASIK eye surgery, fillings, x-rays and braces) $3,050 per year
Dependent Care FSA Dependent care expenses (such as day care, after-school programs or elder care programs) so you and your spouse can work or attend school full-time $5,000 ($2,500 if married and filing separately) per year
Commuter FSA Qualified commuter (such as transit, carpool and vanpool) and parking expenses $300 per month for commuter and $300 per month for parking

Health Care FSA

The Healthcare FSA enables you to take control of your out-of-pocket health care spending by contributing pretax money to your account to pay for everyday eligible expenses. The result can be substantial savings on products and services not covered by your plan such as copays, coinsurance, deductibles, prescription expenses, lab exams and tests, contact lenses, eyeglasses and more. A complete list of qualified expenses can be found in publication 502 on the IRS website. When you incur the expense, you will be reimbursed the full amount at that time.

For the 2024 plan year, you can contribute up to $3,200 to the Health Care FSA.

Limited Purpose Health Care FSA

A Limited Purpose Health Care FSA is available if you are enrolled in the HDHP and contribute to an HSA. You can use a Limited Purpose Health Care FSA to pay for eligible out-of-pocket dental and vision expenses only, such as: Dental and orthodontia care (e.g., fillings, X-rays and braces); Vision care (e.g., eyeglasses, contact lenses and LASIK surgery).

For the 2024 plan year, you can contribute up to $3,200 to the Limited Purpose FSA.

Dependent Care FSA

The Dependent Care FSA helps pay for expenses associated with caring for child or elder dependents in order for you or your spouse to work or attend school full-time. The dependent child must be under age 13 and claimed as a dependent on your federal income tax return, or a disabled dependent of any age incapable of caring for himself or herself and who spends at least eight hours a day in your home.

Unlike the Health Care FSA, reimbursement from your Dependent Care FSA is limited to the total amount that is deposited in your account at that time. In order to be reimbursed, you must provide the tax ID of the care provider (the provider cannot be your dependent for income tax purposes).

For the 2024 plan year, you can contribute up to $5,000 to the Dependent Care FSA.

Commuter FSA

Commuter FSAs enable you to pay certain workplace transit and parking expenses on a tax-free basis through payroll deductions.

Commuter benefits are not tied to a benefit year, so the funds remain in your account until exhausted. Election changes are not limited by a plan year and can be updated or stopped as your needs change. You must submit all claims within 180 days of receiving the service.

Note: Toll fees are not eligible.

Employee Assistance Program

Employee Assistance Program

Effective Date: 1/1/2024
Customer Service: 800.433.7916

Employee Assistance Program

Rimkus offers the LifeWorks Employee Assistance Plan (EAP) through Morneau Shepell. This plan helps you and your family members cope with life — from the everyday to the unexpected. Your EAP is a confidential counseling service to help address any personal issues you face. This service, staffed by experienced clinicians, is available by calling 800.433.7916, 24/7 or going online to LifeWorks.com.

A Guidance Consultant will refer you to a local counselor or to resources in your community for up to five face-to-face sessions per year.

Call any time with personal concerns, including:

  • Relationships
  • Problems with your children
  • Stress, anxiety or depression
  • Job pressures
  • Marital conflicts
  • Grief and loss
  • Substance abuse
  • Empty-nesting

Visit LifeWorks.com to download the LifeWorks App to your mobile device for access anytime you need assistance.

Whether you are a new parent, a caregiver for a dependent elder, sending a child off to college, buying a car or doing home repairs, you are bound to have questions or need resource referrals. The EAP specialists will help you sort out the issues and provide you with information based on your specific criteria, including:

  • Finding child or elder care
  • Planning for college
  • Relocating to a new city
  • Finding pet care
  • Purchasing a car
  • Home repair
  • Adopting a child
  • Planning a vacation
Employee Contributions

Employee Contributions

The monthly employee contribution amounts - effective January 1, 2024 - are displayed below. If you elect Medical or Dental coverage, you will share the cost with the company. Vision, Accident, Critical Illness, Hospital Indemnity, and Supplemental Life are voluntary and premiums are paid in full by you. Basic Life, Long Term Disability, and Short Term Disability coverage are company paid.

MEDICAL
Plan Base PPO Premium PPO HDHP w/ HSA
Employee Only $72.00 $180.00 $55.00
Employee + Spouse1 $412.00 $736.00 $350.00
Employee + Child(ren) $288.00 $464.00 $230.00
Employee + Family $567.00 $927.00 $480.00
 
DENTAL
Employee Only $20.00
Employee + Spouse $40.00
Employee + Child(ren) $35.00
Employee + Family $60.00
 
VOLUNTARY VISION
Employee Only $7.50
Employee + Spouse $15.05
Employee + Child(ren) $15.19
Employee + Family $24.25
 
VOLUNTARY ACCIDENT
Plan Low High
Employee Only $10.59 $15.30
Employee + Spouse $18.39 $27.17
Employee + Child(ren) $19.63 $29.69
Employee + Family $27.43 $41.56
 
VOLUNTARY HOSPITAL INDEMNITY
Plan Low High
Employee Only $21.93 $40.51
Employee + Spouse $45.74 $84.80
Employee + Child(ren) $37.83 $69.69
Employee + Family $61.64 $113.97
  1. Spouse Medical Coverage If your spouse works and has group medical coverage available through his or her employer, you may add your spouse to the Rimkus plan. Because your spouse is eligible for other coverage, a monthly surcharge of $100 will be assessed as long as they are covered under the Rimkus plan. Should your spouse lose access to other coverage, notify Human Resources to have the surcharge removed.
Voluntary Life
Age-Band Rate
< 34 $0.06
35 to 39 $0.09
40 to 44 $1.40
45 to 49 $2.20
50 to 54 $3.30
55 to 59 $4.90
60 to 64 $8.10
65 to 69 $14.60
70 to 74 $20.70
> 75 $44.50
Child(ren) $0.20
Rates per $1,000 of coverage.
Voluntary Critical Illness
Age-Band Non-Tobacco Rate Tobacco Rate
< 25 $0.48 $0.50
25 to 34 $0.62 $0.68
35 to 44 $1.15 $1.50
45 to 54 $2.40 $3.89
55 to 64 $4.50 $8.44
64 to 74 $8.16 $16.72
Child(ren) $0.78
Rates per $1,000 of coverage.

Did you know?

Your Medical, Dental and Vision insurance contributions will be handled on a pretax basis, reducing the amount you spend on group insurance premiums by as much as 30%.

Contributions for Voluntary Supplemental Life, Voluntary Accident, Voluntary Critical Illness and Voluntary Hospital Indemnity insurance are withheld post-tax.

Plan Documents

Plan Documents

Important plan documents including plan summaries, coverage certificates and compliance.

Compliance

Webinars

Benefit Summaries

Claim Forms

Note: Claim forms are not required for "In-Network" medical, dental or vision services. Network providers submit the claim directly to the carrier for reimbursement.

Rimkus HR

Rimkus HR

Please contact us if you have any questions or need assistance.

Our Address

12140 Wickchester Lane, Houston, TX 77079

Email Us

benefits@rimkus.com

Call Us

713.621.3550

Disclaimer: This document is an outline of the coverage proposed by the carriers. It does not include all of the terms, coverages, exclusions, limitations and conditions of the actual contract language. The policies and contracts themselves must be read for those details. Policy forms for your reference will be made available upon request.

The information contained in this summary should in no way be construed as a promise or guarantee of employment or benefits. The Plan Sponsor reserves the right to modify, amend, suspend or terminate any plan at any time for any reason. If there is a conflict between the information on this site and the actual plan documents or policies, the documents or policies will always govern. Complete plan details can be obtained by reviewing current plan descriptions, contracts, certificates, policies and plan documents available from the Benefits Administrator.