Mid-South Non-Union Trade Benefits

2024 Benefits Overview

Welcome

At Turner, we're committed to putting the well-being of our employees and your families first. Our comprehensive benefits package was designed to provide you flexibility and choice when it comes to accessing high-level, affordable care. Beyond traditional healthcare, our plans support your emotional, social, and financial health to protect your lifestyle and help plan for the future. This site outlines the full suite of our benefits package, so you and your family can develop a customized benefit plan to meet your needs in 2024.

How to Enroll

1. Select “Enroll Now” to access the BenefitSolver enrollment site
2. First Time Users select “Register” and complete the fields with your personal information.
3. Log in and select “2024 Open Enrollment.”
4. Select your coverage choices for 2024.
5. Make sure to save your benefit elections and save a copy of your confirmation

Eligibility

As a full-time Mid-South Non-Union Trade employee, you become eligible for the benefits plan on the first of the month 60 days after your date of hire. If you are rehired within six months of your date of termination, and have previously met the eligibility requirements, you are eligible for the benefits plan the first of the month following 30 days of employment.

You may also enroll your eligible dependents for benefit coverage. Your cost for dependent coverage will vary according to the number of dependents you cover. You have the freedom to elect different coverage levels (Employee Only, Employee + Spouse, Employee + Child(ren), or Employee + Family) for medical, dental, and vision benefits.

Qualifying Life Events

Once you elect your benefit options, they remain in effect for the entire plan year until Open Enrollment as long as you are employed at Turner. You may only change coverage during the plan year if you have a Qualifying Life Event, and you must make your mid-year change at BenefitSolver within 30 days of the event. Qualifying Life Events include:

• Marriage
• Divorce or Legal Separation
• Birth of your child
• Death of your spouse, domestic partner, or dependent child
• Adoption of or placement for adoption of your child
• Change of employment status by you or your spouse or domestic partner
• A significant change in your or your spouse or domestic partner’s health coverage due to your spouse’s employment
• Qualification by the plan administrator of a Medical Child Support Order

Questions?

Contact 

Benefits Service Center 

Mid-South Non-Union Trade Benefits

2024 Benefits Overview

BlueCross BlueShield of Alabama PPO

Medical coverage offers health care protection for you and your family, and is provided through BlueCross BlueShield of Alabama. 

Preferred Provider Organization (PPO) 

Our PPO Plan offers the freedom to see any provider when you need care. When you use providers from within the BlueCross BlueShield of Alabama PPO network , you receive benefits at the discounted network cost. If you use  out-of-network providers, you will pay more for services.

Register or log in to the BCBS member portal below or click here. 

Save on Prescription Drugs

Generic and brand-name drugs have the same active ingredients, which means they have the same efficacy for treating your condition. The main difference is the cost to you. Talk to your doctor to ask if generics are right for you.

Brand-name drugs tend to be more expensive because of the lengthy drug development process. Manufacturers charge more to recoup costs. When a patent expires, other manufacturers can produce the medication, and competition drives the price down.

Questions?

Contact 

Benefits Service Center 

Mid-South Non-Union Trade Benefits

2024 Benefits Overview

MetLife Dental Plan

Dental coverage helps you maintain good dental health. The plan covers preventive care including regular checkups, as well as fillings and other dental procedures. You may visit any dentist you choose, but you’ll receive a higher level of benefits when you go to an in-network dentist. Dental premiums are based on the coverage tier you choose. Dental coverage is provided through MetLife. For the MetLife Dental Plan, there is no ID card needed. 

Superior Vision by MetLife

Annual vision exams not only help keep your vision healthy, they can identify certain medical conditions such as diabetes or high cholesterol. Turner offers vision coverage through Superior Vision by MetLife. Under the vision plan, you may use the eye care professional of your choice. However, when you use a participating network provider, you receive higher levels of benefits. You can access your ID card in MyBenefits. 

Questions?

Contact 

Benefits Service Center 

Mid-South Non-Union Trade Benefits

2024 Benefits Overview

Mutual of Omaha Life and AD&D

Life insurance and Accidental Death and Dismemberment (AD&D) insurance protects your loved ones in the event of your death of serious injury. 

Company-paid basic life and AD&D insurance coverage is provided at no cost to you.

Turner provides $50,000 in Basic Life and AD&D insurance coverage at no cost to you.  Your spouse or domestic partners and dependent children are automatically covered for $5,000 ($1,000 for children from birth to 6 months).  You will have imputed income tax on the Turner paid dependent life insurance.

Since these are company paid benefits, please log onto  www.benefitsolver.com to designate a beneficiary, even if you are not enrolling in other coverage.

Voluntary Life and AD&D

For You

Minimum of $10,000 up to 5x of your annual earnings of $500,000 (increments of $1,000). Guarantee Issue: 5x your earnings, up to $100,000.

For Your Spouse or Registered Domestic Partner

Minimum of $5,000 up to a $250,000 maximum  (not to exceed 50% of your coverage). Guarantee Issue: 100% of your benefit, up to $50,000.

For Your Child

Minimum of $2,500 up to a $10,000 maximum (not to exceed 100% of your coverage). Guarantee Issue: 100% of your benefit, up to $10,000.

Things to Know

1. Visit www.benefitsolver.com to complete the application and enroll.
2. You have a special opportunity during your enrollment period to elect up to the “guaranteed issue” amount of Voluntary Life coverage for you and your spouse without completing a health questionnaire.
   •  Employee Guarantee Issue: $100,000
   • Spouse Guarantee Issue: $50,000
3. If you wish to enroll in the Voluntary Life plan or increase your coverage after this enrollment period or you wish to elect more than the guaranteed issue amount, you will be required to complete the Evidence of Insurability application, which contains questions about your health.
4. How to Submit Evidence of Insurability (EOI) - In the enrollment system, follow the prompt to connect to the Mutual of Omaha site after you submit your benefits elections.
5. Rates are based on your age and the amount of Voluntary Life coverage you elect.
6.  In order for your spouse and/or child(ren) to be eligible for coverage, you must elect coverage for yourself.

Questions?

Contact 

Benefits Service Center 

Mid-South Non-Union Trade Benefits

2024 Benefits Overview

Disability Plan 

Protect your paycheck when you are unable to work. Short-Term Disability insurance helps you meet your financial obligations while you’re recovering from an injury, illness, surgery, or childbirth. Long-Term Disability insurance provides an income protection after you are out of work for 360 days or more due to injury, illness, or surgery. You have the opportunity to elect Short-Term and/or Long-Term Disability coverage for yourself. Turner offers five Voluntary Short-Term Disability plan options and one Voluntary Long-Term Disability plan option.

Short-Term Disability

The pre-existing condition under this plan is 3/6 which means any condition that you receive  medical attention for in the 3 months prior to your effective date of coverage that results in a disability during the first 6 months of coverage, would not be covered.

Long-Term Disability

LTD replaces 60% of your monthly earnings to a maximum of $5,000 per month. 
Benefit begins after 360 days of disability. 

A pre-existing condition under the plan is 6/12 which means any condition that you receive medical attention for in the 6 months prior to your effective date of coverage that results in a disability during the first 12 months of coverage, would not be covered.

Questions?

Contact 

Benefits Service Center 

Mid-South Non-Union Trade Benefits

2024 Benefits Overview

Turner Mid-South Non-Union Trade Employee Retirement Savings Plan (RSP) 401(k)

Turner wants to help you plan for your financial future by offering the Turner Non-Union Trade Employee Retirement Savings Plan (RSP) 401(k). 

Benefits of the Plan 

• Tax-deferred savings of up to 3 percent of your current earnings
• A Roth after-tax contribution option 
• 3% Company-matching contribution 
• A variety of investment fund choices 

After three years of service (including prior service), you'll be 100 percent vested in the Company's matching contributions as well as any associated investment gains or losses. You will receive vesting credit for a year of service if you work at least 1,000 regular hours in the prior year (not including overtime hours).

How It Works 

1. You will be notified by Fidelity when you become eligible, by mail unless you have a Turner corporate email account.
2. If you choose to contribute, your contributions to the Plan come out of your regular wages on a before-tax and/or Roth after-tax basis, up to the Internal Revenue Service (IRS) maximum.
3. You’re able to contribute from 1 to 75 percent of your regular wages and can change your contribution amount at any time, up to IRS limits.

Questions?

Contact 

Benefits Service Center 

Mid-South Non-Union Trade Benefits

2024 Benefits Overview

Voluntary Health Coverage  Assistance Package

These days many employees are looking for added resources that provide more flexibility and accessibility outside of work. Turner is proud to offer additional benefits options to help with things like personal consultations to help you understand medical bills, certified professionals to help review your benefits options and coordinate care, or personal financial advisors to help you budget and save for emergency expenses. 

Health Advocacy

Reading medical bills or searching for an in-network provider can be confusing. Health Advocate Services is available to help you navigate these every day health care situations and more. Health Advocates can help you untangle medical bills, assist in medical record transfers, clarify benefits options, and answer any questions about tests, treatments, or medication.

Medical Bill Saver

Medical Bill Saver offers skilled negotiators to work on your behalf to get you the best discounts no matter your benefits status. Medical Bill Saver helps you get the medical care and services you want while minimizing your out-of-pocket expenses.

NurseLine

Receive the advice you need when you need it with 24/7 access to highly trained registered nurses who can help with all non-urgent medical questions or concerns. NurseLine can offer self-care tips, help identify symptoms and point you in the right direction for immediate care, or give you advice on how to ease common problems such as a sore shoulder. 

Financial Helpline

Need help creating a monthly budget or starting a college savings account? Certified financial counselors can help asses financial issues, discuss options, create a plan of action, and guide you towards better financial health. All counseling is free and confidential. 

Employee Assistance Program (EAP)

When you’re having trouble coping with life’s ups and downs, the confidential Employee Assistance Program through Guidance Resources/ComPsych may offer the help and support you need. This is a company-paid benefit provided by Turner and is accessible immediately upon hire.

The Employee Assistance Program is a counseling and referral service available to Turner employees and members of your immediate family – at no cost to you. By calling the EAP, you can get confidential support, information, resources, and help for all of life’s challenges, including marriage or relationship problems, parenting challenges, grief and loss, financial worries, stress management, and more. You can access the program with just one phone call, at any hour of the day or night. 

Identity Protection

Protect your identity with IDShield's comprehensive service at no cost to you. Armed with a team of licensed private investigators, they’re on-call 24/7 to monitor and restore your identity if it’s ever compromised.

All domestic U.S. regular Staff and Trade employees are eligible on the first of the month following 60 days of employment. The service will contact you when you become eligible. 

Doctor On Demand

Doctor On Demand lets you conveniently connect to a doctor 24/7 using your smartphone, tablet, or computer without leaving your house.

First, download the Doctor On Demand app to your smartphone, tablet, or computer with a front-facing camera. Then, set up your account by selecting Sign Up and enter the information found on your BlueCross BlueShield of Alabama medical insurance card.

You can then connect to a U.S.-licensed and board-certified physician or psychologist within minutes to receive treatment and needed prescriptions for common illnesses such as:

Your cost for a medical consultation will be $40 per session or $30 per psychiatry or therapy session.

Wondr Health 

Travel Protection

Rest easy on travels far from home—whether they are for business or personal trips. At your fingertips is a network of professionals who will help you with everything from local medical referrals to emergency situations while visiting a foreign country. When you and your family are traveling more than 100 miles from home, you can easily access:

• 24/7 phone interpretation/translation services
• Medical evacuation
• Emergency document replacement
• Identity theft and recovery assistance
• Emergency payment and cash

To learn more about how you can explore Worldwide Travel Assistance coverage provided by Mutual of Omaha, call (800) 856-9947.

Hearing Aids and Screening Services

Through our partnership with Amplifon Hearing Health Care, Turner provides hearing aid benefits and discounted hearing screening services for employees. This national network of hearing care professionals and clinics offers custom hearing solutions from the top 10 leading manufacturers offered at negotiated, low prices. Services include:

• Low-price guarantees on hearing aids
• Free 60-day trial with money back guarantee
• Three-year warranty
• Two years of free batteries and replacements

Call Amplifon Hearing Health Care at (888) 534-1737 to connect with a patient care advocate.

Online Will Preparation

As a Turner employee, you have access to free, simple and secure online will preparation through Mutual of Omaha. While it’s not something you think about daily, it’s important to specify how you want your possessions to be distributed after you die. Whether you’re single, married, have children, or are a grandparent, your will should be tailored to your life situation. Creating a will is an essential investment in your future.

• Log on to www.willprepservices.com and use the code ‘MUTUALWILLS’ to register. 
• Answer a few simple questions.
• Download and print your documents!

Questions?

Contact 

Benefits Service Center