Welcome
Welcome to your 2023 Virtual Benefits Overview. QSC is proud to offer a high-quality benefits program to fit your family's needs. To ensure that you are taking full advantage of these valuable benefits, feel free to browse the Exhibit Hall for information that will assist you in understanding the health and voluntary programs offered by QSC.
Don't forget to make your Open Enrollment elections between October 24th – November 4th.
Have benefit questions or need assistance?
Contact QSC Benefits or Health Advocate
2023 QSC BENEFITS SHOWCASE
Main Exhibition Hall
Click on a booth to visit
Health and Wellness Benefits
Financial Wellness
Voluntary Benefits
Additional Resources
2023 QSC BENEFITS SHOWCASE
Health Benefits - Medical
QSC is dedicated to maintaining and improving your health and are proud to offer you a comprehensive medical program that is affordable, high-quality care. We partner with Anthem to focus on wellness, offering programs in support of protecting both your physical and financial health and improving your quality of life. Our plan options provide a comprehensive level of benefits structured to encourage preventative care with a broad national network of hospitals and physicians.
Visit your benefit guide to get more information on the plans offered in your area.
Questions? Contact Health Advocate
2023 QSC BENEFITS SHOWCASE
Health Benefits - Dental
Maintaining good oral hygiene is paramount to your overall health and wellness. That's why QSC has partnered with Cigna, to provide you and your families with excellent dental coverage.
Regular dental care is an important part of caring for your health, and keeping your teeth fit may protect you from major expenses in the future. Use dental coverage through Cigna to help pay for the cost of routine checkups and just about any other type of dental work you might need, such as crowns or root canals.
Questions? Contact Health Advocate
2023 QSC BENEFITS SHOWCASE
Health Benefits - Vision
Regular eye examinations can not only determine your need for corrective eyewear but also may detect general health problems in their earliest stages. They can help identify early signs of diseases that impact your whole body such as high blood pressure, diabetes, and high cholesterol.
Whether you have perfect vision or require some type of corrective lenses, preventive eye care is an important part of your overall health. Anthem Blue View Vision can help you offset the expensive costs of exams, frames, contact lenses, corrective surgery, and more.
If you have an HSA or FSA, you can use these funds to cover eligible vision-related costs like your deductible, glasses, or contact lenses.
Questions? Contact Health Advocate
2023 QSC BENEFITS SHOWCASE
Health Benefits - HSA
If you enroll in one of QSC's Anthem HSA PPO plans, you are eligible to enroll in a Health Savings Account. An HSA is a savings account used to put pre-tax dollars aside specifically for your out-of-pocket health expenses. Like a regular savings account, your HSA earns interest and is yours to keep if you leave the company (not that we want you to do that!).
Please note you may not have other coverage to be eligible to contribute or receive employer contributions into your HSA. Other coverage includes: Medicare Part A or Part B, Tricare, and any other coverage including spouse enrolled in a full-purpose Healthcare FSA.
Questions? Contact Health Advocate
2023 QSC BENEFITS SHOWCASE
Health Benefits - FSA
A Healthcare Flexible Spending Account (FSA) is a pre-tax savings account that can be used for out-of-pocket healthcare expenses, such as medications and co-payments.
A Limited Purpose Healthcare Flexible Spending Account (FSA) is a pre-tax savings account that can be used for out-of-pocket dental and vision expenses only. Eligible for employees enrolled in one of QSC's HSA PPO plans.
A Dependent Care Reimbursement Account is a type of Flexible Spending Account that allows you to set aside pre-tax dollars that you can use to pay eligible daycare expenses for children or a disabled spouse or dependent. Unused funds in your Dependent Care Reimbursement Accounts are forfeited at the end of the plan year.
The money put into FSA is taken from your pay before federal, state or social security taxes.
Questions? Contact Health Advocate
2023 QSC BENEFITS SHOWCASE
Financial Wellness - 401 (k) Retirement
You are encouraged to participate in QSC’s 401(k) plan. This plan is a retirement savings plan designed to allow eligible employees to supplement any existing retirement and pension benefits by saving and investing through a voluntary salary contribution up to the IRS maximums. Contributions and any earnings on contributions are tax-deferred until money is withdrawn.
You also have an option to contribute to a Roth account. Roth contributions are made with after-tax dollars, as opposed to the pre-tax dollars you contribute to a traditional 401(k). In other words, with the Roth option, you've already paid income taxes on money you contribute. With the traditional 401(k), your contribution is made on a pre-tax basis and you pay income taxes only when you take a distribution.
QSC also offers a discretionary match which is immediately 100% vested. You can read more about the 401(k) offering by clicking on the 401(k) benefit information below.
Questions? Contact QSC Benefits
2023 QSC BENEFITS SHOWCASE
Financial Wellness - Financial Elements
Monitor your financial wellness with the assistance of Financial Elements. This employer-paid benefit allows you to interact directly with a financial professional (mentor) to address your individual financial situation and provide personal assistance.
Questions? Contact Financial Elements
2023 QSC BENEFITS SHOWCASE
Voluntary Benefits - Life and AD&D and Disability
Life insurance provides a tax-free payout that protects your family’s financial health in the event of death. This money replaces the income you provided and can be used for anything — funeral expenses, living expenses, mortgage payments, and even everyday bills and expenses.
When you purchase a life insurance policy, a robust enough policy won’t just cover the basics but will cover your dependents’ future and standard of living as well.
Questions? Contact Health Advocate
2023 QSC BENEFITS SHOWCASE
Voluntary Benefits - Accident
You may purchase accidental injury insurance from Cigna that can help cover out-of-pocket medical expenses. This policy offers a cash benefit if you suffer certain injuries, undergo specific treatments, or incur other itemized expenses resulting from an accident. If elected, your premiums are paid through payroll deductions on an after-tax basis.
This policy is portable, which means that you can keep it should you change jobs or retire, with no increase in premiums.
Questions? Contact Health Advocate
2023 QSC BENEFITS SHOWCASE
Voluntary Benefits - Critical Illness
Cigna’s Critical Illness insurance can help you protect yourself and your family from the unexpected cost of fighting a life-threatening illness. You’ll receive a lump-sum cash payment upon diagnosis of a covered condition such as invasive cancer, a heart attack, stroke, kidney failure, paralysis, blindness, and more.
If you are no longer in your initial eligibility period, you may enroll in the Critical Illness insurance anytime during the year as long as you provide proof of good health. To provide proof of good health, you will be asked to complete a health questionnaire (Evidence of Insurability) and are subject to insurance carrier approval. Cigna may approve or decline coverage based on a review of your health history.
This policy is portable, which means that you can keep it should you change jobs or retire, with no increase in premiums.
Questions? Contact Health Advocate
2023 QSC BENEFITS SHOWCASE
Voluntary Benefits - ID Theft
In today’s world of online shopping, using public Wi-Fi and giving out Social Security numbers as a form of ID, our personal information can be exposed. LifeLock not only has proprietary technology to detect a variety of identity threats, if you do have an ID problem, the US-based team of specialists can help fix it. It pays to have the comprehensive protection of LifeLock. You can choose the LifeLock service that’s right for you
Benefit Elite - LifeLock Benefit Elite is only available as a payroll deducted employee benefit. It includes searching over a trillion data points every day for potential threats to your identity and to financial assets – your 401(k) and investment accounts. Also includes scanning for misuse of your Social Security number, change of address and court records scanning for use of your identity to commit crimes.
Ultimate Plus Life - Lock Ultimate Plus service provides some peace of mind knowing you have LifeLock’s most comprehensive identity theft protection available. Enhanced services include bank account application and takeover alerts, online credit reports and credit scores.
Junior - If you elect the LifeLock Benefit Elite or Ultimate Plus plan, your covered dependents under the age of 18 receive automatic membership into the LifeLock Junior® plan. This protection helps safeguard your child’s Social Security number and good name with proactive identity theft protection designed specifically for children.
Questions? Contact LifeLock
2023 QSC BENEFITS SHOWCASE
Additional Resources - Health Advocate
Health Advocate is a program that provides you with experienced help when dealing with benefit-related issues. Their team includes highly trained registered nurses, backed by a staff of medical directors and administrative experts. When you call Health Advocate for assistance, you are assigned a Personal Health Advocate who takes responsibility for helping you to resolve problems.
Questions? Contact Health Advocate
2023 QSC BENEFITS SHOWCASE
Health & Wellness - Modern Health
QSC has partnered with Modern Health to provide you and your household dependents access to personalized 1:1 coaching and therapy sessions, as well as group and self service resources for your wellbeing, so that you can be the best version of yourself—at home, at work, and in your relationships.
Questions? Contact Modern Health
2023 QSC BENEFITS SHOWCASE
Additional Resources - LiveHealth Online
LiveHealth Online provides you access to talk to a US board-certified doctor any time of day, wherever you are. LiveHealth Online doctors and therapists are available 24/7/365 to resolve many of your medical issues through phone or video consultations without leaving your home or office—no appointments, and no waiting!
Questions? Contact LiveHealth Online
2023 QSC BENEFITS SHOWCASE
Additional Resources - Open Enrollment
During our annual open enrollment period, you have the option to enroll for the first time, add/remove dependents, change plans, or opt out of plans.
There will be no changes to our benefit vendors this year, however, you will still need to log into UGK to confirm your elections. Remember your FSA and HSA contributions need to be updated every year, they will not roll over to the new plan year.
Don't forget to make your Open Enrollment elections between October 24th – November 4th.
Questions? Contact QSC Benefits
2023 QSC BENEFITS SHOWCASE
Additional Resources - Benefit Hub
BenefitHub is a discount marketplace provided by QSC at no cost to you. QSC is pleased to offer you a way to save on a wide range of discounts and perks through our BenefitHub Discount Marketplace. BenefitHub is free, easy to use, and offers a full range of benefits and rewards. Log in to view existing offerings, and watch for additional discounts throughout the year.
Questions? Contact QSC Benefits
