 As a new hire |
 Durning Annual Open Enrollment |
 As the Result of a Qualifying Life Event* |
|
| Timing | Enroll within 90 days of the date you're hired | This is your annual opportunity to review and update your coverage, typically held each fall | Within 30 days of your Qualifying Life Event |
| When coverage take effect | Coverage take effect on your 90th day of employment and remains in effect through December 31 | Coverage takes effect January 1 and remains in effect through December 31 | Changes take effect on the date of the Qualifying Life Event and remain in effect through December 31 |
YOUR BENEFITS DESTINATION
Explore. Learn. Use Your Benefits with Confidence.
Welcome to Your Benefits Destination – your central hub for understanding and making the most of your benefits. Whether you’re enrolling, reviewing your options, or looking for support throughout the year, everything you need is just a click away.
Use the tabs at the top of the page to explore each category. Every section is designed with clear explanations, helpful tools, and easy access to resources that support your health, wellbeing, and financial security.
And if you need something to take on the go, download your current benefits guide by clicking here.
WHEN YOU ENROLL, AND WHEN BENEFITS BEGIN
There are three times when you can enroll:
* A Qualifying Life Event (QLE) is a change in your situation that allows you to make certain changes to your benefits outside of Open Enrollment. For example, you may need to add a dependent to your plan if you’re welcoming a new child to the family or getting married.
QLEs include, but are not limited to: birth or adoption, marriage or divorce, change of dependent status, change in employment status, loss of other group coverage, enrollment in other coverage, and death of a spouse or dependent. Click here to learn more about QLEs and how to update your benefits.
WHO’S ELIGIBLE
To be eligible for most of the programs described in this guide, you must be a full-time, regular team member, scheduled to work at least 30 hours per week.
You can also enroll your eligible dependents, including your:
-
Legal spouse
-
Natural, adopted, foster or stepchild(ren); child(ren) for whom court appointed or legal guardianship has been awarded*; and child(ren) of any age with disabilities (if determined to meet plan requirements)
* You may cover eligible children in the HICV medical, dental, and vision plans until the end of the month they turn 26; and additional life insurance until the end of the month they turn 21 (or 25 if they’re a student).
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Team Member Connect.
MEDICAL, PRESCRIPTION DRUG, DENTAL & VISION
KEEP SCROLLING TO FIND INFORMATION AND RESOURCES ON:
Medical, Prescription Drug, Dental, and Vision Benefits
MEDICAL, PRESCRIPTION DRUG, DENTAL & VISION
Medical, dental, and vision coverage are at the core of our team member benefits. They give you access to the care you need, when you need it. Each plan offers annual preventive care to protect your long-term health—and your wallet—by identifying risks that may turn into serious—and expensive—conditions down the road. They also offer diagnostic care and treatment, should you need it.
Medical Coverage
Nothing is more important than ensuring your family has the coverage it needs to stay healthy! That’s why we offer a range of medical plan options so you can find the right fit for your personal situation.
HICV gives you three medical plan options to choose from:
- Core Plan – A great option that provides low copays for most routine care, such as seeing a doctor or getting lab work. More complex care such as inpatient stays or surgery are subject to a higher deductible. This plan has the lowest bi-weekly premium.
- Consumer Plan with HSA – This option has a higher deductible that applies to all care (excluding preventative care, which is free!). Once the deductible is met, a co-insurance will be applied to claims. This plan is eligible for a Health Savings Account with a contribution from HICV, to cover these out-of-pocket expenses.
- Core Plus Plan – This option has the lowest deductible and copays, but the highest bi-weekly premium. Core Plus offers the most comprehensive coverage, including those expensive and complex care needs like surgery.
DIGITAL ID CARDS
Cigna Healthcare uses digital ID cards through the myCigna.com App for IOS or Android. Employees can still request a printed medical ID card any time on myCigna.com or by calling (800) 244-6224.
For additional information on medical coverage, please refer to:
- Medical Coverage At-a-Glance for details of the coverage each plan offers.
- Supplemental Health Benefits for ways to supplement the coverage option you choose to protect yourself from potentially high costs.
- Saving & Spending Accounts for the opportunity to lower your taxable income by putting aside money to pay eligible healthcare expenses.
- Additional Resources for Summary Plan Descriptions and Summaries of Benefits Coverage.
Personal Benefits Concierge
Your medical coverage comes with your very own personal concierge service through One Guide®, available 24 hours a day, seven days a week. Your concierge can connect you with a registered nurse or other qualified expert for the information, support or health pointers you need—at a moment’s notice. Get help with the basics, like finding and scheduling an appointment with a doctor, specialist or urgent care near you. Enjoy personalized assistance with other pressing, often time-consuming tasks, such as comparing costs before scheduling medical treatment. And get real-time advice on how to prepare for surgery and take steps toward a healthy recovery. This is tailored assistance, at your fingertips.
To use OneGuide, simply call (800) 244-6224 or use the myCigna mobile app to start a virtual chat session from 9 a.m. to 8 p.m. ET. (Apple App Store or Google Play)
Prescription Drug Coverage
Your prescription drug coverage is managed by Express Scripts®. The amount you pay for each prescription is based on the drug tier and whether you choose a retail pharmacy or home delivery.
After you’ve filled a 30-day supply of a long-term medication twice at a non-Walgreens/CVS retail pharmacy, Express Scripts will automatically enroll your prescription for 90-day refills. Call Express Scripts to let them know if you would like to:
- Move your prescription to be filled at your local Walgreens or CVS;
- Use the mail-order pharmacy for home delivery and automatic refills; or
- Continue to fill your prescription for 30 days at a time at a local non-Walgreens/CVS pharmacy.
Price Assure – powered by GoodRx® – does the comparison shopping for you. You may find a better price for prescriptions, even when you’re using your insurance. Check it out.
| Prescription Drug Coverage* | ||||||
| Core Plan | Consumer Plan with HSA | Core Plus Plan | ||||
| In-Network | Out-of-Network | In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Annual deductible | $0 (not combined w/medical) | N/A | Combined w/medical | N/A | $0 (not combined w/medical) | N/A |
| Retail Pharmacy (typically a 30-day supply) | ||||||
| Tier 1 (generic drugs) | $10 | Not covered | $10 after deductible | Not covered | $10 | Not covered |
| Tier 2 (preferred, brand-name drugs) | $35 | Not covered | $35 after deductible | Not covered | $35 | Not covered |
| Tier 3 (non-preferred, brand-name drugs) | $60 | Not covered | $60 after deductible | Not covered | $60 | Not covered |
| Tier 4 (specialty drugs) | $125 | Not covered | $125 after deductible | Not covered | $125 | Not covered |
| Home Delivery (up to a 90-day supply) | ||||||
| All tiers | 2.5x retail copay | Not covered | 2.5x retail copay | Not covered | 2.5x retail copay | Not covered |
*If you fill a brand-name drug when a generic equivalent is available, you will pay for the generic drug copay PLUS the difference in cost between the brand and generic drugs.
*If you fill a brand-name drug when a generic equivalent is available, you will pay for the generic drug copay PLUS the difference in cost between the brand and generic drugs.
Dental Coverage
Regular dental care is critical to your overall health. Take care of your teeth, and they’ll take care of you!
Your choices:
- Core Dental Plan – The option to choose if you expect to need less extensive care.
- Dental Plus Plan – Offers more comprehensive coverage, including orthodontia.
When you use in-network providers, you’ll pay less for care and your dentist will submit your claims for you. Out-of-network providers will likely cost you more, and you’ll have to submit your own claims.
Virtual Care
HICV offers virtual dental care to help when you’re unable to see your regular provider. Simply log on to your mycigna.com account and follow the prompts to the virtual care portal. After you enter some basic health information, you'll be connected with a dentist in ten minutes or less.
Enroll in mycigna.com or more information, including plan information, oral health assessments, claim information and discounts on a variety of health and wellness services.
Coverage At-a-Glance
| Core Dental Plan | Dental Plus Plan | |
| Annual deductible (individual/family) | $50/$150 | $25/$75 |
| Calendar year maximum (per person) | $1,000 | $2,000 |
| Preventive care (oral exam, cleaning, routine X-rays, sealants up to age 14) | 100% covered; no cost to you | 100% covered; no cost to you |
| Basic care (fillings, oral surgery, major and minor periodontics, endodontics) | Plan pays 80% after deductible | Plan pays 80% after deductible |
| Major care (inlays, onlays, crowns, dentures, bridges) | Plan pays 50% after deductible | Plan pays 50% after deductible |
| Orthodontia (children and adults) | Not covered | Plan pays 50%; plan covers up to $2,000 per lifetime |
New Dental Enhancements for 2026
Earn a $100 boost to your annual maximum each year you get your regular cleanings (up to $300). Plus, if you have certain health conditions, you’ll automatically be enrolled in programs that cover additional dental services at no cost to you.
Vision Coverage
If you wear glasses or contacts, you already know how expensive they can be – and how important regular checkups are. The VSP® Vision Care plan can help keep your eyes healthy and your costs down.
In addition, we all need to protect our eyes from blue light emitting screens and the sun. The VSP Vision Care Plan can help keep your eyes healthy even if you have 20/20 vision. There’s coverage for everyone!
Coverage comes with a comprehensive vision exam. Then, you choose either prescription eyewear or to use your frames and lenses allowances for ready-to-wear:
- Non-prescription sunglasses or
- Non-prescription blue light filtering glasses
You have the flexibility to visit any provider for most care and will generally pay less (a small copay) when you receive care in-network. Note: Laser vision correction and LightCare™ non-prescription glasses are only covered at in-network providers.
Visit vsp.com or call (800) 877-7195 to find in-network providers near you and for additional information.
Note: You won’t receive a VSP ID card. Instead, your provider will ask for your personal information (e.g., date of birth and Social Security number) and our plan’s group number (30010946) to verify your coverage.
Coverage At-a-Glance
The amount you pay and how you pay for care depends on whether you visit an in-network VSP provider or out-of-network provider.
| VSP Provider | Non-VSP Provider | |
| Routine eye exam (once every 12 months) | $10 copay | Up to $45 allowance |
| Lenses (once every 12 months) | $15 copay for single, bifocal and trifocal | Single: up to $45 Bifocal: up to $65 Trifocal: up to $85 |
| Frames (once every 24 months) | Up to $150 allowance + 20% discount off amount over allowance · Up to $80 allowance at Costco · Up to $150 allowance at Walmart · Up to $170 allowance on feature frame brands |
Up to $70 allowance |
| Elective contact lenses (in lieu of frames) | Up to $150 allowance (the lens exam, fitting and evaluation are deducted from the contact lenses allowance) | Up to $105 allowance |
| Necessary contact lenses | $15 copay | Up to $210 allowance |
| Laser vision correction (LASIK) | 15% off regular price or 5% off promotional price from VSP-contracted facilities | Not covered |
| LightCare™ non-prescription sunglasses or blue light filtering glasses or pre-made and ready-to-wear glasses from a doctor’s frame board or eyeconic.com | Up to $150 allowance | Not covered |
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Team Member Connect.
HEALTH SAVINGS & SPENDING ACCOUNTS
KEEP SCROLLING TO FIND INFORMATION AND RESOURCES ON:
Health Savings Accounts & Flexible Spending Accounts
HEALTH SAVINGS & SPENDING ACCOUNTS
HICV offers two types of tax-advantaged accounts, and the account you are eligible for depends on the medical plan option you enroll in:
-
The Health Savings Account (HSA) is available when you enroll in the Consumer Plan with HSA option; and
-
The Healthcare Flexible Spending Account (Healthcare FSA) is available when you enroll in the Core Plan or Core Plus Plan through HICV or an outside medical plan that is not a high deductible plan.
Review the HSA vs. FSA At-a-Glance to compare how these accounts work.
A “tax-advantaged account” means the money you deposit is taken from your paycheck before taxes are calculated. So, you don’t pay taxes on the amount you deposit in your HSA or Healthcare FSA and you lower the amount you’re taxed on.
Health Savings Account
If you enroll in the Consumer Plan with HSA , you’ll be eligible to open and contribute to a Health Savings Account (HSA). An HSA is a savings account owned by you that allows you to set aside pre-tax dollars to pay for eligible medical, prescription drug, dental and vision expenses for you and your enrolled dependents. You can also save your balance to pay for expenses incurred in the future, even as far in the future as retirement. You never forfeit your balance, even if you leave the company or switch medical plans.
After you’ve opened your account with Optum, you can choose how much to contribute through payroll deductions by completing the “I want to contribute to my HSA” life event in UKG. Contributions can be updated any time throughout the year.
HICV Contributions
As an extra contribution to your healthcare coverage, HICV will contribute to your HSA:
- Up to $500 per year or $19.23 bi-weekly for employee only coverage; and
- Up to $750 per year or $28.85 bi-weekly if you cover any dependents.
To receive employer contributions, you must open an HSA through Optum Bank at optumbank.com or by calling (866) 234-8913. Please reference group #3337320.
IRS Maximums
Under IRS rules, the maximum amount that can be deposited into your HSA (combining your contributions and HICV’s contributions) is:
Calendar Year 2026:
- $4,400, if you have employee only medical coverage; or
- $8,750, if you cover any dependents.
If you are at least 55 years old—or will turn 55 any time in the calendar year—you can make an additional $1,000 contribution to an HSA.
Note: If you are currently contributing to the Health Care Flexible Spending Account (or another general-purpose healthcare FSA), and choose to participate in the HSA in 2026, you must exhaust your full balance in the FSA before January 1, 2026, in order to enroll in the HSA.
Flexible Spending Accounts
The Healthcare Flexible Spending Account (FSA) through Optum is a great way to use pre-tax dollars to pay for predictable healthcare expenses.
Note: If you enroll in the Consumer Plan with HSA or a similar high deductible health plan, you have access to a tax-advantaged Health Savings Account and cannot participate in the FSA.
How the FSA Works
- You must be enrolled in either the Core Plan or Core Plus Plan through HICV or an outside medical plan that is not a high deductible plan.
- You can contribute up to $3,400 in 2026 to use for eligible medical, prescription drug, dental, and vision expenses.
- Estimate your annual contribution carefully. FSAs follow a “use it or lose it” rule, which means any balance left after the grace period for claims and carryover to the following the plan year is forfeited.
- The grace period for claims lets you submit claims until March 31, for expenses incurred through December 31.
- The carryover will allow you to roll over up to $680 of your unused balance from 2026 into 2027, after all eligible claims have been submitted by the March 31 deadline. As long as you maintain your Healthcare FSA, you can continue to roll over remaining funds indefinitely, up to the IRS limit.
- To participate in the Healthcare FSA, you must re-enroll each year during Open Enrollment. Your election will not carry over from one year to the next and you cannot make changes to your contribution election throughout the year.
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Team Member Connect.
SUPPLEMENTAL HEALTH
Hospital Indemnity, Accident, and Critical Illness Insurance
We offer three coverage options that are designed to supplement your medical coverage to protect you from unplanned and often costly, complex care. These plans are offered through Cigna, and you choose which plan(s) will give you peace of mind when paired with your medical coverage.
Accident Insurance
Pays a cash benefit for a wide variety of injuries and accident-related expenses, including:
- Ambulance service
- X-rays, labs and MRIs
- Dislocations and fractures
- Hospitalization and surgery
- And much more
Critical Illness Insurance
Pays a cash benefit when you’re diagnosed with a covered illness, including:
- Cancer
- Heart attack
- Stroke
- End-stage renal (kidney) failure
- Other critical illness
Hospital Indemnity
Pays a cash benefit to you if you experience an inpatient hospital stay.
How These Plans Work
- You don’t need to enroll in HICV medical coverage to take advantage of these plans.*
- You pay for coverage through convenient, after-tax payroll deductions.
- If a covered event occurs and you file a claim, you will receive a payment, based on your policy and coverage.
- You can use the payment(s) you receive in any way you choose—whether it be paying a medical bill or daily living expenses, like food, transportation or childcare.
- When you enroll on UKG Pro, you will see the costs for this coverage, which are based on the plan(s) you choose, who you cover, and, in some cases, your age.
Earn a Health Screening Benefit
You and your covered dependents can each earn $50 per year from the accident and critical illness plans. This benefit may be paid for receiving eligible screenings such as a mammogram, colonoscopy, annual checkup and more.
*Unless required by local or state law.
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Team Member Connect.
DISABILITY, LIFE & AD&D
KEEP SCROLLING TO FIND INFORMATION AND RESOURCES ON:
Voluntary Short-Term Disability, Long-Term Disability, and Life and Accidental Death & Dismemberment Insurance
DISABILITY, LIFE & AD&D
Life has a way of taking you by surprise. Although you can’t predict the future, you can give yourself a safety net. That’s why HICV offers a range of insurance options to help you protect yourself and your family from the unexpected.
Disability Coverage
| Short-Term Disability (STD) | Long-Term Disability (LTD) | |
| Access | All eligible team members can buy voluntary STD coverage. | Eligible exempt (salaried) team members are automatically enrolled in company-paid LTD. Eligible non-exempt (hourly) team members can buy voluntary LTD coverage. |
| Benefits begin | 15th day after the onset of the disability | After 180 days |
| Benefits duration/ payable | 180 days (6 months) | 24 months or until you reach normal retirement age |
| Percentage of income replaced | 60% | 60% |
| Maximum benefit | $1,500/ week | $15,000/ month |
| Pre-existing condition exclusions | If you receive a diagnosis or treatment in the three months prior to your start of coverage, you are not eligible for benefits (specifically for that diagnosis) for six months after coverage begins. | If you receive a diagnosis or treatment in the three months prior to your start of coverage, you are not eligible for benefits (specifically for that diagnosis) for 12 months after coverage begins. |
Vice Presidents and above have different plan provisions. Contact Team Member Connect at TMConnect@holidayinnclub.com or (407) 395-6400 Option 1 for details.
LTD Tax Options for Exempt Team Members
There are two options in the LTD plan that define how you are taxed:
- Gross-Up: You automatically pay weekly taxes only on the premiums that we pay on your behalf. So, if you become disabled, benefits will be paid tax-free, meaning you will receive more money.
- Non-Gross-Up: You choose not to pay taxes now on the premiums we pay for you. However, if you become disabled, you will pay taxes on the money you receive, lowering the amount you are paid.
When you enroll, you will be automatically enrolled in the gross-up option. To change to the non-gross-up option, you must complete a waiver form during Open Enrollment or within 30 days of your hire date.
Calculate Disability Coverage Rates
Since HICV operates on a bi-weekly pay schedule, please multiply the weekly coverage rates shown here by two.
Certificates of Coverage
Life and Accidental Death & Dismemberment Insurance
HICV-Provided Coverage
We automatically enroll all eligible, full-time regular team members in Basic Life/Accidental Death & Dismemberment (AD&D) Insurance at no cost to you:
- Coverage begins on the 91st day of employment
- Provides $15,000 life insurance + $15,000 AD&D coverage
- When you reach age 70, your original insurance amount is reduced by 50%
Worldwide Travel Assistance
Find comfort and support, even when you’re away. Your HICV-provided coverage can come to the rescue should you experience an unexpected medical emergency on vacation or during a business trip abroad lasting up to 90 days in length, and more than 100 miles from home. Coverage includes help organizing transportation arrangements, finding medical providers, locating lost baggage, securing translation services and relaying messages to family and coworkers. The plan covers you and any spouse or children on your plan.
Identity Theft Assistance
Your HICV-provided coverage also comes with Identity Theft Assistance. Identity Theft Assistance, provided by AXA Assistance, helps you and your dependents understand the risks of identity theft, learn how to prevent it, and most importantly, assist you if your information is compromised. Call AXA at (800) 856-9947 for more information.
Additional Life Insurance Coverage
You may choose to purchase additional life insurance benefits at a special group rate.
- To be eligible for coverage, you must be employed, able to work and perform normal activities, and not be confined (at home, in a hospital or in any other care facility).
- When you purchase additional life insurance, you‘ll also receive an equal amount of AD&D coverage.
- To purchase life insurance for your dependents, you must first purchase coverage for yourself
Visit Lincoln Financial to submit EOI: www.MyLincolnPortal.com. Company Code for registration: HICV. Group number 09-LF1172.
Coverage At-a-Glance
| Maximum Benefit | Minimum Benefit | Guarantee Issue* | Benefit Reduction | |
| Team Member | Up to 7 x annual salary, not to exceed $500,000 ($5,000 increments) | $5,000 | Up to 7 x annual salary, not to exceed $150,000 | Reduced by 50% at age 70 |
| Spouse | Up to 100% of team member’s benefit amount, not to exceed $250,000 ($5,000 increments) | $5,000 | 100% of team member’s benefit amount, not to exceed $25,000 | Reduced by 50% at age 70 |
| Child(ren) (14 days old to age 26) | Up to 100% of team member’s benefit amount, not to exceed $10,000 ($2,500 increments) | $2,500 | $10,000 | N/A |
*The guarantee issue is the amount of coverage you can enroll in without providing Evidence of Insurability.
You may annually elect to increase the amount of your additional life insurance benefit in two $5,000 increments (up to $10,000) without providing EOI. To be eligible, you must be insured under the policy at the time you request the increase and actively employed. The election can only be made during Open Enrollment and is subject to the guarantee issue limit and plan maximums.
If you have specific questions about your supplemental coverage or to update your beneficiary information, contact Team Member Connect at TMConnect@holidayinnclub.com or (407) 395-6400.
Calculate Life and AD&D Coverage Rates
Since HICV operates on a bi-weekly pay schedule, please multiply the weekly coverage rates shown here by two.
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Team Member Connect.
SAVING FOR RETIREMENT
401(k) Plan
To help you reach your retirement goals, HICV will match 100% of the first 4% of your pay that you contribute to the Retirement Savings Plan (401(k) Plan), up to IRS limits.
Planning for retirement is about saving enough money now to ensure you can maintain your lifestyle after you retire. The 401(k) Plan, through T.Rowe Price, can help.
Visit rps.troweprice.com to enroll, view your account balance, change your contribution amount, re-allocate your investments and review and update your beneficiary information.
Plan Overview
- All team members become eligible to participate immediately.
- Your contributions can be deducted from your pay before income taxes are taken out of each check (before-tax contributions) or after income taxes are calculated (Roth contributions).
- Choosing before-tax contributions means you pay less in income taxes now and will be taxed on your 401(k) income in retirement.
- Choosing Roth contributions means you pay the income taxes on your contributions now and will not be taxed on your 401(k) income in retirement.
- You can choose a combination of before-tax and Roth contributions.
- You’re immediately vested (meaning you have an undeniable right to your balance) in the contributions you make.
- As a part of our commitment to helping you plan for retirement, HICV will match 100% of the first 4% of your pay that you contribute to your account, up to IRS limits.
- You become vested in your HICV matching contributions after two years of service. A year of service is any calendar year you work a minimum of 1,000 hours.
- You choose how your balance is invested, choosing from a variety of stocks and bonds available.
- You can change your investment allocations anytime during the year.
- You must designate a beneficiary and keep that information up to date to ensure your account is distributed in accordance with your wishes.
Call the Retirement Service Center at (800) 922-9945 if you need help or have questions.
Accessing Your Account Prior to Retirement
Experts commonly recommend you should have between 70% and 80% of your pre-retirement income during retirement. That takes preparation. HICV and the IRS encourage you to save your 401(K) balance to use during retirement. The IRS imposes penalties on early withdrawals from your account, unless you meet certain eligibility.
HICV understands that life happens and competing priorities may make it necessary to use some of your account balance from time to time. You have two options:
Personal Account Loan
You can take a loan from your vested account balance.
- The minimum amount you may borrow is $1,000.
- The maximum you may borrow is the lesser of 50% of your vested account balance or $50,000 minus your highest outstanding loan balance (a total of all your plan loans) from the preceding 12 months.
- You may not have more than one loan at any time.
- Your loan plus interest must be paid back within five years, except for primary residence loans, which must be repaid in 30 years.
- If you leave the company, you must repay your loan in full. Otherwise, the outstanding balance will be considered a distribution.
Qualified Birth or Adoption Distribution
Raising a child is incredibly rewarding, but it doesn’t come without costs. As soon as your new family member officially arrives (and up to anytime within their first year with you), you can withdraw up to $5,000 (per HICV-employed parent) from your HICV 401(K) Plan—without any early withdrawal penalties—to help pay for associated costs. For more information, please contact T.Rowe Price at (800) 922-9945.
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Team Member Connect.
WELLBEING & SELF CARE
KEEP SCROLLING TO FIND INFORMATION AND RESOURCES ON:
Physical Wellbeing, Emotional Wellbeing, Financial Wellbeing, and Social Wellbeing
WELLBEING & SELF CARE
At HICV we support a holistic wellbeing approach—providing resources for your physical, emotional, financial, and social wellbeing.
For more information on any of the Cigna programs, call the number on the back of your ID card or visit mycigna.com.
Physical Wellbeing
- Lifestyle management programs* to help you quit using tobacco, lose weight and manage stress.
- Condition management program* that offers support if you’re diagnosed with a serious illness, such as cancer, diabetes or heart disease. Experts will help you understand your diagnosis and options and prepare for appointments.
- The Cigna Healthy Pregnancies, Healthy Babies® program* provides education and support throughout your entire pregnancy—and after. Get rewarded for making this good decision with a $150 gift card if you enroll in the first trimester and a $75 gift card if you enroll in the second trimester. Check out the Cigna Healthy Pregnancy® app, which can be found in the App Store and Google Play.
- The Active&Fit Direct program* through Cigna Healthy Rewards offers the opportunity to become more active without breaking the bank. Here’s what you get:
- A $28 per month gym membership (over 11,500 gyms to choose from); and/or
- 20% - 70% discount on a premium exercise studio membership (over 4,500 studios to choose from); and
- No long-term contract. You can cancel any time and switch to another facility.
- Company-wide fitness challenges use some friendly competition to get us moving. Look for information throughout the year.
- Onsite fitness centers at many locations, where you can get your heart rate up, sweat out the stress and keep your body happy. Check with your location to see what’s available.
*These programs are offered by Cigna to team members who enroll in HICV medical plan coverage. For more information on any of these programs, call the number on the back of your ID card or visit my.cigna.com.
Emotional Wellbeing
It’s okay to not feel okay. We all need help from time to time, and we want to help you when you need it.
- The Cigna Employee Assistance Program is available to all HICV team members and anyone living in their household. It offers 24/7 assistance, at no cost to you, and you don’t need to be enrolled in the HICV medical plan to take advantage of it. You and anyone living in your household can access up to six counseling sessions each, per issue, per year, for free. Sessions can be live or virtual. The EAP can help with:
- Stress
- Resiliency
- Depression, mental health and grief
- Gambling and other addictive behaviors
- Parenting, relationships and life changes
- Financial issues
- Drug and alcohol use
- Cigna support*, including access to iPrevail and Happify, offers self-directed resources, on-demand coaching and caregiver support, games and guided meditation.
- Headspace*, offered by Cigna, brings together coaches, therapists and psychiatrists that work as a team to coordinate the best, personalized care right from your smartphone, whenever and wherever you need it.
*These programs are offered by Cigna to team members who enroll in HICV medical plan coverage. For more information on any of these programs, call the number on the back of your ID card or visit my.cigna.com.
Financial Wellbeing
- HICV will match 100% of the first 4% of your pay that you contribute to the Retirement Savings Plan (401(k) Plan), up to IRS limits. Refer to the Saving for Retirement page for details.
- Heart Travels Assistance Program.
- Heart Travels Relief Fund – This fund was created specifically to help team members who are facing financial difficulties following a natural disaster or an unforeseen personal hardship. You can apply for a grant for financial assistance to help you get back up and running.
- Family Assistance Grant – This grant was designed to help our team members grow their own families. Whether adopting a child, using a surrogate, or receiving infertility treatment, you can use this grant to help cover these expenses for expanding your family.
- To learn more about our Heart Travels Assistance Program, please visit hcvhearttravels.com.
- Tuition Assistance Program, to help pay for an eligible team member’s continuing education. See the Travel and Lifestyle Perks page for more information.
Social Wellbeing
- Orange at Heart, our team member appreciation program, makes it easy to reward a job well done through an online, points-based recognition platform. You can give and receive virtual kudos, pats on the back and high fives from team members, and leaders can formally acknowledge your efforts to bring our core values to life. Click on the Orange at Heart tile in Okta.
- Through our Heart Travels Assistance Program, selfless team members across our company give funds, goods and time to families in need. Each year, we host drives, fundraisers, volunteer opportunities and special events to support various charitable organizations in our community. And we make it easy for you to get involved! All team members are eligible for up to 16 hours of Volunteer Time Off (VTO) during normal work hours, as approved by your leader.
- Diversity, Inclusion and Belonging defines our authentic culture, where you can be yourself at work. The way you look, sound, love and think is perfect – that’s who you are, and we value that. Check out The Garden on myAcademy for the latest news from our Diversity Council.
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Team Member Connect.
TRAVEL & LIFESTYLE BENEFITS
KEEP SCROLLING TO FIND INFORMATION AND RESOURCES ON:
Travel Perks, PerkSpot Discounts, Pet Insurance, Family Planning Assistance, Tuition Assistance, and College Partnerships.
TRAVEL & LIFESTYLE BENEFITS
There’s so much to see and do, and we want to help you save money, make plans, and experience our amazing resorts.
ClubGo is your best opportunity to experience our growing resort network. Whether you prefer to spend your time away on the slopes, in the pool, on the beach or in the concrete jungle, you can create new vacation memories your way through our unique travel program.
You’ll be enrolled automatically and will receive a free allotment of ClubGo points (our program currency) annually, based on your tenure. Redeem points for vacations at any of our resorts located in the US. These points are good for two years, and any you don’t use roll over into the following year, giving you plenty of chances to plan plenty of unforgettable getaways.
All full-time and part-time regular team members will be automatically enrolled in the program. New team members will receive their points at the beginning of the quarter following their 90th day of employment. From then on, you’ll receive your ClubGo points annually. How many you receive depends on your tenure:
| Tenure | 90 Days or Less | 91 Days to 1 Year | 2 to 3 Years | 4 to 8 Years | 9+ Years |
| Annual Club Points | 0 | 25,000 | 50,000 | 75,000 | 100,000 |
ClubGo points will expire Dec. 31 on the second year after being issued. For example, points issued in 2025 will expire Dec. 31, 2026.
You may purchase additional ClubGo points ($10 per 1,000) if needed to complete your reservation at the time of transaction. These points can also be used toward upgrading a villa type or length of stay.
A reservation fee of $74 is required to book a ClubGo reservation.
ClubGo Points Charts
To review the ClubGo points per season for each resort, click here.
Look for MAXtime Savings
MAXtime Savings are highly discounted, last-minute travel deals at Club resorts announced by email.
Creating an Online Account
All reservations must be made online at clubgo.holidayinnclub.com. Once a team member has been assigned their ClubGo member number (which takes place the first of the quarter following the 90th day of a team member’s employment), an account can be created on members.holidayinnclub.com by following the steps below:
- Visit clubgo.holidayinnclub.com
- Click on “Create Account” in the top right corner
- Enter your ClubGo member number
- Enter your date of birth (mm/dd/yyyy)
- Enter the last 4 digits of your Social Security Number (SSN)
- Type in the code from the image provided
- Enter your contact information, create a username/password, set up two security questions
- Complete the account set up by clicking “Submit”
Booking a Stay
Once logged into your ClubGo account on clubgo.holidayinnclub.com, click on the “Plan & Reserve Your Vacation” section to book a reservation using your ClubGo points.
Program Rules
Team members will pay taxes on ClubGo stays, which are calculated based on the value of ClubGo points used for a stay and applicable income taxes. Taxes will be deducted from a team member’s paycheck after a ClubGo stay occurs.
For full ClubGo terms and conditions, click here.
Questions?
Frequently asked questions (FAQs) around ClubGo are available here. For additional questions regarding the program, please email TMConnect@holidayinnclub.com.
If you have questions regarding specific ClubGo bookings, please call The Club at (888) 631-7115.
IHG® Room Benefit Program
IHG® Room Benefit Program
We give you even more ways to roam when you stay within the family. Starting on your very first day at HICV, enjoy deeply discounted room rates at more than 5,600 Intercontinental Hotels Group (IHG) properties (subject to availability). Plus receive special incentives and discounts to share with your friends and family, too.
How to Enroll
To take advantage of the IHG Employee Room Benefit Program and Friends & Family Rates, you must first register as an IHG One Rewards Club member at ihg.com. From there, complete this form or contact Team Member Connect at (407) 395-6400 or TMConnect@holidayinnclub.com to validate your account. Be sure to have your employee ID and IHG One Rewards Club member number ready.
How to Book
To book a discounted room rate for yourself, use your IHG member number to log into ihg.com and select one of the rates below in the “Rate Preference” section of the search page.
Choose the rate that works for you:
- With the IHG One Pass Rate, you and your Plus One can collectively book a maximum of 30 room nights per calendar year.
- With IHG One Pass Flex Rate you and your Plus One can book nights that don’t count toward your annual room night allotment, and you still have access to the 50% Food & Beverage Discount.
- With IHG One Pass Friends Rate, you and your Five Friends can collectively book up to 50 room nights per calendar year.
To learn more about adding friends and family to your rate access, please visit your IHG One Pass Program Guide.
Should you have questions, please contact Team Member Connect at (407) 395-6400 or TMConnect@holidayinnclub.com.
Team Member Discounts
We believe the people who keep our resorts running should get to experience the magic of them firsthand. That’s why we also offer discounts at HICV restaurants, retail outlets, and local attractions, and free putt-putt golf for team members and their guests at select HICV resorts.
Team members can receive 10% off purchases at on-property retail shops, food and (non-alcoholic) beverage outlets, and activity and recreational venues at HICV-managed resorts. Team members can use the discount whether visiting or on a break.
Restriction and black-out dates may apply. Discounts are available while you are working at or visiting one of our resorts. Bring your company ID and/or wear your HICV resort uniform to prove you’re a current and active team member. Nametags alone are not permissible proof.
Note: Alcoholic beverages are not eligible and an 18% gratuity will be added to your food & beverage check prior to the application of the 10% discount.
Directors and Above: RCI Exchange Program
After your first year of employment, you have the unique opportunity to enjoy a seven-night stay at any of the 4,300 domestic and international RCI affiliated resorts for only $299!*
You can use this benefit once per year, and reservations are subject to availability. Being flexible with regions, dates and resorts makes it easier to find a reservation through this program.
To take advantage of this program, fill out the Exchange Request Form and follow the directions on the form to submit your request.
To learn more about this program, refer to the policy document.
*There may be additional charges such as resort or parking fees not included in the exchange fee.
Pet Insurance
HICV understands some family members may walk on four legs. Your pets are always there for you. We want to make it easier for you to be there for them.
HICV has partnered with MetLife to offer Pet Insurance to all team members.
Coverage comes with:
- A range of coverage options that will reimburse you for the costs of care for an illness or injury.
- Optional coverage for preventive care that covers annual visits, shots and medications.
- Convenient payroll deductions to pay for coverage.
- The freedom to visit any U.S. licensed vet, which means you don’t have to change providers to participate, and you’re covered while you’re traveling as well!
- 24/7 access to Telehealth Concierge Services, for answers to the questions that wake you up in the middle of the night.
- Discounts and offers on pet care.
- Access to the MetLife Pet mobile app to submit and track claims, manage your pet’s health and wellness and find nearby services.
Visit MetLife or call (800) GET MET8 to get a custom quote based on your pet’s breed and age and the coverage you choose:
- The annual deductible amount you pay out-of-pocket before the plan begins paying benefits.
- The percentage of costs after the deductible that you will be reimbursed.
- Your annual limit for coverage.
- Whether to include preventive care in your coverage as well.
Note: If you go claim-free in a policy year, MetLife will automatically decrease your deductible by $50.
You can enroll on the MetLife website any time during the year, including during Open Enrollment. Accident and optional preventive coverage takes effect on the date of your policy. Illness coverage begins 14 days later.
After you enroll, the process is simple. Take your pet to the vet and pay the bill. Submit your bill to MetLife (even if you haven’t reached your deductible yet). If you’ve met your annual deductible and have not met your annual limit, you’ll be reimbursed for a percentage of the remaining cost, based on the reimbursement percentage you chose.
Use the mobile app, MetLife website, email, fax, or mail to submit your bills. Typically, your claim will be processed within 10 days, and you can receive your reimbursement by check or direct deposit. You’ll set up the process on the MetLife website.
Coverage At-a-Glance
Accident and Illness Insurance Covers
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Exam fees
-
Surgeries
-
Medications
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Ultrasounds, X-rays, diagnostic tests
-
Hospital stays
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Hip dysplasia
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Hereditary conditions
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Congenital conditions
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Holistic care
- Chronic conditions
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Alternative therapies
-
Much more
Optional Preventive Care Covers
- Annual exam fees
- Vaccinations and preventive medications
- Flea and tick treatment
- Spay and neuter
- Heartworm prevention
- Behavioral training
- Teeth cleaning
- Microchipping
- Much more
PerkSpot® Discount Program
You have access to the Holiday Inn Club Vacations Discount Program, powered by PerkSpot. With PerkSpot, you can save on exclusive discounts in 25+ categories from local establishments to big-name brands! We ensure you see offers curated to your interests, allowing you to save on electronics, home goods, meal delivery, mortgages, travel, and all the other little—and big—things that will make life a bit easier. Sign in or activate today at http://hicvperks.perkspot.com/ today!
Family Planning Assistance
At HICV, family is at the heart of all we do. We follow the purpose of strengthening families for the owners and guests who travel with our brand and the thousands of team members located across the U.S. who make up our diverse workforce. Through our products, services, and partnerships, we are striving to not only understand but also support and champion, all types of families.
The company offers grants for adoption, surrogacy and infertility treatment through the Heart Travels Assistance Program. These grants will be used to help cover expenses associated with adopting a child 18 years or younger, using a surrogate to assist in carrying and giving birth to a child, or receiving infertility treatment that is not covered under a medical plan.
Tuition Assistance
Feed your ambition with our Tuition Assistance Program, designed to help you move forward in your career while working on your degree. Full-time team members can receive $2,500 tuition reimbursement and part-time team members can receive $1,000 tuition reimbursement per calendar year toward degrees at any accredited learning institution recognized by the National Association of Schools and Colleges. You can participate in this program when you’ve been with the company for at least six months. Visit our Tuition Assistance page on the resources tab in myAcademy to learn more.
College Partnerships
HICV has established college partnerships with a variety of universities and colleges. These partnerships offer team members, as well as spouses in some cases, discounts on application fees and tuition. For more details regarding these partnerships, visit our Learning Partners page on myAcademy.
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Team Member Connect.
PAID TIME OFF
Paid Time Off
Life is full of important milestones that deserve to be celebrated. That’s why we give you a calendar full of paid holidays and Paid Time Off (PTO) to help you enjoy them all. Our flexible PTO program combines sick, personal and vacation days into one, so you can take the time you need whenever you please. Plus, the longer you’re on the team, the more you earn!
Non-Exempt Team Members PTO
| Years of Service | Annual Allotment |
| Hire to 2 years | 12 days |
| 2 – 5 years | 15 days |
| 5 – 10 years | 20 days |
| 10+ years | 25 days |
Corporate and Exempt Team Members PTO
| Years of Service | Annual Allotment |
| Hire to 5 years | 15 days |
| 5 – 10 years | 20 days |
| 10+ years | 25 days |
Note: PTO is accrued on a bi-weekly basis.
Each year the company offers the following days as paid holidays:
- New Year’s Day
- Martin Luther King Jr. Day
- Memorial Day
- Independence Day
- Labor Day
- Thanksgiving Day
- Day after Thanksgiving (for corporate and exempt team members only)
- Christmas Day
- 2 floating holidays*
For more information on our PTO program, please refer to the PTO policy located in the Policy Portal, which can be accessed on the homepage of UKG Pro.
Paid holidays and PTO are based upon work location and exemption status. View which departments are considered corporate (exempt).
*Only team members hired prior to September 1 of the current year will receive floating holidays.
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Team Member Connect.
ADDITIONAL RESOURCES
Additional Resources
Educational Video
Summary Plan Descriptions (SPDs)
An SPD explains what a health or retirement plan provides and how it operates.
Summaries of Benefits and Coverages (SBCs)
An SBC is an easy-to-read snapshot of a health plan costs, benefits, coverage and other features.
Summary Annual Reports (SARs)
An SAR is an overview of a benefit plan's financial status, including its assets, liabilities, income, expenses, and the benefits provided to participants.
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Human Resources.
FEATURED CONTENT
Welcome to the new Featured Content tab on Your Benefits Destination. This space highlights timely resources to support you throughout the year - so make sure to check back regularly!
FIND THE HICV BENEFITS THAT FIT YOUR LIFE
No two lives look exactly the same and neither do benefit needs. Whether you’re just starting out, raising a family, or planning what comes next, HICV benefits are designed to support you at every stage of life.
See yourself resonating with someone below? Click on their tab jump down to read their full story and how they are taking advantage of their HICV benefits to help you make the best decisions for you and your family.
Find Answers Faster
Got a Question? You Might Already Have the Answer. Before you pick up the phone to call Team Member Connect, take a quick look at many of the most common questions we hear that can be answered in seconds with just one click on Your Benefits Destination. You've already made it this far online, just click on the button below, skip the call, and find what you're looking for!
MEET JUAN
Life Stage: Family + Caregiving
“Some days I feel like I’m taking
care of everyone.”
MEET ALYSSA
Life Stage: Growing Family
“I want to focus on my baby,
not on surprise medical bills.”
MEET MARCUS
Life Stage: Mid-Career + College Planning
“College tuition is around the
corner and retirement isn’t that far behind.”
MEET DENISE
Life Stage: Preparing for Retirement
“I want to make sure I’m ready
for the next chapter.”
MEET JORDAN
Life Stage: Early Career
“This is my first job with real benefits —
I’m still figuring them out.”
Extra Support When Life Happens
Life doesn’t always go as planned—and your HICV benefits are here to help. From pet insurance to travel benefits, the Heart Travels Relief Fund, and Family Assistance Grants, you have support for both life’s surprises and its meaningful moments beyond work.
Throughout these scenarios, you’ll see callouts showing how these additional benefits may fit someone's story, or you can jump down to the Additional Benefits section at the bottom of the page to explore more.
MEET JUAN
Life Stage: Family + Caregiving
“Some days I feel like I’m taking care of everyone.”
Most mornings, Juan is the first one up—packing lunches, getting the kids ready for school, and checking in with his mom before the day begins. Between work, family, and helping his mom get to medical appointments or pick up prescriptions, a lot of people rely on him. It’s busy, but taking care of his family is his number one priority.
Having dependable medical coverage helps make those responsibilities a little easier. No-cost preventive care keeps his kids up to date on checkups and vaccinations. When someone wakes up with a sore throat or needs guidance fast, Cigna telehealth appointments help him get answers without rearranging his entire day. And when he needs help navigating care, like confirming an in‑network specialist for his mom, the Personal Benefits Concierge and Nurse Advocates Program help simplify the process.
When healthcare expenses pop up, using pre-tax dollars through a Health Savings Account (HSA) or Flexible Spending Account (FSA) also helps stretch the family budget. They help cover things like monthly medications and glucose monitors for his mom.
Caregiving can be emotionally challenging, too. Through HICV’s Employee Assistance Program (EAP), Juan has access to counseling and caregiver resources when he needs extra support. Sometimes just knowing those resources are there makes stressful moments feel more manageable.
Juan is also thinking about the future. By contributing to his 401(k) and taking advantage of HICV’s company match, he’s building a little more security for his family over time.
For Juan, benefits aren’t just coverage, they’re one more way he can take care of the people who count on him.
You’re covered if…
Juan lives in a high-risk area for hurricanes. In the event of a natural disaster, Juan may be eligible for the Heart Travels Relief Fund to help him and his family recover.
MEET ALYSSA
Life Stage: Growing Family
“I want to focus on my baby, not on surprise medical bills.”
Lately, Alyssa’s calendar has been filling up with prenatal appointments, baby prep, and all the little details that come with getting ready for her first child. It’s an exciting time—and a big life change. With so much to plan for, one thing she doesn’t want to stress about is unexpected medical bills.
Having medical coverage that supports routine prenatal care and newborn services helps Alyssa focus on her health and her growing family. She’s enrolled in Cigna’s Healthy Pregnancies, Healthy Babies program, which gives her access to maternity coaches and guidance throughout her pregnancy.
She also uses a Healthcare Flexible Spending Account (FSA) to set aside pre-tax dollars for eligible pregnancy-related expenses, like prenatal vitamins and other items recommended by her doctor. This helps her plan ahead financially and stay healthy.
The emotional side of becoming a parent matters, too. Through HICV’s Employee Assistance Program (EAP), Alyssa has access to behavioral health resources if she needs extra support during this time of change.
Since a hospital stay is part of the plan when the baby arrives, Alyssa is also considering hospital indemnity coverage to help with potential out-of-pocket costs.
While she’s focused on preparing for her baby now, Alyssa is also thinking about the future. Contributing to her 401(k) helps her start building financial security for her growing family.
You’re covered if…
The road to pregnancy wasn’t what Alyssa had pictured, but the support she received from her HICV benefits made it possible. The Family Assistant Grant gave Alyssa the financial security she needed for infertility treatments and the chance to grow her family.
MEET MARCUS
Life Stage: Mid-Career + College Planning
“College tuition is around the corner and retirement isn’t that far behind.”
These days, Marcus feels like he’s always planning ahead. With teenagers at home and college on the horizon, he’s balancing today’s expenses while thinking about what the next few years will bring.
Staying healthy is part of that plan. Medical coverage with no-cost preventive care helps Marcus keep up with routine checkups, and his Health Savings Account (HSA) gives him a way to set aside money for current healthcare costs while also saving for the future.
College planning is a big focus, too. Through HICV’s Employee Assistance Program (EAP), Marcus can access financial coaching to help him think through budgeting questions like in-state vs. out-of-state schools and understanding financial aid. Having someone to talk through those decisions with helps make them feel more manageable.
Marcus also contributes to his 401(k), making sure to take full advantage of HICV’s company match. Knowing his savings are growing over time helps him feel more prepared for what’s ahead.
Benefits are about balance, so Marcus can focus on supporting his family today while also staying ready for the future.
You’re covered if…
Visiting colleges with his teenage kids is an exciting time for Marcus and his family, but all these overnight trips can become pricey. Thankfully, Marcus has been taking full advantage of his travel perks with HICV and saving money on all his stays.
MEET DENISE
Life Stage: Preparing for Retirement
“I want to make sure I’m ready for the next chapter.”
With retirement starting to feel closer, Denise has been spending more time thinking about what the next chapter of life might look like. She’s excited about the possibilities, but she also wants to make sure she’s prepared.
Saving has become a big focus. Denise contributes to her 401(k) and takes advantage of catch-up contributions to help boost her progress as she gets closer to retirement. Seeing those savings grow helps her feel more confident about the years ahead. She also takes advantage of financial counseling through the Employee Assistance Program (EAP) to make sure her savings plan is staying on track.
Taking care of her health is just as important. Medical coverage that supports preventive care helps Denise stay proactive, and her Health Savings Account (HSA) gives her a tax-advantaged way to plan for healthcare costs in retirement.
She also appreciates having supplemental protection—making sure her financial plan doesn’t get derailed by unexpected medical expenses. Along with well-being programs that support healthy aging, these benefits give Denise peace of mind and allow her to feel comfortable thinking about the future.
You’re covered if…
Denise’s home is full of four-legged friends but taking care of two dogs and two cats can be expensive and time consuming! Thankfully, she has MetLife pet insurance through her HICV benefits to protect her fury loved ones and protect her financially.
MEET JORDAN
Life Stage: Early Career
“This is my first job with real benefits — I’m still figuring them out.”
Starting a first job with real benefits has been a learning experience for Jordan. Between figuring out health plans, managing student loans, and sticking to a budget, there’s a lot to take in, but it’s also an exciting step forward.
Jordan chooses medical coverage that fits their current needs, knowing preventive care is covered at no cost. A Health Savings Account (HSA), along with employer contributions, helps Jordan start building savings early for healthcare expenses down the road.
Through HICV’s Employee Assistance Program (EAP), Jordan also has access to counseling and life-skills resources to help manage stress, create a budget, explore student loan repayment strategies, and navigate the transition into working life.
Even though retirement feels far away, Jordan contributes to the 401(k) and takes advantage of HICV’s company match. Starting early feels like a smart way to build good financial habits.
At this stage, Jordan’s benefits provide a sense of stability that support their health, finances, and build confidence as the future begins to take shape.
You’re covered if…
Outside of work, Jordan loves to travel and explore the world and is excited to take advantage of HICV’s travel discounts and lifestyle perks!
Additional Benefits
Extra Support When Life Happens
Life doesn’t always follow a plan. When the unexpected happens, or when you’re planning for an important life milestone, having extra support can make a meaningful difference.
Through the Heart Travels Assistance Program, eligible team members may be able to access financial assistance when they need it most. The program includes two types of support designed to help during different moments in life.
The Heart Travels Relief Fund provides grants for team members experiencing financial hardship after a natural disaster or other unexpected emergency. This assistance can help cover immediate needs like temporary housing, essential supplies, or other urgent expenses while you focus on getting back on your feet. Team members can voluntarily contribute to the Relief Fund to help colleagues in need.
The program also includes a Family Assistance Grant, which helps support team members who are growing their families. Whether you’re adopting a child, working with a surrogate, or receiving infertility treatment, this grant can help offset some of the costs that come with expanding your family.
Because sometimes support means being there in difficult moments, and sometimes it means helping you take the next step in your life journey.
Coverage for Your Pets, Too
Some members of the family walk on four legs. And just like any other family member, their health and well-being matter.
That’s why HICV offers Pet Insurance through MetLife, helping make veterinary care more manageable when your pet needs it most. Coverage can help reimburse the cost of care for accidents or illnesses, including exams, surgeries, medications, diagnostic tests, and more.
You can also choose optional preventive care coverage, which helps with routine expenses like annual checkups, vaccinations, medications, and other services that keep your pet healthy year-round.
The plan is designed to be flexible and convenient. You can visit any licensed veterinarian in the U.S., and coverage even travels with you. Plus, with 24/7 Telehealth Concierge Services, you can get answers to those late-night questions when something just doesn’t seem right.
Claims are easy to manage through the MetLife Pet mobile app, where you can submit and track claims, manage your pet’s health information and find nearby pet services.
Because when your pet is part of the family, having support for their care matters too.
Still Need Help Choosing the Benefits That Fit Your Life?
Choosing your benefits is an important decision, and we’re glad you’re taking the time to think through what’s right for you and your family. Upwise is here to help walk you through these decisions.
You’ll start with a quick survey that explores your health, wellness, finances, and future plans. Then Upwise provides a personalized and comprehensive recommendation based on your goals and the various benefits we offer—helping you find the benefits that meet you where you are right now.
Questions?
Contact Team Member Connect with questions: TMConnect@holidayinnclub.com or (407) 395-6400
Federal law requires that Holiday Inn Club Vacations provide you with certain notices about your rights regarding healthcare plan eligibility, enrollment and coverage. Review these Legal Notices.
The information on this website is presented for illustrative purposes only. Refer to the plan document or certificate of coverage for complete details. The text contained on this site was taken from various plan documents and/or benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of a discrepancy between this site and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this site, contact Team Member Connect.
