Bring your whole self.

Benefits Overview

Welcome!

Welcome to the Neighborly benefits website! This site will be available to you all year, so visit whenever you or your family members need additional information. Use the navigation bar at the top of the page to learn more about each category of benefits.

Eligibility - Neighborly proudly offers a comprehensive and competitive benefits package to all full-time associates working 30+ hours per week, which allows you the opportunity to design your own benefits program according to your specific needs. If you're newly eligible for benefits, you must enroll within 30 days of your full-time effective date in order to have benefits for the year. 

Certain exceptions/conditions may apply to specific plans.

Enrollment - Review this website as well as the Total Rewards Guide, linked below, to find information on your benefit offerings. You will complete your benefit event enrollment within Workday. 

Questions?
Please reach out to People.Services@nbly.com if assistance is needed.

The content is intended to be informational only and should not be relied upon as a source of financial advice. If there is a discrepancy between this website and the Plan Documents, the Plan Documents will prevail. You can find Plan Documents in the Library. Contact People.Services@nbly.com if you need a hard copy of any material (including Plan Documents) on this website.

Total Rewards Guides

New Hire Brochures

The Dwyer Group Canada Inc

Neighbourly Canada

 Benefits Overview 

MEDICAL & RX

Medical and Prescription Drug Coverage

Neighborly offers two medical plans and prescription drug coverage through Blue Cross Blue Shield and Express Scripts (ESI). You have a choice between a High Deductible Health (HDHP) Plan and a Preferred Provider Organization (PPO) plan. With both plans, you will always pay less if you use a BCBSTX in-network provider or facility. Neighborly utilizes the BlueChoicePPO network. Plan rates are available in the Total Rewards Guide.

To support the overall health and wellness of our Associates by discouraging the use of tobacco products, if you are covered under a Neighborly medical plan and are currently using tobacco when you enroll, you will pay $40 per month more for medical coverage. If you engage with resources available on Smokefree.gov and submit proof (i.e. screen capture) to people.services@nbly.com by the 15th of any month, the reduction in monthly medical premium will be applied on the first payroll of the following month.

HDHP with HSA

PPO

RXBenefits (Express Scripts) Member Services

RXBenefits Member Services: Get access to RxBenefits Member Services representatives who can help you, your physician, and your pharmacy with questions about your network, prescriptions coverage, mail order medications, prior authorization, and more. 

Contact RXBenefits Member Services Team at 1-800-334-8134 (M-F 7am-8pm CT) with questions or email RXHelp@rxbenefits.com.

Preventative Care

The best way to lead a healthy & happy lifestyle is to ward off diseases before they exist! 

Preventive care is a critical component of maintaining health.  Annual checkups and exams are advantageous in promoting health and wellness. 

Preventive care services refer to checkups, health screenings, vaccines, and patient counseling that can help prevent illness, disease, and other health-related issues.

Recommendations can vary depending on the individual’s health status and risk factors. Talk to your doctor about a screening schedule that’s right for you!

If enrolled in a company medical plan, there is no charge for your annual Preventive Care visit. Contact BCBSTX directly at 1-800-521-2227 with questions regarding specific covered services. 

HealthJoy

HealthJoy is a mobile app that offers you healthcare guidance and support at your fingertips. This app will help you save time and money, and make the most of your Neighborly benefits. Associates enrolled in a Neighborly medical plan, and their family members, will have access to this app at NO COST!

HealthJoy helps you centralize all your benefits and save on healthcare in one easy-to-use app. As soon as you download and create your profile, you’ll see all your benefits displayed in HealthJoy’s benefits wallet. In the app you'll also find:

• 24/7 virtual consults with a medical professional who can diagnose and even write Rx’s

• Expert personal healthcare concierge to help with employee benefits or healthcare questions

• Virtual provider search and appointment booking

• Medical bill review

• Prescription savings

• And much more

GeoBlue Global

Geo-Blue Global is for associates traveling to another country for business purposes through Nbly and BlueCard World is for all associates that are on our Medical Plan.

The Geo-Blue Global Traveler plan provides accidental injury and illness coverage for you and your traveling spouse and unmarried, dependent children accompanying you, while on a business trip or business sojourn (leisure trip directly connected before, after or during a business trip) when outside your home country for up to 180 consecutive days. Coverage is available to all company employees who are traveling on company business and the plan is intended for emergency use.

BlueCard Worldwide is available to any member covered under the Neighborly Medical plans with BlueCross BlueShield of Texas who is traveling outside the United States. Coverage is also intended for emergency use and requires the member to pay the cost of services up front and file a claim for reimbursement.

Benefits Overview 

DENTAL & VISION

Dental Insurance

Dental health is important to your overall health. Neighborly offers a comprehensive dental plan through MetLife, which offers you an extensive network of dental providers. Remember, using an in-network PPO dentist can save you money. If you use an out-of-network dentist, you can be balanced billed by your provider.

Find a dentist, review your benefits, download or print your ID card and much more at www.metlife.com.

Vision Insurance

Our vision coverage is administered by MetLife. You can choose coverage for yourself as well as eligible dependents. You may go to any eye doctor you prefer, but you will save money when you use a participating MetLife provider.

To locate a participating provider, contact MetLife.

Need help registering for benefits?

Click the video below for a step-by-step guide on registering for MyBenefits.

Benefits Overview 

SPENDING ACCOUNTS

Health Savings Account

If you participate in the BCBS High Deductible Health Plan (HDHP), you can use a Health Savings Account (HSA), administered by Optum Bank, to help pay for qualified medical, dental, and vision expenses on a pre-tax basis.

Eligibility - To be eligible for an HSA, in addition to being enrolled in a HDHP, you also must not:

• Be covered by another health care plan, such as a health plan sponsored by your spouse’s employer, a general-purpose Flexible Spending Account, Medicare parts A, B, or D

• Have received VA benefits within the last three months or be enrolled in Tricare

• Be claimed as a dependent on another individual’s federal tax return

Advantages - An HSA is one of the best ways to save for future health care expenses. Money goes in tax-free, grows tax-free, and comes out tax-free. If you participate in a HDHP and enroll in an HSA, Neighborly will deposit money in your HSA ($1,000 yearly/$38.46 biweekly for Associate-only coverage, $2,000 yearly/$76.92 biweekly for Family coverage). Employer funding will be prorated and added to eligible accounts on biweekly schedule. You can also contribute pre-tax dollars to your HSA. You decide when to spend this money on eligible health care expenses, and it’s always yours — even if you leave the company. 

How to Use the HSA - You can use your debit card provided by Optum Bank to pay for eligible health care expenses. You can also use online bill pay to pay a doctor or hospital bill or to reimburse yourself for an eligible health care expense that you pay for out of your pocket.

You can access your HSA by calling 800-243-5543 or by logging onto www.optumbank.com.

Dependent Care Flexible Spending Account
(DCFSA)

Dependent Care FSAs can be used to pay for expenses associated with caring for your dependents while you’re at work, like daycare centers, babysitters, summer day camp, and eldercare.

You can make pre-tax contributions of up to $5,000 per household. All funds must be submitted for reimbursement for the year in which they are contributed; funds do not rollover.

You may contact Discovery Benefits at 866-451-3399 or at http://www.discoverybenefits.com

How it Works:
The money you set aside is excluded from your gross income. That means it is not subject to Federal Income Tax, Social Security, Medicare, and in most cases, state and local taxes.  This lowers your taxable income and increases your spendable income.  Depending on your tax situation, you could save 20-40% on expenses you would be paying anyway.

Benefits Overview 

LIFE, ANCILLARY & DISABILITY 

Basic Life and AD&D Insurance

Life Insurance is often one of the cornerstones of financial planning. Should the unexpected happen, life insurance can help safeguard your family needs. Neighborly-paid basic life insurance and accidental death & dismemberment (AD&D) insurance is a combined benefit available at no cost for Associates. The coverage amount is equal to 1x benefits annual rate (commission) or total base pay offered at $25,000 to max of $300,000. Coverage reductions begin at age 70.

Supplemental Life and Optional AD&D 

Sometimes you need additional protection to accomplish your financial goals. Neighborly is pleased to offer additional Supplemental Associate Life Insurance and Optional AD&D Insurance. These are voluntary programs:

• Supplemental Associate Life Insurance: You can elect additional coverage for yourself in increments of 1, 2, 3, or 4 times your annual salary.

• Optional Spouse and Child Life Insurance: You may elect coverage for your spouse of $10,000, $25,000, $50,000, or $100,000. For each dependent child, you may elect coverage of  $5,000 or $10,000 (Children under 14 days old may be covered for $500.)

• Optional AD&D Insurance: If you elect Supplemental Associate Life Insurance, you also may elect an equal amount of AD&D insurance. This coverage provides additional benefits when there is an accidental death, dismemberment, or loss of major function.

Disability Insurance

Disability insurance provides income protection in the event of a disability. Neighborly offers company paid Short-Term Disability (STD) to all Associates, and you have the option to enroll in Voluntary Long-Term Disability (LTD) through MetLife as well.

Short-Term Disability Highlights:

• The STD Plan benefits begin after day 0 of accident or day 7 of illness.

• The plan benefit is up to 60% of weekly earnings up to a maximum of $1,250 per week.

• Maternity disability is paid at 100% (proper medical documentation will be required for any pre-partum disability pay)

• Maximum length of benefits is 12 weeks

• MetLife is the claims administrator  

Voluntary Long-Term Disability Highlights:

• If you choose to enroll, you pay the cost of this coverage with after-tax dollars

• Any benefits you receive are not taxed as income

• This benefit continues to provide 60% of monthly earnings (up to a monthly maximum of $8,000) for the remainder of your disability, up to 24 months or longer with approval from carrier once the STD benefit has been exhausted

• Evidence of Insurability is required for coverage elections made outside of initial eligibility period

Accident Insurance

You can’t always avoid accidents ─ but you can protect yourself from accident-related costs that can strain your budget. Accident insurance pays a benefit directly to you if you have a covered non-work place injury and need treatment.

You can get coverage for your spouse and dependents, too. As medical costs continue to rise, accident insurance may provide a necessary layer of financial protection. The plan also has an annual cash benefit when you complete a covered wellness screening.

Critical Illness Insurance

You can choose a lump sum benefit of up to $20,000 in increments of $5,000. Spouses can choose a lump sum benefit of up to $10,000 in increments of $2,500. Spouse and child coverage cannot exceed 50% of your coverage.

Benefits Overview 

FINANCIAL WELLBEING & PERKS

Empower Retirement - 401(k) Plan

Our 401(k) plan is an important part of your overall benefits package – and a key factor to successful retirement planning. The 401(k) plan allows you to:

• Save money for retirement using pre-tax deductions and/or after-tax Roth deductions from your paycheck

• Choose from a variety of investment options

• Neighborly matches 50% on the dollar of your contributions up to a maximum match of 3% of your total gross compensation per year.

• Make changes to your contribution or investment allocation at any time

• You are eligible to start contributions into the Neighborly® 401(k) plan when you reach 60 days of employment. You can register your online account with Empower after your first paycheck with Neighborly.

For additional plan information or login assistance, visit www.empowermyretirement.com. To speak with a representative regarding your account, call Empower at 1-855-756-4738. The Empower Contact Center is available Monday - Friday 7a.m. - 9 p.m. Central time, and Saturdays 8 a.m. - 4:30 p.m. Central time.

Disciplined Investors

Looking for guidance on investments, finances, or retirement planning? As a participant in the Neighborly 401(k) plan, you have access to personalized support from our 401(k) fiduciary—completely free of charge. Disciplined Investors are available to meet at your convenience to help you make informed financial decisions.

To schedule a one-on-one session, contact:

• Russell Livesay – rl@dinvestors.com | 254-755-8622
• Sabrina Moore – sabrina@dinvestors.com | 254-754-9102

Associate Equity Program (AEP)

At Neighborly, every associate makes a difference, and the Associate Equity
Program (AEP) was created to acknowledge that we are all owners!

The AEP gives our associates the opportunity to receive a substantial payment at the next Neighborly sale transaction as we continue to grow our future together! 

For more information, view the AEP FAQs outlined below. 

Your Money Line

Neighborly is excited to offer Your Money Line as your go-to financial problem solver. From big challenges to small questions Your Money Line is here to help.

This free benefit offers tailored access to a variety of resources such as:

• Online tools to track your budget, debt, and more.
• Helpful content on common money challenges.
• Unlimited, free 1:1 sessions with certified financial coaches.

Access Perks

Save up to 50% with your Associate discount at restaurants, retailers, hotels, grocery stores, and more – nationwide!

Register with Access Perks:

• Log in at http://neighborly.accessperks.com
• Simply click “Sign In”
• Enter your company email address
• Get your Access Perks mobile app
• Start saving at thousands of participating providers

Spot Pet Insurance

Get reimbursed on eligible vet bills for accidents, illnesses, and more. It is EASY!

How Spot Pet Insurance Works

·       Visit any licensed vet or specialist in US/Canada

·       Submit your claim online

·       Get reimbursed fast & easily for eligible expenses

To get a personal pet quote, use link below:

Neighbors Helping Neighbors

Neighbors Helping Neighbors is a program that allows Associates to voluntarily contribute to a fund that provides financial assistance to fellow Neighborly Associates who directly experience an unplanned hardship due to catastrophic circumstances.

Grants for qualifying hardship events are awarded by a grant committee comprised of Associates within various positions and departments across our organization.

How to Donate: Associates may donate through the “Change Benefits” task in Workday by clicking “Change Neighbors Helping Neighbors Contribution” and completing the task. Simply enter the bi-weekly amount you would like to contribute from your paycheck to this cause and submit!

How to Apply: Associates experiencing an unplanned hardship may request assistance by completing the Neighbors Helping Neighbors Application. Submit supporting documentation for consideration to HelpingNeighbors@nbly.com

Benefits Overview 

WELLNESS AND RECOGNITION

Employee Assistance Program (EAP)

The Employee Assistance Program (EAP) provides quick and easy access to confidential counseling and referral services to help you deal with daily work and life challenges. It’s available at no cost to you, your dependents or household members. Neighborly's program covers five face-to-face counseling sessions per issue.

In addition to counseling sessions, the plan also provides referral services and resources to assist with parenting, education, adoption, pet care, elder care, and more. Call 1-888-319-7819 or visit one.telushealth.com for more information.

To Log In:
Username: metlifeeap  | Password: eap

Paid Time Off

Neighborly encourages a healthy work/life balance for Associates and recognizes the need for occasional time away from work for a variety of reasons.

Paid Time Off refers to a category of hours that can be used for either vacation or sick purposes such as travel, personal matters, illness, or injury for self or a family member, inclement weather, and religious observance.

Review the following document to learn more about the PTO policy for your role.

Well onTarget

Maintaining a healthy lifestyle is not easy, and Well onTarget is here to help! Through this program, Associates enrolled in a BCBS medical plan can have unlimited access to a wide network of fitness locations for a low cost. Additionally, the Blue Points rewards program can help you stay on track to reach your wellness goals.

To access the Fitness Discounts, log in or register for your BCBS account. Once logged in, go to the MyHealth tab, select Wellness, then scroll to the bottom of the page to find the Fitness Program section and click Learn More. From there, you can enter your location to view participating gyms in your area.

Neighborly Recognition Program

Bravo is a social media style platform which allows Associates to actively recognize others on a job well done. Associates have the ability to earn award points through recognition which can be cashed in from a catalog featuring hundreds of name brand products.

If you're not connected to Neighborly network, enter:

• Username: @dwyergroup.com email
• Password: Neighborly network password

Benefits Overview 

LEAVE OF ABSENCE

Leave of Absence

A leave of absence is an unpaid, approved absence from work for a specific period for medical, legal, military, or personal reasons.  The leave of absence process should be initiated for any absence expected to last more than 3 days due to, but not limited to, the following:

Federal and state leave eligibility and entitlement differ depending on type of leave requested.  All Associates, regardless of length of service or number of hours worked, are eligible to apply for:

All regular, full-time Associates, with at least 1 year of continual employment with the company, are eligible to apply for:

Other than in the case of a medical emergency, an Associate is required to request leave at least 30 days in advance of the first day of requested leave.  If an Associate becomes aware of the need for medical leave less than 30 days in advance, he or she must request leave on the next business day.

How to Initiate a Leave of Absence

Leaves of Absence are requested by completing the Leave of Absence Request Form. Once the leave request has been submitted, a leave case manager will reach out within 5 business days to explain next steps.

Parental Leave Programs

Most Common Leave Types

Personal: All regular, full-time associates, with at least 1 year of continual employment with the company, are eligible to apply for a Personal Leave.

Maximum Duration: 30 days

Family and Medical Leave Act (FMLA): Associates who have worked 1,250 hours during the 12 months prior to the start of leave; and have worked for the company for 12 months (12 months of employment are not required to be consecutive), are eligible.

Maximum Duration: 12 weeks

Non-FMLA Medical: Medical/Disability leave may be granted if you are unable to work due to illness, injury or a disabling medical condition and you do not qualify for a Family and Medical (FMLA) leave.

Maximum Duration: 12 weeks

Military: Uniformed Services Employment and Reemployment Rights Act (USERRA) guarantees the rights of military service members to take a leave of absence from their civilian jobs for active military service and to return to their jobs with accrued seniority and other employment protections.

Maximum Duration: 5 years

Workers Comp: A workers comp leave may be granted if you are placed out of work due to a work-related injury.

Maximum Duration: variable

ADA: Company will reasonably accommodate qualified individuals (candidates and employees) with disabilities so that they can perform the essential functions of a job, unless the requested accommodations result in the following:

A direct threat to the safety or well-being of the individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation; or An undue hardship to the Company. Individuals who are currently using illegal drugs are excluded from coverage under the company ADA policy.

Maximum: variable

Benefits Overview 

RESOURCES

Important Notices

Below are important notices that may affect you.

Annual Required Notices

Medicare Part D Creditable Coverage Notice - NBLY

Medicare Part D Creditable Coverage Notice - PG

Medicare Part D Creditable Coverage Notice - LO

CHIP Notice

Surprise Billing Notice

NY DBL Poster

NY DBL Statement of Rights

NY PFL Poster

NY PFL Statement of Rights

Summary Annual Report - Dwyer Group Companies Inc

Transparency in Coverage

Blue Cross and Blue Shield of Texas creates and publishes the machine-readable files for this requirement on behalf of Neighborly.

Machine Readable Files

Helpful Documents

Below are a few different documents that may assist you with common questions you may have.

Access your BCBS of TX App

Find a Provider

Blue Access for Members

Understanding your Explanation of Benefits (EOB)