{ "benefits": [ { "id": "BEN-MED-001", "type": "Medical", "category": "health", "planName": "Blue Cross Blue Shield PPO Gold", "carrier": "Blue Cross Blue Shield", "description": "Comprehensive medical coverage with nationwide network access. Includes preventive care, specialist visits, hospital stays, and prescription drug coverage.", "coverageLevel": "Employee + Spouse", "monthlyPremium": 425.00, "employeePremium": 180.00, "employerPremium": 245.00, "effectiveDate": "2024-01-01", "renewalDate": "2024-12-31", "status": "Active", "icon": "local_hospital", "iconColor": "bg-blue-600", "features": [ "In-network deductible: $1,000 individual / $2,000 family", "Out-of-network deductible: $2,000 individual / $4,000 family", "Office visit copay: $25", "Specialist copay: $50", "Emergency room: $250 copay", "Prescription drugs: $10/$30/$60 (Generic/Preferred/Non-preferred)", "Annual out-of-pocket max: $5,000 individual / $10,000 family" ], "documents": [ { "name": "Summary of Benefits", "type": "PDF", "size": "2.4 MB" }, { "name": "Provider Network Directory", "type": "PDF", "size": "5.1 MB" }, { "name": "Prescription Drug Formulary", "type": "PDF", "size": "1.8 MB" } ], "contactInfo": { "customerService": "1-800-262-2583", "website": "https://www.bcbs.com", "email": "support@bcbs.com" }, "enrolled": true, "enrollmentDate": "2024-01-01", "dependents": ["Sarah Johnson (Spouse)"] }, { "id": "BEN-DEN-001", "type": "Dental", "category": "health", "planName": "Delta Dental Enhanced Plan", "carrier": "Delta Dental", "description": "Comprehensive dental coverage including preventive, basic, and major services. 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Available in increments of annual salary.", "coverageLevel": "Not Enrolled", "coverageAmount": 0, "monthlyPremium": 0, "employeePremium": 0, "employerPremium": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "favorite_border", "iconColor": "bg-pink-600", "features": [ "Coverage available: 1x to 5x annual salary", "Maximum coverage: $500,000", "Minimum coverage: $10,000", "Guaranteed issue amount: 1x salary (no medical exam)", "Evidence of insurability required above guaranteed issue", "Age-banded rates based on coverage amount", "Portable coverage option available" ], "documents": [ { "name": "Supplemental Life Insurance Brochure", "type": "PDF", "size": "1.8 MB" }, { "name": "Rate Schedule", "type": "PDF", "size": "600 KB" } ], "contactInfo": { "customerService": "1-800-638-5433", "website": "https://www.metlife.com", "email": "service@metlife.com" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-DIS-001", "type": "Disability", "category": "insurance", "planName": "Long-Term Disability Insurance", "carrier": "Unum", "description": "Income protection in the event of a long-term disability. 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Provides 66.67% of your salary during recovery.", "coverageLevel": "Not Enrolled", "coverageAmount": 0, "monthlyPremium": 0, "employeePremium": 0, "employerPremium": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "medical_services", "iconColor": "bg-teal-600", "features": [ "Benefit amount: 66.67% of weekly earnings", "Maximum weekly benefit: $1,500", "Elimination period: 7 days for illness, 0 days for accident", "Benefit period: Up to 26 weeks", "Pre-existing condition limitation: 3/12 months", "Maternity coverage included", "Partial disability benefits available" ], "documents": [ { "name": "STD Plan Summary", "type": "PDF", "size": "1.1 MB" }, { "name": "Enrollment Form", "type": "PDF", "size": "450 KB" } ], "contactInfo": { "customerService": "1-800-858-6843", "website": "https://www.unum.com", "email": "customerservice@unum.com" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-FSA-001", "type": "FSA", "category": "financial", "planName": "Healthcare Flexible Spending Account", "carrier": "HealthEquity", "description": "Pre-tax savings account for eligible healthcare expenses. Save up to 30% on out-of-pocket medical, dental, and vision costs.", "coverageLevel": "Employee Only", "annualElection": 2850, "currentBalance": 1425.50, "remainingBalance": 1424.50, "monthlyContribution": 237.50, "effectiveDate": "2024-01-01", "renewalDate": "2024-12-31", "status": "Active", "icon": "account_balance_wallet", "iconColor": "bg-emerald-600", "features": [ "2024 contribution limit: $3,200", "Current annual election: $2,850", "Eligible expenses: Medical, dental, vision, prescriptions", "Debit card provided for easy access", "Grace period: 2.5 months after plan year end", "Carryover option: Up to $640 to next plan year", "Online claim submission and mobile app available" ], "documents": [ { "name": "FSA Plan Summary", "type": "PDF", "size": "900 KB" }, { "name": "Eligible Expenses Guide", "type": "PDF", "size": "1.3 MB" } ], "contactInfo": { "customerService": "1-866-346-5800", "website": "https://www.healthequity.com", "email": "support@healthequity.com" }, "enrolled": true, "enrollmentDate": "2024-01-01", "dependents": [] }, { "id": "BEN-HSA-001", "type": "HSA", "category": "financial", "planName": "Health Savings Account", "carrier": "HealthEquity", "description": "Tax-advantaged savings account paired with high-deductible health plan. Triple tax benefit: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses.", "coverageLevel": "Not Enrolled", "annualElection": 0, "currentBalance": 0, "remainingBalance": 0, "monthlyContribution": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "savings", "iconColor": "bg-cyan-600", "features": [ "2024 contribution limit: $4,150 individual / $8,300 family", "Employer contribution: $500 annually (if enrolled in HDHP)", "Triple tax advantage: deductible, grows tax-free, tax-free withdrawals", "Funds roll over year to year - no use-it-or-lose-it", "Investment options available for balances over $1,000", "Debit card and online access provided", "Can be used in retirement for any expense (taxed if non-medical)" ], "documents": [ { "name": "HSA Plan Guide", "type": "PDF", "size": "1.5 MB" }, { "name": "Investment Options", "type": "PDF", "size": "2.0 MB" } ], "contactInfo": { "customerService": "1-866-346-5800", "website": "https://www.healthequity.com", "email": "support@healthequity.com" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-401K-001", "type": "401k", "category": "retirement", "planName": "401(k) Retirement Savings Plan", "carrier": "Fidelity Investments", "description": "Tax-advantaged retirement savings plan with employer matching. Build your retirement savings with pre-tax contributions and employer match.", "coverageLevel": "Employee Only", "contributionRate": 6, "employerMatch": 3, "currentBalance": 45200.00, "monthlyContribution": 475.00, "employerContribution": 237.50, "effectiveDate": "2022-04-01", "renewalDate": "2024-12-31", "status": "Active", "icon": "trending_up", "iconColor": "bg-indigo-600", "features": [ "2024 contribution limit: $23,000 (under age 50)", "Employer match: 50% of first 6% contributed", "Vesting schedule: Immediate vesting on employee contributions", "Employer match vesting: 3-year cliff vesting", "Roth 401(k) option available", "Investment options: 20+ mutual funds across asset classes", "Loan provisions available", "Rollover accepted from previous employer plans" ], "documents": [ { "name": "401(k) Summary Plan Description", "type": "PDF", "size": "3.2 MB" }, { "name": "Investment Fund Guide", "type": "PDF", "size": "4.5 MB" }, { "name": "Quarterly Statement", "type": "PDF", "size": "1.8 MB" } ], "contactInfo": { "customerService": "1-800-343-3548", "website": "https://www.401k.com", "email": "401k@fidelity.com" }, "enrolled": true, "enrollmentDate": "2022-04-01", "dependents": [] }, { "id": "BEN-EAP-001", "type": "EAP", "category": "wellness", "planName": "Employee Assistance Program", "carrier": "ComPsych", "description": "Confidential counseling and support services for personal and work-related issues. Available 24/7 to you and your household members at no cost.", "coverageLevel": "Employee + Family", "monthlyPremium": 0, "employeePremium": 0.00, "employerPremium": 15.00, "effectiveDate": "2024-01-01", "renewalDate": "2024-12-31", "status": "Active", "icon": "psychology", "iconColor": "bg-violet-600", "features": [ "Confidential counseling: Up to 5 sessions per issue per year", "24/7 access to counselors via phone", "Work-life services: Legal, financial, childcare, eldercare assistance", "Online resources and self-help tools", "Manager consultation services", "Crisis intervention available", "No cost to employees or family members", "Strictly confidential - employer does not receive usage information" ], "documents": [ { "name": "EAP Services Guide", "type": "PDF", "size": "1.1 MB" }, { "name": "Resource Directory", "type": "PDF", "size": "800 KB" } ], "contactInfo": { "customerService": "1-800-272-7255", "website": "https://www.guidanceresources.com", "email": "eap@compsych.com" }, "enrolled": true, "enrollmentDate": "2024-01-01", "dependents": ["All household members"] }, { "id": "BEN-CRT-001", "type": "Critical Illness", "category": "insurance", "planName": "Voluntary Critical Illness Insurance", "carrier": "Aflac", "description": "Provides lump-sum cash benefit upon diagnosis of covered critical illness including cancer, heart attack, stroke, and more.", "coverageLevel": "Not Enrolled", "coverageAmount": 0, "monthlyPremium": 0, "employeePremium": 0, "employerPremium": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "healing", "iconColor": "bg-rose-600", "features": [ "Coverage amounts: $10,000 to $50,000 in $5,000 increments", "Covered conditions: Cancer, heart attack, stroke, kidney failure, major organ transplant", "Lump-sum cash payment upon diagnosis", "Use benefit for any purpose: medical bills, mortgage, daily expenses", "Spouse coverage: 50% of employee benefit", "Child coverage: 50% of employee benefit (up to $10,000)", "Health screening benefit: $50 annually", "Guaranteed renewable" ], "documents": [ { "name": "Critical Illness Brochure", "type": "PDF", "size": "1.6 MB" }, { "name": "Coverage Details", "type": "PDF", "size": "900 KB" } ], "contactInfo": { "customerService": "1-800-992-3522", "website": "https://www.aflac.com", "email": "service@aflac.com" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-ACC-001", "type": "Accident Insurance", "category": "insurance", "planName": "Voluntary Accident Insurance", "carrier": "Aflac", "description": "Supplemental coverage that pays cash benefits for injuries resulting from covered accidents. Helps with out-of-pocket costs.", "coverageLevel": "Not Enrolled", "coverageAmount": 0, "monthlyPremium": 0, "employeePremium": 0, "employerPremium": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "local_hospital", "iconColor": "bg-amber-600", "features": [ "Covers accidents on and off the job", "Benefits paid directly to you, regardless of other insurance", "Coverage for: Emergency treatment, hospital admission, surgery, fractures", "Transportation and lodging benefits included", "Family coverage available", "No network restrictions - choose any provider", "Guaranteed renewable", "Wellness benefit: $50 annually for health screening" ], "documents": [ { "name": "Accident Insurance Overview", "type": "PDF", "size": "1.4 MB" }, { "name": "Benefit Schedule", "type": "PDF", "size": "700 KB" } ], "contactInfo": { "customerService": "1-800-992-3522", "website": "https://www.aflac.com", "email": "service@aflac.com" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-HOS-001", "type": "Hospital Indemnity", "category": "insurance", "planName": "Hospital Indemnity Insurance", "carrier": "Aflac", "description": "Provides cash benefits for hospital stays, regardless of other insurance. Helps cover out-of-pocket expenses during hospitalization.", "coverageLevel": "Not Enrolled", "coverageAmount": 0, "monthlyPremium": 0, "employeePremium": 0, "employerPremium": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "domain", "iconColor": "bg-sky-600", "features": [ "Hospital admission benefit: $1,000 per admission", "Daily hospital confinement: $200 per day (up to 31 days)", "ICU confinement: $400 per day", "Ambulance benefit: $400", "Outpatient surgery: $200", "Physician visits: $100", "Benefits paid regardless of other insurance", "No network restrictions", "Wellness benefit included" ], "documents": [ { "name": "Hospital Indemnity Brochure", "type": "PDF", "size": "1.3 MB" }, { "name": "Benefit Amounts", "type": "PDF", "size": "600 KB" } ], "contactInfo": { "customerService": "1-800-992-3522", "website": "https://www.aflac.com", "email": "service@aflac.com" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-COM-001", "type": "Commuter Benefits", "category": "financial", "planName": "Commuter Benefits Program", "carrier": "WageWorks", "description": "Pre-tax payroll deductions for transit and parking expenses. Save up to 40% on commuting costs.", "coverageLevel": "Not Enrolled", "monthlyElection": 0, "monthlyPremium": 0, "employeePremium": 0, "employerPremium": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "commute", "iconColor": "bg-lime-600", "features": [ "2024 monthly pre-tax limit: $315 for transit, $315 for parking", "Order transit passes and parking through online portal", "Change elections monthly", "Commuter card provided for easy use", "Covers: Public transit (bus, train, subway, ferry), parking at work/transit", "Tax savings: Up to 40% depending on tax bracket", "Easy enrollment and management online" ], "documents": [ { "name": "Commuter Benefits Guide", "type": "PDF", "size": "1.0 MB" }, { "name": "Eligible Expenses", "type": "PDF", "size": "500 KB" } ], "contactInfo": { "customerService": "1-877-924-3967", "website": "https://www.wageworks.com", "email": "commuter@wageworks.com" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-MED-002", "type": "Medical", "category": "health", "planName": "Kaiser Permanente HMO Silver", "carrier": "Kaiser Permanente", "description": "Integrated healthcare with Kaiser's network of doctors and facilities. All-in-one care with minimal paperwork and coordinated services.", "coverageLevel": "Not Enrolled", "monthlyPremium": 0, "employeePremium": 0, "employerPremium": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "local_hospital", "iconColor": "bg-blue-500", "features": [ "In-network deductible: $500 individual / $1,000 family", "Office visit copay: $20", "Specialist copay: $40", "Emergency room: $150 copay", "Prescription drugs: $5/$15/$40 (Generic/Preferred/Non-preferred)", "Annual out-of-pocket max: $4,000 individual / $8,000 family", "Integrated care model - seamless coordination" ], "documents": [ { "name": "Evidence of Coverage", "type": "PDF", "size": "3.1 MB" }, { "name": "Kaiser Facilities Directory", "type": "PDF", "size": "2.8 MB" } ], "contactInfo": { "customerService": "1-800-464-4000", "website": "https://www.kp.org", "email": "member.services@kp.org" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-MED-003", "type": "Medical", "category": "health", "planName": "Aetna High Deductible Health Plan", "carrier": "Aetna", "description": "High-deductible health plan (HDHP) HSA-compatible. Lower premiums with higher deductible, perfect for those who want to maximize HSA savings.", "coverageLevel": "Not Enrolled", "monthlyPremium": 0, "employeePremium": 0, "employerPremium": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "local_hospital", "iconColor": "bg-blue-400", "features": [ "HSA-eligible plan", "In-network deductible: $1,500 individual / $3,000 family", "100% coverage after deductible for preventive care", "Office visits subject to deductible, then 10% coinsurance", "Emergency room: 10% coinsurance after deductible", "Prescription drugs: 10% coinsurance after deductible", "Annual out-of-pocket max: $3,000 individual / $6,000 family", "Employer HSA contribution: $500 annually" ], "documents": [ { "name": "HDHP Summary of Benefits", "type": "PDF", "size": "1.9 MB" }, { "name": "HSA Compatibility Guide", "type": "PDF", "size": "800 KB" } ], "contactInfo": { "customerService": "1-800-872-3862", "website": "https://www.aetna.com", "email": "member.services@aetna.com" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-MED-004", "type": "Medical", "category": "health", "planName": "UnitedHealthcare Choice Plus EPO", "carrier": "UnitedHealthcare", "description": "Exclusive Provider Organization plan with robust network. No referrals needed for specialists, in-network only coverage.", "coverageLevel": "Not Enrolled", "monthlyPremium": 0, "employeePremium": 0, "employerPremium": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "local_hospital", "iconColor": "bg-blue-700", "features": [ "In-network deductible: $750 individual / $1,500 family", "Office visit copay: $30", "Specialist copay: $60", "No referrals required for specialists", "Emergency room: $200 copay", "Prescription drugs: $10/$25/$50 (Generic/Preferred/Non-preferred)", "Annual out-of-pocket max: $4,500 individual / $9,000 family", "Out-of-network coverage: Emergency only" ], "documents": [ { "name": "Plan Benefits Summary", "type": "PDF", "size": "2.3 MB" }, { "name": "EPO Provider Network", "type": "PDF", "size": "4.2 MB" } ], "contactInfo": { "customerService": "1-800-328-5979", "website": "https://www.uhc.com", "email": "memberservices@uhc.com" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-DEN-002", "type": "Dental", "category": "health", "planName": "Cigna Dental Basic Plan", "carrier": "Cigna Dental", "description": "Affordable dental coverage for preventive and basic services. Ideal for routine dental care needs.", "coverageLevel": "Not Enrolled", "monthlyPremium": 0, "employeePremium": 0, "employerPremium": 0, "effectiveDate": null, "renewalDate": null, "status": "Available", "icon": "emoji_emotions", "iconColor": "bg-green-500", "features": [ "Preventive care: 100% covered (cleanings, exams)", "Basic services: 70% covered after deductible", "Major services: Not covered", "Annual deductible: $25 individual / $75 family", "Annual maximum benefit: $1,000 per person", "Large nationwide network", "No waiting period for preventive care" ], "documents": [ { "name": "Dental Basic Plan Guide", "type": "PDF", "size": "950 KB" }, { "name": "Dentist Network Directory", "type": "PDF", "size": "2.8 MB" } ], "contactInfo": { "customerService": "1-800-244-6224", "website": "https://www.cigna.com", "email": "dental@cigna.com" }, "enrolled": false, "enrollmentDate": null, "dependents": [] }, { "id": "BEN-DEN-003", "type": "Dental", "category": "health", "planName": "Guardian Dental Premier Plan", "carrier": "Guardian", "description": "Premium dental coverage with low out-of-pocket costs. 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