1. GENERAL

When can I make changes to my benefits?

The only time you can make changes to your benefits is during your initial New Hire Enrollment, our annual Open Enrollment, or if you experience a Qualifying Life Event (QLE). See below for more details on QLE’s.

What is a Qualifying Life Event (QLE) and what should I do if one happens?

A Qualifying Life Event (QLE) is a significant life change, such as marriage, divorce, birth, loss of coverage, that can make you eligible for a special enrollment period, allowing you to make changes to your insurance coverage outside the yearly Open Enrollment period. Typically, you have 31 days from the date the event occurred to request a change to your policy.

Examples of Qualifying Life Events include:

• Gain or loss of other insurance coverage
• Marriage or divorce
• Having a baby, adopting a child, or new legal guardianship
• Death of a covered dependent
• COBRA, Medicare, or Medicaid eligibility

If one of those events occurs, what should I do to make changes to my insurance?

• Notify the HR Team within 31 days of the life event
• Documentation/proof of the event is required, and documentation may vary based on the type of life event that occurred
• Coverage changes will take effect as of the date of the event, to prevent a lapse in coverage

Who is considered an eligible dependent that I can add to my insurance?

You can enroll the following dependents in your insurance:

1. 01Lawful spouse (domestic partners are not eligible for coverage)
2. 02Dependent children under age 26 (biological, stepchildren, legally adopted, or legal guardianship)
3. 03Disabled children over age 26, provided the disability occurred before age 26

You will be required to provide documentation that shows the enrolled dependent is considered a legal dependent. The HR Team will reach out to you and inform you what required documentation is needed based on the type of dependent you add.

2. Medical, Dental, and Vision Insurance

Who is our Medical and Dental insurance provider?

Our medical and dental insurance provider is Cigna.

What medical plans are available?

IPS offers two medical plans through Cigna to suit your healthcare needs:

• Consumer Driven Plan (CDP)
• Copay Plan

Each plan includes full coverage for preventive care (like annual exams and screenings) at 100%, but there are differences in how you pay for other services. To compare the plans in detail, please refer to the Summary of Benefits and Coverage (SBC) available under the Benefits Resources tab.

What do the medical plans cover?

Both plans offer comprehensive coverage for:

• Preventive care services (at no cost to you!)
• Doctor visits
• Hospital services
• Emergency care
• Prescription drugs

To see what’s included and how the plans differ, check the plan comparison chart or the Summary of Benefits and Coverages (SBC) under the Benefit Resources tab.

Where can I see which prescription drugs are covered?

Prescription drug coverage is provided through Express Scripts as part of your Cigna medical plan.

• Log in to your myCigna account at www.myCigna.com

• View covered medications
• Compare prices based on your plan
• Find nearby pharmacies
• Set up mail-order prescriptions (if eligible)

• Call Cigna at 800-244-6224 to speak with a representative.

How do I find an in-network doctor or dentist?

To find an in-network provider for medical or dental care:

1. 01Visit Cigna’s website: www.myCigna.com

• Select Find Care & Costs
• Enter your address or zip code
• Search by doctor type of provider name

1. 01Or Call Cigna at: 800-244-6224

Will I get an ID card for medical or dental insurance?

No – Cigna does not mail home physical ID cards by default. Instead, you can access your digital ID card online at www.myCigna.com or through the myCigna mobile app.

To access your digital ID card on the web, you will:

• Visit www.myCigna.com or download the myCigna mobile app
• Log in or click “Register” if you are a first-time user to create an account.
• Click on “ID Cards” on the top of the screen

To access your digital ID card on the Mobile App, you will:

• Download the myCigna mobile app
• Log in to your account or click “Register” if you are a first-time user
• Tap on “ID Cards” at the bottom of the screen

You can view, download, or print, your digital card to then show to your provider’s office or pharmacy.

What dental plans are available?

IPS offers two dental plans through Cigna to suit your dental needs:

• Basic Dental Plan
• Enhanced Dental Plan

Both plans cover preventive care services at 100%, but there are differences in coverage levels and annual benefit maximums. To compare the plans in detail, please refer to the Benefits Summary available under the Benefits Resources tab.

Who is our Vision insurance provider?

Our vision insurance is provided through VSP.

How do I find an in-network vision provider?

Online:

1. 01Visit VSP’s website: www.VSP.com
2. 02Click “Find a Doctor”
3. 03Enter your zip code or you can search by Office or Doctor Name

By Phone:

1. 01Call VSP: 800-877-7195

Will I get an ID card from VSP for my vision insurance?

No, VSP does not mail physical ID cards to members. You can print a Member Vision Card for your records by logging into your account on www.VSP.com. But to receive services at an in-network provider, you do not need the card; simply provide your name and last four digits of your Social Security Number, and they can verify your coverage and benefits that way.

3. Virtual Care – MDLIVE

What is virtual care through MDLIVE?

Virtual Care through MDLIVE, offered by Cigna, gives you access to board-certified doctors, licensed therapists, and other healthcare providers, by phone or video. Services are available 24/7/365, and you and your covered dependents can get care from home, work, or while traveling, without needing to visit a doctor’s office or urgent care center.

This service is available if you are enrolled in one of our Cigna Medical Plans.

What types of care can I get through MDLIVE?

1. 01You can get care for a wide range of needs, including:
2. 02Primary Care – Routine visits, chronic condition management, preventive care, and lab orders.
3. 03Behavioral Care – Talk therapy and psychiatry for anxiety, stress, or depression.
4. 04Urgent Care – Treatment for minor illnesses and injuries, cold & flu, sinus infections, allergies, pink eye, and more.
5. 05Dermatology – Upload photos of skin, hair, or nail concerns for a diagnosis and treatment plan - usually within 24 hours.

How much does a visit cost through MDLIVE?

Beginning in 2026, MDLIVE visits now include a copay, making virtual care more affordable and accessible!

• Primary Care Provider: $20 Copay
• Specialist Visit: $50 Copay

How do I access MDLIVE?

1. 01Log in to www.myCigna.com or use the myCigna mobile app.
2. 02Find the “Talk to a Doctor” button (you may need to scroll down).
3. 03Choose the type of care you need: Medical or Counseling, and the cost of the visit will be shown to you.
4. 04Schedule your appointment or start your visit right away.

When should I use MDLIVE vs going to a doctor’s office or urgent care?

Use MDLIVE when you:

• Want convenient, same-day care for a minor illness or injury
• Need a routine follow-up or wellness visit
• Have ongoing therapy or medication management needs
• Prefer not to travel or take time off work for an appointment
• Want to save money on your visit, since MDLIVE includes affordable copays

Disclaimer: MDLIVE is for non-emergency care. If you have a life-threatening condition or serious injury, call 911 or go to the nearest emergency room or urgent care center immediately.

4. Tax Advantaged Savings Accounts

What are tax-advantaged savings accounts?

Tax-advantaged savings accounts allow you to set aside money before taxes are withheld from your paycheck, which can help lower your taxable income and save money. At IPS we offer the following tax-advantaged savings accounts:

• Health Savings Account (HSA)
• Flexible Spending Account (FSA)
• Dependent Care Flexible Spending Account (DCFSA)

What is the difference between the HSA, FSA, and DCFSA?

All three accounts allow you to set aside pre-tax dollars to help pay for specific expenses, but they differ in how they work and what they cover:

1. 01Health Savings Account (HSA) – A type of savings account used to pay for qualified medical expenses such as deductibles, copays, prescriptions, vision, and dental care. The HSA is only available if you’re enrolled in our Consumer Driven Medical Plan, which is our high-deductible health plan.
2. 02Flexible Spending Account (FSA) – A type of savings account used to pay for qualified medical expenses such as deductibles, copays, prescriptions, vision, and dental care. The FSA is available if you’re enrolled in our Copay Medical Plan, or you are not enrolled in an IPS medical plan or any other high-deductible health plan.
3. 03Dependent Care Flexible Spending Account (DCFSA) – A type of benefit account you put money into on a pre-tax basis that is used to reimburse yourself for eligible child or adult care expenses, such as daycare, preschool, before or after school programs, some summer day camps, or adult day care for a qualifying dependent who lives with you.

How do I qualify for a tax-advantaged savings account?

1. 01HSA Eligibility - You must be enrolled in the Consumer Driven Medical Plan.
   1. 01You cannot be covered by any other non-HSA compatible health coverage, including Medicare Part A or B, TRICARE, and you cannot enroll in the HSA if your spouse is enrolled in a medical flexible spending account.
2. 02FSA Eligibility - You can either be enrolled in the Copay Medical Plan or not be enrolled in an IPS medical plan, or any other high-deductible health plan.
3. 03DCFSA Eligibility- All IPS employees are eligible to enroll. However, this account is designed to specifically help cover the cost of eligible dependent care services – not medical care expenses.
   • You can use this benefit to reimburse yourself for for eligible dependent care services for dependent children under the age of 13, or adult dependent expenses who are incapable of self-care and lives with you.

IMPORTANT: If you do not have children under the age of 13 for whom you pay for childcare expenses, or a disabled adult for whom you pay for adult care expenses for, it may not be beneficial to enroll in this benefit. This benefit is NOT for dependent care copays or dependent health care expenses.

How do I contribute to my tax-advantaged savings account?

• HSA – Contributions are made through pre-tax payroll deductions, and the funds are deposited directly into your HSA account with HSA Bank. IPS will contribute to your HSA as well, to help offset your deductible and out-of-pocket costs. You can change your HSA contribution amount throughout the year through ADP.
• FSA – All contributions are made through pre-tax payroll deductions. The FSA is pre-funded, meaning your annual enrollment amount is available immediately. Once an annual election amount is made, you cannot change your contribution amount until the next plan year.
• DCFSA – All contributions are made through pre-tax payroll deductions. Funds are not immediately available, and funds must be in the account when a reimbursement request is submitted. Once an annual enrollment amount is made, you cannot change your contribution amount until the next plan year.

How can I use my tax-advantage account?

1. 01HSA and FSA – You can use your funds to cover the cost of qualified health care expenses such as deductibles, copays, prescriptions, vision care, and dental care expenses. Some over-the-counter items are eligible as well. You will receive a debit card in the mail from the provider to use.
2. 02DCFSA – You can use your funds to pay for eligible dependent care services for dependent children under age 13, such as daycare, preschool, summer day camp, before or after school programs, and adult daycare expenses for a disabled dependent. You will submit reimbursement requests to the provider.

Visit the provider websites to find out more information. The links to the provider’s websites can be found on the Benefit Resources tab on the website.

What happens if I don’t use the money I’ve contributed by the end of the year?

1. 01HSA – Your contributions will rollover from year to year and will remain with you for life. HSA funds can also be invested and to learn more, visit: HSA Bank Investment Options
2. 02FSA – The IRS use-it or lose-it rule applies. Generally, any funds contributed to the FSA must be used within the plan year. However, in 2026, you are able to carry over a maximum amount of $680 to the following year. Any amount over $680 will be forfeited. Don’t put more money in your FSA than you think you'll spend within a year on things like copayments, coinsurance, drugs, and other allowed health care costs.
3. 03DCFSA – The IRS use-it or lose-it rule applies. Any funds contributed to the DCFSA must be used within the plan year, though there is a grace period of up to 2 ½ months to submit expenses for reimbursement.

5. Short-Term Disability and Long-Term Disability

What are Short-Term Disability (STD) and Long-Term Disability (LTD) Disability coverages for?

These benefits provide temporary income replacement if you’re unable to work due to a non-work related illness, injury, or medical condition.

• Short-Term Disability (STD): Begins after the 8th day of disability, providing you with 60% of your base weekly earnings up to a $1,500 weekly maximum, and can last up to 25 weeks.
• Long-Term Disability (LTD): Begins after 180 days of disability, providing you with 60% of your base monthly earnings, up to a $9,000 monthly maximum, and can continue until the plan maximum benefit period or until you reach normal retirement age.

Note: Some states and cities offer Disability Insurance, Family and Medical Leave Insurance, or Paid Sick Leave, which you may be automatically enrolled in and fund through payroll deductions. These programs provide income during approved medical or family leave and may vary by location. The IPS Short-Term Disability plan offers additional coverage, so it’s a good idea to review your state or local benefits first to see if extra protection is needed.

For more information, visit your state’s official website or www.USA.gov.

What do I need to do if I need to use my STD or LTD benefits?

1. 01First, notify your supervisor as soon as possible.
2. 02Next, contact the HR Team for guidance on how to initiate your leave claim. The HR Team will provide you with detailed instructions on how to contact our disability insurance provider, New York Life.

How much does STD or LTD coverage cost?

The cost of the benefit is based on your yearly income, before overtime and bonuses. Please refer to your benefits in ADP for your exact cost.

Are payments guaranteed while I’m out on leave?

New York Life must review and approve your claim prior to benefits being paid out.

Can I receive New York Life disability payments via direct deposit?

Yes! You can set up a direct deposit by contacting your New York Life claim manager.

How long does it take for New York Life to approve or deny my claim, or to notify me if I need to submit an Evidence of Insurability (EOI)?

The time frame may vary based on when you submit your forms, and whether New York Life requires any additional information. After you’ve submitted your forms, you can follow up directly with New York Life for updates on your claim status.

6. Critical Illness

What is Cigna Critical Illness Insurance?

Cigna Critical Illness Insurance is new for 2026, and it provides a lump-sum cash benefit if you or an eligible dependent are diagnosed with a covered serious illness, such as cancer, heart attack, or stroke. You can use the benefit however you need, including medical bills, travel for treatment, childcare, or everyday expenses.

Who can I cover and how much coverage can I choose?

You can select a benefit amount of $5,000, $10,000, or $20,000 for yourself. You can also cover your spouse and child(ren), and their coverage is a percentage of the employee’s benefit.

What illnesses are covered?

Full payout (100% of benefit amount):

• Heart Attack, Stroke, Major Organ Failure, End Stage Renal Failure, Invasive Cancer, Cystic Fibrosis, Paralysis, Loss of Hearing or Speech

Partial payout (25% of benefit amount):

• Coronary Artery Disease, Carcinoma in Situ, Advanced Heart Failure, Alzheimer’s Disease, Parkinson’s Disease, Multiple Sclerosis (MS), Severe Sepsis, Coma

Wellness Benefit:

• Receive $50 for annual health, dental, or vision exams (once per person per year)

This is not a complete list of covered illnesses; please see the Summary Plan Description for full details.

How much does it cost?

Rates are based on your age, the benefit amount, and dependents you choose to cover. Specific rates will be available during your enrollment session.

Are there any medical questions or pre-existing condition limitations?

No. The plan is guaranteed issue, meaning there are no age or pre-existing condition limitations.

Why should I consider this coverage?

Critical illnesses can create unexpected expenses. This coverage gives extra financial protection and helps you focus on recovery without worrying about everyday costs or medical bills.

7. Beneficiary and Dependent

What is the difference between a beneficiary and a dependent?

1. 01A beneficiary is the person or entity that you legally designate to receive or collect monetary benefits, such as life insurance, AD&D insurance, or retirement funds, in the event of your passing.
2. 02A dependent is someone who relies on your enrollment for insurance coverage, like your spouse or child.

Which benefits do I need to have a beneficiary listed for?

• Life Insurance Plans
• Accidental Death and Dismemberment (AD&D) Plans
• 401k Retirement

How do I add or manage a beneficiary for my benefits?

You can update your beneficiary and dependent information by logging into ADP and navigating to:

Myself > Benefits > Enrollments > Manage Dependents & Beneficiaries > Manage Info

Note: Adding dependent or beneficiary information in this section does not enroll them in any coverage. This step simply adds their details to your ADP profile.

If you need to add a dependent to your insurance outside of your initial new hire enrollment or open enrollment, you may need to complete the Qualifying Life Event process to make the change.

What do primary and secondary/contingent beneficiary mean?

• The primary beneficiary is the person or entity that will receive your benefits first if you pass away.
• The secondary or contingent beneficiary is who will receive the benefits only if no primary beneficiary survives you or if the primary beneficiary cannot be located.

How many beneficiaries can I have listed?

You can list as many beneficiaries as you’d like in both the primary and the contingent/secondary categories. However, you will need to divide the benefit percentages between each beneficiary you elect, and the total must add up to 100%.

8. Life Insurance and Accidental Death & Dismemberment (AD&D)

What is Basic Life Insurance and Basic AD&D Insurance?

Basic Life Insurance and Basic AD&D insurance are company-paid benefits provided to you at no cost.

• Basic Life Insurance pays a benefit to your designated beneficiary in the event of your death.
• Basic AD&D Insurance pays a benefit if you die or suffer a covered serious injury (like loss of a limb or eyesight) because of an accident.

What is Voluntary Life Insurance and Voluntary AD&D Insurance?

These are voluntary/optional coverages you can choose to elect to in addition to the company-paid basic plans. Yu can elect coverage for yourself, your spouse, and/or your dependent children. Premiums for the Voluntary Life and/or Voluntary AD&D insurance is paid through payroll deductions.

What does ‘Guarantee Issue Amount’ mean for Voluntary Life Insurance?

The maximum amount of coverage you can elect under the Voluntary Life Insurance without needing to complete an Evidence of Insurability (EOI) with New York Life. If you request a coverage above this amount, New York Life may require you to submit a health questionnaire (EOI) and be approved before the additional coverage is effective.

How much does Voluntary Life or Voluntary AD&D Insurance cost?

The cost of these benefits will vary based on your elected benefit amount and your age. You can refer to your benefits in ADP for your exact cost.

Does AD&D only cover a work-related accident?

AD&D coverage does not require an accident to occur at work for payment. Benefits are paid for covered accidents that happen both on and off the job.

Could my beneficiaries receive payment from both my Life Insurance & AD&D Insurance if something happens to me?

Yes, this is possible, if your death is caused by a covered accident.

9. Evidence of Insurability (EOI)

What is Evidence of Insurability (EOI)?

Evidence of Insurability (EOI) is a statement of an individual’s health history. It’s used by insurance companies to determine eligibility for certain types or amounts of coverage. It may include completing a health questionnaire.

When is an EOI required?

EOI is usually required in the following situations:

• When you elect life insurance coverage above the Guaranteed Issue amount.
• If you are enrolling in Voluntary Life Insurance, Voluntary AD&D, Short-Term Disability, and/or Long-Term Disability for the first time during Open Enrollment and elect more than the guaranteed amount.
• When increasing your current coverage beyond the guaranteed limit.

How does the EOI process work?

If your election requires you to complete an EOI with New York Life, then:

1. 01A member of the HR Team will initiate the EOI process after you make your election.
2. 02You will receive instructions to complete the EOI health questionnaire online with New York Life.
3. 03New York Life will review your submission and determine whether your coverage request is approved or denied.
4. 04You will be notified once a decision has been made.

When does my coverage become effective if EOI is required?

Your elected coverage does not become effective until New York Life has approved your EOI application. Payroll deductions will begin once the election is approved and the coverage is active.

What happens if my EOI is denied?

If your EOI is denied, the additional coverage you requested will not become active. You will retain any previously approved coverage you already had in place.

10. Retirement – 401(k)

Who is the 401k Retirement Savings Plan through?

• ·IPS Employees – Your 401k account provider is ADP Retirement.
  • Website: www.myKplan.com
  • Phone: 866-695-7526

• ·Florida Region Employees – Your 401k provider is One America.
  • Website: www.OAretirement.com
  • Phone: 800-858-3829

When am I eligible to contribute to the 401k?

Most employees are automatically enrolled between 30-45 days of service, based on the pay period, at a default contribution rate of 3%.

Employees who are part of a collective bargaining unit employees may elect to participate between 30-45 days of service, based on the terms outlined in the bargaining agreement.

How do I enroll or make changes to my 401k contributions?

You can make changes to your 401k at any time. To enroll, adjust your contribution amount, or update your investment selections:

• Log into ADP and go to:
  • Myself > Benefits > Retirement Account

OR

• Visit your retirement provider’s website directly, depending on your region.
  • IPS Employees: www.mykplan.com
  • Florida Region Employees: www.OAretirement.com

Can I roll over money from another 401k account into my 401k account with IPS?

Yes! Rollover forms are available on the retirement provider’s website.

Does IPS contribute to my 401k?

Yes, IPS will make an employer match contribution to your 401k. To confirm the amount IPS will match and for eligibility information, please refer to your 401k account online or your rate sheet.

What is the difference between Pre-Tax and Roth 401k contributions?

1. 01Pre-Tax – Your contributions are made before taxes are withheld from your paycheck. You will pay taxes on this money when you withdraw it during retirement.
2. 02Roth – Your contributions are made after federal, state, and local taxes have been withheld from your paycheck. Since you already paid taxes on this money at the contribution stage, you will not be taxed when you withdraw funds during retirement.

How do I know which is better for me when contributing to my 401k?

Each option has its different tax benefits, and we recommend consulting with a financial advisor or tax expert when choosing between Pre-Tax or Roth contributions to determine which is right for you and your financial goals.

Is there a financial advisor I can talk to?

Yes! IPS partners with NFP Financial Advisors to offer free, one-on-one financial advice. You can speak with an advisor to discuss your retirement goals, investment options, and obtain financial advice - all at no cost to you! Contact NFP Financial Advisors:

Phone: 800-493-1981 Ext. 32345

11. Identity Theft Protection – LifeLock by Norton

What is LifeLock by Norton?

LifeLock by Norton is an identity theft protection and device security service.

• They monitor your personal information and alert you if potentially fraudulent or suspicious activity is detected.
• It includes credit monitoring to help ensure that you and only you, are using your information.
• LifeLock also provides device protection to guard against hackers, viruses, and other online threats across your computers, tablets, and mobile devices.

What is the difference between LifeLock Benefit Essential and LifeLock Benefit Premier?

The two plan options differ in the level of monitoring, storage, and device protection offered:

• Benefit Essential
• Credit Bureau Monitoring: 1 Bureau
• Cloud Backup Storage: 10 GB
• Device Security: Up to 3 Devices
• Benefit premier
• Credit Bureau Monitoring: 3 Bureaus
• Cloud Backup Storage: 50 GB
• Device Security: Up to 5 Devices

Is a personal e-mail account required for LifeLock coverage?

Yes - LifeLock requires a personal e-mail address to set up your account and send alerts and communications directly to you.

What information is needed to add my dependents to LifeLock coverage?

1. 01Full Name
2. 02Date of Birth
3. 03Gender
4. 04Social Security Number (required for identity monitoring)
5. 05Relationship to you (e.g., spouse, child)

12. IPS Refer-a-Friend Program

How do I refer-a-friend to a position at IPS?

• Visit the career center on the IPS website to view open positions.
• Refer-a-friend for an open position at any IPS location.
• Share the job posting with your friend and encourage them to apply.
• When applying, your friend must list your name as the referring employee.
• If your friend is hired, you will be able to collect a referral bonus after 90 days & 1 year of successful employment.

How much do I get for referring a friend and they’re hired?

You’ll receive a bonus if your referred candidate is hired and they complete 90 days and 1 year of successful employment.

• 90 Days: $1,000
• 1 Year: An additional $2,000

Can I refer more than one person?

Yes! There’s no limit to the number of people you can refer. However, each candidate can only be referred once.

Why should I refer someone?

Referrals help us build stronger teams and a better workplace. Your participation:

• Speeds up hiring
• Helps us find he right people for every position
• Saves on recruitment costs
• Strengthens team morale
• Makes you more engaged in shaping our company’s future

Plus, successful referrals mean real rewards for you!

13. Tuition Reimbursement Program

Who is eligible to participate in the tuition reimbursement program?

Eligibility depends on your role, service time, and performance:

• You must be a salaried or hourly non-represented U.S.-based IPS employee
• You must have:
  • At least 6 months of continuous service for undergraduate/job-related courses
  • 2 years of continuous service for MBA or graduate business programs
  • A positive performance review and no recent disciplinary actions

How do I apply for tuition reimbursement?

• Before enrolling, complete the IPS Tuition Reimbursement Application and get your manager's approval.
• Include details on how the course supports your current job or growth at IPS.
• Submit the signed form to Human Resources for final approval (may take up to 2 weeks).
• After completing the course with a grade of C or better, submit:
  • Final grade report
  • Tuition fee statement
  • Proof of tuition payment
  • Approved reimbursement form

Send to: [email protected]