Benefits Information Hub

Benefits Information Hub for United States Employees

Getting Started

Get a head start on the Open Enrollment process by reviewing your information in ADP. Login today to review your current benefit elections, personal information, beneficiary setup, and more.

Accessing ADP

If on a computer or tablet, go to ADP’s website: www.workforcenow.adp.com

If on a mobile device, you can download the ADP mobile app.

Having Trouble Logging into ADP?

You can click on “Need Help Signing In?” and ADP will prompt you to answer some personal questions to help if you forgot your user ID or if you need to reset your password.

If you need additional assistance, please contact the HR Team at [email protected] or 864-451-5606.

Navigating ADP

Once you’re logged into ADP, you will be able to review and update your personal information, review your current benefit elections, add dependents, update beneficiary information, and more!

Review and Update Your Personal Information

Myself > My Information > Profile to…

Upload a photo to your profile
Review and update Primary Home Address
Review and update Personal Contact Information
Review and update Emergency Contact Information

Review current benefit elections:

Myself > Benefits > Enrollments

Add Dependent(s) and/or Beneficiary Information:

Myself > Personal Information > Dependents & Beneficiaries

Review 401k plan, including beneficiary for IPS Employees:

Myself > Benefits > Retirement Savings

Once in the 401k system, use the tool bar on the left to select My Account > Manage My Beneficiaries.

Note: For FL employees, visit www.oaretirement.com or call 1-800-858-3829.

Click Here to Access ADP

Open Enrollment FAQs

Q: When is Open Enrollment?

Open Enrollment will open on November 4, 2024, and will remain open until November 20, 2024. During this period, you will have the opportunity to make changes to your benefits. Any changes made during this timeframe will take effect on January 1, 2025.

Q: What do I need to do?

Evaluate your current benefit needs. Once Open Enrollment begins, log into IPS Connect to enroll in or decline benefit offerings.

Q: What happens if I don’t do anything during open enrollment?

This is a PASSIVE enrollment, which means that most, but not all benefit elections will roll over from year to year. You are required to re-enroll in the following benefits every year:

Health Savings Account (HSA)
Flexible Spending Account (FSA)
Tobacco/Nicotine Free Wellness Credit

If you do not log into ADP and re-enroll in those benefits, they will end on December 31, 2024, and you will not be enrolled in those benefits for 2025.

Q: What plan changes should I be aware of?

Beginning January 1, 2025, IPS Vision plan will be offered through VSP. If applicable, relevant changes to the plan will be discussed during on-site education meetings, live webinars, and in the UEE guides.

Q: Can someone help me choose the right benefits?

We can try! Contact the HR Team, 864-451-5606 or [email protected], if you have questions about how each benefit works. We will do our best to help guide you through scenarios and ask questions that can help you make your decisions.

You can also reach out to Cigna’s Pre-Enrollment line at 888-806-5045 to discuss your options with a Cigna representative, who can assist you in determining which coverage is best for you and your family.

Q: What if I make a mistake with my enrollments? Will I be able to fix it after open enrollment closes?

Yes. We do allow employees to make corrections to elections, but you must do so before December 13th.

Corrections must be made by contacting the HR Team, 864-451-5606 or [email protected]. You cannot make changes through the enrollment platform after November 2oth.

Please note, the correction period is not an extension of the open enrollment period. Only corrections will be accepted during this time.

Q: I noticed on my first paycheck in January that my elections are wrong. What do I do?

Contact the HR Service Team immediately! We will do our best to help get your election corrected.

Benefit FAQs

Healthcare Glossary

Premium – The amount you pay through payroll deduction for your insurance benefits.

Deductible – The annual amount you pay before your health plan begins to pay for covered health care costs. Once you meet your deductible, you’ll pay a portion of the cost of your covered health care costs and your plan will pay the rest. Not all covered services are subject to the deductible. For example, the deductible does not apply to preventive care services. If you enroll in the Consumer Driven Plan, full prescription costs apply to your deductible.

Copay – The preset dollar amount that you pay for specific covered services and your plan will pay the rest.

Coinsurance – The percentage paid for a covered service, shared by you and the plan, once you have met your deductible. You are responsible for coinsurance until you reach your plan’s annual out-of-pocket maximum.

Out of Pocket Maximum – The maximum you’ll pay for covered health care expenses in a calendar year, including deductibles and copays. Once you meet your out-of-pocket maximum, the plan will pay 100% of covered services.

In-Network Care – Care provided by contracted doctors within the plan’s network of providers. This enables participants to receive care at a reduced rate compared to care received from out-of-network providers.

Out-of-Network Care – Care provided by a doctor or facility outside of the plan’s network. Your out-of-pocket costs may increase, and services may be subject to balance billings.

Balance Billing: Balance billing occurs when a health care provider bills a patient for the difference between the amount the provider charges and the amount the patient’s insurance pays.

Preventive Care – Routine health care services, including annual physicals, screenings, and immunizations to prevent illness, disease, and other health problems. In-network preventive care is covered at 100%.

Urgent Care – A medical facility that treats non-life-threatening illnesses, injuries, or conditions that require immediate attention but are not emergencies. Urgent care centers are helpful when care is needed quickly to avoid developing more serious pain or issues and are usually less expensive than emergency rooms with shorter wait times.

Emergency Room Care – Care received at a hospital emergency room for severe symptoms or life-threatening conditions.

Telehealth – Provides 24/7 access to a board-certified health care provider through convenient virtual care options – available by phone or video.

Group Term Life (GTL) Tax – Employees must pay tax on the amount of the company-paid premium for life insurance coverage amounts in excess of $50,000. This is called “imputed income” and is reflected in your paycheck each payday in the “memo” section of your pay stub. The IRS establishes the cost per month for each additional $1,000 of coverage based on age.

1. GENERAL
When can I make changes to my benefits?
The only time you can make changes to your benefits outside of your initial new hire enrollment is during the annual Open Enrollment or if you experience a qualifying life event.
When is Open Enrollment?
Open Enrollment for the 2025 Plan Year will be November 4, 2024 – November 20, 2024, for a benefit effective date of January 1, 2025.
What is a qualifying life event and how do I make a change to my benefits if I have a qualifying life event?
Examples of qualifying life events include:
Gain or loss of other insurance coverage
Marriage or divorce
Having a baby, adopting a child, or new guardianship
Death of a covered dependent
COBRA, Medicare, or Medicaid eligibility
If one of those events occurs and you need to make a change to your insurance coverages, you must:
Notify HR Team within 31 days of the life event
Supporting documentation is required based on the type of life event that occurred
Changes will take effect as of the date of the life event to prevent a lapse in coverage
Who is considered an eligible dependent that I can add to my insurance?
Lawful spouse (domestic partners are not eligible for coverage)
Children under age 26 (biological, stepchildren, legally adopted, or legal guardianship)
Disabled children over age 26, provided the disability occurred before age 26
You will be required to provide documentation that shows the dependent enrolled 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
Medical and Dental Insurances are through Cigna
What medical plans does IPS offer?
IPS offers two different medical plans through Cigna to suite your medical needs:
Consumer Driven Plan
Copay Plan
What do the medical plans cover?
Both the Consumer Driven Plan and the Copay Plan provide comprehensive coverage for preventative care services at 100%. However, the plans do have some differences. To review the specific coverages and comparison between the plans, please refer to the Summary of Benefits and Coverages located under the Benefit Resources tab.
Where can I see what prescription drugs are covered?
Your Cigna medical plan provides pharmacy benefits through Express Scripts. To view covered medications, please log into your MyCigna account online, where you can access information on covered drugs, find the best pricing based on your enrolled medical plan, find a pharmacy, and schedule mail-order drugs (if applicable).
You can also contact Cigna at 800-244-6224 and speak with a representative for additional assistance.
How do I find an in-network provider for Medical or Dental?
Visit Cigna’s website: www.MyCigna.com
01Select Find Care & Costs
02Enter your address or zip code to find care & costs in your area
03And you can search by Doctor Type or Doctor Name
Call Cigna: 800-244-6224
Will I receive an ID card in the mail from Cigna for my Medical or Dental insurance?
No – Cigna does not automatically mail home ID cards. Instead, you will access your digital ID card online at www.MyCigna.com or through the MyCigna mobile app.
To access your digital ID card, you will:
01Visit www.MyCigna.com or download the MyCigna mobile app
02Log into your Cigna account or if you are a first-time user, you must click Register to create an account
03Navigation Steps:
Web Browser: Click on “ID Cards” on the top of the screen
Mobile App: Tap on “ID Cards” at the bottom of your screen
At IPS, our Vision insurance is through VSP.
How do I find an in-network provider for Vision?
Visit VSP’s website: www.VSP.com
01Select Find a Doctor
02Enter your zip code or address to find care in your area
03Or you can search by Office or Doctor Name
Call VSP: 800-877-7195
Will I receive an ID card in the mail from VSP for my vision insurance?
No, VSP does not provide Member ID cards for vision insurance. Just tell your provider you have VSP, and your provider will be able to look up your benefits using your social security number.