Medical Benefits
Welcome
Our employees are our most valuable asset.
Carlisle Wide Plank Floors cares about the health, wellbeing and financial security of our associates and is proud to offer a comprehensive benefits program to all eligible employees. Your benefits are an important part of your total compensation; therefore, we invite you to familiarize yourself with the details of these plans.
Who is Eligible and When?
All regular full-time employees working 30+ hours a week are eligible to enroll in health insurance. Eligibility for newly hired employees is the 1st of the month following 60 days of employment. New employees will have 30 days to elect medical coverage. Current, eligible employees who have elected to waive coverage are able to enroll during Open Enrollment. Only if they experience a qualifying event (including losing coverage elsewhere, getting married, having a baby) are they able to enroll outside of the open enrollment period.
How Do I Enroll?
Newly hired, regular full-time employees will enroll for health insurance benefits during the new employee orientation period. Eligibility begins the 1st day of the month, following the 60th day of employment.
Waiving or Declining Health Insurance
If you are eligible for health insurance and will not be enrolling because of alternative coverage, or choose not to have insurance, a waiver form must be signed during the enrollment period. If you elect not to enroll, you may not join the plan until the next enrollment period, in late fall of 2025, unless there is a “qualifying event.”
All employees should be aware of possible Federal tax penalties for declining Carlisle’s health insurance plan enrollment, as well as alternatives for health insurance available through the Health Insurance Exchange. For more information about declining health insurance, see: https://www.healthcare.gov/get-coverage/
What happens if I leave Carlisle?
Under certain circumstances, you and your dependents may continue to participate in health coverage, dental insurance, vision insurance and the Medical Flexible Spending Account through the Consolidated Omnibus Budget Reconciliation Act. COBRA is a federal guarantee of the continuation of health insurance plan coverage after employment ends, which allows you to remain on medical and dental coverage, at the employee’s expense, for up to 18 or 36 months, depending on the circumstances. Former employees who enroll via COBRA will be responsible for the full cost of the monthly premiums.
Domestic Partnership: An employee’s domestic partner and domestic partner’s dependent children can enroll in the Carlisle health, dental and vision insurance plans.
Health Plan Overview
The major cost sharing components for Carlisles’ plans are copays, deductibles, coinsurance, and Out-of-Pocket maximum amounts. All accumulators are tracked on a calendar year (January – December)
A copay is an amount set under the medical plan that the member pays for covered services – such as an office visit – or prescription drugs.
The EPO 1500 has copays for virtual visits, office visits, urgent care and prescriptions drugs.
Deductible is the amount of deductible-eligible covered medical expenses (i.e. inpatient, outpatient, imaging, lab, ER) the member pays before Allied pays benefits.
The EPO 1500 has a $1,500 deductible for single coverage. $3,000 for dual coverage and $4,500 for family coverage.
Coinsurance is the amount the member pays for deductible-eligible services after meeting the deductible.
The EPO 1500 has zero coinsurance for medical services and 20% coinsurance for durable medical equipment.
Out-of-Pocket Maximum refers to the most you will pay for covered expenses under the plan. Copays, Deductibles and Coinsurance all accumulate toward the OOP Max.
EPO 1500: $5,650/$11,300 (Individual/Dual & Family)
Where you receive your care can impact how much you pay:
- Urgent Care Centers, such as Convenient MD are generally less expensive than hospital emergency rooms
- Stand-Alone labs such as Quest Diagnostics on West Street in Keene are generally less expensive than hospital labs.
- Ambulatory Surgical Centers in Concord, Bedford, Manchester and other locations in NH give members an opportunity to pay lower fees for certain elective surgeries/services.
Contributions & Rates
The chart below shows the weekly payroll deduction for various coverage levels of the plan.
Summary of Benefits & Coverage (SBC)
Summary Plan Description (SPD)
RX Formulary
Flexible Spending Accounts
Flexible Spending Accounts (FSA)
What is a Medical Flexible Spending Account? A Medical FSA is a tax-advantaged employee benefit that allows eligible employees to voluntarily set aside pre-tax dollars through equal payroll deductions to be used for eligible health care expenses.
Who is eligible?
Carlisle offers both health (FSA) and dependent care (DCA) flexible spending
accounts. Employees may contribute pre-tax dollars into these accounts to help offset eligible medical expenses or dependent care expenses. New administrator this year! The FSA & DCA will be moving from Voya to Allied.
Eligible employees may elect to contribute up to $3,300 during the plan year, January 1, 2025-December 31, 2025.
Medical FSA Basics
- Medical FSAs are used to set aside money for planned or reoccurring qualified medical expenses that are not covered by insurance, such as dental care, vision care, contact lenses, co-pays, deductibles, out-of-network expenses. For a list of qualified expenses visit: https://www.irs.gov/pub/irs-pdf/p502.pdf
- Under the Coronavirus Aid, Relief and Economic Security Act (CARES Act), the definition of a qualifying medical expense now includes certain over-the-counter (OTC) medications and products. For some examples of these products, see the “Expanded FSA Expense” flyer.
- You have full access to your total election amount on the 1st day of that plan year. You do not need to wait until your FSA payroll deductions equal the amount of your qualified medical expense.
- Most transactions can be paid at the point of sale with a debit card pre-loaded with your total FSA amount for that plan year.
- You have 90 days from the end of the plan year in which to submit any claims. For the 2025 plan year, you will forfeit any money over $660 that is left at the end of the plan year in your Health FSA account. If you have $660 or less in your health FSA account those funds will automatically be carried over into the subsequent plan year.
What is the most I can contribute?
- $3,300 for plan year 1/1/2025-12/31/2025
Dependent Care Flexible Spending Account Basics
The Dependent Care Assistance Plan (DCAP) Account is designed to help you pay for child care services for a child who is under age 13 or care for a disabled Spouse or Dependent when those services make it possible for you (or you and your Spouse if you are married and/or your Spouse is not disabled or a full-time student) to work.
You qualify for this benefit if:
- You are a single parent; or
- You have a working Spouse; or
- Your Spouse is a full-time student for at least five months during the year while you are working; or
- Your Spouse is disabled and unable to provide for one’s own care.
A DCA allows employees to set aside pre-tax dollars to pay for qualified dependent care expenses. Funds can be used to pay for day care, preschool, or other care for qualified tax dependents. To qualify for a dependent care FSA, the IRS requires that the dependent care is necessary for you or your spouse to work, look for work or attend school full-time.
In 2025 the maximum amount you may contribute to the dependent care FSA is $5,000* (if single or married & filing jointly) or $2,500* (if married & filing separately). Please note that the DCA is 100% employee funded and is only available to use as monetary contributions are made.
Eligible Daycare Expenses :
•Childcare or Adult Care by a licensed childcare facility, for children under 13 years of age who qualify as tax dependents.
•Childcare or Adult care for children or adults of any age who are physically or mentally unable to care for themselves and qualify as dependents.
Carrier Contact Information
Forms and Plan Documents
FSA Store
The Richards Group has entered into a partnership with Health-E Commerce, also known as the FSA Store. This gives you access to hundreds of products that have been pre-vetted & approved for use with your Flexible Spending Account.
Did you know you could use your FSA to save money on everyday health essentials like baby health items, health trackers, pain relief products and more?
Here are just a few benefits of using the FSA Store:
- No Receipts Needed
- 2,500+ FSA Eligible Products
- 100% Eligibility Guaranteed
- Skip the claims process when you use your FSA card
This partnership also allows access to their Caring Mill products. Caring Mill is a line of premium healthcare products that support a healthy lifestyle and on average is priced 30% less than branded equivalent products.
With every Caring Mill purchase, a donation is made to Children’s Health Fund, providing necessary treatments to thousands of children in need, throughout the United States.
Curious what your FSA dollars can cover? Simply enter the product you are looking for in the eligibility list below.
Dental Benefits
Eligiblity
All full-time regular employees who work a minimum of 30 hours per week are eligible the first of the month following 60 days.
Plan Overview
Carlisle offers it’s employees a Dental Plan through Northeast Delta Dental. The plan covers Preventive Care, Basic, Major Restorative procedures and Orthodontics.
The chart below provides a high level overview of the dental plan design and features offered to eligible employees by Carlisle. You can also find your per pay period contributions/premiums below.
The Delta Dental PPO plus Premier network arrangement offers access to the nation’s largest network of dental providers while simultaneously offering access to PPO providers who have agreed to accept lower fees for Delta Dental patients.
1.To find a dentist in your area, visit: www.nedelta.com
2.Click Find a Dentist from the homepage
3.Choose the Delta Dental PPO or Premier from the Network Selection
4.Select your location, by address (optional) or zip code
- You may then customize your search by selecting a distance range, dentist name, practice name and/or specialty.
- Click “Search” and view your results.
Northeast Delta Dental: Dental Insurance
Customer Service: 800-832-5700
Website: www.nedelta.com
Plan Documents
Vision Benefits
Eligiblity
All full-time regular employees who work a minimum of 30 hours per week are eligible the first of the month following 60 days.
Plan Overview
Carlisle offers employees a voluntary vision plan through Humana. The plan covers frames, lenses and contact lenses.
Please note: an annual vision exam is offered through Carlisle’s medical plan with an office visit copay.
Humana: Vision Insurance
Customer Service: 866-537-0229
Website: www.humanavisioncare.com
To locate a provider, go to eyedoclocation.myhumanavcp.com. You can
either search by location or provider.
Plan Documents
Group Life Insurance
Summary of Group Basic Life and AD&D Benefits and Coverages
Life and AD&D Insurance can play an important role in reducing financial stress when a family is faced with the pre-mature death or disability of a wage-earner. To help employees during critical times of need Carlisle provides employer paid Group Life Insurance and employee-paid Voluntary Life Insurance. Please see plan certificates for detailed information.
New York Life: Basic Life, AD&D and Voluntary Life
Customer Service: 800-225-5695
Website: www.newyorklife.com
Forms & Plan Documents
Short & Long Term Disability Insurance
Summary of Group Short and Long Term Disability Benefits and Coverages
Disability Insurance can play an important role in reducing financial stress when a family is faced with the pre-mature death or disability of a wage-earner. To help employees during critical times of need Carlisle provides employer paid Short Term Disability and Long-Term Disability Insurance to employees. Please see plan certificates for detailed information.
Carrier Contact Information
New York Life: Short Term and Long Term Disability
Customer Service: 800-225-5695
Website: www.newyorklife.com
Forms & Plan Documents
SmartConnect - Medicare Resource
The Richards Group has partnered with SmartConnect™, an exclusive, no-cost program created specifically to connect Medicare-eligible working adults to the world of Medicare benefits. Whether an employee plans to continue working or is transitioning to retirement, we tailor solutions designed around their needs. Our agents provide an unfiltered view of the entire range of options and prices available to the employee.
SmartConnect Contact Information
For more information or to get started, please click on the following link: https://gps.smartconnectplan.com/wideplankflooring
Additional Information
Wellness Bonus
All full-time and part-time Carlisle employees can earn up to a $100 bonus* for completing qualifying wellness activities. View the Wellness Bonus form for more information.
*Due to IRS regulations, the Wellness Bonus is subject to payroll taxes.
Wellness Purchase Reimbursement & Gym Bonus
In addition to the Wellness Bonus, all full-time benefit eligible Carlisle employees can earn:
- Up to a $100 reimbursement for qualifying wellness purchases each year
- Up to a $400 gym bonus each year
See the Wellness Reimbursement and Gym Bonus forms for more details.
My Tuition Assistance Benefits
Our tuition assistance program is designed to help employees pay back student loan debt and improve their financial well-being.
Utilizing the relationship with The Richards Group, consultation services provided through GradFin are provided free of charge. GradFin is a new employee benefits program revolutionizing how employees can reduce their student loan debt.
GradFin will provide:
- One-on-one education consultations with GradFin Consultation Experts to review your current loan status and discuss personalized payoff options to save on your loans.
- GradFin will offer a competitive interest rate reduction when you refinance your loans.
- GradFin will offer the lowest interest rates in the industry through their lending platform which is made up of ten lenders to maximize the chances that you will be approved for a new loan.
- For more information or to schedule a one-on-one consultation visit: http://www.gradfin.com/platform/trg
Phone: (844) GRADFIN
Website: http://www.gradfin.com/platform/trg
The Wellness Outlet
We offer our employees discounts through the Wellness Outlet!
Enter account code RICHARDSGRP at The Wellness Outlet for access to discounts of 18-40% off retail price of fitness trackers from Fitbit and Garmin, plus free shipping to your home.
Website: https://www.thewellnessoutlet.com/