Health & Welfare Benefits
Dental
You have two MetLife Dental plans to choose from. The MetLife Dental plans give you access to providers through a national dental network. The MetLife plan will accept both in-network and out-of-network providers; however, your dental dollars will go further when choosing an in-network dentist. By selecting an in-network MetLife provider, deeper negotiated discounts will apply.
Dental coverage is a separate election; therefore you can choose dental coverage even if you don’t enroll in a medical plan through Inspire. For more information, visit metlife.com.
Vision
Inspire offers two vision plans through Vision Service Plan (VSP)—the nation’s leading provider of vision coverage. Employees and their dependents enrolled in either plan have access to the nation’s network of eye care professionals. VSP also offers you the added flexibility of choosing an out-of-network provider, and will reimburse you up to the amount allowed under the plan. For more information, visit vsp.com.
Basic Life Coverage
Inspire provides a company-paid life insurance benefit to eligible employees.
Department Managers and above: You will receive a benefit in an amount equal to your annual base salary.
Shift Managers and Team Members: You will receive a $10,000 benefit.
Optional Life Insurance & AD&D*
Optional Life Insurance
Beyond the Basic Life insurance benefit provided by Inspire, you may elect additional coverage for yourself and your dependents.
- For yourself: You may purchase Optional Life insurance in increments of $10,000 up to $1,000,000.
- For your spouse: You may purchase Optional Life Insurance for your spouse in increments of $10,000 up to $250,000, but no more than 100% of your combined Basic and Optional insurance.
- For your Child(ren): You may purchase Optional Life Insurance for your eligible children in the amounts of $1,000 for children age 14 days to 6 months, and $10,000 for children ages 6 months to 26 years.
Accidental Death & Dismemberment
If you are involved in an accident that is covered under the plan, you or your surviving beneficiary will receive an Accidental Death and Dismemberment (AD&D) insurance benefit. This benefit is in addition to your Basic Life insurance coverage, and provides another amount equal to your annual base salary up to a $1,000,000 maximum.
*Available to select populations. Review your benefit guide to confirm whether or not you receive this benefit.
Annual Enrollment is the perfect time to review your beneficiary designations for all life insurance policies. To make any changes, visit InspireBrandsBenefits.com.
Disability Insurance*
Short-Term Disability
Inspire provides company-paid Short-Term Disability benefits to full-time management and administrative employees who have one year of continuous service in an eligible position. Eligibility for Short-Term Disability pay for a non-work-related accident or illness begins on the first day of the absence, but only for absences greater than six days. Should you become physically unable to work due to a medically-diagnosed condition, you may receive up to 26 weeks of Short- Term Disability benefits at 70% of base pay in any given 12-month period.
Long-Term Disability
Inspire provides company-paid Long-Term Disability (LTD) benefits to full-time management and administrative employees on the first of the month following 30 days of service in an eligible position. Should you become unable to work after 26 weeks due to a medically diagnosed condition, you are eligible to apply for LTD benefits. Under the plan, Reliance Standard will pay 60% of your income—for as long as you continue to meet the plan’s definition of disability—up to the normal Social Security retirement age. Income is defined as annual base salary.
*Available to select populations. Review your benefit guide to confirm whether or not you receive this benefit.
Employee Assistance Program (EAP)
Administered by CorpCare Associates, this confidential service gives you free access to fully-licensed and certified counselors who can help you navigate through professional, personal, family issues and other life challenges.
Covered services include:
- Marital/family problems
- Financial concerns
- Drug/alcohol abuse
- Parenting problems
- Legal concerns
- Work conflicts
- Elder/childcare concerns
- Emotional concerns
Identity Theft*
Identity Theft protection is offered through Allstate. The program offers you peace of mind, financial reassurance and time-saving expertise through their comprehensive identity protection plan.
Allstate Identity Theft protection offers:
- Identity and credit monitoring
- Credit scores and reports
- Threshold monitoring
- Social media reputation monitoring
- Wallet protection
- Digital exposure report
- And more!
*Available to select populations. Review your benefit guide to confirm whether or not you receive this benefit.
Legal Insurance*
Legal insurance is offered through MetLife Legal.
MetLife Legal services include:
- Estate planning documents
- Document review
- Family law
- Elder law matters
- Real estate matters
- Document preparation
- Traffic offenses
- And more!
*Available to select populations. Review your benefit guide to confirm whether or not you receive this benefit.
Pet Insurance*
Pet insurance is offered through Pets Best. Pet insurance reimburses you for vet bills when your pet is sick or injured, to help take the financial worry out of vet visits.
- Fast claims processing and payment
- Optional direct deposit and direct vet pay options
- Use any veterinarian in the U.S. - including specialty and emergency clinics
- Exclusive employee discount on BestBenefit plan available in most states
- Optional coverage for routine care
- Access to a 24/7 pet helpline powered by whiskerDocs
*Available to select populations. Review your benefit guide to confirm whether or not you receive this benefit.
Journey - Mental Wellbeing
Every Team Member of Inspire Brands will have access to Journey, the leading preventative mental health solution for modern companies. Journey provides live group learning, peer support and proactive health concepts to encourage happier, healthier lives. Journey LIVE provides employees with the tools, resources, and support to navigate the challenges of work and life.
What will you find on Journey LIVE? Classes designed to help you:
- Build better relationships and improve communication
- Listen to your inner voice and find confidence to speak up
- Stay creative and find healthy routines at work and at home
- and so much more!
Financial Wellness*
Inspire offers the SmartDollar Financial Wellness program at no cost to you. Dave Ramsey's all-new financial wellness program will teach you how to take control of your money. SmartDollar is an online financial wellness program designed to help you reach your financial goals. With SmartDollar, you’ll get a step-by-step plan that teaches you how to budget, save, pay off debt, invest and more!
For more information visit smartdollar.com.
*Available to select populations. Review your benefit guide to confirm whether or not you receive this benefit.