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The Transportation Benefit Program
saves you money on taxes if you
commute to and from work using public
transportation and/or you pay for parking
at or near work. Once you sign up, funds
are deducted from your paycheck
automatically on a pre-tax basis, lowering your taxable income.
The maximum pre-tax transit contribution is $130
per month and $250 per month for parking.
The program is administered through Discovery Benefits.
You’ll receive a Benefits debit card that you can use to pay
providers at the time of service directly from your transit and/
or parking account. If a parking facility doesn’t accept debit
card payments, you can pay out-of-pocket and submit a
reimbursement request from your account. If you are enrolled
in a Flexible Spending Account, the Transportation benefit will
be added to your Visa FSA debit card.
For questions or to enroll:
• Contact the Ensign Benefits Center at
877-352-8104. You may enroll or cancel coverage
any time during the year.
Transportation Benefit Program
Life and Accident Insurance
Basic Company-Paid Coverage
To protect those who rely on your income for their support,
the Company pays the full cost of basic life and accidental
death & dismemberment (AD&D) insurance. This coverage is
available to all benefit eligible employees
of an Ensign-affiliated company, regardless
of whether you are enrolled in other benefit plans.
If you need more than basic coverage, you may purchase supplemental life insurance coverage through Unum for yourself
and for your eligible dependents. You pay the full cost of supplemental coverage through after-tax payroll deductions.
Supplemental Life Insurance
Coverage For
Coverage Amount
Maximum
Guaranteed Issue
Employee
$10,000 to $500,000 in
$10,000 increments
Lesser of $500,000 or
5X annual earnings
$200,000 if enrolling when first eligible. If you
purchase a minimum of $10,000 when first eligible,
you can increase coverage in $10,000 increments
up to $200,000 during a future Open Enrollment
without evidence of insurability (EOI).
Spouse or Domestic
Partner
$5,000 to $250,000
in $5,000 increments
Lesser of $250,000
or 100% of your
combined Basic and
Supplemental coverage
$25,000 if enrolling when first eligible. Any new
elections or elections greater than $25,000 are
subject to evidence of insurability (EOI).
Child(ren)
$2,000 to $10,000
in $2,000 increments
$10,000
$10,000
Coverage
When Payment Is Made
Benefit Amount
1,2
Basic Life Insurance
If you die from any cause
$12,000; 1x salary for Service Center employees
AD&D Insurance
If you die from an accident
$12,000; 1x salary for Service Center employees
(paid in addition to basic life Insurance)
If you are severely injured due to an accident
and suffer a loss specified in the policy such as
the loss of a limb or eyesight.
A portion of the benefit, as specified in the policy
1
The benefit amount is reduced after age 65.
2
If basic life is greater than $50,000, you can cap your coverage at $50,000 to avoid imputed income tax.
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