Learn about your 2023 benefits

In a word, family is what Ben E. Keith is all about. And like any extended family, ours is a diverse workforce that needs a wide range of benefits. Learn more about the plans and programs available to you and your family in 2023 by clicking on a topic below. 

Resources to help you

Medical

Coverage to help you stay healthy

Ben E. Keith provides two types of medical plans:

  • PPO – you’ll pay a copay when you see a provider or fill a prescription.
  • HSA – this high-deductible health plan comes with a $1,000 tax-free Company contribution into a Health Savings Account (HSA) when you enroll in employee only coverage. If you cover your family, you’ll receive a $2,000 Company contribution. You can also contribute your own tax-free money into your HSA, up to the 2023 IRS limits, to pay for eligible expenses like deductibles, dental or vision care. Use HSA dollars to pay for eligible medical expenses like these. Learn more about HSAs here.

Both medical plan options provide you and your dependents with:

You’ll pay less if you use in-network providers. Find a list on myuhc.com.

*Non-network ER care is covered at 30% coinsurance

You will pay more for coverage if either of these surcharges apply to your personal situation:

  • Spousal surcharge
    If your spouse is currently working and eligible for medical coverage through his or her employer but you want to cover them on your BEK medical plan, you will pay $100 a month more in addition to the medical costs per pay period.
  • Tobacco surcharge
    You’ll pay $100 more per month if YOU (the employee) enroll in a BEK medical plan and use tobacco in any form – cigarettes, e-cigarettes, cigars, pipes, snuff or chewing tobacco. If you use tobacco now but want to quit, call QuitLogix at 1-855-372-0040.

UnitedHealthcare at myuhc.com or 1-844-587-8503 (Download app for Apple / Android)

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BEK Health Care FSA

  • If you enroll in the BEK PPO Medical Plan, use your health care FSA debit card to pay for eligible medical, dental and vision expenses including deductibles, coinsurance, copays, prescriptions and over-the-counter medications.
  • If you enroll in the BEK HSA Medical Plan, use money in your health care FSA to pay for eligible dental and vision expenses only. You must submit your expenses for reimbursement. You will not receive a debit card.
  • Contribute up to $2,850 using pre-tax dollars in 2023.
  • Your entire 2023 annual contribution amount is available to use on January 1st, 2023.
  • Decide on an amount to contribute from each paycheck using this FSA Worksheet and this list of eligible expenses. You can carry up to $610 in unused FSA dollars to use the following year.


BEK Dependent Care FSA

  • Use for daycare, nursery school, pre-school, after school, day camp for eligible children under age 13 or or senior daycare for aging parents.
  • Contribute up to $5,000 pre-tax dollars each calendar year.
  • Decide on an amount to contribute from each paycheck using this FSA Worksheet and this list of eligible expenses.
  • Funds are available as soon as they are deducted from your paycheck.
  • Any unused FSA dollars at the end of the year can be reimbursed to pay for 2023 eligible expenses through March 15th, 2024.

Dental

Coverage from Cigna will make you smile

The BEK Dental Plan from Cigna offers routine dental care, X-rays, basic and major care. Log in to mycigna.com or use the Cigna app to find a dentist and pricing.

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Vision

Regular eye exams screen for common vision problems and other health conditions. Making an eye exam part of your annual routine is a great way to stay healthy. This plan, from MetLife, also covers frames, lenses and contacts.

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Life/AD&D

Protects you and your family

Ben E. Keith employees are automatically provided Company-paid life/AD&D insurance of $50,000. BEK Life/AD&D coverage is provided by Lincoln Financial Group. Find life/AD&D rates on dayforcehcm.com.

Choose additional coverage for you and your family including:

  • BEK Employee Supplemental Life/AD&D
    Choose $50,000 to $950,000 in increments of $50,000. Rates are based on the age of the employee as of January 1st. EOI is required if you increase your current coverage by more than $50,000 or for amounts over $300,000.
  • BEK Spouse Life/AD&D
    Choose $50,000 to $250,000 in increments of $50,000. Spouse coverage is available in amounts up to 100% of your Employee Supplemental Life/AD&D coverage but cannot be more than $250,000. EOI (Evidence of Insurability) is required if you increase current coverage to an amount greater than $50,000.
    Find rates on dayforcehcm.com.
  • BEK Child Life/AD&D
    Pay one amount no matter how many children you cover, up to age 26. Each enrolled child will have $10,000 in coverage except from birth to 14 days old, which provides $1,000 in coverage. You may enroll dependent children up to age 26 or older if incapable of self-care due to a mental or physical disability.

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Life/AD&D

Protects you and your family

Ben E. Keith employees are automatically provided Company-paid life/AD&D insurance of $50,000. BEK Life/AD&D coverage is provided by Lincoln Financial Group. Find life/AD&D rates on dayforcehcm.com.

Choose additional coverage for you and your family including:

  • BEK Employee Supplemental Life/AD&D
    Choose $50,000 to $950,000 in increments of $50,000. Rates are based on the age of the employee as of January 1st. EOI is required if you increase your current coverage by more than $50,000 or for amounts over $300,000.
  • BEK Spouse Life/AD&D
    Choose $50,000 to $250,000 in increments of $50,000. Spouse coverage is available in amounts up to 100% of your Employee Supplemental Life/AD&D coverage but cannot be more than $250,000. EOI (Evidence of Insurability) is required if you increase current coverage to an amount greater than $50,000.
    Find rates on dayforcehcm.com.
  • BEK Child Life/AD&D
    Pay one amount no matter how many children you cover, up to age 26. Each enrolled child will have $10,000 in coverage except from birth to 14 days old, which provides $1,000 in coverage. You may enroll dependent children up to age 26 or older if incapable of self-care due to a mental or physical disability.

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Medical

Coverage to help you stay healthy

The BEK BCBS Medical Plan provide you and your dependents with:

FYI, you’ll pay more for out-of-network care. Find a list of providers and information about non-network benefits on alabamablue.com.

You will pay more for coverage if either of these surcharges apply to your personal situation:

  • Spousal surcharge
    If your spouse is currently working and eligible for medical coverage through his or her employer but you want to cover them on your BEK medical plan, you will pay $100 a month more in addition to the medical costs per pay period.
  • Tobacco surcharge
    You’ll pay $100 more per month if YOU (the employee) enroll in a BEK medical plan and use tobacco in any form – cigarettes, e-cigarettes, cigars, pipes, snuff or chewing tobacco. If you use tobacco now but want to quit, call QuitLogix at 1-855-372-0040.

BlueCross BlueShield of Alabama at alabamablue.com or 1-800-292-8868 (Download app for Apple / Android)

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BEK Health Care FSA

 

  • If you enroll in the BEK BCBS Medical Plan, use your FSA debit card to pay for eligible medical, dental and vision expenses including deductibles, coinsurance, copays, prescriptions and over-the-counter medications.
  • Contribute up to $3,050 using pre-tax dollars in 2023.
  • Your entire 2023 annual contribution amount is available to use on January 1st, 2023.
  • Decide on an amount to contribute from each paycheck using this FSA Worksheet and this list of eligible expenses. You can carry up to $610 in unused FSA dollars to use the following year.


BEK Dependent Care FSA

  • Use for daycare, nursery school, pre-school, after school, day camp for eligible children under age 13 or or senior daycare for aging parents.
  • Contribute up to $5,000 pre-tax dollars each calendar year.
  • Decide on an amount to contribute from each paycheck using this FSA Worksheet and this list of eligible expenses.
  • Funds are available as soon as they are deducted from your paycheck.
  • Any unused FSA dollars at the end of the year can be reimbursed to pay for 2023 eligible expenses through March 15th, 2024.

Dental

Coverage from Cigna will make you smile

The BEK Dental Plan from Cigna offers routine dental care, X-rays, basic and major care. Log in to mycigna.com or use the Cigna app to find a dentist and pricing.

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Vision

Regular eye exams screen for common vision problems and other health conditions. Making an eye exam part of your annual routine is a great way to stay healthy. This plan, from MetLife, also covers frames, lenses and contacts.

BACK TO MENU

Life/AD&D

Protects you and your family

Ben E. Keith employees are automatically provided Company-paid life/AD&D insurance of $50,000. BEK Life/AD&D coverage is provided by Lincoln Financial Group. Find life/AD&D rates on dayforcehcm.com.

Choose additional coverage for you and your family including:

  • BEK Employee Supplemental Life/AD&D
    Choose $50,000 to $950,000 in increments of $50,000. Rates are based on the age of the employee as of January 1st. EOI is required if you increase your current coverage by more than $50,000 or for amounts over $300,000.
  • BEK Spouse Life/AD&D
    Choose $50,000 to $250,000 in increments of $50,000. Spouse coverage is available in amounts up to 100% of your Employee Supplemental Life/AD&D coverage but cannot be more than $250,000. EOI (Evidence of Insurability) is required if you increase current coverage to an amount greater than $50,000.
    Find rates on dayforcehcm.com.
  • BEK Child Life/AD&D
    Pay one amount no matter how many children you cover, up to age 26. Each enrolled child will have $10,000 in coverage except from birth to 14 days old, which provides $1,000 in coverage. You may enroll dependent children up to age 26 or older if incapable of self-care due to a mental or physical disability.

BACK TO MENU

Life/AD&D

Protects you and your family

Ben E. Keith employees are automatically provided Company-paid life/AD&D insurance of $50,000. BEK Life/AD&D coverage is provided by Lincoln Financial Group. Find life/AD&D rates on dayforcehcm.com.

Choose additional coverage for you and your family including:

  • BEK Employee Supplemental Life/AD&D
    Choose $50,000 to $950,000 in increments of $50,000. Rates are based on the age of the employee as of January 1st. EOI is required if you increase your current coverage by more than $50,000 or for amounts over $300,000.
  • BEK Spouse Life/AD&D
    Choose $50,000 to $250,000 in increments of $50,000. Spouse coverage is available in amounts up to 100% of your Employee Supplemental Life/AD&D coverage but cannot be more than $250,000. EOI (Evidence of Insurability) is required if you increase current coverage to an amount greater than $50,000.
    Find rates on dayforcehcm.com.
  • BEK Child Life/AD&D
    Pay one amount no matter how many children you cover, up to age 26. Each enrolled child will have $10,000 in coverage except from birth to 14 days old, which provides $1,000 in coverage. You may enroll dependent children up to age 26 or older if incapable of self-care due to a mental or physical disability.

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