Receive $50,000 in BEK Basic Life/AD&D
All full-time Ben E. Keith employees receive $50,000 of Company -paid BEK Basic Life/AD&D. You don’t need to enroll and there is no cost to you.

Vacation
The amount of vacation you receive is based on how long you have worked at Ben E. Keith. Vacation time is added on your anniversary date, and you must use it within the 12 months following your anniversary. Vacation time cannot be carried over from year to year. 

Company-paid holidays
Ben E. Keith observes seven holidays each year. To receive holiday pay, you must work your scheduled days before and after the holiday. 

Personal Holiday
On your 91^st day at Ben E. Keith, you will receive one Company-paid personal day. Thereafter, you’ll receive a personal day each January 1^st to use during the calendar year. Talk to your supervisor before scheduling your day off. Personal days do not carry over from year to year.

On your 90^th day at Ben E, Keith, you will receive one Company-paid personal day. You’ll receive a personal day each January 1^st to be used during the calendar year with the approval of your supervisor. Personal days do not roll over from year to year.

Ben E. Keith is proud that in the past 14 years, we have contributed more than $73.5 million to the Profit Sharing accounts of our employees. We want to help our employees prepare for a strong financial future. Full-time employees with one year of Company service are eligible for Profit Sharing if Ben E. Keith makes a discretionary contribution. 

Plan features

• Your contributions will be automatically invested in a Vanguard Target Date Fund based on your retirement age, but you can choose funds that better fit your investment strategy. You can choose the same (or different) funds for your 401(k) account.
• You can check your investments daily
• Get retirement advice from an Empower Retirement consultant at 1-877-534-4569, Monday through Friday between 8 a.m. and 9 p.m. ET

How vesting works
You are 100% vested in the Ben E. Keith Profit Sharing contributions after six years at BEK.

• 20% after year 2
• 40% after year 3
• 60% after year 4
• 80% after year 5
• 100% after year 6

empowermyretirement.com or 1-833-BEK-SAVE (1-833-235-7283)

Continuing or starting your education with the help of Ben E. Keith Company is a great way to develop your career. 

Ben E. Keith provides full-time employees with six months of service with financial assistance for tuition, fees and books related to qualified degree programs. Ben E. Keith may reimburse you up to a maximum of $5,250 per calendar year when you attend an accredited two- or four-year institution. You must receive a passing grade of C or higher, or receive a “Pass” if the course is “Pass/Fail.”

Find more information here about how to apply and how the program works.

Kick tobacco with QuitLogix – https://helpline.quitlogix.org/en-US or call 1-855-372-0040 to enroll in the tobacco cessation program. 

Visit guidanceresources.com to register or log in using Organization Web ID BEK or call 1-866-517-1267. Spanish-speaking representatives and support are available.

All employees and their dependents can use this no cost, 24/7 confidential resource for many of life’s challenges. Talk to a counselor about relationship and family problems, stress, anxiety and depression, grief and loss, and substance abuse.

• Get a referral and find customized resources for child and elder care, moving/ relocation, pet care, plan for college, repair and sell a house and more
• Attorneys are available to answer questions about legal matters including adoption, real estate, debt, leases, civil and criminal actions
• Financial support for budgeting, debt management, tax issues and other money concerns from on-staff certified public accounts and financial planners

Maternity support – A registered nurse provides you with personalized support throughout pregnancy and delivery, including 24/7 support, educational materials and resources, and complimentary gifts for you and your baby.

As a Ben E. Keith employee, you and your eligible family members can join the BEK Credit Union.

Members have access to:

• Auto, boat, motorcycle and personal watercraft loans and refinancing
• Christmas Club and Vacation Club savings accounts
• Debt consolidation loans
• Credit cards
• Payroll deductions for loans and savings accounts
• Loans for back-to-school, home repairs and more
• Referrals to mortgage loan providers

Go to bekefcu.org or call 1-817-759-6300 for more information.

Enroll in an FSA and stretch your paycheck by using pre-tax dollars to pay for eligible dependent and health care expenses. You can enroll in a dependent care FSA and/or a health care FSA when you enroll in 2023 benefits on dayforcehcm.com.

BEK Dependent Care FSA

• Use for daycare, nursery school, pre-school, after school, day camp or senior daycare.
• Contribute up to $5,000 pre-tax dollars each calendar year.
• Decide on an amount to contribute from each paycheck using the FSA Worksheet.
• Find a list of eligible Dependent Care 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 used until March 15^th, 2024, to pay for 2023 eligible expenses.

BEK Health Care FSA

• If you enroll in the BEK PPO Medical Plan, use your FSA to pay for eligible medical, dental and vision expenses including deductibles, coinsurance, copays, prescriptions and over-the-counter medications.
• Pay for eligible dental and vision expenses (deductibles, coinsurance and copays) if you enroll in the BEK HSA Medical Plan.         
• Contribute up to $2,850 using pre-tax dollars each calendar year.
• Pay with the FSA debit card or submit for reimbursement.
• Your 2023 annual contribution amount will be available to use on the 1^st  day of the month following your 60^th day of employment
• Decide on an amount to contribute from each paycheck using the FSA Worksheet.
• Find a list of eligible Health Care expenses.

Get preventative, basic and major dental care, and X-rays, from both plans. Go to my.cigna.com or use the app to find a dentist.

Cigna at my.cigna.com or 1-800-244-6224 (Download app for Apple / Android)

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 in 2023. The BEK Vision Plan also covers frames, lenses and contacts. Go to metlife.com/mybenefit, download the app or call 1-833-393-5433 to find a provider.

metlife.com/mybenefits or 1-833-393-5433 

All full-time Ben E. Keith employees receive $50,000 of Company-paid BEK Basic Life/AD&D. You don’t need to enroll, and there is no cost to you. You can enroll in additional plans, including supplemental, spouse and child life/AD&D. Find rates on dayforcehcm.com. 

BEK Employee Supplemental Life/AD&D
If you would like your beneficiaries to receive a higher payment amount than the Company-paid life insurance provides, purchase additional life insurance of $50,000 to $950,000 in increments of $50,000. During your initial enrollment, you are guaranteed coverage up to $300,000. After your initial enrollment, Evidence of Insurability (EOI) will be required if you increase your coverage by more than $50,000 or choose coverage amounts greater than $300,000. Rates are based on the age of the employee as of January 1^st. Find rates on dayforcehcm.com. 

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 the BEK Employee Life/AD&D amount but cannot be more than $250,000. Spouse life/AD&D insurance coverage is guaranteed up to $50,000. EOI will be required if you choose coverage amounts 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 do not have to enroll in employee supplemental life/AD&D to cover your children. You may enroll dependent children up to age 26 or older if incapable of self-care due to a mental or physical disability. 

Lincoln Financial Group at mylincolnportal.com Company code BEKCO or 1-888-408-7300

Choose $50,000 to $250,000 in increments of $50,000. Spouse coverage is available in amounts up to 100% of the BEK Employee Life/AD&D amount but cannot be more than $250,000. Spouse life/AD&D insurance coverage is guaranteed up to $50,000. EOI will be required if you choose coverage amounts greater than $50,000. Find rates on dayforcehcm.com.

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 do not have to enroll in employee supplemental life/AD&D to cover your children. You may enroll dependent children up to age 26 or older if incapable of self-care due to a mental or physical disability.

Lincoln Financial Group at mylincolnportal.com or 1-888-408-7300
Company Code BEKCO

Receive $50,000 in BEK Basic Life/AD&D
All full-time Ben E. Keith employees receive $50,000 of Company -paid BEK Basic Life/AD&D. You don’t need to enroll and there is no cost to you.

Vacation
The amount of vacation you receive is based on how long you have worked at Ben E. Keith. Vacation time is added on your anniversary date, and you must use it within the 12 months following your anniversary. Vacation time cannot be carried over from year to year. 

Company-paid holidays
Ben E. Keith observes seven holidays each year. To receive holiday pay, you must work your scheduled days before and after the holiday. 

Personal Holiday
On your 91^st day at Ben E. Keith, you will receive one Company-paid personal day. Thereafter, you’ll receive a personal day each January 1^st to use during the calendar year. Talk to your supervisor before scheduling your day off. Personal days do not carry over from year to year.

On your 90^th day at Ben E, Keith, you will receive one Company-paid personal day. You’ll receive a personal day each January 1^st to be used during the calendar year with the approval of your supervisor. Personal days do not roll over from year to year.

Ben E. Keith is proud that in the past 14 years, we have contributed more than $73.5 million to the Profit Sharing accounts of our employees. We want to help our employees prepare for a strong financial future. Full-time employees with one year of Company service are eligible for Profit Sharing if Ben E. Keith makes a discretionary contribution. 

Plan features

• Your contributions will be automatically invested in a Vanguard Target Date Fund based on your retirement age, but you can choose funds that better fit your investment strategy. You can choose the same (or different) funds for your 401(k) account.
• You can check your investments daily
• Get retirement advice from an Empower Retirement consultant at 1-877-534-4569, Monday through Friday between 8 a.m. and 9 p.m. ET

How vesting works
You are 100% vested in the Ben E. Keith Profit Sharing contributions after six years at BEK.

• 20% after year 2
• 40% after year 3
• 60% after year 4
• 80% after year 5
• 100% after year 6

empowermyretirement.com or 1-833-BEK-SAVE (1-833-235-7283)

Continuing or starting your education with the help of Ben E. Keith Company is a great way to develop your career. 

Ben E. Keith provides full-time employees with six months of service with financial assistance for tuition, fees and books related to qualified degree programs. Ben E. Keith may reimburse you up to a maximum of $5,250 per calendar year when you attend an accredited two- or four-year institution. You must receive a passing grade of C or higher, or receive a “Pass” if the course is “Pass/Fail.”

Find more information here about how to apply and how the program works.

Kick tobacco with QuitLogix – https://helpline.quitlogix.org/en-US or call 1-855-372-0040 to enroll in the tobacco cessation program. 

Visit guidanceresources.com to register or log in using Organization web ID BEK or call 1-866-517-1267. Spanish-speaking representatives and support are available.

All employees and their dependents can use this no cost, 24/7 confidential resource for many of life’s challenges. Talk to a counselor about relationship and family problems, stress, anxiety and depression, grief and loss, and substance abuse.

• Get a referral and find customized resources for child and elder care, moving/ relocation, pet care, plan for college, repair and sell a house and more
• Attorneys are “available” to answer questions about legal matters including adoption, real estate, debt, leases, civil and criminal actions
• Financial support for budgeting, debt management, tax issues and other money concerns from on-staff certified public accounts and financial planners

A registered nurse provides you with personalized support throughout pregnancy and delivery, including 24/7 support, educational materials and resources, and complimentary gifts for you and your baby.

Members have access to:

• Auto, boat, motorcycle and personal watercraft loans and refinancing
• Christmas Club and Vacation Club savings accounts
• Debt consolidation loans
• Credit cards
• Payroll deductions for loans and savings accounts
• Loans for back-to-school, home repairs and more
• Referrals to mortgage loan providers

Go to bekefcu.org or call 1-817-759-6300 for more information.

Enroll in an FSA and stretch your paycheck by using pre-tax dollars to pay for eligible dependent and health care expenses. You can enroll in a dependent care FSA and/or a health care FSA when you enroll in 2023 benefits on dayforcehcm.com.

BEK Dependent Care FSA

• Use for daycare, nursery school, pre-school, after school, day camp for children under 13 or senior daycare for aging parents.
• Contribute up to $5,000 pre-tax dollars.
• Decide on an amount to contribute from each paycheck using the FSA Worksheet.
• Find a list of eligible Dependent Care 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 used until March 15^th, 2024, to pay for 2023 eligible expenses.

BEK Health Care FSA

• If you enroll in the BEK PPO Medical Plan, use your FSA to pay for eligible medical, dental and vision expenses including deductibles, coinsurance, copays, prescriptions and over-the-counter medications.
• Contribute up to $2,850 using pre-tax dollars.
• Pay with the FSA debit card or submit for reimbursement.
• Your 2023 annual contribution amount will be available to use on the 1^st  day of the month following your 30^th day of employment.
• Decide on an amount to contribute from each paycheck using the FSA Worksheet.
• Find a list of eligible Health Care expenses.

Get routine dental care, X-rays and basic or major care. Go to my.cigna.com or use the app to find a dentist and pricing.

Cigna at my.cigna.com or 1-800-244-6224 (Download app for Apple / Android)

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 in 2023. The BEK Vision Plan also covers frames, lenses and contacts. Go to metlife.com/mybenefits, download the app or call 1-833-393-5433 to find a provider.

metlife.com/mybenefits or 1-833-393-5433

All full-time Ben E. Keith employees receive $50,000 of Company-paid BEK Basic Life/AD&D. You don’t need to enroll, and there is no cost to you. You can enroll in additional plans, including supplemental, spouse and child life/AD&D. Find rates on dayforcehcm.com.

BEK Employee Supplemental Life/AD&D
If you would like your beneficiaries to receive a higher payment amount than the Company-paid life insurance provides, purchase additional life insurance of $50,000 to $950,000 in increments of $50,000. During your initial enrollment, you are guaranteed coverage up to $300,000. After your initial enrollment, Evidence of Insurability (EOI) will be required if you increase your coverage by more than $50,000 or choose coverage amounts greater than $300,000. Rates are based on the age of the employee as of January 1^st. Find rates on dayforcehcm.com.

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 the BEK Employee Life/AD&D amount but cannot be more than $250,000. Spouse life/AD&D insurance coverage is guaranteed up to $50,000. EOI will be required if you choose coverage amounts 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 do not have to enroll in employee supplemental life/AD&D to cover your children. You may enroll dependent children up to age 26 or older if incapable of self-care due to a mental or physical disability.

Lincoln Financial Group at mylincolnportal.com Company code BEKCO or 1-888-408-7300

Choose $50,000 to $250,000 in increments of $50,000. Spouse coverage is available in amounts up to 100% of the BEK Employee Life/AD&D amount but cannot be more than $250,000. Spouse life/AD&D insurance coverage is guaranteed up to $50,000. EOI will be required if you choose coverage amounts greater than $50,000. Find rates on dayforcehcm.com.

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 do not have to enroll in employee supplemental life/AD&D to cover your children. You may enroll dependent children up to age 26 or older if incapable of self-care due to a mental or physical disability.

Lincoln Financial Group at mylincolnportal.com or 1-888-408-7300
Company Code BEKCO