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We strive to offer a comprehensive benefits package that enhances the health
and wellbeing for you and your family and ensures you have access to the best
healthcare providers and medical services.
As part of your medical plan enrollment, you receive exclusive access to Garner's
Top Provider search tool that identifies high-quality in-network providers who have a
track record of producing excellent patient outcomes and reviews. Garner empowers
you to make an informed decision on who is the best care team for your unique
medical needs. As an added benefit, when you visit Garner approved providers, your
out-of-pocket costs that qualify will be reimbursed, up to $3,000 for family and
$1,500 for individual plans!
Our medical plans are designed to be SIMPLE. You will only pay a copay (flat fee)
for in-network care and services with no deductibles or co-insurance, helping
eliminate surprise medical bills. This will help you plan and budget for out-of-
pocket costs, making it even easier to get the care you need!
To assist those who take medications for chronic conditions, over 100 prescription drugs
are covered at no cost! Review the 2024 free prescription drug list on pages 15 & 16.
to your
BENEFITS
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Clayto
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BENEFITS CONTACT INFO: benefits@claytonhomes.com // (865) 380-3000 x7400
MEDICAL
PHARMACY
HEALTH CARE & DEPENDENT FSA
DENTAL
LIFE INSURANCE
SHORT & LONG-TERM DISABILITY PAID PARENTAL LEAVE
TOP PROVIDER DIRECTORY
TELEHEALTH
VISION
DIABETES REVERSAL
VOLUNTARY INSURANCE
benefits at a
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IDENTITY THEFT PROTECTION 401(K) ADDITIONAL SUPPORT
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The 2024 Benefits Guide is not intended to act as a Summary Plan Description and does not change
the terms of the plan. In the event this guide conflicts with the terms of the plan, the plan term
governs. Please email benefits@claytonhomes.com to request a copy of Summary Plan Descriptions.
INCREASED GARNER COPAY
REIMBURSEMENTS
Feel confident you and your family are visiting
top-notch medical providers that are in-network and have
availability to see you. Enjoy more rewards when you choose
Garner! When you visit Garner approved providers, your
out-of-pocket costs that qualify will be reimbursed up to
$3,000 for family and $1,500 for individual plans.
Learn more on pages 9-12.
VIRTA PREDIABETES REVERSAL
Now available for prediabetes! Stop type 2 diabetes in its
tracks with Virta's prediabetes care program. Like Virta's
type 2 diabetes reversal, your personalized treatment plan
includes dedicated health coaching, a physician-led care
team, and personalized nutrition plan to help return blood
glucose and A1C to sub-prediabetes levels.
Learn more on pages 13-14.
WORKDAY
Now you can complete your 2024 benefits enrollment
on Workday!
Learn how to enroll on page 5.
ne
for 2024
4
NEW HIRES:
• You must complete your online enrollment before your effective date.
• Benefits are effective on your 31
st
day of employment.
• Late enrollments are not accepted.
LIFE EVENTS:
• You can make changes mid-year if you have a life event (marriage, divorce,
loss of coverage, birth of child, etc.).
• You must complete your online enrollment within 31 days.
• Supporting documents will be required.
OPEN ENROLLMENT:
• Each year you will be given an opportunity to change, elect or drop coverage.
• Changes are effective January 1
st
and will remain in place for one year.
COVERAGE ENDS:
• If you separate with the company, your insurance coverage ends on your last
day of employment.
• If necessary, COBRA information will be mailed to your home address.
ELIGIBLE DEPENDENTS INCLUDE:
• Your legally married spouse.
• Children under age 26: including biological, step children, legally adopted
children, children placed for adoption, and children who you are legally
appointed as guardian or limited guardian (cannot be temporary guardian).
• Disabled children over age 26: an unmarried child who is mentally or physically
disabled and incapable of engaging in self-sustaining employment.
whe
can I enroll?
5
SCAN HERE TO
DOWNLOAD THE
WORKDAY APP!
ho
do I enroll?
NEED ASSISTANCE?
SCAN ONE OF THE QR CODES BELOW
WORKDAY BASICS
(MOBILE APP)
DESKTOP
HOW TO COMPLETE ENROLLMENT
MOBILE APP SPANISH
workday.claytonhomes.com
LOG ON TO
6
DEDUCTIBLE $0 $0
MEDICAL COPAYS
Preventative Care Free Free
Telehealth Free Free
Lab Free Free
ELIGIBLE FOR $0 COPAY AFTER GARNER REIMBURSEMENT
Primary Care Physician $50 $30
OB/GYN $40 $25
Outpatient Therapy (ex. mental health or substance abuse)
$40 $25
Physical, Speech or Occupational Therapy $60 $40
Chiropractor $60 $40
Urgent Care $75 $50
Standard Radiology (ex. x-ray or ultrasound) $90 $60
Specialist $150 $70
Durable Medical Equipment $150 $100
Advanced Imaging (ex. MRI, CAT or PET scan) $600 $240
Outpatient Procedure / Surgery $850 $425
Ambulance $700 $350
Emergency Room $1,000 $500
Inpatient Stay $1,500 / day $750 / day
PHARMACY COPAYS
30-Day Supply
Generic $20 $10
Preferred Brand Name $120 $60
Non-preferred / Specialty $250 $150
90-Day Supply
Generic $50 $25
Preferred Brand Name $300 $150
Non-preferred / Specialty $625 $375
OUT-OF-POCKET MAXIMUMS
Combined Medical and Pharmacy
Out-of-Pocket Max
$6,000 per individual or
$12,000 combined
family max
$4,000 per individual or
$8,000 combined
family max
WEEKLY PREMIUMS
Team Member Only $23.98 $46.12
Team Member + Spouse $52.78 $99.06
Team Member + Child(ren) $43.17 $80.91
Team Member + Family $71.95 $115.71
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
compariso
medical plan
*WITH
GARNER
Please note: if the service or prescription charge is lower than the copay, you will pay the lesser amount. *Up to $3,000 for family and $1,500
for individual plans. See pages 9 - 12 to learn more about how these copays can qualify for reimbursement through your Garner Benefit.
7
ENROLLMENT GROUP WEEKLY PREMIUM
Team Member Only $23.98
Team Member + Spouse $52.78
Team Member + Child(ren) $43.17
Team Member + Family $71.95
IN-NETWORK OUT-OF-NETWORK
DEDUCTIBLE
$0
$5,000 per individual or
$10,000 combined family max
MEDICAL COPAYS
Preventative Care Free
40% after deductible
Telehealth Free
Lab Free
*WITH GARNER
Primary Care Physician $50 $0
OB/GYN $40 $0
Outpatient Therapy (ex. mental health or
substance abuse)
$40 $0
Physical, Speech or Occupational Therapy $60 $0
Chiropractor $60 $0
Urgent Care $75 $0
Standard Radiology (ex. x-ray or ultrasound) $90 $0
Specialist $150 $0
Durable Medical Equipment $150 $0
Advanced Imaging (ex. MRI, CAT or PET scan) $600 $0
Outpatient Procedure / Surgery $850 $0
Ambulance $700 $700
Emergency Room $1,000 $1,000
Inpatient Stay $1,500 / day 40% after deductible
PHARMACY COPAYS
30-Day Supply
Generic $20
Not CoveredPreferred Brand Name $120
Non-preferred / Specialty $250
90-Day Supply
Generic $50
Not CoveredPreferred Brand Name $300
Non-preferred $625
OUT-OF-POCKET MAXIMUMS
Combined Medical and Pharmacy
Out-of-Pocket Max
$6,000 per individual or
$12,000 combined
family max
$10,000 per individual or
$20,000 combined
family max
ELIGIBLE FOR GARNER
REIMBURSEMENT
*Up to $3,000 for family and $1,500 for individual plans. See pages 9 - 12 to learn more about how these copays can qualify for
reimbursement through your Garner Benefit.
8
IN-NETWORK OUT-OF-NETWORK
DEDUCTIBLE
$0
$3,000 per individual or
$6,000 combined family max
MEDICAL COPAYS
Preventative Care Free
40% after deductible
Telehealth Free
Lab Free
*WITH GARNER
Primary Care Physician $30 $0
OB/GYN $25 $0
Outpatient Therapy (ex. mental health or
substance abuse)
$25 $0
Physical, Speech or Occupational Therapy $40 $0
Chiropractor $40 $0
Urgent Care $50 $0
Standard Radiology (ex. x-ray or ultrasound) $60 $0
Specialist $70 $0
Durable Medical Equipment $100 $0
Advanced Imaging (ex. MRI, CAT or PET scan) $240 $0
Outpatient Procedure / Surgery $425 $0
Ambulance $350 $350
Emergency Room $500 $500
Inpatient Stay $750 / day 40% after deductible
PHARMACY COPAYS
30-Day Supply
Generic $10
Not CoveredPreferred Brand Name $60
Non-preferred / Specialty $150
90-Day Supply
Generic $25
Not CoveredPreferred Brand Name $150
Non-preferred $375
OUT-OF-POCKET MAXIMUMS
Combined Medical and Pharmacy
Out-of-Pocket Max
$4,000 per individual or
$8,000 combined
family max
$4,000 per individual or
$8,000 combined
family max
ENROLLMENT GROUP WEEKLY PREMIUM
Team Member Only $46.12
Team Member + Spouse $99.06
Team Member + Child(ren) $80.91
Team Member + Family $115.71
ELIGIBLE FOR GARNER
REIMBURSEMENT
*Up to $3,000 for family and $1,500 for individual plans. See pages 9 - 12 to learn more about how these copays can qualify for
reimbursement through your Garner Benefit.
9
GARNER
Garner empowers you to make an informed decision on who are the best in-network
providers for your unique medical needs. Access to Garner’s Top Provider search tool is
free for Team Members and family enrolled in the Clayton medical plan.
Garner has compiled and analyzed the largest medical claims database in the United States
to objectively identify the top 20% of all providers.
TOP PROVIDERS HAVE SHOWN TO:
Practice based on latest medical research
Successfully diagnose problems
Get the highest patient satisfaction ratings
Produce the best patient outcomes
GET REWARDED WITH GARNER!
Garner reimburses your out-of-pocket costs that qualify,
up to $3,000 for family and $1,500 for individual plans
when you see Garner approved providers!
for Team Members and family
on the Clayton medical plan!
Fre
GARNER CONTACT INFO
mygarnerguide.com // (866) 761-9586
Message the Concierge in the app!
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Increased Garner Benefit for 2024!
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GARNER
GARNER CONTACT INFO
mygarnerguide.com // (866) 761-9586
Message the Concierge in the app!
TOP PROVIDERS
Top Providers are the best-performing medical professionals that Garner has identified
through an analysis of over 60 billion medical records that represent more than 310 million
unique patients. Top Providers are the top 20% of all providers in the industry. They are
highlighted in the Garner Health app with a green Top Provider badge and represent the
best available doctors near you who are in your network and have appointment availability.
When you choose to visit Garner approved providers, all copays for qualified visits and
services will be reimbursed up to $3,000 for family and $1,500 for individual plans.
Eligible Providers:
Primary Care Provider
Pediatrician
Specialist (ex. Orthopedist, Cardiologist,
or Oncologist)
Imaging or Lab Work
Physical Therapist
Urgent Care Clinic
Advanced Imaging (MRI or CT scan)
Mental Health Therapist
Garner has no financial relationships with doctors. Recommendations are based solely on
independent analysis, not commissions or fees. Garner does not reimburse prescriptions,
emergency room visits, or services covered by your dental or vision insurance.
Always ensure your provider is added to your Garner approved providers
list prior to your medical visit in order to qualify for reimbursement.
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SEARCH TOP PROVIDERS
You must always ensure your doctor is added to your Garner approved providers list before you
see them to qualify for copay reimbursement. Copays will not be eligible for reimbursement for
any date of service prior to adding your provider to your approved providers list.
How to add Top Providers to your approved providers list on your family account:
• Search providers by symptom, procedure, specialty, condition or provider's name.
• Click a doctor's name with the Top Provider badge
• Look for a green banner that states "Approved for your Garner Benefit".
Now you're all set! All qualified visits for you and your covered family members will be eligible
for your Garner copay reimbursement! To see a list of providers on your family account, go to
Settings and click "Approved Providers".
GET REWARDED!
Up to $1,500 for individuals and $3,000 for families on the Clayton medical plan!
When you visit Garner approved providers, your out-of-pocket copays for qualified
visits are automatically reimbursed. No documentation necessary! Your reimbursement
check will arrive in the mail approximately 6 to 8 weeks after your visit.
Before you seek medical care, connect with Garner! Use Garner when you need a new
provider or to verify your current medical team meets Garner's high-quality metrics.
Follow these instructions to take advantage of your Garner benefit.
SIGN UP
SCAN
TO GET
STARTED
Visit mygarnerguide.com
Download the Garner Health App for the best experience
benefi
your garner
CLICK "CREATE AN ACCOUNT" & ENTER ORGANIZATION NAME:
Cigna Medical Plan: Clayton Homes - Cigna
BCBS Medical Plan: Clayton Homes - BCBS
OR
GARNER CONCIERGE
Garner provides all members with access to a Garner Concierge who is available
to help you find providers, answer questions about your account, and navigate the
healthcare system.
AVAILABLE: Monday – Friday • 8 am – 8 pm Eastern
• Visit mygarnerguide.com
• Email concierge@getgarner.com
• Download the Garner Health mobile app
• Call (866) 761-9586
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How does Garner identify Top Providers?
Garner has compiled the largest medical claims database in the nation to identify the top
20% of all providers in the United States. These Top Providers have shown to practice latest
medical research, successfully diagnose and treat problems, and get the highest patient
satisfaction ratings.
Are recommended Top Providers in-network with my health plan?
Garner will recommend Top Providers that are in-network. However, since providers change
networks on occasion, we recommend verifying before your visit.
Does everyone on my plan need an account?
Your family only needs one account. However, any dependent over the age of 18 who is on
your health plan is welcome to create their own account.
Will lab work, imaging, and medical equipment be covered?
As long as the service is covered in-network by our medical health insurance plan, Garner will
reimburse your out-of-pocket medical costs for services ordered by an approved provider or
conducted at an eligible facility recommended to you by Garner prior to the visit.
How are medical claims reimbursed?
When you receive care from a Garner approved provider, pay your upfront copays as usual.
After your health insurance company processes the claim, Garner will reimburse your
qualifying out-of-pocket medical costs. You will receive a check in the mail approximately 6
to 8 weeks after your visit.
IMPORTANT: Can I use my Health Care FSA dollars to pay for copays?
You may need to reconsider how much you elect to contribute to your Health Care FSA
account for 2024. Since Garner will reimburse out-of-pocket copays, you may not need to
contribute the same amount to your FSA as you historically have.
Due to IRS regulations, you are not able to use FSA dollars to pay for medical expenses that
will be reimbursed by Garner.
experienc
your garner
GARNER CONTACT INFO
mygarnerguide.com // (866) 761-9586
Message the Concierge in the app!
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Virta is a virtual clinic that helps members manage or reverse
type 2 diabetes and prediabetes. Virta uses food as medicine
and teaches members how to eat their way to better health
with a nutrition plan made just for them.
VIRTA
Type 2 Diabetes Reversal
VIRTA CONTACT INFO
virtahealth.com/join/clayton // (844) 847-8216
the ap!
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for Team Members and family on
the Clayton medical plan with type
2 diabetes or prediabetes who are
18 to 79 years old.
Fre
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ELIGIBILITY
Team Members, spouses and
dependents who are 18 to 79
years old
Must be enrolled in the Clayton
medical plan
For individuals diagnosed with
type 2 diabetes (A1C of 6.5%
or higher)
NEW FOR 2024! Reverse Prediabetes
For individuals diagnosed with
prediabetes (A1C of 5.7% - 6.4%)
WHAT'S INCLUDED:
• Personalized treatment plan
• Physician-led care team
• Starter kit including meters, strips and connected scale
• Unlimited access to your dedicated health coach
• Patient community to connect with others on the Virta program
• Personalized nutrition program plus meal plans, recipes and grocery guides
VIRTA
Type 2 Diabetes Reversal
the ap!
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VIRTA CONTACT INFO
virtahealth.com/join/clayton // (844) 847-8216
To learn more or enroll, visit
virtahealth.com/join/clayton
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In an effort to assist Team Members and their families who take essential medications for chronic conditions,
the below list of drugs are completely free to you and any covered dependents as part of your medical plan
in 2024. These drugs are free when you fill a 30 or 90 day supply through a retail or mail order pharmacy.
RESPIRATORY DEPRESSION
CHOLESTEROL
LOWERING
DIABETES
Albuterol (HFA,
nebulizer solution, oral)
Arformoterol
Budesonide Oral
Inhalation
Cromolyn Nebulizer
Solution
Formoterol
Ipratropium/Albuterol
Nebulizer Solution
Ipratropium Nebulizer
Solution
Levabuterol Nebulizer
Solution
Metaproterenol
Montelukast
Terbutaline Oral
Theophylline
Wixela Inhub
Zafirlukast
Zileuton Er
Citalopram
Escitalopram
Fluoxetine
Fluvoxamine
Paroxetine
Paroxetine Er
Sertraline
HMG-COA REDUCTASE
INHIBITORS
______________________
Atorvastatin
Fluvastatin
Lovastatin
Pravastatin
Rosuvastatin
Simvastatin
OTHER CHOLESTEROL
LOWERING AGENTS
_______________________
Amlodipine/Atorvastatin
Cholestyramine
Cholestyramine Light
Colesevelam
Colestipol
Ezetimibe
Ezetimibe/Simvastatin
Fenofibrate
Fenofibric Acid
Gemfibrozil
Niacin
Prevalite
Acarbose
Generic Lancet
Generic Needles
Generic Syringe
Glimepiride
Glipizide Er
Glipizide/Metformin
Glyburide
Glyburide/Metformin
Metformin
Metformin Er
Miglitol
Nateglinide
Pioglitazone
Pioglitazone/Glimepiride
Pioglitazone/Metformin
Repaglinide
Repaglinide/Metformin
BONE DISEASE DENTAL
HEART DISEASE
AND STROKE
COLORECTAL
Alendronate
Ibandronate
Raloxifene
Risedronate
Zoledronic Acid 5mg
Periomed
Sodium Fluoride
(Rinse, Gel, Cream,
Paste, Tabs, Drops)
BLOOD THINNERS
_______________________
Aspirin 325 mg
Aspirin 81mg
Aspirin-Dipyridamole Er
Clopidogrel
Dipyridamole
Prasugrel
Warfarin
COLONOSCOPY PREP
_______________________
Gavilyte-C
Gavilyte-G
Gavilyte-N
Polyethylene Glycol
Trilyte
fre
prescription
drug list
2
0
2
4
2
0
2
4
16
Please note, these are in addition to any prescriptions that are free under the Affordable Care Act (ACA).
This list is subject to change at any time. For the most up to date information, contact Express Scripts at (855) 634-0226.
HIGH BLOOD PRESSURE
TOBACCO
CESSATION
ACE INHIBITORS
Benazepril
Captopril
Enalapril
Fosinopril
Lisinopril
Moexipril
Perindopril
Quinapril
Ramipril
Trandolapril
ACE INHIBITORS/
DIURETIC
COMBINATIONS
Benazepril/Hctz
Captopril/Hctz
Enalapril/Hctz
Fosinopril/Hctz
Lisinopril/Hctz
Moexipril/Hctz
Quinapril/Hctz
ANGIOTENSIN II
RECEPTOR
ANTAGONISTS
Candesartan
Eprosartan
Irbesartan
Losartan
Olmesartan
Telmisartan
Valsartan
ANGIOTENSIN II
RECEPTOR
ANTAGONISTS/
DIURETIC
COMBINATIONS
Candesartan/Hctz
Irbesartan/Hctz
Losartan/Hctz
Olmesartan/Hctz
Telmisartan/Hctz
Valsartan/Hctz
BETA BLOCKERS
Acebutolol
Atenolol
Betaxolol
Bisoprolol
Metoprolol Succinate Er
Metoprolol Tartrate
Nadolol
Pindolol
Propranolol
Propranolol Er
Timolol
BETA BLOCKERS/
DIURETIC
COMBINATIONS
Atenolol/Chlorthalidone
Bisoprolol/Hctz
Metoprolol/Hctz
Nadolol/
Bendroflumethiazide
Propranolol/Hctz
CALCIUM CHANNEL
BLOCKERS
Amlodipine
Cartia Xt
Diltiazem
Diltiazem Cd
Diltiazem Er
Felodipine Er
Isradipine
Matzim La
Nicardipine
Nifedipine Er
Nisoldipine Er
Tiadylt Er
Taztia Xt
Verapamil
Verapamil Er
Verapamil Er PM
Verapamil Sr
OTHER HIGH
BLOOD PRESSURE
COMBINATIONS
Amlodipine/Atorvastatin
Amlodipine/Benazepril
Amlodipine/Olmesartan
Amlodipine/
Olmesartan/Hctz
Amlodipine/Telmisartan
Amlodipine/Valsartan
Amlodipine/Valsartan/
Hctz
Trandolapril/Verapamil
Bupropion Sr 150mg
Nicotine Gum
Nicotine Lozenges
Nicotine Patches
MALARIA
Atovaquione/Proguanil
Chloroquine
Mefloquine
Primaquine
VITAMINS
Generic Pediatric
Multivitamins with
Flouride
Folic Acid
Generic Prenatal
OBESITY
Benzphetamine
Diethylpropion
Phendimetrazine
Phentermine
DIURETICS
Chlorothiazide
Chlorthalidone
Hydrochlorothiazide
Indapamide
Metolazone
the ap!
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EXPRESS SCRIPTS CONTACT INFO
express-scripts.com // (855) 634-0226
17
TELEMEDICINE
GET STARTED!
Register for an account before you need care.
Download the MDLive or Teladoc app.
Register for an account.
(Make sure to have your insurance ID card available.)
24/7 ACCESS to board certified doctors from where it’s most convenient
for you – home, office or on the go! Day or night, weekends and holidays!
COMMON CONDITIONS TREATED:
• Cold & flu symptoms
• Ear infections
• Fevers
• Respiratory & sinus issues
• Behavioral & mental health
Telehealth is not appropriate for every
medical condition and should not be used in
the event of a medical emergency. In case
of a medical emergency, you should dial 911
immediately. State restrictions may apply.
MDLIVE (CIGNA MEDICAL PLANS)
mdliveforcigna.com // (888) 726-3171
TELADOC (BCBS MEDICAL PLANS)
teladoc.com/alabama // (855) 477-4549
the aps!
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for Team Members and family
enrolled in the Clayton
medical plan!
Fre
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ACCIDENT, HOSPITAL
INDEMNITY & CRITICAL
ILLNESS INSURANCE
Accidents, hospitalizations, and critical illnesses can happen unexpectedly
and be financially challenging. These coverages pay you a benefit determined
by the plan you select and the health event to provide you and your family
financial assistance during unforeseen health matters.
Keep in mind, these plans are not health insurance, but rather a supplement to
your existing medical plan. No underwriting is required.
HERE ARE A FEW EXAMPLES OF HOW ACCIDENT,
HOSPITAL INDEMNITY AND CRITICAL ILLNESS
INSURANCE BENEFITS COULD BE USED:
• Medical expenses, such as
copays or prescriptions
• Home healthcare costs
• Lost income due to missed
time at work
• Everyday expenses like
utilities and groceries
VOYA CONTACT INFO
presents.voya.com/ebrc/claytonhomes // (877) 236-7564
the ap!
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By enrolling in any of the VOYA plans, you and any covered dependents can each
get paid $50 annually simply by completing one recommended health exam. To
receive the $50 payment per individual, submit a claim through VOYA within 60 days
of your visit. You can set up direct deposit or elect a check to be mailed to your home
address within 1-2 weeks.
If you have coverage under more than one of these plans benefits, the annual health
screening benefit payment is included on all three plans!
Please note, each covered individual may only receive a $50 payment once annually
per line of coverage, even if you complete multiple health screenings. There is a $200
maximum child payment allowed per line of coverage.
FOR EXAMPLE:
If you, your spouse, and two children are covered under one of these benefits and each
complete a covered health screening, that’s $200 that will be paid to you – regardless if
the actual visit cost anything out-of-pocket!
FOR EXAMPLE:
If you, your spouse, and two children are covered under accident, critical illness, and
hospital that’s $600 of benefit if everyone completes a covered annual health screening!
Get paid for completing your preventative care visits!
EXAMPLES OF COVERED HEALTH SCREENINGS
• Mammography
• Colonoscopy
• Stress test
• Fasting blood glucose
• Prostate cancer screening
• Hearing test
• Routine eye exam
• Routine dental exam
• Well child/preventative exams
through age 18
• Biometric screening
• Adult annual physical
• COVID-19 test or vaccine
PREVENTATIVE CARE
VOYA CONTACT INFO
presents.voya.com/ebrc/claytonhomes // (877) 236-7564
the ap!
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LOW PLAN WEEKLY PREMIUMS
Team Member
Only
Team Member
+
Spouse
Team Member
+
Child(ren)
Team Member
+
Family
$1.15 $2.46 $2.94 $4.25
HIGH PLAN WEEKLY PREMIUMS
Team Member
Only
Team Member
+
Spouse
Team Member
+
Child(ren)
Team Member
+
Family
$2.04 $3.98 $4.63 $6.57
ACCIDENT INSURANCE
VOYA CONTACT INFO
presents.voya.com/ebrc/claytonhomes // (877) 236-7564
the ap!
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Accidents can result in unplanned medical expenses. While our medical plans offer
set copays allowing you to know exactly what you will pay, other expenses are still
associated with an accident that you may have not budgeted for such as an ambulance
ride, ER visit, x-ray and follow up treatments. By enrolling in Accident coverage,
you will receive a lump sum payment per covered medical service administered
in connection with a covered accident that occurs on or after the effective date of
coverage. The benefit amount payable depends on the type of injury and care received.
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Please note, you may be required to seek care for your injury within a set amount of time.
For a list of exclusions and limitations, email benefi[email protected]om or contact VOYA.
To file a claim visit presents.voya.com/ebrc/claytonhomes.
Contact VOYA with any questions at (877) 236-7564.
Sports Accident Benefit: If your accident occurs while participating in an organized sporting activity
as defined by VOYA; the accident hospital care, accident care or common injuries benefit will be
increased by 25%; to a maximum additional benefit of $1,000.
EVENT
LOW PLAN HIGH PLAN
Hospital Care
Surgery open abdominal, thoracic $800 $1,200
Surgery exploratory or without repair $125 $175
Blood, plasma, platelets $400 $600
Hospital admission $1,000 $1,250
Hospital confinement per day, up to 365 days $300 $375
Critical care unit confinement per day, up to 15 days $475 $600
Rehabilitation facility confinement per day, up to 90 days $125 $200
Coma duration of 14 or more days $11,500 $17,000
Transportation per trip, up to three per accident $500 $750
Lodging per day, up to 30 days $120 $180
Accident Care
Initial doctor visit $60 $90
Urgent care facility treatment $250 $250
Emergency room treatment $250 $250
Ground ambulance $350 $700
Air ambulance $1,000 $1,500
Follow-up doctor treatment $60 $90
Chiropractic treatment, up to six per accident $30 $45
Medical equipment $100 $150
Physical or occupational therapy, up to six per accident $30 $45
Speech therapy, up to 6 per accident $30 $45
Prosthetic device (one) $500 $750
Prosthetic device (two or more) $800 $1,200
Major diagnostic exam $200 $400
Outpatient surgery (one per accident) $150 $225
X-ray $60 $90
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Common Injuries
LOW PLAN HIGH PLAN
Burns second degree, at least 36% of the body $1,000 $1,250
Burns third degree, at least nine but less than 35 square
inches of the body
$4,500 $7,500
Burns third degree, 35 or more square inches of the
body
$10,000 $15,000
Skin grafts 25% of the burn benefit 25% of the burn benefit
Emergency dental work
$250 crown,
$60 extraction
$350 crown,
$90 extraction
Eye injury removal of foreign object $60 $100
Eye injury surgery $225 $350
Torn knee cartilage surgery with no repair or if
cartilage is shaved
$150 $225
Torn knee cartilage surgical repair $500 $800
Laceration
1
treated no sutures $20 $30
Laceration
1
sutures up to 2” $40 $60
Laceration
1
sutures 2” – 6” $160 $240
Laceration
1
sutures over 6” $400 $800
Ruptured disk surgical repair $500 $800
Tendon/ligament/rotator cuff exploratory
arthroscopic surgery with no repair
$275 $425
Tendon/ligament/rotator cuff one, surgical repair $550 $825
Tendon/ligament/rotator cuff two or more, surgical
repair
$800 $1,225
Concussion $600 $500
Paralysis - paraplegia $10,750 $16,000
Paralysis - quadriplegia $16,000 $24,000
Dislocations
Closed/open
reduction
2
Closed/open
reduction
2
Hip joint $2,550/$5,100 $4,000/$8,000
Knee $1,600/$3,200 $3,000/$6,000
Ankle or foot bone(s), other than toes $1,000/$2,000 $1,800/$3,600
Shoulder $1,000/$2,000 $2,200/$4,400
Elbow $750/$1,500 $1,500/$3,000
Wrist $750/$1,500 $1,500/$3,000
Finger/toe $175/$350 $350/$700
Hand bone(s), other than fingers $750/$1,500 $1,500/$3,000
Lower jaw $750/$1,500 $1,500/$3,000
Collarbone $750/$1,500 $1,500/$3,000
Partial dislocations
25% of the closed
reduction amount
25% of the closed
reduction amount
ACCIDENT INSURANCE
COVERAGE CONTINUED
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LOW PLAN HIGH PLAN
Dislocations
Closed/open
reduction
2
Closed/open
reduction
2
Hip joint $2,550/$5,100 $4,000/$8,000
Knee $1,600/$3,200 $3,000/$6,000
Ankle or foot bone(s), other than toes $1,000/$2,000 $1,800/$3,600
Shoulder $1,000/$2,000 $2,200/$4,400
Elbow $750/$1,500 $1,500/$3,000
Wrist $750/$1,500 $1,500/$3,000
Finger/toe $175/$350 $350/$700
Hand bone(s), other than fingers $750/$1,500 $1,500/$3,000
Lower jaw $750/$1,500 $1,500/$3,000
Collarbone $750/$1,500 $1,500/$3,000
Partial dislocations
25% of the closed
reduction amount
25% of the closed
reduction amount
Fractures
Closed/open
reduction
3
Closed/open
reduction
3
Hip $2,000/$4,000 $5,000/$10,000
Leg $1,500/$3,000 $2,800/$5,600
Ankle $1,200/$2,400 $2,500/$5,000
Kneecap $1,200/$2,400 $2,500/$5,000
Foot, excluding toes & heel $1,200/$2,400 $2,500/$5,000
Upper arm $1,400/$2,800 $2,750/$5,500
Forearm, hand, wrist except fingers $1,200/$2,400 $2,500/$5,000
Finger, toe $160/$320 $400/$800
Vertebral body $2,240/$4,480 $4,200/$8,400
Vertebral processes $960/$1,920 $2,000/$4,000
Pelvis, except coccyx $2,250/$4,500 $4,000/$8,000
Coccyx $200/$400 $500/$1,000
Bones of face, except nose $800/$1,600 $1,400/$2,800
Nose $400/$800 $750/$1,500
Upper jaw $1,000/$2,000 $1,750/$3,500
Lower jaw $960/$1,920 $2,000/$4,000
Collarbone $960/$1,920 $2,000/$4,000
Rib or ribs $300/$600 $600/$1,200
Skull – simple, except bones of face $1,000/$2,000 $1,750/$3,500
Skull – depressed, except bones of face $2,000/$4,000 $5,000/$10,000
Sternum $240/$480 $500/$1,000
Shoulder blade $1,200/$2,400 $2,500/$5,000
Chip fractures
25% of the closed
reduction amount
25% of the closed
reduction amount
1. Laceration benefits are a total of all lacerations per accident.
2. Closed reduction of dislocation = Non-surgical reduction of a completely separated joint.
Open reduction of dislocation = Surgical reduction of a completely separated joint.
3. Closed reduction of fracture = Non-surgical. Open reduction of fracture = Surgical.
ACCIDENT INSURANCE COVERAGE CONTINUED
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HIGH PLAN
COVERAGE TYPE WEEKLY PREMIUMS
Team Member Only $3.70
Team Member + Spouse $9.05
Team Member + Child(ren) $6.94
Team Member + Family $12.29
COVERED BENEFITS LOW PLAN HIGH PLAN
HOSPITAL ADMISSION
An admission benefit is payable for the first day of hospital
confinement, once per confinement.
$750 $1,500
HOSPITAL CONFINEMENT
A daily confinement benefit is payable for up to 10 days per
confinement, beginning on day 2 of confinement.
$100 $100
CRITICAL CARE UNIT (CCU) CONFINEMENT
A daily confinement benefit is payable for up to 10 days per
confinement, beginning on day 2 of confinement.
$200 $200
REHABILITATION FACILITY CONFINEMENT
A daily confinement benefit is payable for up to 10 days per
confinement, beginning on day 2 of confinement.
$50 $50
OBSERVATION UNIT DAILY BENEFIT
A benefit is payable up to 4 days per calendar year, for
admission to a hospital observation unit for at least 4
consecutive hours other than as an inpatient.
$350 $700
For a list of exclusions and limitations, contact VOYA.
HOSPITAL INDEMNITY
Hospital Indemnity coverage can provide financial protection by paying you an
admission benefit, plus a fixed daily rate, if you have a covered stay in the hospital,
critical care unit, or rehabilitation facility on or after the effective date of coverage.
There are two plan options for you to choose from to best suit your needs.
Expecting a baby in 2024? Consider Hospital Indemnity coverage. You would receive
the hospital admission benefit, a fixed daily confinement rate based on the number of
days you are in the hospital (starting with day 2), plus a $100 newborn benefit.
The below list is a summary of benefits provided under Hospital Indemnity coverage.
VOYA CONTACT INFO
presents.voya.com/ebrc/claytonhomes // (877) 236-7564
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LOW PLAN
COVERAGE TYPE WEEKLY PREMIUMS
Team Member Only $2.55
Team Member + Spouse $6.05
Team Member + Child(ren) $4.77
Team Member + Family $8.27
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The below list is a summary of benefits provided under Critical Illness coverage.
BASE BENEFIT
ENHANCED CANCER BENEFIT
MAJOR ORGAN BENEFIT
• Heart attack* 100%
• Major organ transplant** 100%
• Cancer 100%
• Stroke 100%
• Coronary artery bypass 100%
• Carcinoma in situ (25% of Critical
Illness benefit amount)
• Benign brain tumor 100%
• Bone marrow transplant (25% of
Critical Illness benefit)
• Skin cancer (10% of Critical Illness benefit)
• Stem cell transplant (25% of Critical
Illness benefit)
• Transient ischemic attacks (TIA)
(25% of Critical Illness benefit)
• Ruptured or dissecting aneurysm
(10% of Critical Illness benefit)
• Abdominal aortic aneurysm
(10% of Critical Illness benefit)
• Thoracic aortic aneurysm
(10% of Critical Illness benefit)
• Open heart surgery for valve
replacement or repair
(25% of Critical Illness benefit)
• Severe burns 100%
• Transcatheter heart valve replacement
or repair (10% of Critical Illness benefit)
• Coronary angioplasty (10% of Critical
Illness benefit)
• Implantable/internal cardioverter
defibrillator (ICD) placement (25% of
Critical Illness benefit)
• Pacemaker placement (10% of Critical
Illness benefit)
* A sudden cardiac arrest is not in itself considered a heart attack.
** Major organ transplant means the irreversible failure of your heart, lung, pancreas, entire kidney or liver, or any combination
thereof, determined by a physician specialized in care of the involved organ in addition to being placed on the UNOS list.
COVERAGE OPTIONS
Team Member $10,000, $20,000 or $30,000
Spouse $5,000, $10,000 or $15,000 – not to exceed 50% of Team Member's elected coverage
Child(ren) $5,000, $10,000 or $15,000 – not to exceed 50% of Team Member's elected coverage
CRITICAL ILLNESS
Being diagnosed with a critical illness can be devastating, both personally and financially.
Enrolling in Critical Illness insurance coverage would pay a percentage of your benefit
amount selected if you or a covered family member is diagnosed with a covered illness or
condition on or after the effective date of coverage. The benefit amount payable depends
on the type of illness or condition and the coverage amount you purchase.
You can receive a benefit more than once. Each condition below is payable up to four
times. For instance, if you had a covered heart attack in 2024, then had a second heart
attack more than six months later, both events could be payable.
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QUALITY OF LIFE
BENEFIT
• Permanent paralysis 100%
• Coma 100%
• Multiple sclerosis 100%
• Amyotrophic lateral sclerosis (ALS)
(50% of Critical Illness benefit)
• Infectious disease (ex. COVID-19, sepsis,
or bacterial pneumonia) if confined to a
hospital for 5+ days or a transitional facility
for 14+ days (10% of Critical Illness benefit)
• Parkinson’s disease 100%
• Advanced dementia, including
Alzheimer’s disease 100%
ADDITIONAL CHILD
DISEASE BENEFIT
• Cerebral palsy 100%
• Niemann-Pick disease 100%
• Congenital birth defects 100%
• Pompe disease 100%
• Cystic fibrosis 100%
• Type IV glycogen storage disease 100%
• Down syndrome 100%
• Infantile Tay-Sachs 100%
• Gaucher disease, type II or III 100%
CHILD(REN) COVERAGE
WEEKLY PREMIUMS
Coverage
Amount
Rate
$5,000 $0.40
$10,000 $0.81
$15,000 $1.21
TEAM MEMBER ONLY COVERAGE
WEEKLY PREMIUMS
SPOUSE COVERAGE
WEEKLY PREMIUMS
Age $10,000 $20,000 $30,000 Age $5,000 $10,000 $15,000
Under 25 $0.44 $0.88 $1.32 Under 25 $0.22 $0.44 $0.66
25-29 $0.53 $1.06 $1.59 25-29 $0.27 $0.53 $0.80
30-34 $0.78 $1.57 $2.35 30-34 $0.39 $0.78 $1.18
35-39 $0.95 $1.89 $2.84 35-39 $0.47 $0.95 $1.42
40-44 $2.03 $4.06 $6.09 40-44 $1.02 $2.03 $3.05
45-49 $4.20 $8.40 $12.60 45-49 $2.10 $4.20 $6.30
50-54 $5.01 $10.02 $15.02 50-54 $2.50 $5.01 $7.51
55-59 $6.12 $12.23 $18.35 55-59 $3.06 $6.12 $9.17
60-64 $7.94 $15.88 $23.82 60-64 $3.97 $7.94 $11.91
65-69 $8.08 $16.15 $24.23 65-69 $4.04 $8.08 $12.12
70+ $10.43 $20.86 $31.29 70+ $5.22 $10.43 $15.65
Cost based on your age
as of 1/1/2024.
Cost based on age of spouse
as of 1/1/2024.
VOYA CONTACT INFO
presents.voya.com/ebrc/claytonhomes // (877) 236-7564
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What are common examples of
qualifed medical expenses?
A Health Care FSA will usually cover expenses
such as copays, eye glasses or contact
lenses, dental work and orthodontia, medical
equipment, hearing aids or chiropractic care.
Many over the counter drugs*, such as cold and
allergy medicines, pain relievers and antacids,
can also be reimbursed through an FSA.
(*Rx may be required)
How do I access my FSA funds?
You will receive a debit card to access your
FSA funds. Keep in mind, you may need to
submit documentation of the purchase to
Optum Financial. You can also pay for eligible
expenses with any other form of payment and
request reimbursement from your account.
How can I find my account balance
and review transactions?
Account balance and claims status information is
available by using the mobile app or logging on
to your online account. Your mobile and online
accounts are secure and updated in real time.
Can I change my contribution
throughout the year?
Once an election for the FSA has been
made, you cannot change the amount unless
you have a qualifying life event.
(ex. marriage, birth, etc.)
What happens if I do not spend all my
FSA funds by year end?
FSAs are a use it or lose it account. You can
only roll over $610 into the next calendar year.
Therefore, consider your expected medical
and Rx costs before selecting your FSA
annual contribution.
What happens if I leave the company?
You are eligible to be reimbursed only for
services that were incurred before your
termination date, but you can request
reimbursement for these expenses through the
end of the calendar year.
A Health Care Flexible Spending Account (FSA) provides you the ability to set aside pre-tax
dollars to pay for qualified medical expenses. You choose how much money to contribute to
your FSA, within certain limits.
With Garner, you may not need to contribute as
much to your health care FSA.
Due to IRS regulations you are not able to use FSA dollars to pay for medical expenses
that will be reimbursed by Garner. If you are seeing a Garner approved provider, please
pay the out-of-pocket copays with dollars outside of your FSA and wait to be reimbursed
by Garner. You may need to re-evaluate how much you contribute to your FSA plan.
HEALTH CARE
Flexible Spending Account
OPTUM FINANCIAL CONTACT INFO
secure.optumfinancial.com // (833) 229-4432
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Please note, you can only use funds in your health care FSA
to pay for qualified medical expenses you incur in 2024.
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DEPENDENT CARE
Flexible Spending Account
A Dependent Care FSA allows you to save pre-tax dollars to pay for qualified dependent
care expenses, including those for aging parents.
What type of expenses are NOT eligible for
use with a Dependent Care FSA:
• Expenses for non-disabled children 13 or older
• Food, clothing, sports lessons or field trips
• Registration fees
• Late payment fees
• Medical care
Common expenses eligible for use with a Dependent Care FSA:
• Before or after school care
• Qualifying custodial care for dependent adults
• Licensed day care centers
• Nursery or preschools
• Childcare at a day camp or private sitter
• Summer or holiday camps
OPTUM FINANCIAL CONTACT INFO
secure.optumfinancial.com // (833) 229-4432
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How does a Dependent Care FSA work?
• You elect an annual amount during your new hire or open enrollment. The associated
premium will be deducted each paycheck.
• After paying out-of-pocket for your eligible Dependent Care FSA expense, you can
submit for reimbursement.
• You can only be reimbursed based on how much you have contributed so far in weekly
premiums.
• Use the mobile app or visit secure.optumfinancial.com to submit your request for
reimbursement and the associated receipt
.
What happens if I leave the company?
You are eligible to submit expenses for reimbursement through the end of the calendar
year. This allows you to spend down the account balance you contributed through payroll
deductions while employed.
DEPENDENT CARE
Flexible Spending Account
OPTUM FINANCIAL CONTACT INFO
secure.optumfinancial.com // (833) 229-4432
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Preventative Major + Ortho
Deductible
Team Member Only $50 $25
Team Member + Spouse
Team Member + Child(ren)
Team Member + Family
$150 $75
Annual Maximum
Note: Preventative, basic, and
major services do count towards
your annual maximum.
$1,000 per individual,
per calendar year
$2,000 per individual,
per calendar year
Preventative Services
Exams
Covered at 100%
no deductible
Covered at 100%
no deductible
Routine cleanings
Fluoride (less than 15 years old)
X-rays
Sealants
Space maintainers
Basic Services
Fillings
Covered at 80%
after deductible
Covered at 80%
after deductible
Extractions
Root canals
Periodontic procedures
Oral surgery
Major Services
Inlays / onlays
Not covered
Covered at 50%
after deductible
Crowns
Dentures
Orthodontic Services
Not covered
Covered at 50% up to $1,500
after plan deductible ($1,500
lifetime max per individual)
Enrollment Group Preventative Weekly Premium Major + Ortho Weekly Premium
Team Member Only $4.81 $9.62
Team Member + Spouse $9.62 $19.24
Team Member + Child(ren) $9.62 $19.24
Team Member + Family $9.62 $19.24
DENTAL
CIGNA CONTACT INFO
mycigna.com // (800) 244-6224
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AN important note ABOUT HEARING AIDS:
HEARING AID DISCOUNT:
• Free hearing exam
• Discount of up to 40% off premium hearing aids
• superiorvision.yourhearing.com
• (888) 494-1272
LASIK VISION CORRECTION DISCOUNT:
• Up to 50% off the national average price
• lasik.sv.qualsight.com
• (877) 201-3602
Eye Exam (once per calendar year) $10 copay
Frames (once per calendar year) $175 allowance
Standard plastic lens (once per
calendar year)
$20 copay
Single
Bifocal
Trifocal
Lenticular
Adult polycarb, scratch coating and tint
No cost
Contact Lens (in lieu of lenses
and frames)
$175 allowance
Fitting Fee $30 copay
In-Network
Enrollment Group
Team Member Only $1.12
Team Member + Spouse $2.24
Team Member + Child(ren) $2.54
Team Member + Family $3.93
Weekly Premiums
VISION
SUPERIOR VISION CONTACT INFO
superiorvision.com // (844) 549-2603
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SEE WHAT’S NEXT
(844) 549-2603 | superiorvision.com
Stop by superiorvision.com any time for more information.
SVIPW_SIB_061418
Download our mobile app
Create an online account
• Log in with the username and password
you use to access your Member account
on SuperiorVision.com
• Or, you can create an account in the app.
Locate a provider
• Find a provider in your network
• Get directions
• Call the provider
View your vision benets
• Review your vision benets and the
benets for any dependents
Get your member ID card
• View our ID card full screen
• Print or email your ID card
Hearing aids may be more cost-effective through the medical plan. When using a Garner
approved provider, some copays may be reimbursed. We recommend consulting with the
Benefits team prior to purchasing hearing aids.
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Spouse Life:
• Purchase up to $250k in increments of $25k.
• Cost is based on amount selected and age as of January 1
st
.
Cost will be shown during your online enrollment.
• Coverage cannot exceed 50% of your life insurance coverage.
• You must be enrolled in additional life to purchase spouse life.
• Underwriting may be required.
Child Life:
• Purchase $10,000 for your children under age 26.
• Cost is $.23 per week for any number of children covered.
Additional Life:
• Purchase up to 10x your covered earnings
(not to exceed $2 million).
• Cost is based on amount selected and age as of January 1
st
.
Cost will be shown during your online enrollment.
• Underwriting may be required.
• Life insurance is based off gross wages from a specified
period of time.
LIFE INSURANCE
PRUDENTIAL CONTACT INFO
contact by phone // (800) 524-0542
life insurance is
provided at no cost to
full-time Team Members!
$30,000
Basic, additional, and spouse life insurance reduces by 35% at age 65 and 50% at age 70.
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Short-term Disability (STD) provides financial support to replace lost income
while disabled due to a short term illness or non-work related injury.
STD is based off your salary or
hourly rate and commissions from a
specified period of time.
There is a 7 day waiting period.
STD will begin on the 8
th
day of
disability.
STD may be offset by any state
disability plans.
SHORT-TERM DISABILITY IS PROVIDED AT NO COST TO YOU!
Pays 50% of
covered earnings up to
$1,500 per week.
Weekly benefit can
continue for up to
26 weeks.
Pays 66.7% of
covered earnings up to
$3,000 per week.
Cost is based
on weekly
benefit amount.
SHORT-TERM DISABILITY
ABSENCEONE (STD) CONTACT INFO
absenceone.com/clayton // (855) 366-2152
Administered by Sedgwick
BUY-UP OPTION:
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Long-term Disability (LTD) protects your income if you are unable to work for a
long period of time due to an illness or injury. Long-term Disability begins after
Short-Term Disability ends.
LTD is based off your salary
or hourly rate, bonuses, and
commissions from a specified
period of time.
LTD may be offset by other income
such as SSI, Worker’s Comp, etc.
The minimum is $100/month.
LONG-TERM DISABILITY IS PROVIDED AT NO COST TO YOU!
Pays 50% of
covered earnings up to
$6,500 per month.
Monthly benefit can
continue until the
Social Security normal
retirement age.
Pays 66.7% of
covered earnings up to
$25,000 per month.
Cost is based on
amount of your
covered earnings.
BUY-UP OPTION:
LONG-TERM DISABILITY
ABSENCEONE (LTD) CONTACT INFO
absenceone.com/clayton // (800) 842-1718
Administered by Prudential
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HEALTHY BABIES,
HEALTHY PREGNANCY
STEP 1:
Contact Cigna Healthy Babies, Healthy Pregnancy
at (800) 615-2906 or BCBS Baby Yourself Maternity
Program at (800) 222-4379 as soon as you know
you’re expecting!
STEP 2:
You’ll be transferred to a maternity specialist that
will keep in touch for any maternity related questions
from birthing classes, maintaining a healthy weight,
to choosing a physician.
Expecting?
Enrolled in a
medical plan?
Enroll within your first trimester to
receive $250 or enroll within your
second trimester to receive $125.
wit Cign
STEP 3:
With Cigna, funds will be deposited into a healthy
rewards account. If you enroll in the BCBS Baby Yourself
Maternity Program during your first trimester, you’ll
receive a special gift for you and your baby.
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We are pleased to offer paid time off to all new parents! It's an incredibly special
time for nurturing and bonding for all parents, as well as needed time off for healing
and recovery for moms after delivery. We hope this offering of paid parental leave
will encourage and empower new parents to take the time they need and give them
financial support while doing so.
FOR MOMS WHO DELIVER ALL PARENTS
• 10 weeks following delivery
• 100% of base pay
• Paid through AbsenceOne administered
by Sedgwick
• May be offset by any state disability plans
• 4 weeks
• 50% of base pay
• Must be used within 6 months of birth,
adoption, or foster placement
• Cannot be used intermittently
• For moms who deliver, the 4 weeks at 50%
pay will begin after the 10 weeks of 100%
pay ends
• Paid through payroll
• Insurance premiums and arrears deducted
PAID PARENTAL LEAVE
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Every 3 seconds
there was a victim
of identity theft in
2020.
$38+ billion was
lost to cybercrime
in the US in 2020.
3 in 5 U.S. consumers
have been victim to
cybercrime.
Identity theft is when your personal
information is stolen in order to take over
or open new accounts, file fake tax returns,
rent or buy properties, or do other criminal
activities in your name. While no organization
or individual can completely prevent identity
theft, LifeLock alerts you to possible use
of your personal information, which can be
a valuable deterrent to unauthorized use
of your identity. It is important to note that
LifeLock cannot monitor all transactions at
all businesses.
Why do I need protection?
LifeLock monitors fraudulent use of your social,
name, address or date of birth in applications
for credit and services. When activity occurs
involving your information, you are alerted
by email, text or phone. If you are a victim of
identity theft, LifeLock protection includes
reimbursement for stolen funds and coverage
for personal expenses (with limits up to $1
million dollars) and access to lawyers and
experts if needed, to help resolve your case.
Signing up for LifeLock service is an important
step in helping to protect your identity. When
you become a member, you will receive
communications about your membership,
keeping you up-to-date on important
information about your identity.
When you enroll you'll receive:
A welcome to LifeLock
email that explains how
LifeLock service works to
help protect you.
An email that contains your
temporary username and password,
along with instructions on how to log
in to your member portal.
A welcome kit containing
your membership ID card
will arrive within 10 business days
of your benefit effective date.
What is identity theft?
How does LifeLock work?
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IDENTITY THEFT
PROTECTION
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LifeLock Identity Alert System
Benefit Essential
Identity Lock
Credit, Bank & Utility Account Freezes
Life Lock Identity Alert System
Mobile App
Dark Web Monitoring
Stolen Wallet Protection
Fictitious Identity Monitoring
Bank & Credit Card Activity Alerts
Credit Monitoring (One Bureau)
Online Privacy – Secure VPN, Privacy Monitor
& SafeCam
Social Media Monitoring
Phone Takeover Monitoring
Prior Identity Theft Remediation
Credit Application Alerts and Credit
Monitoring
Norton Device Security
o Secures PCs, Mac & mobile devices (Up
to 3 devices, family gets 6 devices)
o Parental Control
o Cloud Backup 10GB
ALL THE FEATURES OF BENEFIT ESSENTIAL PLUS:
Bank Account Takeover Alerts
Monthly Credit Score Tracking (One Bureau)
Credit Reports & Credit Scores On Demand
Credit Monitoring (3 Bureau)
Checking & Savings Account Application Alerts
Home Title Monitoring
Court Records Scanning
Norton Device Security
o Secures PCs, Mac & mobile devices (Up to
5 devices, family gets 10 devices)
o Parental Control
o Cloud Backup 50GB
No one can prevent all identity theft.
† Lifelock does not monitor all transactions at all businesses.
** Million dollar protection package benefits are provided by a master policy issued by united specialty
insurance company, inc. (State national insurance company, inc. For NY state members). The master
policy provides coverage for stolen funds reimbursement and personal expense compensation, each
with limits of up $1 million. If needed, Lifelock will provide lawyers and experts under the service
guarantee. Please see the policy terms, conditions and exclusions at: lifelock.com/legal.
LIFELOCK BENEFIT ESSENTIAL
TM
LIFELOCK BENEFIT PREMIER
TM
OR
SCAN HERE FOR
A FULL LIST OF
LIFELOCK FEATURES
FOR 2024!
BENEFIT ESSENTIAL WEEKLY PREMIUMS
Team Member Only $1.27
Team Member + Family $2.53
BENEFIT PREMIER WEEKLY PREMIUMS
Team Member Only $2.31
Team Member + Family $4.38
LIFELOCK CONTACT INFO
lifelock.com // (800) 607-9174
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The Clayton 401(k) plan allows eligible Team Members to save for retirement through payroll deduction.
Team Members are eligible for the 401(k) retirement plan after 90 days of service.
Team Members may contact Fidelity at any time to change their
deferral rate or opt out of the plan.
ENROLLMENT
New hires will receive enrollment materials
directly from Fidelity Investments. If no
action is taken before reaching 90 days of
service, newly eligible Team Members will
be automatically enrolled into the plan at a
4% pre-tax deferral rate.
ANNUAL AUTOMATIC INCREASE
If a Team Member does not actively opt
out of the Annual Increase Program, their
deferral rate will increase 1% each year
until it reaches a 11% deferral rate.
TEAM MEMBER CONTRIBUTIONS
Team Members can contribute up to 75% of
their eligible pay on a pre-tax basis, and Roth
sources, up to the annual IRS dollar limits.
MATCHING CONTRIBUTIONS
Team Members are eligible to receive
company match at the beginning of the
quarter following one year of service. The
company will match dollar for dollar of the
first 4% you contribute to the plan.
ELIGIBILITY REQUIREMENT
Part-time and full-time Team Members 18+
are eligible to participate after 90 days
of employment.
ROTH
We also offer a Roth 401(k) option in the
plan. Roth contributions to your retirement
savings plan allow you to make after-tax
contributions and take any associated
earnings completely tax free at retirement.
401(K) RETIREMENT PLAN
FIDELITY CONTACT INFO
English: (800) 835-5095 // Spanish: (800) 587-5282
netbenefits.com
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If you are age 50 or older,
you can contribute an
additional $7,500 annually.
catc up!
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401(K) RETIREMENT PLAN
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IMPORTANT: DESIGNATE YOUR 401(K) BENEFICIARY
Your 401(k) beneficiaries are separate from all other benefits. With Fidelity's Online Beneficiaries
Service, you can designate your beneficiaries, receive instant online confirmation, and check your
beneficiary information virtually anytime.
To elect your 401(k) beneficiaries:
• Visit netbenefits.com
• Select "Beneficiaries"
• Follow the online instructions or contact Fidelity at (800) 835-5095.
FIDELITY CONTACT INFO
English: (800) 835-5095 // Spanish: (800) 587-5282
netbenefits.com
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additiona
resources
EMPLOYEECONNECT
As a Clayton Team Member, you and your family have access to 24/7 support for a wide
range of personal and work-related issues.
LET'S TALK
Let’s Talk is Clayton’s enterprise-wide commitment to supporting the mental wellbeing of
its Team Members. We all have mental health, just as we have physical health, and we all
benefit from having access to professional resources that help us care for our brains
like we care for our bodies.
CONFIDENTIAL COUNSELING
Up to five* sessions with a counselor per person, per issue, per year.
*In California, up to three sessions in six months, starting with initial contact by
Team Member.
WORK-LIFE SOLUTIONS
Assistance finding child or elder care, moving, college planning, selling a house
and more.
LEGAL SUPPORT
Access to an attorney for legal concerns such as custody, adoption, debt and
bankruptcy.
FINANCIAL INFORMATION, RESOURCES AND TOOLS
Discuss getting out of debt, retirement or estate planning, saving for college
and tax questions.
Call anytime for confidential support!
Call: (800) 311-4327
TDD: (800) 697-0353
Online: guidanceresources.com
Clayton Web ID: GEN311
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additiona
resources
NEED ADDITIONAL SUPPORT?
Connect with mental health providers with these resources, available at NO COST for Team Members
and family enrolled in the Clayton medical plan.
Garner
Garner can help you find top-rated providers near you with expertise in mental health and
wellbeing. Garner is a free resource available for those on the Clayton medical plan.
Download the Garner Health app or visit garner.guide/account See pages 9-12 for more details.
Telehealth
With MDLive and Teladoc, you can schedule a video or phone call appointment with doctors,
therapists or other trained mental health professionals. Talk to someone same day or schedule
a conversation at a later time. See page 17 for more details.
TELADOC (BCBS)
teladoc.com/alabama // (855) 477-4549
MDLIVE (CIGNA)
mdliveforcigna.com // (888) 726-3171
NATIONAL RESOURCES
SAMHSA Treatment Locator
samhsa.gov // (800) 662-4357 // Call for treatment referrals to mental health care and substance
abuse services.
The National Suicide Prevention Lifeline
Call 9-8-8 for immediate support when experiencing suicidal thoughts. This service is committed
to improving crisis services and advancing suicide prevention by empowering individuals.
National Crisis Text Line
crisistextline.org // Text HOME to 741741 to contact a trained Crisis Counselor for immediate
assistance with anxiety, depression, eating disorders, abuse, gun violence, loneliness, suicide, and
self-harm.
Veterans Crisis Line
Call: (800) 273-8255 // Text: 838255 // Call or text to receive immediate support for all Veterans,
Service Members, National Guard and Reserve and their family members and friends.
Psychology Today
psychologytoday.com/us // Enter your city or zip code to find a therapist close to you.
Contact ClaytonWellbeing@claytonhomes.com to learn more about Let's Talk.
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TOBACCO CESSATION
PROGRAM
What does the program include?
• 5 one-on-one scheduled calls with your own quit coach
• Call to speak with a quit coach anytime, 24/7
• Direct mail order of 8-week supply of a patch or gum
• $0 copay for 180 day supply of Bupropion or Chantix (prescription required)
• Access to an interactive website that helps you stay on track between calls
• Text2quit, an integrated text messaging service sends games to help during cravings
• Ability to re-enroll and try again if you have not quit for good by last call
The Quit For Life program can help you create an easy-to-follow quit plan that will show you
how to get ready, take action and live the rest of your life tobacco free.
FREE for Team Members, spouses and dependents 18 years and older!
Quit For Life can help!
How do I enroll?
Enroll anytime by calling
(866) 784-8454 or visit
quitnow.net.
Quit for Life offers translation
services for many languages
including Spanish.
Read t quit?
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vendo
contacts
PROGRAM VENDOR WEBSITE PHONE
401(k) Fidelity netbenefits.com (800) 835-5095
Additional Resources EmployeeConnect guidanceresources.com (800) 835-5095
Disability, Long-term AbsenceOne absenceone.com/clayton (800) 842-1718
Disability, Short-term AbsenceOne absenceone.com/clayton (855) 366-2152
Flexible Spending Optum Financial secure.optumfinancial.com (833) 229-4432
Identity Theft Protection LifeLock by Norton lifelock.com (800) 607-9174
Life Insurance Prudential contact by phone (800) 524-0542
Medical Blue Cross Blue Shield alabamablue.com (888) 578-6772
Medical Cigna mycigna.com (800) 244-6224
Pharmacy Express Scripts express-scripts.com (855) 634-0226
Telehealth (BCBS) Teladoc teladoc.com/alabama (855) 477-4549
Telehealth (Cigna) MDLive mdliveforcigna.com (888) 726-3171
Tobacco Cessation Quit For Life quitnow.net (866) 784-8454
Top Provider Directory Garner mygarnerguide.com (866) 761-9586
Vision Superior Vision superiorvision.com (844) 549-2603
Voluntary Benefits Voya
presents.voya.com/ebrc/claytonhomes
(877) 236-7564
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CLAYTON BENEFITS TEAM
benefits@claytonhomes.com // (865) 380-3000 x7400
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Health care and benefits can be confusing! Here's a few common terms used throughout the guide
or words that you may hear at your doctor's office defined to help you better understand your
benefits package and navigate your healthcare experience.
Benefits Enrollment
A defined period of time when Team Members may elect or change benefits coverages. Each year,
during open enrollment, all Team Members are given the opportunity to change their benefits
elections for the upcoming year. During qualified life events such as marriage or the birth of a child,
Team Members are given 30 days to change their benefits elections.
Log on to workday.claytonhomes.com to enroll in benefits coverages.
Copay
Also known as a copayment. Copays are a flat or fixed amount that you pay for a covered health
care service such as an appointment, procedure, service or prescription. Helpful tip: See Garner
approved providers to get your copays reimbursed for qualified services.
Copay Reimbursement
When you receive a bill from your medical provider, pay the bill as you normally would. With Garner,
your copays for qualified visits are reimbursed. This means the money you pay will be sent back to
you in the form of a check about 6 to 8 weeks after your visits with Garner approved doctors.
In-network vs. Out-of-network
A provider or facility is considered in-network when they participate in our medical carrier's (BCBS
or Cigna) network of providers. When you visit in-network providers, you will pay a flat copay for
services received, eliminating surprise medical bills. Out-of-network providers do not participate
in our medical carrier network, leading to patients paying a higher cost for medical services. Visit
mygarnerguide.com for a list of in-network Top Providers.
Out-of-pocket Maximum
The maximum amount you will required to pay for covered health care services during a plan year.
Premium
Premium is the amount that is deducted from your paycheck each week for health coverages you
elect during benefits enrollment. With some coverages, such as your medical insurance, a premium
is shared between you and your employer.
Benefits ABCs
Note
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