2022 benefit guide
TRANSCRIPT
2022 Benefit Guide
TABLE OF CONTENTS
03 Bene!ts Eligibility
04 Open Enrollment Checklist
05 How to Enroll
06 SmartBen NOW Mobile App
07 Qualifying Life Event Changes
08 Medical Insurance
09 Virtual Visits
10 Flexible Spending Account (FSA)
11 Dental Insurance
12 Vision Insurance
13 Short-Term Disability Insurance
14 Long-Term Disability Insurance
15 Life Insurance
16 Voluntary Bene!ts
18 Employee Assistance Plan
19 401(k) Plan
20 Other Bene!t Programs
21 Contact List
This bene!ts guide is intended to be a brief summary. More detail is available in the summary plan descriptions of most bene!ts, as well as in the plan documents, contracts, and insurance policies governing each bene!t. If any of those other documents con#ict with this summary, those other documents supersede this guide. Bene!t plans are subject to change, amendment, or termination without notice to or the agreement of any employee/participant.
3
BENEFITS ELIGIBILITY
Full-time teammates are eligible for the following bene!ts:
• Medical Insurance
• Prescription Drug Bene!ts
• Dental Insurance
• Vision Insurance
• Telemedicine
• 24/7 Nurseline
• Flexible Spending Account
• Employee Assistance Program
• Long-Term Disability
• Critical Illness/Cancer Insurance
• Accident Insurance
• Hospital Indemnity Insurance
• Basic Life Insurance and AD&D
• Whole Life Insurance
• Supplemental Life and AD&D Insurance
• Identify Theft Coverage
• FMLA
• State Required Bene!ts
• 401(k) Plan
• Employee Stock Purchase Plan (ESPP)
• Vacation
• Holidays
• Employee Referral Program
• Employee Discounts
• ASE Test Fee Reimbursements
Am I Eligible for Benefits?
Full-time employees are eligible for bene!ts after the 1st of the month following 30 days of service. Employee’s whose 30th day falls on the !rst will be eligible on the !rst of that month. A full-time employee is an employee working 30 hours or more a week on a regular basis.
Spouse/Dependent Child Eligibility
Eligible dependents include:
• Your legally-married spouse
• Your legally-de!ned domestic partner, regardless of sex
• Your children, under age 26, including child by birth, stepchildren, legally adopted children, and children for whom you have been appointed a legal guardian
• Your unmarried grandchild, under the age of 19, who resides with you and is not employed on a full-time basis, provided the grandchild’s parent is under the age of 26 AND also covered under the Monro health care plan
You may be required to provide proof of eligibility for any new dependent you add to your 2021 coverage under the Medical, Dental, and Vision plans. Monro, Inc. may conduct a dependent eligibility audit at any time.
Alternatives to Monro’s Healthcare Plans
While Monro offers health insurance to eligible teammates as de!ned by the Affordable Care Act, there is also another way for you and your family to purchase health insurance as part of Healthcare Reform Legislation. The Marketplace, also known as The Healthcare Exchange, offers “one-stop shopping” to !nd and compare private health insurance options. A great resource that is easy to use (by zip code search) and available throughout the year in the event your needs change is http://www.healthcare.gov. You can also call 1-800-318-2596 to speak to a bene!t representative.
Discovery Bene!ts Inc. also provides Monro teammates with resources to !nd affordable healthcare bene!ts at www.discoverymarketplace.com. You can also call 1-855-633-5315 to speak to a bene!t representative. Either resource will provide you with a viable resource to help you make an informed decision about the right healthcare plan for you and your family.
4
Take these steps to have a successful enrollment:
Between November 29 and December 10, log in to https://monro.smartben.net or by using the SmartBen NOW app to review your suite of Monro bene!ts and enroll. (See next page for more information.)
Check to see if your doctor and/or dentist is in any of the networks
See the contacts list to !nd out how to look for a doctor or dentist
You MUST enroll if you want the following:
Flexible Spending Account
Decide whether you want to cover dependents
Documentation may be required to verify eligibility for any NEW dependents.
Make sure you have the Social Security number and date of birth for each of your dependents handy. You must enter them during the enrollment process.
Make sure the bene!ciary information for your Company Basic Life Insurance, Supplemental Life, Whole Life, and Critical Illness bene!ts is up to date.
ENROLL BY THE DEADLINE! If you need to make any changes, you must do so by December 10.
Scan here with your smartphone’s camera to
download SmartBen NOW!App Store Google Play
OPEN ENROLLMENT CHECKLIST
5
HOW TO ENROLL
What if I moved to part-time in 2021 and am now back to full-time status? Do I need to enroll?
Action Required: You must enroll if you did not re-enroll in bene!ts upon moving back to full-time status in 2021.
How to View Your Status: Check out the tile “Full-Time/Part-Time Status” in SmartBen.
What if I currently am enrolled in benefits? Do I need to enroll?
No Action Required: Unless you want to make changes for 2022, any bene!ts you are currently enrolled in for 2021 (except the FSA) will automatically carry over to 2022.
You MUST enroll if you want to contribute to the Flexible Spending Account (FSA) in 2022.
When can I enroll?
November 29 through December 10, 2021
REMEMBER!
You must designate a beneficiary for your Company-provided Life, Supplemental Life, Whole Life, and Critical Illness insurance.
To enroll dependents, you must provide Social Security numbers and dates of birth.
How Do I Enroll? Log on to https://monro.smartben.net:
1. Enter your Username and Password
• Username: The word “monro” + your 6-digit teammate ID number
• Default Password (passwords have been reset for enrollment): Your date of birth as MMDDYYYY
2. From the home page, click the Begin Enrollment icon, then the Annual Enrollment button.
3. Click on “Manage People” on the right hand side of the screen to enter dependent and bene!ciary information.
4. To make a change, select the plan you wish to change, then click on the coverage election you want. Click “Con!rm Election” at the bottom of the page when you are !nished.
Any bene!t that has a “red light” next to it will require your attention before you can continue.
Any bene!t option that has a “green light” will roll over into 2022 if no changes are made. To review and/or make changes, simply click into the bene!t.
5. Enter your initials at the bottom of the Con!rmation page and click Continue.
6. Congratulations! Success! You have enrolled. Print the con!rmation statement for your records.
Need Technical Assistance?
If you need help resetting a password or general help with navigating the SmartBen system:
Talk with a representative at
1-888-395-8631, Monday through
Friday from 8 a.m. to 8 p.m. (ET)
Email questions to
6
SMARTBEN NOW ... YOUR FAVORITE APP!
View and access the important pieces that make up your bene!ts package. SmartBen NOW is available for both Apple and Android devices. Download it in the App Store and Google Play today!
Accessing Your Benefits Is Easy
SmartBen NOW allows you to access up-to-date information on all your Monro bene!ts in one central location! Access your:
Deductible
Out-of-Pocket Maximum
HSA or FSA Balance
401(k) Balance
EMSIP Information
Store a copy of your Medical ID Card, and more!
Let’s Keep In Touch!
SmartBen NOW is also the way the Bene!ts Department will be communicating important information to you. Be sure to click ALLOW to enable noti!cations when you download the app.
Logging In to SmartBen NOW
Once you have downloaded the app, log in with your SmartBen credentials (see page 5). The online system and the app share the same credentials.
SCAN HERE TO DOWNLOAD
Apple Android
FAST ACCESS TO YOUR
MONRO BENEFITS, 24/7
Don’t forget to enable
notifications so that
you don’t miss out on
important messages.
Enable Notifications
7
HOW DO I MAKE QUALIFYING LIFE EVENT CHANGES?
If you have experienced a Qualifying Life Event, you can either:
Download the SmartBen NOW app and complete your request from your smartphone
Contact the Monro Bene!t Resource Center at 1-888-395-8631 to con!rm your eligibility to make a change
Log on to https://monro.smartben.net, and select “Life Event”
With this change:
You will be required to provide supporting documentation to verify the life event and new dependents
Retroactive payroll deductions apply
You must request a Qualifying Life Event benefit change AND provide supporting documentation within 30 days of the event or you will not be able to make the change until the next annual enrollment period. (See Medicare, Medicaid, CHIP exceptions below.)
You will receive instructions on how to verify a new dependent at a later date.
Qualifying Life Events include:
• Marriage, divorce, legal separation, or death of spouse
• Change in your or your spouse’s work status that affects bene!ts eligibility
• Termination or commencement of your spouse’s employment
• A dependent child becoming eligible or ineligible for coverage
• Birth, adoption, placement for adoption, or death of a dependent child
• Becoming eligible and enrolling in Medicare, Medicaid, or CHIP (the Children’s Health Insurance Program available through the federal government) – MUST be reported within 60 days
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MEDICAL INSURANCE
Medical Plan: Kaiser Permanente
Bronze (DHMO) Traditional (HMO)
Key Features In-Network In-Network
Annual DeductibleIndividualFamily
$4,500
$9,000
$0
$0
Annual Out-of-Pocket Limit1 (includes deductible)IndividualFamily
$6,000
$12,000
$1,500
$3,000
Coinsurance (after deductible) Plan pays 60% after deductible Does not apply
Preventative Care (covered at 100%)
• Routine exams• Immunizations• Routine prenatal visits• For a full list, please see Bene!t Summary
• Routine exams• Immunizations• Routine prenatal visits• For a full list, please see Bene!t Summary
Copay $50 Primary Care Physician$50 most Physician Specialists
* After deductible met *
$20 Primary Care Physician$50 most Physician Specialists
Telemedicine $0No Deductible
$0No Copay
Emergency $250 copay* After deductible met *
$100 copay
Urgent Care $50 copay* After deductible met *
$20 copay
Hospital Inpatient Plan pays 60% after deductible Covered at 100%
Hospital Outpatient Plan pays 60% after deductible $20 copay
Prescriptions (after deductible)GenericBrand NameMail Order
$15
$35
2x retail for 100-day supply
$15
$35
2x retail for 100-day supply
1Not included in Out-of-Pocket Limit: Premiums, payments for health care that this plan does not cover, co-payments made to primary care physicians, specialists, and other facilities more thoroughly noted in the Summary of Bene!ts and Coverage.
Out-of-Network Providers: You will pay more by using an out-of-network provider. For all but emergency situations where you need immediate medical care, you will be responsible for all charges incurred. Be aware, your network providers might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.
Bronze (DHMO) Traditional (HMO)
Employee $30.30 $114.67
Employee plus one $149.89 $327.09
Family (no spouse) $149.89 $327.09
Family $214.13 $467.28
2022 Bi-Weekly Medical Rates NEW LOWER RATES!!
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VIRTUAL VISITS
Need help with your virtual visit? Call 1-844-800-0820 Monday–Friday, 8:30 a.m. to 5 p.m.
Download the free Kaiser Permanente app
• Search keyword “Kaiser Permanente App”
• Click the download icon for the Apple™ App Store
• Click the Install button for Google Play™
Login to your kp.org account
• After logging in, you will see the main screen for your account.
• Select the ‘Appointments’ tab to continue to your Scheduled Appointments
Find your scheduled Video Visit appointment
• Select the “Upcoming” tab on the appointment screen to see your upcoming appointments. Select your scheduled Video Visit. You will be allowed to Join your Video Visit by selecting “Join Now” if you are within the 15-minute appointment window.
Getting started with video appointments on your mobile device
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FLEXIBLE SPENDING ACCOUNT (FSA)
Health care #exible spending accounts can save you money by allowing you to set aside tax-free dollars to pay for eligible health care expenses.
Am I Eligible for an FSA?
Monro has reduced the eligibility waiting period to participate in a Flexible Spending Account (FSA) to the 1st of the month following 30 days!
Teammates who elect either the Kaiser Traditional HMO plan or the Kaiser Bronze HDHP plan may enroll in an FSA.
Can I Make Changes to or Enroll in an FSA Mid-Year?
No, you must wait until the next annual enrollment.
Elements of an FSA
Provides you with a tax-free way to pay for eligible Medical, Dental, and Vision expenses – such as eyeglasses, deductibles, coinsurance, and orthodontia – that are not reimbursed or covered by another plan
Each year you may contribute up to the IRS Limit. For 2022, the limit is $2,850.
Rollover up to $570 into the next calendar year
Monro will cover all maintenance fees saving you approximately $40 per year!
Funding and Using Your FSA
Your annual contribution amount is divided into equal amounts and is deducted from your paycheck, pre-tax, each pay period. Eligible expenses are then reimbursed from your account. If you terminate employment, your FSA debit card will terminate on the same date. You can still submit expenses incurred prior to termination for up to 90 days.
How Can I View My Account Balance
The website https://bene!tslogin.wexhealth.com/Login allows you to view your balance, !le a claim, or submit a receipt. Search for the WEX mobile app in the App Store or Google Play.
How to Get Reimbursed for Expenses
When you enroll in an FSA you may:
• Use your Flexible Spending Account VISA® debit card and have the eligible expense debited directly from your account.
• Pay for eligible expenses out-of-pocket and submit a claim for reimbursement (contact WEX
at 1-866-451-3399)
Use It or Lose It
Any unused funds (above $550) remaining in your Flexible Spending Account after December 31, 2023, will be forfeited to the plan.
VISA® Debit Card
You can use your Flexible Spending Account VISA® debit card to pay for eligible copays, deductibles, and healthcare products and services from quali!ed locations, including hospitals, physician of!ces, vision providers, pharmacies, and home healthcare services. Keep all receipts in case you need to submit one or more to WEX for validation.
Special Note for 2022
Under the Consolidated Appropriations Act of 2021, FSA holders will be allowed to carry whatever amount remains in their account on December 31, 2021 into the 2022 calendar year (the $570 carry over limit for 2021 has been temporarily suspended). 2021 funds must be used by December 31, 2022 or they will be forfeited to the plan.
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DENTAL INSURANCE
The plan features a network of dentists and specialists who have agreed to provide services at a discounted price. You’ll pay less out-of-pocket if you stay in the network.
*Dental Plan 1: There is a 6-month waiting period for basic and major services if you previously declined dental coverage.
**Dental Plan 2: There is a 12-month waiting period for basic and major services if you previously declined enrolling in Dental Plan 2.
*** No more than 1/2 the lifetime maximum can be paid in any calendar year.
Covered Benefits Dental Plan 1* Dental Plan 2**
Deductible (Individual) $50 $50
Deductible (Family) $150 $150
Annual Maximum per Person $1,000 $1,500
Preventative Services (Deductible Waived)Preventive and diagnostic services do not apply toward the annual maximum bene!t of $1,000.Two cleanings/exams per calendar year.
100% 100%
Basic Services (Waiting Period Applies) Minor restorative services, including x-rays, !llings, root canals, periodontal services and dental surgery.
80% 80%
Major Services (Waiting Period Applies) Major services, including crowns, full/partial dentures.
50% 50%
Orthodontic Services(Waiting Period Applies)
Not Covered
50%; Lifetime Max of $1,000 per member and does not
apply toward annual plan max (Children to age 19)***
Weekly Rates Dental Plan 1 Dental Plan 2
Individual $3.35 $3.68
Employee +1 $7.73 $8.50
Family $13.04 $14.34
Bi-Weekly Rates Dental Plan 1 Dental Plan 2
Individual $6.69 $7.36
Employee +1 $15.46 $17.01
Family $26.08 $28.68
Monthly Rates Dental Plan 1 Dental Plan 2
Individual $14.50 $15.95
Employee +1 $33.50 $36.85
Family $56.50 $62.15
To !nd a dentist, view your bene!ts, or request/print an ID card:
• Dental Plan 1 & 2: Aetna - 1-877-238-6200
- National Network: Dental PPO/PDN with PPO II
Search for “Aetna” through the App Store (Apple) or Google Play (Android) to download the mobile app.
Your Employee Payroll Contribution
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VISION INSURANCE
Regular vision care is an important part of your overall health. That’s why we offer vision insurance through Aetna. The plan features a network of providers who have agreed to provide services at a discounted price. You may pay less out-of-pocket if you stay in network.
Covered Benefits Vision (In-Network)
Vision ExamOnce every calendar year
$10 copay
LensesOnce every calendar year to purchase one pair of eyeglass lenses or one pair of contact lenses
Standard non-progressive lenses - $10 copay
Standard progressive lenses - $75 copay
Premium progressive lenses - 20% discount off retail
after $75 copay and $120 plan allowance
FramesOnce every other calendar year
$150 allowance Additional 20% off balance
over the allowance
Contact Lenses (Fit and Follow-up)
Standard - $55
Premium - 10% off retail
Contact Lenses Once every calendar year to purchase one pair of contact lenses or one pair of eyeglass lenses
Conventional - $150 allowance Additional 15% off balance
over the allowance
Disposable - $150 allowance
Weekly Rates
Individual $1.19
Employee +1 $2.26
Family $3.32
Bi-Weekly Rates
Individual $2.38
Employee +1 $4.52
Family $6.64
Monthly Rates
Individual $5.15
Employee +1 $9.80
Family $14.39
Your Employee Payroll Contribution
To view your Aetna Vision Preferred bene!ts, search for a provider, or request/print an ID card:
• Call 1-877-973-3238 • Visit http://www.aetnavision.com
• Download the mobile app through the App Store (Apple) or Google Play (Android) and search for “Aetna Mobile”
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Disability Insurance (Short-Term)
A disabling illness can strike at any time. Are you !nancially prepared?
State Mandated STD Benefits
Some states have mandatory, income based short-term disability bene!ts that you will be eligible to receive after a 7-day waiting period. However, these bene!ts can fall quite short of providing you what you need !nancially while out of work.
State Benefit Amount Maximum Benefit
California 60-70% of earnings based on annual salary $1,357/week
New York 50% of earnings $170/week
New Jersey 85% of earnings $903/week
Rhode Island4.62% of high base period quarter wages to a maximum of 85% of average weekly wages
$978/week
All other states Currently no mandated state bene!ts provided N/A
Filing for Short-Term Disability in California?
1. Advise your supervisor of the need to be out of work longer than 7 days.
2. Contact Lincoln Financial at 1-800-213-7322 or !le a claim at www.mylincolnportal.com. Provide any requested documentation directly to Lincoln.
3. All enrolled bene!ts will continue during STD duration; premiums will be billed directly to you on a monthly basis.
Returning to Work after Short-Term Disability
1. Contact your Supervisor to let them know of your intended return to work date.
2. Provide return to work clearance from your physician to your Supervisor, Lincoln Financial and the HR Bene!ts Team (email: [email protected]). Any bene!t premiums missed while you are out on disability will be deducted along with normal pay period deductions upon your return to work.
DISABILITY INSURANCE
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DISABILITY INSURANCE
Long-Term Disability (LTD)
Monro provides LTD coverage automatically to full-time teammates April 1 or October 1 after 12 months of continuous service. After 90 days of disability (your short-term disability period, if covered), LTD will replace 60% of average weekly wages (to a maximum of $7,000 per month) if you cannot return to work.
This bene!t will continue until you return to work, reach Social Security Normal Retirement Age, or per the Reduced Bene!t Duration schedule shown below, or if you die, whichever comes !rst.
In accordance with the provision of the policy, your payable bene!t is offset by any bene!t received under a Monro, Inc. de!ned bene!t pension plan, Social Security, or other state mandated bene!t program.
If your disability is due strictly to a work-related injury, Workers’ Compensation bene!ts are an offset to the LTD bene!t.
Disability bene!ts are not automatic. All claims are subject to the approval of the insurance carrier, Lincoln Financial.
Long Term Disability
LTD Option 1 (Core)
Monthly Premium No Cost To You!
Monthly Bene!t 60%
Maximum Monthly Bene!t $7,000.00
Minimum Monthly Bene!t* Greater of 10% of monthly bene!t or $100
Elimination Period 90 Days or until the end of the STD Maximum Bene!t Period
Own Occupation Period 24 months
Social Security Integration Family Social Security
Bene!t Payment Duration
Lesser of Reduced Benefit Duration (RBD) or 5 years
The lesser of 5 years of bene!ts or the period shown below:
Age at Disability Maximum Benefit Period
Less than age 6565-6970+
5 yearsTo age 70 (but not less than 1 year)
1 year
* SSNRA subject to change annually per Social Security Administration
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Basic Life and AD&D Insurance - No Cost to You!
Monro provides Basic Life Insurance and Accidental Death and Dismemberment (AD&D) insurance for full-time teammates through Lincoln Financial at no cost. You are automatically eligible for coverage on the !rst of the month following 30 days of continuous employment. No action is required on your part to receive this bene!t, however YOU MUST provide your beneficiary designation(s) during enrollment. Mandatory coverage reductions will occur at ages 70 (35% off original coverage amount) and 75 (50% off original coverage amount).
Supplemental Life and AD&D Insurance
Monro offers additional low-cost Supplemental Life Insurance through Lincoln Financial to all eligible teammates, their spouses and children. Teammates must insure themselves in order to insure their dependents. Teammate speci!c Supplemental Life Insurance premiums will be provided in SmartBen during enrollment.
Employee Basic Life and AD&D View your bene!t amount on https://monro.smartben.net
Employee Supplemental Life and AD&D$20,000 / $50,000 / $80,000 / $100,000 / $150,000 / $300,000* / $500,000*
Spouse Supplemental Life and AD&D $10,000 / $20,000 / $30,000 (cannot exceed 50% of employee supplemental coverage amount)
Child Supplemental Life (to age 26) $1,000 up to age 6 months; $10,000 for ages over 6 months to age 26
Employee Whole Life (ages 15-70) $10,000 - $100,000 in increments of $10,000
Spouse Whole Life (ages 15-70) $5,000 - $25,000 in increments of $5,000, not to exceed 50% of the employee bene!t.
Child Whole Life Term Rider (to age 24) $5,000 or $10,000
*Coverage over $150,000 requires Evidence of Insurability
Evidence of Insurability (EOI) Requirements
Teammates will not be required to complete Evidence of Insurability for Supplemental Life Insurance if:
Enroll in $150,000 or less of coverage at your initial eligibility as a new hire with Monro
Increase coverage by one level during subsequent annual enrollment periods
Teammates will be required to complete Evidence of Insurability for Supplemental Life Insurance if:
Enroll in more than $150,000 of coverage or increase coverage more than one increment for employee or spouse
Enroll in employee, spousal or child(ren) coverage after the initial eligibility period
LIFE INSURANCE
Premier Whole Life Insurance through Voya
Whole Life Insurance is designed to provide life insurance coverage over a lifetime. Its features include life insurance protection, tax-deferred* cash accumulation (based on current tax laws) and cash value loan privileges – all in one policy.
The premium you pay for your Premier Whole Life Insurance coverage is based on the death bene!t you select, as well as your age and tobacco status. Plus, the insurance coverage, premium amounts and cash value are guaranteed as long as you make
the required premium payments. You can see your individual rate options in SmartBen.
*This communication is not intended or written to be used, and cannot be used by the recipient or any other person, for the purpose of avoiding any tax penalties that may be imposed on such person, and cannot be used or referred to, in promoting, marketing, or recommending to another party any transactions or matters addressed herein.
Life insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy provisions and product availability may vary by state.
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VOLUNTARY BENEFITS
Critical Illness Insurance1 through Voya
Helps cover the extra expenses associated with a serious illness such as heart attack, stroke, major organ failure, end stage renal failure, invasive cancer and more. This coverage, provides a lump-sum payment upon diagnosis. In the event you suffer more than one covered condition, another bene!t may be payable. Critical Illness insurance is designed to supplement your health insurance, NOT replace it.
A wellness bene!t of $50 is available to you and your spouse and $25 per child, up to $100 per family, when submitting a receipt for health screening test(s).
Teammates MUST insure themselves in order to insure their spouse or child(ren).
Teammate speci!c premiums will be provided in Smartben upon enrollment.
Coverage Amounts
• Employee: $10,000, $20,000 or $30,000
• Spouse: $5,000, $10,000 or $15,000
• Children are covered at 50% of the employee bene!t
Accident Insurance1 through Voya
Provides a lump-sum payment when a covered injury is suffered and requires covered testing, medical services, or treatment.
Payments are made directly to you. Accident Insurance is designed to supplement your health insurance, NOT replace it.
Accident insurance is payable regardless of whether the accident occurred on or off the job!
Examples of covered injuries and treatments (see policy for more details):
• Cuts • Burns
• Fractures • Dislocations
• Eye Injuries • Torn Rotator Cuff
• Torn Tendons and Ligaments
• Emergency Dental Work
1See the product brochure, certificate of coverage and any applicable riders for a list of covered accidents, along with complete provisions, exclusions and limitations.
Accident Insurance Premiums
Weekly Bi-Weekly Monthly
Individual $1.84 $3.68 $7.97
Employee + Spouse
$3.06 $6.12 $13.26
Employee + Children
$3.70 $7.40 $16.04
Family $4.92 $9.84 $21.33
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Hospital Indemnity Insurance through Voya1
Helps cover expenses associated with hospital admissions
• $1,000 per admission (up to 4 admissions per calendar year)
• $100 per day for Hospital Con!nement (up to 30 days)
• $200 per day for ICU Con!nement (up to 15 days)
• $50 per day for Rehab facilities (up to 30 days)
A wellness bene!t of $50 is available to you and your spouse and $25 per child, up to $100 per family, when submitting a receipt for health screening test(s).
Hospital Indemnity Insurance Premiums
Weekly Bi-Weekly Monthly
Individual $2.97 $5.94 $12.88
Employee + Spouse
$6.57 $13.14 $28.48
Employee + Children
$5.03 $10.06 $21.79
Family $8.63 $17.26 $37.39
1See the product brochure, certificate of coverage and any applicable riders for the definition of covered facilities, along with complete provisions, exclusions and limitations.
Hospital Confinement Indemnity Insurance and Accident Insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of
companies. Policy provisions and product availability may vary by state.
Identity Theft Protection
Includes privacy and security monitoring, with 24/7 customer care services. If your identity is stolen, Certi!ed Identity Theft Risk Management Specialists from IDWATCHDOG are assigned to your case until it is fully resolved. You’ll also get up to $1 million Identity Theft insurance that helps pay certain expenses. The plan includes:
Advanced Identity Monitoring
• USPS National Change of Address Registry
• Dark Web Monitoring
• Subprime Loan Monitoring
• High-Risk Application and Transaction Monitoring
Advanced Tools
• Threshold Alerts
• Mobile App
• Lost Wallet Vault
• Solicitation Reductions
• Social Networks
• National Provider Identi!er (NPI) Alerts
Identity Theft Premiums
Weekly Bi-Weekly Monthly
Individual $1.38 $2.77 $6.00
Family $2.65 $5.31 $11.50
Looking for more information on the Voya plans? You can visit https://presents.voya.com/EBRC/Monro to read speci!c plan details.
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EMPLOYEE ASSISTANCE PLAN
Employee Assistance Services through Lincoln Financial - It’s More Than You Think!
An Employee Assistance Plan is an important resource for your overall health and well-being. Life is full of changes. It’s easier to take them on with some help. You have access to help anytime, anywhere.
• In-Person Counseling • In-Person legal consultations • Online Self-Help Resources
More Than Just Counseling
Whether you need guidance and support during major life events or expert help with life’s day-to-day challenges; trained professionals are available to help, freeing you up to focus on other things, or just relax and recharge.
Assistance is available when you need it - 24 hours a day, 7 days a week, 365 days a year.
For example:
• Smoking cessation program.
• Locate child care or daycare that works best for your family.
• Assist in !nding caregivers for aging loved ones.
• Match your elderly parents with housing options based on their needs.
• Help with college planning and research !nancial aid.
• Help you plan and prepare for a baby, wedding, move, or other major life event.
• Help with a crisis at home such as: addiction, dependency, depression and stress.
• Assist with career, legal and !nancial issues.
Counseling and Referral Services
Monro’s program also offers con!dential counseling and referral services that can help you and your family successfully deal with life’s challenges. You have up to five free sessions available to you. Counselors have a list of resources they can refer you to as well.
Consider the Counselor a Resource
Some people may feel uneasy or embarrassed about seeing a counselor for personal problems. However, every one of us has similar on- and off-the-job struggles. Nearly everyone is faced at some time with challenges that are dif!cult to resolve independently. Seeking assistance for personal problems is just as important as receiving assistance for medical problems, a wise step and a sign of personal strength.
All services are provided in strict con!dence. The personal information that you share with your counselor is con!dential and not shared outside the program unless you sign a release of information if law requires disclosure. No reports come back to Monro and there is no external record of using of the counseling services.
For more information about the program, visit GuidanceResources.com (username: LFCSupport and password: LFCSupport), download the GuidanceNow mobile app, or call 1-888-628-4824.
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401(K) PLAN
Monro offers a competitive retirement bene!ts package to eligible teammates through 401(k) contributions, as well as tools and resources you need to plan for your future.
When Am I Eligible and When Can I Enroll?
Immediately upon hire as long as you are 18 years of age or older
You can enroll the week after you receive your !rst pay check from Monro
Your 401(k) Contributions
For every $1.00 you contribute, Monro will contribute $0.50 up to a maximum match of 3% per pay period. In other words, Monro matches 50% of the !rst 6% you save, for a maximum match of 3% per pay period.
You can contribute any percentage from 0% to 50% of your pre-tax pay up to the annual IRS limit of $20,500 in 2022. (Highly Compensated Teammates are currently limited to 1.92%.)
You may change (increase or decrease) your contribution at any time during the year.
If you are 50 or older in 2022, you can make additional catch up contributions up to the IRS Limit of $6,500 annually once you contribute the IRS maximum regular contribution of $20,500 for 2022. Catch-up contributions are not eligible for matching contributions.
100% vested in your contributions and the earnings on those contributions.
Monro matching contributions are subject to a vesting schedule. You are 25% vested after 2 years of service, 50% vested after 3 years of service, 75% vested after 4 years of service, and 100% after 5 years of service. Any amounts that are credited to your account but not vested will be forfeited if you separate from service before meeting the service requirements.
Lower your taxes: Contributions are taken out before federal income taxes and can possibly place you in a lower your tax bracket.
Give careful consideration to the bene!ts of a well-balanced and diversi!ed investment portfolio.
How to Enroll or Make Changes
Contact Prudential – at 1-877-778-2100, weekdays from 8 a.m. to 9 p.m. ET
Register your account online at www.prudential.com/online/retirement; once your account is registered you can download the Prudential Retirement App from either the App Store or the Google Play store.
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OTHER BENEFIT PROGRAMS
Employee Stock Purchase Plan (ESPP) Detailed plan information available in early 2022!
Employee Discounts
Discounts for Teammates and Family (see Employee Handbook for details)
Employee Referral Program
Earn up to $500:
• $150: Referring teammates to receive the !rst check (less any applicable taxes) if teammate hired remains employed for a minimum of 30-days.
• $350: Referring teammate will receive another check (less any applicable taxes) after the teammate hired is active for 90-days of continuous employment.
Teammates will not receive a referral payment for an individual who has previously been employed by Monro Inc within the past 2 years and must not be someone who will report directly or indirectly to you.
ASE Test Fee Reimbursement
Must be employed with Monro at time of test registration, currently employed at time of reimbursement, and must provide proof or certi!cation.
Reimbursement for tests will be made three months from time of your test date.
Voya Travel Assistance
Being in an unfamiliar place can cause stress, especially if something goes wrong. Voya Travel Assistance offers you and your dependents four types of services when traveling more than 100 miles from home, including: pre-trip information, emergency personal services, medical assistance services and emergency transportation services. This provides peace of mind, allowing you to relax and enjoy your trip.
Voya Travel Assistance services are provided by Europ Assistance USA, Bethesda, MD.
In the U.S., toll-free: 800-859-2821
Worldwide, collect: 202-296-8355
Email: [email protected]
Online Portal: https://eservices.europassistance-usa.com/sites/Voya
Group ID: N1VOY
Activation Code: 140623
Lincoln Financial Travel Assistance available with Supplemental AD&D
• Visit https://mysearchlightportal.com and enter Group ID #LFGTravel123 for access to plan documents, international calling instructions, and destination information.
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CONTACT LIST
Monro Benefit Resource Center
Enrolling in bene!ts, password resets, Dependent Veri!cation questions, and help with the SmartBen system!
• Email: [email protected]
• 1-888-395-8631
• Hours: Monday-Friday 8:00 a.m.– 8:00 p.m. ET
Kaiser Permanente
• http://www.kp.org
• 1-800-278-3296
• Prescription Drug: http://www.kp.org/formulary
Critical Illness, Accident, Hospital Indemnity and Whole Life Voya through payroll deductions
• https://presents.voya.com/EBRC/Monro
• 1-877-236-7564
• Hours: Monday-Friday 7:00 a.m. – 6:00 p.m. ET
WEX (formerly Discovery Benefits)
Flexible Spending Account, COBRA
• https://bene!tslogin.wexhealth.com/Login
• 1-866-451-3399
• Hours: Monday-Friday 7:00 a.m. – 10:00 p.m. ET
Alternatives to Monro Healthcare Plans
• https://www.healthcare.gov
• 1-800-318-2596
• https://marketplace.wexhealth.com/
• 1-855-633-5315
Aetna
• Dental (Outside Rochester Area):
- http://www.aetna.com
- 1-877-238-6200
- National network: Dental PPO/PDN with PPO II
• Vision:
- http://www.aetnavision.com
- 1-877-973-3238
- National Network: Aetna Vision Preferred
Identity Theft Coverage
IDWATCHDOG
• http://www.idwatchdog.com
• 1-866-513-1518 (24 hours, 7 days a week)
Monro 401(k) Plan
• http://www.prudential.com/online/retirement
• 1-877-778-2100
• Hours: Monday-Friday 8:00 a.m.–9:00 p.m. ET
Lincoln Financial
Supplemental Life and AD&D Insurance
• www.mylincolnportal.com
• 1-800-213-7322
Disability, FMLA, and Leave of Absence
• www.mylincolnportal.com
• 1-800-213-7322
Employee Assistance Program
• GuidanceResources.com
- Username: LFGSupport
- Password: LFGSupport
• 1-888-628-4824
Travel Assistance
• Within US or Canada: 1-866-525-1955
• Outside US: 1-603-328-1955
Monro and Kimmel Pension Plans
• 1-585-784-3479
Stock Awards
• 1-585-784-3324
Employee Stock Purchase Plan - Coming Soon!