Page 2 - VIP Mortgage Benefit Guide FINAL

Benefits for 2021 -2022

Table of Contents

•Introduction 3

•Medical Benefits 4

•Medical Benefit Details 5

•FreshBenies 8

•Health Savings Account (HSA) 9

•Flexible Spending Account (FSA) 10

•Employee Assistance Program (EAP) 11

•Dental Benefits 12

•Vision Benefits 12

•Life Insurance 13

•Short Term & Long Term Disability 14

•Critical Illness 15

•Legal Notices 16

•Contact Page 23

This booklet provides only a summary of your benefits. All services described within
2021 -2022 Employee Benefit Guide
are subject to the definitions, limitations, and exclusions set forth in each insurance 2
carrier or provider’s contract.