The Paper Store | BenefitsHub

Open Enrollment is almost here!


Enroll between:

Monday, October 14, 2024 - Friday, October 25, 2025



Looking for 2024 benefits?
Click here →



Breast Cancer Awareness Month

In 2024, over 300,000 people will be diagnosed with breast cancer. But there is hope. Advancements in early detection methods and support continue to increase the chances of survival. When caught in its earliest, localized stages, the 5-year relative survival rate of breast cancer is 99%.

Learn more


2025 Highlights & Reminders

IMPORTANT!you must take action!

You must actively enroll in your benefits!

Because we’ve added new & exciting benefit offerings, you will need to re-enroll in your benefits, otherwise you will lose them.

Even If you are keeping your benefits the exact same, you must re-enroll for the 2025 plan year.

Once the Open Enrollment period is over, you may only make changes to your 2025 benefits if you have a qualified life event during the plan year.

Big Changes to Our Medical Plans! Now with Harvard pilgrim

To provide you and your family with the best options available, we will have a new medical plan carrier and network effective 1/1/25:

Carrier: Harvard Pilgrim
Network: UnitedHealthcare (UHC)

You will be receiving new ID cards from Harvard pilgrim in the coming weeks. Learn more →

Flexible and Dependent Care Spending Accounts NEW!

Exciting news! The Paper Store is offering you two new ways to save with a brand new Healthcare FSA and Dependent Care FSA.
Learn more →

Confirm Dependents and Beneificaries are Up-to-Date

If you add a new dependent to your benefit plan, you are required to document the dependent. Please also use Open Enrollment as an opportunity to review your beneficiaries.

Need Assistance? Talk to a Piper Jordan Advocate

A Piper Jordan Advocate is ready to help at no cost to you. Get help with things like Claims Advocacy, Finding a Provider, Understanding your Benefits, and Enrollment Assistance.
Learn more →

big changes!

Medical Plans

Big Changes to Our Medical Plans! Now with Harvard pilgrim

To provide you and your family with the best options available, we will have a new medical plan carrier and network effective 1/1/25:
Carrier: Harvard Pilgrim
Network: UnitedHealthcare (UHC)

Find a New UHC Provider through Harvard Pilgrim

With UnitedHealthcare (UHC), you’ll have access to a large provider network. To ensure that your current providers are in-network with UHC, please visit www.harvardpilgrim.org/public/find-a-provider

New ID Cards

You'll be receiving brand new ID cards from Harvard Pilgrim in the mail in the weeks following enrollment. Keep an eye on the mail for these to arrive.
Learn more →



Looking for Transition of Care (TOC) Information?
Click here for Transition of Care information.

HMO Best Buy
  • Deductible

    $1,500/$3,000 (Individual/Family)

  • Out-of-Pocket Maximum

    $3,000/$6,000 (Individual/Family)

  • Preventive Care

    $0

  • Primary Care

    $25 copay

PPO Best Buy
  • Deductible

    $2,000/$4,000 (Individual/Family)

  • Out-of-Pocket Maximum

    $5,000/$10,000 (Individual/Family)

  • Preventive Care

    $0

  • Primary Care

    $25 copay

PPO Saver HSA
  • Deductible

    $2,500/$5,000 (Individual/Family)

  • Out-of-Pocket Maximum

    $5,000/$10,000 (Individual/Family)

  • Preventive Care

    $0

  • Primary Care

    You pay 20% after deductible



Documents
Contacts
View Full Plan Details

Prescription Drug


Prescription Drug benefits are covered through your medical plan.

Documents
Contacts
View Plan Details

Advocacy Support


A Piper Jordan Advocate is ready to help you with your benefits. Learn more about this free service below.

Claims Advocacy:

Help you, or members of your immediate family solve claim questions or resolve provider billing issues.

ID Cards:

We can assist you in getting a new ID card.

Find a Provider:

An in-network provider can offer you lower out of pocket costs – we can locate a provider close to you.

Understand your Benefits:

Want to know what is covered? How does a deductible work? What’s your co-pay? We’re ready to assist.



Dental Plans


Three Brand New Dental Plans!

There are three new benefit plans to choose from! The Mid Plan is the same rate as the old Dental Preferred Plan, but with added benefits value to your plan - you pay the same but get more!

Plan Options:
Low Plan

Deductible:

$75 (I) / $225 (F)


Basic Services:

You pay 40% after deductible


Major Services:

You pay 50% after deductible


Orthodontic Services:

N/A


Cleanings Per Year:

2


Mid Plan

Deductible:

$50 (I) / $150 (F)


Basic Services:

You pay 10% after deductible


Major Services:

You pay 30% after deductible


Orthodontic Services:

You pay 50% of maximum plan allowance


Cleanings Per Year:

2


High Plan

Deductible:

$50 (I) / $150 (F)


Basic Services:

You pay 10% after deductible


Major Services:

You pay 30% after deductible


Orthodontic Services:

You pay 50% after deductible


Cleanings Per Year:

3


Documents
Contacts
View Plan Detail

Vision Plans


Two NEW Enhanced Plans with EyeMed!

These great new plans from EyeMed offer you a range of covered services depending on your vision care needs. Improvements have been made to your Vision Plans while reducing your bi-weekly contributions at the same time.

Plan Options:
Low Plan

Network Coverage:


Exam Copay:

$5 copay every 12 months


Lenses:

$25


Frames:

$200 Allowance Eye Plus INN $150 Allowance OON up to $120


Contacts:

$0 copay; Up to $150 allowance then 15% discount off any balance

High Plan

Network Coverage:


Exam Copay:

$0 copay every 12 months


Lenses:

$10


Frames:

$300 Allowance Eye Plus INN $250 Allowance OON up to $200


Contacts:

$0 copay; Up to $200 allowance then 15% discount off any balance

Documents
Contacts
View Plan Detail

Voluntary Benefits


Included Benefits:

✓ Company-provided $10,000 Basic Life and AD&D


✓ Company-provided Short-Term Disability


✓ Voluntary Long-Term Disability


✓ Voluntary Term Life and AD&D


✓ Accident Insurance


✓ Critical Illness Insurance


✓ Hospital Indemnity Insurance


✓ Pet Insurance

Documents
View Plan Details

Employee Assistance Program


No cost to you!
This EAP is a voluntary and confidential service to help employees and their family members who have concerns that affect their personal well-being and/or work performance. Expert support is available for legal advice, financial guidance, mental health issues, child and elder care, and more.

Documents
Contacts

Health Savings Account


A health savings account (HSA) is a medical savings account that allows you to use pre-tax contributions from your paycheck to cover eligible health care expenses, tax-free.

Flexible Spending Accounts Brand new!


We are adding two brand new Flexible Spending Accounts!

Flexible spending accounts (FSAs) can be used to save money on many common expenses by paying for them with pre-tax dollars. These funds MUST be used by the end of the year or you will lose them! They do not rollover.

Documents
Contacts
View Plan Detail

The 401(k) Plan

Traditional & Roth

Putting money aside for your retirement is easy with the 401(k) Retirement Savings Plan from ADP. The Paper Store will match up to 25% of the first 4% of your contribution.

An employee is vested at 20% once eligible for the plan, and is 100% vested after meeting the 1,000-hour requirement each year for a total of five years.

Once eligible, you will receive plan information from ADP 30 days prior being auto enrolled. The auto-enrollment contribution rate is 1%. If no action is taken, the auto-enrollment contribution will increase an additional 1% to a maximum of 2%.

Eligibility:

✓ 21 years of age on the next plan entry date


✓ Completion of 12 months of service by the next plan entry date


✓ Completion of 1,000 hours in 12 months of service by the next plan entry date


✓ Part-Time Employees: Completion of 500+ hours in 36 months of service by the next plan entry date


Documents
Contacts
View Plan Detail

Medicare

Medicare offers different options for you to get health care coverage. Start here to get the basics and find out how Medicare works before you look at your coverage options.

View Information

Compliance

Your hub for compliance information, forms, and contacts you may not have found elsewhere.

View Information

A Summary of Benefits and Coverage (SBC) has been designed to assist you with better understanding the coverage being offered to you, and to allow you to compare coverage options. The SBC is available on www.thepaperstorebenefits.com. A paper copy is also available, free of charge, by calling 978-263-2198.

The Paper Store permits insurers to offer employees of The Paper Store certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. The Paper Store does not make a contribution towards the cost of these programs and employees pay the full cost of premiums on an after-tax basis. The Paper Store does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. The Paper Store'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and The Paper Store may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. The Paper Store does not receive any consideration in the form of cash or otherwise in connection with the program, other than reasonable compensation, excluding any profit, for administrative services actually rendered in connection with payroll deductions. Accordingly, these voluntary insurance programs are not subject to ERISA and related regulations. All questions or claims regarding these programs should be directed to the insurer.

All benefit plans are governed by master policies, contracts, and plan documents. In the event of any inconsistency between the information contained herein and the applicable plan documents, the provisions of the plan documents shall prevail. The Paper Store reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.

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