The Paper Store | BenefitsHub

2023

Benefits Hub


The Benefits Hub is a one-stop shop for all of your year-round benefits needs. Get access to everything you need – plan documents, contact information, plan information, in-network provider search, and more – at the click of a button!

To get started, click a Plan Icon or just continue scrolling.

Scroll down to view your 2023 benefits!

Looking for 2022 benefits?
Click here →


Medical Plans

Exciting Changes

In-network costs shown.

Exciting Plan Enhancements

The overall health and well-being of your family is our top priority. This year, we’ve made tremendous improvements to our plans while keeping your bi-weekly contributions the same.

Grandfathered Plans Are No Longer Offered

The Grandfathered plans are no longer being offered. If you are currently enrolled in one of these grandfathered plans, you MUST reelect a new medical plan if you wish to be covered in 2023.

Health Savings Account (HSA) Contributions

If you enroll in the PPO Saver w/HSA Plan, you may elect and contribute to a Health Savings Account. You may contribute $3,850 as an individual or $7,750 as a family to this account.

Plan Options:
Your plan offerings depend on where you live. Click the appropriate button below to view plan information.

Advantage HMO

State Availability:

   


Preventive Care:

$0


Primary Care Office Visit:

$15 copay

Reduced from $25

Deductible:

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

Reduced from $2,000(I) / $4,000 (F)
Advantage PPO

State Availability:

             


Preventive Care:

$0


Primary Care Office Visit:

$25 copay


Deductible:

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

PPO Saver w/HSA
New

State Availability:

             


Preventive Care:

$0


Primary Care Office Visit:

You pay $0 after deductible


Deductible:

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



If you live in Massachusetts, New Hampshire, or Rhode Island, you are in the Tufts network. All other states are in the Cigna network.

Documents
Contacts
View Plan Details

Prescription Drug


Prescription Drug benefits are covered through your medical plan.

Documents
Contacts
View Plan Details

Dental Plans

now with delta dental

Three Brand New Dental Plans!

There are three new benefit plans to chose 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:

$50 (I) / $150 (F)


Basic Services:

You pay 40% after deductible


Major Services:

N/A


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
Brand new

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

now with eyemed

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:

$0 copay; Up to $150 allowance then 20% discount off any balance


Contacts:

$0 copay; Up to $150 allowance then 100% discount off any balance

High Plan

Network Coverage:


Exam Copay:

$5 copay every 12 months


Lenses:

$10


Frames:

$0 copay; Up to $250 allowance then 20% discount off any balance


Contacts:

$0 copay; Up to $200 allowance then 100% discount off any balance

Documents
Contacts
View Plan Detail

Voluntary Benefits


Included Benefits:

now with the hartford

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


✓ Company-provided Short-term Disability


✓ Voluntary Long-term Disability


✓ Voluntary Term Life and AD&D



now with aflac

✓ Accident Insurance


✓ Critical Illness Insurance


✓ Hospital Indemnity Insurance



remains unchanged

✓ 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

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% on the first 4% of your contribution.

An employee is vested at 20% once eligible for the plan, and is 100% vested after meeting the 1000-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 1000 hours in 12 months of service by the next plan entry date


Documents
Contacts
View Plan Detail

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.