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Your Finances

TEAM Services Group is committed to helping you achieve financial success. Take advantage of the tools and resources available for financial planning and savings, which will empower you to build a secure future.

Life and AD&D

TEAM Services Group offers Life and Accidental Death and Dismemberment (AD&D) coverage through Lincoln Financial to support your family financially if the unexpected occurs. Benefits also include will and trust preparation, travel assistance and beneficiary services.

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Basic Life and AD&D

Basic Life and AD&D Insurance is employer-paid and offers a maximum benefit of $15,000. Benefit reductions apply at ages 65 and 70.

For more information on the plan, review the Basic Life and AD&D Summary.

Voluntary Life and AD&D

If you want added protection, you can purchase Voluntary Life and AD&D Insurance for yourself, your spouse and your child(ren). Voluntary Life and AD&D coverage is 100% employee-paid.

  • For you: Coverage is available in increments of $10,000, up to the lesser of five times your salary or $500,000, with a guaranteed issue amount of $200,000. For elections above $200,000, you will be asked medical questions, referred to as Evidence of Insurability (EOI).
  • For your spouse: Coverage is available in increments of $5,000, up to $250,000, but cannot exceed 50% of the employee’s amount. The guaranteed issue for spouses is $50,000.
  • For your dependent(s) up to age 26: Coverage is available in increments of $1,000, up to $10,000.

Rates are age-banded and based on employee age for spouse. See the Benefits portal and the benefit summary for costs per pay period.

Note: Some Voluntary Life and AD&D elections may require Evidence of Insurability (EOI), depending on the coverage amount. If EOI is needed, coverage won’t begin until approval is received, which can delay the start of insurance.

For more information on the plan, review the Voluntary Life and AD&D Summary.

Review Your Beneficiaries

Be sure to review your beneficiaries for your Life and AD&D Insurance during Open Enrollment to ensure they’re up to date. Beneficiary information can be updated at any time during the year in the enrollment portal.

Permanent Life

TEAM Services Group offers permanent life insurance through Mass Mutual. Permanent life insurance provides lifelong coverage and builds cash value over time. Unlike Basic and Voluntary Life Insurance, it does not expire and can be used to pay for costs like estate taxes, long-term care or final expenses. Policyholders can access the cash value through loans or withdrawals and the death benefit is paid tax-free to beneficiaries.

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Coverage Details
Coverage starts at a minimum of $10,000 in increments of $5,000, with a guaranteed issue maximum of $150,000 and an express issue maximum of $250,000 per enrollment. The plan also includes an accelerated death benefit for terminal or chronic illness and offers dependent coverage for spouses up to $25,000 and children or grandchildren up to $25,000.

Note: Guaranteed Issue maximum includes amounts from all certificates. Coverage limited to $1,000,000 lifetime maximum across all certificates. Employee coverage must be equal to or greater than dependent coverage. Minimum dependent coverage: $10,000 in increments of $5,000 up to $25,000.

Useful Terms to Know
Guaranteed Issue means you can elect coverage, up to $150,000, without answering any health questions. This is your opportunity to have coverage automatically approved, as long as you enroll when you first become eligible.

Express Issue allows you to apply for a higher amount, up to $250,000 per enrollment, but it requires you to answer some health questions and be approved based on your responses.

For more information, visit massmutual.com, download the Mass Mutual mobile app or call 1-800-272-2216.

Disability

TEAM Services Group gives you the opportunity to purchase Long-Term Disability coverage through Lincoln Financial. Disability insurance pays you a portion of your regular earnings to help you continue to pay your bills and meet your financial obligations if you are unable to work due to illness or injury.

Long-Term Disability

See the Long-Term Disability Summary for more information on the plan.The Long-Term Disability benefit is 60% of your earnings up to $10,000 per month. Benefits begin 90 days after an accident or illness, or when Short-Term Disability benefits end. Benefits end at Social Security Normal Retirement Age (SSNRA).

Note for employees with prior Long-Term Disability coverage: Pre-existing conditions limitations do not apply.

See the Long-Term Disability Summary for more information on the plan.

For more information, visit lincolnfinancial.com, download the Lincoln Financial Mobile app or call 1-800-423-2765.

Flexible Spending Account (FSA): Transit Benefit for Philadelphia Residents

If you reside in the Philadelphia area, you may take advantage of the transit benefit administered by WEX. This benefit allows you to set aside up to $340 per month in 2026 and $350 per month in 2027 on a pre-tax basis for your commuting expenses to and from work. Because contributions are deducted from your paycheck before taxes are taken out, you reduce your taxable income, which means there’s less money for the government to tax, so you save on taxes!

Get Started

 Visit the WEX website at customer.wexinc.com/login/, download the Benefits by WEX mobile app or call 1-833-225-5939 to manage your account. You can change your election on a monthly basis.

Ready to Enroll?

Go to our personalized Benefits Portal to enroll in your benefits.

Visit Benefits Portal