Senior Solutions 2026 Caregiver Benefits Information

Benefits Reference

Review this information to understand benefit options, enrollment timing, hour requirements, Principal 401(k) details, Zingage Rewards, and where to send benefits questions.

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Overview

Welcome to the SSHC team. You have been hired as a caregiver. Caregivers may be eligible for benefits as either part-time or full-time employees based on hours worked.

Most Important Reminder Complete your benefit elections within the first 30 days of employment. If you do not enroll during your initial eligibility window, you must wait until the next annual open enrollment period unless you experience a qualifying life event.

Available Options

Medical, dental, vision, life, and disability insurance may be available.

Coverage Timing

If enrolled on time, coverage becomes effective the first day of the month following 60 days of employment.

Updated

This benefits information was updated in February 2026.

Benefit Eligibility & Enrollment

You may enroll in available benefit options, including medical, dental, vision, life, and disability insurance, provided you complete your benefit elections within the first 30 days of employment.

If enrolled on time, coverage becomes effective on the first day of the month following 60 days of employment.
If you do not enroll during your initial eligibility window, you will not be eligible to enroll until the next annual open enrollment period unless you experience a qualifying life event.
Benefit eligibility is based on hours worked and plan rules.

Work Hour Requirements & ACA Measurement Periods

Benefit eligibility for caregivers is determined based on average hours worked, in accordance with the Affordable Care Act (ACA).

Part-Time Caregivers

Must maintain an average of at least 20 hours per week. Part-time caregivers are eligible to enroll in available benefit options and are responsible for the full cost of elected benefits unless otherwise stated in plan documents.

Full-Time Caregivers

Must maintain an average of at least 30 hours per week. Full-time status is determined based on hours worked during the 11-month measurement period.

Eligibility Review

Eligibility is reviewed at the end of the measurement period.

Caregivers are expected to consistently accept and work available shifts to meet required hour thresholds. Failure to maintain required hours due to missed, declined, or canceled shifts within the caregiver’s control may result in loss of benefit eligibility.

Benefits will end in accordance with plan rules. The caregiver will need to wait until the next annual open enrollment period or experience a qualifying life event to re-enroll.

Absences protected by applicable law, including approved medical leave or FMLA, will not negatively impact benefit eligibility.

Employer Contribution

Caregivers determined to be full time under ACA guidelines are eligible for an employer contribution toward medical coverage.

Full-Time Caregivers Only SSHC will pay 50% of the employee-only medical premium for employees that are determined to be Full Time in accordance with our eligibility rules.

Benefit Providers

The current benefit providers listed in the 2026 benefits information are APEX and UNUM.

Medical Insurance

APEX

Dental & Vision Insurance

UNUM

Life & Disability Insurance

UNUM

Principal EASE 401(k) Plan

The Principal EASE 401(k) Plan is available to eligible employees through Principal Life Insurance Company. This retirement plan allows you to contribute a portion of your pay each payroll period to help prepare for long-term financial needs.

Action Required If You Do Not Want to Participate The plan automatically enrolls eligible employees at 3% of compensation 6 months after the start date. Changes to contribution rates can be made at any time by visiting principal.com.

Initial Eligibility

You must be at least age 18 and have worked for the company for at least 6 months. For rehires, the 6-month period is based on the original hire date.

Entry Dates

After meeting eligibility requirements, newly eligible employees may enroll on the next entry date. The plan provides monthly entry dates.

Plan Number

Principal EASE 401(k) Plan under Independent Home Care Management, plan number 4-72185.

Deductions for the 401(k) program begin on the first of the month after you work 6 months, including the original start date for rehires.

You may elect to save up to 100% of your income. For current IRS contribution limits, including the age 50+ catch-up limit, reference www.nbsbenefits.com/limits.

Employee contribution options include Pre-Tax and Roth contributions. You may change the amount of your contribution per payroll period on the Principal website.

You always own 100% of the contributions you make to the 401(k) and their earnings.

You or your beneficiary may be able to withdraw your vested balance upon retirement, severance of service, reaching age 59 1/2, total disability, death, hardship, or loan. A processing fee may apply to distributions as disclosed in the supplemental 404(a)(5) notice provided by HR.

Go to principal.com to change your election rate or choose a 0% contribution election. The FAQ also lists this Principal login link for opt-out access: Principal login / opt out.

The automated phone system can take roughly 24–48 hours to process an opt-out. Opting out through your Principal web account updates nightly.

Eligible employees are automatically enrolled unless they opt out. There is no specific time you must opt out of the plan, and 401(k) does not have an open enrollment period.

People Services can answer general questions, but specific questions about your 401(k) contribution plan should be directed to Principal at 800-547-7754. Principal is available Monday through Friday, 7:00 AM to 9:00 PM CT.

Yes. Principal representatives can help you with combining another 401(k) plan with this one.

Zingage Rewards

Zingage Rewards is our caregiver recognition and rewards program for celebrating great work and engagement.

Benefit Resources

A detailed Benefits Guide, including plan descriptions and employee costs, is available through the QR code below and in Paylocity.

Benefits VideoScan this QR code to view the benefits video.

Benefit InfoScan this QR code to access benefit information and plan details.

Open Enrollment & Qualifying Life Events

Open enrollment is held annually during the month of November.

Certain qualifying life events, such as marriage, divorce, birth, adoption, or loss of other coverage, may allow enrollment or changes outside of open enrollment.

Questions

Any questions around benefits should be sent by email to [email protected].

Benefits Email Send benefits questions to [email protected].

2026 Caregiver Benefits Information