Spear PT - 2026 Benefit Guide

Benefits for 2026

Table of Contents

Introduction

3

Overview of Benefits Programs

4

ALEX

7

Medical Benefits

8

Virtual Primary Care

15

MDLive

16

CancerCARE+

17

KISx Card

18

Critical Illness Insurance

19

Accident Insurance

20

Hospital indemnity Insurance

21

Dental Benefits

22

Vision Benefits

23

Life Insurance

24

Short-term Disability Insurance

25

Long-term Disability Insurance

26

Employee Assistance Program (EAP)

27

Flexible Spending Account (FSA)

28

Norton LifeLock

29

LegalEASE

30

Qualifying Life Event

31

Online Enrollment

32

Contact Page

33

Notes Page

34

Legal Notices

35

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

2026 Employee Benefit Guide

2

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