Spear PT - 2026 Benefit Guide

Benefits for 2026

What if I don’t need benefits?

• You can choose to waive coverage now

• Once you make your elections, they will remain in effect until the next open enrollment period

• Updates can be made with “Qualified Life Event” (QLE) • Marriage • Divorce • Birth of a child • Child turns 26 and ages off your plan What if I have a Qualified Life Event?

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

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