Eligibility
and enrollment for truck driver benefits start at different intervals depending
on your circumstances read
more...
United
Health Care Insurance is Roehl's medical and dental insuance carrier and provides
easy access to information about your policy online. read
more...
As
a professional over the road truck driver you earn a wage that provides for
a high quality of life. A good life insurance plan can provide the necessary
protection for your family read more...
Truck
driving careers come with some unique hazards. Disability insurance for truck
drivers is designed to help meet your financial needs in the event you are
injured and can't work. read
more...
Unlike
our group health plans these plans are totally owned and controlled by you read
more...
Flex
spending allows you to withhold earnings from your paycheck before they're
taxed. read more...
Roehl
drivers receive annual profit sharing bonuses deposited into their 401(k) read
more...
You
deserve a break once in a while. In addition to fleets with guaranteed home
time, you can count on earning vacation time as well. read
more...
We
understand that great paying trucking jobs don't come without sacrifice, like
being away from home and your family. Roehl's rider policy allows you to connect
with family and still earn paycheck. read
more...
For
more information on who to talk to about your benefits as a Roehl Driver,
this chart should help save you time by getting you to the correct person
right away. read
more...
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Flex Spending
Our Flex Plan allows you the option of pre-tax payroll deduction for unreimbursed medical expenses and child/ dependent care expenses.
By participating in our Flex Plan, you pay certain medical expenses and adult and child dependent care with “UNTAXED” dollars. You save substantial tax dollars and increase your net take home pay.
You are eligible to participate in the plan if you are a full-time employee. Initial enrollment must be completed during your first month of employment and will be effective for the balance of the calendar year. You must re-enroll annually (each December) as long as you want to continue taking advantage of the savings opportunity the plan offers.
You can use the Flex Plan for reimbursement of qualifying medical care expenses not reimbursed by insurance. Some examples of reimbursable expenses are deductibles and co-payments, eye exams, glasses and prescription expenses not covered by the medical plan. Eligible expenses are defined by Tax Code Section 213(d). In most instances, expenses related to cosmetic procedures (e.g., teeth bleaching, plastic surgery, etc.) are not eligible for reimbursement. Please check with United Healthcare if you are not sure if an expense qualifies. The maximum you can contribute for medical expenses is $3,120 annually.
The Flex Plan also allows you to use pre-tax dollars for dependent care expenses. For example, if you spend $96.15 per week on daycare expenses for a dependent child, using the Flex Plan means that you’ll pay no income tax on over $5,000 of your pay in a year! The maximum you can contribute for dependent care is $5,000 annually (or $2,500 if you are married filing separately). Eligible dependents may be a child under age 13 or any disabled adult you claim as a deduction on your personal income tax return. If you also have our medical insurance, United Healthcare will automatically send you a check from your account for deductibles, co-payments and coinsurance. If you don’t have our medical insurance, you’ll receive a debit card to use to pay for qualifying expenses. You’ll also receive a debit card if you have our medical insurance and also signed up for Flex.
Elections cannot be changed or revoked during the plan year. However, there is an exception for a change in family status. This includes marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment and other events that the Administrator determines will permit a change or revocation of an election during a plan year.
Use it or lose it!
You should review your expenses carefully before making an election to minimize or eliminate any unused benefits at the end of the year. However, if you don’t spend all your dollars within the plan year, you can continue to use those dollars for qualified expenses until March 31st of the following year. If you’re not able to use up the money by then, the IRS requires you to forfeit the balance remaining in your account. Please estimate your expenses carefully.
By electing to redirect a portion of your salary to your Flex Plan, you essentially “bank” your money in a tax-free account. The money can be used to pay for all those co-pays, deductibles and other uncovered expenses that you formerly paid with after-tax dollars. You’re saving tax dollars because you are paying for the benefits through the Flex Plan. In order to be reimbursed, you’ll need a claim form and your Explanation of Benefits Statement. For dependent care services, you will need a claim form and signed receipt from the provider.
| Without a flex plan | With a flex plan | Benefit bank | |
|---|---|---|---|
| Weekly Wage | $900 | $900 | |
| Contribution to Flex Plan | ($100) | $100 | |
| Taxable Wage | 900 | 800 | |
| Taxes | (249) | (241) | |
| Wages after Taxes/Take Home Pay | 651 | 579 | |
| Reimbursement from Flex Plan | 100 | (100) | |
| Net Take Home Pay | 651 | 679 | |
| Net Weekly Savings with a Plan | 28 | ||
| Net Annual Savings | $1456 | ||
| Taxes will vary based on individual circumstances. This example is for illustration only. | |||