Table of Contents
United Healthcare Medical Plans
Kaiser California Medical Plans
Tax Savings Accounts & Commuter
Leave, Disability & Life Insurance
1
Introduction
2
Introduction
CLEAR is proud to offer a comprehensive program of benefits designed to serve the diverse needs of our unique workforce, and we are committed to continually enhancing and expanding our offerings. The information in this document is meant to familiarize you with the benefits and programs currently in place. The information in this guide can help you by providing an overview of the benefits. This booklet also contains information on how to enroll in each benefit plan. Your medical, dental and vision plan payroll deductions are through a pre-tax plan. The plan provides tax savings by reducing employee medical premiums from gross salary prior to calculation of federal income and Social Security taxes. To enroll, you will need to log into Ultipro and complete the enrollment process in a timely manner. Not all team members are eligible for all benefits. The benefits available to you will vary based on your work location, hours scheduled, and classification of employment. |
Review the U.S. Benefits Eligibility Chart here |
2026 Healthcare Plans
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All Employees, Except CA and HI
Medical - All Employees
Except CA and HI employees
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2026 Plan Comparison See below for a side by side comparison of the plan designs, including deductibles, coinsurance, copays, and more. We offer 3 United Healthcare plans, as well as a new Kaiser plan for team members in Georgia, Mid-Atlantic States, Oregon, and Washington. |
Notes: | | | | | | |
- *Kaiser plan is only offered to residents of Oregon, Washington, Georgia (ATL Metro), and Mid-Atlantic States. - The above plans are not offered to Puerto Rico, Hawaii, or California residents. - Surest copays vary by facility/provider. - Kaiser Oregon: primary care is $5 for first 3 visits; then $20 for additional visits in the same year - Kaiser Washington: Emergency room is subject to annual deductible; Urgent care copay is $20 - This summary does not provide a complete description of all benefits, nor does it include all terms and conditions. - If there is any conflict between the information presented here and the official plan documents, the plan documents will govern. | ||||||
Plan Details | Kaiser HMO Plan* | United Healthcare HDHP Core | Surest Copay Plan | United Healthcare Choice Plus PPO | ||
In-Network Only | In-Network | Out-of- Network | In-Network | In-Network | Out-of- Network | |
Plan Network | Kaiser | UHC Core | UHC Choice | UHC Choice Plus | ||
Annual Deductible (Individual / Family) | $2,000 / $4,000 | $1,700 / $3,400 | $3,400 / $6,800 | None | $350 / $700 | $1,000 / $2,000 |
Coinsurance (% You Pay) | 20% | 20% | 40% | Copays Only | 15% | 40% |
Out-of-Pocket Max (Individual / Family) | $4,000 / $8,000 | $3,400 / $6,800 | $6,800 / $13,600 | $6,000 / $12,000 | $3,000 / $6,000 | $6,000 / $12,000 |
Your Costs: Medical Care | ||||||
Preventive Care | $0 (Free) | $0 (Free) | Not Covered | $0 (Free) | $0 (Free) | Not Covered |
Telemedicine | $0 (Free) | 20% After Deductible | 40% After Deductible | $0 (Free) | $25 Copay | 40% After Deductible |
Primary Care / Specialist Visit (incl. mental health) | $20 / $30 Copay | 20% After Deductible | 40% After Deductible | $35 - $140 Copay | $25 / $40 Copay | 40% After Deductible |
Hospital (in- or outpatient, incl. maternity) | 20% After Deductible | 20% After Deductible | 40% After Deductible | Varies by procedure | 15% After Deductible | 40% After Deductible |
Emergency Room | $200 Copay | 20% After Deductible | 20% After Deductible | $850 Copay | $300 Copay | $300 Copay |
Urgent Care | $30 Copay | 20% After Deductible | 40% After Deductible | $90 Copay | $100 Copay | 40% After Deductible |
Your Costs: Prescription Drugs (Generic / Preferred Brand / Non-Preferred Brand) | ||||||
Retail (30-Day Supply) | $10 / $30 / $60 | $15 / $45 / $75 After Deductible | Not Covered | $15 / $45 / $75 | $15 / $45 / $75 | Not Covered |
Mail Order (90-Day Supply) | $20 / $60 / $120 | $30 / $90 / $150 After Deductible | Not Covered | $30 / $90 / $150 | $30 / $90 / $150 | Not Covered |
Medical - All Employees
Except CA and HI employees
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Notes: | | | | | | |
- Team members at EWR, JFK, and LGA: $0 premiums for HDHP, Team Member Only coverage. - The above plans are not offered to Puerto Rico, Hawaii, or California residents. - *Kaiser plan is only offered to residents of Georgia (ATL Metro), Mid-Atlantic States, Oregon,and Washington. | ||||||
Biweekly Rates | | | | |
| Kaiser HMO Plan* | United Healthcare HDHP Core | Surest Copay Plan | United Healthcare Choice Plus PPO |
Team Member Only | $50.40 | $50.40 | $88.32 | $118.56 |
Team Member + Spouse/Partner | $148.80 | $148.80 | $211.68 | $257.28 |
Team Member + Child(ren) | $118.56 | $118.56 | $163.68 | $201.60 |
Family | $216.96 | $216.96 | $307.68 | $368.16 |
| | | | |
Semi-Monthly Rates | ||||
| Kaiser HMO Plan* | United Healthcare HDHP Core | Surest Copay Plan | United Healthcare Choice Plus PPO |
Team Member Only | $54.60 | $54.60 | $95.68 | $128.44 |
Team Member + Spouse/Partner | $161.20 | $161.20 | $229.32 | $278.72 |
Team Member + Child(ren) | $128.44 | $128.44 | $177.32 | $218.40 |
Family | $235.04 | $235.04 | $333.32 | $398.84 |
2026 Contribution Rates Your pre-tax healthcare contributions are deducted from each paycheck, reducing your taxable income. Below are the amounts you can expect to pay each pay period. |
2026 Healthcare Plans
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California Employees, except SFO
Medical - California Employees
Except SFO employees
2026 Plan Comparison See below for a side by side comparison of the plan designs, including deductibles, coinsurance, copays, and more. |
Plan Details | Bronze Plan | Silver Plan | Gold Plan |
In-Network | In-Network | In-Network | |
Plan Network | Kaiser (No Out-of-Network Benefits) | Kaiser (No Out-of-Network Benefits) | Kaiser (No Out-of-Network Benefits) |
Annual Deductible (Individual / Family) | Medical: $4,500 / $9,000 | $2,000 / $4,000 | None |
Coinsurance (% You Pay) | 40% | 20% | None |
Out-of-Pocket Max (Individual / Family) | $6,000 / $12,000 | $4,000 / $8,000 | $1,500 / $3,000 |
Your Costs: Medical Care | |||
Preventive Care | $0 (Free) | $0 (Free) | $0 (Free) |
Telemedicine | $0 (Free) | $0 (Free) | $0 (Free) |
Primary Care / Specialist Visit (incl. mental health) | $50 Copay After Deductible | $20 Copay | $30 Copay |
Hospital (in- or outpatient, incl. maternity) | 40% After Deductible | 20% After Deductible | $500 Inpatient Copay / $100 Outpatient Copay |
Emergency Room | $250 Copay After Deductible | 20% After Deductible | $100 Copay |
Urgent Care | $50 Copay After Deductible | $20 Copay | $30 Copay |
Your Costs: Prescription Drugs | |||
Retail (30-Day Supply) | Generic: $15 Copay Brand: $35 Copay | Generic: $10 Copay Brand: $30 Copay | Generic: $15 Copay Brand: $35 Copay |
Mail Order (100-Day Supply) | Generic: $30 Copay Brand: $70 Copay | Generic: $20 Copay Brand: $60 Copay | Generic: $30 Copay Brand: $70 Copay |
Notes: | | | |
- Plans are only offered to California residents, except for those working at SFO. SFO Employees will have separate plans and rates. - This summary does not provide a complete description of all benefits, nor does it include all terms and conditions. - If there is any conflict between the information presented here and the official plan documents, the plan documents will govern. | |||
Medical - California Employees
Except SFO employees
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Biweekly Rates | | | |
| Bronze Plan | Silver Plan | Gold Plan |
Team Member Only | $0.00 | $19.43 | $114.18 |
Team Member + Spouse/Partner | $143.33 | $204.06 | $247.79 |
Team Member + Child(ren) | $114.18 | $157.91 | $194.35 |
Family | $208.92 | $296.38 | $354.68 |
| | | |
Semi-Monthly Rates | |||
| Bronze Plan | Silver Plan | Gold Plan |
Team Member Only | $0.00 | $21.05 | $123.69 |
Team Member + Spouse/Partner | $155.27 | $221.07 | $268.44 |
Team Member + Child(ren) | $123.69 | $171.06 | $210.54 |
Family | $226.33 | $321.08 | $384.24 |
Notes: | | | |
- Plans are only offered to California residents, except for those working at SFO. SFO Employees will have separate plans and rates. | |||
2026 Contribution Rates Your pre-tax healthcare contributions are deducted from each paycheck, reducing your taxable income. Below are the amounts you can expect to pay each pay period. |
2026 Healthcare Plans
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SFO Airport Employees
Medical - SFO Airport Employees Only
2026 Plan Comparison See below for a side by side comparison of the plan designs, including deductibles, coinsurance, copays, and more. |
Plan Details | Silver Plan | Gold Plan |
In-Network | In-Network | |
Plan Network | Kaiser (No Out-of-Network Benefits) | Kaiser (No Out-of-Network Benefits) |
Annual Deductible (Individual / Family) | $2,000 / $4,000 | None |
Coinsurance (% You Pay) | 20% | None |
Out-of-Pocket Max (Individual / Family) | $4,000 / $8,000 | $1,500 / $3,000 |
Your Costs: Medical Care | ||
Preventive Care | $0 (Free) | $0 (Free) |
Telemedicine | $0 (Free) | $0 (Free) |
Primary Care / Specialist Visit (incl. mental health) | $20 Copay | $30 Copay |
Hospital (in- or outpatient, incl. maternity) | 20% After Deductible | $500 Inpatient Copay / $100 Outpatient Copay |
Emergency Room | 20% After Deductible | $100 Copay |
Urgent Care | $20 Copay | $30 Copay |
Your Costs: Prescription Drugs | ||
Retail (30-Day Supply) | Generic: $10 Copay Brand: $30 Copay | Generic: $15 Copay Brand: $35 Copay |
Mail Order (100-Day Supply) | Generic: $20 Copay Brand: $60 Copay | Generic: $30 Copay Brand: $70 Copay |
Notes: | | |
- Plans are only offered to employees working at SFO airport. CA Employees not working at SFO will have separate plans and rates. - This summary does not provide a complete description of all benefits, nor does it include all terms and conditions. - If there is any conflict between the information presented here and the official plan documents, the plan documents will govern. | ||
Medical - SFO Airport Employees Only
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Biweekly Rates | | |
| Silver Plan | Gold Plan |
Team Member Only | $0.00 | $75.52 |
Team Member + Spouse/Partner | $0.00 | $157.33 |
Team Member + Child(ren) | $0.00 | $136.88 |
Family | $0.00 | $240.72 |
| | |
Semi-Monthly Rates | ||
| Silver Plan | Gold Plan |
Team Member Only | $0.00 | $81.82 |
Team Member + Spouse/Partner | $0.00 | $170.45 |
Team Member + Child(ren) | $0.00 | $148.29 |
Family | $0.00 | $260.79 |
Notes: | | |
- Plans are only offered to employees working at SFO airport. CA Employees not working at SFO will have separate plans and rates. | ||
2026 Contribution Rates Your pre-tax healthcare contributions are deducted from each paycheck, reducing your taxable income. Below are the amounts you can expect to pay each pay period. |
2026 Healthcare Plans
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Hawaii Employees
Medical - Hawaii Employees Only
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Plan Details See below for a summary of the plan design, including deductibles, coinsurance, copays, and more. |
Plan Details | Kaiser HMO In-Network Only |
Annual Deductible | None |
Coinsurance (% You Pay) | 20% |
Out-of-Pocket Max | $2,500 Individual / $7,500 Family |
Your Costs: Medical Care | |
Preventive Care | 0% (Free) |
Primary Care / Specialist Visit (incl. mental health) | $15 Copay |
Hospital (in- or outpatient, incl. maternity) | 10% Coinsurance Maternity: No Charge |
Emergency Room | $100 Copay |
Urgent Care | $15 Copay |
Your Costs: Prescription Drugs | |
Retail (30-Day Supply) | Generic Maintenance Meds: $3 Copay All Other Generics: $10 Copay Brand: $45 Copay |
Mail Order (100-Day Supply) | Generic Maintenance Meds: $6 Copay All Other Generics: $20 Copay Brand: $90 Copay |
Biweekly Rate | | |
Team Member Only | $0.00 | |
Team Member + Spouse/Partner | $282.46 | |
Team Member + Child(ren) | $221.54 | |
Family | $404.31 | |
Note: | | |
- Plan is only offered to Hawaii residents. - This summary does not provide a complete description of all benefits, nor does it include all terms and conditions. - If there is any conflict between the information presented here and the official plan documents, the plan documents will govern. - Team members hired prior to 1/1/24 will pay $0 for family coverage. | ||
2026 Contribution Rates
Your pre-tax healthcare contributions are deducted from each paycheck, reducing your taxable income. Below are the amounts you can expect to pay each pay period.
2026 Healthcare Plans
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Puerto Rico Employees
Medical - Puerto Rico Employees Only
Plan Details See below for a summary of the plan design, including deductibles, coinsurance, copays, and more. |
Plan Details | Triple S: In-Network Only |
Annual Deductible | None |
Coinsurance (% You Pay) | 20% (Applies to Major Medical Coverage) |
Out-of-Pocket Max | $6,350 Individual / $12,700 Family |
Your Costs: Medical Care | |
Preventive Care | 0% (Free) |
Primary Care / Specialist Visit (incl. mental health) | Salus Clinics: $0 Copay Non-Salus Clinics: $10 / $15 Copay |
Hospital (in- or outpatient, incl. maternity) | Preferred: $25 Copay Non-Preferred: $50 Copay |
Emergency Room | Accidents: $0 Copay Illnesses: $75 Copay |
Urgent Care | $35 Copay |
Dental (Preventive & Diagnostic) | $0 Copay |
Vision | Up to $75 for glasses/contacts |
Your Costs: Prescription Drugs (Generic / Preferred Brand / Non-Preferred Brand) | |
Retail (Acute drugs: 15 day supply; Maintenance drugs: 30-day supply) | $10 / $30 / $45 |
Mail Order (90-Day Supply) | $20 / $60 / $90 |
Biweekly Rate | |
Team Member Only | $41.58 |
Team Member + Spouse/Partner | $85.12 |
Team Member + Child(ren) | $66.39 |
Family | $112.53 |
Note: | |
- Plan is only offered to Puerto Rico residents. - This summary does not provide a complete description of all benefits, nor does it include all terms and conditions. - If there is any conflict between the information presented here and the official plan documents, the plan documents will govern. | |
2026 Contribution Rates
Your pre-tax healthcare contributions are deducted from each paycheck, reducing your taxable income. Below are the amounts you can expect to pay each pay period.
Delta Dental Plan
2026 Dental Plan
You can elect dental benefits through Delta Dental. You'll get the best coverage with an in-network Delta Dental PPO dentist, though limited out-of-network benefits are also available.
Plan Details | Delta Dental PPO | |
In-Network | Out-of Network | |
Plan Network | Delta Dental PPO Dentists | All Other Dentists |
Annual Deductible (Individual / Family) | $50 / $150 | $100 / $300 |
Maximum Annual Benefit | $1,500 per Member (Applies to Regular and Major Care) | |
Your Costs: Dental Care | ||
Preventive Care Exams, cleanings, x-rays | 0% (Free) | 30% After Deductible |
Regular Care Including fillings, periodontics, root canals | 10% After Deductible | 40% After Deductible |
Major Care Including oral surgery, crowns, implants, dentures | 40% After Deductible | 50% After Deductible |
Orthodontia (Adults & Children) | 50% After Deductible Subject to $1,000 Lifetime Max | |
Notes: | | |
- This summary does not provide a complete description of all benefits, nor does it include all terms and conditions. - If there is any conflict between the information presented here and the official plan documents, the plan documents will govern. | ||
Biweekly Rates | | |
| Delta Dental PPO | |
Team Member Only | $16.53 | |
Team Member + Spouse/Partner | $35.78 | |
Team Member + Child(ren) | $45.96 | |
Family | $63.70 | |
2026 Contribution Rates
Your pre-tax healthcare contributions are deducted from each paycheck, reducing your taxable income. Below are the amounts you can expect to pay each pay period.
2026 Dental
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All Employees
Delta Dental Plans
2026 Plan Comparison
CLEAR provides two Delta Dental plans. Both cover preventive and major care, but key differences include deductibles, coinsurance, and copays. See the comparison below.
Plan Details | Dental HMO | Dental PPO | |
In-Network Only | In-Network | Out-of Network | |
Plan Network | Delta Care USA | Delta Dental PPO Dentists | All Other Dentists |
Annual Deductible (Individual / Family) | $0 | $50 / $150 | $100 / $300 |
Maximum Annual Benefit | No Maximum | $1,500 per Member (Applies to Regular and Major Care) | |
Your Costs: Dental Care | |||
Preventive Care Exams, cleanings, x-rays | $0 (Free) | 0% (Free) | 30% After Deductible |
Regular Care Including fillings, periodontics, root canals | See Fee Schedule | 10% After Deductible | 40% After Deductible |
Major Care Including oral surgery, crowns, implants, dentures | See Fee Schedule | 40% After Deductible | 50% After Deductible |
Orthodontia (Adults & Children) | See Fee Schedule | 50% After Deductible Subject to $1,000 Lifetime Max | |
Notes: | | | |
- DHMO is not offered in Puerto Rico. - This summary does not provide a complete description of all benefits, nor does it include all terms and conditions. - If there is any conflict between the information presented here and the official plan documents, the plan documents will govern. | |||
2026 Contribution Rates
Your pre-tax healthcare contributions are deducted from each paycheck, reducing your taxable income. Below are the amounts you can expect to pay each pay period.
Biweekly Rates | | | |
| Dental HMO | Dental PPO | |
Team Member Only | $6.18 | $16.53 | |
Team Member + Spouse/Partner | $12.18 | $35.78 | |
Team Member + Child(ren) | $14.12 | $45.96 | |
Family | $20.10 | $63.70 | |
| | | |
Semi-Monthly Rates | | | |
| Dental HMO | Dental PPO | |
Team Member Only | $6.70 | $17.91 | |
Team Member + Spouse/Partner | $13.20 | $38.77 | |
Team Member + Child(ren) | $15.30 | $49.80 | |
Family | $21.78 | $69.01 | |
Note: SFO Airport Employees will have separate rates for the dental plans. | |||
Dental - SFO Airport Employees Only
2026 Plan Comparison
CLEAR provides two Delta Dental plans. Both cover preventive and major care, but key differences include deductibles, coinsurance, and copays. See the comparison below.
Plan Details | Dental HMO | Dental PPO | |
In-Network Only | In-Network | Out-of Network | |
Plan Network | Delta Care USA | Delta Dental PPO Dentists | All Other Dentists |
Annual Deductible (Individual / Family) | $0 | $50 / $150 | $100 / $300 |
Maximum Annual Benefit | No Maximum | $1,500 per Member (Applies to Regular and Major Care) | |
Your Costs: Dental Care | |||
Preventive Care Exams, cleanings, x-rays | $0 (Free) | 0% (Free) | 30% After Deductible |
Regular Care Including fillings, periodontics, root canals | See Fee Schedule | 10% After Deductible | 40% After Deductible |
Major Care Including oral surgery, crowns, implants, dentures | See Fee Schedule | 40% After Deductible | 50% After Deductible |
Orthodontia (Adults & Children) | See Fee Schedule | 50% After Deductible Subject to $1,000 Lifetime Max | |
Notes: | | | |
- This summary does not provide a complete description of all benefits, nor does it include all terms and conditions. - If there is any conflict between the information presented here and the official plan documents, the plan documents will govern. | |||
Biweekly Rates (SFO Airport) | | | |
| Dental HMO | Dental PPO | |
Team Member Only | $0.00 | $16.53 | |
Team Member + Spouse/Partner | $0.00 | $35.78 | |
Team Member + Child(ren) | $0.00 | $45.96 | |
Family | $0.00 | $63.70 | |
Note: The above rates are applicable to team members at SFO Airport. | |||
2026 Contribution Rates
Your pre-tax healthcare contributions are deducted from each paycheck, reducing your taxable income. Below are the amounts you can expect to pay each pay period.
Delta Dental Plans
Not sure which dental plan to choose? Let’s take a closer look…
Below is additional information to help you decide which dental plan is best for you.
Visit benefits.clearme.com/health-wellbeing/dental-vision for more info
Feature | Dental HMO | Dental PPO |
Out-of-network coverage | X | ✔ |
Designation of primary care dentist required | ✔ | X |
Flat copays for all services | ✔ | X |
Free cleanings every 6 months | ✔ | ✔ |
Adult & child ortho coverage | ✔ | ✔ |
The Dental HMO is cheaper but requires you to choose a primary dentist in the DeltaCare USA network, with coverage limited to that dentist.
If you want the freedom to see any dentist, the Dental PPO’s higher cost may be worth it!
2026 Vision
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All Employees
VSP Vision Plan
Vision Plan Overview
NEW for 2026, CLEAR will be partnering with VSP for our vision coverage. You'll get the best coverage with an in-network VSP doctor, though limited out-of-network benefits are also available.
Biweekly Rates | | |
Team Member Only | $2.88 | |
Team Member + Spouse/Partner | $5.77 | |
Team Member + Child(ren) | $6.17 | |
Family | $9.86 | |
| | |
Semi-Monthly Rates | | |
Team Member Only | $3.13 | |
Team Member + Spouse/Partner | $6.25 | |
Team Member + Child(ren) | $6.69 | |
Family | $10.69 | |
Visit benefits.clearme.com/health-wellbeing/dental-vision for more info
Plan Details | Vision | |
In-Network | Out-of Network Reimbursement | |
Plan Network | VSP Choice | N/A |
Your Costs: Vision Care | ||
Annual Exam | $5 Copay | Up to $45 |
Frames Every Other Calendar Year | $200 allowance | Up to $90 |
Lenses Every Calendar Year | Standard Prescription Glasses: $10 Copay Premium progressive: $95 - $105 Custom Progressive: $150 - $175 | Single: Up to $30 Bifocal: Up to $50 Trifocal: Up to $65 Progressive: Up to $50 |
Elective Contact Lenses Once every calendar year in lieu of glasses | $150 allowance | Up to $125 |
Notes: | | |
- This summary does not provide a complete description of all benefits, nor does it include all terms and conditions. - If there is any conflict between the information presented here and the official plan documents, the plan documents will govern. | ||
2026 Contribution Rates
Your pre-tax healthcare contributions are deducted from each paycheck, reducing your taxable income. Below are the amounts you can expect to pay each pay period.
Tax Savings Accounts
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Tax Savings Accounts
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| HSA | Health FSA | LPFSA |
Available if you are enrolled in: | UHC HDHP Core Plan | Kaiser HMO UHC Surest Copay Plan UHC Choice Plus Waive CLEAR Medical | UHC HDHP Core Plan + HSA |
Do unused funds carry over from year to year? | Yes | 2026 year-end: Up to $680 Annually | 2026 year-end: Up to $680 Annually |
What expenses are covered? | Medical, Dental and Vision | Medical, Dental and Vision | Dental and Vision |
Can I change my contribution amount at any time? | Yes | No, unless you experience a qualifying life event. | No, unless you experience a qualifying life event. |
Can I keep my account if I leave CLEAR? | Yes | No | No |
Can I access my annual election at the beginning of the year? | No, only funds deposited to date. | Yes | Yes |
How much can I contribute each year (2026)? | Self-only: $4,400 Family: $8,750 55+ Catch Up: $1,000 | $3,400 | $3,400 |
Do I need to re-enroll each year? | No, your elections will automatically roll over each year. | Re-enrollment required annually. | Re-enrollment required annually. |
Introduction
Tax Savings Accounts Overview CLEAR is partnered with Optum Financial to administer the following tax-favored benefits:
Healthcare Spending Accounts Comparison |
Visit benefits.clearme.com/financial-supplemental-benefits/Spending-Accounts for more info
DID NOT REVIEW AFTER THIS PART OF THE DECK - HEATHER
Commuter Benefits
Commuter Benefits Overview
Through our partnership with ConnectYourCare, you can pay for your parking and/or public transit expenses with pre-tax dollars. You can opt in or out of this benefit at any time before the monthly order deadline, which falls on the 10th of every month. For example, if you are looking to place or cancel your commuter order for the month of June, the deadline to do so would be May 10th.
Login to Optum to manage this benefit.
Payroll deductions will generally occur on the first pay date of the month.
IRS Monthly Contribution Limits:
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Visit benefits.clearme.com/financial-supplemental-benefits/Spending-Accounts for more info
401(k) Retirement
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401(k) Retirement
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Introduction
A 401(k) is an employer-sponsored retirement savings plan - it’s never too soon to start planning for the future! Importantly, a 401(k) account lets you save and invest a piece of your paycheck, pre-tax or post-tax. Register with Empower today at www.empowermyretirement.com to view and manage your 401(k) or call Empower at 877-456-4015. Register your account today to take advantage of the following services:
CLEAR Match: CLEAR is investing in your future! Up to 3.5% of your base salary will be matched by CLEAR when you contribute to your 401(k):
That’s additional money toward your retirement—just for saving! Vesting Requirements: Matching funds now vest in just 2 years (previously 3), so you’ll own those dollars even sooner. *Vesting is based on your most recent hire date. New to CLEAR? You will be eligible to participate in the plan after six months of employment. You will be auto-enrolled at 3%. Important note! If you are hired by CLEAR mid-year and have already contributed to a 401(k) plan under a previous employer, you may be at risk of going over the IRS contribution limits. The IRS annual limit applies to your total contributions across all 401(k) plans, the limit is NOT per employer. It is your responsibility to keep track of this and ensure your CLEAR contributions + contributions under a prior employer(s)’ plan do not exceed the annual IRS limit. |
Commuter Benefits
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Commuter Benefits
Through our partnership with ConnectYourCare, you can pay for your parking and/or public transit expenses with pre-tax dollars. You can opt in or out of this benefit at any time before the monthly order deadline, which falls on the 10th of every month. For example, if you are looking to place or cancel your commuter order for the month of June, the deadline to do so would be May 10th.
Payroll deductions will generally occur on the first pay date of the month.
IRS Monthly Contribution Limits:
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Visit benefits.clearme.com/financial-supplemental-benefits/Spending-Accounts for more info
Disability &
Life Insurance
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Disability & Life Assurance
If you need to take time off work for your own health condition, then you may be entitled to take a medical leave of absence under FMLA.
If you are eligible for CLEAR benefits and unable to work because of a non-work related injury or illness, you can also apply for disability benefits, which offer income replacement while you are unable to work. Short-term (STD) and Long-term Disability (LTD) coverage is automatically provided to all benefits-eligible CLEAR team members at no cost to you! You will be eligible for these benefits on your 91st of employment.
If you need to miss 3 or more consecutive days of work due to your own health condition, you will be asked to apply for medical leave through our administrator, Unum. This ensures your job and benefits will be protected during your time off, so long as your claim is approved by Unum.
How to Contact Unum
Contact Unum online, via phone, or through the Unum mobile app when you need to request medical leave.
Online: https://portal.unum.com/
Phone: 866-868-6737; Hours of operation are M–F, 8:00 a.m. to 5:00 p.m. EST
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Visit benefits.clearme.com/time-off/medical-leave for more info
Disability & Life Assurance
Family and Medical Leave Act (FMLA)
The Family and Medical Leave Act (FMLA) provides eligible team members with up to 12 weeks of unpaid, job-protected leave per year. Select health benefits are also protected while you are out on a covered leave. You are eligible for FMLA if you have worked for CLEAR for at least 12 continuous months, and have worked at least 1,250 hours over the past 12 months.
This leave is unpaid, unless you’re approved for CLEAR disability or state programs. CLEAR disability benefits will run concurrent with FMLA and any state/local leaves.
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Disability & Medical Leave
How do I apply for medical leave?
Contact Unum online, via phone, or through the Unum mobile app when you need to request medical leave under FMLA and/or short-term disability.
Online: https://portal.unum.com/
Phone: 866-868-6737; Hours of operation are M–F, 8:00 a.m. to 5:00 p.m. EST
You'll need the below information when calling to file a claim:
When should I apply for medical leave?
Anticipated/known leaves (i.e. elective surgery or parental): team members should contact Unum as soon as they know their anticipated date of disability (i.e. date of surgery or expected due date), even if it is several months out.
Unexpected illness or accident: team members should contact Unum to file a STD claim after missing 3 consecutive days of work or as soon as they anticipate they will miss more than a week of work (whichever is sooner). In the event the team member is unable to file their own claim, the People Team can do so on their behalf.
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Short-Term Disability (STD)
Short Term Disability Waiting Period: 90 days
You must be continuously disabled for 7 days as determined by our administrator, Unum, before STD benefits are payable - this is called the elimination period. You must use PTO or sick days to cover the elimination period, or this time will be unpaid.
STD benefits begin on the eighth day of your disability and continue for up to 26 weeks. After STD is exhausted, you will need to apply for Long-Term Disability (LTD). Unum will assist you in applying for LTD and if approved, assist with the transition from STD to LTD.
CLEAR STD will run concurrent with FMLA and any state/local leaves.
If you work in California, Colorado, Connecticut, Delaware, District of Columbia, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Oregon, Rhode Island, Washington, or any other state with paid statutory leave: you may be eligible for paid leave benefits through the state. You are strongly encouraged to apply for state benefits. Your CLEAR STD benefit will be offset by the amount of state benefits you are eligible to receive, regardless of if you apply or not. Additional information and instructions on how to apply for state benefits can be found here.
Short Term Disability Pay:
CLEAR's Short-Term Disability plan provides a benefit equal to 100% of your base earnings, with no weekly maximum for the first 8 weeks. If you are unable to work for more than 8 weeks, your benefit will be reduced to 50% of your base earnings up to a weekly maximum of $1,000 for the duration of your STD claim up to a maximum of 26 weeks.
Your base earnings are defined as your weekly earnings not including shift differential before your first date of disability; excluding overtime, commissions, bonuses, and any other extra compensation.
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Long-Term Disability (LTD)
Long-Term Disability (LTD) begins when STD ends, if you become totally disabled and are unable to work after 180 days of continuous disability or 26 weeks of STD, whichever is later. LTD pays a benefit of 60% of your total monthly earnings (see definition below).
The maximum monthly benefit under LTD is $5,000 for salaried team members employed by Secure Identity, LLC and $1,000 for all other team members.
Total monthly earnings is defined as your average monthly earnings from the W-2 form (the box which reflects wages, tips and other compensation) received from CLEAR for the previous calendar year immediately before the first date your Total or Partial Disability begins, or your average monthly earnings for your period of employment if employed for less than a full calendar year.
Termination of Benefits
If you are out for 26 weeks or longer, your Medical, Dental, Vision coverage will end at the end of the month in which you reach the short-term disability maximum duration (26 weeks of being totally disabled). You may be eligible to continue coverage under COBRA and will receive a COBRA packet in the mail from our COBRA administrator, ConnectYourCare. This packet will contain instructions for how to enroll in COBRA coverage and pay your premiums.
If you are approved for long-term disability, you may also qualify for waiver of premium for life insurance. If approved, your life insurance will continue while you are out on long-term disability. If your waiver of premium claim is denied by Unum, you will have the option to convert your life insurance coverage to an individual policy.
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Short and Long Term Disability Pay
How are STD benefits paid?
If you are paid hourly
STD benefit payments minus any applicable offsets for other income benefits will be reported on paystubs in the earnings section, line item Disability/FML
If you are salaried:
If not receiving other income benefits, such as state disability benefits, you will continue to be paid as normal and will not see any changes to your regular paystub for the first 8 weeks of STD. After which, your STD benefit will be reduced in half.
If you are receiving or are eligible for other income benefits such as California state disability, your regular pay will be offset by the amount of your other income benefits. This offset will be shown as a negative earning on your pay stub next to line item Disability/FML
How are LTD benefits paid?
LTD benefits are paid directly to you by Unum. Your first payment will be a physical check sent in the mail. After that, you will have the option to enroll in direct deposit.
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Life Insurance
CLEAR offers programs to help ensure financial security for you and your family. We also provide access to supplemental life insurance benefits designed to help you save money on valuable life insurance coverage.
As a benefits-eligible employee, you automatically receive company-paid life and accidental death and dismemberment (AD&D) insurance at no cost to you.
You also have the option to purchase additional supplemental life insurance for yourself and your family. Please be sure to confirm and if needed, update, your beneficiary information each year.
All coverage is provided by Unum. All life Insurance coverage is Group Term Life coverage.
Basic Life and Accident Insurance (CLEAR Paid)
As a benefits-eligible employee, you automatically receive company-paid Life and Accidental Death and Dismemberment (AD&D) insurance at no cost to you. The amount of coverage varies based on your salary and job type. In order to review how much coverage you have, follow the below steps to view in Ultipro
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Life Insurance
Supplemental Life and Accident Insurance (Employee Paid)
As a benefits-eligible employee, you also have the option to purchase additional Supplemental Life and AD&D Insurance for yourself and your family, which would be on top of Basic Life and Accident Insurance.
To cover your spouse or dependents, you as the employee, MUST also participate in the supplemental life coverage.
You may elect coverage in $1,000 increments up to a maximum of:
*Note: dependent life coverage may not exceed 100% of your employee supplemental life coverage. Meaning if you elect $50,000 in employee life coverage, you could elect up to $50,000 in spouse life coverage + up to $10,000 in child life coverage, for a total of $60,000 in dependent life coverage.
Any life coverage elections over the guaranteed issue amount will require Evidence of Insurability (EOI). Guaranteed issue amounts are:
If you and/or your spouse/domestic partner do not enroll in CLEAR's Supplemental Life Insurance when first eligible, you will have to provide EOI to enroll in coverage at a later date.
Open Enrollment exception: each year during Open Enrollment, you will be able to increase your existing coverage amount by up to $10,000 without having to provide EOI. Any amounts above the above state guaranteed issue amounts would still require EOI.
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Emotional Wellbeing
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Emotional Wellbeing
At CLEAR, we're committed to supporting the mental health and well-being of our employees. We offer resources like our employee assistance program, virtual therapy and coaching, and self-care apps to ensure our team members have access to the support they need.
Employee Assistance Program (EAP)
What services does EAP provide?
How to contact EAP:
Phone support: 1-800-854-1446
Online support: unum.com/lifebalance
Company name: Secure Identity LLC
In-person: Team members and their family members can get up to three visits per person, available at no additional cost to you with a Licensed Professional Counselor. Your counselor may refer you to resources in your community for ongoing support.
Unum's EAP services are available to all U.S.-based team members, their spouses or domestic partners, dependent children, parents, and parents-in-law.
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