DeVal Lifecycle
2026 Employee Benefits Guide & Overview

Introduction

As an employee of DeVal Lifecycle, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction, and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.

For the 2026 plan year, DeVal Lifecycle has worked hard to offer a competitive total rewards package that includes valuable and competitive benefits plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and DeVal Lifecycle is offering an overall benefits package that can be shaped and molded by you to fit your needs.

This benefits booklet is a summary description of your DeVal Lifecycle benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.

We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.

2026 Production Employee Benefits Overview

Healthcare costs continue to soar; however, we are pleased to announce there will be no benefit changes or reductions. However, after 6 years of no payroll deduction increases, this year there will be a modest change. DeVal Lifecycle continues to pay the bulk of the premium costs and increases. We are proud of our extensive array of benefits and offerings.

Important Highlights:

  • 3 Independence Blue Cross Medical Plan Options: Choose from Gold, Silver, or Bronze plans.
  • 2 Dental Plan Options: Guardian DHMO for employees living in PA or NJ, and Guardian PPO.
  • Life Insurance & AD&D: $25,000 Basic Life and $25,000 AD&D provided via Guardian at no cost to the employee.
  • Short-Term Disability (STD) Benefits: 60% of weekly salary up to $1,000/week for 26 weeks provided via Guardian at no cost to the employee.
  • Voluntary Vision Plan: Comprehensive vision coverage via Guardian / VSP Choice Network for a small payroll deduction.
  • Health Savings Account (HSA): Available with the Bronze HDHP plan, featuring an upfront employer contribution of $500.
  • $100/Month Medical Plan Opt-Out Benefit: Reimbursement if you waive medical coverage.

Employer Contribution:

  • The Company will contribute approximately 85% of the cost of a single plan, and 50% towards the cost of dependent coverage (family, employee/spouse, and employee/child(ren)).
  • The Company will contribute $500 in January for each employee that selects the high-deductible Bronze option that includes the HSA.
  • If you waive medical coverage for you and your family, you will receive a $100/month Medical Opt-Out reimbursement.

Benefits at a Glance: Medical Coverage

  • Independence Blue Cross offers an extensive provider network in NJ and PA.
  • There are plan options with and without a referral requirement.

  • Choose from the Gold, Silver, or Bronze options. Choose what is best for you and your family—lower copays at the doctor’s office or a lower payroll deduction.

  • Gold Plan (IBC Personal Choice PPO):
    • No deductible, no referrals, out-of-network benefits included
    • PPO BlueCard National network access
    • Prescription card benefit
    • Highest payroll cost ($33.59/pay Employee, $97.31/pay Employee/Child(ren), $139.47/pay Employee/Spouse, $190.99/pay Family)
  • Silver Plan (Keystone POS):
    • Deductible for some expenses, copays for more routine care
    • Referrals required, no out-of-network benefits (regional network access; self-referred benefits available)
    • Prescription card benefit
    • Moderate payroll cost ($20.48/pay Employee, $73.94/pay Employee/Child(ren), $109.31/pay Employee/Spouse, $152.53/pay Family)
  • Bronze Plan (IBC Personal Choice PPO w/ HSA):
    • High Deductible Health Plan. Deductible applies to all expenses except preventive care
    • No referrals, out-of-network benefits included
    • PPO BlueCard National network access
    • Prescription covered after the deductible
    • Health Savings Account eligible. Company provides $500 in HSA dollars
    • Most economical payroll cost ($7.64/pay Employee, $55.96/pay Employee/Child(ren), $86.27/pay Employee/Spouse, $124.52/pay Family)

Life, STD, Vision & Dental Coverage:

  • Disability and Life Insurance (AD&D): Benefits provided via Guardian at no cost to the Employee.
  • Dental and Vision Coverage: Available for a small payroll deduction:
    • Dental DHMO (for employees living in PA or NJ): $0.61/pay Employee, $2.96/pay Employee/Child(ren), $2.39/pay Employee/Spouse, $4.14/pay Family
    • Dental Guardian PPO: $5.44/pay Employee, $14.02/pay Employee/Child(ren), $12.78/pay Employee/Spouse, $23.65/pay Family
    • Vision (Guardian / VSP Choice): $0.21/pay Employee, $0.71/pay Employee/Child(ren), $0.69/pay Employee/Spouse, $1.42/pay Family

Health Savings Account (HSA):

  • The Company will contribute $500 for each employee electing the Bronze Plan/HSA.
  • 2026 Maximum Annual HSA Pre-Tax Contribution Limits:
    • $4,400 Employee-only coverage
    • $8,750 Employee + Dependents (Includes employer contribution)
    • If over age 55, an additional $1,000 catch-up contribution is allowed
    • Combined employer and employee voluntary HSA contributions cannot exceed the annual allowed IRS maximum limit.

How to Enroll for Production Staff:

If you plan to enroll in all or some of the benefit options:

First-Time Users: You will need to register by logging into our benefits portal at employeenavigator.com/benefits/Account/Register:

  1. Enter your first name, last name, last 4 digits of your SSN, and Date of Birth.
  2. Company Identifier: PLI001
  3. Click Next and enter your username (usually your email address).

Returning Users: If you already have a username and password, go to employernavigator.com (or employeenavigator.com).

Questions & Support:

  • Please complete and return all forms to Melissa Tarte.

This benefits booklet is a summary description of your DeVal Lifecycle benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier’s or provider’s contract.