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What are my 2027 benefit features?

Your health-plan contributions and coverage for 2027.

Planters Suffolk

Employee weekly contribution for health care coverage

Employee weekly contribution for health care coverage
Coverage	Healthy Savings Plan	Traditional Plan	Dental and Vision Program
Employee only	$27	$35	$8
Employee + children	$35	$51	$10
Family	$54	$87	$12

Medical plan comparison — BCBS PPO Network

Medical plan comparison — BCBS PPO Network
Benefit	Healthy Savings Plan		Traditional Plan
Benefit	In-network	Out-of-network	In-network	Out-of-network
Annual deductible — Employee only	$2,500		$850
Annual deductible — Family	$5,000		$1,700
Annual medical out-of-pocket maximum — Employee only	$5,000	$7,600	$4,000	$7,500
Annual medical out-of-pocket maximum — Family	$7,900 per person or $10,000 per family	$7,900 per person or $15,200 per family	$8,000	$15,000
Prescription drug out-of-pocket maximum — Employee only	Included in Medical OOP		$2,500
Prescription drug out-of-pocket maximum — Family	Included in Medical OOP		$5,000
Preventive care and certain preventive prescription drugs (no deductible)	0%	35%	0%	35%
Most non-preventive services — after deductible, you pay	20%	35%	20%	35%
Emergency room	After $300 co-pay & deductible, you pay 20%		After $300 co-pay & deductible, you pay 20%
Generic prescriptions	20%		10% of cost ($5 min.)
Brand-name prescriptions	20%		20% of cost ($5 min.)
Excluded from Preferred Products List	20%		35% of cost

Family deductibles and OOP maximums include employee and dependents. (Deductible and OOP maximums include medical and prescription drug expenses)

Healthy Savings prescription drug percentages apply after the deductible.

Dental plan coverage

Dental plan coverage
Benefit	Delta Dental PPO	Delta Dental Premier	Out-of-network
Individual Deductible/ Family Deductible	$50/ $150	$50/ $150	$50/ $150
Plan Annual Maximum Payment (per covered person)	$3,000	$3,000	$3,000
Diagnostic and Preventive	0%	0%	0%
Restorative Care	20%*	20%*	20%*
Temporomandibular Joint (TMJ) Disorder	$1,500	$1,500	$1,500
Orthodontia	50% up to $3,000	50% up to $2,500	50% up to $2,500

*After deductible

Vision plan coverage

Vision plan coverage
Service / frequency	In-network	Out-of-network
One exam every calendar year	$10 co-pay	Reimbursed up to $60 after $10 co-pay
One pair lenses every calendar year	$20 co-pay	After $20 Co-Pay - Reimbursed up to: $60 Single Vision; $89 Bifocal; $100 Trifocal; $160 Lenticular
One frame every 24 months	Covered up to $150	Reimbursed up to $70
Elective contact lenses every calendar year	$0 co-pay with exam; Covered up to $150	Reimbursed up to $105
Laser vision correction	Allowance of $200 per eye	Reimbursed up to $200 per eye lifetime maximum

Flexible Spending Accounts

Flexible Spending Accounts
Account	Contribution
Health Care FSA	Health Care FSA (FSA) for eligible medical, dental, vision and prescription drug expenses: may elect $52 to $3,400 per year
Limited Purpose FSA	Limited Purpose FSA (LPFSA) for eligible dental and vision expenses: may elect $52 to $3,400 per year

Remember: You must elect a medical FSA/LPFSA in 2027 to rollover any unused funds. The rollover limit is $680.

Health Savings Account

Health Savings Account
Coverage	Optional pre-tax contribution
Single	Single $0 to $4,500
Family	Family $0 to $9,000
Age 55 or older	Add'l $1,000 if age 55

Life insurance

Life insurance coverage
Feature	Details
Basic coverage · paid by Hormel Foods
Employee life — company paid	1x annual salary up to $50,000
Employee AD&D — company paid	1x annual salary up to $50,000
Child life — company paid	$2,000 (Age 14 days to 26 years)
Optional coverage · paid by you
Employee life — optional	Coverage can be elected at ½ to 8 times annual salary
Employee life — optional maximum	Max. $1,000,000
Spouse life — optional	$10,000 - $100,000
Spouse life — coverage increments	Offered in $5,000 or $10,000 increments
Child life — optional	$5,000, $10,000, or $20,000
Child life — eligible ages	Age 14 days to 26 years old
Employee AD&D — optional	Coverage can be elected at 1 to 10 times annual salary
Employee AD&D — optional maximum	Coverage amount is adjusted annually based on your annual salary: max. $500,000
Survivor benefit
Survivor benefit — spouse or children	30% of your monthly earnings up to $1,500 max. monthly benefit
Survivor benefit — spouse and children	45% of your monthly earnings up to $2,250 max. monthly benefit

See life insurance details for eligibility and optional coverage requirements, including Statement of Health and enrollment rules.

Voluntary benefits

Voluntary benefit contacts
Benefit	Provider	Contact	Group number / code
Critical Illness	Voya	(877) 236-7564 · claimscenter.voya.com	737640
Accident & Injury	Voya	(877) 236-7564 · claimscenter.voya.com	737640
Legal Services	MetLife Legal Plans	(800) 821-6400 · info.legalplans.com	9900372
Pet Insurance	Nationwide	(877) 738-7874 · petinsurance.com/hormelfoods	Not listed
Hospital Indemnity	Voya	(877) 236-7564 · claimscenter.voya.com	737640

Group numbers and codes are from the retained contact table; confirm them when contacting the provider.

Inspired Pathways Scholarship Program

Hormel Foods will provide two-year community or technical college tuition to the dependent children of all benefits eligible U.S. team members.

Program details and application information

Short-term disability

Short-term disability
Feature	Details
Eligibility	1 year
Waiting Period	7 calendar days
Duration	26 weeks
Benefit %	60%

Long-term disability

Long-term disability
Feature	Details
Eligibility	1 year active employment
Elimination Period	26 weeks
Amount of monthly benefit	60% of annual earnings
Maximum monthly benefit	$10,000 Until reaching Social Security age

This information is a summary only. Refer to your summary plan description and amendments for complete details.

Read your complete 2027 Open Enrollment guidePDF: the document stays in its original language.