FBC Oxford Employee Handbook

Company strives to offer comprehensive plans at a reasonable cost. Employee contributory rates cover a small portion of the actual cost of coverage and vary from year to year based upon actual medical claims incurred by the plan. Benefits begin after an eligibility waiting period.

HEALTH SAVINGS ACCOUNTS

One of the Company ’s medical plans comes with a Health Savings Account (HSA). The Company will contribute to this account, and you can too. These pre-tax funds can be used for eligible medical, dental, and vision expenses.

DENTAL COVERAGE

The Company offers dental coverage to all eligible employees and their family members to assist with the costs associated with dental care. The dental plan provides coverage for preventative and diagnostic procedures, as well as minor and major restorative procedures and orthodontics. Benefits begin after a waiting period.

FLEXIBLE SPENDING ACCOUNTS (HEALTH AND DEPENDENT CARE)

The Company provides Flexible Spending Accounts (FSAs) that allow you to set aside a specific amount of pre tax money from your paycheck to pay for eligible expenses each year.

LIFE INSURANCE COVERAGE

The Company provides financial support to your family or beneficiaries in the event of your death. After your benefit waiting period, a life insurance benefit equal to 1x your annual base earnings will be provided at no cost to you. You have the option to purchase supplemental life insurance in $10,000 increments up to a guaranteed issue amount of $250,000. Your election includes an equal amount of AD&D coverage.

SHORT-TERM DISABILITY

The Company provides short-term disability (STD) coverage at no cost for a period not to exceed 26 weeks. The Company ’s STD plans are a payroll practice and benefits are not paid by an insurance company.

Please refer to the terms of the STD plan applicable to your position for more information regarding your STD benefits. A copy of the STD policy may be obtained from your HR team.

VOLUNTARY BENEFITS

The Company offers several additional voluntary benefit plans that can help you offset healthcare expenses related to illness or injury and/or provide other valuable benefits. You pay the full cost of these premiums via payroll deductions. For additional details on these plans, visit FLObenefits or see your local HR team.

COBRA AND CONVERSION OF BENEFITS

If you or your covered dependents experience a qualifying loss of coverage, you may be eligible to continue certain benefits through COBRA or other conversion of benefits. These options will be communicated to you upon the loss of coverage.

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Flowers Baking Company of Oxford Employee Handbook - June 1, 2023