Wealth
Plan basics
To help meet your investment goals, a retirement plan offers outstanding convenience and a variety of investment options.
- Contributions: Pre-tax or Roth (after-tax) through payroll deductions.
- Contribution limit: Up to 75% of eligible pay (IRS limits apply).
- Catch-up contributions: If you’re age 50+, you can make additional contributions up to IRS limits.
- Automatic increases: Consider the Annual Increase Program to grow your savings each year.
- Loans: You may borrow from your account for any reason.
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Eligibility and benefits
All employees are eligible to contribute, including limited benefits and PRN staff. You can enroll in the plan after receiving your first paycheck.
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Three easy ways to enroll
- Visit netbenefits.com/easy
- Call 877.895.5986
- Text Start to 343898
If you are team member with Crescent City Physicians, you are eligible for the LCMC Clinics 401(k) plan. View details.
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LCMC Health contributions
- Matching contribution: LCMC Health will match the contributions of full- and part-time employees by 50% up to 4% of pay that is deferred to the Plan.
- Employer contribution: LCMC Health contributes an additional 2% of pay, on your behalf, regardless of your contribution percentage.
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Support and guidance
Fidelity provides personalized help to fit your needs:
- Online tools at netbenefits.com/LCMC
- Phone support: 800.642.7131, 7 am–8 pm CT
- Schedule appointments at getguidance.fidelity.com
- Meet with Fidelity’s licensed representative dedicated to LCMC Health employees
- Online tools at netbenefits.com/LCMC
Provider contact
- Fidelity
- Phone: 800.642.7131, 7 am–8 pm CT
- Website: netbenefits.com/LCMC
Plan basics
Life insurance protects your loved ones financially if something happens to you. LCMC Health offers:
- Employer-paid life and AD&D insurance
- Supplemental life and AD&D insurance
- Whole life insurance
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Eligibility and benefits
Employer-paid life and AD&D insurance: If you are a full-time employee, you are automatically enrolled in basic life insurance — no action required! This is provided by LCMC Health at no cost to you.
- Hourly: 1x annual earnings up to a maximum of $75,000
- Exempt: 1.5x annual earnings up to a maximum of $300,000
- Directors and above: 3x annual earnings (up to $1,000,000)
Provider contact - employer paid and supplemental life and AD&D insurance
- Sun Life
- Phone: 800.247.6875
- Website: sunlife.com/us
Provider contact - whole life insurance
- Unum
- Phone: 866.752.7432 (new enrollees support) or 800.635.5597 (existing coverage support)
- Website: unum.com
Plan basics
Disability coverage replaces part of your income if you’re unable to work due to illness or injury.
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Short-term disability (STD)
- Coverage begins after 15 days of absence due to an accident or illness, up to 24 weeks
- Paid maternity leave: 100% pay for birthing parent for up to 5 weeks (natural delivery) or 7 weeks (C-section), after a 7-day waiting period*
*Those represented by the union at UMCNO are not eligible for paid maternity leave.
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Supplemental short-term disability (STD)
- Voluntary coverage in addition to the LCMC Health employer paid benefit provides extra protection at 60% on an after-tax basis
- Helps you avoid using PTO after the 14-day waiting period
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Long-term disability (LTD)
- Coverage begins after 180 days of disability, up to 5 years
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Eligibility and benefits
- Full-time employees: After one year of service, LCMC Health provides STD and LTD coverage at no cost. Voluntary STD and LTD coverage can be purchased for those with less than one year of service.
- Directors and above are eligible for employer-paid STD and LTD benefits on date of hire.
- Part-time employees: After one year of service, LCMC Health provides STD at no cost. Voluntary STD coverage can be purchased for those with less than one year of service. Voluntary LTD is available for purchase at the date of hire and during annual enrollment with coverage lasting up to 5 years.
- Full-time employees: After one year of service, LCMC Health provides STD and LTD coverage at no cost. Voluntary STD and LTD coverage can be purchased for those with less than one year of service.
Provider contact
- Sun Life
- Phone: 800.247.6875
- Website: sunlife.com/us
Plan basics
Accidents happen! When unexpected injuries happen, this benefit provides you cash directly — you choose how to use it.
Examples of covered injuries include broken bones, burns, torn ligaments, concussion and joint dislocations.
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Eligibility and benefits
- Available for full- and part-time employees on the first day of the month following employment.
- Wellness benefit: This benefit pays you $50 for undergoing a covered health screening test, immunization, eye exam, routine physical, or well-child/preventive exam.
Member portal
If you are enrolled in voluntary benefits, you can login or register for an account at chubb.com/workplacebenefitsclaims or unum.com (for union represented team members).
How to submit a claim - CHUBB
- Register for an account or log in at chubb.com/workplacebenefitsclaims.
- Click on the “View claims” button in the “My Claims” section, and then choose “Start a new claim.”
- Follow the steps and provide the requested information to complete the claims process (claim details, treatments, benefits, and documents).
- You’ll receive a claim number and information on the next steps in the process.
Unable to file online? Call 833.542.2013.
How to submit a claim - Unum
- Create an account or log in at services.unum.com.
- Begin with “Start a Claim or Leave” to provide the initial details of what happened.
- Follow the steps and provide the requested information to complete the claims process (claim details, treatments, benefits, and documents).
- View the confirmation screen, see any next tasks, and track progress.
Unable to file online? Call 800.635.5597 to have a representative assist you 8 am to 8 pm ET, Monday through Friday.
Provider contact
- CHUBB
- Phone: 833.542.2013
- Website: chubb.com/workplacebenefitsclaims
- Unum (for union represented team members)
- Phone: 800.635.5597
- Website: unum.com
How accident insurance works
If a covered accident occurs, submit your claim and you’ll be sent a check. It’s that simple. You can use your money however you choose.
If your child breaks a leg at soccer practice, here’s how benefits may stack up:
The Sports Package increases the total benefit payment by $662.
Plan basics
If you’re diagnosed with a serious illness, this benefit provides a lump-sum cash benefit. You can use the money however you need, from medical bills and travel to everyday expenses.
Examples of covered illnesses include cancer, heart attack , stroke and major organ failure.
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Eligibility and benefits
- Available for full- and part-time employees on the first day of the month following employment.
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Wellness benefit
This benefit pays you $50 for undergoing a covered health screening test, immunization, eye exam, routine physical, or well-child/preventive exam.
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Coverage amounts
- Employee (who is actively at work): $10,000, $20,000, or $30,000
- Spouse: $5,000, $10,000, or $15,000
- Child(ren) (to age 26): 50% of employee coverage amount
Member portal
If you are enrolled in voluntary benefits, you can login or register for an account at chubb.com/workplacebenefitsclaims or unum.com (for union represented team members).
How to submit a claim - CHUBB
- Register for an account or log in at chubb.com/workplacebenefitsclaims.
- Click on the “View claims” button in the “My Claims” section, and then choose “Start a new claim.”
- Follow the steps and provide the requested information to complete the claims process (claim details, treatments, benefits, and documents).
- You’ll receive a claim number and information on the next steps in the process.
Unable to file online? Call 833.542.2013.
How to submit a claim - Unum
- Create an account or log in at services.unum.com.
- Begin with “Start a Claim or Leave” to provide the initial details of what happened.
- Follow the steps and provide the requested information to complete the claims process (claim details, treatments, benefits, and documents).
- View the confirmation screen, see any next tasks, and track progress.
Unable to file online? Call 800.635.5597 to have a representative assist you 8 am to 8 pm ET, Monday through Friday.
Provider contact
- CHUBB
- Phone: 833.542.2013
- Website: chubb.com/workplacebenefitsclaims
- Unum (for union represented team members)
- Phone: 800.635.5597
- Website: unum.com
How critical illness insurance works
When you are diagnosed with a covered condition, submit your claim and you’ll be sent a check. It’s that simple. You can use your money however you choose.
- Your cash benefit is the amount you select when you enroll in the plan (options are listed in the eligibility and benefits section on this page).
- There is no lifetime maximum. If you get sick again with the same or different condition, you’re still covered. There is no total maximum benefit amount to worry about.
- Different covered conditions need to be diagnosed at least six months apart.
Plan basics
Hospital stays – whether planned or unexpected – can be expensive. Hospital indemnity pays you a lump-sum cash benefit if you’re admitted to the hospital. You can use this money for deductibles, out-of-pocket expenses, or any other bills.
Examples of covered injuries:
- Hospital admission: $500 per insured per calendar year
- Daily hospital confinement: $100 per day, up to a maximum of 365 days per calendar year
- Hospital intensive care unit confinement: $200 per day, up to a maximum of 30 days per calendar year
- Frequency: Covers one admission per insured per year
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Eligibility and benefits
- Available for full- and part-time employees on the first day of the month following employment.
- Wellness benefit: This benefit pays you $50 for undergoing a covered health screening test, immunization, eye exam, routine physical, or well-child/preventive exam.
Member portal
If you are enrolled in voluntary benefits, you can login or register for an account at chubb.com/workplacebenefitsclaims or unum.com (for union represented team members).
How to submit a claim - CHUBB
- Register for an account or log in at chubb.com/workplacebenefitsclaims.
- Click on the “View claims” button in the “My Claims” section, and then choose “Start a new claim.”
- Follow the steps and provide the requested information to complete the claims process (claim details, treatments, benefits, and documents).
- You’ll receive a claim number and information on the next steps in the process.
Unable to file online? Call 833.542.2013.
How to submit a claim - Unum
- Create an account or log in at services.unum.com.
- Begin with “Start a Claim or Leave” to provide the initial details of what happened.
- Follow the steps and provide the requested information to complete the claims process (claim details, treatments, benefits, and documents).
- View the confirmation screen, see any next tasks, and track progress.
Unable to file online? Call 800.635.5597 to have a representative assist you 8 am to 8 pm ET, Monday through Friday.
Provider contact
- CHUBB
- Phone: 833.542.2013
- Website: chubb.com/workplacebenefitsclaims
- Unum (for union represented team members)
- Phone: 800.635.5597
- Website: unum.com
How hospital indemnity insurance works
This insurance pays benefits directly to you regardless of another coverage you have.
- As long as you are an active employee age 18 or older, you and your spouse/partner, and your kids up to age 26 are eligible for coverage. No medical history is required.
- There are no pre-existing conditions exclusions.
Plan basics
Protect your personal information in today’s digital world. Norton LifeLock helps detect identity threats and provides U.S.-based specialists to restore your identity if needed.
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Eligibility and benefits
- Full- and part-time employees become eligible starting the first day of the month following 30 days of employment.
- Both plans include:
- Identity monitoring: Credit, bank, Social Security, dark web, address change alerts
- Protection tools: Stolen wallet protection, fictitious identity monitoring, breach notifications
- Credit monitoring: Bureau monitoring, monthly credit score, account activity alerts
- Security tools: Device protection, password manager, parental controls
- The premier plan also offers home title monitoring, checking and saving account application alerts, bank account takeover alerts, and on demand annual credit report and credit score.
Provider contact
- Norton LifeLock
- Phone: 800.608.9174
- Website: my.norton.com/
Plan basics
Keep your furry family members healthy with discounted pet insurance. You receive up to a 20% discount on your premium.
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Eligibility and benefits
- Full- and part-time employees become eligible starting the first day of the month following 30 days of employment.
- Plan benefits include:
- Reimbursement of up to 90% of eligible veterinary costs
- Preventive care add-ons
- 24/7 pet telehealth line
Member portal
If you are enrolled in voluntary benefits, you can login or register for an account at chubb.com/workplacebenefitsclaims or unum.com (for union represented team members).
Provider contact
- Spot Pet Insurance
- Website: spotpet.link/lcmc
How pet insurance works
- Visit any licensed vet or specialist
- Submit your claim online
- Get reimbursed quickly and easily!
Plan basics
This plan provides you affordable access to attorneys for many common legal needs. Services include wills, home purchases, family law and traffic law.
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Eligibility and benefits
- Full- and part-time employees become eligible starting the first day of the month following 30 days of employment.
- Two plans are available:
- MetLife Legal Plans
- MetLife Legal Plans Plus Parents which extends coverage to your spouse, dependents, parents, grandparents, and in-laws
Member portal
Login or create an account at login.legalplans.com/login. Here, you’ll have access to:
- Full coverage information to see how the plan can help you
- View the attorney network
- Self-help documents to handle simple legal matters
Provider contact
- MetLife
- Phone: 800.821.6400, Monday through Friday 7 am to 7 pm CT
- Website: login.legalplans.com/login
How the legal plans works
- Visit any in-network attorney
- Plan pays attorney fees, no copays or claims forms
- Unlimited use of covered services