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Benefit Extras & Discounts
Benefit Extras
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Adoption Assistance
Team Members can take advantage of adoption assistance for qualified expenses. Bloomin’ Brands provides financial assistance up to $4,000 (or $6,000 for a special needs child).
Qualified expenses include:
- Licensed adoption agency fees
- Related legal costs
- Home placement studies
- Charges for reasonable domestic transportation to obtain physical custody
To be eligible for adoption assistance, the child you are adopting must be under the age of 18 and may not be a relative or stepchild.
Requests for Reimbursement
Requests for reimbursement for adoption expenses must be made within the 90 days after the adoption is finalized.
To request a reimbursement, complete the Adoption Assistance Reimbursement Form and then submit the form and supporting documentation, as directed at the bottom of the form.
Business Travel Accident Insurance
Business Travel Accident (BTA) insurance covers certain injuries or a death resulting from an accident that happens while you are traveling for business.
This benefit is equal to your annual salary, up to a maximum of $500,000. It does not cover accidents that may occur while you’re traveling between your home and work.
Other benefits, if experienced or related to a covered injury that occurs while traveling for business:
- Identity theft protection
- Carjacking
- Coma
- Home alteration or vehicle modification
- Medical evacuation or repatriation
- Medical expense
- Natural disaster
- Psychological therapy
- Rehabilitation expense
- Seat belt and occupant protection device
- Travel assistance
Family & Medical Leave (FMLA)
What is FMLA?
The Bloomin’ Brands Family and Medical Leave Act (FMLA) policy may provide unpaid, job-protected leave if you are unable to work because of a serious health condition, you need to care for someone in your life, or another qualifying reason below.
FMLA provides an entitlement of up to 12 weeks of job-protected, unpaid leave during any 12-month period to eligible Team Members. Per the policy, leave may be taken all at once or intermittently as the medical condition requires.
Eligibility Requirements
Only eligible Team Members are entitled to take FMLA. You are considered an eligible Team Member if you:
- currently work for a covered employer, which Bloomin’ Brands is;
- have worked for Bloomin’ Brands for at least 12 months within the past 7 years;
- have at least 1,250 hours of service with Bloomin’ Brands during the 12 months immediately preceding the leave; and
- work at a location where Bloomin’ Brands has at least 50 Team Members within 75 miles.
What Reasons Qualify for FMLA?
- Birth and care of your newborn child.
- Adoption or foster care placement of a child with you.
- To care for an immediate family member who has a serious health condition. An immediate family member is considered a spouse, child, or parent, including an individual who stood in loco parentis to you.
- To care for your serious health condition.
- A qualifying urgent situation related to your spouse, child, or parent’s foreign deployment.
- To provide care for an injured or seriously ill service member or veteran; up to 26 weeks of leave is available for this purpose.
Your Benefits Coverage on Leave
FMLA requires that your group health benefits be maintained during the period of leave, as long as premiums are being paid. While you are out on approved FMLA, you will be credited for your leave during the next benefits eligibility review.
How to Request Leave
Need to request leave? Follow these steps:
- If you go on a leave of absence (LOA) or have a planned upcoming leave for three (3) or more days, report this to Bloomin’ Brands as soon as possible to determine if your situation qualifies for FMLA.
- To report leave, contact your manager, and your manager will submit a leave request via BBI Connect.
Important: Make sure your address is up-to-date in BBI Connect so that you don’t miss important communication regarding your leave.
Meal Comp
Bloomin’ Brands is proud to offer a meal comp benefit program to all Team Members.
- Salaried employees receive comp privileges at any of the Bloomin’ Brands company of restaurants.
- Keep track of your quarterly spend via BBI Connect in the “Employee Comp Card Reports” section.
- Unused quarterly allocations will not be rolled over.
| Restaurant Support Center* | Field salaried Team Members | |
|---|---|---|
| % of comp privileges | 50% | 100% |
| Max comp limit per quarter | $1,000 | $1,000 |
| Max comp per visit | $100 | $100 |
*Group Vice Presidents and above are not eligible.
Requirements
Keep in mind important requirements for meal comps:
- It is required that you leave your BBI server a minimum of 20% gratuity on the pre-comp balance, a 10% minimum on carry out, and/or a 15% minimum for delivery. Failure to do so will result in loss of comp privileges.
- Make sure you have your scannable meal comp card with you. If you do not have your card present or the Team Member is not present at the time of payment, another form of payment will be expected for the full price of the meal. If another form of payment is used as a result, please note that the bill will not be reimbursable.
Exclusions
The following offerings are not applicable to the meal comp program:
- Catering meals/services
- Alcoholic beverages are not included in the comp privilege — it is a personal expense
- Stadium/concession stands
- Airport locations
- Franchised locations
- International locations
- Aussie Grill (Domestic & International locations)
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Adoption Assistance
Team Members can take advantage of adoption assistance for qualified expenses. Bloomin’ Brands provides financial assistance up to $4,000 (or $6,000 for a special needs child).
Qualified expenses include:
- Licensed adoption agency fees
- Related legal costs
- Home placement studies
- Charges for reasonable domestic transportation to obtain physical custody
To be eligible for adoption assistance, the child you are adopting must be under the age of 18 and may not be a relative or stepchild.
Requests for Reimbursement
Requests for reimbursement for adoption expenses must be made within the 90 days after the adoption is finalized.
To request a reimbursement, complete the Adoption Assistance Reimbursement Form and then submit the form and supporting documentation, as directed at the bottom of the form.
Family & Medical Leave (FMLA)
What is FMLA?
The Bloomin’ Brands Family and Medical Leave Act (FMLA) policy may provide unpaid, job-protected leave if you are unable to work because of a serious health condition, you need to care for someone in your life, or another qualifying reason below.
FMLA provides an entitlement of up to 12 weeks of job-protected, unpaid leave during any 12-month period to eligible Team Members. Per the policy, leave may be taken all at once or intermittently as the medical condition requires.
Eligibility Requirements
Only eligible Team Members are entitled to take FMLA. You are considered an eligible Team Member if you:
- currently work for a covered employer, which Bloomin’ Brands is;
- have worked for Bloomin’ Brands for at least 12 months within the past 7 years;
- have at least 1,250 hours of service with Bloomin’ Brands during the 12 months immediately preceding the leave; and
- work at a location where Bloomin’ Brands has at least 50 Team Members within 75 miles.
What Reasons Qualify for FMLA?
- Birth and care of your newborn child.
- Adoption or foster care placement of a child with you.
- To care for an immediate family member who has a serious health condition. An immediate family member is considered a spouse, child, or parent, including an individual who stood in loco parentis to you.
- To care for your serious health condition.
- A qualifying urgent situation related to your spouse, child, or parent’s foreign deployment.
- To provide care for an injured or seriously ill service member or veteran; up to 26 weeks of leave is available for this purpose.
Your Benefits Coverage on Leave
FMLA requires that your group health benefits be maintained during the period of leave, as long as premiums are being paid. While you are out on approved FMLA, you will be credited for your leave during the next benefits eligibility review.
How to Request Leave
Need to request leave? Follow these steps:
- If you go on a leave of absence (LOA) or have a planned upcoming leave for three (3) or more days, report this to Bloomin’ Brands as soon as possible to determine if your situation qualifies for FMLA.
- To report leave, contact your manager, and your manager will submit a leave request via BBI Connect.
Important: Make sure your address is up-to-date in BBI Connect so that you don’t miss important communication regarding your leave.
Discounts
By leveraging the purchasing power of all Bloomin’ Brands Team Members, you can save on almost anything you want to buy. All Team Members are eligible to take advantage of these discounts.
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LifeMart Discount Center
The Employee Assistance Program (EAP) offers Team Members additional discounts through the Magellan Ascend LifeMart Discount Center. You can save on major purchases (i.e. travel, tickets, attractions, electronics, cars, and vacations) and on day-to-day essentials (i.e. groceries and child care).
Follow the steps below to learn more and start saving.
- To access the LifeMart Discount Center, you need to create an account with Magellan Ascend.
- Once you’ve created an account and successfully logged in, navigate to Life > Financial > Savings and Investing. You will see a link where you can connect to the LifeMart Discount Center.
Mortgage Savings
Buying or refinancing? Rocket Mortgage® has exclusive benefits to offer you an employee of Bloomin’ Brands:
- Dedicated home loan experts to assist you.
- Savings offers throughout the year, such as closing cost credits and competitive interest rates.
- Refer your friends and family to access the same offers.
To get started, visit the Rocket Mortgage website or call 888-500-4723.
Perks at Work
Register for Perks at Work rewards program to start earning WOW points. Through Perks at Work, you can enjoy discounts on many items including apparel, electronics, gifts, fitness items and memberships, tickets to events and attractions, travel, and much more.
Rx for Pets
At Bloomin’ Brands, we understand that pets are family, too. All Team Members are eligible to save an average of 75% on generic and 15% on brand-name pet medications with the Inside Rx Pets prescription savings program from Express Scripts.
If you’re interested, you can benefit from Inside Rx Pets savings right way. To save, simply present the savings card along with the prescription from your veterinarian at a participating pharmacy.
Tuition Discounts
Your Bloomin’ Brands benefits help place a college education within reach. Team Members have access to tuition discounts through partnerships with Johnson & Wales University, St. Leo University, and the University of Phoenix.
Learn more below about each discount program – including who to contact for more details – and get started on your degree today.
Johnson & Wales University
- Education Benefit: 20% reduced tuition rate on all undergraduate and graduate programs
- Learn More: BBI + JWU Tuition Discounts
- Contact: Devin Kitterick at 1-401-598-5261 or Devin.Kitterick@jwu.edu
St. Leo University
- Education Benefit: 10% tuition discount and application fee waived
- Learn More: BBI + St. Leo Tuition Discounts
- Contact: Admissions Office at 1-877-622-2009 or admissions@saintleo.edu
University of Phoenix
- Education Benefit: Complete 5 courses, and get the 6th free
- Learn More: BBI + Phoenix Tuition Discounts
- Contact: Diane Berry at 1-813-417-9442 or Diane.Berry@Phoenix.edu
BBI Resource Center (BRC)
Free Assistance with Bloomin' Benefits Billing, Insurance Claims & More
Contact Information
Available Monday through Friday from 8 a.m. to 5 p.m. ET.
Phone: 855-874-0835 (Toll-Free)
HR Resource Center
General Questions About Benefits & Eligibility
Contact Information
Available Monday through Friday from 9 a.m. to 6 p.m. ET.
Phone: 1-800-555-5808 (Option 3)
Tuition Assistance
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Life & Accidental Death (AD&D) Insurance
Core Life & AD&D Coverage
Core Life and Accidental Death and Dismemberment (AD&D) Insurance, administered by New York Life, provides a benefit in the case of a covered illness, injury, or accident.
- The Core Life benefit is provided at no cost and all benefits-eligible Team Members are automatically enrolled, including Salaried Team Members, Sous Chefs, MITs, GEDMs, and Flex Managers.
- You can also elect to enroll in supplemental coverage. Use the Life Insurance Needs Calculator to help you decide on coverage that best fits your needs.
- Federal regulations require you to pay income taxes on the value of company-paid core life insurance in excess of $50,000. This is displayed on your pay statement as “GTL Imputed.”
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Core Life Insurance
Core Life Insurance pays a benefit if you die as a result of a covered illness, injury, or accident.
- Bloomin’ Brands pays the premium for your coverage.
- Coverage begins on your hire date, or your date of promotion or transfer into a benefits-eligible position.
- Your coverage amount is equal to your annual base salary, rounded to the next higher $1,000. The maximum coverage is $1,000,000. If you are age 65 or older, your coverage will be reduced to 65%, 40%, or 25% of your original coverage amount, depending on your age.
Core AD&D Insurance
Core Accidental Death and Dismemberment (AD&D) Insurance pays benefits if you suffer certain accidental injuries or death resulting from a covered accident.
This benefit is in addition to any Core Life Insurance benefit that may be payable.
- Bloomin’ Brands pays the premium for your coverage, and coverage begins on your hire date, or your promotion into a benefits-eligible position. salaried, Sous Chef, MIT, GEDM, or Flex Manager position.
- Core AD&D coverage, equal to your annual base salary rounded to the next higher $1,000, is called the Principal Sum. The amount of benefit you receive when you have a covered claim will range from 25% to 100% of the Principal Sum depending on the loss you experience (e.g., loss of a thumb and index finger would pay 25% while loss of both arms and legs would pay 100%).
More Plan Features
Key Features
The Core Life and AD&D benefit has features designed to provide further protection and flexibility in certain situations:
- Seat belt benefit. Your beneficiary will receive an additional 10% of your in-force life insurance amount (maximum $25,000) if you were properly wearing a seat belt at the time of the auto accident.
- Accelerated death benefit. If you are terminally ill with less than 12 months to live, you may be eligible to receive up to 75%, up to $250,000, of your Core Life Insurance amount prior to your death.
- Conversion. If you terminate from Bloomin’ Brands or lose benefits eligibility, you may be able to continue Life and AD&D coverage without Evidence of Insurability (EOI) under an individual conversion policy (Core Life and AD&D) or portability (Supplemental Life). You must apply to convert or port your coverage within 31 days of your conversion or port notice. Please review the Life Conversion Form and Accident Conversion Form for more information.
More Benefits
The following benefits are available as part of your coverage:
Supplemental Coverage
Plan Information
You have the option to purchase additional Life and AD&D insurance by setting up a convenient payroll deduction. You can also elect coverage for your spouse and eligible children.
- Your Coverage: $20,000 increments to $1,000,000 maximum.
- Spousal Coverage: $10,000 increments to 100% of your coverage up to $500,000.
| Coverage Feature | You (Team Member) | Your spouse | Your eligible child(ren) |
|---|---|---|---|
| Supplemental Life Insurance options | $20,000 increments to $1,000,000 maximum* | $10,000 increments to 100% of your coverage up to $500,000* | Flat amount $10,000 per child |
| Maximum available without Evidence of Insurability (also called the Guaranteed Issue amount) | $160,000 if annual salary of $50,000 or less $260,000 if annual salary of $50,001 through $85,000 $400,000 if annual salary of $85,001 or above | $50,000 | Not applicable |
| Rates based on | Your age (as of January 1 of the current plan year) | Team Member's age (as of January 1 of the current plan year) | Flat rate, regardless of the number of eligible children insured |
| Coverage ends | At age 80 | The earlier of age 70 or when Team Member attains age 80** | On the 26th birthday |
**You may not enroll your spouse if your spouse has already reached age 70.
Enrollment & Evidence of Insurability (EOI)
If you choose to enroll in supplemental coverage when you first become benefits-eligible, you may elect coverage up to the guaranteed issue amount without Evidence of Insurability (EOI).
You will be required to provide Evidence of Insurability (EOI) for the following situations:
- Electing coverage over the guaranteed issue amount.
- Increases in coverage.
- Coverage elected after you were first eligible.
When you elect coverage under one of the three situations above, New York Life will mail and email you instructions on how to complete an Evidence of Insurability (EOI) Form. Your coverage will begin once approved by New York Life Medical Underwriting.
Loss of Coverage & Portability
If you lose coverage under this plan following termination or if you lose benefits eligibility, you may have the option to port your coverage to an individual policy. For more information, please review the Portability Form.
How to File a Claim
Refer to the information below for guidance on how to file a Life or AD&D claim with New York Life.
- Core Life and Accidental Death and Dismemberment (AD&D) Insurance, administered by New York Life, provides a benefit in the case of a covered illness, injury, or accident.
- The Core Life benefit is provided at no cost and all benefits-eligible Team Members are automatically enrolled, including Salaried Team Members, Sous Chefs, MITs, GEDMs, and Flex Managers.
- Federal regulations require you to pay income taxes on the value of company-paid core life insurance in excess of $50,000. This is displayed on your pay statement as “GTL Imputed.”
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Core Life Insurance
Core Life Insurance pays a benefit if you die as a result of a covered illness, injury, or accident.
- Bloomin’ Brands pays the premium for your coverage.
- Coverage begins on your hire date, or your date of promotion or transfer into a benefits-eligible position.
- Your coverage amount is equal to $10,000. If you are age 65 or older, your coverage will be reduced to 65%, 40%, or 25% of your original coverage amount, depending on your age.
Core AD&D Insurance
Core Accidental Death and Dismemberment (AD&D) Insurance pays benefits if you suffer certain accidental injuries or death resulting from a covered accident.
This benefit is in addition to any Core Life Insurance benefit that may be payable.
- Bloomin’ Brands pays the premium for your coverage, and coverage begins on your hire date, or your promotion into a benefits-eligible position. salaried, Sous Chef, MIT, GEDM, or Flex Manager position.
- Core AD&D coverage is equal to $10,000, which is the Principal Sum. The amount of benefit you receive when you have a covered claim will range from 25% to 100% of the Principal Sum depending on the loss you experience (e.g., loss of a thumb and index finger would pay 25% while loss of both arms and legs would pay 100%).
More Plan Features
Key Features
The Core Life and AD&D benefit has features designed to provide further protection and flexibility in certain situations:
- Seat belt benefit. Your beneficiary will receive an additional 10% of your in-force life insurance amount (maximum $25,000) if you were properly wearing a seat belt at the time of the auto accident.
- Accelerated death benefit. If you are terminally ill with less than 12 months to live, you may be eligible to receive up to 75%, up to $250,000, of your Core Life Insurance amount prior to your death.
- Conversion. If you terminate from Bloomin’ Brands or lose benefits eligibility, you may be able to continue Life and AD&D coverage without Evidence of Insurability (EOI) under an individual conversion policy (Core Life and AD&D) or portability (Supplemental Life). You must apply to convert or port your coverage within 31 days of your conversion or port notice. Please review the Life Conversion Form and Accident Conversion Form for more information.
More Benefits
The following benefits are available as part of your coverage:
How to File a Claim
Refer to the information below for guidance on how to file a Life or AD&D claim with New York Life.
Designate Your Beneficiary
You designate your beneficiary for death benefits when you enroll. However, you may change your beneficiary at any time. Dismemberment benefits are paid to you.
New York Life Group Benefit Solutions (NYL GBS)
Life, AD&D & Disability
Contact Information
General Support: 1-888-842-4462
EOI Processing Center: 1-866-607-2360
Quick Links
Disability
Heads up! This information reflects the current 2024 plan year, which ends Dec. 31.
Disability Insurance
Coverage Highlights
Disability insurance provides important partial replacement of lost income when you are unable to work due to an illness or injury.
- Short-Term Disability (STD) insurance begins to pay benefits on the 8th day of disability resulting from a non-work related illness or injury. After 180 days of disability, Long-Term Disability (LTD) insurance takes over.
- Salaried Team Members are automatically enrolled in Core coverage and have the option to select a Buy-Up coverage.
- Core benefits begin on your hire date, or the first day you are actively at work if later. Buy-Up coverage begins on your benefits effective date.
Note: Disability insurance won’t pay benefits for a pre-existing condition until you have been covered for 12 months. A pre-existing condition is defined as any condition you received treatment for in the six (6) months preceding your coverage effective date.
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Short-Term Disability (STD) Insurance
Short-Term Disability (STD) insurance pays a benefit in the event you become disabled due to a non-work related illness or injury, including disabilities related to pregnancy and childbirth. Benefits are payable only for the period of time you are deemed disabled.
Core vs. Buy-Up STD Coverage Comparison
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| Plan Details | Core STD | Buy-Up STD |
|---|---|---|
| Salary | 40% of your base salary up to $750 weekly | Additional 20% of your base salary replaced up to $2,000 weekly (Core + Buy-Up) |
| When benefits begin | Benefits begin after 7-day waiting period | Benefits begin after 7-day waiting period |
| What you pay | Bloomin’ Brands pays the full cost | You pay the cost difference for Buy-Up via payroll deduction |
| Taxable | Benefits are 100% taxable | Benefits are 100% taxable |
| Enrollment | You are automatically enrolled when first eligible, with no questionnaire required | Enroll when first eligible without medical questionnaire, or enroll during open enrollment and a questionnaire will be required; May cancel only during Annual Enrollment |
Long-Term Disability (LTD) Insurance
Long-Term Disability (LTD) pays a benefit in the event your disability continues beyond 180 days, and it includes coverage for work-related injury or illness.
Core vs. Buy-Up LTD Coverage Comparison
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| Plan Details | Core LTD | Buy-Up LTD |
|---|---|---|
| Salary | 40% of your covered base salary and performance bonus up to $1,500 monthly | Additional 20% of covered base salary and performance bonus up to $15,000 monthly (Core + Buy-Up) |
| When benefits begin | Benefits begin after 180-day waiting period | Benefits begin after 180-day waiting period |
| What you pay | Bloomin’ Brands pays the full cost | You pay the cost difference for Buy-Up via payroll deduction |
| Taxable | Benefits are taxable | Benefits are taxable |
| Enrollment | You are automatically enrolled when first eligible, with no questionnaire required | Enroll when first eligible without medical questionnaire, or enroll during open enrollment and a questionnaire will be required; May cancel only during open enrollment |
Buy-Up Disability Insurance
You have the option to add Buy-Up STD and/or LTD insurance. Use the information below to learn more and calculate your Buy-Up premium(s) based on your pay.
Buy-Up STD
The optional Buy-Up STD plan offers you the opportunity to enhance your coverage by electing to change your gross weekly benefit to 60% of covered earnings per week and to change your maximum weekly benefit amount to $2,000.
Buy-Up LTD
This optional Buy-Up LTD plan offers you the opportunity to enhance your coverage by electing to change your gross monthly benefit to 60% of covered earnings per month and to change your maximum monthly benefit amount up to $15,000.
Evidence of Insurability (EOI)
If you elect Buy-Up coverage when you are first eligible, you will be able to enroll without having to provide evidence of your good health, or Evidence of Insurability (EOI).
If you don’t enroll when you are first eligible, you can enroll during a future annual open enrollment period, but you will need to complete an Evidence of Insurability (EOI) Form provided by New York Life. Your Buy-Up coverage will not begin until New York Life approves your election.
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| Plan Details | STD Buy-Up | LTD Buy-Up |
|---|---|---|
| Amount of your earnings replaced | Base Salary replaced: Additional 20% to a $2,000 maximum (Core + Buy-Up) weekly benefit | Additional 20% up to $15,000 maximum (Core + Buy-Up) monthly benefit |
| Period of disability before benefits begin | 7 days | 180 days |
| Cost | You pay the cost difference between Buy-Up and core via payroll deduction | You pay the cost difference between Buy-Up and core via payroll deduction |
| Benefit taxation | taxable | taxable |
| Enrollment | May enroll when first eligible; may enroll or cancel during annual open enrollment | May enroll when first eligible; may enroll or cancel during annual open enrollment |
Additional Information
If you receive other income as a result of your disability (for example, from workers’ compensation or Social Security Disability), your Long-Term Disability benefit will be reduced by the amount you receive from other sources.
Survivor benefit: Should you die while receiving Long-Term Disability benefits, your survivor will be paid an amount equal to 3 months of your LTD benefit in effect (before reductions for other income) at the time of your death.
Social Security assistance: New York Life Insurance Group Benefits Services (New York Life) may provide assistance with applying for Social Security Disability Income (SSDI) Benefits.
Calculate Your Need for Supplemental Coverage
Use the calculator below to determine whether you should elect Buy-Up coverage.
New York Life Group Benefit Solutions (NYL GBS)
Life, AD&D & Disability
Contact Information
General Support: 1-888-842-4462
EOI Processing Center: 1-866-607-2360
Quick Links
Heads up! This information reflects the new 2025 plan year, which begins Jan. 1.
Disability Insurance
Coverage Highlights
Disability insurance provides partial replacement of lost income when you are unable to work due to an illness or injury
-
Short-Term Disability (STD) insurance begins to pay benefits on the 8th day of disability resulting from a non-work related illness or injury. After 180 days of disability, Long-Term Disability (LTD) insurance takes over.
-
Salaried Team Members are automatically enrolled in Core coverage and have the option to select a Buy-Up coverage.
-
Core benefits begin on your hire date, or the first day you are actively at work if later. Buy-Up coverage begins on your benefits effective date.
Note: Disability insurance won’t pay benefits for a pre-existing condition until you have been covered for 12 months. A pre-existing condition is defined as any condition you received treatment for in the six (6) months preceding your coverage effective date.
New Maternity Benefit
Another way we are taking care of our employees is by providing a new STD benefit for team members who are recovering from childbirth.
Beginning in 2025, this program enhancement will provide you with a benefit of 100% of your base salary replaced weekly, subject to applicable taxes. Maternity short-term disability benefits begin after a one-week waiting period, providing income replacement for weeks two through six, or weeks two through eight for C-section recovery.
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Short-Term Disability (STD) Insurance
Short-Term Disability (STD) insurance pays a benefit in the event you become disabled due to a non-work related illness or injury, including disabilities related to pregnancy and childbirth. Benefits are payable only for the period of time you are deemed disabled.
Core vs. Buy-Up STD Coverage Comparison
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| Core STD | Buy-Up STD | |
|---|---|---|
| Maternity STD Salary Replacement Benefit | 100% of your base salary replaced weekly | |
| Non-Maternity STD Salary Replacement Benefit | 40% of your base salary replaced up to $750 weekly | Additional 20% of your base salary replaced up to $2,000 weekly (Core + Buy-Up = 60% of your base salary replaced up to $2,750 weekly) |
| What You Pay | Bloomin’ Brands pays the full cost | You pay the cost difference for Buy-Up via payroll deduction |
| When Benefits Begin | After the 7-day waiting period | |
| Enrollment Options | Automatically enrolled when first eligible – no medical questionnaire required | Elect to enroll when first eligible – no medical questionnaire required Elect to enroll during open enrollment –requires medical questionnaire May cancel Buy-Up coverage only during annual open enrollment |
| Taxable | Benefits are taxable | Benefits are taxable |
Long-Term Disability (LTD) Insurance
Long-Term Disability (LTD) pays a benefit in the event your disability continues beyond 180 days, and it includes coverage for work-related injury or illness.
Core vs. Buy-Up LTD Coverage Comparison
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Tap or click the content below and scroll to access all the information.
| Plan Details | Core LTD | Buy-Up LTD |
|---|---|---|
| Salary | 40% of your covered base salary and performance bonus up to $1,500 monthly | Additional 20% of covered base salary and performance bonus up to $15,000 monthly (Core + Buy-Up) |
| When benefits begin | Benefits begin after 180-day waiting period | Benefits begin after 180-day waiting period |
| What you pay | Bloomin’ Brands pays the full cost | You pay the cost difference for Buy-Up via payroll deduction |
| Taxable | Benefits are taxable | Benefits are taxable |
| Enrollment | You are automatically enrolled when first eligible, with no questionnaire required | Enroll when first eligible without medical questionnaire, or enroll during open enrollment and a questionnaire will be required; May cancel only during open enrollment |
Buy-Up Disability Insurance
You have the option to add Buy-Up STD and/or LTD insurance. Use the information below to learn more and calculate your Buy-Up premium(s) based on your pay.
Buy-Up STD
The optional Buy-Up STD plan offers you the opportunity to enhance your coverage by electing to change your gross weekly benefit to 60% of covered earnings per week and to change your maximum weekly benefit amount to $2,000.
Buy-Up LTD
This optional Buy-Up LTD plan offers you the opportunity to enhance your coverage by electing to change your gross monthly benefit to 60% of covered earnings per month and to change your maximum monthly benefit amount up to $15,000.
Evidence of Insurability (EOI)
If you elect Buy-Up coverage when you are first eligible, you will be able to enroll without having to provide evidence of your good health, or Evidence of Insurability (EOI).
If you don’t enroll when you are first eligible, you can enroll during a future annual open enrollment period, but you will need to complete an Evidence of Insurability (EOI) Form provided by New York Life. Your Buy-Up coverage will not begin until New York Life approves your election.
Are you using a device with a small screen?
Tap or click the content below and scroll to access all the information.
| Plan Details | STD Buy-Up | LTD Buy-Up |
|---|---|---|
| Amount of your earnings replaced | Base Salary replaced: Additional 20% to a $2,000 maximum (Core + Buy-Up) weekly benefit | Additional 20% up to $15,000 maximum (Core + Buy-Up) monthly benefit |
| Period of disability before benefits begin | 7 days | 180 days |
| Cost | You pay the cost difference between Buy-Up and core via payroll deduction | You pay the cost difference between Buy-Up and core via payroll deduction |
| Benefit taxation | taxable | taxable |
| Enrollment | May enroll when first eligible; may enroll or cancel during annual open enrollment | May enroll when first eligible; may enroll or cancel during annual open enrollment |
Additional Information
If you receive other income as a result of your disability (for example, from workers’ compensation or Social Security Disability), your Disability benefit will be reduced by the amount you receive from other sources.
Survivor benefit: Should you die while receiving Long-Term Disability benefits, your survivor will be paid an amount equal to 3 months of your LTD benefit in effect (before reductions for other income) at the time of your death.
Social Security assistance: New York Life Insurance Group Benefits Services (New York Life) may provide assistance with applying for Social Security Disability Income (SSDI) Benefits.
Calculate Your Need for Supplemental Coverage
Use the Disability Needs Calculator to determine whether you should elect Buy-Up coverage.
New York Life Group Benefit Solutions (NYL GBS)
Life, AD&D & Disability
Contact Information
General Support: 1-888-842-4462
EOI Processing Center: 1-866-607-2360
Quick Links
Deferred Compensation (DCP Plan)
DCP Plan
401(k) Plan Alternative
The Deferred Compensation Plan, or the DCP Plan, was developed for employees ineligible to participate in the 401(k) Plan due to IRS contribution limits. The plan is administered by Fidelity NetBenefits.
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Eligibility
Team Members who meet the IRS definition of a highly compensated employee (those who earned $150,000* or more in 2023) may elect once a year in December to participate in the OSI Restaurant Partners, LLC HCE Deferred Compensation Plan (the “DCP Plan”) in 2024.
If you meet or are projected to meet the eligibility requirements, you will be notified and offered the opportunity to participate in the election period for 2024, held Dec. 11 through Dec. 27, 2023. Distributions are processed in January each year. Please note – if your actual earnings are determined in December to fall below the highly compensated limit, you will be notified and your DCP Plan elections for next year will be canceled, and you will be able to contribute to the 401(k) Plan instead.
*Distributions earned under the PEP Plan do not count towards the $150,000 threshold.
How the Plan Works
Participating in the DCP Plan provides important tax benefits along with opportunities for investment.
Enrollment
You’ll be notified of your eligibility to participate in the election period.
Deferrals
You can choose the amount of your pay to defer to the plan on a pre-tax basis:
- Base Salary: 5% to 90% of eligible base salary.
- Monthly Bonus: 5% to 100% of eligible bonus.
- Annual Bonus: 5% to 100% of your eligible bonus.
The deferral election(s) you make for a given calendar year are locked in and cannot be changed until the following year.
Vesting
You’re immediately vested (have full ownership) in the amount you defer and in any investment earnings on those amounts.
Investment Options
Choose from several record-keeping investment options to suit your goals, time horizon, and risk tolerance.
Distributions
When you enroll, tell Fidelity how you’d like to receive future distributions, which can be paid upon your choice of:
- Termination/separation from service
- Selected date three or more years in the future
- Death
- Disability
- Unforeseeable emergency
BBI will process the annual distributions in January in-house via payroll. To take advantage of direct deposit, please ensure your contact and direct deposit information are current within BBI Connect. Otherwise, any distribution due will be paid by check mailed to the home address on file in BBI Connect.
Tax Advantages
Deferring part of your income with the DCP Plan offers clear advantages for saving on current taxes.
| Without DCP | With DCP | |
|---|---|---|
| Eligible pay | $150,000 | $150,000 |
| Deferral amount | $0 | $25,000 |
| Tax bill* | $52,500 | $43,750 |
| Tax savings | $0 | $8,750 |
Why Participate?
The DCP Plan allows eligible participants to:
- Defer pre-tax compensation.
- Reduce taxable income.
- Utilize tax-advantaged investment options.
- Schedule penalty-free distributions for short-term goals while employed.
- Plan for retirement and other long-term savings goals in a tax-effective manner.
Fidelity NetBenefits
401(k) Savings, Retirement Planning & Deferred Comp
Contact Information
401(k): 1-800-835-5095
Retirement Planning & Deferred Comp: 1-800-603-4015
Available Monday through Friday from 8:30 a.m. to 8:30 p.m. ET.
Quick Links
Business Travel Accident (BTA) Insurance
Program Details
Business Travel Accident (BTA) insurance covers certain injuries or death resulting from an accident that happens while you are traveling for business.
This benefit is equal to your annual salary, up to a maximum of $500,000. It does not cover accidents that may occur while you’re traveling between your home and work.
Other benefits if experienced or related to a covered injury that occurs while traveling for business
- Identity theft protection
- Carjacking
- Coma
- Home alteration or vehicle modification
- Medical evacuation or repatriation
- Medical expense
- Natural disaster
- Psychological therapy
- Rehabilitation expense
- Seat belt and occupant protection device
- Travel assistance
Have questions about the Business Travel Accident policy?
Call 1-800-555-5808 (Option 3) to speak with a Resource Center representative to file a claim.
HR Resource Center
General Questions About Benefits & Eligibility
Contact Information
Available Monday through Friday from 9 a.m. to 6 p.m. ET.
Phone: 1-800-555-5808 (Option 3)
401(k) Retirement Planning
Jump to section:
401(k) Plan & Trust
Your 401(k) plan is an important part of preparing for your financial future. Invest some of what you earn today for what you plan to accomplish tomorrow. To learn more about your 401(k) benefit, confirm your eligibility and review the plan information below. Then, begin investing in your future, today.
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Plan Highlights & Eligibility
About the Plan
General Eligibility
Salaried Team Members, Sous Chefs, MITs, GEDMs, and Flex Managers are eligible to enroll in the OSI Restaurant Partners, LLC Salaried Employees 401(k) Plan & Trust.
The following Team Members are not eligible to participate in the Plan:
- Hourly Team Members
- Those not on U.S. payroll
- Those working for a non-participating employer
Highly Compensated Employees
Team Members who meet the IRS definition of a Highly Compensated Employee (those who earned $150,000 or more in 2023) are not permitted to participate in the 401(k) Plan in 2024. Instead, these Team Members may elect once a year in December to participate in the OSI Restaurant Partners, LLC HCE Deferred Compensation Plan (the “DCP Plan”).
Your Contributions
You may contribute your eligible compensation* on a pretax basis, up to the IRS contribution maximum. In 2024, you can contribute up to $23,000 on a pretax basis. If you’re age 50 or older in 2024, you may be eligible to contribute an additional $7,500 in catch-up contributions.
*Eligible compensation excludes bonuses (but includes monthly JVP, MP, and CP distributions paid through payroll).
- Team Member contributions will begin within 1-2 pay periods after enrollment.
- Plan contributions are made through regular payroll deductions, which make it easy and automatic. You can adjust your contribution rate at any time.
Company Contributions
401(k) Match
The 401(k) Plan has a discretionary employer match feature: this means the company will contribute funds into your 401(k) account, but only if you contribute as well.
For the 2024 plan year, Bloomin’ Brands will match 100% of the first 3% of your eligible compensation that you contribute to the Plan, plus 50% of the next 2%* that you contribute.
- To get the maximum benefit from the match feature, you should defer at least 5% of your pay.
- The match will be deposited into your account in the first quarter of the following year. Money deferred under the catch-up contribution allowance will not be matched.
- The 2024 matching contributions, if you remain eligible, will be paid into your account in March 2025.
*For managing partners and chef partners, the match will also be applied to 401(k) deferrals you make from your monthly distributions.
To be eligible for the match:
- you must be in a salaried or an hourly with salaried position as of Dec. 31 of the plan year; and
- your pre-tax contributions must have been made to the 401(k) plan that year.
Vesting
Vesting is your right to all or a portion of your account balance. You are immediately 100% vested in your Team Member contributions, including elective deferrals, catch-up contributions and rollover contributions, and in any company discretionary matching contributions, adjusted for earnings or losses.
Choosing Your Investments
Once you’re enrolled, make sure to review your investment selections periodically. If your goals or circumstances change, consider revising your strategy and investment selections to match them.
Information about investment options and any potential fees are available on the Fidelity website. Until you make your investment selections, contributions to your account will be invested in the Fidelity Freedom® Fund associated with your estimated retirement date based on your date of birth.
You may change the way your future contributions will be invested as often as once daily.
Your NetBenefits Account
You will use your NetBenefits account to make your 401(k) Plan elections, update your beneficiary information, and set your contribution rate. You can change your contribution rate at any time if your goals or life circumstances change.
Choosing Your Investments
Once you’re enrolled, make sure to review your investment selections periodically. If your goals or circumstances change, consider revising your strategy and investment selections to match them.
Information about investment options and any potential fees are available on the Fidelity website.
Until you make your investment selections, contributions to your account will be invested in the Fidelity Freedom® Fund associated with your estimated retirement date based on your date of birth.
You may change the way your future contributions will be invested as often as once daily.
Unless you elect otherwise, your 401(k) statements and related communications will be available when you log in to NetBenefits. To update your mail preferences and receive printed materials at the home address you have listed in BBI Connect, go to NetBenefits > Profile > Preferences.
Account Access & Support
You can access your account online at NetBenefits, over the phone with a Fidelity representative, and/or using the automated voice response system available 24/7. Contact information for Fidelity can be found below.
Get Support
Fidelity provides help addressing comprehensive financial needs. A suite of services includes investment strategies, retirement income planning, income and asset protection, and family assistance.
Fidelity NetBenefits
401(k) Savings, Retirement Planning & Deferred Comp
Contact Information
401(k): 1-800-835-5095
Retirement Planning & Deferred Comp: 1-800-603-4015
Available Monday through Friday from 8:30 a.m. to 8:30 p.m. ET.
Quick Links
Retirement Tools from Fidelity
Whether you’re looking for investment education, you want to review your finances, or you’re thinking about retirement, Fidelity can help you take your next steps with confidence. With robust, online capabilities and experienced representatives within easy reach, you’ll have support with your most important retirement and financial decisions.
Fidelity offers:
- Online workshops
- Online planning tools
- One-on-one support
Online Planning
Discover something new on NetBenefits. In the Library section, review educational articles, infographics, videos, and more. In the Planning section, model and plan for your financial goals using the Planning & Guidance Center. Refer to this flyer to help you set up and use your NetBenefits account today!
Guidance Consultants
Fidelity’s representatives are specially trained, have a detailed knowledge of Bloomin’ Brands’ 401(k) Plan, and can assist you with your questions. Representatives are available from 8:30 a.m. to 8:30 p.m. Eastern Time, Monday through Friday.
Call 1-800-835-5095 to start your one-on-one conversation.
Tips for Growing Your 401(k)
No matter where you are in life, one thing will always be true — there’s never a better time than now to start a savings program. Why? Right now, you have access to free money from Bloomin’ Brands. Now is always better than later so that your savings have time to grow due to a little something called compounded growth potential — which we will get into in a bit.
Don't Miss out on Free Money
Bloomin’ Brands matches 100% of the first 3% of your contributions, plus 50% of the next 2%. Money deferred under the catch-up contribution allowance will not be matched. How does free money sound? It’s a no-brainer right?
But believe it or not, many of your fellow employees are leaving money on the table — by not participating in the 401(k) Savings Plan or by contributing too little to earn the full match. Make sure to contribute 3% of your pay to get the dollar for dollar match — and contribute 5% of your pay to get the additional 50% match. That’s like getting a dollar-for-dollar match equal to 4% of your pay.
How much of a difference does it really make? Check this out…
| Jon defers 2% | Amy defers 6% | |
|---|---|---|
| Annual income | $40,000 | $40,000 |
| Deferral percentage | 2% | 6% |
| Team Member's contribution | $800 | $2,400 |
| Company contribution | $800 | $1,600 |
| Missed company contribution | $800 | $0 |
| Total contributed to the 401(k) | $1,600 | $4,000 |
Take Advantage of Compounded Growth Potential
Another great reason to invest in your 401(k) is compounded growth potential. Not only do you get to keep more of your money working for you, but your contributions, your Bloomin’ Brands contributions, and any earnings are reinvested back into your account to help your money grow even more. And the longer it stays in your 401(k) account, the harder each dollar works for you.
Check this out. Jon and Amy both make $40,000. Both started working at Bloomin’ Brands at age 25. Amy starts saving right away and contributes 6% of her pay until she is 65. Jon puts off signing up for the 401(k) until he’s 35, but decides to contribute 10% of his pay, saving for 30 years until retirement. Who is better off at age 65?
| Total contributions* | Total at age 65** | |
|---|---|---|
| Amy Total contributions, 6% of pay (40 years, from age 25 to 65) | $160,000 | $638,981 |
| Jon Total contributions, 10% of pay (30 years, from age 35 to 65) | $168,000 | $456,980 |
**Assumes 6% average annual investment earnings.
Build Your Financial Wellness
How are you taking care of your financial health? Give your money a checkup — or a whole new lease on life — starting here.
Money Checkup
Get a Money Checkup to find out your personal financial score. It’s a fun, easy way to see how you’re doing financially, and how to get more from your money. To start your checkup, log in to NetBenefits and go to the Money Checkup section, or text CLARITY to 343898.
Life Events
Fidelity will help you navigate life events and make these moments less complex. To choose an event, log in to NetBenefits and go to the interactive Life Events section. From there, explore tools and resources that can bring clarity to your decision-making.
Student Debt
Take control of your student loans. The student debt tool is here to help. Explore different repayment strategies using your real loan information to see if there’s a better way to pay off your loans for good. To get started, visit Fidelity’s Student Debt Dashboard. From there, explore tools and resources that can bring clarity to your decision-making.
Money Matters
Learn the basics. Get tips and resources for staying on top of all of life’s money matters — from paying down debt, saving for college, keeping up with bills, to budgeting and saving for the future. Log in to NetBenefits and browse the Resource Library.