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Frequently Asked Questions (FAQs)
Answers to Your Benefit Questions(blank)
General Enrollment
I am not sure which medical plan to choose. Will you please tell me?
Only you can determine which medical plan option works best for you and any eligible dependents.
Some items to consider:
- Do you want to pay more each paycheck and have a lower deductible when you incur eligible medical and prescription drug claims?
- Do you want to pay less each paycheck and have a higher deductible when you incur eligible medical and prescription drug claims?
What if I miss the open enrollment period?
If you miss the open enrollment period, you will not be able to enroll or make changes until the next open enrollment period, generally each fall, unless you experience a Qualifying Life Event that permits you to make benefits changes under IRS rules.
My family and I do not use a lot of health care and do not have a lot of health issues. Which medical plan option do you recommend I choose?
Only you can decide which medical plan option will meet the needs of you and your family. You can compare the plan designs and the costs per paycheck to help you decide.
Is my domestic partner eligible for coverage?
Only legal spouses, regardless of gender, are eligible for coverage in Bloomin’ Brands benefits.
I am newly eligible for benefits. When does that coverage begin?
When you first become eligible, as long as you enroll within your required timeframe, your coverage is effective the first of the month following the date you become eligible, or timely submit your changes due to a Qualifying Life Event.
If I add new dependents to my medical, dental, and/or vision coverage, will I need to provide proof that they are eligible?
Yes, supporting documentation must be emailed to BBIBenefits@BloominBrands.com within 31 days of your coverage effective date.
- Generally, you will need to provide a copy of the birth certificate for a dependent child.
- For a spouse, you typically need to provide a copy of your official marriage certificate or a copy of your most recent tax return.
If you do not provide the documentation by the deadline, your dependent(s) will not be enrolled in coverage.
Please explain how the coverage tiers work.
If you are enrolling only yourself for coverage, you select Employee (Empl) Only.
If you are enrolling yourself and your spouse for coverage, you select Employee & Spouse (Empl & Spouse) and check the box next to your spouse’s name.
If you are enrolling yourself and your child(ren) for coverage, you select Employee & Child(ren) (Empl & Child(ren)) and check the box next to each child’s name you are enrolling for coverage.
If you are enrolling yourself, your spouse, and your child(ren) for coverage, you select Family and check the box next to your spouse’s name and each child’s name you are enrolling for coverage.
How do I view my coverages for the current year?
Once you log in to Workday, click on Menu in the top left, then the Myself tab. In the second column on the Myself tab, locate Benefits and click on Benefits Summary. This will show you a listing of your current coverages and per-paycheck deductions.
Where can I find the 2025 paycheck rates?
The 2025 rates are published on the Medical Coverage and Pharmacy Benefits pages. You can access this information and more from the top navigation menu under Benefits > Health & Wellness > Medical Coverage & Resources.
How many paycheck deductions are there in 2025?
The per-paycheck rates are calculated based on 26 pay periods.
Medical
Do I still have coverage with Blue Cross and Blue Shield of Florida (FL) if I live in a different state?
Yes! As a member of BCBSFL, you have access to the National Alliance of Blue Cross and Blue Shield providers nationwide.
When will I receive medical ID cards from BCBSFL?
You will receive your medical ID cards after enrolling in your benefits for the first time. Generally, it takes up to 14 business days for cards to arrive after BCBSFL receives and processes your enrollment.
Does BCBSFL have coverage for virtual/telehealth doctor visits?
Yes, BCBSFL has an arrangement with Teladoc for virtual/telehealth visits.
Does BCBSFL offer any benefits or discounts for wellness or gym memberships?
Yes! As a member of BCBSFL, you will have access to a number of wellness, fitness, and other discounts through the Blue 365 discount program. You will be able to access more information when you log in to your My Health Toolkit account.
Do in-network and out-of-network claims count toward the in-network deductible?
The in-network deductible is separate from the out-of-network deductible.
Do in-network and out-of-network claims count toward the in-network out-of-pocket maximum?
The in-network out-of-pocket maximum amount is separate from the out-of-network out-of-pocket maximum.
Do my paycheck contributions for my medical coverage go toward my deductible or out-of-pocket maximum?
Your paycheck contributions are separate from your deductible and out-of-pocket maximum amounts.
Health Savings Account
What is a Health Savings Account (HSA)?
It is a bank account that you and Bloomin’ Brands can contribute to on your behalf if you are enrolled in either the Choice or Value HSA medical option. You must take action to open this account.
Can I contribute my own money to the Health Savings Account (HSA)?
Yes, you may contribute your own money to the HSA. The total amount contributed by you and by any Health Rewards contributions you earn from Bloomin’ Brands cannot exceed the annual amount set by the IRS.
What is the maximum amount I can contribute to the Health Savings Account (HSA)?
For 2025, you and Bloomin’ Brands can contribute a total of $4,300 if you are enrolled in single medical coverage, or a total of $8,550 if you are enrolled in family medical coverage. If you are age 55 years old or older, you may contribute an additional $1,000 in catch-up contributions. Remember, these amounts are the full annual amount permitted by the IRS. The amount you may elect to contribute is reduced by the maximum amount of Health Rewards dollars you are eligible to earn.
Do I lose the money in my Health Savings Account (HSA) if I don’t use it during the year?
No, that money is yours and rolls over from year to year, if you do not use it to pay for eligible health care expenses. It is also yours to keep if you no longer work for the company.
Why am I seeing HSA deductions from my paycheck, but AccrueHealth says I have a zero balance in my HSA? Where is my money going?
You are required to open an HSA with AccrueHealth, so that your HSA paycheck contributions can be deposited into it. The account is not automatically opened on your behalf.
When I retire, can I use my HSA funds to pay for my insurance and/or Medicare premiums?
When you are no longer actively working, certain premiums for health insurance may be eligible expenses under your HSA. Please consult a tax adviser for more information on what expenses are eligible.
How do I access information about my Health Savings Account (HSA)?
To open and access your 2025 HSA with AccrueHealth, visit member.accrue-health.com. You will need your AccrueHealth debit card to create a new account.
Flexible Spending Accounts - Health and Dependent Care
Will my FSA debit card still work in 2025?
Yes, if you enroll in a PPO medical plan option and elect to contribute to the Health Care FSA for 2025.
Who is the FSA administrator?
WEX benefits will continue to administer the Health Care and Dependent Care FSAs for 2025.
Can I use my Dependent Care FSA to pay for the health care expenses for my spouse or children?
No, the Dependent Care Flexible Spending Account (DCFSA) is only for eligible day care expenses for your children under age 13.
I have not used some or all of my Dependent Care funds. Can I get these refunded to me so I do not lose them?
No. The IRS requires that any unused funds in a Flexible Spending Account are forfeited.
Will my Flexible Spending Account elections automatically roll over each year?
No. You are required to actively make your Health Care and Dependent Care Flexible Spending Account elections annually if you want to contribute.
Wellness Program
Bloomin’ Brands is committed to helping you achieve your best health. Rewards for participating in a wellness program are available to all employees.
What is the reward for participating in the wellness program?
In 2025, you will have the opportunity to participate in wellness activities and get rewarded. By completing wellness activities, you will earn a medical premium discount in 2026! Plus, if your spouse is enrolled in a BBI medical plan and completes the same requirements, you will receive an additional premium discount for 2026!
This is what you need to do:
- Complete the online health risk assessment.
- Complete either a biometric screening or a routine physical exam.
- Earn a total of 200 points.
Review the Wellness Program page to learn more about how to earn points toward the 2026 medical premium discount.
How do I set up my Personify Health account?
- Log in to your My Health Toolkit account.
- Select Wellness and then Personify Health to enroll in your account.
- Accept the terms and conditions.
Once your account is set up, you’ll begin with a short, confidential survey called the Personal Health Assessment. Then, you can start completing program activities and building healthier habits one day at a time.
You can use the Personify Health app to manage your Health Rewards, available for Apple and Android devices.
Can my family members or dependents join Personify Health too?
Yes. As long as they are on your health plan, family members and dependents can sign up by logging in to My Health Toolkit and creating a Personify Health account.
Can I still earn a premium discount if I have an injury or medical exception?
Yes. Rewards for participating in a wellness program are available to all employees. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means.
Contact the Bloomin’ Brands Resource Center at 1-800-555-5808 (select Option 3) and we will work with you – and, if you wish, with your doctor – to find a wellness program with the same reward that is right for you in light of your health status.
Prescription Drugs
What is Express Scripts (ESI) and what do they provide?
Express Scripts (ESI) is the administrator for the prescription drug plan. When you purchase your prescriptions at a participating retail pharmacy, or use the ESI Mail Order or any network pharmacy for your maintenance medications, you will save money on covered medications through the ESI negotiated rates, even when you are still in the process of satisfying your annual deductible.
What is the website for Express Scripts (ESI)?
Before you become a member, you can check their pre-enrollment website to learn more about Express Scripts, check to see if your medication is covered, and the estimated cost. Members can log in at express-scripts.com to view their specific information.
Will I receive a new prescription drug ID card from Express Scripts (ESI)?
If you enroll for medical coverage with Bloomin’ Brands, you will receive ID cards from Express Scripts. Generally, it takes up to 14 business days for cards to arrive after Express Scripts receives and processes your enrollment.
Dental
When will I receive dental ID cards from Cigna?
If you elect the DHMO plan, it can take up to 14 business days for cards to arrive after Cigna receives and processes your enrollment.
If you elect the DPPO plan, you will have access to electronic ID cards.
What is a Dental Preferred Provider Option (DPPO)?
The DPPO allows you to use either an in-network or out-of-network dental provider. The DPPO pays benefits after you and your covered dependents meet an annual deductible. You pay a percentage of the cost of services, or coinsurance, after you meet the deductible. The DPPO will only pay up to the annual maximum for eligible services each year; after the annual maximum, you pay 100% of costs for the rest of the plan year. See Dental Coverage for details.
What is a Dental Health Maintenance Option (DHMO)?
A DHMO provides coverage only for eligible dental services provided by a participating dentist. You must choose a primary dentist for yourself and each of your covered dependents. Generally, you only pay a fixed cost for eligible dental services, with no deductible. There is no coverage if you use a dentist not in the DHMO network. See Dental Coverage for details.
Vision
Will I receive vision ID cards from Vision Service Provider (VSP)?
No, VSP does not issue ID cards. Your vision provider will ask for specific information from you to verify your eligibility and benefits coverage from VSP.
How do the vision benefits work, and does it matter which medical plan I choose?
You elect vision benefits with VSP separately from your medical plan, and the coverage under the vision plan is the same regardless of which medical plan you choose.
VSP provides coverage with copayments or discounts on routine eye exams, glasses, or contact lenses. You may get a routine eye exam once every calendar year. You may replace the lenses in your eyeglasses once every calendar year, and replace your glasses frames once every calendar year. If you prefer to use contact lenses, you may get a supply up to a certain dollar allowance, once every calendar year, instead of eyeglasses.
Is coverage for eyeglasses or contact lenses included in my medical coverage?
You must enroll separately for Vision coverage with VSP in order to have benefits coverage for eyeglasses or contact lenses.
Can I get new eyeglasses and contact lenses in the same calendar year?
The vision plan provides for either eyeglasses or contact lenses each year, but not both.
Can I get new eyeglass frames each year?
The vision plan provides coverage for eyeglass frames once every other year. For example, if you purchase a complete pair of eyeglasses (lenses and frames) in 2024, you can only get new lenses in 2025. You must wait until 2026 to receive benefits for a complete pair of eyeglasses again.
Perks at Work
How do I register to take advantage of the discounts from Perks at Work?
Visit the Perks at Work website and click Sign Up for Free. On the next page, enter your work email address (or personal email if you do not have a Bloomin’ Brands email address), enter Bloomin’ Brands where it asks for the Company Name, and click Continue. Perks at Work will then send you an email to log in and complete your profile and registration, so you can begin using the discounts.
401(k)
How do I contact Fidelity and what is their website?
You can reach Fidelity by calling 1-800-835-5095, between 8:30 a.m. and 8 p.m. ET, Monday through Friday.
Fidelity’s website at netbenefits.com is where you log in to enroll in and manage your 401(k) account, designate and update your beneficiaries for your 401(k) account, as well as take advantage of numerous tools and educational resources to help with your overall financial wellness and planning.
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General Enrollment
I am not sure which medical plan to choose. Will you please tell me?
Only you can determine which medical plan option works best for you and any eligible dependents.
Some items to consider:
- Do you want to pay more each paycheck and have a lower deductible when you incur eligible medical and prescription drug claims?
- Do you want to pay less each paycheck and have a higher deductible when you incur eligible medical and prescription drug claims?
What if I miss the open enrollment period?
If you miss the open enrollment period, you will not be able to enroll or make changes until the next open enrollment period, generally each fall, unless you experience a Qualifying Life Event that permits you to make benefits changes under IRS rules.
My family and I do not use a lot of health care and do not have a lot of health issues. Which medical plan option do you recommend I choose?
Only you can decide which medical plan option will meet the needs of you and your family. You can compare the plan designs and the costs per paycheck to help you decide.
Is my domestic partner eligible for coverage?
Only legal spouses, regardless of gender, are eligible for coverage in Bloomin’ Brands benefits.
I am newly eligible for benefits. When does that coverage begin?
When you first become eligible, as long as you enroll within your required timeframe, your coverage is effective the first of the month following the date you become eligible, or timely submit your changes due to a Qualifying Life Event.
If I add new dependents to my medical, dental, and/or vision coverage, will I need to provide proof that they are eligible?
Yes, supporting documentation must be emailed to BBIBenefits@BloominBrands.com within 30 days of your coverage effective date.
- Generally, you will need to provide a copy of the birth certificate for a dependent child.
- For a spouse, you typically need to provide a copy of your official marriage certificate or a copy of your most recent tax return.
If you do not provide the documentation by the deadline, your dependent(s) will not be enrolled in coverage.
Please explain how the coverage tiers work.
If you are enrolling only yourself for coverage, you select Employee (Empl) Only.
If you are enrolling yourself and your spouse for coverage, you select Employee & Spouse (Empl & Spouse) and check the box next to your spouse’s name.
If you are enrolling yourself and your child(ren) for coverage, you select Employee & Child(ren) (Empl & Child(ren)) and check the box next to each child’s name you are enrolling for coverage.
If you are enrolling yourself, your spouse, and your child(ren) for coverage, you select Family and check the box next to your spouse’s name and each child’s name you are enrolling for coverage.
How do I view my coverages for the current year?
Once you log in to Workday, click on “Menu” in the top left, then the “Myself” tab. In the second column on the “Myself” tab, locate “Benefits” and click on “Benefits Summary.” This will show you a listing of your current coverages and per-paycheck deductions.
Where can I find the 2024 paycheck rates?
The 2024 rates are published on the Medical Coverage and Pharmacy Benefits pages. You can access this information and more from the top navigation menu under Benefits > Health & Wellness > Medical Coverage & Resources.
How many paycheck deductions are there in 2024?
The per-paycheck rates are calculated based on 26 pay periods.
Medical
Do I still have coverage with Blue Cross and Blue Shield of Florida (FL) if I live in a different state?
Yes! As a member of BCBSFL, you have access to the National Alliance of Blue Cross and Blue Shield providers nationwide.
When will I receive medical ID cards from BCBSFL?
You will receive your medical ID cards after enrolling in your benefits for the first time. Generally, it takes up to 14 business days for cards to arrive after BCBSFL receives and processes your enrollment.
Does BCBSFL have coverage for virtual/telehealth doctor visits?
Yes, BCBSFL has an arrangement with Teladoc for virtual/telehealth visits.
Does BCBSFL offer any benefits or discounts for wellness or gym memberships?
Yes! As a member of BCBSFL, you will have access to a number of wellness, fitness, and other discounts through the Blue 365 discount program. You will be able to access more information when you log in to your My Health Toolkit account.
What is a deductible?
This is the amount you must pay for your eligible medical and prescription drug claims before your health plan starts to share in the cost. If you receive non-covered services (such as cosmetic surgery), or are balance billed by an out-of-network provider, these expenses will not count toward your deductible.
Do in-network and out-of-network claims count toward the in-network deductible?
The in-network deductible is separate from the out-of-network deductible.
What is coinsurance?
It is a percentage amount that you are responsible for paying after you have met your deductible but before you have met your out-of-pocket maximum. This is when the plan starts to share in the cost of eligible claims.
What is an out-of-pocket maximum?
The out-of-pocket maximum is the maximum amount you are responsible to pay for eligible, covered expenses during a calendar year. If you receive non-covered services (such as cosmetic surgery), or are balance billed by an out-of-network provider, these expenses will not count toward your out-of-pocket maximum.
Do in-network and out-of-network claims count toward the in-network out-of-pocket maximum?
The in-network out-of-pocket maximum amount is separate from the out-of-network out-of-pocket maximum.
Do my paycheck contributions for my medical coverage go toward my deductible or out-of-pocket maximum?
Your paycheck contributions are separate from your deductible and out-of-pocket maximum amounts.
Health Savings Account
What is the difference between an HRA and HSA?
An HRA is a fund, established by Bloomin’ Brands, in which money you earn by completing Health Rewards is deposited by Bloomin’ Brands. You cannot contribute your own money, and you do not own the account so you cannot take unused money with you if you are no longer enrolled in an HRA medical option or leave Bloomin’ Brands.
An HSA is a type of bank account, opened by you, in which money you contribute plus money you earn by completing Health Rewards is deposited by Bloomin’ Brands. Once you have a certain amount of money in your account, you have the option to invest those funds. You always own the account, and the money is yours.
What is a Health Savings Account (HSA)?
It is a bank account that you and Bloomin’ Brands can contribute to on your behalf if you are enrolled in either the Choice or Value HSA medical option. You must take action to open this account.
Can I contribute my own money to the Health Savings Account (HSA)?
Yes, you may contribute your own money to the HSA. The total amount contributed by you and by any Health Rewards contributions you earn from Bloomin’ Brands cannot exceed the annual amount set by the IRS.
What is the maximum amount I can contribute to the Health Savings Account (HSA)?
For 2024, you and Bloomin’ Brands can contribute a total of $4,150 if you are enrolled in single medical coverage, or a total of $8,300 if you are enrolled in family medical coverage. If you are age 55 years old or older, you may contribute an additional $1,000 in catch-up contributions. Remember, these amounts are the full annual amount permitted by the IRS. The amount you may elect to contribute is reduced by the maximum amount of Health Rewards dollars you are eligible to earn.
Do I lose the money in my Health Savings Account (HSA) if I don’t use it during the year?
No, that money is yours and rolls over from year to year, if you do not use it to pay for eligible health care expenses. It is also yours to keep if you no longer work for the company.
Why am I seeing HSA deductions from my paycheck, but AccrueHealth says I have a zero balance in my HSA? Where is my money going?
You are required to open an HSA account with AccrueHealth, so that your HSA paycheck contributions can be deposited into it. The account is not automatically opened on your behalf.
When I retire, can I use my HSA funds to pay for my insurance and/or Medicare premiums?
When you are no longer actively working, certain premiums for health insurance may be eligible expenses under your HSA. Please consult a tax adviser for more information on what expenses are eligible.
How do I access information about my Health Savings Account (HSA)?
To open and access your 2024 HSA account with AccrueHealth, visit member.accrue-health.com. You will need your AccrueHealth debit card to create a new account.
Health Reimbursement Account
What is the difference between an HRA and HSA?
An HRA is a fund, established by Bloomin’ Brands, in which money you earn by completing Health Rewards is deposited by Bloomin’ Brands. You cannot contribute your own money, and you do not own the account so you cannot take unused money with you if you are no longer enrolled in an HRA medical option or leave Bloomin’ Brands.
An HSA is a type of bank account, opened by you, in which money you contribute plus money you earn by completing Health Rewards is deposited by Bloomin’ Brands. Once you have a certain amount of money in your account, you have the option to invest those funds. You always own the account, and the money is yours.
What is a Health Reimbursement Account (HRA)?
It is a fund that only Bloomin’ Brands can contribute to on your behalf if you are enrolled in either the Choice or Value HRA medical option. This fund is opened on your behalf when you enroll in one of the HRA medical options.
Can I contribute my own money to the Health Reimbursement Account (HRA)?
Only Bloomin’ Brands can contribute to the HRA. You, and your enrolled spouse, can earn these contributions (also called Health Rewards) by completing activities with Strive.
Will I lose the money in my Health Reimbursement Account (HRA) if I don’t use it during the year?
No, that money rolls over from year to year, if you do not use it to pay for eligible health care expenses and remain enrolled in an HRA medical option.
Will I lose the money in my Health Reimbursement Account (HRA) if I change to a Health Savings Account (HSA) medical option, drop my medical coverage entirely, or stop working for Bloomin’ Brands?
Yes, you will lose the money in your HRA if you:
- Change from an HRA to an HSA medical plan option,
- Drop medical coverage entirely, or
- Stop working for Bloomin’ Brands.
How do I access information about my Health Reimbursement Account (HRA)?
To open and access your 2024 HRA account with AccrueHealth, visit member.accrue-health.com. You will need your AccrueHealth debit card to create a new account.
Health Rewards
How much can I earn in Health Rewards annually?
For completing the health survey and other healthy activities, the amount you can earn annually to be deposited in your HSA or HRA account varies based on your medical coverage tier.
- For employee-only coverage, you can earn up to $400.
- For family coverage, you can earn up to $800, and if enrolled, your spouse can earn an additional $150.
How do I set up my new Strive account?
If you’re new to Health Rewards, you will need to create a Strive account.
- From a desktop computer: Log in to your My Health Toolkit account, select the Wellness tab, and then Strive.
- From a mobile device: Log in to your My Health Toolkit account, select Benefits, and then Strive to get started.
- Accept the terms and conditions.
- Once your account is set up, you’ll begin with a short, confidential survey called the Personal Health Assessment.
- Download the Virgin Pulse mobile app by searching “Virgin Pulse” in the App Store or Google Play.
Can my family members or dependents join Strive too?
Yes. As long as they are on your health plan, family members and dependents can sign up by logging in to My Health Toolkit and creating a new Strive account.
Can I still earn Strive rewards if I have an injury or medical exception?
Yes. Members who are unable to achieve ideal targets due to a current or chronic medical condition or are unable to take measurements and/or track physical activity because of a disability can fill out a Reasonable Alternative form. Go to Virgin Pulse support and select the Help icon in the bottom-right corner of the screen. There, you can request a document and either submit a form online or fax it to 1-888-501-6442.
How do I connect a fitness tracker or device to my Strive account?
Open your Strive app and view your Profile menu. From the drop-down list, select Devices & Apps. You have the option to connect one of your personal devices/trackers, but you can also use one of the free compatible devices or apps to track your daily steps.
Can I still use my Rally coins or earn rewards?
No. Strive has replaced Rally as our Health Rewards provider. Members will not be able to complete any activities on Rally, earn rewards or coins, or use the Rally platform as of January 1, 2023.
Prescription Drugs
What is Express Scripts (ESI) and what do they provide?
Express Scripts (ESI) is the administrator for the prescription drug plan. When you purchase your prescriptions at a participating retail pharmacy, or use the ESI Mail Order or Walgreens or CVS Smart90 program for your maintenance medications, you will save money on covered medications through the ESI negotiated rates, even when you are still in the process of satisfying your annual deductible.
What is the website for Express Scripts (ESI)?
Before you become a member, you can check their pre-enrollment website to learn more about Express Scripts, check to see if your medication is covered, and the estimated cost. Members can log in at express-scripts.com to view their specific information.
Will I receive a new prescription drug ID card from Express Scripts (ESI)?
If you enroll for medical coverage with Bloomin’ Brands, you will receive ID cards from Express Scripts. Generally, it takes up to 14 business days for cards to arrive after Express Scripts receives and processes your enrollment.
Dental
When will I receive dental ID cards from Cigna?
If you elect the DHMO plan, it can take up to 14 business days for cards to arrive after Cigna receives and processes your enrollment.
If you elect the DPPO plan, you will have access to electronic ID cards.
What is a Dental Preferred Provider Option (DPPO)?
The DPPO allows you to use either an in-network or out-of-network dental provider. The DPPO pays benefits after you and your covered dependents meet an annual deductible. You pay a percentage of the cost of services, or coinsurance, after you meet the deductible. The DPPO will only pay up to the annual maximum for eligible services each year; after the annual maximum, you pay 100% of costs for the rest of the plan year. See Dental Coverage for details.
What is a Dental Health Maintenance Option (DHMO)?
A DHMO provides coverage only for eligible dental services provided by a participating dentist. You must choose a primary dentist for yourself and each of your covered dependents. Generally, you only pay a fixed cost for eligible dental services, with no deductible. There is no coverage if you use a dentist not in the DHMO network. See Dental Coverage for details.
Vision
Will I receive vision ID cards from Vision Service Provider (VSP)?
No, VSP does not issue ID cards. Your vision provider will ask for specific information from you to verify your eligibility and benefits coverage from VSP.
How do the vision benefits work, and does it matter which medical plan I choose?
You elect vision benefits with VSP separately from your medical plan, and the coverage under the vision plan is the same regardless of which medical plan you choose.
VSP provides coverage with copayments or discounts on routine eye exams, glasses, or contact lenses. You may get a routine eye exam once every calendar year. You may replace the lenses in your eyeglasses once every calendar year, and replace your glasses frames once every calendar year. If you prefer to use contact lenses, you may get a supply up to a certain dollar allowance, once every calendar year, instead of eyeglasses.
Is coverage for eyeglasses or contact lenses included in my medical coverage?
You must enroll separately for Vision coverage with VSP in order to have benefits coverage for eyeglasses or contact lenses.
Can I get new eyeglasses and contact lenses in the same calendar year?
The vision plan provides for either eyeglasses or contact lenses each year, but not both.
Can I get new eyeglass frames each year?
The vision plan provides coverage for eyeglass frames once every other year. For example, if you purchase a complete pair of eyeglasses (lenses and frames) in 2023, you can only get new lenses in 2024. You must wait until 2025 to receive benefits for a complete pair of eyeglasses again.
Perks at Work
How do I register to take advantage of the discounts from Perks at Work?
Visit the Perks at Work website and click “Sign Up for Free.” On the next page, enter your work email address (or personal email if you do not have a Bloomin’ Brands email address), enter “Bloomin’ Brands” where it asks for the Company Name, and click “Continue.” Perks at Work will then send you an email to log in and complete your profile and registration, so you can begin using the discounts.
HR Resource Center
Contact Information
Available Monday through Friday from 9 a.m. to 6 p.m. ET.
Phone: 1-800-555-5808 (Option 3)
Contacts
Get Support from Your Benefits Providers
AccrueHealth
Health Savings Account (HSA)
Contact Information
Phone: 1-844-643-3099
Available Monday through Friday from 8 a.m. - 8 p.m. ET.
Quick Links
Blue Cross & Blue Shield of Florida (BCBSFL) or Florida Blue
Medical
Contact Information
Phone: 1-833-578-1132
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)
Cigna
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
Express Scripts
Pharmacy
Contact Information
Phone: 1-866-725-2520
Magellan Healthcare
Employee Assistance Program (EAP)
Contact Information
Phone: 1-800-327-6754
MetLife Legal Plans
Legal
Contact Information
Phone: 1-800-821-6400
Available Monday through Friday from 8 a.m. to 8 p.m. ET.
Quick Links
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
Personify Health
Health Rewards
Contact Information
Available Monday through Friday from 8 a.m. to 9 p.m. ET.
Phone: 1-855-944-2058
Teladoc Health
Medical, Dermatology, & Mental Health Services
Contact Information
Phone: 1-866-789-8155
Quick Links
ThrivePass
Benefits Billing (formerly The Taben Group)
Contact Information
Phone: 866-855-2844
VSP Vision Care
Wex Benefits
Commuter Benefits, Flexible Spending Accounts (FSAs), and COBRA Continuation Coverage
Contact Information
Available Monday through Friday from 6 a.m. to 9 p.m. CT.
Phone: 1-866-451-3399
Fax: 1-866-451-3245
AccrueHealth
Health Savings & Reimbursement Accounts
Contact Information
Phone: 1-844-643-3099
Available Monday through Friday from 8 a.m. - 8 p.m. ET.
Blue Cross & Blue Shield of Florida (BCBSFL)
Medical
Contact Information
Medical: 1-833-578-1132
Quit for Life: 1-866-784-8454
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)
Cigna
Fidelity NetBenefits
401(k) Savings, Retirement Planning & Deferred Comp
Contact Information
Phone: 1-800-835-5095
Available Monday through Friday from 8:30 a.m. to 8:30 p.m. ET.
Express Scripts
Pharmacy
Contact Information
Phone: 1-866-725-2520
Magellan Ascend
Employee Assistance Program (EAP)
Contact Information
Phone: 1-800-327-6754
MetLife Legal Plans
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
Personify Health
Health Rewards
Contact Information
Available Monday through Friday from 8 a.m. to 9 p.m. ET.
Phone: 1-855-944-2058
Teladoc Health
ThrivePass
Benefits Billing (formerly The Taben Group)
Contact Information
Phone: 866-855-2844
VSP Vision Care
Wex Benefits
Flexible Spending Accounts (FSAs) & COBRA Continuation Coverage
Contact Information
Available Monday through Friday from 6 a.m. to 9 p.m. CT.
Phone: 1-866-451-3399
Fax: 1-866-451-3245
Resources & Tools
Benefit Extras & Discounts
Benefit Extras
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Adoption Assistance
Eligible 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).
Eligibility
Team Members are eligible for Adoption Assistance benefits if they are:
- Currently enrolled in OSI Restaurant Partners, LLC benefit plans, or
- Eligible for coverage under the OSI Restaurant Partners, LLC benefit plans.
If you and your spouse or domestic partner are both employed by OSI Restaurant Partners, LLC, only one of you may apply for reimbursement of the same incurred expenses.
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
About the Program
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
Resources
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 Workday so that you don’t miss important communication regarding your leave.
Meal Comp
About the Program
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 Workday 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
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Adoption Assistance
Eligible 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).
Eligibility
Team Members are eligible for Adoption Assistance benefits if they are:
- Currently enrolled in OSI Restaurant Partners, LLC benefit plans, or
- Eligible for coverage under the OSI Restaurant Partners, LLC benefit plans.
If you and your spouse or domestic partner are both employed by OSI Restaurant Partners, LLC, only one of you may apply for reimbursement of the same incurred expenses.
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 Workday.
Important: Make sure your address is up-to-date in Workday 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
About the Program
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).
Get Started
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
About the Program
Save on Your Next Home Loan: Rocket Mortgage Exclusive Offer
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.
Get Started
To get started, visit the Rocket Mortgage website or call 888-569-4983.
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: 25% 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
Special Enrollment Opportunity for 2026
You can enroll in short-term disability (STD) and/or long-term disability (LTD) buy-up coverage for 2026 without evidence of insurability (EOI) or health questions required. Coverage is guaranteed, even for those previously denied.
This is a one-time special opportunity during this year’s Open Enrollment only – October 28 to November 11, 2025.
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%).
Designating A 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.
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.
Supplemental Coverage
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.
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Life Insurance Matters: Here's Why
Plan Information
| 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) | $260,000 for Hourly with Salaried benefits or Salaried employees $400,000 for Vice Presidents and above | $50,000 | Not applicable |
| Rates based on | Your age (as of January 1 of the current plan year) | Spouse's age (as of January 1 of the current plan year) | Flat rate, regardless of the number of eligible children insured |
| Coverage ends | Not applicable | Not applicable | On the 26th birthday |
Enrollment & Evidence of Insurability (EOI)
If you choose to enroll in supplemental coverage when you first become benefits-eligible, you can elect coverage up to the guaranteed issue amount without providing 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.
- 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.
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
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) | $260,000 for Hourly with Salaried benefits or Salaried employees $400,000 for Vice Presidents and above | $50,000 | Not applicable |
| Rates based on | Your age (as of January 1 of the current plan year) | Spouse's age (as of January 1 of the current plan year) | Flat rate, regardless of the number of eligible children insured |
| Coverage ends | Not applicable | Not applicable | On the 26th birthday |
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
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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Tap or click the content below and scroll to access all the information.
| 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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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 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
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.
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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
Are you using a device with a small screen?
Tap or click the content below and scroll to access all the information.
| 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
Are you using a device with a small screen?
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 |
Maternity Benefit
Another way we take care of our employees is by providing a short-term disability (STD) benefit for team members who are recovering from childbirth.
This program provides 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.
For more information about this benefit, please review the Frequently Asked Questions (FAQs).
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 |
Disability Insurance Matters: Here's Why
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
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
Are you using a device with a small screen?
Tap or click the content below and scroll to access all the information.
| 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
Are you using a device with a small screen?
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 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
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
Are you using a device with a small screen?
Tap or click the content below and scroll to access all the information.
| 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
Are you using a device with a small screen?
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