Frequently Asked Questions (FAQs)
Answers to Your Benefit QuestionsGeneral Enrollment
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I am not sure which medical plan to choose. Can you tell me which one is best?
Only you can determine which medical plan option works best for you and any eligible dependents. Consider whether you prefer lower paycheck contributions with a higher deductible, or higher paycheck contributions with a lower deductible.
What if I miss the Open Enrollment period?
If you do not enroll or make changes during Open Enrollment, you must wait until the next Open Enrollment period unless you experience a Qualifying Life Event (QLE) that allows changes under IRS rules.
Is my domestic partner eligible for coverage?
No. Only legal spouses are eligible for coverage under Bloomin’ Brands benefits.
I’m newly eligible for benefits. When does my coverage begin?
Coverage begins the first of the month following the date you become eligible, provided you enroll within the required timeframe or following a Qualifying Life Event (QLE).
Do I need to provide proof of eligibility when adding dependents?
Yes. Documentation must be submitted within the required timeframe. Examples include birth certificates for children and marriage certificates or recent tax returns for spouses. Failure to provide documentation will result in dependents not being enrolled in coverage.
How do coverage tiers work?
Coverage tiers include Employee Only, Employee & Spouse, Employee & Child(ren), and Family. You must check each dependent you wish to enroll.
How do I view my current benefits?
In Workday, navigate to Menu → Personal → Benefits and Pay. Click on the shield with a heart (Benefits) → Benefit Elections to view your coverages and paycheck deductions.
Where can I find my paycheck rates?
Paycheck rates are posted on the Medical Coverage and Pharmacy Benefits pages under the Benefits → Health & Wellness → Medical Coverage & Resources section of the website.
How many paycheck deductions are there each year?
Per-paycheck rates are based on the company’s standard number of pay periods.
Medical
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Do I have coverage with Florida Blue if I live in another state?
Yes. Members have access to the nationwide Blue Cross Blue Shield provider network.
When will I receive my medical ID cards?
Cards are mailed after your enrollment is processed. Generally, it can take up to 14 business days.
Does Florida Blue offer virtual/telehealth doctor visits?
Yes. Virtual visits are available through Teladoc.
Are there wellness or gym membership discounts with Florida Blue?
Yes. Discounts are available through the Blue365 program via your My Health Toolkit account.
What is a deductible?
A deductible is the amount you pay for eligible medical and prescription costs before the plan begins sharing the cost.
What is coinsurance?
Coinsurance is the percentage you pay after meeting your deductible and before reaching your out-of-pocket maximum.
What is an out-of-pocket maximum?
It is the maximum you pay for eligible services each calendar year. Non-covered services do not count.
What is a copay?
A copay is a fixed fee that patients pay out of pocket at the time of receiving a healthcare service.
Do in-network and out-of-network claims combine toward my deductible or out-of-pocket maximum?
No. In-network and out-of-network amounts are tracked separately.
Do paycheck contributions count toward my deductible or out-of-pocket maximum?
No. Paycheck contributions are separate from deductible and out-of-pocket limits.
Health Savings Account (HSA)
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What is a Health Savings Account (HSA)?
An HSA is a personal bank account for eligible health care expenses. You may contribute if you are enrolled in our Choice HSA-eligible medical plan.
Can I contribute my own money?
Yes. You may contribute up to the IRS maximum each year.
Do I lose HSA money if I don’t use it?
No. HSA funds roll over each year and remain yours even if you leave the company.
Why does my HSA show a zero balance?
You must open your HSA before contributions can be deposited. The account is not opened automatically.
Can I use HSA funds after retirement?
When you are no longer actively working, certain premiums for health insurance may be eligible expenses under your HSA. Please consult a tax advisor for more information on what expenses are eligible.
How do I access my HSA information?
Visit AccrueHealth’s member portal after opening your account.
Flexible Spending Accounts (FSA)
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Will my FSA debit card still work next year?
Yes, if you enroll in a PPO medical plan option and re-enroll in Health Care FSA, your FSA debit card will work next year if it has not expired.
Who administers FSAs?
FSAs are administered by WEX.
Can I use my Dependent Care FSA for medical expenses?
No. Dependent Care FSA funds are only for eligible childcare expenses.
Will unused FSA funds be refunded?
No. Unused funds are forfeited under IRS rules.
Do FSA elections roll over automatically?
No. You must re-enroll each year to participate.
Health Rewards & Wellness Program
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What rewards are available for participating in the wellness program?
Employees can earn premium discounts by completing the wellness program activities every year.
How do I set up my wellness account?
Log in to your My Health Toolkit, select the wellness program link, and complete enrollment and the Personal Health Assessment.
Can family members participate?
Yes. Spouses enrolled in your medical plan may create their own wellness accounts.
What if I cannot meet a wellness requirement due to a medical condition?
You may request an alternative activity through the HR Resource Center by contacting 1-800-555-5808, option 3.
Prescription Drugs
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What does Express Scripts (ESI) provide?
Express Scripts (ESI) administers the prescription drug plan and offers discounted pricing and mail-order services.
Will I receive a prescription ID card?
Yes. ID cards are mailed after medical enrollment is processed. Generally, it takes up to 14 business days for cards to arrive.
Dental
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When will I receive dental ID cards?
DHMO plans issue physical cards; DPPO plans offer electronic cards.
What is a 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 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
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Will I receive vision ID cards?
No. VSP does not issue ID cards; providers verify eligibility electronically.
How do vision benefits work?
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 other 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.
Can I get eyeglasses and contacts in the same year?
No. You must choose either glasses or contacts each year.
How often can I get new frames?
Frames are covered on a set schedule as defined by the vision plan. Generally, they are covered once every other year.
Perks at Work
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How do I register for 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)
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How do I contact Fidelity and where do I manage my 401(k)?
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.
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)
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
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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Meal Comp
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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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| 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
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| Plan Details | Core LTD | Buy-Up LTD |
|---|---|---|
| Salary | 40% of your covered base salary and performance bonus up to $1,500 monthly | Additional 20% of covered base salary and performance bonus up to $15,000 monthly (Core + Buy-Up) |
| When benefits begin | Benefits begin after 180-day waiting period | Benefits begin after 180-day waiting period |
| What you pay | Bloomin’ Brands pays the full cost | You pay the cost difference for Buy-Up via payroll deduction |
| Taxable | Benefits are taxable | Benefits are taxable |
| Enrollment | You are automatically enrolled when first eligible, with no questionnaire required | Enroll when first eligible without medical questionnaire, or enroll during open enrollment and a questionnaire will be required; May cancel only during open enrollment |
Buy-Up Disability Insurance
You have the option to add Buy-Up STD and/or LTD insurance. Use the information below to learn more and calculate your Buy-Up premium(s) based on your pay.
Buy-Up STD
The optional Buy-Up STD plan offers you the opportunity to enhance your coverage by electing to change your gross weekly benefit to 60% of covered earnings per week and to change your maximum weekly benefit amount to $2,000.
Buy-Up LTD
This optional Buy-Up LTD plan offers you the opportunity to enhance your coverage by electing to change your gross monthly benefit to 60% of covered earnings per month and to change your maximum monthly benefit amount up to $15,000.
Evidence of Insurability (EOI)
If you elect Buy-Up coverage when you are first eligible, you will be able to enroll without having to provide evidence of your good health, or Evidence of Insurability (EOI).
If you don’t enroll when you are first eligible, you can enroll during a future annual open enrollment period, but you will need to complete an Evidence of Insurability (EOI) Form provided by New York Life. Your Buy-Up coverage will not begin until New York Life approves your election.
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| Plan Details | STD Buy-Up | LTD Buy-Up |
|---|---|---|
| Amount of your earnings replaced | Base Salary replaced: Additional 20% to a $2,000 maximum (Core + Buy-Up) weekly benefit | Additional 20% up to $15,000 maximum (Core + Buy-Up) monthly benefit |
| Period of disability before benefits begin | 7 days | 180 days |
| Cost | You pay the cost difference between Buy-Up and core via payroll deduction | You pay the cost difference between Buy-Up and core via payroll deduction |
| Benefit taxation | taxable | taxable |
| Enrollment | May enroll when first eligible; may enroll or cancel during annual open enrollment | May enroll when first eligible; may enroll or cancel during annual open enrollment |
Additional Information
If you receive other income as a result of your disability (for example, from workers’ compensation or Social Security Disability), your Disability benefit will be reduced by the amount you receive from other sources.
Survivor benefit: Should you die while receiving Long-Term Disability benefits, your survivor will be paid an amount equal to 3 months of your LTD benefit in effect (before reductions for other income) at the time of your death.
Social Security assistance: New York Life Insurance Group Benefits Services (New York Life) may provide assistance with applying for Social Security Disability Income (SSDI) Benefits.
Calculate Your Need for Supplemental Coverage
Use the Disability Needs Calculator to determine whether you should elect Buy-Up coverage.
New York Life Group Benefit Solutions (NYL GBS)
Life, AD&D & Disability
Contact Information
General Support: 1-888-842-4462
EOI Processing Center: 1-866-607-2360
Quick Links
Deferred Compensation (DCP Plan)
DCP Plan
401(k) Plan Alternative
The Deferred Compensation Plan, or the DCP Plan, was developed for employees ineligible to participate in the 401(k) Plan due to IRS contribution limits. The plan is administered by Fidelity NetBenefits.
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Eligibility
Team Members who meet the IRS definition of a highly compensated employee (those who earned $160,000* or more in 2025) may elect once a year in December to participate in the OSI Restaurant Partners, LLC HCE Deferred Compensation Plan (the “DCP Plan”) in 2026.
If you meet or are projected to meet the eligibility requirements, you will be notified and offered the opportunity to participate in the election period for 2026, held Dec. 9 through Dec. 23, 2025. Distributions are processed in January each year.
Note: If your actual earnings are determined in December to fall below the highly compensated limit, you will be notified and your DCP Plan elections for next year will be canceled, and you will be able to contribute to the 401(k) Plan instead.
*Distributions earned under the PEP Plan do not count towards the $160,000 threshold.
How the Plan Works
Participating in the DCP Plan provides important tax benefits along with opportunities for investment.
Enrollment
You’ll be notified of your eligibility to participate in the election period.
Deferrals
You can choose the amount of your pay to defer to the plan on a pre-tax basis:
- Base Salary: 5% to 90% of eligible base salary.
- Monthly Bonus: 5% to 100% of eligible bonus.
- Annual Bonus: 5% to 100% of your eligible bonus.
The deferral election(s) you make for a given calendar year are locked in and cannot be changed until the following year.
Vesting
You’re immediately vested (have full ownership) in the amount you defer and in any investment earnings on those amounts.
Investment Options
Choose from several record-keeping investment options to suit your goals, time horizon, and risk tolerance.
Distributions
When you enroll, tell Fidelity how you’d like to receive future distributions, which can be paid upon your choice of:
- Termination/separation from service
- Selected date three or more years in the future
- Death
- Disability
- Unforeseeable emergency
BBI will process the annual distributions in January in-house via payroll. To take advantage of direct deposit, please ensure your contact and direct deposit information are current within BBI Connect. Otherwise, any distribution due will be paid by check mailed to the home address on file in Workday.
Tax Advantages
Deferring part of your income with the DCP Plan offers clear advantages for saving on current taxes.
| Without DCP | With DCP | |
|---|---|---|
| Eligible pay | $150,000 | $150,000 |
| Deferral amount | $0 | $25,000 |
| Tax bill* | $52,500 | $43,750 |
| Tax savings | $0 | $8,750 |
Why Participate?
The DCP Plan allows eligible participants to:
- Defer pre-tax compensation.
- Reduce taxable income.
- Utilize tax-advantaged investment options.
- Schedule penalty-free distributions for short-term goals while employed.
- Plan for retirement and other long-term savings goals in a tax-effective manner.
Fidelity NetBenefits
401(k) Savings, Retirement Planning & Deferred Comp
Contact Information
401(k): 1-800-835-5095
Retirement Planning & Deferred Comp: 1-800-603-4015
Available Monday through Friday from 8:30 a.m. to 8:30 p.m. ET.