Dental Plans
You have access to dental coverage through Delta Dental. You can enroll in dental coverage for yourself and your eligible dependents, even if you are not enrolled in medical coverage through Haworth. The Delta Dental Plan provides you with a range of covered services, and preventive care is covered by your insurance at 100%. Adult orthodontia services have been added. This dental summary is intended to provide you with a quick overview of the Haworth dental plan offerings.
For more information, please go to
Hometown > HRHelp and search for Delta.
| Dental Plans Details | Plan Level | Premium | Basic |
|---|---|---|---|
| Deductibles | |||
| Individual | $25 | $50 | |
| Family | $75 | $100 | |
| Maximum Annual Benefit Per Person (excluding Preventive Services) | $1,500 | $800 | |
| $1,500 | No Orthodontia Coverage | ||
| Class 1 Services (This class includes: Diagnostic & Preventive Treatment, X-rays, Sealants, Emergency Palliative Treatment | 100% | 100% | |
| Class 2 Services (This class includes: Endodontic & Periodontic Services, Extractions, Minor Restorative Services | 80% | 50% | |
| Class 3 Services This class includes: Prosthodontic Services; Major Restorative Services; all Other Surgery | 60% | 50% | |
| Class 4 Services Orthodontia (up to age 19) | 50% | No Orthodontia Coverage |
| Dental Premium (Biweekly) | Premium | Basic | |
|---|---|---|---|
| Member Only | $5.78 | $1.90 | |
| Member +1 | $10.70 | $3.00 | |
| Family | $22.72 | $4.15 |
Vision
The Haworth vision plan helps you pay for routine eye exams, eyeglasses, contact lenses, and related supplies. Our plan is offered by VSP, a nationwide network that provides a convenient and easy-to-use benefit. When you visit a VSP provider, you receive discounted services, and the plan pays a percentage of the costs. You can enroll for vision coverage without participating in medical coverage through Haworth. This vision summary is intended to provide you with
a quick overview of the Haworth vision plan offering.
For more information, please go to Hometown > HRHelp and search for VSP.
| Bi-Weekly Per-Pay-Period Vision Premium | |
|---|---|
| Member Only | $4.21 |
| Member +1 | $6.10 |
| Family | $10.94 |
| Benefit | Plan Features | Copay | Frequency |
|---|---|---|---|
| WellVision Exam | Focuses on your eyes and overall vision wellness | $20 | Every calendar year |
| Prescription Glasses | $20 | See Frames and Lenses | |
| Frames | $225 allowance for preferred frames | Included in prescription glasses | Every calendar year |
| $175 allowance for retail frames | Included in prescription glasses | Every calendar year | |
| 20% off amount over allowance | Included in prescription glasses | Every calendar year | |
| Lenses | Single vision, lined bifocal, and lined trifocal lenses | Included in prescription glasses | Every calendar year |
| Polycarbonate lenses for dependent children | Included in prescription glasses | Every calendar year | |
| Contacts (instead of glasses) | $120 allowance for contacts | Up to $60 | Every calendar year |
| Contact lens exam (fitting & evaluation) | Up to $60 | Every calendar year | |
| Diabetic Eyecare Plus Program | Services related to diabetic eye disease, glaucoma, and age-related macular degeneration (AMD) | $20 | As needed |
| Retinal screening for eligible Members with diabetes | $20 | As needed | |
| Limitation and coordination with medical coverage may apply | $20 | As needed |
Voluntary Life Insurance,
LTD and AD&D Coverage
Haworth provides Life Insurance and Accidental Death and Dismemberment (AD&D) coverage for full-time Members at NO additional cost, equal to 1x their annual salary. All eligible full-time Members may choose to purchase additional amounts from the following options.
For more information about Voluntary Life Insurance and AD&D please visit
Hometown > HRHelp and search for Life Insurance.
| Voluntary Life Insurance and AD&D Coverage Plan Highlights | |
|---|---|
| Additional Member Coverage | You can purchase up to 4x your annual base pay. No evidence of insurability (EOI) required for 1x increase. If higher levels elected an EOI will be required. |
| Voluntary Spouse Coverage | You can purchase up to $100,000 in coverage. Member must have elected voluntary coverage before spouse can be covered. Can’t exceed Member Basic Plus Member Voluntary. NO EOI required for up to $50,000 if elected at hire. |
| Dependent Child(ren) Coverage | You can purchase up to $20,000 in coverage. No EOI is required. Member must have elected voluntary coverage before child(ren) can be covered. |
| Voluntary AD&D Coverage | You can purchase coverage for yourself and your family up to 5x your annual base pay. No EOI required. |
| 2025 Voluntary LTD Rates | Cost Per $100 of Coverage |
|---|---|
| Member Only LTD Coverage | $0.173 |
| Additional AD&D Coverage | Cost Per $1,000 of Coverage |
|---|---|
| Member only AD&D Coverage | $0.03 |
| Family AD&D Coverage | $0.05 |
2025 Monthly Rates
| Additional Life Coverage | Age | Cost Per $1,000 of Coverage |
|---|---|---|
| Member Life | Under 30 | $0.041 |
| 30-34 | $0.050 | |
| 35-39 | $0.059 | |
| 40-44 | $0.084 | |
| 45-49 | $0.133 | |
| 50-54 | $0.204 | |
| 55-59 | $0.382 | |
| 60-64 | $0.586 | |
| 65-69 | $1.128 | |
| 70+ | $1.829 | |
| Spouse Life | - | $0.140 |
| Child Life | - | $0.156 |
Note: Spousal insurance may not be elected unless the Member life is elected. Spousal insurance may not exceed Member's total Life Insurance amount.
Accident, Critical Illness and Hospital Indemnity Coverage
Accident Coverage
Lincoln Financial Group Accident Insurance pays you a sum of money in the event you experience a covered off-the-job injury. There is an expansive list of eligible injuries and treatments available.
Critical Illness Coverage
Lincoln Financial Group Critical Illness Insurance pays you a sum of money in the event you are diagnosed with a covered illness. The payout can be used however you see fit and is received for each eligible condition you are diagnosed.
Hospital Indemnity Coverage
Lincoln Financial Group pays you a sum of money in the event you or a covered dependent are admitted into the hospital overnight.
For detailed information, please visit Hometown > HRHelp and search for Accident Coverage, Critical Illness Coverage, or Hospital Indemnity Coverage.
Lincoln Financial Group Voluntary Accident Coverage
| Coverage | Per-Pay-Period Deduction |
|---|---|
| Member Only | $4.66 |
| Member + Spouse | $7.58 |
| Member + Child(ren) | $8.10 |
| Family | $11.00 |
| Coverage Level | Member Only | Member + Spouse | Member + Child(ren) | Family |
|---|---|---|---|---|
| Bi-Weekly | $7.82 | $16.96 | $12.16 | $22.22 |
Lincoln Financial Group Voluntary Critical Illness Coverage (2025 Monthly Rates per $10,000 of Coverage)
Hospital Indemnity
| Age | Employee | Spouse |
|---|---|---|
| Under 25 | $1.80 | $0.90 |
| 25-29 | $2.70 | $1.35 |
| 30-34 | $4.00 | $2.00 |
| 35-39 | $5.80 | $2.90 |
| 40-44 | $8.50 | $4.25 |
| 45-49 | $11.70 | $5.85 |
| 50-54 | $18.70 | $9.35 |
| 55-59 | $25.00 | $12.50 |
| 60-64 | $34.90 | $17.45 |
| 65-69 | $47.80 | $23.90 |
| 70-74 | $48.60 | $24.30 |
| 75-79 | $48.60 | $24.30 |
| 80-84 | $48.60 | $24.30 |
| 85+ | $48.60 | $24.30 |