Take Action
Electing your benefits is crucial for your and your family's health. Take a moment to review this page to find out what you need to know about your 2024 benefits.
Learn more about your benefits and what’s new for 2024 by watching the Open Enrollment video and the recorded 2024 Enrollment Presentation.
If you missed the enrollment deadline: You will not have another chance to enroll in or change your benefits until next Open Enrollment unless you have a Qualifying Life Event.
Your enrollment checklist
Use this checklist to make the most of your benefits elections:
- Browse this site to learn about your benefit options, paying special attention to what’s changing for next year and your 2024 employee premiums.
- Update your Health Savings Account (HSA) and Flexible Spending Accounts (FSA) elections on the bswift website — they don’t automatically carry over to the next year.
- Make sure your dependent information is correct on the bswift website and verify all your dependents are still eligible. Please note that all enrolled dependents require proof of verification within 31 days of your election. This requirement for verification documentation of dependent status does not apply to eligible dependents who were already included for coverage in the WSP USA plans during the prior year.
- Review your 401(k) beneficiary information with T. Rowe Price and life insurance beneficiary information on the bswift website. Make updates as needed.
2024 Changes
WSP USA regularly examines our benefits program and considers changes that could better support you and your family across the entire spectrum of well-being. Here’s what’s different in 2024:
Our benefits program remains comprehensive, diverse and affordable in 2024:
- Minimal to no increases in premiums:
- WSP USA continues to bear most of the increasing cost of healthcare, ensuring the majority of our employees see minimal to no increases to contributions in 2024.
- There was a slight increase in employee contributions for the Aetna Choice POS II and Open Access Aetna Select (closed to new enrollees) Plans. Yet rates for other benefits, such as dental, vision, buy-up short-term disability and critical illness insurance, did not change.
- View the 2024 rates for all plans here.
- Save more! You may contribute more to a Health Savings Account (HSA) in 2024, increasing your potential tax savings. WSP continues to contribute dollars to your HSA. Learn more about the differences between an HSA and an FSA here.
- IRS limits (inclusive of WSP’s contributions) in 2024 are:
- $4,150 for individual coverage
- $8,300 for family coverage
- Age 55+ may contribute an additional $1,000 in catch-up contributions.
- WSP’s HSA contributions:
- Basic HDHP plan is $250 (single) / $500 (family),
- Enhanced HDHP plan is $500 (single) / $1,000 (family).
- IRS limits (inclusive of WSP’s contributions) in 2024 are:
- Changes to Aetna POS II Enhanced HDHP
- To remain compliant with IRS regulations, the plan’s in-network deductible has increased in 2024. Please review the Medical Plan details in Benefit Options to view your 2024 medical plan details.
- To remain compliant with IRS regulations, the plan’s in-network deductible has increased in 2024. Please review the Medical Plan details in Benefit Options to view your 2024 medical plan details.
- Flexible Spending Account (FSA) Annual Limit
- Health Care FSA and Limited Purpose FSA limits are $3,200 in 2024, with a carryover limit of $640.
- Dependent Care FSA limit is $5,000.
- NEW! Adoption Assistance Reimbursement Program
- WSP USA routinely evaluates the benefits we offer our employees. In an effort to offer more inclusive benefits, we are offering the adoption reimbursement program, which offers up to $10,000 per adoption, starting this year. More information will be coming soon.
- WSP USA routinely evaluates the benefits we offer our employees. In an effort to offer more inclusive benefits, we are offering the adoption reimbursement program, which offers up to $10,000 per adoption, starting this year. More information will be coming soon.
- COMING SOON! WSP Share Purchase Plan
- The WSP Share Purchase Plan allows employees to buy shares of WSP and receive a matching contribution from the company. By participating in this plan, employees have the opportunity to share in the growth and success of WSP as a shareholder. Stay tuned for updates.
- The WSP Share Purchase Plan allows employees to buy shares of WSP and receive a matching contribution from the company. By participating in this plan, employees have the opportunity to share in the growth and success of WSP as a shareholder. Stay tuned for updates.
Decision Support
WSP USA wants to make sure you have all of the information you need to choose the right benefit plans for you and your family.
- Benefits Presentation: This video presentation will tell you all you need to know about your WSP USA benefits.
- Employee Premiums: Please refer to the 2024 rate tables below.
- Optavise: Advocates are available to answer questions and help you make the most of your benefits. Call 866-253-2273 Monday to Friday from 8 AM to 9 PM ET or email: wspassistance@optavise.com.
- Ask Emma: Ask Emma is bswift’s interactive decision support tool that will appear during your enrollment! Emma will guide you through the benefits enrollment process by asking you a few simple questions. Based on your responses, she’ll suggest plans that fit your individual needs, taking the guesswork out of your benefits shopping experience. Visit bswift.
Benefit Options & Premiums
WSP USA continues to offer comprehensive benefits in 2024 with minimal changes. Many of our benefits have remained unchanged other than some minor changes to the in-network deductible for the Aetna POS II Enhanced HDHP. Most premium contributions shown below have also remained the same in 2024 except for a slight increase in employee contributions for the Aetna Choice POS II and Open Access Aetna Select (closed to new enrollees) Plans.
Benefit Options
Read more about your 2024 benefits below.
my Health
Medical benefits from WSP USA help you maintain your well-being through preventive care and access to an extensive network of high quality, lower-cost providers, as well as affordable prescription medication.
Medical Comparison
Use this interactive side-by-side plan comparison to compare your 2024 Mainland medical plan options. You may view your 2023 options here. There are no changes to the Hawaii medical plans.
| Aetna Choice POS II Basic HDHP | Aetna Choice POS II Enhanced HDHP | Aetna Choice POS II | Open Access Aetna Select (Closed to New Enrollees) | |
|---|---|---|---|---|
| Calendar Year Deductible (individual/family) | ||||
| In-Network | $3,000 / $6,000 | $1,600 / $3,200 | $1,000 / $2,000 | $750 / $1,500 |
| Out-of-Network1 | $7,500 / $15,000 | $3,750 / $7,500 | $2,500 / $5,000 | N/A |
| WSP-Funded HSA Contribution (individual/family) | ||||
| In-Network | $250/$500 | $500 / $1,000 | N/A | N/A |
| Coinsurance (Your Share of Costs) | ||||
| In-Network | 20%2 | 20%2 | 20%2 | 10%2 |
| Out-of-Network1 | 40%2 | 40%2 | 40%2 | N/A |
| Calendar Year Out-of-Pocket Maximum (individual/family) | ||||
| In-Network | $5,000 / $10,0003 | $4,000 / $8,000 | $4,000 / $8,000 | $4,000 / $8,000 |
| Out-of-Network1 | $12,500 / $25,000 | $10,000 / $20,000 | $10,000 / $20,000 | N/A |
| Your Cost for Medical Care (what you pay) | ||||
| Preventive Care | In-Network - No charge Out-of-Network - 40%2 |
In-Network - No charge Out-of-Network - 40%2 |
In-Network - No charge Out-of-Network - 40%2 |
In-Network Only - No charge |
| Physician’s Office Visits (primary/specialist4) |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network Only - $25 copay/ $40 copay |
| Hospital Inpatient5 (physician and hospital charges) |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network Only - 10%2 |
| Hospital Outpatient (physician and hospital charges) |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network Only - 10%2 |
| Virtual Visits (Teladoc) | In-Network - 20%2 Out-of-Network - Not Covered |
In-Network - 20%2 Out-of-Network - Not Covered |
In-Network - $25 copay Out-of-Network - Not Covered |
In-Network Only - $25 copay |
| Minute Clinic | In-Network - 20%2 Out-of-Network - Not Covered |
In-Network - 20%2 Out-of-Network - Not Covered |
In-Network - $25 copay Out-of-Network - $25 copay |
In-Network Only - $25 copay |
| Urgent Care | In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network Only - $40 copay |
| Emergency Room (no coverage for non-emergency care) |
In-Network - 20%2 Out-of-Network - 20%2 |
In-Network - 20%2 Out-of-Network - 20%2 |
In-Network - 20%2 Out-of-Network - 20%2 |
In-Network Only - $75 copay |
| Diagnostic X-Rays and Labs |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network Only - $25 or $40 copay at physician’s office; 10%2 at independent lab or hospital |
| Mental Health/ Substance Abuse |
In-Network - 20%2- outpatient 20%2,4- inpatient Out-of-Network - 40%2- outpatient 40%2,4- inpatient |
In-Network - 20%2- outpatient 20%2,4- inpatient Out-of-Network - 40%2- outpatient 40%2,4- inpatient |
In-Network - 20%2- outpatient 20%2,4- inpatient Out-of-Network - 40%2- outpatient 40%2,4- inpatient |
In-Network Only - $25 copay - outpatient 10%2,4- inpatient |
| Extended Care/Skilled Nursing Facility5 (90 days per year) |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network Only - 10%2 |
| Home Health Care5 (120 visits per year) |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network Only - 10%2 |
| Hospice5 | In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network Only - 10%2 |
| Rehab Services6 (50 visits per year) |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network Only - 10%2 |
| Chiropractic (30 visits per year) |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network - 20%2 Out-of-Network - 40%2 |
In-Network Only - $40 copay |
1 All out-of-network services are subject to reasonable and customary limits.
2 After deductible.
3 Individual in network out-of-pocket amount will be capped at the ACA maximum ($9,450 in 2024).
4 A specialist is any provider other than an internist, family doctor, pediatrician, or OB-GYN.
5 Precertification required. Participating (or in-network) providers are generally responsible for obtaining precertification from Aetna before they provide certain services to you. When you choose to receive certain covered services from nonparticipating (or out-of-network) providers, you are responsible for notifying Aetna before you receive these covered services. See noncompliance penalties below.
6 Rehab Services include physical, speech or occupational, cardiac and pulmonary therapy.
NONCOMPLIANCE PENALTIES: Benefit reduces to 50% of eligible expenses for certain out-of-network services. These services include inpatient hospitalization, mental/nervous/alcohol/drug confinement, extended care/skilled nursing facility, home health care and hospice.
my Wellness
WSP USA wants you and your family to live well in all aspects of life, at home and at work. We have programs to support our pillars of well-being: emotional, financial, physical and community and social. Learn more about these benefits including the Carebridge Employee Assistance Program, ClassPass fitness discounts, financial advisory services and more on the Wellness page.
my Wallet
Financial security is an important part of your total well-being. WSP USA is committed to helping you live well in the future by offering easy ways to save on taxes and to build savings for retirement.
my Security
Accidents and illness can happen to anyone, and it can impact your most valuable asset — your income. That’s why WSP USA offers several plans to help protect your income.
- Life and Accidental Death & Dismemberment Insurance
- Disability Insurance
- Additional Protection Options including:
- Auto and Home Insurance
- Legal Services
- Identity Theft Protection
Statement of Health or Evidence of Insurability
If you enroll in supplemental life insurance within 31 days of employment, no Statement of Health form is necessary if the coverage amount is within the guaranteed issue amount. You can still enroll after the eligibility period, but will need to complete a Statement of Health. Late enrollees and current participants can also take advantage of simplified enrollment requirements for up to $250,000 of coverage. Please note that the $250,000 includes the coverage amount you currently have in-force. A physical exam, regardless of the coverage amount you select, may be required.
If you wish to enroll in Buy-Up STD, Basic LTD or Enhanced LTD, or increase your Basic LTD benefit to Enhanced LTD, you will be required to go through Evidence of Insurability (EOI), which is medical underwriting approval. EOI requirements will be waived if you are newly eligible for the benefit
my Life
WSP USA offers additional benefits to help make life easier and more enjoyable with time off and cost-saving resources.
Premiums
Due to the significant inflationary pressure of healthcare costs in 2023, there was a slight increase in employee contributions for the Aetna Choice POS II and Open Access Aetna Select (closed to new enrollees). Premium contributions for all other plans have remained the same as they were in 2023. Please review the rates below. Note: weekly rates can be viewed on the bswift website.
MEDICAL/PHARMACY PLAN BIWEEKLY PREMIUMS (PRETAX)
| Aetna Choice POS II Basic HDHP | Aetna Choice POS II Enhanced HDHP | Aetna Choice POS II Plan | Open Access Aetna Select Plan (closed to new enrollees) | |
|---|---|---|---|---|
| Employee Only | $66.24 | $73.35 | $117.06 | $160.53 |
| Employee + Spouse/Domestic Partner* | $146.47 | $162.19 | $258.37 | $354.12 |
| Employee + Children | $123.16 | $136.38 | $217.28 | $297.80 |
| Employee + Family | $207.11 | $229.34 | $364.90 | $499.95 |
HAWAII MEDICAL/PHARMACY PLAN BIWEEKLY PREMIUMS (PRETAX)
| HMSA PPO | Kaiser Permanente HMO | |
|---|---|---|
| Employee Only | $24.66 | $24.66 |
| Employee + Spouse/Domestic Partner* | $383.43 | $164.74 |
| Employee + Children | $319.52 | $148.26 |
| Employee + Family | $556.87 | $247.09 |
DENTAL PLAN BIWEEKLY PREMIUMS (PRETAX)
| Basic Plan | Basic Plan | |
|---|---|---|
| Employee Only | $4.31 | $14.69 |
| Employee + Spouse/Domestic Partner* | $9.47 | $32.32 |
| Employee + Children | $10.34 | $35.23 |
| Employee + Family | $14.64 | $50.00 |
VISION PLAN BIWEEKLY PREMIUMS (PRETAX)
| VSP | |
|---|---|
| Employee Only | $2.81 |
| Employee + Spouse/Domestic Partner* | $5.61 |
| Employee + Children | $5.89 |
| Employee + Family | $8.03 |
* Premiums for domestic partners and their eligible dependents are subject to applicable IRS regulations with after-tax deductions and imputed income.
VOLUNTARY DISABILITY BIWEEKLY PREMIUMS (AFTER-TAX)
Payroll deductions are made biweekly.
| Buy-Up Short-Term Disability | $0.202 per $10 of weekly benefit |
First, calculate your Core STD Benefit
Second, calculate your Buy-Up STD Benefit
Third, calculate your Buy-Up STD Premium
|
| Basic Long-Term Disability | $0.246 per $100 | Base Annual Salary (capped at $180,000) ÷ 100 X $0.246 = Annual Premium Annual Premium ÷ 26 = Biweekly Premium |
| Enhanced Long-Term Disability | $0.388 per $100 | Base Annual Salary (capped at $300,000) ÷ 100 X $0.388 = Annual Premium Annual Premium ÷ 26 = Biweekly Premium |
| Executive Long-Term Disability | $0.764 per $100 | Base Annual Salary (capped at $400,000) ÷ 100 X $0.764 = Annual Premium Annual Premium ÷ 26 = Biweekly Premium |
CRITICAL ILLNESS INSURANCE MONTHLY RATES (AFTER-TAX)
Rates (cost per $1,000 of coverage per month) are based on the employee age as of January 1, 2024. Rates are subject to change and will increase when a covered person enters a new age band.
| Monthly Rate Per $1,000 of Coverage | ||||
|---|---|---|---|---|
| Employee | Employee + Spouse/ Domestic Partner* | Employee + Child(ren) | Employee + Family | |
| <25 | $0.14 | $0.29 | $0.24 | $0.39 |
| 25–29 | $0.16 | $0.32 | $0.26 | $0.42 |
| 30–34 | $0.24 | $0.48 | $0.35 | $0.58 |
| 35–39 | $0.40 | $0.77 | $0.50 | $0.87 |
| 40–44 | $0.69 | $1.31 | $0.80 | $1.42 |
| 45–49 | $1.21 | $2.28 | $1.31 | $2.38 |
| 50–54 | $1.97 | $3.67 | $2.08 | $3.77 |
| 55–59 | $3.11 | $5.68 | $3.22 | $5.79 |
| 60–64 | $4.81 | $8.65 | $4.91 | $8.75 |
| 65–69 | $7.38 | $13.11 | $7.49 | $13.22 |
| 70+ | $10.64 | $19.01 | $10.74 | $19.12 |
ACCIDENT INSURANCE BIWEEKLY PAYROLL DEDUCTIONS (AFTER-TAX)
| Low Plan | High Plan | |
|---|---|---|
| Employee Only | $2.41 | $4.46 |
| Employee + Spouse/Domestic Partner* | $3.97 | $7.40 |
| Employee + Children | $4.97 | $9.07 |
| Employee + Family | $6.23 | $11.38 |
*Premiums for domestic partners and their eligible dependents are subject to applicable IRS regulations with after-tax deductions and imputed income.
SUPPLEMENTAL AND DEPENDENT LIFE INSURANCE MONTHLY RATES (AFTER-TAX)
Employee and spouse rates (cost per $1,000 of coverage per month) are based on the enrollee's age as of December 31, 2023, vary for a smoker and nonsmoker. Payroll deductions are made biweekly. Child life rates are $0.109 per $1,000 of coverage.
| Monthly Rate Per $1,000 of Coverage* | ||
|---|---|---|
| Nonsmoker | Smoker | |
| <35 | $0.034 | $0.047 |
| 35–39 | $0.047 | $0.068 |
| 40–44 | $0.068 | $0.087 |
| 45–49 | $0.141 | $0.160 |
| 50–54 | $0.261 | $0.281 |
| 55–59 | $0.401 | $0.427 |
| 60–64 | $0.615 | $0.735 |
| 65–69 | $1.115 | $1.301 |
| 70–74 | $2.346 | |
| 75–79 | $3.861 | |
| 80 | $6.030 | |
| 81 | $6.599 | |
| 82 | $7.241 | |
| 83 | $7.965 | |
| 84 | $8.754 | |
| 85 | $9.583 | |
| 86 | $10.461 | |
| 87 | $11.364 | |
| 88 | $12.301 | |
| 89 | $13.272 | |
VOLUNTARY AD&D INSURANCE MONTHLY RATES (AFTER-TAX)
Payroll deductions are made biweekly.
| Coverage Type | Cost |
|---|---|
| Principal Sum (Employee Only, Spouse/Domestic Partner Only, or Child(ren) Only) | $0.014/$1,000 coverage/month |
| Family Program | $0.022/$1,000 coverage/month |
LEGAL SERVICES BIWEEKLY RATES
Payroll deductions are made biweekly.| Coverage Type | Biweekly Cost |
|---|---|
| Employee | $7.62 |
IDENTITY THEFT PROTECTION BIWEEKLY RATES
Payroll deductions are made biweekly.| Coverage Type | Biweekly Cost |
|---|---|
| Employee Only | $4.15 |
| Family | $7.38 |
Domestic Partner Costs
Premiums for domestic partners and their eligible dependents are subject to applicable IRS regulations with after-tax deductions and imputed income. For example, after-tax deductions for domestic partners are calculated by subtracting the Employee Only premium amount from the Spouse or Domestic Partner premium amount.
| Employee Only Premium = $117.06 | The domestic partner’s after-tax deduction amount is $141.31. $258.37 - $117.06 = $141.31 biweekly Annualized, as reported on the W2, would be $3,674.06. |
| Employee + Spouse/DP = $258.37 |
Imputed income is calculated by subtracting the monthly Employer cost of the premium for Employee Only coverage from Employee + Spouse or Domestic Partner coverage and multiplying this figure by 12 months to get the yearly imputed income that will be reported on the employee’s W-2.
| Employee Only Premium = $509.53 | The imputed income amount is $7,315.18 annually. $1,119.13 - $509.53 = $609.60 x 12 months = $7,315.18 |
| Employee + Spouse/DP = $1,119.13 |