Your benefits, the perks most people forget they have, and exactly what to do if you ever need to go out on leave. No insurance jargon, no hunting through a PDF.
Most of what is on this page is for full-time team members, meaning you work 30 or more hours a week, and it starts when you enroll in Paycom. A few things are open to everyone, including the discount hub. See who gets what.
Benefits are the part you can put a number on. These are the parts people mention when they talk about why they stayed.
The 401(k) runs on its own rules rather than the 30 hour line. You can generally start 60 days after your hire date. If you work under 30 hours, confirm your eligibility with HR.
Team members working 30 or more hours a week get short-term disability and life and AD&D insurance paid in full by Riccobene. Nothing comes out of your check for either.
If illness or injury keeps you out of work, short-term disability replaces 60% of your weekly pay for up to 11 weeks, and it reaches you tax free. Long-term disability continues after 90 days, company paid for some roles.
Five counseling sessions per issue, for you and your immediate family, at no cost. Counselors answer 24 hours a day, every day.
It is not only counseling. The EAP also gives you legal consultations, financial guidance, and referrals for daycare and elder care. Confidential, and nobody here sees who calls.
BenefitHub is a members-only marketplace: phone plans, hotels, rental cars, theme park and concert tickets, electronics, restaurants, gyms and local deals.
Register at Riccobene.benefithub.com with code NB3IYN. Most people never do, which is a shame, because the travel and ticket discounts alone tend to cover a vacation.
$2,500 a year of care for you and your immediate family, and after a year of service your parents, grandparents, siblings and in-laws get 20% off. Almost nowhere else does this.
Most employers give six or seven. We close for the day after Thanksgiving, Christmas Eve, and in 2026 the day after New Year's, so the holidays are actually long enough to travel.
Front desk to office manager, assistant to lead, an office role into the support center. Growing at this pace means positions open up regularly, and we look inside first.
It also means you do not have to quit when life moves you. A partner's job, a move closer to family, a different commute: there is often a Riccobene or Commonwealth office near where you are going, and a transfer keeps your tenure, your PTO accrual and your benefits intact. Tell your Office Manager or HR Generalist as early as you can and they will look at what is open.
A set of core values and behaviors for how we show up every day: do the right things, deliver quality and value, and treat patients and each other like family.
Be honest. Be ethical. Keep your word. Accept responsibility.
Focus on group success. Communicate well. Meet your commitments. Lift up your team.
Be empathetic. Be patient. Be kind. Provide outstanding care.
Be flexible. Have a growth mindset. Embrace change. Welcome feedback.
Use your talents. Think critically. Pay attention to details. Have a yes I can attitude.
Do great work. Focus on patient care. Treat teammates with respect.
This is the benefit people leave other companies for, and the one our own team most often forgets to use. Eligible after 90 days, part time and full time.
Lab fees sit outside the benefit, so crowns, dentures and night guards carry a lab charge you cover.
Treatment above the annual maximum needs Regional Manager approval. Without it, the balance is yours.
Leave the company within a year of treatment and you are responsible for the full cost of that treatment. Ortho works the same way.
Three Blue Cross Blue Shield of NC plans on the Blue Options network. Same doctors, different ways to pay: more from your paycheck, or more at the doctor.
The Blue Cross card in your wallet is real, but Blue Cross is not paying your claims. Riccobene is self-funded, which means the company pays every claim out of its own money. Blue Cross processes them and gives us their network pricing. That is the whole arrangement.
What that changes for you: when you have a bad year, there is no carrier deciding whether to absorb it. The company absorbs it.
This is why the value of the plan is not what you spend in an average year. It is what happens in the year you never planned for.
$62.50semi-monthly, employee only
Lowest payroll deduction, highest deductible. Flat copays, $45 primary care and $80 specialist. Best if you rarely go.
$86.00semi-monthly, employee only
Pairs with a health savings account you own forever. Pay negotiated rates, then the plan covers 80%. Best if you want to save tax free.
$208.00semi-monthly, employee only
Lowest deductible and lowest out of pocket max. $25 primary care, $50 specialist. Best if you use care regularly.
| What it costs you | Core PPO | HSA / HDHP | Buy-Up PPO |
|---|---|---|---|
| Your deduction each pay period | $62.50 | $86.00 | $208.00 |
| Deductible, individual / family | $7,150 / $14,300 embedded | $3,500 / $6,000 non-embedded | $2,500 / $5,000 embedded |
| Out of pocket max, individual / family | $7,900 / $15,800 | $6,000 / $12,000 | $4,500 / $9,000 |
| Plan pays after deductible | 60% | 80% | 70% |
| Preventive care | 100%, no deductible | 100%, no deductible | 100%, no deductible |
| Primary care visit | $45 copay | Deductible then 20% | $25 copay |
| Specialist visit | $80 copay | Deductible then 20% | $50 copay |
| Urgent care / ER | $100 / $500 copay | Deductible then 20% | $50 / $500 copay |
| Virtual visits | 100% covered | 100% covered | 100% covered |
If your spouse can get coverage through their own employer and you cover them here, a $100 spousal surcharge applies each pay period.
This is the most underused benefit we offer. If you are enrolled in a Riccobene medical plan, you and everyone covered on it get Teladoc, 24 hours a day, from your phone. No waiting room, no time off work, no driving to an urgent care at 8pm.
On the Core and Buy-Up PPO plans, almost all of it costs you nothing. Not a discount. Zero.
You pick your own Teladoc primary care doctor and get a care team of nurses and medical assistants behind them, so it is ongoing care rather than a stranger each time. Sign up for primary care and they mail you a blood pressure monitor at no cost, and it is yours to keep.
| Visit | Core & Buy-Up | HSA plan |
|---|---|---|
| Primary care, new patient | $0 | $165 |
| Primary care, returning | $0 | $99 |
| Sick visit | $0 | $55 |
| Therapy | $0 | $92 |
| Psychiatry, first visit | $0 | $212 |
| Psychiatry, ongoing | $0 | $102 |
| Dermatology | $0 | $85 |
| Nutrition | $0 | $59 |
On the HSA plan you pay these rates until your deductible is met, then visits are covered at 100%. HSA dollars can pay for them.
Maintenance medications ship to your door through Amazon Pharmacy, our mail order partner. Call 855-963-4546 to set it up.
Specialty medications run through FlexAccess, which hunts for the lowest copay available. Call the number on the back of your medical ID card.
Save $4,400 as an individual or $8,750 for a family, pre-tax, with another $1,000 if you are 55 or older. The account is yours, it follows you if you leave, and the balance never expires.
Healthcare FSA up to $3,400 for medical, dental and vision. Dependent care FSA up to $7,500 for daycare, after school care or elder care. Use it or lose it, and elections do not roll over, so you have to choose again each open enrollment.
Riccobene matches 25 cents on every dollar you save, up to the first 4% of your pay, through Empower Retirement. Put in 4% and the company adds 1%. Put in nothing and the match goes back in the company's pocket.
| You contribute | Company adds | Total going in |
|---|---|---|
| 1% | 0.25% | 1.25% |
| 2% | 0.50% | 2.50% |
| 3% | 0.75% | 3.75% |
| 4% | 1.00% | 5.00% |
| More than 4% | 1.00% | Your amount plus 1% |
| Years of service | Yours |
|---|---|
| Less than 2 | 0% |
| 2 | 20% |
| 3 | 40% |
| 4 | 60% |
| 5 | 80% |
| 6 | 100% |
Your own contributions are 100% yours from day one. The vesting schedule applies only to company money. You are also fully vested at age 65, or if you become disabled.
Your 401(k) money comes out of your pay before income tax is calculated, so your take-home drops by less than the amount you save. Then the company adds its match on top. Move the slider and watch the gap open up.
For every dollar that leaves your take-home pay, $1.47 lands in your 401(k). That is 47% more than what you gave up to put it there.
When the match starts: 60 days after your hire date, the same point at which you can begin contributing. It goes into your account from then on. It becomes yours to keep on a schedule, which is explained below.
We assume 15% by default, which is on the low side for most people. A higher rate makes your take-home drop even less.
An illustration, not a promise. It assumes a 6% average annual return, that your pay and contribution percentage stay the same, and that you make no withdrawals. Investments rise and fall, and Riccobene does not give investment or tax advice. Pre-tax savings reduce federal and state income tax, not Social Security or Medicare tax, so your actual paycheck change will be slightly different. For advice about your own situation, talk to a tax professional or Empower at 800-338-4015.
For every $1 you put into your 401(k), Riccobene puts in 25 cents. That applies to the first 4% of your pay, and it stops there.
At $20 an hour working 36 hours a week, saving 4% is about $62 out of each paycheck. The company adds about $15.60. Nobody asked you to work extra hours for that $15.60. It shows up because you saved.
Over a year that is roughly $1,500 from you and $375 from the company, sitting in an account with your name on it.
No. You can start contributing 60 days after your hire date, and the company match starts at the same moment. There is no one year or two year wait to get matched.
The thing that takes time is vesting, which is a different question and is covered next.
No. Every dollar you put in is yours from your very first contribution, along with everything it earned. That never vests, never expires, and never goes back to the company. When you leave you roll it into your next employer's plan or into your own IRA, and it keeps growing.
Vesting applies only to the company's matching dollars. Those go into your account as you earn them, and this is how much of them you keep if you leave:
You also become 100% vested immediately, no matter how long you have been here, if you reach age 65, become totally and permanently disabled, or die. In that last case it goes to your beneficiary, which is why it matters that HR has one on file.
So the worst case is not losing money. The worst case is keeping everything you saved and leaving part of the bonus behind.
Two of the three benefits do not depend on staying at all. The tax break happens on every paycheck, immediately. The money you save, and its growth, are yours no matter when you leave. Only the match has a waiting period.
Put plainly: if you save for 18 months and then move on, you walk out with every dollar you put in, having paid less income tax the whole time, in an account you take with you. That beats not having saved.
Start at 1%. At $20 an hour that is around $15.60 a paycheck, and your take-home only drops by about $13 of it. You still get a match on every dollar.
Then raise it whenever your pay changes. Bumping it 1% each time you get an increase is the easiest way to get to 4% without ever feeling it.
Any time, as often as you like, with no penalty and no form through HR. Log into empowermyretirement.com or call 800-338-4015 and change the percentage yourself.
Change your contribution any time at empowermyretirement.com or call 800-338-4015.
If you work 30 or more hours a week, you get these automatically. There is nothing to elect and nothing taken from your paycheck.
Group life and accidental death cover through MetLife, paid in full by the company. Doctor and manager amounts differ by class. Make sure HR has your named beneficiary on file, because that is the one thing only you can do.
60% of your weekly income up to $1,000 a week, starting on day 15 of an illness or injury and running up to 11 weeks. Premiums are grossed up so the benefit reaches you tax free.
If you are still out after 90 days, this picks up on day 91 at 60% of monthly income. For some roles the company pays the full cost. For everyone else it is available to buy through payroll at group rates.
Elect it when you are first eligible and there are no health questions. Wait, and you will have to prove good health to get in later. Paycom shows which applies to you.
$6.76semi-monthly, employee
Cash paid straight to you for ambulance rides, ER visits, surgery and rehab, on or off the job. Includes a $100 wellness benefit just for getting a covered screening.
from $2.60semi-monthly, by age
A lump sum on diagnosis of cancer, heart attack, kidney failure and more, in $10,000 or $20,000 amounts, with a $50 wellness benefit. Multiple conditions can each pay out.
$10.01semi-monthly, employee
Cash for a hospital admission, paid to you, spendable on anything: the mortgage, childcare, gas to get back and forth.
Voluntary life is available in $10,000 steps up to $150,000 or 5x salary, with $150,000 guaranteed issue when you are first eligible. Spouse coverage goes to $30,000 and children to $10,000. Elect when first eligible and you skip the health questions.
Every one of these is already yours. Most take under five minutes to set up.
BenefitHub is a private marketplace that Riccobene pays for so you can use it. It is the same kind of corporate discount portal large employers buy for tens of thousands of people, and it costs you nothing. Every Riccobene team member can use it. You do not have to be enrolled in any benefit plan, and it does not matter whether you are full time or part time.
Brands rotate, but the sorts of names you will find include Costco, Hertz, Avis, Budget, Dell, HP, Lenovo, Garmin, Great Wolf Lodge, LEGOLAND, Universal, Home Chef, Groupon, Office Depot and TrueCar.
Check hotels and rental cars here first. On a week away, the difference is usually worth more than a day of PTO.
Cell phone plans and gym memberships are the two most overlooked. These are monthly savings, not one-time ones.
Theme park and event tickets, Great Wolf Lodge, movie tickets. Buy through the portal rather than at the gate.
Trouble getting in? BenefitHub support is at 866-664-4621, or ask your HR Generalist.
Up to five in-person counseling sessions per issue, for you and your immediate family, at no cost. Stress and anxiety, grief, marriage and family, substance use, financial pressure, legal questions, and help finding daycare or elder care.
Counselors are available 24 hours a day, every day of the year. Call 888-319-7819, use the mobile app, or go to one.telushealth.com. Username metlifeeap, password eap.
Nobody at Riccobene sees who calls.
MetLife pet coverage for accidents, illness and treatment, billed directly to you rather than through payroll, so you can start or stop it any time. Quote at metlife.com/getpetquote or call 866-937-7387.
$9.75semi-monthly, covers your spouse and children too
Real attorneys for wills and powers of attorney, buying or refinancing a home, traffic tickets, adoption, guardianship, name changes, immigration help, small claims and debt defense. One will usually costs more than a year of this.
$5.47semi-monthly, employee
MetLife with Aura: dark web monitoring for your SSN and passport, credit alerts, bank and investment account monitoring, automatic data broker removal, password manager, VPN and antivirus.
On a BCBS medical plan, Blue365 adds fitness, gym, eyewear, hearing and healthy meal discounts through your MyHealthToolkit account. Blue Connect shows your deductible and claims in real time and holds your digital ID card, so you never have to call for one.
| Continuous service | 5-day schedule | 4-day schedule |
|---|---|---|
| 0 to 3 months | 0 | 0 |
| 3 months to 3 years | 10 | 10 |
| 3 to 5 years | 15 | 13 |
| 5 years and up | 20 | 16 |
| Holiday | Observed |
|---|---|
| New Year's Day | Thu, Jan 1 |
| Day after New Year's Day | Fri, Jan 2 |
| Good Friday | Fri, Apr 3 |
| Memorial Day | Mon, May 25 |
| Labor Day | Mon, Sep 7 |
| Thanksgiving | Thu, Nov 26 |
| Day after Thanksgiving | Fri, Nov 27 |
| Christmas Eve | Thu, Dec 24 |
| Christmas Day | Fri, Dec 25 |
A baby, a surgery, a parent who needs you, an illness that will not wait. This is the whole path, in order. Start at step one even if you are not sure yet whether you will be out.
Notify your Office Manager or direct manager, your HR Generalist (find yours below), and Nicole Johnson, who handles leave and benefits administration. One message to all three is fine.
For anything you can plan, give 30 days notice. For an emergency, reach out as soon as you reasonably can. Early notice is what gets your claim paid on time and your schedule covered without drama.
Tell us three things: the date you expect to stop working, roughly how long you expect to be out, and whether this is for you or for a family member.
You do not have to figure this out. HR will tell you which of these fit your situation, and several can run at the same time:
File as soon as your provider takes you out of work. Do not wait for paperwork to arrive, and do not wait until your leave starts. Call MetLife at 800-GET-MET8 (800-438-6388) or file online at metlife.com/mybenefits.
Have this ready: your last day worked, your expected return date, and your treating provider's name, phone and fax. MetLife sends a statement to your provider to complete, and your claim cannot be approved until that comes back, so it is worth calling your doctor's office to nudge it.
What short-term disability pays: 60% of your weekly income, up to $1,000 a week, for up to 11 weeks. Payments begin on the 15th day of your illness or injury. Because the company grosses up the premium, the benefit reaches you tax free.
Still out past 90 days? Long-term disability takes over on day 91 at 60% of monthly income. Depending on your role, the company either pays for that coverage or you can buy it through payroll. If you bought it, a pre-existing condition treated in the three months before your coverage started is excluded for the first 12 months.
Short-term disability does not start until day 15, so the first two weeks are unpaid unless you cover them. Use available PTO. Since PTO does not roll over or pay out, this is one of the few times it is worth having a reserve.
Talk to your manager about how you want PTO applied before your leave begins so payroll is not guessing.
This is the part people get surprised by, so read it twice. Your benefits stay active while you are out, but your share of the premium does not stop. When your paycheck drops or stops, there is nothing for those deductions to come out of, and the unpaid amount builds up behind the scenes.
Before your first missed deduction, HR sends you a written statement showing what you owe each pay period and the two ways to handle it:
Choose one before you go out. If premiums go unpaid and no arrangement is in place, your coverage can lapse, and reinstating it mid-year is not always possible.
Also worth knowing: 401(k) contributions and the match stop while there is no pay to deduct from, and they restart automatically when you do. If you leave the company during a leave, unpaid premiums are still owed.
Send updated provider notes to your HR Generalist and Nicole Johnson whenever your return date changes, even by a few days. An extension has to be approved before it happens, not after.
You do not need to check in about work. Nobody expects you to answer email or cover shifts from home.
Send your provider's release to HR before your first shift back, not on the day. If the release includes restrictions, HR will walk through what we can accommodate before you return to the chair.
Your final short-term disability payment and any catch-up deductions will show up on the next pay cycle. If something on that check looks wrong, email payroll@brushandfloss.com or call Nicole Johnson rather than waiting to see if it corrects itself.
Ticks are saved on this device only.
Your EAP runs the whole time you are out, including grief, family and financial counseling, five sessions per issue at no cost.
Telemedicine stays active, which means $0 therapy visits on the Core and Buy-Up plans without leaving the house.
If you elected accident, critical illness or hospital indemnity, file those claims too. They pay cash directly to you on top of disability, and they are the most commonly forgotten benefit at Riccobene. A hospital admission or a covered diagnosis can be worth thousands.
Every region has a named person. Start with your HR Generalist for anything about your job, your leave, a workplace concern or a question you are not sure where to send.
Leave and benefits administration: Nicole Johnson. General HR questions: hr@brushandfloss.com. Pay and paycheck questions: payroll@brushandfloss.com.
| What you need | Who | Phone | Online |
|---|---|---|---|
| Medical and pharmacy | BCBS of NC, Blue Options | 877-258-3334 | BlueConnectNC.com |
| Virtual care and therapy | Teladoc Health | 800-835-2362 | teladoc.com |
| Vision | MetLife, Superior network | 833-393-5433 | metlife.com/mybenefits |
| Disability, life, accident, critical illness, hospital, pet | MetLife | 800-GET-MET8 | metlife.com |
| HSA and FSA | HealthEquity | 866-855-4067 | healthequity.com |
| 401(k) | Empower Retirement | 800-338-4015 | empowermyretirement.com |
| Legal plan | MetLife Legal | 800-821-6400 | members.legalplans.com |
| Identity and fraud | MetLife with Aura | 844-931-2872 | aura.com |
| Counseling and EAP | TELUS Health (formerly LifeWorks) | 888-319-7819 | one.telushealth.com, username metlifeeap, password eap |
| Discount marketplace | BenefitHub | 866-664-4621 | Riccobene.benefithub.com, code NB3IYN |
| Claims help and ID cards | MMA Employee Benefits Services | 855-313-1075 | EBServices@marshmma.com |
| Leave, benefits enrollment, HR | Your HR Generalist and Nicole Johnson | 919-439-3331 | hr@brushandfloss.com |
Riccobene Associates is one of the fastest growing multi-specialty dental practices in North Carolina and across-state lines. Our team is high energy, tech-savvy, compassionate, and down to earth. You will enjoy an extraordinary, unique and fun company culture, which values patient care, and an indispensable support team that allows you to be successful!
A Message from Dr. Michael Riccobene, CEO & Founder
