2025 Benefits Open Enrollment:
October 25 to November 11
Enrollment Materials
Benefits enrollment through MyADP is easy!
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| Voluntary Benefits |
Voluntary Benefits help fill in the financial gaps that may come along with an unexpected illness or injury. In the event of a covered condition, these plans provide a lump-sum cash payout that is tax free and can be used any way you want. All voluntary benefits are administered by Voya Financial. https://presents.voya.com/EBRC/Ruan Note: Voluntary Benefits do not replace your health or disability plans, but are intended to enhance your coverage by offsetting any out-of-pocket expenses your insurance may not cover.
Accident Insurance
Provides a payment based on a schedule of benefits for treatments and health care services that occur due to a non-work related illness or injury. You are also eligible for a $75 wellness benefit just for receiving a qualifying preventive screening. For more information please view the Accident Insurance Flyer or watch the Accident Insurance Video (2:10).
Critical Illness
Pays a lump sum payment based on a diagnosis of a covered illness. There is no pre-existing condition, however the date of diagnosis must be while coverage was in effect. You may choose between a $10,000, $20,000, or $30,000 plan level, plus you may enroll your eligible spouse (100% benefits) and children (50% benefit). You are also eligible for a $75 wellness benefit just for receiving a qualifying preventive screening. For more details please view the Critical Illness Flyer or watch the Critical Illness Video (1:56).
Hospital Indemnity
Pays a cash benefit in the event of a hospital stay for a covered illness, injury, procedure or pregnancy. You receive a flat amount for admission to a hospital or critical care unit along with a per-day benefit for each day you are confined, up to a maximum of 30 days. You may choose between a Low plan or a High plan. For details, please view the Hospital Indemnity Flyer or watch the Hospital Indemnity Video (2:05). |
| Additional Resources |
Express Scripts Pharmacy
Ruan's pharmacy benefits is administered by Express Scripts. Answers to most questions on your pharmacy benefits is available at www.Express-Scripts.com/RuanTransportCorporation.
Working Spouse Exclusion Rule
A working spouse who is eligible for qualified coverage through their employer may not be enrolled in a Ruan medical plan. For a full definition of "working spouse" please view the Working Spouse flyer.
Voya HSA Custodial Agreement (Terms and Conditions)
A Health Savings Account is a bank account owned by the employee. Like any other financial institution, the account owner must agree to the bank's terms and conditions. You will notify Voya of your agreement during your initial online account registration with Voya. If you do not complete this process and agree to their terms and conditions, Voya will not open the HSA account. View Voya's Custodial Agreement.
Additional Perks
Ruan Benefits offers a variety of additional perks such as an Employee Assistance Program (EAP), Discount Marketplace, Wellness Reimbursement, LifeKeys, Travel Assistance, Tuition Reimbursement, and more. Check out the "Additional Perks" page on the Hub for details.
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Ready to make your 2025 elections? Follow the login instructions posted under the "Ready to Enroll" page.
Questions?
Call the Human Resources Hotline at 1-800-845-6675 option 4 or email your questions to benefits@ruan.com.
