Benefit Resources
KBS is proud to serve as your guide for employee benefits. This page will help connect you to the critical resources and information connected to the benefits provided to you by your employer and the KBS Employee Benefit Solution team. Our team is ready to help you properly utilize your benefits and live a healthier, happier life.
Flexible Savings Accounts (FSAs) are a tax-advantaged way to help pay for medical expenses not covered by your existing coverages. FSAs allow you to set aside a portion of your earnings, pre-tax, to pay for approved medical expenses including copays, deductibles, and health care related items.
Your FSA and DC FSA coverage is provided by Surency.
​
Toll Free: (866) 818-8805
HSA (Health Savings Account)
A Health Savings Account (HSA) is a plan designed to help manage the rising cost of health care by allowing employees to set aside pre-tax money to pay for out-of-pocket medical expenses and to save for retirement. Participants in an HSA must be enrolled in a high deductible Health Plan (HDHP) and not covered by any other non-qualifying health plan.
Your Accident coverage is provided by Guardian
​
File Claims and Wellness Benefits online through Guardian Anytime
​
Toll Free: (888) 600-1600
Life can be unpredictable and so too can the costs of unanticipated trips to the hospital or emergency room. The average cost of an emergency room visit in the U.S. is over $1,200, but accident insurance insulates you from the shock of such expenses by helping you pay for emergency room fees, co-pays, and hospital bills.
Your Cancer coverage is provided by Guardian
​
File Claims and Wellness Benefits online through Guardian Anytime
​
Toll Free: (888) 600-1600
Cancer insurance is there to help when the unimaginable becomes reality. Cancer coverage can help cover the costs of cancer treatment and medication that might not be covered under existing medical coverage plans.
Your Critical Illness coverage is provided by Mutual of Omaha
​
File Claims and Wellness Benefits online through MoO website.
​
Toll Free: (888) 600-1600
Planning for unexpected illness is impossible, but planning for the financial burden of a critical illness is not. Critical illness coverage provides financial assistance to be used for minimizing out of pocket costs and other expenses like your mortgage, groceries, and bills during a time of extended illness.
Your Hospital Indemnity coverage is provided by Mutual of Omaha
​
File Claims online through MOO online
​
Toll Free: (888) 600-1600
Hospital Indemnity insurance works in conjunction with your health insurance coverage to limit the financial strain of extended hospital stays. Coverage provides a cash benefit for every day, week or month you are hospitalized and may include additional feature to help with out of pocket costs.
Your Disability coverage is provided by Mutual of Omaha
​
File Claims online through MOO online
​
Toll Free: (888) 600-1600
Disability Insurance should be an integral part of your financial safety net. Disability Insurance protects one of your most important assets, your ability to earn a paycheck. Having a disability plan (which some people call Salary Protection), will ensure you won’t go without your vital income due to an unexpected accident, injury, or illness.
Your Voluntary Life and AD&D coverage is provided by Guardian.
​
Access Claims on Guardian Anytime
​
Toll Free: (888) 600-1600
Voluntary Group Life Insurance and AD&D maximizes the security blanket left behind for your family and dependents in the event that you unexpectedly pass away. Voluntary life insurance policies close gaps that might otherwise exist in your coverage.
Your Universal Life coverage is provided by Transamerica.
​
Toll Free: (866) 953-4675
Universal Life is a voluntary life insurance benefit that provides a guaranteed death benefit along with a policy cash value component that earns interest over time. The coverage is issued without medical exams, includes a guaranteed minimum interest rate, offers loan and withdrawal provisions, and also features an optional long-term care rider that allows access to a portion of the death benefit if qualifying long-term care needs arise, with premiums paid conveniently through payroll deduction.
Your prior coverage for Permanent Life Insurance was provided by US Alliance.
​
Toll Free: (866) 953-4675
Important Update: US Alliance Permanent Life Insurance Program
This information only applies to employees who previously enrolled in the US Alliance Permanent Life Insurance policy.
​
Our current Permanent Life Insurance program through US Alliance is being discontinued within our benefits platform. If you currently have coverage, you still have options to continue your protection.
Your medical transport coverage is provided by MASA+.
​
Toll Free: (800) 643-9023
MASA provides coverage for medical transportation including ground and air ambulance, both of which can cause surprise billings. MASA MTS offers peace of mind and a promise that anywhere in the United States, medical transportation will be covered.
Disclosure: Not all groups utilize the same Medical Transport Carrier, confirm with your HR team or KBS to learn more about your benefit offerings.
Employee Assistance Programs (EAPs) provide resources that can make life easier for you and your family. From counseling, financial coaching, discount programs, and more, your EAP can be a helpful tool.
Disclosure: Not all groups utilize our ComPsych EAP, confirm with your HR team or KBS to learn more about your benefit offerings.
Your Benefit Resources In One Location
Disclosure - Not all benefits offerings and benefit designs are exactly the same across the groups - please confirm with the KBS team or your HR team at your employer for unique program offerings and differences.