Ruby Tuesday

benefit highlights

Medical

Plan information

HSA High Deductible

Lowest Premium

$3,000 (I)
Annual Deductible

In-Network Only
Network Accessibility

Coinsurance
You pay the full cost of your Medical/Rx expenses until the deductible is met

$21.50
Individual Weekly Premium

HSA Low Deductible

Average Premium

$1,750 (I)
Annual Deductible

In-and-Out of Network
Network Accessibility

Coinsurance
You pay the full cost of your Medical/Rx expenses until the deductible is met

$40.69
Individual Weekly Premium

Premier PPO

Highest Premium

$800 (I)
Annual Deductible

In-and-Out of Network
Network Accessibility

Copays
You pay copays for doctor visits and Rx

$79.91
Individual Weekly Premium

Symetra MEC Plan

Preventive-Services Only

MEC Services List (adult sample)
Immunization Benefits, Blood Pressure Screening, Cholesterol Screening, Alcohol Misuse Guidance, Obesity Screening, STI Prevention Counseling, Syphilis Screening, Tobacco Use Screening, Type 2 Diabetes Screening, Depression Screening, Diet Counseling, HIV Screening, Aspirin Use, Abdominal Aortic Aneurysm Screening

PhysicianNow

PhysicianNow gives you 24 hour access to a doctor through the convenience of a phone or mobile app.

1-888-283-6691

Additional Resources

Let's find you a BlueCross BlueShield doctor.

Click the button below to find an In-Network doctor in your area.

Prescription Drug

Perscription Drug coverage is provided by Optum RX
Medicare Part D Creditable Coverage Disclosure
High D Plan - EPO HSA HSA Low D - PPO HSA Premier Care Plan - PPO Symetra MEC Plan
Rx Generic $10 co-pay after deductible $10 co-pay after deductible $15 co-pay *
Rx Preferred Brand 75% after deductible 75% after deductible $40 co-pay *
Rx Non Preferred Brand Greater of 75% or $400 deductible Greater of 75% or $400 deductible $75 co-pay *
Rx Specialty Greater of 75% or $400 deductible N/A
Rx Formulary Optum Rx N/A
Rx Mail Order Mandatory
Learn More
N/A
HDHP Preventive Medications Learn More N/A N/A
Preventitive Medications Learn More N/A
Formulary Learn More N/A

* Covers up to a 30-day supply (retail prescription) or 90-day supply (mail order). The following services are covered at 100% if FDA-approved and prescribed by a doctor:

  • Contraceptive methods for women including OTC (such as contraceptive sponges and spermicides)
  • Asprin to prevent Cardiovascular Disease (OTC)
  • Iron Supplementation (OTC) - for children at increased risk for iron deficiency anemia
  • Folic Acid Supplementation - for women planning or capable of pregnancy
  • Oral Fluoride Supplementation (where water source does not contain flouride)
  • Smoking deterrents

Learn About the Optum RX App Get a Temporary ID Card

Learn About Home Delivery Learn About Online Management

Dental

Good dental health is a critical component of your overall health. Your dental plan is through BlueCross BlueShield and provides benefits for preventive, basic and major services. To find a network dentist in your area, go to Find a Doctor

BlueCross Dental

Low Premium

Deductible
None

$2,000
Annual Benefit
Note: Preventive Services are no longer subject to the Calendar-year Maximum!

Adults and Children
Orthodontia

Vision

If you wear glasses or contacts, you know vision expenses can add up. At Ruby Tuesday, vision benefits are provided by BlueCross BlueShield. All BlueCross BlueShield Vision plans come with one of the largest vision networks in the country. To find a network vision provider, visit Find a Doctor.
Member Guide

Base Plan

Lower Premium

$10 copay
Eye Exams

$25 copay
Lenses (once every calendar year)

$150 Allowance
Frames (every calendar year)

$125 Allowance
Contact Lenses (every calendar year)

Premier Plan

Higher Premium

$10 copay
Eye Exams

$25 copay
Lenses (once every calendar year)

$200 Allowance
Frames (every calendar years)

$175 Allowance
Contact Lenses (every calendar year)

Health Savings Account

A health savings account (HSA) is a medical savings account. This account is funded by Ruby Tuesday and you, if you elect to contribute, to help pay for your medical expenses. The funds contributed to an HSA account are not subject to federal income tax at the time of deposit. Unlike a flexible spending account (FSA), funds roll over and accumulate year to year if they are not spent.

All about HSAs

Reasons to elect an HSA
Your funds rollover from year-to-year. Earn tax-free deposits from your paychecks into your account automatically! You can pay for medical expenses, save for retirement, and more!

Pay for Medical Expenses
Use your HSA as an option to pay for your medical expenses tax-free. A debit card is provided to you, to make paying for your services easier than ever before.

Annual IRS Contribution Limits
Individual Contribution Family Contribution
2021 HSA Annual Contribution Limit $3,600 2021 HSA Annual Contribution Limit $7,200
2020 HSA Annual Contribution Limit $3,550 2020 HSA Annual Contribution Limit $7,100
2019 HSA Annual Contribution Limit $3,500 2019 HSA Annual Contribution Limit $7,000

Flexible Spending Account

A Dependent Care FSA enables you to set aside pre-tax dollars to pay for qualified dependent care expenses. Funds can be used to pay for day care, preschool, elderly care or other dependent care.

Learn More
All about FSAs

What can it be used for?
Services provided by anyone other than your spouse or your dependent for the care of your children under the age of 13, services in a day care center, or services of a housekeeper whose duties include providing care for a qualified dependent.

Be Careful!
FSA Funds are NOT yours to keep. By law, whatever funds you do not use by the end of the year are forfeited!

$5,000
Dependent Care Annual FSA Contribution Limit

$2,650
Dependent Care Annual FSA Contribution Limit (if married and filing separately)

Life and Disability

Basic Life and Accidental Death and Personal Loss (ADPL)

  • Ruby Tuesday provides you with Basic Life and ADPL coverage at no cost to you! For newly eligible employees, coverage is effective on the 1st of the month following the date of hire.
  • Area Coaches receive two times your covered salary to a maximum of $250,000 for both Basic Life and ADPL. Managers, Support Center Team Members and Managers in Training receive $25,000 for both Basic Life and ADPL.
  • No medical underwriting is required. You are automatically covered for this benefit, but be sure to designate a beneficiary during the enrollment process.
  • Basic Life does not apply to full time hourly employees.

Supplemental Life Insurance

  • You may purchase additional Life and ADPL coverage for yourself and your dependents. For newly eligible employees, coverage is effective on the 1st of the month following the date of hire.
  • If you do not enroll when you are first eligible to do so, you and your spouse will be subject to medical underwriting for any amount of coverage if you decide to enroll at a later date.
Coverage Features Managers, Area Coaches, Support Center Team Members, Full-Time Hourly Team Members
Supplemental Life Coverage for Yourself 1x, 2x, 3x, 4x, or 5x your salary, up to $500,000

When first eligible to enroll, amounts above 3x your salary require medical underwriting.
Supplemental Dependent Life Coverage Spouse: Choice of $10,000 or $25,000, then increments of $25,000 thereafter up to a maximum of $250,000 (not to exceed 50% of the employee's Supplemental Life benefit)
Child: $2,500 increments, up to $10,000

When first eligible to enroll, amounts of spouse coverage above $50,000 require medical underwriting. Medical underwriting is not required for children.
Supplemental ADPL Coverage for Yourself 1x, 2x, 3x, 4x, or 5x your salary, up to $500,000
Supplemental ADPL for your Dependents Spouse Only 50% of your amount
Child(ren) OnlyEach child: 15% of your amount
Spouse and Child(ren)Spouse: 40% of your amount; Each Child: 10% of your amount

Short-Term Disability

  • You may purchase short-term disability insurance to protect your income if you become disabled due to an off-the-job injury or illness. The benefit pays 60% of your weekly salary up to a period of 26 weeks, as long as you remain disabled. For newly eligible employees, coverage is effective on the 1st of the month following the date of hire.
  • Employees who work in NY, NJ, CA, RI or HI are not eligible to purchase this coverage. NY employees are automatically covered by Ruby Tuesday for statutory benefits that cover 50% of your salary up to a maximum benefit amount of $170 per week.
Coverage Features Manager, Area Coaches, Support Center Team Members Full Time Hourly Restaurant Team Members
Benefit Amount 60% of your weekly salary
Benefit amount weekly maximum: $2,000
60% of your weekly salary
Benefit amount weekly maximum: $2,000
When Benefits Begin if Disabled Managers and Area Coaches
Covered Injury/Illness: on the 30th day

Support Center Team Members
Covered Injury: on the 1st day
Covered Illness: on the 8th day
Covered Injury: on the 1st day
Covered Illness: on the 8th day
Maximum Benefit Period 26 weeks 26 weeks

Long-Term Disability (LTD)

  • You may purchase long-term disability insurance, which provides you with monthly income protection for covered disabilities that last longer than 26 weeks.
  • You must enroll in Short Term Disability to be eligible for Long Term Disability (unless you live in NY, NJ, CA , RI, or HI).
Coverage Features Managers, Area Coaches, Support Center Team Members Full Time Hourly Restaurant Team Members
Benefit Amount 60% of your monthly salary
Benefit amount monthly maximum: $10,000
$900 per month
When Benefits Begin if Disabled After 180 days of disability or the end of short-term disability benefits, whichever occurs later After 180 days of disability or the end of short-term disability benefits, whichever occurs later
Maximum Benefit Period To social security normal retirement age, or, if age 62 or older when disability begins, up to 42 months depending on your age. To social security normal retirement age, or, if age 62 or older when disability begins, up to 42 months depending on your age.

Tuition Reimbursement

What is Tuition Reimbursement?
A program that allows Team Members to be reimbursed for educational expenses.

Who's eligible for Tuition Reimbursement?
Team Members who have six (6) months of service and maintain twenty (20) hours weekly

What courses qualify for Tuition Reimbursement?
Courses must come from an accredited college or certificate program.

How much reimbursement can I receive?
Maximum payable each calendar year is $1,000.00. If you receive financial aid such as grants, scholarships, etc. then your reimbursement will be reduced by that amount. If the difference is larger than $1,000 then you will not qualify for reimbursement. Books and supplies are excluded from reimbursable expenses. Reimbursement of tuition and fees is made on the following schedule according to letter grade:

A 100%
B 85%
C 75%
Below C 0%
Pass/Fail 75% (Pass Only)

How do I apply for Tuition Reimbursement?
Fill out an Tuition Reimbursement Application available from the "Learn More" button below. Have your Manager sign it and return to the Benefits Department for final approval. The application needs to be turned in before classes start

How will I know if my classes have been approved?
You will receive a memo once your classes are approved or denied by our Plan Administrator at the Support Center

What are the retirement planning benefits?
Team members age 55 or older will be reimbursed 100% of the cost, up to $1,000 annually for courses or financial counseling to help them prepare for retirement

Team members have 90 days from the last day of class to send grades and a copy of their tuition receipt to the Plan Administrator at the Support Center. After 90 days, reimbursement is forfeited.

Voluntary Benefits

Why Supplemental Protection?

If Supplemental Insurance sounds like extra insurance to you, you're right. Why would you want more insurance? Simple-- Your primary health insurance, covers only some of the costs you would face with an injury, illness, hospital stay or worse. Many costs related to injuries or illnesses are not medical.

Things like:

  • loss of income from not being able to work
  • everyday expenses like mortgage/rent, car payments, childcare, even food and utilities
  • travel and lodging expenses while seeking care
  • unpaid/not covered medical bills - co-pays, deductibles, co-insurance percentage

Supplemental insurance serves as a financial safety net, providing cash benefits paid directly to you for unexpected emergencies.

Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance services. The supplemental products offered are underwritten by Combined Insurance Company of America and ACE American Insurance.

Chubb Lifetime Benefit Term Insurance

Life Insurance provides your beneficiaries with a cash death benefit if you're gone. Lifetime Benefit Term is term life insurance that lasts a lifetime and you can use it while you're living. If you ever need money to help pay home health care, assisted living or nursing home care expenses, a portion of the death benefit can be applied to these costs. Since most of us are living longer, it's definitely something to consider.

Chubb Accident Insurance

Accidents happen. Chubb Accident Insurance is there when they do with cash benefits paid directly to you if you're injured in a covered accident (plus, pays 25% more for injuries when participating in organized sports). You choose how to use the cash - cover co-pays, deductibles, bills, even groceries - it's up to you. Plus, your covered 24/7 and own your policy as long as premiums are paid.

Chubb Critical Illness Insurance

Life can change instantly. Serious illness like a heart attack, stroke or cancer is unexpected. And so are its costs. Chubb Critical Illness Insurance provides a safety net, paying cash directly to you, helping offset unexpected medical expenses. Or, use the cash to pay the mortgage, groceries, car payments - it's your choice. Coverage is available to your spouse and children and is portable; you keep your coverage even if you leave your job or retire.

Chubb Deductible Buffer (Hospital Indemnity Insurance)

Keep Out. That's what we want to do with hospitals. But, if you do land in the hospital, Chubb High Deductible Buffer is there with cash benefits to help pay for out-of-pocket costs related to being in the hospital. No health exam, questions or pre-existing conditions; Coverage for spouse and children also available.

InfoArmor

Identity Theft Protection

To help protect you and your family, you need an identity alert system. InfoArmor detects suspicious activity, they alert you.

Commuter Benefit

New York Employees Only

This benefit makes it easy to order transit and parking passes, vouchers or a Commuter Check online through PayFlexDirect.com

Tickets at work

Having fun, getting away, and saving money are important for your well-being. This cost-free benefit provides you access to thousands of exclusive travel and entertainment discounts, so you can make the most of your time away from work.