Welcome to your Legacy Infrastructure Group Benefits!

We are proud to offer a variety of great benefits for you and your family. Please explore this site to review your benefits offerings and other helpful resources.

Benefits guide

Welcome to your Legacy Infrastructure Group Benefits!

We are proud to offer a variety of great benefits for you and your family. Please explore this site to review your benefits offerings and other helpful resources.

2025 Benefits guide


2026 PLAN YEAR

Enrolling

Eligibility

You are eligible for benefits if you are hired full time and work 30 or more hours per week. You may also enroll your eligible family members which include your spouse, dependent children up to age 26, and disabled children over age 26.

Enrollment

New hires must complete the enrollment process within 30 days of hire. Coverage will be effective on the first of the month following 30 days of eligibility. If you do not enroll when first eligible, you will have to wait until Open Enrollment to enroll in benefits unless you have a special qualifying event.

Qualifying life Events

The only other opportunity you will have to enroll or change your benefits is if you have a Qualifying Life Event (QLE). This can include marriage, divorce, birth or adoption of a child and loss of coverage. You must notify HR within 30 days of the event.

2026 pLAN YEAR

Medical Plans

PPO 1000 Plan

This plan has a $1,000 individual and $3,000 family deductible. With this plan, your medical premiums will be higher, but you will have a lower deductible.

Blue Saver HSA 3400 Plan

This High Deductible Health Plan (HDHP) has a $3,400 individual and $6,800 family deductible. With this plan, you will pay less in monthly premiums, and you will be able to open a Health Savings Account which allows you to save pre-tax funds for out-of-pocket costs.

Health Savings Account (HSA)

A Health Savings Account (HSA) from UMB can be paired with the Blue Saver HSA 3400 Plan. This account allows you to set aside pre-tax funds for future qualified healthcare expenses. There are eligibility requirements that must be met to be able to continue contributing to the account. Unused funds in your account rollover year after year.

Flexible Spending Accounts (FSA)

A Flexible Spending Account (FSA) is a savings account through UMB set up by your employer that allows you to contribute a portion of your earnings pre-tax to pay for qualified expenses. There are two Flexible Spending Account options: a Healthcare FSA and a Dependent Care FSA. The Healthcare FSA allows you to pay for eligible medical and dental costs. It is only available to those who enroll in the PPO 1000 Plan. The Dependent Care FSA allows you to pay for eligible dependent care expenses like day care. The Dependent Care FSA is available to all employees, regardless of medical plan.

2026 pLAN YEAR

Dental and Vision

Dental High Plan

This dental plan from Lincoln Financial includes a $50 individual and $150 family deductible with $1,000 yearly plan maximum per person. Preventive care is covered at 100%, while basic services are covered at 80% after the deductible is met. Major services are covered at 50% after the deductible, and orthodontia for children is covered at 50% up to a $1,000 lifetime maximum.

Dental Base Plan

This dental plan from Lincoln Financial includes a $50 individual and $150 family deductible with a $1,000 yearly plan maximum per person. Preventive care is covered at 100%, and basic services are covered at 50% after the deductible is met. Major services and orthodontia are not covered under this plan.

Voluntary Vision Plan

The vision plan is part of the Spectra Network through Lincoln VisionConnect. It includes a $0 copay for eye exams, a $130 allowance for frames, or choose from $0 copay covered contact lenses every 12 months.

Life and AD&D Insurance

Life and AD&D insurance provides financial protection by offering benefits in the event of death or dismemberment. Basic Life and AD&D is paid by your employer and includes 1x your annual salary up to $200,000 death benefit, $10,000 spousal death benefit and $2,000 child death benefit. You may also purchase additional Voluntary Life and AD&D insurance for you and your dependents.

Disability Insurance

Disability insurance provides financial protection by offering benefits in the event of an inability to work due to injury or illness. Short-Term Disability (STD) covers 70% of your weekly earnings up to $2,500 for up to 11 weeks. Long-Term Disability (LTD) covers 66.67% of your monthly earnings up to $7,500 for up to your Social Security Normal Retirement Age (SSNRA) or maximum benefit period. Both disability insurances are 100% employer-paid.


2026 PLAN YEAR

Additional Benefits

Voluntary Accident

Voluntary Accident Insurance provides a range of fixed, lump-sum benefits for injuries resulting from a covered accident. Benefits are paid directly to you to use as you see fit. You can add coverage for yourself and your dependents. Review the documents for more information.

Voluntary Critical Illness

Voluntary Critical Illness Insurance provides lump-sum benefits for covered illnesses. Benefits are paid directly to you to use as you see fit. You can add coverage for yourself and your dependents. Review the documents for more information.

Voluntary Hospital Indemnity

Voluntary Hospital Indemnity Insurance provides lump-sum benefits for hospitalizations. Benefits are paid directly to you to use as you see fit. You can add coverage for yourself and your dependents. Review the documents for more information.

401k

The 401(k) retirement plan helps you build long-term financial security by investing pre-tax income. You can save for the future while lowering your taxable income today. Your employer will match 100% of your first 1% deferral and 50% of your next 5% deferral.

Employee Assistance Program (EAP)

The EAP gives you and your family free, confidential access to programs and services that help increase your health and happiness. View the resources section below for login details.

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