Well-being for all
Benefits for a happy, healthy life in 2025.
Bread Financial is dedicated to offering competitive, comprehensive benefits that support the health of you and your family, enabling you to thrive at home, at work and in your community. You’re encouraged to spend time thoroughly exploring this guide to better understand all your options and determine which benefits align best with your needs for the upcoming year.
Bread Financial offers a wide range of benefits designed to support your physical, mental, social and financial well-being. The goal of these programs is to foster a culture of wellness that enhances the lives of you and your family in every possible way, and our diverse range of programs and benefits is tailored to meet the holistic health needs of all associates. Benefits are personal, and your needs may change from year to year. Bread Financial is committed to empowering you to make choices that match your individual circumstances. This guide explains the various options and associated costs of the company’s available benefit offerings and can help you make informed decisions that support your unique goals and needs. Your total well-being matters, and Bread Financial is here to support you every step of your wellness journey.
Your total well-being matters: Comprehensive benefits for every aspect of life
Visit the guide
Bread Financial: Welcome from Brandy Sullivan, SVP, Chief People and Culture Officer
2025 Open Enrollment guide
Benefits at a glance
Medical/ prescription Dental Vision Health care and limited purpose flexible spending account (FSA) Dependent care FSA Commuter account Critical illness insurance Accident insurance Hospital indemnity insurance Optional life Optional AD&D Optional long-term disability buy-up Prepaid legal Identity theft protection
You must enroll in these benefits during Open Enrollment from Oct. 24-Nov. 07:
Virtual Primary and Urgent Care – Included Health Diabetes and Hypertension Support - Livongo Advocacy and Provider Match - Included Health Fertility Support - Progyny Virtual Musculoskeletal Support - Hinge Health
These extra benefits are available to you if you are enrolled in a Bread Financial Medical plan:
Enroll now
Automatically enrolled
Enroll anytime
Basic life Basic accidental death & dismemberment (AD&D) Business travel accident Short-term disability Long-term disability Paid parental leave
The following benefits are provided automatically by Bread Financial at no cost to you:
Benefits available to you anytime
Benefits provided to you
Benefits you choose
Mental health support — Spring Health Family and caregiving support — Bright Horizons 401(k) plan — T. Rowe Price Financial planning — BrightPlan Commuter account — Via Benefits Student loan repayment — Candidly Auto and home insurance — MetLife Pet insurance — MetLife LivingWell Reward Tuition reimbursement Deals & Steals
You can take advantage of these benefits at any time throughout the year, even if you aren’t enrolled in a Bread Financial medical plan:
Basic life insurance
Basic AD&D insurance
Business travel accident insurance
Short-term disability
Long-term disability
Paid parental leave
These benefits are provided automatically by Bread Financial at no cost to you:
Medical/prescription
Dental
Vision
Health Savings Account (HSA) — associate contributions
Flexible spending accounts (HCFSA/LPFSA/DCFSA)
Critical illness insurance
Accident insurance
Optional life insurance
Optional accidental death and dismemberment (AD&D) insurance
Optional buy-up long-term disability insurance
Prepaid legal
Hospital indemnity insurance
To take advantage of these benefits in 2025, you must enroll during Open Enrollment (Oct. 17-31):
Virtual primary and urgent care — Included Health
Advocacy and provider match — Included Health
Diabetes and hypertension — Livongo by Teladoc
Fertility support — Progyny
Virtual musculoskeletal and menopause support — Hinge Health
These extra benefits are available to you if you’re enrolled in a Bread Financial medical plan:
Identity theft protection
Long-term care + life insurance
Savings/spending accounts
Medical
Beginning in 2025, you’ll have three plans to choose from:
Premiums for the vision plan are decreasing by 4%.
The vision plan is being enhanced:
The VSP plan now includes:
The KidsCare plan — designed to meet the eye care and eyewear needs of growing children by providing two comprehensive eye exams per year and one additional pair of glass lenses or contact lenses each year, up to the plan allowance. The LightCare plan — enables you to use the frame allowance in lieu of prescription glasses toward non-prescription sunglasses or blue light filtered glasses with a $10 copay.
The frame allowance is increasing from $150 to $200. The $200 frame allowance also applies to frames purchased at Costco, Sam’s Club and Walmart.
The contact lens allowance is increasing from $130 to $150.
To support family well-being, we’re happy to announce paid parental leave will increase from six weeks to eight weeks for new parents. For birthing moms, this will increase your total time off with 100% pay, using short-term disability and paid parental leave up to 16 weeks. This additional two weeks of paid leave can help parents better manage the demands of a new baby, leading to improved physical and mental health for both parents and children.
The IRS maximum annual contribution to a Health Savings Account (HSA) is increasing from $4,150 to $4,300 for individuals and from $8,300 to $8,550 for families.
In July, we introduced a long-term care and life insurance plan. This benefit helps ensure you’ll be able to afford care later in life, and protects your wealth and assets from the high costs of care. This insurance covers the cost of long-term services and support, including personal and custodial care in a variety of settings, such as your home or other facilities.
What’s new for 2025
o
If you’re an eligible associate who enrolls during the special enrollment period, you’ll have guaranteed acceptance — no health questions required. You can keep the policy, even if you leave Bread Financial, at the same cost and benefit. Watch for information on enrolling during special enrollment periods.
As you explore your 2025 benefits, consider your needs and priorities for the year ahead. Use this checklist to keep track of your decisions and refer to it once you’re ready to enroll.
Benefits checklist
View checklist
Watch and learn
Watch these short videos to learn more about your medical, dental, vision, HSA, FSAs and more.
What's changing for 2025
Finding the right provider
Spending accounts overview
Get more from your coverage
Reasons to enroll in a vision plan
Included Health: Finding the Right Provider
Via Benefits: Spending accounts overview
MetLife: Get More From Your Coverage
VSP: Reasons to Enroll in a Vision Plan
Cancer specialty care services — Included Health
Base High Deductible Health Plan (HDHP) with a Health Savings Account (HSA). Premier High Deductible Health Plan (HDHP) with a Health Savings Account (HSA). Preferred Provider Organization (PPO) Plan.
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Health benefits
If you don't already have a debit card from Via Benefits, you’ll receive a card in the mail, which can be used for both Health Savings Accounts (HSA) and flexible spending accounts (health care FSA and limited purpose FSA). Be on the lookout for your debit card in December as it will be mailed to your home in an unmarked white envelope.
Health Savings Account (HSA)
Please note: If you’re enrolled in the Base or Premier High Deductible Health Plan (HDHP) and don’t open an HSA by the end of Open Enrollment, Oct. 31, you won't receive the full company contribution in January 2025.
Flexible spending accounts (HCFSA, LPFSA)
The IRS maximum annual contribution to a health care or a limited purpose health care flexible spending account (FSA) is currently $3,200. This is subject to increase if the IRS releases a new limit in October/November 2024.
The IRS maximum annual contribution to a commuter account is $315 monthly for parking and transit. This is subject to increase if the IRS releases a new limit in October/November 2024.
Commuter accounts
Active enrollment is required for all associates enrolling in an HSA or FSA during Open Enrollment.
New for 2025
Premiums for the vision plan are decreasing by 4% (see chart).
Enhancements to the vision plan include:
The frame allowance is increasing from $150 to $200, and the same frame allowance applies for frames purchased at Costco, Sam’s Club and Walmart.
The KidsCare plan – designed to meet the eye care and eyewear needs of growing children by providing two comprehensive eye exams per year and one additional pair of glass lenses or contact lenses each year, up to the plan allowance.
The LightCare plan – enables you to use the frame allowance in lieu of prescription glasses toward non-prescription sunglasses or blue light filtered glasses with a $10 copay.
If you’re currently enrolled in the HRA Plan:
Any remaining HRA dollars (over $25 and up to $10,000) will be placed in a post-deductible HRA for you to use through Dec. 31, 2025. You must meet your medical deductible before you’ll be able to access the HRA dollars for eligible medical and vision expenses. The Meritain HRA debit card will be discontinued Dec. 31, 2024. To use your post-deductible HRA funds, you’ll need to manually request reimbursement from Meritain Health (see timeline.)
If you don’t take action during Open Enrollment:
And you’re currently enrolled in the HRA Plan, you’ll automatically be enrolled in the Base HDHP.
The Health Reimbursement Arrangement (HRA) Plan will no longer be available. Premiums will be lower for the new Base High Deductible Health Plan than the current HRA Plan but will increase slightly for all other plans. For the new Base High Deductible Health Plan, which has the lowest premiums of all three plans offered, the coinsurance (paid by you) and the out-of-pocket maximum will be slightly higher than the other medical plan options. There will be small increases in deductibles for all medical plans. If you enroll in one of the two high deductible health plans, Bread Financial will make a company contribution into your HSA through two equal installments in January and July. You’ll no longer need to make your own contribution to receive the company contribution.
HSA and post-deductible HRA (For those enrolled in an HRA today)
*60-day run-out (Feb. 28, 2026) to submit manual health and vision claims to Meritain Health with dates of service in 2025 to post-deductible HRA.
Oct. 31
If you don't have an HSA with Via Benefits, you must enroll, open and accept banking terms in the enrollment platform.
Dec. 31
Meritain Health HRA debit cards to be deactivated.
Mid-January 2025 (first pay 1/10/25)
Bread Financial and your HSA contributions posted to your account from the first pay period in 2025 and available to use.
Early-mid-January 2025
Remaining HRA dollars (from a minimum of $25 to a maximum of $10,000) to be available to use in a post-deductible HRA with Meritain Health. Associates to file for reimbursement through Dec. 31, 2025*.
Mid-December
Via Benefits will mail debit cards to those who don't have a current card to use in 2025. (You may already have a card if you have an FSA now.)
2024
2025
REMINDER: If you’re currently enrolled in the HRA Plan, any remaining HRA dollars (over $25 and up to $10,000) will be placed in a post-deductible HRA for you to use through Dec. 31, 2025. You must meet your 2025 medical deductible to access the remaining HRA dollars for eligible medical and vision expenses.
New benefits enhancements coming in spring 2025:
1
2
And you’re currently enrolled in the PPO Plan, you’ll remain enrolled in the PPO Plan.
And you’re currently enrolled in the HSA Plan, you’ll automatically be enrolled in the Premier HDHP.
We’re adding cancer care advocacy and management services through Included Health that will give associates and caregivers support at every stage of the cancer journey. Hinge Health is expanding its movement and behavioral-based care to help women alleviate common menopause symptoms.
For associates who enroll in a medical plan:
Medical plan choices
Medical plan highlights
Prescriptions
Spending accounts
Medical resources
We’re in this together
Bread Financial is deeply committed to ensuring you have access to high-quality health care options. Despite the significant rise in health care costs in recent years, the company remains committed to maintaining affordable access for all its associates. Looking ahead to 2025, premiums will either be decreasing, increasing or staying the same, depending on the medical plan and tier you choose, and Bread Financial will continue to cover most of the costs (about $70 million in medical claims, as well as 82% of associates’ medical premiums). The company’s self-insured status means that it directly covers associates’ claim costs, emphasizing our investment in your and your family’s health needs. This cost-sharing strategy is a testament to supporting associates’ total well-being.
Associates pay 18%
Bread Financial pays 82%
You have three medical plan choices — the Base High Deductible Health Plan (Base HDHP), the Premier High Deductible Health Plan (Premier HDHP) and the Preferred Provider Organization (PPO) Plan — and each offers something different. Scroll to learn more about the differences in these plans to help you decide which one is best for you.
Get to know your medical plan choices
Consider the following when selecting the best option for your 2025 health care needs.
Which medical plan best suits your needs?
•
If you’re currently enrolled in the HRA plan for 2024, you’ll automatically be enrolled in the Base HDHP unless you actively enroll in either the Premier HDHP or the PPO Plan.
If you’re currently enrolled in the HSA Plan and don’t make election changes, you’ll automatically be enrolled in the Premier HDHP.
If you enroll in the Base or Premier HDHP and don’t open an HSA by the end of Open Enrollment, Oct. 31, you won't receive the full company contribution in January 2025.
Base HDHP
Premier HDHP
PPO Plan
Health care needs
Paycheck contributions
Medical deductible
Savings and tax savings account pairings
Out-of-pocket maximum (associate-only coverage)
Money from Bread Financial
This plan might be right for you if you use a low or moderate amount of health care and/or you’re looking for new ways to save money for the short or long term, including retirement, with the tax advantages of a Health Savings Account (HSA).
This plan might be right for you if you expect some medical needs in 2025. This plan has higher premiums than the Base HDHP but lower deductibles, coinsurance and out-of-pocket maximums. You can also save money for the short or long term with the tax advantages of a Health Savings Account (HSA).
This plan might be right for you if you’re a frequent user of health care and prescription services, have a chronic condition or special need, or expect any major medical needs in 2025, such as surgery.
Moderate
Lowest
Highest
Associate:
$800 annually ($400 in January and July)
Associate + spouse/ domestic partner or child(ren)/family:
$1,300 annually ($650 in January and July)
Money from Bread FInancial
Pairs with an HSA, a bank account that lets you save tax-free dollars for current and future health care expenses. Bread Financial makes contributions twice a year.
Use a limited purpose flexible spending account (FSA) for eligible dental and vision expenses and medical after deductible has been met.
Doesn’t include an account.
Use a health care flexible spending account (FSA) to pay for eligible health care expenses with pre-tax dollars.
None
Plan costs overview
Compared to the other plans, the Base HDHP has lower paycheck contributions. You pay expenses up to the deductible, either out of pocket or with money from your HSA, which Bread Financial contributes to. Then, coinsurance begins until you reach the out-of-pocket maximum.
Compared to the Base HDHP, the Premier HDHP costs slightly more in paycheck contributions but has lower out-of-pocket costs when you need care. Just like the Base HDHP, you pay expenses up to the deductible, either out of pocket or with money from your HSA, which Bread Financial contributes to. Then, coinsurance begins until you reach the out-of-pocket maximum.
Compared to the other plans, the PPO Plan generally has the highest paycheck contribution, but you pay less when you need care. Remember, you pay the premiums each paycheck, even if you never go to the doctor. With this plan, you're responsible for copays for doctors’ visits, while other medical services require a deductible before coinsurance begins. Unlike the other plans, the PPO Plan has a separate prescription (Rx) deductible.
The annual amount you pay before the plan starts to pay.
The most amount of money you’ll have to pay out of your pocket each year for medical services (not including the premium).
After your deductible is met, you share responsibility for payments with Bread Financial. For example, Bread Financial pays 80% of the allowable charges and you pay 20% depending on the plans and services.
A flat dollar amount you pay for certain covered services like doctors' visits.
What the plans have in common
Access to the same network of doctors and hospitals using the Aetna network.
Coverage of the same medical services and prescription drugs (but how much you pay may differ).
Coverage for in- and out-of-network services (note that costs will be lower with in-network providers).
Access to additional health resources, including Livongo, Included Health, Progyny and Hinge Health (visit the medical resources page to learn more).
In-network preventive care is covered at 100%, such as annual exams and age-appropriate screenings.
Protection from extreme medical costs with out-of-pocket maximums.
All plans include:
Let’s look at some examples of how the deductible, copays and coinsurance all work together.
How would the plan I choose affect my medical costs?
Potential scenario: You need surgery and you’re told the hospital bill will be $10,000. If you’re enrolled in Bread Financial’s medical insurance, the amount that’s used to determine what you owe is based on the discounted amount agreed on between your provider and Meritain Health (e.g., negotiated rate). Here are some examples of how the deductible, coinsurance and copays work together with the out-of-pocket maximum.
Total cost of services: $6,000
(negotiated through Meritain Health)
Deductible: You pay the first $1,000
DEDUCTIBLE MET
Cost of hospital visit: $10,000 Discounted (negotiated through Meritain Health) price for services: $6,000
OUT-OF-POCKET MAXIMUM MET ($5,500)
You pay applicable coinsurance (20%)
After deductible is met you pay applicable coinsurance
$1,000
$5,000
$4,000
Bread Financial pays
Your total cost: $1,000 deductible + $1,000 coinsurance = $2,000
Bread Financial's total cost: $4,000
All other in-network services are covered at 100% by Bread Financial
Remaining amount to meet the out-of-pocket maximum
$3,500
Deductible + copays + coinsurance = out-of-pocket maximum
After you reach your out-of-pocket maximum ($5,500), all other in-network services are covered at 100% by Bread Financial.
Illustrated for PPO, associate-only coverage
Deductible: You pay the first $2,000
$800
$1,200
$3,200
$2,000
OUT-OF-POCKET MAXIMUM MET ($4,000)
Bread Financial's total cost: $3,200
Your total cost: $2,000 deductible + $800 coinsurance = $2,800
Illustrated for Premier HDHP, associate-only coverage
After you reach your out-of-pocket maximum ($4,000), all other in-network services are covered at 100% by Bread Financial.
Deductible: You pay the first $3,000
$750
$2,250
$3,000
You pay applicable coinsurance (25%)
OUT-OF-POCKET MAXIMUM MET ($6,000)
Bread Financial's total cost: $2,250
Your total cost: $3,000 deductible + $750 coinsurance = $3,750
Illustrated for Base HDHP, associate-only coverage
After you reach your out-of-pocket maximum ($6,000), all other in-network services are covered at 100% by Bread Financial.
**The PPO Plan includes an individual out-of-pocket maximum within the family tiers. This means that for all tiers other than associate-only, when any one individual family member reaches $8,500 for in-network claims, the plan pays for any claims over that amount for that individual family member. Once the total out-of-pocket maximum is met, then the plan will pay 100% of claims for all family members. Note: If you’re enrolled in the Base or Premier HDHP, your out-of-network claims apply to your in-network deductible and out-of-pocket maximums. If you’re enrolled in the PPO Plan, copays don’t apply toward your deductible, but do apply toward your out-of-pocket maximum.
Out-of-pocket maximums**
This includes your deductible, copays and coinsurance for medical and prescriptions.
$6,000
Unlimited
$5,500
In-network
Out-of-network
Annual deductible
Associate
Family
Associate + spouse/ domestic partner
Compare potential out-of-pocket costs, including deductibles, copays and coinsurance, under each medical plan to help guide your decision.
Consider the costs
Associate + child(ren)
$27.54
$41.59
$152.49
Compare the costs Here’s a look at your 2025 biweekly payroll deductions for each medical plan.
$12,000
$8,000
$7,000
$1,300
$122.47
$174.55
$450.22
$85.56
$123.19
$311.82
$8,500
$155.17
$203.12
$514.87
Percentage shown is the amount Bread Financial covers unless noted differently.
Copays and coinsurance
50%*
75%
80%
Hospitalization
50%
Most other services
*Maximum Reimbursable Charge (MRC) applies to out-of-network charges for non-emergency services. When you receive out-of-network, non-emergency medical care from a non-participating doctor or other health care professional, there’s a limit to the amount of money that will be reimbursed.
100%
0%
N/A
Annual vision exams
Emergency room
$350
(waived if admitted)
Specialist office visit
$50 copay
Urgent care
90%
Mental health visit
$30 copay
$60 copay
until deductible is met, then $15.00
$81-$122 copay
until deductible is met, then 10%
Psychologist
$101-$235 copay
Psychiatrist
$25 copay
Primary care office visit
Telemedicine visit
Primary and urgent care visits
Telemedicine mental health visit
through Included Health
Preventive care
until deductible is met, then $12.00
*60 day run out (Feb. 28, 2026) to submit manual health and vision claims to Meritain Health with dates of service in 2025 to post-deductible HRA.
Mid-Dec
Early - Mid January 2025
Mid - January 2025 (first pay 1/10/25)
Now might be a good time to take a second look at one of the high deductible health plans. You’ll get tax benefits and an HSA contribution from Bread Financial that you can use for eligible health care expenses. Don’t forget, you can also invest your HSA money if your account balance reaches $1,000.
If you enroll in the PPO Plan, it doesn’t come with a company-funded account like the HDHP.
How does the PPO Plan work?
With the PPO Plan, you pay copays for doctor visits, while other medical services require you to meet the deductible before you begin sharing the cost of services through coinsurance.
While a PPO Plan doesn’t pair with a company-funded account, you can enroll in a health care FSA to help lower your taxable income (learn more about flexible spending accounts on the Spending accounts page).
Bread Financial helps you build a medical nest egg by making contributions to your account twice a year in equal deposits on or near the first pay period of January and July (view chart).
You decide how much you want to contribute to your HSA, and it comes out of your paycheck before taxes are applied, like a 401(k) contribution. You have the flexibility to change your contribution anytime up to Nov. 29, of each year, as long as you don’t exceed IRS limits.
Like a regular savings account, money in the account will earn interest. Additionally, once your balance exceeds $1,000, you can grow your account by investing your funds. Any returns you receive on your investment are not taxed.
You use your HSA debit card to pay for eligible medical, dental and vision expenses, or you can choose to pay out of pocket and save HSA money for the future.
If you enroll in the Base or Premier HDHP, you’re also eligible to contribute to a limited purpose health care FSA to pay dental and vision expenses with pre-tax dollars and major medical expenses once you satisfy your medical deductible (click here to learn more).
There’s no use-it-or-lose-it rule; you can carry over these funds year over year for future medical expenses.
The money in your account is always yours to keep, even if you leave the company.
Start it
Grow it
Use it
Keep it
If you enroll in the Base or Premier HDHP, you can open a Health Savings Account (HSA), an individually owned bank account that allows you to set aside pre-tax dollars for qualified medical expenses now or in the future.
How does the HDHP work?
Unsure which medical plan is right for you?
This section provides additional information on the unique features of each plan type as well as the different tax-savings account(s) available with each medical plan. Remember, the medical plans are all available through Meritain Health (using the Aetna network) and cover the same medical services and prescription drugs. But how they work and how you pay for care differs. Explore this section to help you decide which plan is the best fit for you and your family.
When asked, “Who is your health insurance carrier?,” simply reply your coverage is through Meritain Health, with the Aetna Choice® Point of Service (POS) II network. Included Health is also available every step of the way to help you navigate the health care system. Together, they work behind the scenes to ensure your best overall member experience. Here's how they partner for you:
How Meritain Health and Included Health work together to support you
Manages your provider network, Aetna Choice POS II
Provides answers to your benefit-related questions
Can help you find a provider in your network
Helps you manage any chronic health conditions
Processes your health care claims
855-229-0828
includedhealth.com/breadfinancial
Download the mobile app:
For iOS
For Android
Contact Included Health
Included Health: Virtual primary care testimonial
Make sure providers are in the Aetna Choice POS II network.
You can find which providers are in-network by using Included Health.
Ensure your provider is in-network.
Meritain Health processes health care claims for you and your dependents, issues payments to providers and sends information about any patient responsibility you may owe.
When providing your insurance information at the doctor’s office, remind them to choose Meritain Health, not Aetna.
They offer guidance for understanding your plan, verifying your medical coverage and eligibility, and choosing a provider.
They also offer nurse support to help you and your dependents manage your health conditions; they even help you with your health care costs.
Bread Financial aims to ensure everyone receives the care they need, regardless of race, gender or identity. With Communities through Included Health, you have access to a dedicated care team designed for care, connection, advocacy and guidance for the Black and LGBTQ+ communities.
Not sure if your provider is in-network, or need other help? Included Health is available to help answer your health and benefits questions.
Health care can be confusing and frustrating. Follow these three steps for help navigating your insurance and finding providers.
Navigating your coverage
Covers her two children in a medical plan
48 years old
Has a chronic condition that requires regular specialist visits, and her children require frequent health care, usually on weekends or during the night
Ava
Considering
Married and covers his husband
35 years old
Both Matt and his spouse are healthy, but both use their health care moderately for occasional specialist visits
Matt
Single
25 years old
In good health, uses preventive care for annual checkups and rarely needs additional medical care
Oliver
Oliver’s considering the Base HDHP because it has the lowest paycheck contributions, along with a semiannual company contribution to an HSA, which can help him cover the cost of medical or prescription expenses early in the year when he’s still responsible for paying his share of the deductible. If Oliver doesn’t use the money in his HSA, he’ll be able to save that money to use on future medical expenses.
POP QUIZ!
These sample scenarios show how three associates with different life situations consider which medical plan would be right for them.
Which plan is best for you?
Matt’s considering the Premier HDHP because paycheck contributions are moderate, and the deductible is lower than the Base HDHP. Along with the semiannual company contributions to the HSA that will help offset some of their specialist visits, this keeps their total costs low. Matt knows the importance of focusing on the future, and he likes the idea of having another tax-free retirement savings option through the HSA, so he’ll be saving additional tax dollars by making his own contributions. He’ll need to choose well and decide which option works best for them.
Ava’s considering the PPO Plan because she knows doctor visits only require copays, and the low deductible means coinsurance will kick in sooner. She knows she’ll pay more from each paycheck for this coverage, but she’s comfortable with this planned expense.
A. Election results B. Easy rider C. Emergency room D. Earth's rotation
ER stands for ...
The right answer is C — Emergency room You should only visit the ER when you’re experiencing a true emergency. The ER is not intended to replace your regular doctor. It should be used for emergency situations, like uncontrolled bleeding, a major injury or chest pain. It's expensive for you and Bread Financial to use for “everyday” issues. You should always go to the ER for a true emergency, but there are faster, less expensive options when it’s not an emergency. Visit the Your guide to seeking care section for more details.
Prescription drugs
All three medical plans include prescription drug coverage. CVS Caremark is there to help you get the medications you need. Here’s how it works:
You can fill a prescription at any network pharmacy, not just at a CVS Caremark. To locate an in-network pharmacy, visit caremark.com. If you fill a prescription out of network, you’ll pay 50% in the Base and Premier HDHPs; PPO in- and out-of-network costs are the same.
Long-term maintenance medications you take on a regular basis must be filled at a CVS Caremark retail pharmacy, including pharmacies in Target and Costco, or through mail order.
What you pay
Associate + spouse/domestic partner or child(ren)
Bread Financial pays 80%
You pay 20%
Retail:
Preferred brand:
You pay 25% with $40 min/$80 max
Non-preferred brand:
You pay 40% with $60 min/$120 max
Mail order:
You pay 25% with $100 min/$200 max
You pay 40% with $150 min/$300 max
Brand-name drugs
Bread Financial pays 75%
You pay 25%
$10 retail copay
$25 mail order copay
Generics
Combined with medical plan deductible
$100
Full cost of medications until you reach the deductible
Before deductible, you pay:
After deductible:
Go to caremark.com
Call customer care at 833-272-9887
Find a network pharmacy
Before you fill a prescription:
Tips for lowering your prescription costs
Ask your doctor about your options. Generic prescriptions are generally less expensive than their brand-name equivalents but have the same active ingredients.
Take advantage of Caremark Cost Saver™ to keep your out-of-pocket costs low. CVS Caremark works with industry-leading prescription discount suppliers to offer Caremark Cost Saver, helping you save on commonly dispensed generic medications. Caremark Cost Saver makes sure you automatically get the lowest available cost for medications covered under your plan. All you do is present your medical ID card when you pick up your prescriptions.
$200
Check if your prescription is one-time or ongoing. If you take a medication regularly for an ongoing condition, you must get 90-day supplies from an CVS Caremark retail pharmacy or through mail order. Plus, there’s no extra cost for shipping.
Use a network pharmacy. Find one at caremark.com. Note, CVS Caremark retail pharmacies are always in-network.
Make sure your prescription is covered. The formulary is a list of medications that are proven to be effective and cost efficient. Talk to your doctor about prescribing a drug from this list (when generic isn’t an option) to help you save money.
Save through GoodRx, a discount program that lets you compare the prices of medications without using your insurance. You can also find coupons to use at the pharmacy. If you use GoodRx, the price you'll pay and the savings you'll get won't count toward your medical plan deductible, but the savings may still be worth it. Visit GoodRx.com or download the app to see what’s available for your prescribed medications.
You can use any dentist of your choice, but you'll save more if you use a participating dentist.
Both plans have 100% coverage for preventive care, such as annual exams, cleanings and X-rays.
Orthodontic care is covered. The High Plan includes coverage for both adults and child(ren) while the Low Plan is specifically for child(ren) only.
Dental plan
Invest in your smile, invest in your health. You have two dental plan options available through MetLife — PPO High Plan and PPO Low Plan. Things to know about your dental plan options:
Each plan includes an incentive provision that allows for the individual maximum benefit to increase by $500 if you receive one routine oral exam and cleaning in the prior year. If you got your exam and teeth cleaning in 2024, your annual plan maximum will increase by $500 for 2025 and will remain in effect for the succeeding year.
Need a dental ID card? SSO to MetLife
Let’s explore the details and help you choose the plan that suits your needs and preferences.
Associate + family
$7.99
$9.63
Cost per paycheck
100%, no deductible
Basic
Major*
Dependent children up to age 26 only
Associate/spouse and dependent children up to age 26 only
Orthodontia
$50
Deductibles
Coinsurance (What Bread Financial pays once you meet your deductible)
$1,500 per person
$2,500 per person
Annual maximum benefit
Lifetime orthodontia maximum
Excludes preventive visits and orthodontia
Note: If you use an out-of-network provider, you’re responsible for any charges above the reasonable and customary limit. *Porcelain crowns covered.
Maximums (The most that the plan will pay; after that, you pay 100% of the cost)
PPO Low
PPO High
$16.17
$19.47
$150
$17.04
$20.53
$29.45
$35.47
Select Find a Dentist.
Choose the PDP Plus Network and enter your ZIP code, city and state.
Select Find a Dentist button.
3
Once enrolled, you can find which providers are in-network here.
All MetLife products can be accessed through the member microsite. Questions? Call MetLife Customer Service at 833-652-7323 (833-MLBREAD).
*If a member doesn't meet the qualifying criteria in a given year, their annual maximum would stay the same as the prior year's amount. **Incentive provision is capped after one year. Note: Once the incentive is earned, you keep that additional amount regardless of which plan you’re enrolled in.
Even if you're already enrolled in dental coverage, you should take this opportunity to evaluate your and your family's oral health needs to help avoid costly problems in the future.
Members who receive one exam and cleaning in the previous year earn a $500 increase in their annual max (capped after one year).
Year 1: $2,500* Year 2: $3,000* Year 3: $3,000** Year 4: $3,000 Year 5: $3,000
Year 1: $1,500* Year 2: $2,000* Year 3: $2,000** Year 4: $2,000 Year 5: $2,000
$1,500
$2,500
Low Plan
High Plan
How the annual maximum incentive works:
Preventive care incentive
New annual maximum for qualifying members
To search for participating providers in the VSP network and get a cost estimate for services, go to the member microsite.
Your provider can search your coverage online.
Since you won't receive an ID card from VSP, just give your vision care provider your personal information to verify coverage.
Vision plan
The vision plan offered through VSP helps you and your covered dependents see life more clearly.
You might not need to enroll in VSP. If you enroll in the Base or Premier HDHP, you’re covered 100% for annual vision exams when you use an in-network provider, including Optomap. You can also use your HSA or FSA dollars for eyewear.
$3.78
$10 copay
Eye exams
Every 12 months
Copays
*After you pay your $10 copay for prescription glasses, there’s no additional charge for standard progressive lenses. **Contacts and frames can be purchased in the same year. ***15% off additional contact lens services.
$45 allowance
$20 copay
Diabetic Eyecare Plus
Eyeglass lenses*
The plan reimburses based on lens type
Eyeglass frames**
Every 24 months
The plan reimburses up to $50
The plan reimburses up to $100
Contact lenses**
Every 12 months in place of frames and lenses
Contact lenses
Fitting and evaluation
Up to $35***
No discounts
Laser vision correction
LASIK, PRK
Discounts available
The frame allowance is increasing from $150 to $200, and the same frame allowance applies to frames purchased at Costco, Sam’s Club and Walmart.
The KidsCare plan — designed to meet the eye care and eyewear needs of growing children by providing two comprehensive eye exams per year and one additional pair of glass lenses or contact lenses each year, up to the plan allowance.
The LightCare plan — enables you to use the frame allowance in lieu of prescription glasses toward non-prescription sunglasses or blue light filtered glasses with a $10 copay.
$6.07
$150 (copay does not apply)
$6.18
$10.06
Depending on the medical plan you choose, you’re eligible to enroll in certain tax-savings accounts that help your money go further for eligible expenses.
$49,967
$6,720
Gina's annual HSA contribution
Projected HSA balance at age 65
Accumulated tax savings on contributions only
At age 37, Gina begins making an annual contribution to her HSA. She plans to contribute at the same rate until age 65; she won’t take advantage of the age 55 catch-up when she becomes eligible. The HSA will be a savings tool and won’t be used to reimburse current eligible health care expenses. The federal tax rate on her yearly income is 24%.
This illustration provides estimated projections and doesn’t guarantee how your investment will grow. Projections are based on a 4% rate of return each year and assume that no withdrawals are made, and that the contribution amount and the interest rate remain constant until retirement age.
*In some states, you’ll pay state taxes on contributions and/or earnings. Be sure to speak with your tax advisor.
Take advantage of triple tax savings
Know one of the greatest benefits of an HSA? These accounts are triple tax* protected. There are:
No taxes on contributions to your HSA
means you’re reducing your annual taxable income.
No taxes on earnings
from interest or investments.
No taxes on withdrawals
for eligible medical expenses.
2025 HSA contributions
Together, contributions from you and Bread Financial cannot exceed the IRS-determined annual maximum for the account.
Note: You can contribute an additional $1,000 if you'll be age 55 or older in 2025. *Company contributions listed assume you open a Health Savings Account by Oct. 31, 2024. **You don’t have to contribute to get the company contributions from Bread Financial.
$99,935
$13,440
$149,902
$20,160
IRS max for 2025:
Company contribution:*
You can contribute:**
$4,300
Associate only
$8,550
$7,250
Flexible spending accounts (FSAs) are optional accounts you can enroll in that are a great way to save money throughout the year by lowering your taxable income. These accounts allow you to set aside pre-tax dollars each paycheck, then use your account to pay for eligible expenses with money that wasn’t taxed. You can contribute up to the annual IRS limit.
Flexible spending accounts (FSAs)
Comparing the flexible spending accounts Here’s how the different savings account types compare and work with the three medical plans.
Compatible with
You don’t need to be enrolled in a Bread Financial medical plan
or if you’re not enrolled in a Bread Financial medical plan
Your contribution reduces your taxable income
$2,500 if you’re married and file a separate tax return;
Your contribution
for highly compensated associates earning $155,000 or more annually
Medical, dental and vision expenses for you and your eligible tax dependents
Dental and vision expenses and medical expenses after IRS statutory deductible ($1,650/$3,300) has been met
Child care expenses for your child up to age 13 and elder care expenses
Funds can be used for
All funds available day one of benefits coverage
When you have an eligible day care expense, you file a claim for reimbursement up to the available balance in your account
Access to funds
Health care FSA
Limited purpose health care FSA
Dependent care FSA
Company contribution
Change contributions during plan year
You can take your account with you if you leave Bread Financial
Up to $640* if you re-enroll in the FSA the next year If you enroll in the Base or Premier HDHP, carryover FSA dollars will transfer to a LPFSA
Up to $640* if you re-enroll in the FSA the next year
Contributions roll over year after year — you must re-enroll in 2025
You must take action during enrollment if you want to contribute to an FSA in 2025.
Can be used to pay for medical, prescription drug, dental and vision expenses.
Health care FSA (only for PPO medical plan participants or if you aren't covered under any medical plan)
Can be used to pay for dental and vision expenses only, and medical expenses only after the IRS statutory deductible is met ($1,650 for associate-only coverage, $3,300 for all other coverage tiers in 2025).
Limited purpose health care FSA (only for HDHP medical plan participants)
Can be used for eligible day care expenses for your child up to age 13, such as day care or after-school care, and elder care expenses. It isn't for your dependents’ health care expenses. Use the Via Benefits website or mobile app to request your day care reimbursement. You can also use the provider signature tool to avoid the hassle of uploading supporting receipts.
For an overview on how the high deductible health plans work with a Health Savings Account, visit the medical plan choices section here.
Health Savings Accounts
Via Benefits: How does the Health Savings Account work?
Watch your savings grow
Your HSA earns tax-free interest, so it has the potential to make money above and beyond what you contribute. The following example illustrates how your annual HSA contribution can grow over time and be there for future use, even in retirement.
As you approach age 65 and become eligible for Medicare, you have an important choice:
Enroll in Medicare, and no longer make contributions to your HSA.
Delay enrolling in Medicare (and collecting Social Security benefits) and continue contributing to your HSA and receive the company contribution. However, there are important implications you should understand. For more information go to Medicare.gov.
If you’re not enrolled in Medicare and are otherwise HSA-eligible, you can continue to contribute to the HSA after age 65. You’re also allowed to make a catch-up contribution of $1,000 each year. But you should plan ahead: if you don’t stop HSA contributions at least six months before Medicare enrollment, you may incur a tax penalty.
The FSAs are "use-it-or-lose-it" plans. You can use your FSA for expenses incurred during the plan year (Jan. 1 through Dec. 31). You have until March 31 the following year to request reimbursement. You can visit the FSA Store to spend down your health care FSA.
You can also use the provider signature tool to avoid the hassle of uploading supporting receipts.
Via Benefits: Dependent care spending accounts
You don’t need to be enrolled in a Bread Financial medical plan.
Bus, train or subway to work; ride-share services; parking at or near work
You elect a dollar amount to be withheld from your pay, and this amount will be loaded onto your Via Benefits account’s debit card. You will then pay eligible commuter expenses using your Via Benefits debit card.
$315* per paycheck for transit $315* per paycheck for parking
Company contributes
Your contributions reduce your taxable income
Contributions can earn interest and investment earnings on a tax-deferred basis
Contributions roll over year after year
You must re-enroll to use benefits in 2025 and beyond
2025 IRS contribution limit
Can change contributions during the plan year
Enrollment elections for commuter accounts must be made on the Via Benefits mobile app. No “annual enrollment” exists for commuter accounts, and you can start payroll contributions anytime throughout the year (enroll by the 20th of the month to fund the next month’s contributions). Payroll deduction for the cost of the pass and administrative costs is deducted the second paycheck of each month, even when three paychecks occur in a month.
How to enroll
These accounts work similarly to FSAs. You can set aside pre-tax dollars each paycheck for eligible work-related commuting expenses, such as train passes and parking fees.
*This is subject to increase if the IRS releases the new contribution maximum for 2025 in October/November 2024.
*This is subject to increase if the IRS releases the new contribution maximums for 2025 in October/November 2024.
If you’re an active associate working past age 65, you don’t have to enroll in Medicare. Your active coverage in a Bread Financial medical plan (HDHP or PPO) continues as your primary coverage. Since your coverage continues as primary*, you may choose to delay Medicare Part A and Part B (if deferring Social Security), and you’ll have a special enrollment period to enroll in Medicare after Bread Financial’s coverage would otherwise end. Bread Financial’s medical plans are considered creditable group coverage and will allow you to avoid a late enrollment penalty for you and your dependents. *Note: There are different rules if you’re Medicare-eligible due to disability or because you have end-stage renal disease.
$3,200*
This debit card can be used for spending and savings accounts, including commuter.
What is CIP and why do you need it for your HSA?
The Customer Identification Program (CIP) is a federally mandated process used to verify the identity of individuals when opening a Health Savings Account (HSA) or any other bank account in the United States. As part of the USA PATRIOT Act, the CIP adds security to your HSA and helps protect your personal information. This verification ensures compliance with federal regulations, helps protect against potential fraud and safeguards the overall integrity of your account.
1.
CIP will be performed at time of enrollment.
2.
During the CIP process, information like your first and last name, residential address, date of birth and Social Security number will be verified to open your account.
3.
If Via Benefits is unable to verify your identity, they may need additional documents from you. If so, you’ll be notified by mail and receive a letter or email instructing you how to provide the correct documents.
4.
Your account may not open if you’re unable to supply Via Benefits the requested forms of identification within 90 days of account setup.
If you plan on receiving Bread Financial’s contribution or making your own contributions to an HSA, you must actively enroll and open an account during Open Enrollment if you haven’t already been contributing to an HSA.
Important!
Flexible spending accounts
You must take action during enrollment if you want to contribute to a Health Savings Account (HSA) in 2025.
Bread Financial is dedicated to supporting all associates’ well-being by offering a variety of benefits designed to help you and your family achieve your health and wellness goals. When you enroll in a medical plan, you have access to the following programs and resources. Your total well-being matters to us, and you’re encouraged to take advantage of these great benefits throughout the year.
Find out everything Included Health does for you:
One place where all care begins
A single point of entry for Bread Financial associates to meet a full continuum of care needs.
Visit Included Health
Learn more:
Included Health navigation
Administrative
Continuum of Care
Complex
Expert opinions for complex diagnoses
Help understanding condition and treatment options
Provider matching and appointment scheduling
Virtual primary care for physical and behavioral health needs
Dedicated guidance and advocacy for the LGBTQ+ and Black communities
Annual benefits enrollment support and guidance to relevant benefits
Answers to coverage and plan design questions
View of medical costs and spend, claims and billing assistance
Personal advocate for administrative and logistical challenges
Insurance information and activity/claims history
Annual benefit enrollment support and guidance to relevant benefits
Virtual Primary Care for physical and behavioral health needs
Bread Financial associate testimonials
Manage your diabetes effectively with an easy-to-use, touchscreen blood glucose monitoring device, unlimited supplies of test strips and lancets, personalized, real-time coaching and more. You can also manage your hypertension with at-home blood pressure monitoring, get help predicting health complications and receive easier access to remote coaching or other clinical interventions. This program is 100% covered and at no cost to you when enrolled in a Bread Financial medical plan.
“The nurses who have contacted me via text in the past when my levels were out of control gave me EXCELLENT advice on how to lower and maintain my levels!”
“I sleep better. I can prepare my meals easier because I'm able to test my blood sugars. Before I couldn't afford my strips, so my life was in jeopardy every day.”
Get started: Click here or call member support at 800-945-4355 and use registration code BreadFinancial.
Chronic neck program member
or call 855-902-2777
Visit Hinge Health
Get started:
Get unlimited one-on-one coaching and virtual visits for back, muscle, and joint pain, and women’s health and pelvic floor disorders with Hinge Health, an app-based physical therapy and exercise therapy program. When you join, Hinge Health will assess your condition and match you to a care team that will personalize your treatment plan. Your care team may include a physical therapist and a health coach that you keep throughout your experience. This service is free to associates and covered dependents 18 years or older who are enrolled in a Bread Financial medical plan.
"This program has helped me tremendously! I cannot express the appreciation I have for helping me with daily chronic pain!"
"I'm actually getting stronger! The Hinge exercises don't take long and some of them involve stretches that I never would have thought to do. It's also a great break in the middle of the workday so if people would just schedule their short Hinge session they would find that it's also a nice mental break!"
Bundled fertility treatment that includes all the individual services, tests and treatments you may need for in vitro fertilization (IVF), intrauterine insemination (IUI), egg or sperm freezing, frozen embryo transfer and more. Treatment is bundled in “smart cycles,” so you won’t run out of coverage mid-treatment.
*The person(s) receiving treatment must be enrolled in a Bread Financial medical plan.
Integrated fertility medication coverage*
$10,000 adoption financial assistance per child
844-535-0718
Visit progyny.com/education
$10,000 surrogacy financial assistance per attempt
Progyny offers a network of fertility specialists across the U.S. who provide care using the latest technologies and treatments for more successful outcomes. These benefits are available to you through Progyny:
Virtual primary care
Virtual primary care, urgent care and behavioral health care are available to you.
LGBTQ+ and Black communities
A dedicated care concierge and health care navigation platform for the LGBTQ+ and Black communities can connect you with high-quality, affirming providers who will advocate for you based on your specific needs.
Expert second opinion
Included Health is there for you and your eligible family members for free (e.g., parents, grandparents, siblings, adult non-dependent children and in-laws) when you need help finding an in-network doctor or need a physician’s opinion on a treatment or diagnosis.
Provider match
You can find the best doctor for you by using the patient provider match engine on Included Health.
Additional services include:
Personalized cancer support and survivor care plans
Cancer Support Program
Bread Financial will offer Included Health’s Cancer Support Program to associates and dependents covered by Bread Financial medical plans. Bread Financial associates will have access to:
Personalized care to help you manage your treatment plan
If you or a loved one are currently navigating a cancer diagnosis, you already have access to Included Health resources that can help you in your journey:
Expert medical opinions to help you review your diagnosis and feel confident in your treatment plan
Support in finding high-quality, local care
Virtual behavioral health visits so you can get the care you need without leaving your home
Seven-day access to specialized oncology clinicians
Behavioral health support for caregivers
Coaching support for lifestyle transitions and career challenges
Women's pelvic health program member
Your guide to seeking care
Coming March 2025
Starting in Spring 2025, Hinge Health members will have access to movement-based menopause care as part of the chronic and pelvic health programs. Your physical therapist-led care team will provide personalized exercise therapy and behavior-based lifestyle modifications to alleviate joint and muscle pain, maintain muscle mass and bone density, and address symptoms like hot flashes and mood swings.
NEW for 2025
Hinge Health: Member testimonials
With so many available health care options, it can be difficult to know how and where to get the right care. To receive quicker and more cost-effective care, review this information and consider all the virtual and in-person options available to you.
Feeling unwell? Your guide to seeking the right care.
Description
Wait time
Cost
Virtual visit (Included Health)
Primary care provider
Hospital ER
Freestanding ER
When evaluating your care options, you have the power to choose an option that matches the urgency of your condition and to compare costs for different providers. Remember, you must meet your deductible before your plan begins to share costs. Most preventive care is covered at 100% when using an in-network provider, even before you meet your deductible.
Care option
Health concerns
Receive care through your computer or phone 24/7 for minor illnesses and injuries, counseling and dermatology. Visit includedhealth.com/ breadfinancial, call 855-229-0828 or download the mobile app.
• Allergies • Eye, ear and mouth pain • Fever • Flu • Minor headaches or pain • Stress • Urinary tract infection
Often less than 15 minutes.
$
Receive care for non-urgent illnesses and injuries, health screenings, vaccinations, travel health, physicals, women’s or men’s health, and specialist referrals. Build a relationship with a doctor who knows your health history. Includes virtual primary care visits. Visit includedhealth.com/breadfinancial, call 855-229-0828 or download the mobile app.
• Allergies • Bronchitis • Chicken pox • Digestive issues • Ear and sinus infections • Flu • General health screenings • Strep throat • Urinary tract infection • Vaccinations
Appointment availability varies by care provider.
$$
Receive care for urgent illnesses and injuries that aren’t life-threatening when your primary care doctor doesn’t have availability; walk-ins usually welcome and may be open evenings and weekends.
• Animal bite • Back pain • Earache • Minor cuts and burns • Minor eye injuries • Minor fractures • Sore throat • Sprain • Urinary tract infection
Can be immediate or 30-plus minutes, depending on facility.
Receive care for major injuries except for trauma; these ERs have “EMERGENCY” in the name and charge like a hospital ER.
• Allergic reactions • Animal bites • Broken bones • Burns • Chest pain or pressure • Poisoning • Trouble breathing
Ranges from immediate to hours, depending on severity, but often shorter than a hospital ER.
$$$
Receive care for serious or life-threatening emergencies; not meant to be an alternative for a doctor’s office. Always dial 9-1-1 or visit the ER right away when you’re facing a severe, life-threatening condition.
• Asthma attack • Choking • Head injury • Neck or spine injury • Poisoning or overdose • Seizure • Severe burns • Severe chest pain or
Ranges from immediate to hours, depending on severity.
pressure
Coverage for the unexpected Voluntary insurance like accident insurance, critical illness insurance and hospital indemnity insurance pay you a cash benefit if you experience a specific medical issue. Take advantage of these benefits to keep your costs down when you need care and have an extra financial cushion.
Remember, you should always seek the level of care you need and what’s recommended by your medical providers, regardless of the cost of that care. For additional questions, call your Included Health care coordinator at 855-229-0828.
Learn more
• Severe pain • Uncontrolled bleeding
Voluntary benefits
Bread Financial offers additional benefits that pay you a lump-sum cash benefit if you have specific injuries or illnesses or become hospitalized. Accident, critical illness and hospital indemnity plans from Voya are completely voluntary and can help bring you peace of mind. You can purchase none, one, two or all three — the choice is yours.
Enrolling or currently enrolled in Voya's voluntary benefits? Don’t miss this opportunity that could save you money. During Open Enrollment, you'll have the chance to connect your medical claims to Voya. If you enroll in any of the Voya plans, opt in “Yes” to get personalized updates from Voya based on your medical claims activity. Ensure you aren’t missing out on possible claims opportunities, including your annual wellness benefit(s).
If you suffer certain illnesses, such as a heart attack or cancer, critical illness insurance can protect against the financial impact. You receive a lump-sum cash payment, which can be used to pay for your treatment costs or for everyday living expenses, from rent and groceries to special transportation services. A $50 wellness benefit can be earned to encourage you and your covered dependents to maintain your health. If your spouse and children are on your plan, you can earn wellness benefits for them as well ($50 spouse/$25 each up to four children). Rates are based on age, tier and plan.
Benefit basics: Critical illness insurance
Associate + spouse
$1.57
$3.14
Under 25
$1.66
$3.32
25-29
$1.94
$3.88
30-34
$2.35
$4.71
35-39
$7.57
40-44
$5.03
45-49
$9.28
$18.55
50-54
$11.03
$22.06
55-59
$36.28
60-64
$48.28
65-69
$62.77
70+
Attained age
Biweekly rate (26 pay periods)
High plan: $20,000
$18.14
$24.14
$31.38
Associate: $10,000
Low plan
High plan
Associate: $20,000
What's covered
The most common conditions claims are paid for include heart attack, cancer, stroke, coronary artery bypass and kidney failure. If one of these common events happens on or after your coverage effective date, and your claim is approved, benefits are payable at 100% of the coverage selected unless otherwise stated. Visit Voya's microsite for more details on coverage.
Need to file a claim for your critical illness, accident or hospital indemnity insurance? Don’t forget, if you're enrolled in the critical illness plan and you complete your wellness exam, you can file your claim to get a $50 reimbursement. Simple and easy!
Filing a claim is as easy as 1-2-3
File a claim
Bread Financial provides you with basic life, accidental death and dismemberment (AD&D), business travel accident (BTA), and disability coverage to help your family when life takes an unexpected turn. During Open Enrollment, you have the option to add supplemental coverage.
Consider additional benefits
$3.65
$7.29
$3.92
$7.85
$4.29
$8.58
$5.17
$10.34
$7.66
$15.32
$11.95
$23.91
$19.98
$39.97
$26.77
$53.54
$40.52
$81.05
$55.38
$110.77
$74.03
$148.06
Associate: $10,000; Spouse: $10,000
Associate: $20,000; Spouse: $20,000
$2.08
$4.15
$2.17
$4.34
$2.45
$4.89
$2.86
$5.72
$5.54
$11.08
$9.78
$19.57
$11.54
$23.08
$18.65
$37.29
$24.65
$49.29
$31.89
$63.78
Associate: $10,000; Child(ren): $5,000
Associate: $20,000; Child(ren): $10,000
$8.31
$4.43
$8.86
$4.80
$9.61
$5.68
$11.36
$8.17
$16.34
$12.46
$24.92
$20.49
$40.98
$27.28
$54.55
$41.03
$82.06
$55.89
$111.78
$74.54
$149.08
Associate: $10,000; Spouse: $10,000; Child(ren): $5,000
Associate: $20,000; Spouse: $20,000; Child(ren): $10,000
The most common treatments and conditions that claims are paid for include ER treatment, stitches, X-rays, follow-up doctor treatment(s) and physical therapy. The chart below highlights some of these events and the benefit payment you’d receive if your claim is approved. For more details on what’s covered, visit presents.voya.com/EBRC/breadfinancial.
You can’t always prevent accidents, but you can take steps to reduce the financial impact. Accident insurance provides a cash benefit directly to you in cases of eligible accidental injuries. You can use the money however you want, including paying for uncovered medical expenses, such as your deductible or coinsurance, or for ongoing living expenses. The amount you receive depends on the medical care resulting from the accident and the severity.
Benefit Basics – Accident Insurance
$1.78
$2.87
Low
High
$125
$40
$45
Covered treatments
Accident-related treatment
Emergency room treatment
X-ray
Follow-up doctor treament
Physical therapy
Up to six sessions per accident
$3.50
$5.70
$3.84
$6.32
$5.57
$9.14
Hospital indemnity insurance pays a fixed daily benefit if you have a covered stay in a hospital, intensive care unit or rehabilitation facility that occurs on or after your coverage effective date. Benefits depend on the type of facility and number of days of confinement. For example, a hospital admission on the low plan may pay up to $600, or up to $900 on the high plan. Visit Voya’s microsite for more details on coverage: presents.voya.com/EBRC/breadfinancial.
Hospital indemnity insurance supplements your existing medical insurance for covered stays in a hospital, critical care unit or rehabilitation facility. You can use this money for any expense you’d like: child care, groceries, help around the house — it’s up to you. Hospital indemnity insurance is a limited benefit policy. This isn’t health insurance and doesn’t satisfy the requirement of minimum essential coverage under the Affordable Care Act.
Benefit Basics: Hospital Indemnity Insurance
*Child(ren) birth to age 26; no limit to the number of children per family.
$4.68
Low plan: $100 daily benefit
High plan: $150 daily benefit
$8.92
$14.93
$7.70
$13.69
$11.94
$20.77
For you
For your spouse/domestic partner
Basic accidental death and dismemberment (AD&D)
Provides protection for loss of life, limb or sight as a result of a covered accident.
1X
Coverage:
your annual salary
Business travel accident (BTA)
Protects you if you have an accident while traveling on company business.
3X
1 to 8X
your annual salary, up to a maximum of $500,000
($2,000,000 maximum for basic and optional combined)
$5,000; $10,000; $25,000; $50,000; $75,000; $100,000; $125,000; or $150,000
(Limited to 100% of associate’s coverage amount)
For your child(ren)
$5,000; $10,000; or $25,000
Spouse/domestic partner
Optional accidental death and dismemberment (AD&D)
1 to 10X
(Optional AD&D is up to a maximum of $500,000)
Your spouse/domestic partner’s coverage is equal to 50% of your coverage.
Child(ren) only
Each child has coverage equal to 15% of your coverage.
Spouse/domestic partner and child(ren)
Your spouse/domestic partner’s coverage is equal to 40% of your coverage. Each child has coverage equal to 10% of your coverage.
Who pays the cost:
Coverage options you can enroll in for your dependents
To get optional life coverage for your spouse/domestic partner or your child(ren), you must elect optional life coverage for yourself. In certain situations, you must submit evidence of insurability (EOI), which is proof of good health, before optional life insurance coverage begins. Coverage requiring EOI becomes effective only after the insurer, Securian Life, approves it.
Rates are age- and salary-based and available during enrollment.
Plan:
Bread Financial’s disability benefits include short-term disability (STD) and long-term disability (LTD) payments. These benefits keep part of your paycheck coming to you if you’re sick or hurt and can’t work.
Disability coverage
Short-term disability (STD)
Long-term disability (LTD)
If you’re an eligible associate, the coverage pays 100% of your base pay for weeks two through eight and 70% of your base pay for weeks nine through 26, as long as you remain unable to return to work.
Full-time associates become eligible for STD 180 days from their hire date. If you become ill or injured (in a non-work accident) and are unable to work:
A one-week elimination period applies.
Visit Breadquarters for additional details.
Associates can use up to eight weeks (must be in five-day increments) during the first 12 months of the baby’s life, or in the case of an adoption for the first 12 months with you.
Bread Financial recognizes the physical, emotional, psychological and financial demands of childbirth and parenting. Periods of leave are important for the well-being of both parents and children. Beginning in 2025, we’re enhancing our paid parental leave from six weeks to eight weeks. All eight weeks are paid by Bread Financial at 100%.
Eligible associates may take up to eight weeks of paid parental leave for a birth or adoption that takes place on or after Jan. 1, 2025.
Benefits may end at retirement age or after 24 months for mental and nervous conditions. These benefits are subject to offsets, such as Social Security and Workers’ Compensation.
The basic LTD provides eligible associates 50% of their monthly earnings, up to a maximum benefit of $10,000/month.
An optional LTD buy-up option is available. It covers 60% of your monthly earnings up to a maximum benefit of $15,000/month.
Here’s an example of how a birthing mom at Bread Financial can benefit from both short-term disability and the eight weeks of paid parental leave.
wk2
wk 1
wk 9
wk 16
Elimination period
One week PTO/PSL+ or PSST
Weeks two through eight at 100%
Weeks nine through 16 at 100%
Maternal childbirth (Short-term disability + eight weeks paid parental leave) Up to 16 weeks paid time for maternity
Identity theft can happen to anyone. Identity protection services from Allstate are there to help protect you and your financial well-being from a range of threats as well as to help you manage the restoration process in the event of an identity theft.
Pricing per paycheck
$3.00 for associate-only coverage
$5.76 for family
Visit myAIP.com
Call 800-789-2720
A Parents Plus plan that includes coverage for your parents, parents-in-law and grandparents
A Base plan
The prepaid legal plans offer two plan choices:
$8.31 for Base plan
$10.62 for Parents Plus plan
Visit legalplans.com
Call 833-652-7323 (833-MLBREAD)
Get access to a network of attorneys who can assist you and your family with legal matters ranging from traffic tickets to real estate.
Both prepaid legal plans include legal coverage for reproductive health at no additional cost.
One in four seniors over age 65 has been the victim of identity fraud. Help safeguard senior family members with the Elder Fraud Center through Allstate Identity Protection. This helpful hub includes self-help tools and tips from identity specialists. Whether or not you’re an Allstate Identity Protection member, you can find guidance for protecting your family.
Visit the Elder Fraud Center to learn more.
Well-being resources
Buying long-term care insurance can provide you and your family peace of mind in knowing you'll be able to afford care later in life. It can also help protect your wealth and assets from the high costs of care. This insurance helps cover the costs of long-term services and support, including personal and custodial care in a variety of settings such as your home, a community organization or other facility. Enrolling early can lock in lower premiums and provide more options tailored to your specific needs. If you enroll during the special enrollment period, eligible associates will have guaranteed acceptance — no health questions required. You can keep this policy at the same cost and benefit even if you leave Bread Financial.
For questions and special enrollment periods, visit Trustmark or contact mybenefits@breadfinancial.com
Long-term care + life insurance benefits
Benefit basics: Accident insurance
Benefit basics: Hospital indemnity insurance
The most common treatments and conditions that claims are paid for include ER treatment, stitches, X-rays, follow-up doctor treatment(s) and physical therapy. The chart above highlights some of these events and the benefit payment you’d receive if your claim is approved. Visit Voya's microsite for more details.
Hospital indemnity insurance pays a fixed daily benefit if you have a covered stay in a hospital, intensive care unit or rehabilitation facility that occurs on or after your coverage effective date. Benefits depend on the type of facility and number of days of confinement. For example, a hospital admission on the low plan may pay you up to $600, or up to $900 on the high plan. Visit Voya's microsite for more details.
These programs are available to all associates, regardless of their medical plan:
In-app wellness exercises
Support your mental fitness on-the-go with exercises in meditation, better sleep and more.
Personalized recommendations
Take assessments to identify the right care for your needs, learn more about yourself and track your progress.
Dedicated support
Receive guidance along your journey from your personal Care Navigator.
Unlimited coaching
Receive tips for managing stress, increasing focus and more.
Medication management
Speak with psychiatrists to manage medications, when appropriate.
Work-life resources
Talk to experts and find support for legal assistance, financial services, child or elder care, travel and more.
Confidential therapy
Find a therapist across specialty, gender, ethnicity, language and sexual orientation. Book sessions with providers directly through the Spring Health platform at times that fit your schedule. You and your immediate family members (age six and older) each have eight sessions covered at no cost by Bread Financial each year.
Spring Health also provides a 24/7 crisis support line. Call 855-629-0554 (press option 2) to speak with a licensed provider within 30 seconds.
Visit livingwell.springhealth.com to activate your benefit
Family Concierge
Get timesaving, personalized guidance and a customized plan for family care based on what’s available to you through your Bright Horizons Family Concierge. From child care and pet care to housekeeping, elder care and education enrichment, Family Concierge will be there every step of the way, working closely with you to adapt your plan.
Back-Up Care
When your regular caregiver falls through when you need to work, this back-up care program, through the Bright Horizons network, helps you find and get care for your children.
Pet Care
Back-up care is no longer just for your human children, it includes care for four-legged kids, too! You can exchange eight hours of back-up care for a $150 credit for dog walking or pet boarding services. And remember, pet insurance is also available through MetLife in case your pet gets sick or injured.
College Coach®
Preparing for college can be exciting and overwhelming — for you and your child. Bright Horizons can make the journey easier with one-on-one guidance from former college admissions and financial aid experts, strategies for applying to and affording college, personalized essay reviews/feedback and more.
888-874-0420
Visit clients.brighthorizon.com/breadfinancial
Bright Horizons: Accessing your Bright Horizons Back-up benefit
With work, family and personal responsibilities, life can get busy fast. Get help with Bright Horizons. Available services include:
Elder Care™
Support to help you care for an aging loved one, including:
In-home assessments to determine a customized care plan to match your loved one’s needs.
Help finding, planning and coordinating appropriate, high-quality care.
Ongoing support and personalized guidance from a dedicated, experienced Care Coach.
Legal and financial assistance.
A website and app that’s a hub for communicating, planning and coordinating care tasks for everyone on your caregiving team, including family members.
Use available funds to support your total well-being. LivingWell provides you with $400 each calendar year that you can spend on eligible items, memberships and/or experiences that support your total well-being — including fitness memberships, mindfulness apps, wearable fitness trackers, music subscriptions, books, headphones, home office furniture and much more. Use the funds for yourself or your immediate family members.
Experience LivingWell — Our award-winning, holistic well-being program is aimed at helping you feel balanced, energized and optimistic about your personal journey. They'll help you navigate resources that support your whole self and improve your financial confidence.
LivingWell Reward
Spring Health: Overview of the mental health program
Milk Stork makes it easy to get your breast milk home when you're away on business travel. For those choosing to breastfeed while traveling for work, LivingWell will cover the cost of shipping your breast milk home while you're on the road.
If you have additional questions, please reach out to livingwell@breadfinancial.com.
For ages 4 to 26, Equip Health offers evidence-based virtual outpatient treatment for eating disorders supported by a multidisciplinary care team for a holistic approach to lasting recovery.
Mental well-being resources through Meritain
855-387-4378
Visit equip.health
Financial wellness benefits
Bright Horizons: Back-Up Care
Enroll at brightplan.com/enroll
Download the BrightPlan app:
Two ways to get started:
401(k) plan
It’s never too late (or early) to start saving for your retirement. With Bread Financial’s 401(k) plan, everyone benefits. Bread Financial automatically deposits free money into your 401(k) on an annual basis, equal to 3% of your eligible annual pay. Plus, you can take advantage of a company match ($0.50 for every $1 you contribute, up to 6% of your eligible annual pay) with no waiting period. Pre-tax, Roth and after-tax options are available.
Remember — you can also participate in the
Employee Stock Purchase Plan (ESPP)
You and your immediate family have access to this confidential, robust financial wellness tool at no cost. Whether you’re looking to build a financial plan or simply learn strategies to better manage money, BrightPlan has a solution for you. Take advantage of helpful tools and education within BrightPlan’s digital platform. Need advice on your investments? Enroll in BrightPlan and speak to a CERTIFIED FINANCIAL PLANNER™ (CFP) for free. These financial planners provide independent and objective advice that's always in your best interest.
Learn more on the 401(k) Breadquarters page.
You and your immediate family have access to this confidential, robust financial wellness tool at no cost. Whether you’re looking to build a financial plan or simply learn strategies to better manage money, BrightPlan has a solution for you. Take advantage of helpful tools and education within BrightPlan’s digital platform. You can also chat 1:1 with a CERTIFIED FINANCIAL PLANNERTM for free!
Learn more: Visit Breadquarters
Navigating student loan debt is tough, but you don’t have to do it alone. Whether you want to lower your monthly student loan bill, find debt forgiveness programs, pay off your debt faster or need help planning how you’ll pay for school, Candidly offers smart solutions designed with your goals in mind. This financial benefit is available to you at no cost.
Identity theft can happen to anyone. Identity protection services are there to help protect you and your finances from a growing range of threats and manage the restoration process in the event of an identity theft.
Pricing per paycheck:
Get started: Visit myAIP.com/breadfinancial or call 800-789-2720
The Bread Financial associate discount program gives you access to discounts on more than 100,000 name brands at hundreds of your favorite retailers. You’ll find restaurants, gyms, Groupon deals and thousands of other local offers, as well as tickets to sporting events, concerts, theatres, movies and theme parks.
Deals & Steals
Bread Financial offers all full-time and part-time associates discounted rates for auto, home and pet insurance through MetLife.
Home, auto and pet insurance
For pet insurance: Click here to get a quote.
Call 833-652-7323 (833-MLBREAD) for assistance.
For home and auto: Click here to get a quote from Farmers Insurance, a MetLife partner.
Full-time associates are eligible to be reimbursed for certain out-of-pocket costs up to $5,250 ($2,625 for part-time) per calendar year for pursuit of an approved degree (business, marketing, etc.).
Tuition reimbursement
Get access to a network of attorneys that can assist you and your family with legal matters ranging from traffic tickets to real estate.
Both prepaid legal plans are adding legal coverage for reproductive health at no additional cost.
The prepaid legal plan will now offer an additional plan option to include parents, parents-in-law and grandparents.
New in 2024:
$8.31 for associate-only coverage
Get started: Visit legalplans.com or call 800-821-6400
Managing finances can be stressful. That’s why Bread Financial offers an array of benefits and programs to boost your financial confidence and support your financial future.
Through the Employee Stock Purchase Plan (ESPP), you can purchase Bread Financial stock at a 15% discount with no holding requirements. Enrollment is twice annually (December and June).
Enroll or make adjustments at Fidelity by visiting the ESPP Breadquarters page.
Enrollment
Bread Financial is proud to offer benefits to help you handle life’s financial challenges. The company pays a large share of the cost for these benefits because we value the work you do. We want you and your family to have peace of mind knowing you're protected. Your share of the premium cost of benefits is deducted from your biweekly paycheck each pay period (26 total). Some deductions are pre-tax which increases your take-home pay. When enrolling a domestic partner, imputed income and after-tax deductions will apply.
2025 cost of coverage
Review coverage costs
Contact information
Legal notices
Life/AD&D/buy-up LTD
Most rates for these optional coverages are based on age, tier and salary. Please review your benefits cost for each coverage when you enroll online.
Please note: You'll be responsible for paying your health care premiums to ensure your coverage remains active while you’re on a leave of absence. Failure to keep your premiums current may result in benefits being terminated due to non-payment of premium.
$8.31 for Base plan (associate only)
Identity protection
Note: If you use an out-of-network provider, you’re responsible for any charges above the reasonable and customary limit. *Porcelain crowns and implants covered.
*Maximum Reimbursable Charge (MRC) applies to out-of-network charges for non-emergency services. When you receive out-of-network non-emergency medical care from a non-participating doctor or other health care professional, there’s a limit to the amount of money that will be reimbursed. **The HRA and PPO Plans include an individual out-of-pocket maximum within the family tiers. This means that for all tiers other than associate only, when any one individual family member reaches $8,500 for in-network claims, the plan pays for any claims over that amount for that individual family member. Once the total out-of-pocket maximum is met, then the plan will pay 100% of claims for all family members. For the HRA Plan, company contributions and out-of-pocket associate costs both count toward the in-network out-of-pocket maximum. Note: If you’re enrolled in an HRA or HSA Plan, your out-of-network claims apply to your in-network deductible and out-of-pocket maximums. If you’re enrolled in the PPO Plan, copays don’t apply toward your deductible, but do apply toward your out-of-pocket maximum.
Email mybenefits@breadfinancial.com with any questions you have for the Bread Financial Benefits team.
Questions about the enrollment process?
Bread Financial Benefits 800-260-7584 9 a.m.-7 p.m. ET (Monday-Friday) SSO to breadfinancialbenefits.ehr.com
Health care benefits questions?
Included Health 855-229-0828 (24/7/365) Visit Included Health
Ready to enroll?
There are two types of dependents you can cover:
Learn more about your medical, dental, and vision plans, HSA, FSAs and more ... go to the Virtual Benefits Fair.
Enroll in your benefits, and you’ll automatically be entered for a chance to win $50 in Pass It On points.
SSO to breadfinancialbenefits.ehr.com
Your spouse or qualifying domestic partner*
*Go to the enrollment site and read our Summary Plan Description (SPD) for more information about who qualifies as an eligible domestic partner.
Your children, including stepchildren and your qualifying domestic partner’s* children, up to age 26
When adding a new dependent to your benefits coverage during enrollment, you’ll need to submit documentation (e.g., birth or marriage certificate) for dependent verification within 60 days of enrollment.
Decide who to cover
Consider all your benefits
Last day to enroll is Thursday, Oct. 31 Don't delay, enroll today!
You can choose where your benefits communications from Bread Financial Benefits are sent – your work, home or an alternative email address. If no email preference is selected, it will default to your work email address.
Update your benefits communications preference
To make a change to your preferred email in the enrollment site home page, go to Profile > Personal Information > Email > Edit. If you don't have an alternate email listed in Workday, you'll need to add or change your email address. Go to Breadquarters > Tools & Resources > Workday > SSO to Workday to make changes.
NEW! Introducing the new Benefits and Leave Corner, a dedicated Teams channel available to all U.S. associates. This platform is your go-to resource for discovering valuable insights, tips and answers to frequently asked questions about Bread Financial’s benefits. Join the Benefits and Leave Corner now.
Benefits and Leave Corner
Benefits enrollment
800-260-7584
breadfinancialbenefits.ehr.com
Benefits
833-652-7323 (833-MLBREAD)
metlife.com/mybenefits
Musculoskeletal support
855-902-2777
hingehealth.com/breadfinancial
legalplans.com
Prescription drug
833-272-9887
caremark.com
Student loan repayment
866-719-3437
Candidly Breadquarters page
Virtual visits
800-877-7195
breadfinancial.vspforme.com
Diabetes/hypertension
800-945-4355
welcome.livongo.com/ breadfinancial
Disability – short term and long term
844-408-1626
mygrouplifedisability.aflac.com
Mental health support
855-629-0554
livingwell.springhealth.com
Financial wellness solution
408-933-6188
brightplan.com/enroll
800-789-2720
myAIP.com
Advocacy/provider match/virtual primary care/expert medical opinion
Fertility, adoption and surrogacy support
progyny.com/education
Critical illness/accident insurance/hospital indemnity insurance
877-236-7564
EBCR - Bread Financial (voya.com)
Life, accidental death and dismemberment (AD&D) and business travel accident (BTA) insurance
866-293-6047
securian.com
Vendor
Program
Website
Phone
Back-up care and elder care
Bright Horizons Breadquarters page
Health Savings Account (HSA), flexible spending account (FSA) and commuter accounts
800-953-5395
viabenefitsaccounts.com
Long-term care
855-558-1730
getltci.com/breadfinancial
Health Reimbursement Account (HRA) debit card
meritain.com
800-566-9305 option 5
855-922-9945
rps.troweprice.com
800-544-9354
netbenefits.fidelity.com
Contact Information
View the following required legal notices:
HIPAA Special Enrollment Rights explain your rights to enroll later if you’re declining medical coverage. Women’s Health and Cancer Rights Act summarizes the benefits available under your medical plan if you’ve had or are going to have a mastectomy. Notice of Privacy Practices explains how your health care plans protect your personal medical information. Marketplace Notice provides basic information about the Health Insurance Marketplace. It also includes information about the Bread Financial medical coverage that you’ll need when you apply for Marketplace coverage. Medicare Credible Coverage Notice explains Part D coverage for Medicare eligible associates. The Children’s Health Insurance Program (CHIP) provides health coverage to eligible children, through both Medicaid and separate CHIP programs. The notice lists the states that provide premium assistance. Surprise Billing Notice explains protection rights that patients have from unexpected medical bills that often occur when they receive care from out-of-network providers in emergency situations or at in-network facilities without their knowledge. Summaries of Benefits and Coverage (SBCs) summarize important information about your medical coverage options in a standard format to help you compare across options. When available, the Summaries of Benefits and Coverage (SBCs) can be found at Breadquarters > Benefits & Pay > FORMS, POLICIES & DOCUMENTS.
THIS GUIDE SERVES AS A SUMMARY OF MATERIAL MODIFICATIONS (“SMM”) FOR THE BENEFIT PROGRAMS OFFERED THROUGH THE BREAD FINANCIAL PAYMENTS, INC. MASTER WELFARE PLAN FOR SELF-INSURED BENEFITS, THE BREAD FINANCIAL PAYMENTS, INC. MASTER WELFARE PLAN FOR INSURED BENEFITS, AND THE BREAD FINANCIAL PAYMENTS, INC. CODE SECTION 125 PLAN (COLLECTIVELY, “THE PLAN”). PLEASE KEEP THIS SMM WITH OTHER IMPORTANT PLAN DOCUMENTS, INCLUDING THE SUMMARY PLAN DESCRIPTION (SPD). PLEASE SHARE THIS DOCUMENT WITH YOUR ELIGIBLE DEPENDENTS. WHILE WE HAVE MADE EVERY EFFORT TO ACCURATELY DESCRIBE THE TERMS OF YOUR BENEFIT PROGRAMS, IF THIS GUIDE DOES NOT ADDRESS AN ISSUE, NO INFERENCE SHOULD BE DRAWN FROM THAT OMISSION. UNDER THE PLAN, THE PLAN ADMINISTRATOR HAS THE AUTHORITY TO INTERPRET AND APPLY ALL PLAN PROVISIONS AND EXCLUSIONS AND DETERMINE ALL QUESTIONS ARISING IN CONNECTION WITH THE ADMINISTRATION, INTERPRETATION AND APPLICATIONS OF THE PLAN. BREAD FINANCIAL INTENDS TO CONTINUE YOUR BENEFITS PROGRAM INDEFINITELY, BUT RESERVES THE RIGHT TO AMEND, MODIFY, CHANGE OR TERMINATE ANY BENEFIT IN WHOLE OR IN PART AT ANY TIME, BOTH DURING AND AFTER YOUR EMPLOYMENT. THIS SMM, THE SPD OR YOUR ELIGIBILITY FOR OR PARTICIPATION IN ANY OF THE BENEFITS OF BREAD FINANCIAL DO NOT CONSTITUTE AN OFFER OR CONTRACT FOR CONTINUED EMPLOYMENT.
