As shown on the chart, the ALA pays for some of your benefits and you share the cost for others. The costs of all voluntary benefits are paid by you.
| BENEFIT | TAX TREATMENT | WHO PAYS |
|---|---|---|
| Medical and Prescription Drug | Pre-tax | ALA & You |
| Voluntary Accident Insurance | After-tax | You |
| Voluntary Critical Illness Insurance | After-tax | You |
| Voluntary Hospital Indemnity Insurance | After-tax | You |
| Health Savings Account (HSA) | Pre-tax | You |
| Flexible Spending Accounts (FSA) | Pre-tax | You |
| Dental | Pre-tax | ALA & You |
| Vision | Pre-tax | ALA & You |
| Basic Life and Accidental Death & Dismemberment (AD&D) Insurance | After-tax | ALA |
| Supplemental Life and AD&D Insurance | After-tax | You |
| Voluntary Short-Term Disability | After-tax | You |
| Long-Term Disability | Pre-tax or After-tax | ALA* |
| Commuter Benefits | Pre-tax | You |
| 401(k) Retirement Plan | Pre-tax or Roth | ALA & You |
| Voluntary Legal Services Plan | After-tax | You |
* If you choose to pay taxes on the value of the premium that ALA pays on your behalf, any benefit payments you receive would be tax free. See Long-Term Disability for more information.