2026 Flexible Spending Accounts (FSAs)

• Health Care FSA: For the taxable years beginning in 2026, the IRS maximum amount is $3,400. 
• Dependent Care FSA: These maximums will increase to $7,500 for married filing jointly, single or head of household OR $3,750 if married and filing separately in 2026.

401(k) Contributions
If you make $145,000+ in FICA wages in 2025, catch-up contributions in 2026 must be made to a Roth source.

Dental Plan

• For 2026, we are introducing Delta Dental of Missouri.
• Your Dental Plan benefits are staying the same; however, we are pleased to offer two network options to choose from. The Delta Dental PPO option will provide you with the biggest discounts. The Delta Dental Premier Network is the next best option when you can’t find a Delta Dental PPO dentist. While you can visit any licensed dentist, you’ll save money and avoid balance billing by staying in one of these two networks.
• Website: deltadentalmo.com.
• Phone number: 800.335.8266.
• Employee contributions are listed in your 2026 At-A-Glance Brochure.
• Dental Plan ID cards will be sent to your mailing address.

Life and Disability

• For 2026, our new carrier will be The Hartford.
• Plan details and rates for the voluntary, employee-paid coverage options are staying the same.
• If you need to file a disability claim, you will work directly with The Hartford. Here’s a flyer to get you started.
• Contact information
  • Websites
    • General information: thehartford.com
    • Employee portal (Disability claims): mybenefits.thehartford.com
  • Phone numbers
    • Life claims: 888.563.1124
    • Disability claims: 888.301.5615
  • During this year’s Open Enrollment period, eligible employees may elect voluntary life insurance coverage up to the guaranteed issue amount without providing Evidence of Insurability (EOI).

Hospital Indemnity Insurance

• For 2026, two new events will be covered under this plan.
  • Hospital Observation Stay:
    • $100 per day
    • One benefit(s) for each 24-hour period or pro-rata period of observation
    • 12-hour elimination period, limited to 72 hours
  • Newborn Nursery Care Stay:
    • $100 per day
    • One benefit per newborn child
    • This benefit is payable to the employee even if child coverage is not elected
    • Limited to 30 days
  • This plan pays a benefit directly to you when you or your covered dependents are admitted to the hospital for a covered stay.

New Hire Enrollment
As a new employee, you are eligible for coverage on your first day of employment. You must enroll in benefits within 30 days of your date of hire.

Open Enrollment
Open Enrollment is your opportunity to review your current benefits and make benefits changes for the upcoming plan year. During Open Enrollment, you can add, change or decline coverage. In addition, you can add and/or drop dependents during this time. Keep in mind that any dependent you add will need to go through a dependent audit verification process.

Qualified Life Event
Once you make your elections, you will not be able to make changes until the next Open Enrollment period unless you experience a Qualified Life Event. A Qualified Life Event (QLE) is a change in your personal life that may impact your eligibility or dependent’s eligibility for benefits. Examples of some qualified events include the following.

• Change of legal marital status (e.g., marriage, divorce, death of spouse, legal separation)
• Change in number of dependents (e.g., birth, adoption, death of dependent, ineligibility due to age)
• Change in employment or job status (loss of other coverage or other coverage offered).

If your spouse works full time and is offered benefits at his or her own employer, your spouse must elect coverage through that employer. If your spouse later loses eligibility under his or her employer’s plan, this is considered a qualified event, and he or she would be eligible to enroll in the Nidec Plan as long as an application is made within 30 days of the loss of coverage.

Please note: If your spouse is offered coverage at their own employer but you choose to cover them on a Nidec Plan, a spouse surcharge fee applies. If you have questions, please contact the Nidec Benefits Center.

Eligible Employees
You may enroll in the benefits program if you are a regular full-time employee who is actively working a minimum of 30 hours per week.

Eligible Dependents
Eligible dependents generally include your legally married spouse and children up to age 26. Children may include natural, adopted, stepchildren or children obtained through court-appointed legal guardianship.

Social Security Number (SSN) Required
You must provide a valid SSN for yourself and each enrolled dependent. Employers are required to provide names and SSNs to the federal government for each individual enrolled for medical coverage. Please ensure SSNs are correct when entering them for yourself and dependents.

Refer to your 2026 Benefits At-A-Glance for details about your benefits options for 2026.

• Review the 2026 plan options listed in your At-A-Glance brochure.
• Review the resources listed below to help you make decisions.
• Log in to Workday during the Open Enrollment period from  Nov. 3–17, 2025.
• Enroll and submit your 2026 benefits by the deadline of Nov. 17, 2025.
• Remember—you will not have another opportunity to change benefits in 2026 unless you experience a Qualified Life Event.
• Make sure your contact and beneficiary information is up to date.
• Confirm your Open Enrollment changes by reviewing your elections via your Open Enrollment window available to you in your Workday inbox and clicking “I Agree” and “Submit“ on the last summary screen.

This year’s enrollment is a passive enrollment. This means if you do nothing, you will be automatically reenrolled in the coverage choices you had in 2025 for medical, dental, vision, life and disability benefits. However, if you wish to contribute to either a Health Care Flexible Spending Account (FSA) or a Dependent Care FSA in 2026, you will need to make those elections during the Open Enrollment period. These accounts do not roll over.