Financial Wellness
Your financial well-being is a key part of your overall health—and we’re here to help you feel confident and supported. Explore the highlights of your financial wellness benefits, including tools, resources, and programs designed to help you manage money, plan for the future, and achieve your goals.
Review the Benefits Guide for complete details.
Income Protection
Short-Term Disability (STD) and Long-Term Disability (LTD)
If financial stress is tied to loss of income due to illness or injury that impacts your ability to work, STD and LTD can provide partial income while you recover. STD and LTD eligibility are based on employment status and Comfort Systems USA tenure.
Reach out to your local HR department for more information or to start the disability claim process.
Supplemental Benefits
Accident, Critical Illness, and Hospital Indemnity
Voluntary insurance plans provide cash benefits to help cover unexpected health events for you or your family. These insurance policies are supplemental to your health insurance plan. You do not need to be enrolled in a Comfort Systems USA health insurance plan to enroll in coverage.
Purchase coverage for yourself, your spouse, or your child under these supplemental plans:
- Accident — Covers injuries, hospital stays, ambulance, surgery, and more
- Critical Illness — Covers serious conditions like heart attack, cancer, stroke, and more
- Hospital Indemnity — Covers hospital stays, rehab, and critical care
Survivor Benefits
Life Insurance and Accidental Death and Dismemberment (AD&D)
Provides cash benefits to you or your family in the event of a death:
- Basic Life and AD&D Insurance — Provided at no cost to all full-time employees by Comfort Systems USA.
- Voluntary Life and AD&D Insurance — Coverage or additional coverage available to purchase for you, your spouse, or your child.
401(k) and Financial Planning
401(k) Plan and Company Match
Facing financial concerns? Comfort Systems USA’s 401(k) plan, administered by Empower®, helps you build long-term security with pre-tax savings, employer contributions, and investment options — so you can plan confidently for the future, even during uncertain times.
Key benefits:
- Company Match — Get 50¢ for every $1 you contribute, up to 5% of your pay. That’s a total of 2.5% of free money toward your retirement savings.
- Flexible Contributions — Choose traditional pre-tax or Roth after-tax options based on your financial goals.
- Catch-Up Contributions — If you’re age 50 or older, you can contribute more annually to accelerate your savings.
- Investment Tools and Resources ¬— Access budgeting help and retirement planning through empowermyretirement.com.
Financial Planning
Lincoln WellnessPATH® is a digital tool that helps you manage debt, build savings, and plan for retirement with personalized, goal-based guidance to guide you.
- Personalized financial planning tools and resources.
- Interactive dashboards to track goals like saving, budgeting, and paying off debt.
- Educational content on topics such as retirement, credit, and emergency funds.
- Step-by-step guidance to improve financial decision-making and build confidence.
Employee Assistance Program (EAP)
The EAP provides confidential expert guidance to employees to make informed financial decisions and build a secure future.
Provides free consultations for:
- Retirement savings
- Debt counseling and credit management
- Budgeting and financial planning
- Foreclosure, bankruptcy, or collections
- Tax issues and more
Other Benefits
Dependent Care Flexible Spending Account (DCFSA)
A DCFSA lets you set aside up to $5,000 in pre-tax funds for child or elder care, lowering your taxable income while covering care costs.
Covered expenses include:
- Licensed daycare and before/after-school care
- Day camps
- In-home babysitting (non-dependent provider)
- Elder care for dependents unable to care for themselves
Pet Insurance
Pets are family too! Pet insurance helps you manage unexpected vet bills and routine care costs.
Plans typically cover:
- Accidents and illnesses
- Preventive care like vaccinations and dental cleanings
- Flexible coverage options for dogs and cats
Beneficiary Assist Program
Comfort Systems USA offers no-cost support through Lincoln LifeKeys® to help you navigate grief, finances, and legal matters after the loss of a loved one.
- Free, confidential help for beneficiaries of Group Life or Accident plans
- 24/7 phone support for grief, financial, and legal concerns (up to one-year post-claim approval)
- Personalized action planning and referrals for ongoing support
- Face-to-face or virtual counseling sessions available
Medicare Transition Services
Are you or your aging parents approaching Medicare eligibility? SmartConnect provides guidance to help you make a smooth transition. Whether you’re nearing age 65 or planning for retirement, you’ll receive support to understand:
- When and how to enroll in Medicare
- How your company benefits coordinate with Medicare
- Coverage comparisons and cost considerations
- Resources to avoid gaps in care or coverage
