Caliber Benefits and Resources

For those impacted by recent events, we understand this is a difficult time and you probably have a lot of questions. Here’s a list of resources to help you determine what to do next in the current climate.

Trusted Information Sites for COVID-19 Updates

Stay up to date on developments from health authorities on the COVID-19 pandemic and how you and your family can stay safe:

Centers for Disease Control | World Health Organization

Relief for Americans

Federal Income Tax Relief

The federal government has passed relief measures, including taxpayer relief (for example, extending your federal tax filing date to July 15th and stimulus payment checks)

Stay up to date on all developments by visiting this dedicated IRS Coronavirus site.

Federal Student Loan Debt Relief

If you have federal student loan debt held by the US Department of Education, Borrowers will be allowed to put their student loan payments on hold for the next 6 months without interest accrual on the outstanding loan balance(s) (through 9/30/2020). This legislation has no effect on student debt held by private lenders (example: loans which have been refinanced).

General Benefits Finder

Visit to find benefits you may qualify for. You can browse by state or category or even take the benefit finder questionnaire to determine what programs may be available for you.

Food Stamps (SNAP Food Benefits)

Visit to learn about eligibility and the application process for the SNAP program.

Benefit Resources for Caliber Teammates

You can find information on all of our Caliber teammate benefits by visiting My Caliber Benefits.

If you are an active teammate participant in one of our benefit plans, here is information on how to get help with benefit questions:

For BCBS participants, contact your Quantum Care Coordinators at 844-213-9961 (7:30 am to 9 pm CT Mon-Fri) or online at Caliber Collision Health.

* Note that this online option is only available to active teammate participants. You can register for access to your BCBS-IL information at BCBSIL.

For Kaiser participants, contact Kaiser at 800-464-4000 (hours vary by state) or online at Kaiser Permanente.

For benefit enrollment issues (need to enroll, want to review your benefit options, change your voluntary benefits) or to directly access our benefit administration platform with Empyrean, you can call 844-347-8941 (7 am to 7 pm CT M-F) or go online to Compass Empyrean.

*Note that the online option with Empyrean is only available to current participants.

If you are not an active teammate participant and have a question about COBRA coverage, you can contact our COBRA Administrator at 833-874-1600 (7 a.m. to 7 p.m. CT Mon-Fri) or online at (you will need to register or log in to access this site).

If you are looking for alternatives to COBRA continuation coverage under Caliber’s plans, you have options! Explore your options with Mercer Marketplace 365+, by calling 800.713.2859 or online at Mercer Marketplace. Click here to see their brochure.

Our Pharmacy Benefit Manager, OptumRX, can be reached at 844-813-7273 (24/7) or online at Optum RX.

COVID Symptoms and Testing Options if you do Not Have Insurance

Testing for COVID for teammates on one of Caliber’s medical plans is being provided at $0 co-pay and out of pocket.

If you are uninsured, we are recommending you utilize telemedicine If you are on a Caliber medical plan, you can contact one of our telemedicine providers. You can call Premise Health at (844) 737-0893; there is a charge for telehealth services. You can also call the free Corvel helpline at (855) 283-2710 which is available 24/7. If you are having a medical emergency, please call 911.

You may also want to reach out to your local/county health department, who may have testing or other resources available at no or low cost.

You can also go online to the Health Resources and Services Administration (a U.S. government agency) to find potential low or no-cost assistance that may be available near you.

As a reminder, Medicare and Medicaid are covering tests at no cost, if the teammate is Medicaid eligible.

Purchasing Power

If you used Purchasing Power and your employment with Caliber ends (and so your payroll deductions will end), you have these available options:

Pay off the balance online through Purchasing Power online site

Continue the payment schedule with another form of payment

Apply for Hardship to create a payment plan that works best for the customer

The Purchasing Power Customer Care team is available to walk you through these options. They can be reached at 888-923-6236.

Emotional Wellbeing & Work-Life Balance Resources

At some point in our lives, each of us faces a problem or situation that is difficult to resolve. These can include anxiety, depression, marriage & relationship problems, grief & loss, substance abuse and help learning how to manage your finances. Caliber provides access to SupportLinc, a no-cost, confidential resource that helps you and your family deal with these challenges. Contact SupportLinc by calling 888-903-0633 (24/7), texting ‘SUPPORT’ to 51230, or online at (Username: caliber).

Resources for Mental Well-Being

If you have health insurance

Check your policy to see what’s covered — your insurance company can give you a list of providers who take your plan.

If you don't have health insurance

Look into Open Path Collective, where therapists offer sessions for between $30 and $60. That's a pretty typical copay for insured patients.

If you have Medicare

Coverage now includes three types of virtual services: telehealth visits, virtual check-ins and e-visits.

If you’re into texting

There are apps specifically designed for online therapy that use text and video messaging. Check out: BetterHelp, Talkspace and Larkr.

If you’re looking for a support group

They’re moving online right now. One of the more well-known ones is Alcoholics Anonymous. They've been using Zoom, Google Hangout[s] and conference calls to keep their members coming to meetings. You can also look for support groups in your area here.

If you need to talk to someone ASAP or don’t have Wifi

The Department of Health and Human Services has the National Helpline. Integral Care runs an emotional support helpline with 15 languages.

Other Online Resources for Mental Well-Being

You can find a wealth of information on mental well-being resources and assistance

The National Alliance on Mental Illness (NAMI) provides online education and support, crisis support and connections to local resources who can help with all types of mental health issues, including stress and anxiety related to the COVID-19 pandemic. You can connect with them at

Steps You Can Take If Having a Hard Time Paying Bills

Reach out to your creditor, lenders and other billers as soon as possible and explain your current situation and ask for assistance. If your lender or creditor is requesting a letter from Caliber, send an email request to with your request.

Many large banks and utility companies have already announced programs to help individuals affected by the COVID-19 pandemic.

You may qualify for a payment extension, a payment plan or waived/reduced fees.

If you have a federal student loan, see the section above on Federal Student Loan Debt Relief; if your student loan is held by a private loan servicer, call as soon as possible to ask for assistance.

Connect with Your Local Social Care Network is an online resource that connects people with thousands of nonprofits and social care providers that serve their communities. helps connect you with food assistance, paying bills, and other free or reduced cost programs. Go to to start your search for the support you need.

Information on How to Protect Yourself Financially from the Impact of COVID-19

The Consumer Financial Protection Bureau (CFPB) has resources available for you online at

401(k) Plan Information and Resources

Participants in Caliber’s 401(k) Plan who may be experiencing a financial hardship can access the vested portion of their 401(k) funds through hardship loans. Effective April 3, 2020, teammates who may already have an existing loan may obtain a 2nd loan from the 401(k) if needed. We strongly recommend teammates access their 401(k) funds only as a last resort after exploring other financial options.

Under the recently passed CARES Act, plan participants are now eligible to access their 401(k) plan funds for COVID-19-related financial issues, through either loans or distributions, with increased limits and longer repayment timeframes. Here’s more information on those changes:

Changes in Loan Provisions

Ability to Take a Second “General Purpose” Loan. Effective April 1st, 2020, we have amended our Plan to allow you to take a second general purpose loan from the Plan. Until now, participants could only have one active general purpose loan at a time. General purpose loans are still subject to a $1K minimum/$50K maximum, up to 50% of your vested account balance.

“Coronavirus-Related Loan”. In addition to the available general purpose loan, we have adopted the changes included in the recently-passed Coronavirus Aid, Relief, and Economic Security Act (H.R. 748) (CARES Act), a part of the federal stimulus package, which temporarily allows “qualified individuals” to borrow up to the lesser of $100,000 or 100% of their vested account balance. A “qualified individual” means a) the participant, or his or her spouse or dependent, is diagnosed with COVID-19 (by a test approved by the CDC) or b) the participant has experienced “adverse financial consequences” due to a quarantine, furlough, lay-off, reduction in work hours, business closures, being unable to work due to lack of child care, or other reasons as the Treasury Department may determine. We will rely on the participant’s self-certification that he or she meets this eligibility requirement (no documentation is required). These loan types are available now.

As a reminder, participants can still access a hardship loan.

Extension of Loan Due Dates. Under the CARES Act, for any plan loan with a due date between the date the CARES Act was enacted March 27, 2020, and December 31, 2020, the participant can extend the due date for up to one year. The remaining payments, plus applicable interest, will be re-amortized over the extended period.

Change in Penalty-Free Distributions

Penalty-Free Coronavirus-Related Distributions in 2020. In addition to the loan changes above, we have adopted provisions contained in the CARES Act that allow an “eligible participant” who is under the age of 59½ to take a coronavirus-related distribution of up to 100% of their vested balance, not to exceed $100,000 in 2020. The coronavirus-related distribution is not subject to the usual 10% early withdrawal penalty nor the 20% mandatory withholding. Please note that the distribution is still includable in gross income An “eligible participant” means a) the participant, or his or her spouse or dependent, is diagnosed with COVID-19 (by a test approved by the CDC) or b) the participant has experienced “adverse financial consequences” due to a quarantine, furlough, lay-off, reduction in work hours, business closures, being unable to work due to lack of child care, or other reasons as the Treasury Department may determine. We will rely on the participant’s self-certification that he or she meets this eligibility requirement (no documentation is required). Participants will have three (3) years to repay these distributions to an eligible retirement plan, with the repayment being treated as a rollover contribution. These distributions are available now.

You can contact TransAmerica by calling 800-755-5801 (8 am to 11 pm ET Mon-Fri) or online at TransAmerica.

State Unemployment Benefit Resources

If you are impacted by loss of employment, you can file for state unemployment benefits. Enhanced unemployment benefits are being provided under the recently passed CARES Act. Contact your state unemployment department for information on how you can take advantage of these. The CARES Act provides an additional $600 per week benefit in addition to the base weekly rate (which varies by state).

You can find your state’s unemployment website here.

You can find your state’s unemployment ID here.

Unemployment Identity Theft

States have experienced a surge in fraudulent unemployment claims filed by organized crime rings using stolen identities that were accessed or purchased from past data breaches, the majority of which occurred in previous years and involved larger criminal efforts unrelated to unemployment. Criminals are using these stolen identities to fraudulently collect benefits across multiple states.

Most victims of unemployment identity theft are unaware that claims have been filed and/or that benefits have been collected using their identities. Many people only find out unemployment identity theft occurred when they receive something in the mail, such as a payment or state issued 1099-G tax form that’s incorrect or for benefits not received.

Learn more about unemployment identity theft and what to do if you are a victim by going to

State-Specific Guides: Partial Unemployment Benefits for Reduced Hours/Income

We have put together state-specific guides for applying for unemployment benefits, including partial unemployment. Partial unemployment may be available to you if your hours or income have been impacted due to the current COVID pandemic. Choose your state below:








New Jersey

New York

North Carolina





Job Search Assistance

Even with the economic impact of COVID-19, certain employers (Amazon, grocery stores, pharmacies, etc.) are increasing their hiring. Here are direct links to available job resources:

Indeed | LinkedIn | Amazon | Amazon Delivery Service Providers | CVS | Kroger | Advantage Solutions (staffs retail merchandising and in-store support)

Kelly Services is also maintaining a website for currently trending job opportunities. You can find it here

Financial Assistance for Teammates in Need: Caliber Catastrophe Relief Program

We have been fortunate to have been able to distribute more than $3M to more than 2,600 current and former teammates to assist with short term financial hardships due to the current COVID pandemic, which was funded by generous donations from individuals and our owner groups. Because we have exhausted the initial round of funding for our Caliber Catastrophe Relief Program, we are suspending applications temporarily while we seek additional funding. We will notify you when the Program is once again accepting applications. In the meantime, see information on other available financial assistance on this site. We appreciate everything you do.

How You Can Give to Help Other Teammates

If you are a teammate interested in donating to the Caliber Foundation Catastrophe Relief Program, you can do so at Caliber Donations and selecting Option 01 – Catastrophe Relief Program.

We will provide regular updates to our Caliber family on the activities of the Catastrophe Relief Program.

Pay Statements, W-2s and 1095s

You can access your pay statements, W-2s and 1095s directly from ADP online at My.ADP.Com or by downloading the ADP Mobile App from the App Store or Google Play. If you already have an ADP User ID, you can log in using the same log-in credentials you already have. If you are a new user on My.ADP.Com, you can click “Register Now” and use the Caliber registration code CALIBERCOL-92614 and follow the instructions; in the ADP Mobile App, tap “New? Get Started” at the bottom of the screen.

Requests for Letters

If you have experienced a financial impact and need a letter from Caliber for your landlord, mortgage company, bank or other institution, please email your request with all relevant information to