136 Customer Service Roles jobs in Black Creek
Customer Service Representative - Inside Sales Customer Support
Posted today
Job Viewed
Job Description
Miller Electric is about building things that matter. As part of the Inside Sales Solutions team, you become an important part of how people build, repair and create to make this a better, brighter world. This role will provide a challenging and rewarding work environment where you will create a positive experience for our customers through problem solving and fulfilling their needs. This position will be a part of our machine sales team and will also support the inside sales support initiative.
If you have a positive and enthusiastic attitude, as well as a passion for delivering a best-in-class customer experience, then this might be the job for you!
**_The location for this position is Appleton, WI._**
**How you will Make an Impact:**
**Facilitate the needs of our distributors, field sales team, warehouses, and divisions including but not limited to order entry, expediting, quotes, and returns**
**Recommend the proper welding process and products over the phone or through email with distributors and end user customers. Should possess or be willing and able to learn welding processes, welding equipment or having an electro mechanical background**
**Inside sales support, which includes processing sales-related requests from the ITW Sales team and working with distributors on quoting, building packages, pricing, and lead times**
**Manage 20+ inbound calls per day assisting distributors and the Miller sales team with product and/or account assistance**
**Responsible for data entry, including but not limited to, order entry and account management**
**Review and respond to time sensitive emails**
**Timely back-order review with communication regarding updates to distributors and the sales team**
**Work well within the customer support team to identify improvement, projects, scheduling rotation, vacations, and share information learned from internal divisions and customers**
**Will be expected to perform additional duties as needed**
**Minimum Qualifications:**
**Demonstrate a desire to continue to grow professionally through experiences, exposure, and focused training and/or schooling**
**Must have a positive and enthusiastic attitude, while being self-motivated, with a desire to help the customer**
**CRM knowledge is preferred. Demonstrated ability to learn new software systems**
**Proficiency with the Microsoft Office and Email systems such as Outlook, with a high level of comfort in moving between multiple information systems**
**Ability to make sound customer-oriented decisions in a fast-paced environment with the ability to multi-task**
**Excellent verbal and written communication skills, with the ability to compose professional emails**
**Ability to build and maintain strong relationships with internal and external customers**
**Preferred Qualifications:**
**Minimum of two years working in an inside sales or account management environment**
**Product knowledge and basic understanding of welding features**
**Company Description**
Comprised of a market-leading portfolio of best-in-class brands, the businesses of ITW Welding work together to provide premium performance delivered through a breadth of solutions encompassing welding, cutting, consumables, and accessories. ITW Welding North America represents Miller Electric Welding Equipment, Safety & Accessories, Hobart Filler Metals, and Bernard / Tregaskiss MIG Guns.
Miller Electric Mfg. LLC, is headquartered in Appleton, Wisconsin, and wholly owned by Illinois Tool Works (NYSE: ITW). The company maintains its industry leadership by setting the standard for reliability, quality and responsiveness. Our tagline, "The Power of Blue®," is inspired by the blue color of Miller equipment.
The company began with an innovation that responded to customer needs, growing from a one-man operation in 1929, to the world's largest manufacturer of arc welding products. Miller keeps the tradition alive by focusing on its top priority: people.
**Additional Information**
ITW Welding is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, or protected Veteran status, age, or any other characteristic protected by law.
**Why ITW Welding?**
Here's what we offer to help you build the future you want:
**Generous Retirement Benefits -** **401(k) match PLUS an additional retirement contribution to help you plan for the future.**
**Paid Time Off -** **11 paid holidays, 5 sick days, and vacation time to take time for what matters.**
**Company-Paid Insurance -** **Life, AD&D, Short-Term & Long-Term Disability insurance to give you peace of mind.**
**Family-Friendly Benefits -** **4 weeks of paid parental leave and adoption reimbursement to support your family journey.**
**Education Assistance -** **tuition reimbursement because we believe in investing in your personal and professional development.**
At ITW Welding, we're not just a place to work - we're a community that empowers you to grow and make a real impact. Join us and build a career that makes a difference!
_ITW is an equal opportunity employer. We value our colleagues' unique perspectives, experiences and ideas and create workplaces where everyone can develop their careers and perform to their full potential._
_As an equal employment opportunity employer, ITW is committed to equal employment opportunity and fair treatment for employees, beginning with the hiring process and continuing through all aspects of the employment relationship._
_All qualified applicants will receive consideration for employment without regard to race, color, sex, gender identity, sexual orientation, religion, national origin, age, disability, protected Veteran status or any other characteristic protected by applicable federal, state, or local laws._
Customer Service Representative
Posted 4 days ago
Job Viewed
Job Description
As a Customer Service Representative, you will serve as a key contact and liaison for customers to ensure their total satisfaction. You will interact with customers on an ongoing basis, entering orders, handling requests and providing support needed in a timely, professional and courteous manner.
**In this role you will:**
+ Ensure every customer experience is top notch in quality
+ Handle incoming and outgoing customer calls and written correspondence in a professional, timely manner, ensuring follow up on all customer issues
+ Take an active role in selling Graybar goods and services on inbound calls
+ Provide support on product selection and application
+ Coordinate customer service requests including order entry, pricing, expediting, billing, order maintenance, credit and claims
**Skills & Requirements**
+ Strong communication skills
+ Ability to handle a variety of customer situations with enthusiasm and tact
+ Some retail or counter sales experience preferred
+ High School education
+ 2 year or 4 year degree preferred
**Work Shift and Hours:** Monday - Friday, 8:00am - 5:00pm
**Compensation Details:** The expected pay rate for this position is starting at $20.00 per hour, depending on experience.
**The** **Value of Graybar:**
At Graybar, we are known for our comprehensive benefits and our employee stock ownership plan! Most regular, full-time employees at Graybar may be eligible for a variety of benefits like:
+ Multiple plan options for **Medical, Dental, Vision,** and **Prescription Drug** benefits.
+ **Life Insurance** coverage for you and options for your family.
+ Save on expenses with **Flexible Spending Accounts** .
+ Enjoy our **Disability Benefits** at no cost to you.
+ Share in our success with P **rofit Sharing Plans** .
+ **401(k) Savings Plan** with company match to help secure your future.
+ **Paid Vacation** & **Sick Days** to spend time away from work or in case of an illness.
+ Rest and recharge during our **Paid Holidays** throughout the year.
+ Take advantage of our **Paid Wellness Day** to focus on preventive care and prioritize your health.
+ Volunteer with **Community Time Off** to give back to the community.
+ **Predictable Work Schedules** to plan your life: no weekends or nights for most roles.
+ Celebrate your and others' achievements with our **Employee Recognition Program** .
+ Reach your career goals with our **Educational Reimbursement** and **Career Development Programs** .
+ And **More Perks** that support your well-being and career growth.
Benefit eligibility may vary across locations and roles, so be sure to check in with your recruiter for more information.
**Why should you join Graybar?**
At Graybar, our employees are the heart and soul of our company. We believe that employees with diverse perspectives bring the ideas and innovative thinking we need to solve our biggest challenges and compete in an ever-changing world. Consistent with our values, we welcome people from all backgrounds, cultures and experiences into our company because we believe it's the right thing to do and the right way to run our business.
We want each of our employees to know that they matter and to feel a sense of belonging, ownership and inclusion at Graybar. We believe that everyone should be treated with dignity and respect, and we work to build a collaborative environment where our employees have the opportunity to grow, learn and make a difference, both as individuals and as part of the team.
That's what our employee ownership culture is all about: working as one team and moving forward together, while honoring the unique value each person brings to our company.
**Apply now and find out what's next for you.**
Equal Opportunity Employer/Vet/Disabled
**_Not the right fit? Let us know you're interested in a future opportunity by clicking Introduce Yourself in the top-right corner of the page or create an account to set up email alerts as new job postings become available that meet your interest!_**
Customer Service Representative
Posted 15 days ago
Job Viewed
Job Description
**Job Summary:**
Join our dynamic team at as a Customer Service Representative! In this role, you will play a vital part in ensuring our customers receive exceptional service and support. You will proactively manage timelines for material setup, respond to customer inquiries, and facilitate order processing, all while fostering strong relationships with our clients. If you have a passion for customer service and are looking to grow your career in a supportive environment, this is the perfect opportunity for you!
**Job Specifications:**
- **Job Type:** Full-Time
- **Location:** Appleton, WI
- **Pay Rate:** $18/HR
- **Shift:** 8:00AM to 5:00PM
**Roles and Responsibilities:**
- Ensure timely customer-specific material setup and manage proofing and material validation timelines.
- Process material specification changes and submit project changes through internal systems.
- Manage order entry and proactively monitor order timelines for assigned accounts.
- Advise stakeholders of potential lead time challenges on open projects and orders.
- Address customer complaints and implement appropriate corrective actions.
- Support pricing requests and monitor product inventory for availability.
- Prepare purchase orders for outside materials and review required business reports.
- Assist in leveling the team's overall workload and share best practices.
- Contribute to continuous improvement initiatives and demonstrate knowledge of Menasha's products.
**Qualifications & Skills:**
- High school diploma or equivalent required.
- Minimum of 2 years of relevant experience in customer service.
- Preferred experience in the display, graphic, and/or contract packaging industry.
- Proficiency in ERP platforms and Microsoft Excel and SharePoint.
- Ability to design and implement effective CRM business processes.
- Strong knowledge of customer support functions and effective communication strategies.
-Strong Excel skills required
As part of our promise to talent, Kelly supports those who work with us through a variety of benefits, perks, and work-related resources. Kelly offers eligible employees voluntary benefit plans including medical, dental, vision, telemedicine, term life, whole life, accident insurance, critical illness, a legal plan, and short-term disability. As a Kelly employee, you will have access to a retirement savings plan, service bonus and holiday pay plans (earn up to eight paid holidays per benefit year), and a transit spending account. In addition, employees are entitled to earn paid sick leave under the applicable state or local plan. Click here ( for more information on benefits and perks that may be available to you as a member of the Kelly Talent Community.
Get a complete career fit with Kelly ® .
You're looking to keep your career moving onward and upward, and we're here to help you do just that. Our staffing experts connect you with top companies for opportunities where you can learn, grow, and thrive. Jobs that fit your skills and experience, and most importantly, fit right on your path of where you want to go in your career.
About Kelly
Work changes everything. And at Kelly, we're obsessed with where it can take you. To us, it's about more than simply accepting your next job opportunity. It's the fuel that powers every next step of your life. It's the ripple effect that changes and improves everything for your family, your community, and the world. Which is why, here at Kelly, we are dedicated to providing you with limitless opportunities to enrich your life-just ask the 300,000 people we employ each year.
Kelly is committed to providing equal employment opportunities to all qualified employees and applicants regardless of race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, age, marital status, pregnancy, genetic information, or any other legally protected status, and we take affirmative action to recruit, employ, and advance qualified individuals with disabilities and protected veterans in the workforce. Requests for accommodation related to our application process can be directed to the Kelly Human Resource Knowledge Center. Kelly complies with the requirements of California's state and local Fair Chance laws. A conviction does not automatically bar individuals from employment. Kelly participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.
Kelly Services is proud to be an Equal Employment Opportunity and Affirmative Action employer. We welcome, value, and embrace diversity at all levels and are committed to building a team that is inclusive of a variety of backgrounds, communities, perspectives, and abilities. At Kelly, we believe that the more inclusive we are, the better services we can provide. Requests for accommodation related to our application process can be directed to Kelly's Human Resource Knowledge Center. Kelly complies with the requirements of California's state and local Fair Chance laws. A conviction does not automatically bar individuals from employment.
CASHIER / CUSTOMER SERVICE REPRESENTATIVE
Posted today
Job Viewed
Job Description
True North's mission is to be our communities' first choice for premier fuel and convenience retail. We are committed to continuously improving our guests' experience through growth, quality operations and development of people.
What you do
- Treat every guest like they are the most important person in the store
- Greet all guests with a smile and a genuine thank you when they leave
- Take pride in the store's appearance by following our "True North Ready" standards
- Promote our great deals and specials to each guest
- Live the "Because We Care" motto by always selling age restricted items responsibly
- Ensure the store is fully stocked and help guests find what they need
- Provide our guests with a "Fast, Friendly, Clean" experience each time they visit
What you need
- Positive and enthusiastic attitude
- Willingness to engage guests with friendly conversation and communicate clearly with guests and co-workers
- Desire to work as part of a team to deliver on our service promise of "Fast, Friendly, Clean"
- Ability to count products and make change, as well as read and write English clearly
- Ability to access all areas of the store and handle merchandise weighing up to 50 pounds
- Multitask and balance duties while always making guests the number one priority
What we provide
- Flexible shifts and a variety of schedules
- PAID Training programs to ensure you are successful and have what you need to be a star
- Advancement opportunities
- Ongoing training and development
- A challenging and exciting work environment where guest service is #1
- 401K with Company match *
- Paid vacation*
- Fixed-Benefit Medical and Dental plan available
- Free minimum essential coverage as required by the Affordable Care Act, after 1 year of employment*
*Eligibility requirements must be met
All applicants must be 18 years of age or older (some locations may require 21 years of age or older due to tobacco or alcohol sales) and will be subject to a pre-employment background check at our expense. True North, considers applicants for all positions without regard to race, color, religion, creed, gender, national origin, age, disability, marital or veteran status, sexual orientation, or any other legally protected status. True North is a veteran-friendly and equal opportunity employer.
Our Core Values
Operate with the highest level of integrity by being honest and fair.
Incorporate excellence in all that we do.
Embrace diversity by respecting the rights and dignity of all people.
Provide for the health and safety of our guests, team and environment.
Reinvest in the communities we serve.
Recognize that profitability is essential to our future success.
CASHIER / CUSTOMER SERVICE REPRESENTATIVE
Posted today
Job Viewed
Job Description
True North's mission is to be our communities' first choice for premier fuel and convenience retail. We are committed to continuously improving our guests' experience through growth, quality operations and development of people.
What you do
- Treat every guest like they are the most important person in the store
- Greet all guests with a smile and a genuine thank you when they leave
- Take pride in the store's appearance by following our "True North Ready" standards
- Promote our great deals and specials to each guest
- Live the "Because We Care" motto by always selling age restricted items responsibly
- Ensure the store is fully stocked and help guests find what they need
- Provide our guests with a "Fast, Friendly, Clean" experience each time they visit
What you need
- Positive and enthusiastic attitude
- Willingness to engage guests with friendly conversation and communicate clearly with guests and co-workers
- Desire to work as part of a team to deliver on our service promise of "Fast, Friendly, Clean"
- Ability to count products and make change, as well as read and write English clearly
- Ability to access all areas of the store and handle merchandise weighing up to 50 pounds
- Multitask and balance duties while always making guests the number one priority
What we provide
- Flexible shifts and a variety of schedules
- PAID Training programs to ensure you are successful and have what you need to be a star
- Advancement opportunities
- Ongoing training and development
- A challenging and exciting work environment where guest service is #1
- 401K with Company match *
- Paid vacation*
- Fixed-Benefit Medical and Dental plan available
- Free minimum essential coverage as required by the Affordable Care Act, after 1 year of employment*
*Eligibility requirements must be met
All applicants must be 18 years of age or older (some locations may require 21 years of age or older due to tobacco or alcohol sales) and will be subject to a pre-employment background check at our expense. True North, considers applicants for all positions without regard to race, color, religion, creed, gender, national origin, age, disability, marital or veteran status, sexual orientation, or any other legally protected status. True North is a veteran-friendly and equal opportunity employer.
Our Core Values
Operate with the highest level of integrity by being honest and fair.
Incorporate excellence in all that we do.
Embrace diversity by respecting the rights and dignity of all people.
Provide for the health and safety of our guests, team and environment.
Reinvest in the communities we serve.
Recognize that profitability is essential to our future success.
Cashier / Customer Service Representative
Posted today
Job Viewed
Job Description
True North - JobID: (Retail Cashier / Team Member) As a Cashier/Customer Service Representative at True North, you'll: Handle customer transactions efficiently and accurately; Provide exceptional customer service and resolve inquiries; Maintain a clean and organized checkout area; Assist in stocking shelves and managing inventory; Operate cash registers and process payments; Collaborate with team members to ensure a positive shopping experience.Hiring Immediately >>
CASHIER / CUSTOMER SERVICE REPRESENTATIVE
Posted 3 days ago
Job Viewed
Job Description
True North's mission is to be our communities' first choice for premier fuel and convenience retail. We are committed to continuously improving our guests' experience through growth, quality operations and development of people.
What you do
- Treat every guest like they are the most important person in the store
- Greet all guests with a smile and a genuine thank you when they leave
- Take pride in the store's appearance by following our "True North Ready" standards
- Promote our great deals and specials to each guest
- Live the "Because We Care" motto by always selling age restricted items responsibly
- Ensure the store is fully stocked and help guests find what they need
- Provide our guests with a "Fast, Friendly, Clean" experience each time they visit
What you need
- Positive and enthusiastic attitude
- Willingness to engage guests with friendly conversation and communicate clearly with guests and co-workers
- Desire to work as part of a team to deliver on our service promise of "Fast, Friendly, Clean"
- Ability to count products and make change, as well as read and write English clearly
- Ability to access all areas of the store and handle merchandise weighing up to 50 pounds
- Multitask and balance duties while always making guests the number one priority
What we provide
- Flexible shifts and a variety of schedules
- PAID Training programs to ensure you are successful and have what you need to be a star
- Advancement opportunities
- Ongoing training and development
- A challenging and exciting work environment where guest service is #1
- 401K with Company match *
- Paid vacation*
- Fixed-Benefit Medical and Dental plan available
- Free minimum essential coverage as required by the Affordable Care Act, after 1 year of employment*
*Eligibility requirements must be met
All applicants must be 18 years of age or older (some locations may require 21 years of age or older due to tobacco or alcohol sales) and will be subject to a pre-employment background check at our expense. True North, considers applicants for all positions without regard to race, color, religion, creed, gender, national origin, age, disability, marital or veteran status, sexual orientation, or any other legally protected status. True North is a veteran-friendly and equal opportunity employer.
Our Core Values
Operate with the highest level of integrity by being honest and fair.
Incorporate excellence in all that we do.
Embrace diversity by respecting the rights and dignity of all people.
Provide for the health and safety of our guests, team and environment.
Reinvest in the communities we serve.
Recognize that profitability is essential to our future success.
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Showroom Customer Service Representative

Posted 8 days ago
Job Viewed
Job Description
Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes and better businesses. We exist to make our customers' complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities and each other. Ferguson, a Fortune 500 company, is proud to provide best-in-class products, service and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in.
Ferguson is currently looking for the right individual to fill an immediate need for a Showroom Customer Service Representative. If you have a love of meeting people and providing phenomenal customer service coupled with an interest in contributing directly to the bottom line of a multi-billion-dollar organization, this is the position for you!
**Schedule: Monday through Thursday 8:00 am - 4:30 pm and Fridays 7:30 am - 4:00 pm**
**Responsibilities:**
+ Assist customers on the showroom floor
+ Strive to increase knowledge of entire product offering
+ Support efforts of Outside Sales Associates
+ Work hand-in-hand with Showroom Sales consultants by performing the administrative functions that ensure our customer's needs are being met.
+ Support the Showroom Sales team by ensuring the delivery of personalized customer service through timely quotations and accurate order processing.
+ Updating customer contracts, coordinate deliveries with the warehouse, and answer sales calls for general information.
**Requirements:**
+ 2-5 years of prior customer service experience preferred
+ Knowledge of plumbing fixtures, lighting, and appliances preferred
+ Results oriented, able to meet goals, build relationships, and enjoy a team environment
+ Excellent communication for phone/in-person sales, time management and organizational skills
+ Ambition to succeed and self-motivated
+ General digital literacy
+ Ability to multi-task
+ Passion for customer service
+ Ability to learn quickly
This is a commission eligible role. The estimated total compensation range is $40,000 - $60,000 annually.
At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more!
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Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements.
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_The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability._
_Ferguson Enterprises, LLC. is an equal employment employer_ _F/M/Disability/Vet/Sexual_ _Orientation/Gender_ _Identity._
Equal Employment Opportunity and Reasonable Accommodation Information (
Alterations Customer Service Representative
Posted today
Job Viewed
Job Description
- Minimal weekday hours required (join for weekends only!)
- Generous Team Member discount
- $400 bonus for every referral hired with NO LIMIT *
- Competitive hourly pay rates & team bonus
- Get Paid Early!
- Welcome all customers with genuine, and friendly enthusiasm over the phone, virtual chats and in person, communicates clearly and concisely adapting style to suit customers by problem solving, excellent phone skills and resolving conflict.
- Use all systems to manage the customer flow to deliver five-star customer experience.
- Meet all service vows including, Prepare, Welcome, Meet Needs & Be There for all customers, includes all operational checklist task and meeting customers emotional and practical needs.
- Responsible for providing an exceptional service experience to multiple customers at one time and contributes to the store achievement of Five-Star Customer Service. Proactively address customer concerns with confidence. Know when to escalate and partner with leadership team.
- Effectively communicate how alterations can play an important role in perfecting the dress for her event in partnership with Alterations.
- Promote all alterations services and personalization options.
- Maintain store-standards (clean, organized, promotional readiness, store recovery) to support a flawless shopping experience.
- Maintain high dress code standards as required by the Dress Code policy.
- Greet and escort all alterations customers to and from alterations for appointments.
- Press, steam, and spot clean all merchandise.
- Follows quality control guidelines and inspects all garments altered/steamed/pressed to verify pristine condition before final delivery to customer.
- Build long-term relationships to meet and exceed customer satisfaction and loyalty.
- Support inventory management by processing special orders, pick-ups and first quality standards for all merchandise.
- Supports all cash wrap behaviors and processes transactions with accuracy to make sure every customer feels celebrated.
- Seeks assistance from the Alterations Manager to address customer issues that s/he is not able to resolve.
- Maintains a clean and well-organized alterations room.
- Performs duties and tasks as assigned by store management.
- While performing the duties of this job, the employee is occasionally required to stand, walk, and sit for extended periods of time; reach for tools and objects with hands and arms; climb stairs; stoop, kneel, crouch, or crawl; ability to bend, twist and stand; move throughout the store; and talk to and hear customers. Manual dexterity to perform non-selling responsibilities, such as use of POS (Point of Sale) terminals, counting money, steaming garments, accessing computers and receiving or initiating telephone calls. Manual dexterity to sew an perform fittings to David's Bridal standards, as needed. Ability to lift/and or move up to 10 pounds. The employee must be able to see up close and at a distance, as well as use peripheral vision and depth perception, and be able to look at, read, and use a computer, electronic devices and phones for long periods of time.
- High school diploma or equivalent degree
- 1-2 years prior retail experience in an apparel or specialty store environment.
- Prior sewing experience is helpful.
- Prior experience with computerized POS (Point of Sale) system
- Rewarding Environment and Competitive Pay
- Team Bonus
- Dayforce Wallet - Get Paid Early!
- Generous Team Member Discount After First Pay Period
- Vision Care
- Supplemental Insurances- Critical Illness, Hospital Indemnity and Accidental Injury
- 401K Program
- Discount for Identity Theft Protection
- Discounts for Home and Auto Insurance
- Discounts for Mobile
- Legal Benefits (MetLife Hyatt Legal Plans)
- Pet Insurance