From comprehensive health coverage to retirement savings, pet insurance, and perks that make daily life better — here's everything Top Concepts offers its team members.
Medical, dental, and vision coverage through trusted carriers — keeping you and your dependents protected all year long.
Choose between two BCBS of Tennessee plans: Option 1 (HSA-Compatible) — a high-deductible plan paired with a Health Savings Account, great if you want to save pre-tax money for medical expenses; or Option 2 (PPO) — lower deductibles and copays with more predictable out-of-pocket costs. Both plans include 100% covered preventive care, specialist visits, emergency services, prescription coverage, and access to Teladoc telehealth 24/7. Coverage is available for employee, employee + spouse, employee + child(ren), or full family.
✅ Two Plan OptionsAvailable exclusively to employees enrolled in the HSA medical plan (Option 1). An HSA lets you set aside pre-tax dollars to pay for qualified medical, dental, vision, and prescription expenses — now or in the future. Funds roll over year to year and belong to you even if you leave the company. You can contribute up to IRS annual limits and even invest your balance once it grows. It's one of the most tax-efficient savings tools available.
✅ Paired with Option 1 MedicalA PPO dental plan with in-network and out-of-network coverage. Choose the Base Plan or Buy Up Plan for enhanced benefits. Both plans cover diagnostic and preventive services (cleanings, X-rays, fluoride) at 100%, basic services (fillings, extractions, oral surgery) at 80%, and major services (crowns, bridges, periodontal surgery) at 50%. The Buy Up Plan adds orthodontia coverage for adults and children. Dependent children are covered through the end of the month they turn 26.
✅ Base & Buy Up Plans AvailableComprehensive vision coverage through the VSP Choice Network. Benefits include an annual eye exam (every 12 months), prescription lenses every 12 months, and frames every 24 months with a $150 allowance. All lens types are covered — single, bifocal, trifocal, and lenticular. Conventional contact lenses are also covered with a fitting evaluation and $150 allowance. Out-of-network reimbursements are available if you see a provider outside the network. LASIK discounts are also available through select providers.
✅ Exams, Lenses & FramesLife can throw curveballs. These voluntary coverages through Principal pay cash directly to you — helping cover the gaps major medical doesn't always handle.
If an illness, injury, or surgery keeps you from working, Short-Term Disability replaces 60% of your basic weekly earnings (up to a plan maximum per week) so you can focus on recovery without financial stress. Benefits begin immediately for accidents and after a short waiting period for sickness, and can continue for up to 13 weeks. Pre-existing limitations apply. No Evidence of Insurability is required — even if you previously waived coverage.
✅ Up to 13 Weeks of IncomeReceive a lump-sum cash benefit paid directly to you upon diagnosis of a covered critical illness — including cancer, heart attack, stroke, kidney failure, major organ transplant, bone marrow transplant, sudden cardiac arrest, coronary bypass surgery, non-invasive cancer, and skin cancer. Children are automatically covered at 25% of the employee benefit. Coverage is portable if you change jobs. A $50 health screening benefit per covered person per year is also included.
✅ Cash Paid Directly to YouPays cash benefits directly to you when you experience a covered accident — on or off the job. Covered events include ambulance rides, emergency room visits, surgery and anesthesia, bandages and casts, wheelchairs and crutches, and more. Additional benefits include a $150 health screening benefit per person per year, transportation and lodging benefits, emergency room treatment benefit, coverage for serious conditions like coma and paralysis, and an accidental-death and dismemberment benefit.
✅ On & Off the ClockA cash benefit that helps cover unplanned hospital expenses that your medical plan may not fully cover. Benefits are paid directly to you and include: $1,000 for the first day of hospitalization (up to 1 day/year), $2,000 for the first day in the ICU, $100 per day for daily hospital stays (up to 30 days/year), $200 per day for daily ICU stays, and $100 for newborn nursery. A $50 health screening benefit per covered person per year is also included.
✅ Covers Hospital StaysTop Concepts provides basic life coverage at no cost to you, with options to increase your coverage or add protection for your spouse and children.
Top Concepts provides $10,000 in Basic Life and Accidental Death & Dismemberment (AD&D) insurance at absolutely no cost to you. This coverage pays your designated beneficiary a benefit in the event of your death, and provides additional financial protection in the event of accidental dismemberment. No enrollment action is needed — you're automatically covered as an eligible employee.
✅ 100% Employer-PaidWant more coverage? You can purchase additional life and AD&D insurance through Principal. Employee coverage is available from $10,000 up to $500,000 (guarantee issue up to $150,000 during initial enrollment). Spouse coverage is available up to $100,000, and child coverage options range from $2,000 to $10,000. Enroll during your initial eligibility window to take advantage of guarantee issue amounts without needing to complete a medical history questionnaire.
✅ Spouse & Child OptionsSupplement your existing coverage with a 20-Year Group Term Life plan through Manhattan Life. Coverage is available for employees ($5,000–$50,000), spouses ($5,000–$10,000), and children up to age 25 ($5,000–$10,000). Includes a terminal illness accelerated benefit and family term options. Premiums remain the same for the full 20-year term, giving you predictable long-term protection for your family.
✅ Locked Rate for 20 YearsAdditional term life coverage through Aflac is now available as a new benefit option. Guaranteed-issue coverage up to $50,000 for employees, $25,000 for spouses, and $25,000 for children. Includes an Accelerated Benefit Rider that can advance a portion of your death benefit if you're diagnosed with a terminal or chronic illness. Also includes an Extension of Chronic Condition Periodic Payments Rider and a Restoration of Death Benefit Rider for added peace of mind.
✅ New Benefit This YearSave for retirement on your own schedule with pre-tax or Roth options — and let your money grow over time.
Plan for your future with our company 401(k) plan, offering both Traditional (pre-tax) and Roth options. Employees who work 20+ hours per week, have completed 1 year of service with 1,000+ hours worked, and are age 21 or older are eligible to enroll. Contributions can be up to 6% of gross pay and are deducted automatically from your paycheck. If you don't actively opt out, you'll be auto-enrolled at 1% at your one-year anniversary. Enrollment opens in January and July.
✅ Traditional & Roth OptionsFrom protecting your pets to emergency air transport, these unique membership benefits round out a truly comprehensive package.
Your furry family members deserve coverage too. Top Concepts has partnered with Pet Benefit Solutions to offer two plan options: the Total Pet Plan (discounts on products and Rx, vet care discounts, 24/7 pet telehealth, lost pet recovery, and exclusive member discounts) and the Wishbone Plan, which offers a Wellness option for routine visits and an Advantage option covering unexpected accidents and illnesses. Note: these plans are not processed through payroll deductions. Enroll at Petbenefits.com/land/topconcepts.
✅ New Benefit This YearAirMedCare Network providers respond to emergency scene calls and transport seriously ill or injured patients to the nearest appropriate medical facility — at no out-of-pocket cost to members. The membership covers your entire household, includes Teladoc access and broad coverage, and is transferable if you leave the company. Membership terms of 1, 3, 5, or 10 years are available. Optional "Fly U Home" and international coverage add-ons are also available for travel outside the area.
✅ Household CoverageBeyond insurance and retirement, Top Concepts invests in your growth, your community, and your daily quality of life.
As a Top Concepts team member, you receive free admission to all of our attractions plus 50% off purchases at our retail stores. On top of that, the company has a pass exchange program with over 60 local attractions, restaurants, and retail locations — so you and your family can enjoy everything the Smoky Mountain area has to offer, completely free of charge. Because the people who create OMG moments deserve to experience a few of their own.
✅ 60+ Partner LocationsEach year, Top Concepts awards $1,000 toward the education of a deserving team member. The scholarship covers traditional college and university programs as well as trade and career technical programs — because we believe in supporting your growth however you choose to pursue it. Employees interested in applying should contact Human Resources for the requirements and application package.
✅ $1,000 Annual AwardKnow someone who'd be a great fit? Refer them for a job at Top Concepts and earn a $50 bonus once your referral has been employed for 90 days or more. Simply notify Human Resources at the time of application that you're providing the referral. It's our way of saying thank you for helping us build the best team in the Smokies.
✅ $50 After 90 DaysLife gets complicated sometimes. The EAP provides free, confidential support through a dedicated EAP Coordinator who can help with mental health concerns, family and relationship challenges, grief counseling, legal questions, and financial assistance. It's available to all eligible employees at no cost and is completely confidential. Whether you're navigating a difficult personal situation or just need guidance, the EAP is there to help.
✅ Free & ConfidentialTwice a year, Top Concepts collects and distributes care packages for employees and local families who may need a helping hand. These packages include essential items like hygiene products and canned goods to help ease the stresses of daily life. It's part of our larger commitment to community involvement and making a meaningful difference — not just for our guests, but for the people who make it all happen.
✅ Twice a YearGreat benefits start on day one. Browse our open positions and apply today — our HR team is happy to answer any questions about coverage, eligibility, or enrollment during the hiring process.