In-Network Benefits |
Plan 1 Name |
Plan 2 Name |
Plan 3 Name* |
Plan 4 Name |
Network |
<<>> |
<<>> |
<<>> |
<<>> |
Preventive Care† |
100% Covered |
100% Covered |
100% Covered |
100% Covered |
Office Visit Copay |
$00 PCP $00 Non-PCP $00 Telemed $00 Urgent Care |
$00 PCP $00 Non-PCP $00 Telemed $00 Urgent Care |
$00 PCP $00 Non-PCP $00 Telemed $00 Urgent Care |
$00 PCP $00 Non-PCP $00 Telemed $00 Urgent Care |
Emergency Room |
$00 Copay + XX% Coinsurance |
$00 Copay + XX% Coinsurance |
$00 Copay + XX% Coinsurance |
$00 Copay + XX% Coinsurance |
Prescription Drugs |
|
|
|
|
Rx Copay |
$00 Tier 1 $00 Tier 2 $00 Tier 3 $00 Tier 4 |
$00 Tier 1 $00 Tier 2 $00 Tier 3 $00 Tier 4 |
$00 Tier 1 $00 Tier 2 $00 Tier 3 $00 Tier 4 |
$00 Tier 1 $00 Tier 2 $00 Tier 3 $00 Tier 4 |
Specialty Rx Copay |
$00 Biosimilar $00 Preferred Specialty $00 Non-Preferred Specialty |
$00 Biosimilar $00 Preferred Specialty $00 Non-Preferred Specialty |
$00 Biosimilar $00 Preferred Specialty $00 Non-Preferred Specialty |
$00 Biosimilar $00 Preferred Specialty $00 Non-Preferred Specialty |
Rx Deductible |
$000 Single / $000 Family |
$000 Single / $000 Family |
$000 Single / $000 Family |
$000 Single / $000 Family |
|
|
|
|
|
|
Deductible |
$0,000 Single $0,000 Family |
$0,000 Single $0,000 Family |
$0,000 Single $0,000 Family |
$0,000 Single $0,000 Family |
Coinsurance§ |
You pay 00%, plan pays 00% |
You pay 00%, plan pays 00% |
You pay 00%, plan pays 00% |
You pay 00%, plan pays 00% |
Out-of-Pocket Maximum |
$0,000 Single $00,000 Family |
$0,000 Single $00,000 Family |
$0,000 Single $00,000 Family |
$0,000 Single $00,000 Family |
Wright Transportation
Welcome to Your Benefits Portal
Explore this portal to understand your options, make confident choices, and enroll with ease. Ensure you and your family are covered for the year ahead.
Open Enrollment
November 2 - 27, 2026
This is your opportunity to make changes to your current health benefit elections for the 2026-2027 plan year.
We partner with Employee Navigator to simplify enrollment. With Employee Navigator, you can:
-
Enroll or re-enroll
-
Make changes to your benefits
-
Add or remove dependents
-
Enroll in flexible spending account(s)
NOTE: This site will be available to you on demand all year. Take some time to review this information and return to this benefits portal whenever you or your family members have questions or want to review your benefits.
Unlock Benefits Clarity
Monthly Minute Communications Library
Ever feel lost in the world of employee benefits? We know it can be confusing. Our Monthly Minute communications library and your company's Benefits Education video library provide clear, concise information to help you understand your valuable benefits package.
Qualifying Life Events (QLE)
This is a change in your situation - like getting married, having a baby, or losing health coverage - that may allow you to enroll in health insurance outside the yearly Open Enrollment Period.
Preventive Care
This step can help prevent future health concerns and lower health insurance costs. Learn more about what's covered and what isn't.
Additional Coverage
Coverage at your fingertips - Home, Auto, and More! Get agent recommendations based on your needs.
Approaching Retirement?
Understanding how Medicare works—and how it compares to your current coverage—can help you make informed decisions.
Benefits Questions?
Our Benefits Staff is Here to Help
We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.
If you have any questions, please contact your TRUEAdvocate Team!
A team member will respond within 24 hours.
Monday - Friday | 7:30 a.m. - 5:00 p.m., Central Time (CT)
This portal has been prepared by TrueNorth Companies, L.C and is intended for informational purposes only. This portal should not be considered medical advice. Transmission of this portal is not intended to create and receipt does not constitute, a client relationship with TrueNorth Companies L.C. This portal does not constitute any type of representation or warranty, and does not constitute, and should not be relied upon as, legal advice. This portal is not a contract and does not amend, modify or change any insurance policy you may have with an insurance carrier.
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
Welcome
New Hires
What You Need To Know
Enrollment in benefits can be one of the most important decisions you will make this year.
Take time to review your benefits information.
Attend benefit enrollment meetings.
Ask questions when you do not understand.
ELIGIBILITY
Most benefits are effective the first day of the month following the date of hire for full-time employees working a minimum of 30 hours per week.
The enrollment deadline is the last day of the month before your effective date (unless noted).
Enrollment requests must be received by Human Resources within 30 calendar days following the date of the event.
DEPENDENT ELIGIBILITY
Your eligible dependents may include:
-
Your legal spouse or eligible domestic partner
-
Your eligible dependent children, including natural, adopted, stepchildren, and children for whom you have legal guardianship
-
Eligible children may remain covered until age 26, regardless of student status, marital status, or access to other employer-sponsored coverage
Refer to plan documents for complete eligibility requirements and dependent verification guidelines.
CHANGES
Changes to your benefits enrollment can only be made:
-
At the time of hire
-
During the annual enrollment period
-
December 1 effective date
-
-
Due to a Qualifying Life Event
Common Qualifying Life Events (QLE) include:
-
Marriage
-
Divorce / Legal Separation
-
Birth of a child
-
Adoption of a child
-
Loss of other employer-sponsored coverage
-
New election of other employer-sponsored coverage
RESOURCES
The Plan Documents & Notices page contains benefit summaries (SBC), summary plan descriptions (SPD), brochures, forms, and applicable applications.
Documents can also be found in Employee Navigator.
Enroll in Your Benefits
You have [30] DAYS from your date of hire to enroll in your new benefits.
EDUCATE
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
EVALUATE
Make your benefit decisions and make sure you have what you need to enroll...
Do you have your Dependents' birthdays and Social Security Numbers?
How about your Beneficiary(s)' address?
Have you decided how much to contribute to your HSA or FSA?
Having correct First and Last names on hand is also helpful.
We partner with Employee Navigator to simplify the enrollment process! With Employee Navigator you can:
-
Enroll or re-enroll
-
Make changes to your benefits
-
Add or remove dependents
-
Enroll in flexible spending account(s)
NOTE: This site will be available to you on demand all year. Take some time to review this information and return to this benefits portal whenever you or your family members have questions or want to review your benefits.
Benefits Questions?
Our Benefits Staff is Here to Help
We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.
If you have any questions, please contact your TRUEAdvocate Team!
A team member will respond within 24 hours.
Monday - Friday | 7:30 a.m. - 5:00 p.m., Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
Medical & Rx
2026 Medical & Prescription Drug Benefits
Administered by [MEDICALCARRIER] & [PBM].
The medical insurance benefit uses a network of providers, hospitals, and pharmacies to provide employees and their families access to quality healthcare and protection against the cost of illness or injury.
Medical Plans Comparison
For full plan details, please review the plan documents.
* HDHP is a low monthly premium plan with a future savings account.
† Preventive Care is defined by the Affordable Care Act (ACA). Visit Healthcare.gov/coverage/preventive-care-benefits to access a list of covered preventive services by gender and age.
§ Coinsurance is what you pay out of pocket after the deductible is met.
[Bi-Weekly] Rates |
Plan 1 Name |
Plan 2 Name |
Plan 3 Name |
Plan 4 Name |
Employee |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Employee + Spouse |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Employee + Child(ren) |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Employee + Family |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
For full plan details, please review the plan documents.
Virtual Doctor Visits With [PROVIDERNAME]
555-555-5555
[telehealthprovider].com
It’s now easier than ever to meet your providers online. All you need is a smartphone, tablet, or computer/laptop to have a successful online doctor visit.
Get the Care You Need,
When You Need It
- Cold and flu
- Sore throats
- Allergies
- Fever
- Urinary tract infections
- Pink eye
- Skin condition
- Bronchitis
- Sinus infections
- Headache
- Other conditions such as mental health (if covered by your health plan)
How to Get Started
Download the App
Download the [PROVIDER] app or visit [provider].com.
Have Your ID Card
Have your [CARRIER] Member ID card ready.
Register Or Sign In
Create an account or sign in.
4 Ways to SAVE on Prescription Drug Costs
Many are feeling the strain of rising healthcare costs. Learn how to alleviate the burden of prescription medication costs and prioritize your health!
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
Dental & Vision
2026 Dental & Vision Benefits
Administered by [DENTALCARRIER] and [VISIONCARRIER].
Dental care is an important part of your overall health. This plan provides you with no-cost, in-network preventive care, as well as coverage for basic care and major procedures. Enroll in vision coverage to save money on eligible vision care expenses, such as eye exams, glasses, and contact lenses.
✨ If you have an HSA or FSA, you can use these funds to cover eligible expenses, such as your deductible or copay.
In-Network Services |
High Plan / PPO Network |
Low Plan / Non-PPO Network |
|
Network |
[DENTALNETWORK] |
[DENTALNETWORK] |
|
Deductibles |
$00 Single $000 Family |
$00 Single $000 Family |
|
Annual Maximum |
$0,000 |
$0,000 |
|
Benefit Rollover |
$000 |
$000 |
|
Preventive Services |
Covered at 100% |
Covered at 100% |
|
Basic Services |
Covered at 90% |
Covered at 80% |
|
Major Services |
Covered at 50% |
Covered at 50% |
|
Orthodontic (up to age 19) |
Covered at 50% Up to $0,000 lifetime maximum |
Covered at 50% Up to $0,000 lifetime maximum |
* 12 month waiting period applies
Refer to the plan certificate to determine if a procedure is considered Basic or Major.
** 24 month waiting period applies
[Bi-Weekly] Rates |
High Plan |
Low Plan |
|
Employee |
$00.00 |
$00.00 |
|
Employee + Spouse |
$00.00 |
$00.00 |
|
Employee + Child(ren) |
$00.00 |
$00.00 |
|
Employee + Family |
$00.00 |
$00.00 |
In-Network Services |
Plan 1 |
Plan 2 |
|
Network |
[VISIONNETWORK] |
[VISIONNETWORK] |
|
Exam 1 every 12 months |
$00 |
$00 |
|
Eyeglasses |
||
|
Frames* 1 every 24 months |
$000 allowance $000 allowance for featured brands and 00% discount off the balance |
$000 allowance $000 allowance for featured brands and 00% discount off the balance |
|
Lenses * ** 1 every 12 months
|
$00 Single Lined $00 Bi-focal Lined $00 Trifocal $00 Lenticular |
$00 Single Lined $00 Bi-focal Lined $00 Trifocal $00 Lenticular |
|
Contacts Please note: Contact lenses are in place of eyeglass lenses and frame. |
||
|
Elective Contacts * ** 1 every 12 months |
$000 allowance |
$000 allowance |
|
Medically Necessary Contacts * ** 1 every 12 months |
100% Covered |
100% Covered |
|
Contact Lens Fitting & Evaluation * ** 1 every 12 months |
$00 |
$00 |
*Charges for lenses, frames, and contact lenses above the available benefit will be the responsibility of the participant.
**Plan allows only eyeglass lenses or contact lenses within the calendar year, not both.
[Bi-Weekly] Rates |
Plan 1 |
Plan 2 |
|
Employee |
$00.00 |
$00.00 |
|
Employee + Spouse |
$00.00 |
$00.00 |
|
Employee + Child(ren) |
$00.00 |
$00.00 |
|
Employee + Family |
$00.00 |
$00.00 |
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
HSA & FSA
2026 HSA & FSA Benefits
Administered by [CARRIER].
Health Savings Account (HSA) administered by [CARRIER].
Flexible Spending Accounts (FSA) administered by [CARRIER].
HSAs and FSAs help you save pre-tax dollars for healthcare or dependent care. Eligibility in each plan will be based on enrollment.
To learn more about the differences, watch the video, "HSA vs. FSA."
Go deeper and learn the different kinds of accounts and how they differ in eligibility, ownership, and how money can be used. Download the flyer, "HSA vs. FSA vs. DCFSA."
Health Savings Account (HSA)
An HSA can help you lower your taxes, cover some expenses your plan doesn't, and even help save for retirement.
For full plan details, please review the plan documents.
HSA Overview |
|
|
To be eligible, you must: |
• Be covered under a qualified High Deductible Health Plan (HDHP)
• Not be claimed as a dependent on someone else's tax return
• Not maintain a full-purpose Healthcare FSA
• Not be enrolled in Medicare • If your eligible dependent is covered under Medicare, you can continue contributing to the HSA
• Not have a spouse with a full-purpose FSA plan through their employer
• Additional eligibility rules may apply if you receive VA medical benefits. Refer to plan documents for details |
|
How do I put money into the account? |
Select the correct answer and delete this line and the incorrect answer: Through pre-tax payroll deductions Through direct contributions |
|
Does [ my employer ] contribute? |
Yes, $000.00 per pay period.
EE/Spouse: $00.00 EE/Child(ren): $00.00 Family: $00.00 |
|
IRS Maximum Contribution Limits Note: The maximum includes both employee and employer contributions |
2026 Single: $4,400 Family: $8,750 Catch-up: $1,000 (those 55+)
2027 Single: $4,500 Family: $9,000 Catch-up: $1,000 (those 55+) |
|
Availability of funds |
Funds must accumulate before using |
|
Use it or lose it? |
No, unused funds roll over from year to year |
|
Can take it with you if you leave the company? |
Yes |
Eligible ExpensesBeyond Your Plan Coverage |
|
|
More common examples |
|
|
Less common examples |
|
|
Download the full list from the Internal Revenue Service |
|
|
Also, try: |
|
Flexible Spending Accounts (FSA)
An FSA can help you use pretax money to pay for certain out-of-pocket health expenses or dependent care expenses.
For full plan details, please review the plan documents.
FSA Overview |
|
|
How do Flexible Spending Accounts compare? |
Healthcare FSA: A full-purpose FSA that's best for predictable medical, dental, or vision expenses
Limited Purpose FSA: Can be used for dental and vision only
Dependent Care FSA: Covers child or dependent care needed, so you (and your spouse, if applicable) can work |
|
Eligibility rules |
|
|
Pre-tax contributions? |
Yes. Contributions are typically made through pre-tax payroll deductions. |
|
IRS Maximum Contribution Limits |
2026 Healthcare and Limited Purpose: $3,400
Dependent Care: $7,500 ($3,750, if filing Single)
2027 Healthcare and Limited Purpose: $3,500
Dependent Care: $7,500 ($3,750, if filing Single) |
|
Availability of funds |
Healthcare and Limited Purpose:
Dependent Care: Funds must accumulate before using |
|
Use it or lose it? |
Yes, however, [insert text from below]
the Healthcare FSA allows you to roll over up to $680 of unused money into the next plan year.
the Healthcare FSA allows you to roll over up to $700 of unused money into the next plan year.
the plan has a grace period that allows you to use current year funds to pay for services incurred in the first 2.5 months of the next plan year. |
|
Can you take it with you if you leave the company? |
No |
Eligible ExpensesBeyond Your Plan Coverage |
|
|
Common examples |
|
|
Download information on Health Care and Limited Purpose FSAs from the Internal Revenue Service |
|
|
Download information on Child and Dependent Care Expenses from the Internal Revenue Service |
|
|
Also, try: |
|
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
Life & Supplemental
2026 Life & Supplemental Benefits
See Carrier information below.
We offer life, disability, supplemental insurance, and additional protection plans to help you plan ahead for your family's financial security.
Life Insurance
Administered by [CARRIER].
Life insurance provides your named beneficiary(ies) with a benefit in the event of your death. Accidental Death and Dismemberment (AD&D) insurance provides specified benefits to you in the event of a covered accidental bodily injury that directly causes death or dismemberment (i.e., the loss of a hand, foot, or eye). You may enhance your life benefits by purchasing additional insurance. The cost is based on your age and the coverage amount elected.
For full plan details, please review the plan documents.
Basic Life and AD&D Insurance*COMPANY-PAID
|
|
Life Benefit |
0 times Base Annual Salary Up to $00,000 |
Accidental Death & Dismemberment |
Flat rate of $00,000 |
*100% of the cost of this benefit is covered by the employer.
Additional Life and AD&D Insurance*EMPLOYEE-PAID |
Employee Benefit |
|
Increments of $00,000 up to $000,000 |
Guaranteed Issue**:Up to $000,000 |
Spouse Benefit |
|
Increments of $0,000 up to $000,000 |
Guaranteed Issue**:Up to $000,000 |
Child Benefit |
|
Increments of $00,000 for children 6 months and older.
$0,000 benefit for children 14 days to 6 months. |
Guaranteed Issue**:Up to $00,000 |
*Age reductions may apply. Refer to the benefit plan document.
**Guaranteed Issue is the amount you can elect before you are required to complete a health questionnaire, otherwise known as Evidence of Insurability (EOI).
If you are a late enrollee or requested coverage over the Guaranteed Issue amount, your coverage may require additional approval from the insurance company. Please note you are considered a late enrollee if you did not elect coverage when initially offered.
Disability Insurance
Administered by [CARRIER].
Disability insurance provides you with benefits to replace part of your lost income when you become unable to work due to a covered injury or illness.
For full plan details, please review the plan documents.
Benefits |
Short-TermEMPLOYEE / EMPLOYER -PAID |
Long-TermEMPLOYEE / EMPLOYER -PAID |
Coverage amount |
00% of weekly income Up to $0,000 |
00% of monthly income Up to $0,000 |
Accident benefits begin |
Day X |
Day X |
Illness benefits begin |
Day X |
Day XX |
Maximum payment period |
XX weeks
Maternity: X weeks X weeks (Cesarean) |
Social Security Normal Retirement Age (SSNRA) |
Pre-existing conditions |
3 months / 12 months look back |
3 months / 12 months look back |
Designate Your Beneficiary(ies)
Choosing beneficiaries is an act of love and foresight. It secures the stability of your loved ones and empowers the causes closest to your heart.
First, collect the information you will need, such as:
-
Full legal name
-
Date of birth
-
Relationship (if applicable)
-
Tax Identification Number (TIN)
-
Social Security Number (SSN)
-
Employer Identification Number (EIN)
-
-
Mailing address
-
Email address
-
Phone number
Then, log in to [HCM] to add or change your beneficiary(s).
Supplemental Insurance
Administered by [CARRIER].
Accident Insurance
Administered by [CARRIER].
For full plan details and rate information, please review the plan documents.
Accident Insurance Benefits |
|
What is it? |
When you have a covered accident, you can receive cash benefits to use however you see fit. |
What is covered? |
Coverage typically includes ambulance services, emergency room visits, intensive care unit confinement, etc. |
Monthly Premium RatePER COVERAGE LEVEL |
Plan 1 |
Plan 2 |
Employee |
$00.00 |
$00.00 |
Employee + Spouse |
$00.00 |
$00.00 |
Employee + Child(ren) |
$00.00 |
$00.00 |
Employee + Family |
$00.00 |
$00.00 |
Critical Illness Insurance
Administered by [CARRIER]
For full plan details and rate information, please review the plan documents.
Critical Illness Benefit |
|
What is it? |
This typically pays a lump-sum benefit directly to you at the time a covered illness (such as a stroke, heart attack or cancer) occurs or is diagnosed. |
What is covered? |
You can use the money for everyday expenses like mortgage payments, utility bills or childcare. |
Monthly Premium RatePER AGE RANGE |
Plan 1 |
Plan 2 |
18-29 |
$00.00 |
$00.00 |
30-39 |
$00.00 |
$00.00 |
40-49 |
$00.00 |
$00.00 |
50-59 |
$00.00 |
$00.00 |
60-64 |
$00.00 |
$00.00 |
65+ |
$00.00 |
$00.00 |
Hospital Indemnity Insurance
Administered by [CARRIER]
For full plan details and rate information, please review the plan documents.
Hospital Indemnity Benefit |
|
What is it? |
Similar to Accident and Critical Illness Plans, Hospital Indemnity provides a lump-sum benefit to use for expenses related to a hospital stay. |
What is covered? |
Expenses covered include: hospital admission, hospital confinement, lodging, transportation and more. |
Monthly Premium RatePER COVERAGE LEVEL |
Plan 1 |
Plan 2 |
Employee |
$00.00 |
$00.00 |
Employee + Spouse |
$00.00 |
$00.00 |
Employee + Child(ren) |
$00.00 |
$00.00 |
Employee + Family |
$00.00 |
$00.00 |
Cancer Insurance
Administered by [CARRIER]
For full plan details and rate information, please review the plan documents.
Cancer Insurance Benefit |
|
What is it? |
This coverage can provide a cash benefit once you are diagnosed. |
What is covered? |
Depending on the covered disease, you can access transportation benefits, hospice and nursing services, and more.
Note: Carefully read the policy before you purchase something to be sure the things that are covered meet your expectations. |
Monthly Premium RatePER COVERAGE LEVEL |
Plan 1 |
Plan 2 |
Employee |
$00.00 |
$00.00 |
Employee + Spouse |
$00.00 |
$00.00 |
Employee + Child(ren) |
$00.00 |
$00.00 |
Employee + Family |
$00.00 |
$00.00 |
Additional Insurance Coverage
Administered by [CARRIER]
For full plan details and rate information, please review the plan documents.
Additional Protection |
|
Hearing DiscountAdministered by {CARRIER]
|
Hearing loss is caused by temporary obstructions in the outer or middle ear or permanent damage to the tiny hairs in the inner ear. Common causes of damage include exposure to noise, aging, other health conditions, and certain medications. |
Legal AssistanceAdministered by {CARRIER]
|
Protect yourself and your family by taking advantage of the legal assistance coverage. This plan covers: telephone consultations, will prep, document reviews, and more. |
Identity TheftAdministered by {CARRIER]
|
Identity theft protection can offer ongoing analysis of your personal credit score and alert you immediately of potentially fraudulent credit card charges. And, some services monitor your online footprint as well and can help keep your information and reputation protected. |
Pet InsuranceAdministered by {CARRIER]
|
Pet Insurance provides peace of mind for your furry friends. That’s why we offer you the option to purchase pet insurance. |
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
Retirement Plan
2026 Retirement Benefits
Administered by [CARRIER].
Whatever the future looks like for you, are you saving enough money today to make your retirement dreams come true? We are proud to offer you the [PlanType/401k/403b/etc] to assist you in planning for your retirement.
401(k) Retirement Plan
For full plan details, please review the plan documents.
Eligibility & Entry Requirements |
|
Must be at least age 18. |
|
Have completed 6 months of service. |
Employer Contributions |
|
CompanyNAME will contribute 00% of your pay each pay period |
|
CompanyNAME will match 00% of your deferrals each pay period |
|
You will be vested in the employer contributions after time. |
Contribution Limits |
|
For 2026, the IRS retirement contribution limits are:
For 2027, the IRS retirement contribution limits are:
SECURE 2.0: Employees 50+ with prior‑year FICA wages $150,000+ must make catch‑up contributions as Roth (after‑tax).
|
|
You will be able to change your deferral rate as frequently as you desire. |
Deferral Options |
|
Pre-tax or Roth |
|
Roth:
|
|
Pre-Tax
|
Automatic Enrollment |
|
Auto-Enrollment at 3% of Salary |
|
You can opt out or change this. Ask your employer when these changes go into effect. |
Getting Registered
-
Go to CarrierWebsite.com
-
Select Register
-
Follow the prompts to create a username and password
[Carrier] Contact
Call 1-800-555-555
TrueNorth Retirement Team*
Ben Verhille, Retirement Plan Advisor
Stephanie Reece, Account Manager
* Investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Integrity Alliance is not affiliated with TrueNorth Companies, L.C. The opinions and strategies above are for general information only and are not intended to provide specific advice or recommendations for any individual.
Ready to make sense of Medicare?
Every situation is unique, and the right choice depends on yourspecific circumstances. Our Medicare specialists can support you in making informed decisions about your healthcare coverage.
To request a quote, please visit: khisolutions.com/tn
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
Employee Assistance
2026 Employee Assistance Program (EAP)
Administered by [CARRIER].
We are committed to the overall well-being of our employees and your covered dependents. Our Employee Assistance Program (EAP) includes 24/7 services.
For benefits questions, contact
Employee Assistance Program
Download the app!
Search “PROVIDERNAME”,
then login using the user ID and password.
For full plan details, please review the plan documents.
Employee Assistance Program (EAP) |
|
Who is eligible? |
The EAP is available to:
You are not required to be enrolled in a medical plan. |
Is it confidential? |
YES. You have confidential access to experienced clinicians and professional staff. |
When can I access? |
24 hours per day |
What is covered? |
The EAP can help with challenges like:
|
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
Documents & Notices
Plan Documents & Legal Notices
Download the documents you need for each benefit plan you are enrolled in.
MEDICAL DOCUMENTS - [NAME] PLAN
MEDICAL DOCUMENTS - [NAME] PLAN
MEDICAL DOCUMENTS - [NAME] PLAN
PRESCRIPTION BENEFIT DOCUMENTS
TELEHEALTH DOCUMENTS
HEALTH SAVINGS ACCOUNT (HSA) DOCUMENTS
FLEXIBLE SPENDING ACCOUNT (FSA) DOCUMENTS
LIFE INSURANCE DOCUMENTS
SHORT-TERM DISABILITY (STD) DOCUMENTS
LONG-TERM DISABILITY (LTD) DOCUMENTS
ACCIDENT DOCUMENTS
CRITICAL ILLNESS DOCUMENTS
HOSPITAL INDEMNITY DOCUMENTS
EAP DOCUMENTS
ADDITIONAL BENEFITS
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
Need Help?
MEDICAL CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
NETWORK: [NETWORK NAME]
DENTAL CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
NETWORK: [NETWORK NAME]
VISION CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
TELEHEALTH CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
HSA CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
FSA CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
LIFE INSURANCE CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
DISABILITY CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
SUPPLEMENTAL CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
RETIREMENT CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
EAP CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
XXXX CARRIER
[CARRIER NAME]
WEB [CARRIERWEBSITE.COM]
PH [XXX-XXX-XXXX]
HUMAN RESOURCES
CompanyName
email@company.com
555-555-5555
Benefits Questions?
Our Benefits Staff is Here to Help
We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.
If you have any questions, please contact your TRUEAdvocate Team!
A team member will respond within 24 hours.
Monday - Friday | 7:30 a.m. - 5:00 p.m., Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
Benefits Clarity
Benefits Education Video Library
Understand confusing benefits terms by browsing our extensive video library.
Benefits Basics
Prescription Drugs &
Wise Consumer of Healthcare
Medical Plans
Dental & Vision
Health Savings Account (HSA)
Flexible Spending Account (FSA)
Life Insurance
Disability Insurance
Supplemental Insurance
Employee Assistance & Wellness
Additional Coverages
Financial Benefits
Unlock Benefits Clarity
Monthly Minute Communications Library
Ever feel lost in the world of employee benefits? We know it can be confusing. Our Monthly Minute communications library and your company's Benefits Education video library provide clear, concise information to help you understand your valuable benefits package.
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
Enroll Today!
Enroll in Your Benefits
Enroll in your benefits or change your existing enrollment - as easy as online shopping.
EDUCATE
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
EVALUATE
Make your benefit decisions and make sure you have what you need to enroll...
Do you have your Dependents' birthdays and Social Security Numbers?
How about your Beneficiary(s)' address?
Have you decided how much to contribute to your HSA or FSA?
Having correct First and Last names on hand is also helpful.
Benefits Questions?
Our Benefits Staff is Here to Help
We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.
If you have any questions, please contact your TRUEAdvocate Team!
A team member will respond within 24 hours.
Monday - Friday | 7:30 a.m. - 5:00 p.m., Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
