Your benefits are an essential part of your total rewards. They are one part of how we compensate you for the value you contribute to our company. We invest significantly in providing benefits for your health, well-being and financial security.

Understanding this benefits guide

We’ve prepared this benefits guide to help you understand your benefit options. Review the information carefully.

• The guide is designed to help you make the most of your benefits.
  • Quick-glance summaries at the top of each section of the guide, followed by a deeper look at coverage, premiums, plan provisions and other details
  • Links on each section to plan sites and documents that help you understand each plan and get the most from your coverage
  • One-stop reference section for all your plan contacts and resource documents
• If you are eligible for benefits from another source, use this guide to help you compare the plans.
  • View this guide from any web-enabled device. No IDQ login required, so it is easy to review your options with a spouse, family member or adviser.

Learn more in this section

Deeper look: your cost sharing, eligibility and enrollment

Your health care cost sharing

The health care benefits we offer include plans for medical care, dental care and vision care. We pay the majority of the costs of the plans we offer. You pay a portion of the costs of your coverage. Be sure you understand your costs for premiums as well as your costs for care when you compare our plans with your other options (such as plans your spouse/domestic partner's employer may offer).

Health care plan administrators

Our plan administrators give us access to provider networks. They also provide administrative services.

• UnitedHealthcare (UHC) – medical plan
• Express-Scripts with RxBenefits – pharmacy plan
• Delta Dental – dental care
• EyeMed – vision care

Three factors affect your costs

Our health care plans are designed to encourage you to take care of your health. The cost structure of our plans shares responsibility for your care. It helps protect you financially when you need care. Three factors affect how much you will pay for health care: your fixed costs, your variable costs and your safety net.

Your fixed costs: premiums

You pay a fixed amount of money for coverage. That cost is called your premium. It is part of the funding we use to pay claims for everyone enrolled in our plans. The amount of your premium depends on the plan options you choose, including the network (for the medical plan) and whether you enroll dependents.

Your medical, dental and vision premiums for the plans you choose are deducted from your pay before taxes. That reduces the amount of income that is subject to payroll taxes (federal, state, and Social Security and Medicare (FICA)). To help you understand your costs, the tables in this guide list your health care plan premiums per pay period and annually. When you enroll, the per-pay-period premium will be listed next to each benefit option.

Your variable costs: deductibles,
coinsurance and copayments

You share the costs of your care through deductibles, coinsurance and copayments, depending on the care you need. We pay the full cost of preventive care (medical and dental).

Deductibles. A deductible is a fixed dollar amount you pay for care before the plan (IDQ) begins sharing the cost of your care. You do not pay a deductible for preventive care.

Coinsurance. Coinsurance means you pay a percentage of the cost of your care after you have paid the deductible.

Your safety net: out-of-pocket maximum and no cap on care

There is a limit on how much you will pay for your medical care. This is called the out-of-pocket maximum.

• Your premiums do not count toward your out-of-pocket maximum.
• The deductible does count toward the out-of-pocket maximum.
• The out-of-pocket maximum is the same as the deductible for network medical care.
• Once you have paid the deductible in full, you will not pay any other costs for care you receive from network providers in that calendar year.
• The out-of-pocket maximum is higher than the deductible for nonnetwork care. You will pay coinsurance up to the amount of the out-of-pocket maximum for care you receive from nonnetwork providers.
• There is no annual cap (limit) and no lifetime cap on how much the medical plan will pay for your care.

Your benefits eligibility

Be sure you understand your eligibility for benefits and your options for changing your benefit elections under certain conditions.

• Refer to the eligibility guide for your role (corporate, field, restaurant management, or restaurant shift leads and crew).
• The eligibility guide also outlines your responsibilities for documenting your relationship to anyone you add to your coverage.
• Review your options for changing your benefits elections due to a change in your life during the year (such as a change in marital status or addition of a child to your family).

Eligibility – Corporate and Field Employees, Restaurant Management

• To qualify for benefits, you must work at least 30 hours per week.
• You are eligible for benefits on the first day of the month after you have completed 30 days of full-time employment.
• Eligibility for the 401k plan and eligibility for LegalShield/IDShield differ from eligibility for other benefits. Review the eligibility document for details.

Eligibility – Restaurant Shift Leads and Crew

• To qualify for benefits, you must work an average of 30 hours or more per week for a full year. Read the document to learn how we calculate your eligibility.
• You are eligible for benefits after you have completed a year of qualified service.
• Eligibility for the 401k plan and eligibility for LegalShield/IDShield differ from eligibility for other benefits. Review the eligibility document for details.

About this guide and your benefits

This guide outlines the benefits program we offer. It is designed to help you understand your benefits and enrollment options. It is not a complete description of each benefit plan. It is not a contract of employment. It is not an obligation to maintain any benefit program, practice or policy. Consult the benefits eligibility documents above for details about your eligibility to enroll in benefits and to enroll your spouse or dependent child(ren).

Our plan documents define the terms and conditions of each plan. We encourage you to read the plan documents. They are available in the Contacts and Resources section of this site.

We may change the plans, programs, practices and processes at any time. We may change eligibility criteria at any time. We are not required to give you prior notice or seek your consent to make these changes. If we make any changes to the plans, we will notify you and update the plan documents.

This guide also provides an overview of some benefits that are described in full in the employee handbook. Refer to the handbook for details.

All dollar amounts in this guide are U.S. dollars.

Need details? Check out your benefits Contacts and Resources.

First look: plan features

UnitedHealthcare (UHC) administers our medical plan. Your premiums depend on the plan option you choose and whether you include dependents in your coverage.

• Both plan options cover the same procedures and visits.
• They use different provider networks.

  • The HSA Choice Plus plan is available to any benefits-eligible employee nationwide.

  • The HSA Core Plan is available only to benefits-eligible employees in the Twin Cities Metro area.

• Any dependents you enroll for coverage will automatically be enrolled in the same network you choose for yourself.
• Both options offer virtual and telehealth for medical, behavioral and mental health services.
• Both options include preventive care at no cost to you.

Prescription benefits

Express Scripts Inc. administers our prescription (pharmacy) benefits. RxBenefits, an Express Scripts partner, provides customer service and helps you save on your prescriptions.

• Prescription benefits are included in the cost of your medical plan.
• The amount you pay for prescriptions depends on the medications you take.
• The prescription benefits and prescription cost-sharing are the same regardless of the medical plan network you choose.
• You are automatically enrolled in prescription benefits when you enroll in our medical plan.
• You cannot elect prescription benefits apart from enrolling in our medical plan.

Learn more

Deeper look: plan details

Your network options

Providers and facilities in the network you choose have agreed to accept a negotiated rate for services as part of being in the network. You are not responsible for any charges that exceed the negotiated rate. If you choose care from a provider or facility that is not within your network, you will pay more for your care. Any dependents you enroll for coverage will automatically be enrolled in the same network you choose for yourself.

National network: HSA Choice Plus plan

Any benefits-eligible employee

The Choice Plus network includes more than 895,000 physicians and 5,600 hospitals nationwide.

Narrow network: HSA Core plan

Twin Cities Metro only

The Core network includes providers affiliated with:

• M Health Fairview
• North Memorial Health

If you enroll in the HSA Core plan network and travel outside the 11-county Twin Cities Metro area, you may receive care from a Choice Plus network provider at network rates.

Example: Pat lives in Dakota County, Minnesota. Pat enrolls herself and her daughter, Ella, in our medical plan with the Core network. If Ella needs medical care while she is away at school in Colorado, she can visit a Choice Plus network provider and receive care at network rates. If Ella needs care when she returns to Dakota County, she must receive care from a provider in the Core network.

Your costs for care

The deductible is the same for both medical plan networks. After you pay the deductible, the plan (IDQ) pays the entire cost of any other care you receive from network providers. There is no coinsurance or copayment for network medical care.  (Learn about these terms and how IDQ shares the cost of your benefits.)

If you choose a nonnetwork provider, you will pay more.

• You will be responsible for a higher deductible. The amount you pay toward the nonnetwork deductible does not count toward your network deductible.
• You will be responsible for paying a share of your costs after you pay the deductible.

Provider look-up

Want to find network providers before you enroll for benefits? Use the UHC provider search tool.

• Choose Medical Directory > Employer and Individual Plans > Shopping Around.
• On the next screen, you can select the network you want to search.

• • Choose Choice Plus (nationwide) or Core (Twin Cities Metro only).

  • There are other networks with similar names. Be sure you choose the right one.

Use the same search path to find behavioral health providers.

• You do not need to select a network for behavioral health provider searches.
• The dental provider search that appears on the UHC page does not apply to our coverage.

Online access to plan information, spending accounts and wellness tools

You can set up a personal profile at myuhc.com. Use the website or app to get the most from your benefits, including your health savings account and flexible spending account. Each family member you enroll for coverage can create a personal UHC account.

• Compare providers and costs of care, with details specific to your coverage.
• Review explanation of benefits statements (EOB).
• Track your spending toward your deductible.
• Manage your health savings account and pay bills from your account.
• Submit claims for reimbursement from your flexible spending account and/or dependent care account.
• Schedule virtual visits.
• Get information tailored to you, such as recommendations for health screenings, wellness programs and more.
• Learn about discounts and support programs for better health.

Need help logging in? Contact UHC technical support at 877-844-4999 or click Contact Us on the myuhc.com site.

No-cost preventive care

Preventive care is available at no cost to you. We pay 100% of your preventive care costs when you see a network provider.

• Preventive care for children includes wellness exams, vision screenings and recommended immunizations, as well as risk-based assessments.
• Adult preventive care includes a basic health exam and screenings, screenings for some cancers and diseases, blood tests for cholesterol and lipids, some tests during pregnancy and some immunizations.
• UHC offers a preventive care checklist and information to help you prepare for your appointment.
• Learn what is billed as preventive care before you visit your health care provider, so you know what to expect. UHC offers a guide to preventive care as well as a comparison between preventive and diagnostic care. 
• Review the list of preventive screenings for men and women.
• Need more detail?  Review the Preventive Care Services documentation.

Virtual visits for medical and behavioral or mental health

The Federal government passed legislation in 2025 reinstating IDQ’s ability to cover telehealth and virtual visits for medical and behavioral health at 100% before the deductible.   

Skip the travel time and waiting room and save money on care with virtual visits and telehealth care.

• Physician service fees for telehealth and virtual visits are covered at 100% by the plan.
• In-person follow-up care and prescriptions remain subject to your plan deductible.
• Always call 911 if you believe there is a medical emergency.

Telehealth care is available to you when you receive care via telephonic or video chat from your UHC network primary care provider or a specialist. Schedule directly with your provider. View appointment options - including evening and weekend options - when you choose a provider.

Virtual visits are provided by UHC partners. For general virtual care, use Doctor on Demand, Teladoc, or Amwell. For primary virtual care, use Doctor on Demand or Galileo. You must login to at myuhc.com or use the UHC app to receive this care. View appointment options - including evening and weekend options - when you choose a provider.

Virtual medical visits are available 24/7 without an appointment. Your wait time is usually 15 minutes or less. Many providers can send a prescription to your local pharmacy if you need one (subject to the prescription cost sharing for our plan). Virtual medical visits can be a good choice for a variety of nonemergency conditions. View costs and appointment options - including evening and weekend options - when you choose a provider.

• Allergies, sinus problems and rashes
• Bladder infection or urinary tract infection
• Cold, bronchitis or flu
• Eye irritations or redness
• Headache, migraine, fever, sore throat or stomachache
• Assessing the severity of your symptoms and whether you need additional care

Help understanding health care terms

Make informed decisions about your care when you understand what health care terms mean. Go to justplainclear.com to search for simple definitions to health care terms. UHC offers this glossary at no cost to you, with no login required. It is available in English, Spanish , Portuguese and Chinese.

Plan documents

To learn more about your benefits, read the Summary of Benefits and Coverage (SBC) for your medical plan option.

Prescription benefits

Express Scripts administers our pharmacy plan. RxBenefits, an Express Scripts partner, provides customer service support to help you understand your benefits and coverage. 

How Express Scripts works with you

Visit express-scripts.com or use the app. Create your personal login for full access.

• Look up costs. Go to Prescriptions > Price a Medication
• Manage your medication refills
• Learn about your medications
• Search for retail pharmacies in the National Plus network and compare prices
• Order home delivery of 90-day refills for medications you take regularly

If you aren't enrolled in our plan yet, you can visit a preview site to locate a network pharmacy and learn about covered medications.

How RxBenefits works with you

Call or email RxBenefits for answers to questions about your benefits.

• Questions you or your pharmacist have about your coverage
• Help setting up prescription home delivery (mail order) services
• Prior authorization (if required) for medication coverage
• Help finding network pharmacy locations

800-334-8134
Monday to Friday, 7 a.m. to 8 p.m. CT
customercare@rxbenefits.com

Benefits ID card

Your pharmacy benefits information is included on your UHC benefits ID card. It shows your coverage with Express Scripts, so that pharmacies can look up your coverage and bill your prescriptions correctly. If you or your pharmacist have questions about your coverage, call the pharmacy claims number listed on your UHC benefits ID card (back of the card, at the bottom).

Price Assure and Good Rx

Using another prescription coupon or discount plan?

If you use prescription coupons, savings cards, rebates or other discounts, submit a coordination of benefits form to Express-Scripts to be sure your costs count toward your medical plan deductible.

• Coupon codes replace your insurance code when you pay.
• That means your costs don’t get credited to your medical plan deductible unless you submit a coordination of benefits form (Express Scripts claim form).
• To qualify, your prescription(s) must be eligible for coverage under our plan, and you must pick them up from a network pharmacy. Find information about covered medications and network pharmacies at express-scripts.com.

Need details? Check out your benefits Contacts and Resources.

First look: plan features

Our plans include options to help you save money on the costs of health care.

A health savings account (HSA) offers financial benefits.

A limited-purpose flexible spending arrangement (FSA) allows you to use money tax free for some dental and vision care expenses.

• The IRS sets limits each year on how much you can contribute.
• The amount you choose to contribute reduces your taxable income.
• You can pay for eligible expenses you incur – but you forfeit any funds you don’t use. (That’s an IRS rule.)

A dependent care flexible spending account (FSA) helps you save money on the costs of child or adult care expenses while you work or attend school full time.

• Contribute up to $7,500, depending on your tax filing status.
• The amount you contribute reduces your taxable income.
• Calculate your expenses carefully. You forfeit any funds you don't use. (That’s an IRS rule.)

Learn more

• Read on for a deeper look at the plan details and funding parameters.
• Review this year’s HSA contribution limits.
• Read the plan documents available in the Resources section of this guide.
• Questions? Contact the IDQ Benefits Contact Center, Optum Bank or UHC.

Deeper look: plan details

Health savings account (HSA)

Your HSA is an integral part of our medical plan options. It is a bank account you own. Optum Bank administers our HSA. Optum Bank is part of UnitedHealth Group. Your optumbank.com login is the same as your login for myuhc.com.

How your HSA benefits you

Get a triple tax advantage. You don’t pay taxes on the money you deposit in your HSA. You don’t pay taxes on interest or investment earnings. And you don’t pay taxes on any amount you use to pay qualified medical expenses.

Use the money now. You can use the funds in your HSA for qualified medical expenses. You may use the funds for your own expenses. You may use the funds for expenses for your spouse or children you claim as tax dependents, even if they are not enrolled in our medical plan. Qualified expenses include deductibles, coinsurance costs, prescriptions, orthodontics, eyeglasses, contact lenses and more. You can even use the funds for some over-the-counter products. Review common qualified expenses and the IRS guidance. Visit the Resources section of optumbank.com for additional guidance.

Save for tomorrow’s expenses. Once your HSA balance reaches a designated amount, you can invest some of the funds toward future costs, such as the cost of health care when you retire. Any investment growth you earn remains tax free just like the rest of the account. The balance that qualifies for investment options will depend on your account terms. Investment information is available when you view your account at optumbank.com.

All of the money is yours to keep. You keep any funds you deposit, the funds we pay into your account and the interest and investment gains you earn. There is no year-end “use it or lose it” rule. Any funds you don’t use remain in your account. There is no lifetime maximum on the amount you may accumulate. The account and all of the funds remain yours to manage and use even if you are no longer enrolled in the medical plan or you stop working for IDQ.

How you fund your HSA

Get contributions from IDQ. We establish the account on your behalf with Optum when you enroll in our medical plan.

• We contribute to your account even if you don’t. The amount of the contribution depends on your enrollment tier – whether you choose employee-only coverage or include your dependents in your coverage.
• We make the contribution to your account on a per-pay-period basis. It is a flat dollar amount, not a matching contribution. You will receive a prorated contribution if you are not enrolled in the medical plan for the full calendar year or if you change enrollment tiers during the year due to a qualifying life event.
• If you are enrolled in our medical plan now, you already have an Optum HSA. You will set the amount of your contribution for next year during the annual enrollment period in November. You can change your contribution amount at any time throughout the year.

Choose how much to save. You can choose the amount you will add to your account. The IRS limits how much you can contribute to your HSA each year. The IDQ contribution counts toward the maximum.

Save even more if you are nearer to retirement. If you are 55 or older as of Dec. 31, 2026, and are not enrolled in any part of Medicare, you can contribute an additional $1,000 to your HSA.

Use funds for qualified expenses

Consult your tax adviser if you have questions about qualified expenses. You may be subject to taxes and/or penalties if you withdraw HSA funds for unqualified expenses.

Most IDQ employees qualify

You must enroll in our medical plan to have an HSA account through the plan. Most taxpayers are eligible for an HSA. You are not eligible if any of the following situations apply to you.

• You can be claimed as a dependent on another person’s taxes. Generally, this excludes children under age 19 (or 24 for students) or other household members with limited income who are supported by the taxpayer.
• You have other medical coverage (unless it is a qualified high-deductible health plan), such as coverage under your spouse’s health plan, your parent’s plan, a flexible spending account (FSA) that is not limited purpose, a health reimbursement arrangement (HRA), Medicare* or Tricare.

You will complete a qualification questionnaire when you enroll for benefits or change your enrollment due to a qualified life event. If you do not qualify for the HSA, you will not be able to contribute to the account and IDQ will not contribute on your behalf.

*See DQ4U for a collection of Medicare resources: Employee Hub > DQ4U > Search: Medicare resources.

Pay for expenses online or with your HSA debit card

It’s easy to use your HSA funds to pay for qualified expenses.

Pay online. When you log in to your UHC member account, you will find a single dashboard where you can view your medical care expenses and your HSA (and your FSA, if you enroll in that benefit). You can apply your HSA funds to your medical expenses at that site. You also can submit requests for payments for other qualified expenses.

Pay by debit card. You can use your HSA debit card to pay for eligible expenses, up to the balance in your account.

• When you enroll in our medical plan coverage for the first time, you will receive an HSA debit card in the mail at your home.
• If you already have an Optum HSA debit card (if you were enrolled in our medical plan this year), continue to use that card. You will not receive a new card until the current card expires.

Designate your beneficiaries

Make the most of your account

Optum Bank provides several resources to help you understand and make the best use of your HSA.

Continue to use your HSA login at optumbank.com or use one-stop access to your medical plan and HSA at myuhc.com.

Limited-purpose flexible spending arrangement (FSA)

Use a flexible spending account to set aside money tax-free to use toward your dental care and vision care. UHC administers the account but you do not have to enroll in the medical plan to use an FSA.

• Contribute up to $3,300 to your FSA via payroll deduction. The IRS sets contribution limits annually.
• Money you contribute to your FSA reduces your total taxable income.
• Use the funds to pay for dental and vision care expenses.
  • Orthodontics (braces), oral surgery, dental cleanings, crowns and filling
  • Eyeglasses, contacts, or vision surgery, including laser vision correction (LASIK)

Pay for eligible expenses

There is no debit card for the FSA. You can receive reimbursement from your FSA for eligible expenses you incur from Jan. 1, 2026, through March 15, 2027.

• Submit reimbursement claims until March 31, 2027.
• You lose any money you don’t spend. This is an IRS rule for this type of account. Track your spending so you can submit reimbursements by the deadline.
• Access your account balance and submit reimbursement claims online through your UHC member account.

Need details? Check out your benefits Contacts and Resources.

First look: plan features

Delta Dental of Minnesota administers our dental plan for all employees. While the plan has Minnesota in its name, it offers national provider networks.

• There is no cost to you for most diagnostic and preventive care.
• You share the cost of other services.
• There are three tiers of cost sharing for other services, depending on the provider you choose.

Learn more

• Read on for a deeper look at the plan details.
• Review the premiums and cost sharing.
• Read the plan documents available in the Resources section of this guide.
• Brush up on your cost sharing terms.
• Learn the advantages of a limited purpose flexible spending arrangement (FSA) for dental care and vision care costs.
• Questions? Contact the IDQ Benefits Contact Center or Delta Dental.

Deeper look: plan details

Your costs for care

You may choose to receive dental care from the plan’s preferred provider organization (PPO) network, which has no deductible. If you choose care from the Premier network or a nonnetwork provider, you will be responsible for paying a deductible before the plan (IDQ) pays for your care. We pay the full cost of your diagnostic and preventive care, with no deductible. You will pay coinsurance for some dental care.

Network coinsurance

If you choose a provider who is in the PPO or Premier network, you will pay less for your care.

• These dentists have agreed to accept a negotiated rate for services as part of being in the network. Your coinsurance is a portion of that negotiated cost.
• You are not responsible for any charges that exceed the negotiated rate.
• The negotiated rate for a service and your share of the cost will be lower in the PPO network.

Nonnetwork costs

If you choose to use a provider outside of the networks, you will pay more for your care. The nonnetwork provider may charge more than the negotiated rates for network providers. In addition to your share of the negotiated rate, you also are responsible for any charges over the negotiated rate if you use a provider who is not in network.

Plan maximums

Consider the benefit limits for the type of care you need. The plan maximum is the limit on how much Delta Dental will pay for your care each calendar year. Limits vary depending on the provider you choose.

Understanding your benefits

Create a Delta Dental member login. Use the website or app to manage your benefits.

• Find a dentist.
• View benefits information, estimate the cost of care and check your claims.
• Learn about better oral health.
• Print extra benefits ID cards.

Review an example of differences in your cost sharing when you use a network or nonnetwork dentist.

Need details? Check out your benefits Contacts and Resources.

First look: plan features

Our vision care plan offers you savings on eye exams, prescription glasses, contacts and laser vision correction surgery. EyeMed Vision Care administers our vision plan.

• Using providers in the EyeMed Insight network saves you time and money.
• You will be responsible for a copayment for care from network providers.
• There is no deductible and no coinsurance for the plan.
• If you do not use a network provider, you will pay out of pocket then you may submit a claim for reimbursement up to the plan limits.

Learn more

• Read on for a deeper look at the plan details.
• Review the premiums and cost sharing.
• Read the plan documents available in the Resources section of this guide.
• Learn the advantages of a limited purpose flexible spending arrangement (FSA) for vision care and dental care costs.
• Questions? Contact the IDQ Benefits Contact Center or EyeMed.

Deeper look: plan details

Your costs for care

There is no deductible and no coinsurance for the vision care plan. You have a copayment for care from network providers. The plan uses the Insight Network.

If you choose a nonnetwork provider, your copay will be higher. The plan allowance will be lower.

• You will pay more for your glasses or contact lenses.
• You will pay the full cost of your care, then you may submit a claim for reimbursement within the plan limits.

Use the website or mobile app to get the most from your benefits.

Network providers

Find an Insight network provider at the EyeMed website.

• Create a personal account on the site.
• Order glasses or contacts from an online, in-network provider.
• Print a benefits ID card, if you wish. You do not need a benefits ID card if you use a network provider.

Eye health and wellness

Learn about eye health, vision technology, and vision-related conditions at the EyeMed wellness site.

Need details? Check out your benefits Contacts and Resources.

First look: features

We offer a variety of resources and tools that support whole-person wellness for you and your family.

• Paid time off. Paid time away from work for eligible employees includes sick time, vacation and personal time, holidays, parental leave and volunteer time.
• No-cost second opinions. Need another perspective on a serious health concern? Get an expert second opinion on care, treatment options and condition progression with a phone or video consultation at no cost to you (if you are enrolled in the medical plan).
• Support for medical conditions. When you are enrolled in our medical plan, you receive specialized support for better health.
  • Maternity support
  • Diabetes management
  • Cancer support
  • Care after a hospital stay
• Muscle and joint pain relief. Use the Kaia app to get individual coaching on exercises to relieve muscle and joint pain. It is available free to anyone enrolled in the medical plan.
• Hearing services. Learn whether you may have a hearing problem and get the resources and care you need.
• Mental and behavioral health support. Get expert guidance on any life issue.
  • Our employee assistance program is available to any employee and family member, even if you are not enrolled in or eligible for other benefits.
  • Our medical plan also includes mental and behavioral health support in person and via virtual, telehealth or app services.
• Emergency assistance when you travel. Travel with confidence, knowing you can get expert help from anywhere in the world if you or someone you are traveling with experiences a medical emergency.

Learn more

• Read on for a deeper look at each of your well-being benefits.
• Review the plan documents available in the Contacts and Resources section of this guide.
• Questions? Contact the IDQ Benefits Contact Center or the plan provider for the benefit you need.

Deeper look: details

Paid time off

Paid time away from work benefits your well-being and the well-being of your loved ones, colleagues and community.

Corporate and field employees, restaurant management

We offer a generous package of paid time off (PTO) for corporate and field employees and for our restaurant managers and assistant managers.

What’s included in your paid time off

• Two personal days to use however you’d like, such as celebrating your birthday, taking a mental health break or honoring a holiday that’s important to you
• Five weeks of paid parental leave (as well as short-term disability leave for the birthing parent)
• Eight hours of paid volunteer time
• Six days of paid sick time
• Three to five weeks of paid vacation, based on your years of service
• Paid holidays

Paid time off restaurant management

Restaurant shift leads and crew

• Shift leads are eligible for two paid days off per year to use as you wish.
• Review the employee handbook for information about eligibility and accrual for other paid time off benefits and for information about the Paid Parental Leave Policy. 

UKG app > Menu > Company > News & Information > Employee Handbook – Corporate Restaurants

Get an expert second opinion at no cost to you

When you have a critical health concern, you may want a second opinion on your care, treatment options or progression. With 2nd.MD, you can meet by phone or video with a board-certified doctor who specializes in your condition. The second opinion service is available to anyone enrolled in the medical plan. 

• There is no cost to you for the service.
• Create your account online, download the app or call 866-269-3534.
• Explain your condition to a nurse coordinator.
• Talk with the expert for a second opinion.
  • Schedule the consultation at the time that’s best for you. Weekend and evening appointments are available.
  • Discuss your diagnosis, treatment plan, alternatives to surgery, questions, pain management, new treatment options, and more.

Extra support for health conditions

When you enroll in our medical plan, you benefit from one-on-one support from UHC to support your health, healing and treatment.

• If you have a chronic health condition (such as heart disease, asthma, or kidney disease), you can learn more about your condition and how to manage it effectively.
• A UHC nurse may contact you by phone if your health history indicates that a support program or additional resources might help you.
• You can contact UHC directly to learn about these programs and services. 

Maven for additional maternity support

All UHC members have free access to Maven, a program that specializes in virtual maternity and postpartum support. Maven provides personalized and engaging whole family support throughout pregnancy and three months postpartum, including:

• Dedicated care advocacy, referrals to in-person care and care plans for all maternal risk levels.

• 24/7 access to virtual specialists across 30+ specialties, including doulas, mental health professionals, career coaches, and lactation consultants.

• Engaging content and communities through live classes and thousands of articles and videos.

Diabetes management

Get help for yourself or a family member managing diabetes and related conditions (such as high blood pressure, high cholesterol, or prediabetes). You’ll have access to resources that can help you manage your condition, improve your health and feel better.

Someone from the UHC program may call you about diabetes management services, or you can call UHC at 844-333-8728 to learn more. Have your benefits ID card available when you call.

Cancer support

Get guidance and support from a UHC nurse trained in oncology (the diagnosis and treatment of cancer). The program can assist you at any stage, from a new diagnosis through treatment. Access a learning library of articles and videos, get help in understanding your treatment options and best facilities for care, and talk with a nurse about your questions. Learn about the UHC Cancer Support program services, login for details, or call 866-936-6002. Have your benefits ID card available when you call.

Care after a hospital stay

If you’ve been hospitalized, a UHC nurse may call you after you return home. The nurse can help you understand what to do to care for yourself at home, ensure you are taking your medications correctly and help you find medical equipment or other resources to support your recovery.

Hearing tests and care

UHC hearing services are available to you if you are enrolled in the medical plan.

• Take a short, free online hearing evaluation.
• Schedule a professional hearing exam and treatment consultation.
• Already have a recent hearing test? Upload the results to find virtual care or schedule an in-person appointment for care.
• Learn about causes of hearing loss and treatment options.
• Get help understanding a family member’s hearing loss and treatment choices.
• Connect with providers who can help you find the best solutions for your needs.

Support through life’s challenges — employee assistance program (EAP)

Our employee assistance program provides guidance from trained advisers on just about any issue that affects your mental, physical, social and financial well-being. Telus Health administers our EAP. 

No other benefits enrollment needed

• You do not have to be enrolled in any other benefit plan to use Telus Health.
• The resources and services are confidential and independent of IDQ.
• There is no cost to you for using Telus Health.
• Any member of your family may use the resources. 

Your Telus Health resources are available to any member of your family, even if you are not enrolled in any other IDQ benefit plan.

Any issue, anytime support

• Connect with a Telus Health professional 24/7.
• Call 800-433-7916, explore online or use the app.
• Add the app to Teams.

• Personal and emotional: stress, anxiety, depression, suicide risk, self-esteem, anger, life stages, post-traumatic responses
• Family: parenting, child and adolescent behavior, blended families, elder care, extended family relationships
• Couples and relationships: intimacy issues, separation and divorce, couples’ communication, planning a family
• Work: time management, career development, work conflicts or stress, managing people, preparing for retirement, workplace violence or harassment
• Health: alcohol use, drug use, tobacco use, gambling, someone else’s addiction, fitness, nutrition, disabilities, stress management, sleep
• Life management: searching for childcare, assessing eldercare needs, exploring post-secondary college or career options and financing, planning an adoption, saving, investing, budgeting, managing debt, buying a home, renting, estate planning, bankruptcy

Personal account and added perks

Create a personal account online with a private login (and download the app, if you wish). With a personal account, you gain access to extra benefits, including a daily well-being playlist and personalized recommendations for improving your well-being. You also gain access to discounts, promo codes, cash back offers and other savings on a variety of products and services through your account.

Additional mental and behavioral health resources

Immediate help – call or text 988

If you or someone you know is in crisis, dial 988 for immediate, free, confidential support from a trained professional.

• The 988 Suicide & Crisis Lifeline (formerly known as the National Suicide Prevention Lifeline) provides free and confidential emotional support to people in suicidal crisis or emotional distress 24 hours a day, 7 days a week, across the United States.
• Support also available via text at 988 and by chat.
• Find resources and learn how to advocate for suicide prevention.

Talkspace online therapy

Anyone enrolled in our medical plan has access to one-on-one counseling from a licensed therapist via Talkspace.

• Counseling available 24/7 via text, phone or video.
• Register with your UHC benefits ID.

If you or someone you know is experiencing a mental health crisis, call or text 988 for immediate help.

Calm Health for support managing stress, anxiety and depression

Calm Health is a widely recognized mental well-being app with resources for sleep, meditation, and mindfulness. It is available to you and your family at no cost if you register for a Calm account through myuhc.com. Once registered, you may continue using the website or download the Calm Health app and sign in. In addition to all of the great content, you will also have access to new features and benefits like mental health screenings, self-guided learning modules, evidence-based content, and referrals.

Medical assistance when you travel

• Assist America can provide medical assistance when you are traveling for pleasure or business. The service is provided at no cost to all benefits-eligible employees. You do not need to enroll for coverage.
• Zurich Travel Assist can help when you travel more than 100 miles from home for business. 

Assist America

You may use the service whether you are traveling for pleasure or business. You have 24/7 access to assistance you may need if you experience a medical issue when you are 100 or more miles from home.

• Prescription replacement
• Referrals to Western-trained, English-speaking medical providers
• Hospital admission
• Critical care monitoring
• Emergency medical evacuation
• Transportation for a friend or family member to join a hospitalized patient
• Emergency message services
• Legal and interpreter referrals
• Care and transportation for minor children
• Assistance with vehicle return
• Passport replacement

You must arrange for services through Assist America for the coverage to apply. Assist America pays for all the services it provides. You may not submit claims for reimbursement.

Add the phone number to your contacts so you have access when you need it.

• Within the United States: 800-872-1414
• Outside the U.S., country access code + 609-986-1234
• Email: medservices@assistamerica.com
• Visit: assistamerica.com

Reference number 01-AA-UN-762490

Need details? Check out your benefits Contacts and Resources.

First look: benefit features

We offer a variety of benefits and services that can help you protect your financial well-being.

We pay the full cost of some of these benefits.

• Short- and long-term disability insurance
• Basic life insurance

We also provide you with access to other financial benefits, often at preferred rates. You can choose the options that are right for you. These types of plans sometimes are called voluntary benefits because you pay the cost of the benefits when you choose what you need.

Learn more

• Read on for a deeper look at each of your well-being benefits.
• Review the premiums for each plan.
• Review the plan documents available in the Resources section of this guide.
• Learn about your retirement benefits (401k).
• Questions? Contact the IDQ Benefits Contact Center or the plan provider for the benefit you need.

Short-term and long-term disability benefits

We provide short-term and long-term disability benefits at no cost to you. Unum administers our plans.

Short-term disability

Short-term disability benefits replace a portion of your income if you are medically unable to work for more than a week.

• There is a seven-day elimination period. This means that your benefits begin after you have been unable to work for seven calendar days. Your benefits will begin on the eighth day.
• You are eligible to be paid 67% of what you were earning before you became disabled. This is taxable income.
• Your benefits will extend up to 25 weeks as long as you remain medically unable to work. The seven-day elimination period does not count toward the 25-week limit.
• If you are giving birth, your short-term disability coverage coordinates with your parental leave benefits. The parental leave policy also provides benefits for the parent who is not giving birth. View the Parental Leave Policy here or in the employee handbook.
• Short-term disability benefits coordinate with all state paid medical and family leave benefits.

Long-term disability

Long-term disability benefits replace a portion of your income if you are medically unable to work for more than half a year (that is, beyond the period covered by the short-term disability benefits).

• You are eligible to be paid 60% of what you were earning before you became disabled. Your maximum benefit is $7,000 per month.
• You may receive benefits for up to 24 months if you remain medically unable to do your job. If you are medically unable to work at any job, you may be eligible for an extended benefit period.
• We pay the full cost of your benefits. The cost is included in your taxable income. Therefore, you do not pay income tax on the benefit amount. 
• Your long-term disability payments may be adjusted if you also are receiving Social Security benefits, workers’ compensation or other benefits.

Life insurance

We provide basic life insurance at no cost to you. The benefit is equal to your annualized earnings, up to $300,000. You may elect additional coverage.

The company pays the premium for your basic life insurance. The IRS requires that we count the value of that premium as imputed income for insurance amounts over $50,000. That means you will pay income tax and Social Security tax. The amount of the tax is based on the value of the coverage (the amount over $50,000) and your age. It follows an IRS formula. Consult your tax adviser for additional information. 

Beneficiaries

When you enroll for benefits, you will be asked to verify or update beneficiaries for your life insurance. If you have elected coverage for any dependents, you are automatically listed as the beneficiary of that coverage. 

Additional coverage (voluntary benefit)

You may purchase additional life insurance for yourself in increments of $10,000. You may purchase coverage up to five times your annual base pay, or $500,000, whichever is less.

• If you choose additional coverage for yourself, you also may choose coverage up to the same amount for your spouse, in increments of $5,000.
• If you choose additional coverage for yourself, you also may choose coverage up to $10,000 for your children, in increments of $2,000.

Your costs of coverage are based on the age of the person you insure. Your cost of coverage will be higher if you use tobacco.

Age-related reduction in benefit

Your benefit for company-paid life insurance benefit will decrease by 50% when you are 70 years old. Your benefit for additional coverage (voluntary life insurance) will begin to decrease when you are 65 years old. These reductions are outlined with the costs of coverage and in the plan document.

Maintaining your life insurance if you leave IDQ

If you stop working for IDQ, you may continue your term life insurance coverage or convert it to an individual whole life insurance policy. Review the plan document and learn about benefits continuation, portability and conversion. 

Evidence of insurability

You will be required to provide evidence of insurability (EOI) for certain levels of life insurance. That means you must complete a questionnaire when you enroll. You will answer questions about your basic health (and your spouse’s health, if you choose coverage for your spouse that requires evidence of insurability). If you are approved for coverage, your benefits election and payroll deduction will be updated automatically.

EOI required

• If you waived coverage in the past and are enrolling for coverage now
• If you choose a higher level of coverage than you have now
• If you are newly eligible for coverage (such as a new employee) and choose coverage over $150,000 for yourself or over $50,000 for your spouse

EOI not required

Accidental death and dismemberment insurance

Accidental death and dismemberment insurance (AD&D) can help you and your family cover expenses related to accidental injuries.

If you die as the result of an accident, the plan will pay benefits to the person or people you designate as your beneficiaries. When you enroll for benefits, you will be asked to verify or update beneficiaries if you already have AD&D coverage or to enter beneficiaries if you elect coverage for the first time this year. If you elect coverage for any dependents, you are automatically listed as the beneficiary of that coverage. You can change your beneficiaries at any time in Manage My Benefits.

If you elect AD&D coverage for yourself, you may also provide coverage for your spouse and/or children.

You may purchase AD&D coverage for yourself in increments of $10,000. You may purchase coverage up to five times your annual base pay, or $500,000, whichever is less.

• If you choose AD&D coverage for yourself, you also may choose coverage up to the same amount for your spouse, in increments of $5,000.
• If you choose AD&D coverage for yourself, you also may choose coverage up to $10,000 for your children, in increments of $2,000.

You are not required to provide evidence of insurability for AD&D coverage. 

Premiums and age-related decreases in benefits

Your premium depends on the amount of coverage you choose. Your benefit will decrease as you age. Learn about your coverage options.

Critical illness, accident and hospital indemnity insurance

We have transitioned our voluntary benefits (critical illness, accident and hospital indemnity benefits) from Unum to United Healthcare (UHC). This move provides greater value, is more cost-effective, and will be easier for employees to use.

You can choose coverage that may pay benefits if you are hospitalized, diagnosed with a critical illness or are injured in an accident.

• Enroll in each benefit separately. You pay the full cost of the benefits you choose.
• If you elect a plan for yourself, you may also provide coverage for your spouse and/or children under the same plan.
  • Spouse aged 17 to 64
  • Children birth to age 26, regardless of marital or student status
• Your premiums for the plans you choose will be deducted from your after-tax earnings. Benefits you receive from the plans are tax-free.
• You can keep the coverage even if you leave IDQ. Apply and pay premiums directly to UHC within 31 days of your coverage ending.

The benefit is a lump-sum cash payment, according to the terms of the coverage. The money is yours to use as you wish.

Wellness benefit

• Receive a $75 payment when you take a health screening test. Each person included in your coverage is eligible for the benefit.  A few examples of different types of screening tests are blood tests, chest X-rays, stress tests, colonoscopies and mammograms.

Critical illness

Critical illness insurance pays benefits after you or a covered family member has been diagnosed with a serious illness. Conditions eligible for coverage include:

• Cancer: invasive, non-invasive, skin
• Vascular conditions: coronary artery disease, heart attack, ruptured aneurysm, stroke, sudden cardiac arrest
• Organ failure conditions: bone marrow disease, chronic renal failure, heart failure, major organ failure
• Functional loss conditions: coma, loss of hearing, loss of sight, loss of speech, paralysis, severe brain damage
• Additional conditions: Addison’s Disease, benign brain tumor, Chron’s Disease, Myasthenia Gravis, severe burns, systemic Lupus Erythematosus, systemic Sclerosis
• Neurological disease conditions (diagnosis only): Alzheimer’s disease, amyotrophic lateral sclerosis (ALS), Huntington’s disease, multiple sclerosis, Parkinson’s disease
• Childhood conditions: cerebral palsy, childhood diabetes, cleft lip/palate, congenital heart disease, cystic fibrosis, down syndrome, muscular dystrophy, sickle cell anemia, spina bifida

Choose $5,000 or $10,000 coverage for yourself.

• Add your spouse at 50% of your benefit if you elect coverage for yourself.
• Your dependent children are included if you choose coverage for yourself, at 50% of your benefit.
  • Coverage for children also includes some childhood conditions, if they are diagnosed after the date their coverage begins.
    

Hospital indemnity

Hospital indemnity insurance pays benefits after you or a covered family member are hospitalized for a covered accident, illness or childbirth.

• $1,500 lump-sum payment after a qualified hospital or ICU admission, up to 3 times a year
• $100 additional payment for each day of the hospital stay, up to 364 days per year.
• $100 for each day inpatient for mental & nervous disorders as well as drug & alcohol addiction, up to 30 days per plan year and 300 days lifetime maximum.

Get details
Review the premiums and summary of benefits.

Accident insurance

Accident insurance pays benefits if you are injured in an accident. You will receive a lump- sum cash payment. There is no limit to the number of accidents the policy covers. The amount of the benefit depends on the nature of the injury.

Examples of conditions eligible for coverage
The list below is for illustrative purposes only and is not a full list of covered services. See the summary of benefits for specific information about coverage.

• Common injuries: burns, coma, concussion, dislocations, fractures, internal organ injuries, lacerations, medically induced coma, paralysis, ruptured/herniated disc, skin graft
• Surgery: abdominal/thoracic, cranial, joint replacement, ruptured/herniated disc, tendon/ligament/cartilage, eye, hernia
• Types of covered services for covered accidents:
• Initial care: ambulance, ER, urgent care, office visits
• Hospital care: hospital or ICU admission and inpatient stay
• Follow up care: chiropractic, certain durable medical equipment, follow up physician visit, home health care, diagnostic exams like MRI, CT, x-ray, labs, etc, prosthetic, rehabilitation confinement

Get details
Review the premiums and summary of benefits.

Legal services and identity protection

You may choose to enroll in a legal services plan, identity protection plan, or both. LegalShield and/or IDShield coverage are available to you, your spouse and your eligible children. Consult your benefits eligibility document for details and review the plan documents.

LegalShield

The LegalShield plan provides you with access to services from a law firm near you.

Once enrolled, you'll be assigned to the closest provider law firm, based on your home address. LegalShield contracts with 39 full-service provider law firms located regionally throughout the country.

Your cost for coverage is $7.27 per pay period. It includes coverage for you, your spouse and your eligible children.

• Advice and consultation: Demand letters, phone calls made on your behalf, legal research, and the ability to meet with your provider lawyer in-office or by phone.

• Family law: adoption and paternity, guardianship, name change, juvenile matters, prenuptial agreements, and more.

• Home: Deeds, home sales or purchases, easements, landlord/tenant matters (tenant only), foreclosures.

• Finance: Bankruptcy, collection letters, billing disputes, tax audit and collection, personal property protection, consumer protection, and more.

• Wills and Estate planning: Wills, living wills, trusts, powers of attorney, and physician’s directives.

• Motor Vehicle: Moving traffic violations, license reinstatement.

• Other: Contract and document review, 24/7 emergency access for covered emergencies, free legal forms, and a mobile app.

IDShield

Get professional advice on protecting your identity – and professional help restoring it if you are a victim of identity theft. Your cost for coverage is $2.77 per pay period for employee-only coverage or $5.08 for family coverage. Coverage includes consultation and monitoring as well as investigative support and identity restoration.

• Monitors Personal Identifiable Information (PII), such as SSN, passport, driver's license, etc., and alerts you if any risk is detected.

• Assigns a licensed private investigator to help restore your identity to pre-theft status in the case of identity theft—including pre-existing events.

• Comes with an Identity Fraud Protection Plan, which can cover identity theft expenses up to $3 million.

• Assigns identity theft specialists available for consultation and advice about any identity theft or online privacy concern.

• Provides 24/7/365 emergency support and a mobile app, which you can use to check your monthly credit score, review identity threat alerts, and obtain emergency assistance.

Pet insurance

You have access to pet insurance at preferred rates through Nationwide. (Search by company name: International Dairy Queen.)

• You pay the cost of coverage directly to Nationwide, based on the terms you choose. Contact Nationwide for a no-obligation quote.
• Get care from any veterinarian.
• You pay your veterinarian at the time of your pet’s treatment, then submit a claim to Nationwide. 

Student debt advice

Get professional advice on paying off student loans. Use the online assessment from Empower Retirement to explore your options. There is no cost to you for the service.

• Take the assessment online using your Empower account (click My Financial Path at the top of the screen).
• Talk with a consultant by calling 888-411-4015.

You can learn the debt management options that are best for you. 

Need details? Check out your benefits Contacts and Resources.

First look: plan features

Our 401(k) plan helps you save money toward retirement.

• Empower Retirement administers the plan.
• IDQ contributes to your account.
• Choose before-tax or after-tax (Roth) options, or both.
• All of your contributions and earnings (including the IDQ match) are fully vested. That means they are yours to keep regardless of how long you work with IDQ. 

Learn more

• Read on for a deeper look at each of your retirement savings options.
• Review the plan documents available in the Resources section of this guide.
• Consult with your financial adviser before you make investments and to be sure you understand the tax implications of your options.
• Questions? Contact Empower Retirement or login at Empower Retirement.

Deeper look: plan details

Automatic enrollment and payroll deduction

You will be enrolled automatically in the retirement plan when you are eligible. Consult your benefits eligibility document for details.

You have 30 days to choose how much to contribute and how to invest your funds.

Choose how much to contribute

• Regular contribution:
  • Make your contributions as a percentage of your pay, in whole-number increments (such as 12% of your pay, not 11.5%)
  • You can elect to contribute up to $24,500 in 2026.
• Catch-up contribution:
  • If you are age 50 or older by Dec. 31, 2026, you may make a separate, additional (catch-up) contribution of $8,000.
  • If you are age 60-63 during 2026, you may make a separate, additional (catch-up) contribution of $11,250.
  • If you earned $150,000 or more from IDQ in 2025, your opportunity to make catch-up contributions will be limited to Roth, or after-tax contributions.

IDQ contribution to your account

We will contribute to your account when you meet the eligibility requirements and contribute to your 401(k). You receive the maximum contribution from IDQ if you contribute at least 6% of your pay to your 401(k.)

• You earn a 100% match on the first 2% of your income that you invest in your 401(k).
• You earn a 50% match on the next 4% of your income that you invest.

Before-tax or Roth options

You can contribute part of your before-tax pay to your 401(k) or contribute after-tax pay to a Roth 401(k) or you can contribute to both.

Before-tax contributions

A traditional 401(k) uses before-tax contributions.

• You don’t pay taxes on the money you invest or your earnings on those investments until you take a distribution from the plan.
• Generally, you can begin to take distributions from the account without a penalty if you are at least age 59½.

After-tax contributions

A Roth 401(k) uses after-tax dollars.

Take control of your financial future. Empower Retirement offers a variety of financial education resources.

Vesting: the funds are yours to keep

All of your contributions to our 401(k) plan are fully vested. That means the money is yours regardless of how long you work for IDQ.

Designate your beneficiaries

Login to your Empower account to designate beneficiaries for your 401(k). You must complete this designation separate from the beneficiary designations you provide during benefits enrollment. 

Need details? Check out your benefits Contacts and Resources.

IDQ Benefits Contact Center

833-357-2169
Monday to Friday, 7 a.m. to 10 p.m. CT

Your benefits eligibility

Eligibility – Corporate and Field Employees, Restaurant Management
Eligibility – Restaurant Shift Leads and Crew

Manage your benefits online

Manage your benefits transactions at Manage My Benefits.
Employee Hub > DQ4U > HR & Payroll Toolbox > Menu > Myself > Benefits > Manage My Benefits > Benefits > Current Benefits

Your medical plan

UnitedHealthcare - Group #: 925317

866-351-2009
myuhc.com

Cancer support
myuhc.phs.com/cancerprograms
866-936-6002

Diabetes management
844-333-8728

Hearing services
uhchearing.com

Maternity support
Maven program

Preventive care
uhc.com/health-and-wellness/preventive-care

Virtual visits
myuhc.com

RxBenefits
customercare@rxbenefits.com
800-334-8134

Express Scripts

express-scripts.com

2nd.MD

2nd.md/dairyqueen
866-269-3534

Premiums and coverage
Medical Plan — 2026 Premiums and Coverage
Prescription Benefits – 2026 Prescription Cost Sharing

Your HSA & FSA

Health savings account (HSA)

Optum Bank - Group #: HB2497B

optumbank.com or myuhc.com
866-234-8913

Flexible spending account (FSA)

UnitedHealthcare - Group #: 925356

myuhc.com
866-351-2009

Dependent care account (FSA)

UnitedHealthcare - Group #: 925356

myuhc.com

866-351-2009

Contribution limits
HSA — 2026 Contribution Limits

FSA — Claim Submission — Enrolled in UHC Medical Plan
FSA — Claim Submission — Not Enrolled in UHC Medical Plan
FSA — Limited Purpose Flexible Spending Account (Dental and Vision)
FSA — Summary Plan Description

Dependent Care — Dependent Care Flexible Spending Account
Dependent Care — Summary Plan Description

Your dental plan

Delta Dental of Minnesota - Group #: 100926-0001

800-448-3815
deltadentalmn.org

Premiums and coverage
Dental Plan — 2026 Premiums and Coverage

Plan documents and resources

Dental Plan — 2026 Summary of Benefits
Dental Plan — Find A Dentist
Dental Plan — Make the Most of Your Benefits
Dental Plan — Networks
Dental Plan — Member Portal and Mobile App

Your vision plan

EyeMed Vision Care - Group #: 1014194 

eyemed.com

866-723-0513

Premiums and coverage
Vision Plan — 2026 Premiums and Coverage

Plan documents and resources

Vision Plan — Summary of Benefits
Vision Plan — Summary Plan Description
Vision Plan — Certificate of Coverage
Vision Plan — Member Portal
Vision Plan — Mobile App

Your well-being benefits

Employee Assistance Program (EAP)

Telus Health (formerly LifeWorks)

800-433-7916 (24/7 access)

988 Suicide & Crisis Lifeline

(formerly known as the National Suicide Prevention Lifeline)
988lifeline.org
Call or text 988
Chat online

Talkspace Online Therapy

talkspace.com

Kaia Health

Relief for muscle and joint pain.

Assist America Emergency Travel Assistance

Unum

assistamerica.com
medservices@assistamerica.com
800-872-1414

Zurich Emergency Business Travel Assistance

Zurich

Well-being — Mental Health Resources Summary

Well-being — UHC Health & Wellness Program

Well-being — Paid Time Off — Corporate and Field Employees
Well-being — Paid Time Off — Restaurant Managers and Assistant Managers

Well-being — Maven Maternity Support
Well-being — Maven FAQ
Well-being — Maven High-risk Pregnancy Support

Well-being — Assist America Emergency Travel Assistance Brochure
Well-being — Assist America Emergency Travel Assistance Wallet Card
Well-being — Zurich Emergency Business Travel Assist Services
Well-being — Zurich Emergency Business Travel Assist Wallet Card
Well-being — Zurich Emergency Business Travel Assist Website & Mobile Guide

Your financial benefits

Insurance plans

United Healthcare (UHC) - Group #: 373331

Unum

unum.com

866-679-3054
Monday to Friday, 7 a.m. to 9 p.m. CT
Saturday, 8 a.m. to 4:30 p.m. CT

• Life insurance
• Short-term disability insurance
• Long-term disability insurance
• Volunteer life insurance
• Volunteer accidental death and dismemberment (AD&D) insurance

Premiums and coverage
Accident Insurance — 2026 Premiums
Accidental Death and Dismemberment Insurance —2026 Coverage and Age-Related Reduction in Benefits
Critical Illness Insurance — 2026 Premiums
Hospital Indemnity Insurance — 2026 Premiums
Hospital Indemnity Plan — Fixed Indemnity Notice

Plan documents and resources

Benefit Assist - Financial, Accident, Critical Illness, Hospital Indemnity

Accident Insurance — Summary of Benefits
Accident Plan — Welcome brochure with Wellness

Critical Illness Plan — Certificate of Coverage
Critical Illness Insurance — Summary of Benefits
Critical Illness Plan — Welcome brochure with Wellness

Hospital Indemnity Plan Certificate of Coverage
Hospital Indemnity Insurance — Summary of Benefits
Hospital Indemnity Plan — Welcome brochure

Premiums and coverage

Life Insurance — 2026 Premiums and Age-Related Reduction in Benefits

Plan documents and resources

Insurance — Additional Coverage Voluntary — Certificate of Coverage
Life Insurance — Additional Coverage Voluntary — Summary of Coverage
Life Insurance — Additional Coverage Voluntary — Unused GI
Life Insurance — Basic Plan — Certificate of Coverage
Life Insurance — Basic Plan — Summary of Coverage

Long-term Disability Insurance — Overview
Long-term Disability Insurance — Certificate of Coverage

Short-term Disability Insurance — Overview
Short-term Disability Insurance — Summary Plan Description

Parental Leave Policy

LegalShield/IDShield

LegalShield - Group #: 203733

benefits.legalshield.com/IDQ

888-807-0407

IDShield — Plan Services
IDShield — Summary
IDShield — Activate Your Account, Use Mobile App
IDShield — Rate Brochure
IDShield — 50 Reasons to Use IDShield
IDShield — Medical Identity Theft
IDShield — Protect Your Kids from Identity Theft
IDShield — Safeguard your Family's Online Privacy

LegalShield — 101 Reasons to Use LegalShield
LegalShield — Create Your Account
LegalShield — Legal Services Plan
LegalShield — Summary
LegalShield — Rate Brochure
LegalShield — How Legal Plans Improve Financial Wellbeing
LegalShield — Make a Will

Student debt advice

Empower Retirement

empowermyretirement.com

1-888-411-4105

Student Debt Service — Overview

Pet insurance

Nationwide

petsnationwide.com

877-738-7874

Pet — My Pet Protection Choice
Pet — My Pet Protection Choice - avian and exotics
Pet — How to apply
Pet — Pet Rx Express
Pet — Vetco
Pet — Vet Helpline

Your retirement benefits (401(k))

Empower Retirement - Group #: 194509-01 

empowermyretirement.com

1-888-411-4015

401(k) — 2024 Summary Annual Report
401(k) — Summary Plan Description
401(k) — Rollover Contribution Form
401(k) — Beneficiary Flier - Designate your beneficiaries
401(k) — Loan Caution Flier
401(k) — Loan Payment Change Request
401(k) — Annual Automatic Enrollment Notice

Notices

Important Notices — English
Aviso Importante — Important Notices — Spanish
2026 Illinois DOL Consumer Coverage Disclosure
ADQ Group Health Plan — 2024 Summary Annual Report
Telus Evidence of Coverage and Disclosure

HR contacts

General HR questions: hr@idq.com  
Payroll questions: payroll@idq.com

Escalated benefit issues, leaves of absence, worker’s compensation
Jennifer Steinbaugh, senior benefits and compensation analyst
952-830-0242
Jennifer.Steinbaugh@idq.com

Need details? Check out your benefits Contacts and Resources.