IN-NETWORKBENEFITS |
POS PLAN 1UHC Level Funded P2000i80LX21B |
HSA POS PLAN 2UHC Level Funded HP34002575i7026B |
Deductible |
Individual: $2,000
|
Individual: $3,400
|
Coinsurance |
You pay 20% (after deductible)
|
You pay 30% (after deductible)
|
Out of Pocket Maximum |
Individual: $5,000
|
Individual: $7,600
|
Office Visit Copay |
$25 PCP$75 Specialist$50 Urgent Care |
$25 PCP$75 Specialist$50 Urgent Care |
Preventive Office Copay |
Covered at 100% |
Covered at 100% |
Emergency Room Copay |
$300 copay+ 20% coinsurance (after deductible) |
$300 copay+ 30% coinsurance (after copay) |
Prescription Drug |
In-network:
|
In-network:
|
LEDFORD ENGINEERING
ENROLL IN YOUR BENEFITS
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.
HOW TO ENROLL
To simplify the enrollment process, 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 SPOTLIGHT
If you and your spouse are both employees of the company, only one of you may cover your dependent children. Additionally, you cannot be covered as both an employee and a dependent. You must each enroll either individually or together with one as an employee and one as a dependent.
BENEFIT TIP
In most cases, your benefit elections remain in effect for the entire year (January 1—December 31). During each annual enrollment period, you will have the opportunity to review your benefit elections and make changes for the coming year.
Certain coverages allow limited changes to elections during the year. These benefits include the Medical, Dental, and Health Care and Dependent Care Flexible Spending Accounts (FSA). Under these benefits, you may only make changes to your elections during the year if you have a change in family status and your benefit change is consistent with your change in family status.
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.
UNLOCK BENEFITS CLARITY
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.
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)
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.
WELCOME
WE'RE SO GLAD YOU'RE HERE!
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 include:
-
Your legal spouse;
-
Married or Unmarried dependents who are:
-
Your natural, adopted, legal guardianship and/or stepchildren from birth until the end of the month in which they reach the age of 26, regardless of whether they are eligible for another group health plan as an employee.
CHANGES
Changes to your benefits enrollment can only be made:
-
At the time of hire
-
During the annual enrollment period
-
January 1 effective date
-
-
Due to a Qualifying Life Event
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.
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?
Having correct First and Last names on hand is also helpful.
ENROLL
Contact the Office Manager
to complete your enrollment.
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)
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.
MEDICAL
2026 MEDICAL BENEFITS
Administered by United Healthcare.
LEDFORD is committed to offering a variety of medical benefits that provide generous coverage for employees and their covered dependents. We offer medical plans to fit your budget and needs.
For full plan details, please review the plan documents.
MEDICAL PLANS COMPARISON
WEEKLY RATES |
POS PLAN 1P2000i80LX21B |
HSA POS PLAN 2HP34002575i7026B |
Employee |
$33.29 |
$26.88 |
Employee + Spouse |
$64.97 |
$52.14 |
Employee + Child(ren) |
$61.81 |
$49.62 |
Employee + Family |
$96.65 |
$77.41 |
For full plan details, please review the plan documents.
VIRTUAL DOCTOR VISITS
WITH HEALTHIESTYOU
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
HAVE YOUR ID CARD
Have your UHC 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
2026 DENTAL PLAN
Administered by Delta Dental.
As part of the comprehensive health insurance coverage, we offer a Dental plan.
✨ If you have an HSA or FSA, you can use these funds to cover eligible expenses, such as your deductible or copay.
For full plan details, please review the plan documents.
SERVICES |
PREMIER DENTISTS |
NON-PAR DENTISTS |
Preventive Services |
Covered at 100% |
Covered at 100% |
Deductibles |
$25 per person |
$50 per person |
Preventative Services |
You pay 20% (after deductible) |
You pay 40% (after deductible) |
Basic Services |
You pay 50% (after deductible) |
You pay 60% (after deductible) |
Major Services |
You pay 50% (after deductible) |
You pay 60% (after deductible) |
Annual Maximum |
$1,500 per person/per year |
$1,500 per person/per year |
Orthodontic |
You pay: 50% (after deductible) |
You pay: 50% (after deductible) |
COVERAGE TIER |
RATE PER PAY PERIOD |
Employee |
$1.41 |
Employee + Spouse |
$3.00 |
Employee + Child(ren) |
$3.19 |
Employee + Family |
$5.01 |
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 United Healthcare.
We offer Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Eligibility in each plan will be based on enrollment. To learn more, watch "HSA vs. FSA."
For full plan details, please review the plan documents.
HEALTH SAVINGS ACCOUNT (HSA)
HSA OVERVIEW |
|
To be eligible you must:*Note: If your eligible dependent is covered under Medicare, you can continue contributing to the HSA |
• Be covered under a High Deductible Health Plan (HDHP) • Not be claimed as a dependent on someone else's tax return • Not maintain a Healthcare FSA • Not be enrolled in Medicare* • Not have received VA benefits within the past three months • Not have a spouse with an FSA plan through their employer |
Maximum contributions |
Single: $4,400 Family: $8,750 Catch-up: $1,000 (those 55+) |
Pre-tax contributions? |
Yes |
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: |
|
For full plan details, please review the plan documents.
FLEXIBLE SPENDING ACCOUNTS (FSA)
FSA OVERVIEW |
|
Eligibility rules: |
If you are enrolled in a High Deductible Health Plan (HDHP), you can only enroll in a Limited Purpose Flexible Spending Account |
Maximum contributions |
Healthcare and Limited Purpose: $3,400
Dependent Care: $7,750 |
Pre-tax contributions? |
Yes |
Availability of funds |
Healthcare and Limited Purpose: Available on day 1
Dependent Care: Funds must accumulate before using |
Use it or lose it? |
Yes, however, 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.
The Healthcare FSA allows you to roll over up to $680 of unused money into the next plan year. |
Can take it with you if you leave the company? |
No |
ELIGIBLE EXPENSESBeyond Your Plan Coverage |
|
Common examples |
|
Download information on Health Care and Limited 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.
RETIREMENT PLAN
2026 RETIREMENT BENEFITS
Administered by Strategic Financial Solutions (SFS).
Whatever the future looks like for you, are you saving enough money today to make your retirement dreams come true?
For full plan details, please review the plan documents.
RETIREMENT PLAN
401(K) RETIREMENT PLAN |
|
Eligibility |
You are eligible to participate in the plan at age 18 and you are allowed to enter the plan at the first day of the month coinciding with or next following the date you satisfy the eligibility requirements. |
Contributions |
You are allowed to make either Pre-Tax or Roth Contributions. |
Contribution Limits |
For 2026, the IRS retirement contribution limits are:
You will be able to change your deferral rate as frequently as you desire. |
Can I invest the money in my account? |
You are able to make changes to your investment allocations at anytime. |
When will my contributions be vested? |
The value of your contributions to the Plan and any earnings they generate are always 100% vested (including rollovers from previous employers). |
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.
LIFE & SUPPLEMENTAL
2026 LIFE & SUPPLEMENTAL BENEFITS
Administered by Mutual of Omaha.
We offer life and disability coverage to help you plan for your family's financial security.
For full plan details, please review the plan documents.
EMPLOYER PAID BASIC LIFE AND AD&D |
|
Basic Life and Accidental Death & Dismemberment |
Flat benefit amount of $25,000 paid by your Employer. No EOI Required. |
EMPLOYEE-PAIDLIFE AND AD&D |
BENEFITS |
GUARANTEE ISSUE** |
EOI Required? |
Employee |
Elect in increments of $10,000 up to a maximum of $250,000 or 5 times of your annual salary |
$50,000 |
Yes, for amounts over $50,000, unless you enroll when you first become eligible. |
Spouse |
Elect in increments of $5,000, up to $50,000 or 50% of employee elected amount |
$25,000 |
Yes, for amounts over $25,000, unless you enroll when you first become eligible. |
Children |
Increments of $1,000 for children 14 days and older. |
$10,000 |
No |
**Guaranteed Issue is the amount you can elect before you are required to complete a health questionnaire, otherwise known as Evidence of Insurability (EOI).
For full plan details, please review the plan documents.
DISABILITY BENEFIT |
SHORT-TERM |
LONG-TERM |
Weekly/Monthly Benefit |
100% of your weekly pay Up to $750 |
60% of your monthly pay Up to $5,000 |
Benefit Period |
26 weeks |
Social Security Normal Retirement Age (SSNRA) |
Elimination Period |
Benefits begin on: 1st day accident 8th day illness |
Benefit begins on 180-day elimination/waiting period |
Who pays for Coverage? |
Your Employer |
Employee |
DESIGNATE YOUR BENEFICIARY(S)
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
Contact the Office Manager to add or change your beneficiary(s).
For full plan details, please review the plan documents.
ACCIDENT INSURANCE BENEFIT |
|
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. |
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. |
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. |
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.
ANNUAL REQUIRED NOTICES
DENTAL DOCUMENTS
FLEXIBLE SPENDING ACCOUNT (FSA) DOCUMENTS
401(k) PLAN DOCUMENTS
LIFE INSURANCE DOCUMENTS
DISABILITY (STD) (LTD) DOCUMENTS
SUPPLEMENTAL INSURANCE DOCUMENTS
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?
CONTACT INFORMATION
Benefits contact information for when you need answers.
401(K) RETIREMENT DOCUMENTS
Strategic Financial Solutions (SFS)
(through Commonwealth Financial Network®)
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.
BENEFITS EDUCATION
BENEFITS EDUCATION VIDEOS
Understand confusing benefits terms by browsing our extensive video library.
BENEFITS BASICS
PRESCRIPTION DRUGS & WISE CONSUMER OF HEALTHCARE
MEDICAL
DENTAL & VISION
HEALTH SAVINGS ACCOUNT (HSA)
FLEXIBLE SPENDING ACCOUNT (FSA)
LIFE & SUPPLEMENTAL
DISABILITY INSURANCE
ADDITIONAL SUPPLEMENTAL
EMPLOYEE ASSISTANCE & WELLNESS
ADDITIONAL COVERAGES
FINANCIAL 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.
ENROLL TODAY!
ENROLL IN YOUR BENEFITS
Enroll in your benefits or change your existing enrollment.
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.
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.
