IN-NETWORK
BENEFITS |
Traditional Plan(PPO)
|
High Deductible Health Plan (HDHP) |
Preventive CarePreventive Care is defined by the Affordable Care Act (ACA). Visit HealthCare.gov to access a list of covered preventive services by gender and age. |
100% Covered |
100% Covered |
Can I use a HSA? |
N/A |
Yes |
Health Savings contribution |
N/A |
QCRH matches $1 for $1 up to $500 annually for HSA contributions through payroll deductions |
Office Visit Copay |
PCP: $30
|
PCP: DeductibleSpecialist: Deductible
Urgent Care: Deductible
|
Emergency Room |
$300 copay +
|
Subject to Deductible |
Prescription DrugDeductibleCost Per Tier |
$150 Single / $300 Family Deductible
|
Subject to Deductible |
Deductible |
Individual: $1,500
|
Individual: $2,000
|
Coinsurance |
You pay 30% (after deductible)
|
You pay 0% (after deductible)
|
Out-of-Pocket Maximum |
Individual: $5,500
|
Individual: $2,000
|
QCR Holdings, Inc.
WELCOME TO YOUR BENEFITS PORTAL
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
Open Enrollment
October 28 - November 9, 2026
This is your opportunity to make changes to your current health benefit elections for the 2027 plan year.
We partner with bswift (accessible in Paylocity). to simplify the enrollment process!
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.
WITH bswift
YOU CAN:
-
Enroll or re-enroll as a new hire and at open enrollment
-
Make changes to your benefits due to a Qualifying Life Event (QLE)
-
Add or remove dependents
-
Enroll in health care flexible spending account(s) as a new hire or at Open Enrollment
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
Human Resources Team
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.
As a New Hire at QCR, here is what you need to know:
-
Retirement options: You may begin contributions upon hire. However, your access is typically granted as part of your first payroll cycle. If you would like access sooner, reach out to me & I can manually create the account for you.
-
Beneficiaries: Please do not forget to designate a beneficiary. It is an important step to protect your investment.
-
Distribution: At end of employment, balances less than $5000 are automatically distributed & charged a $50 distribution fee.
-
-
30 day deadline for retirement elections: IF you do not login to Principal to elect your retirement contributions within your first 30 days, we will automatically defer 6% pre-tax to the 401K & increase that by 1% annually until you reach 15%. IF you want ANY other election, please login to Principal to make the election that works best for you.
-
15 day deadline for New Hire Benefit elections: You have 15 days from your hire date to complete your benefits enrollment. IF you miss the deadline, you will not be eligible to make changes until Open Enrollment in November unless you experience a Qualifying Life Event (QLE) such as marriage, divorce, birth/adoption of a child, etc.
-
Guaranteed Issue opportunities: As a new hire, you have a Special Opportunity for guaranteed issue with no Evidence of Insurability. These coverages may still be available at future enrollments BUT you would then be required to prove that you are healthy enough to receive the coverage for:
-
Long Term Disability
-
Voluntary Life Insurance (Employee up to $200,000, Spouse up to $50,000, & Child(ren) up to $20,000)
-
Voluntary Accidental Death & Dismemberment (ADD) (Employee up to $200,000, Spouse up to $50,000, & Child(ren) up to $20,000)
-
-
-
-
Individual vs family deductibles, Out of Pocket Maximum:
-
Individual is for a plan that covers only the employee
-
Family is for a plan that covers the employee & 1 or more family members.
-
Although it is more likely that multiple family members will contribute to meeting the family deductible, it is possible for one family to meet it alone because there is no individual limit within the family plan.
-
-
-
CALM App!:
-
Company Paid Subscription
-
Once signed up, can add up to 5 dependents (age 16 years or older). Note: must be via a computer, then each can download the app.
Important Notes:
- Your next opportunity to enroll in benefits (without a qualifying life event) is during open enrollment that is typically held in November for benefits that would be effective 1/1 of the new plan year.
-
If you are choosing not to enroll in benefits at this time, you will need to elect to waive coverage when completing your online enrollment in Bswift - accessible by visiting Paylocity.
-
As a reminder, the QCR medical plan no longer partners with UMR for administration. As of January 1, 2026, our third-party administrator is Consociate Health.
ELIGIBILITY
Benefits Effective Date
Most benefits are effective the first day of the month following 30 days from your date of hire.
The enrollment deadline is 15 days after your hire date or promotion effective date (unless noted).
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 (January 1 effective date)
-
and due to a qualifying 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
Enrollment requests must be received by Human Resources within 30 calendar days following the date of the event.
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 bswift/Paylocity.
ENROLL IN YOUR BENEFITS
You have 15 DAYS from your date of hire to enroll in your new benefits.
EDUCATE
Explore this portal and learn more about your benefits to make sure you and your family have the right protection for the next year.
Take time to review your benefits information and watch your new hire benefits presentation.
Ask questions if there’s anything you do not understand.
qcrh-benefits@qcrh.com
309-743-7721
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.
ENROLL
-
Log in to your Paylocity account
-
Use the instructions below to navigate to your enrollment in bswift
2
Click on the HR & Payroll tab in the top left corner.
3
From the dropdown menu, click on Bswift Benefits.
4
From the Enterprise Benefits page, click on Visit the Enrollment Center.
Click on the blue Enroll Now button.
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
Human Resources Team
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
2027 MEDICAL BENEFITS
Administered by Consociate Health.
QCR Holdings is committed to offering a variety of medical benefits that provide generous coverage for employees and their covered dependents.
As a reminder, the QCR medical plan no longer partners with UMR for administration. As of January 1, 2026, our third-party administrator is Consociate Health.
There has been some confusion among providers regarding who the insurance is through, who to verify coverage with, and where to submit claims. We hope this can help provide clarity in the event your providers ask questions.
Verifying Coverage
To verify coverage, your provider should call Consociate Health using the number on the front of your ID card.
The provider will need to drop the last two characters of your member ID number. These two characters indicate whether the cardholder is an eligible plan member - employee, spouse, or dependent.
Our health insurance is NOT through Aetna. If your provider calls Aetna to verify coverage, Aetna will not have a record of you.
The Aetna logo on the card indicates that the plan utilizes the Aetna Signature Administrators to determine in-network/out-of-network providers. If the provider is in-network through the Aetna Signature Administrators network, then they are in-network for our plan. This also means you benefit from the pricing stated in the contract between the provider and Aetna.
Claims Submission
Claims should be submitted to Consociate Health as indicated on the back of the card. Claims should NOT be submitted to Aetna. If your provider submits the claim to Aetna, it will be denied.
For full plan details, please review the plan documents.
MEDICAL PLANS COMPARISON
Traditional Plan(PPO) Coverage Level |
Bi-Weekly RATES |
TIER 1 |
|
|
Employee Only |
$84.25 |
|
Employee + Spouse |
$240.21 |
|
Employee + Child(ren) |
$216.40 |
|
Employee + Family |
$370.30 |
TIER 2 |
|
|
Employee + Spouse |
$388.79 |
|
Employee + Family |
$534.78 |
TIER 3 |
|
|
Employee Only |
$203.31 |
|
Employee + Spouse |
$478.33 |
|
Employee + Child(ren) |
$335.47 |
|
Employee + Family |
$608.42 |
High Deductible Health Plan (HDHP)Coverage Level |
Bi-Weekly RATES |
TIER 1 |
|
|
Employee Only |
$41.30 |
|
Employee + Spouse |
$116.96 |
|
Employee + Child(ren) |
$108.75 |
|
Employee + Family |
$173.92 |
TIER 2 |
|
|
Employee + Spouse |
$258.73 |
|
Employee + Family |
$327.05 |
TIER 3 |
|
|
Employee Only |
$160.37 |
|
Employee + Spouse |
$335.10 |
|
Employee + Child(ren) |
$216.46 |
|
Employee + Family |
$412.04 |
Please note:
There is a $25 surcharge per pay period added to the above premiums if your spouse has declined coverage under their employer offered plan and enrolled in the QCRH Plan.
What is Regenexx?
Regenexx uses your body's natural healing agents to replace the need for up to 70% of elective orthopedic surgeries using your stem cells and blood platelets to treat your damaged bone, cartilage muscle tendon and ligament issues.
Examples of injuries that can be treated:
-
Plantar fasciitis
-
Tennis elbow
-
Rotator cuff tears
- Collapsed/herniated disc
Contact a Regenexx Patient Liaison for more information:
- 866-336-2448
- or visit regenexxbenefits.com/qcrh
For full plan details, please review the plan documents.
TELADOC
Visit a doctor virtually anywhere, anytime.
Get treated for:
- Cold and flu
- Sore throats
- Allergies
- Fever
- Bronchitis, sinus infections
- Dermatology
- Urinary tract infections
- Pink eye
- Skin condition
- Headache
- Other conditions such as mental health (if covered by your health plan)
HOW TO GET STARTED
SET UP YOUR ACCOUNT
-
Visit TeladocHealth.com.
-
Scroll down and click:
-
Get Started, or
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Get the app
-
-
Complete the form.
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Leave "I have received a Teladoc code" UNCHECKED.
-
-
You can also call Teladoc at 1-800-Teladoc (835-2362) for help.
FIND YOUR COVERAGE
-
Confirm the coverage that has been matched to you by searching for your company.
-
Please note your care option through your employer group will pop up here if a match is found.
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If your current employer is not listed, click “Add new coverage".
-
-
Click "Next" to proceed with account setup.
CREATE & COMPLETE YOUR ACCOUNT
-
Provide your contact information.
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Create a username, password, and pick security questions to ensure your account is secure.
Teladoc |
|
When Should I Use Teladoc? |
1. If you are considering the ER or urgent care center for a non-emergency. |
Meet the Doctors |
All Teladoc doctors: |
What Conditions Does Teladoc Treat? |
Teladoc doctors can treat many non-emergency medical conditions including: |
HEALTH AWARENESS INCENTIVE PROGRAM
Annual Health Screening Process
-
Schedule/Attend on-site biometric screening appointment or submit *off-site health form
*(Off-site health forms are available to be completed by your Primary Care Physician)
-
Complete online Health Risk Assessment
-
Attend private one-on-one consultation to review health report either on site or by phone
-
If applicable, attend private one-on-one Health Coaching sessions designed to assist with health lifestyle changes
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
Human Resources Team
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
2027 DENTAL & VISION BENEFITS
Administered by DeltaDental and EyeMed.
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans.
✨ 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.
IN-NETWORK SERVICES |
PPO DENTISTS |
DeductiblesApplies to basic and major services only.
|
Individual: $25 Family: $50 |
Annual Maximum |
$1,500 per person/year |
Preventive Services |
100% Covered 2 times per calendar year |
Basic Services |
Routine & Restorative – You pay 20% following deductible Plan pays 80% following deductible |
Major Services |
Endodontics/Periodontics; gum and bone diseases, high cost restorations – cast restorations, crowns, onlays, posts and cores – 50% coinsurance |
Orthodontic |
Services for proper alignment of teeth – 50% coinsurance to a Lifetime maximum of $1,500. No age limit applies. |
COVERAGE LEVEL |
Bi-Weekly RATES |
Employee |
$9.23 |
Employee +Spouse |
$17.26 |
Employee +Child(ren) |
$20.30 |
Employee + Family |
$27.94 |
For full plan details, please review the plan documents.
IN-NETWORK SERVICES |
EyeMed VISION BENEFIT |
Eye Exam1 every 12 months
|
Plan pays 100% after $10 copay |
Eyeglass Frames*1 every 24 months
|
Plan provides allowance of up to $120 +20% off over $120 |
Eyeglass Lenses * **1 every 12 months
|
Standard Plastic Lenses:Single Vision - $25 copayBifocal - $25 copayTrifocal - $25 copayStandard Progressive Lens - $25 copay, 20% off retail price less $55 allowance |
Contact Lenses * **1 every 12 months
|
Conventional: $0 copay,$135 allowance,15% off balance over $135Disposable: $0 copay,$135 allowanceMedically Necessary: $0 copay, paid in fullCopay of up to $40 may apply forFit and Follow-Up visit
|
*Charges for lenses, frames, and contact lenses above the available benefit will be the responsibility of the participant.
**Plan allows only lenses or contacts within the calendar year not both.
COVERAGE LEVEL |
Bi-Weekly RATES |
Employee |
$3.36 |
Employee +Spouse |
$6.39 |
Employee +Child(ren) |
$6.72 |
Employee + Family |
$9.87 |
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
Human Resources Team
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
2027 HSA & FSA BENEFITS
Administered by Inspira Financial.
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."
For full plan details, please review the plan documents.
HEALTH SAVINGS ACCOUNT (HSA) |
|
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 qualified 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 |
IRS Maximum Contribution Limits |
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+)
You can update or change your contribution amount at any time within the IRS annual limits.
|
Contribution Deadline |
The last day to contribute for the 2026 plan year is April 15, 2027.
The last day to contribute for the 2027 plan year is April 15, 2028. |
Employer contributions |
QCRH will match your contribution, dollar-for-dollar, up to $500 per year. |
Does HSA affect my taxes? |
Yes; you are required to file Form 8889 to disclose your contributions. Speak with your HSA trustee for details or see www.irs.gov, search Publication 969. |
Does it carry over? |
Yes |
- HSA contributions made via payroll deduction to HealthEquity or the locally approved market branch, contributions will be pre-tax.- When you contribute to an outside HSA, you will loose the pre-tax benefit.
|
|
If you enroll in the High Deductible Health Plan and also elect HSA, you have 3 account options: CRBT/CBT HSA or Gbank HSA for employees in those markets or Health Equity HSA is available to all markets. You will need to see a Teller at CRBT/CBT or Gbank to open the account & send the account number to QCRH-Benefits@QCRH.com or HR will setup your account with Health Equity |
|
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) |
Healthcare FSA |
Dependent Care FSA |
IRS Maximum Contribution Limits |
2026 limits:You may contribute up to $3,400/year maximum2027 limits:You may contribute up to $3,500/year maximum |
2026 limits:You may contribute up to $7,500/year maximum2027 limits:You may contribute up to $7,500/year maximum |
Direct Deposit Allowed? |
Yes |
Yes |
Auto-Reimbursement? |
Yes |
No |
Claim deadline |
For claims incurred from January 1, 2027, to December 31, 2027, the claim filing deadline is April 30, 2028. |
For claims incurred from January 1, 2027, to December 31, 2027, the claim filing deadline is April 30, 2028. |
Carry Over Rule |
Yes, up to $700 |
No, but there is a grace period to incur 2027 claims from January 1, 2027 - April 30, 2028 |
Employer contributions |
N/A |
QCRH will match your contribution, dollar-for-dollar, up to $500 per year. |
Can I invest the money in my account? |
No |
No |
“Use it or lose it” rule apply? |
Yes |
Yes |
What expenses are eligible? |
See www.irs.gov, Publication 502 or go to www.fsastore.com for a full list of eligible expenses. |
Daycare expenses for your dependents while you are at work.
See also www.irs.gov, Publication 503. |
ELIGIBLE EXPENSESBeyond Your Plan Coverage
|
|
Common examples |
|
Download information on Health Care and Limited FSAs from the Internal Revenue Service |
IRS - Publication 502 |
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)
Human Resources Team
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
2027 LIFE & SUPPLEMENTAL BENEFITS
We offer life, disability, and additional coverage plans to help you plan for your family's financial security.
Life Insurance
Administered by Mutual of Omaha.
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 and rate information, please review the plan documents.
Basic Life and AD&D Insurance*COMPANY-PAID
|
|
Life Benefit andAccidental Death & Dismemberment |
Two times annually earnings Up to $500,000
|
*100% of the cost of this benefit is covered by QCRH.
Additional Life and AD&D Insurance*EMPLOYEE-PAID |
Employee Benefit |
|
Increments of $10,000 up to $500,000 |
Guaranteed Issue**:
|
Spouse Benefit |
|
Increments of $5,000 up to $250,000 or 100% of employee benefit |
Guaranteed Issue**:
|
Child Benefit |
|
Increments of $10,000 up to $20,000 (minimum $10,000) Not to exceed 100% of the employee's coverage amount For children: live birth through age 25 |
Guaranteed Issue**:Up to $20,000 |
*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 Mutual of Omaha.
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 and rate information, please review the plan documents.
Benefits* |
Short-TermQCRH-PAID |
Long-TermEMPLOYEE-PAID |
Coverage amount |
60% of weekly income Up to $2,000 |
60% of monthly income Up to $6,000 |
Accident benefits begin |
Day 8 |
Day 91 |
Illness benefits begin |
Day 8 |
Day 91 |
Maximum payment period |
12 weeks |
Social Security Normal Retirement Age (SSNRA) |
For full plan details and rate information, please review the plan documents.
SUPPLEMENTAL INSURANCE BENEFITS |
|
Assurity Accident Insurance |
The Voluntary Accident Plan through Assurity gives you a cushion to help cover medical expenses and living costs when you get hurt unexpectedly. This insurance will work in addition to other insurance you may have. This policy covers benefits for fractures, dislocations, lacerations, concussions, burns, emergency dental work, eye injuries, and surgical procedures. There is also coverage for x-rays, diagnostic exams, follow-up treatments (including physical, speech and occupational therapy) and for hospitalizations. Additional Assurity Accident Plan details: coverage, rates, exclusions, etc. are available on the benefits portal under My Benefits, Voluntary Products, Plan Documents. |
Assurity Critical Illness |
The Voluntary Critical Illness plan through Assurity policy pays a lump sum benefit to you upon diagnosis of covered conditions to help cover out of pocket expenses and time off work. Some of the covered conditions are Heart Attack, Stroke, Sudden Cardiac Arrest, End Stage Renal (Kidney) Failure, Major Organ Failure, and Coma. Additional Assurity Critical Illness Plan details: coverage, rates, exclusions, etc. are available on the benefits portal under My Benefits, Voluntary Products, Plan Documents.
|
Prosperity Cancer Plan |
The Voluntary Cancer plan through Prosperity pays a cash benefit upon initial diagnosis of a covered cancer, with a variety of other benefits payable throughout cancer treatment. You can use the cash benefit to pay for your medical expenses, rent/mortgage, groceries or other bills – the choice is yours. Additional Prosperity Cancer Plan details: coverage, rates, exclusions, etc. are available on the benefits portal under My Benefits, Voluntary Products, Plan Documents. |
MetLife Hospital Indemnity |
Even with medical insurance, a hospital stay can be costly. Plan deductibles, copays, and out-of-network costs can add up fast, not to mention costs outside of medical needs, like your mortgage, childcare expenses, transportation and more.
Hospital indemnity insurance can help with out-of-pocket costs while you’re in the hospital and recovering to help reduce the financial impact while you heal.
This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.
|
For full plan details, please review the plan documents.
ORGAN AND TISSUE TRANSPLANT BENEFITS
ORGAN AND TISSUE TRANSPLANT |
|
What is it? |
Covered individuals under this Plan may be eligible for transplant-related benefits through a separate Group Specified Disease Policy for Organ & Tissue Transplant (the “OT Policy”), underwritten and administered by QBE Insurance Corporation (“QBE”). The OT Policy provides benefits for certain organ and tissue transplants independently of the benefits available under this Plan. |
What is covered? |
The following transplant procedures are covered under the OT Policy:
|
What do I do when I am advised I may need a transplant? |
Call QBE Insurance at 978-619-1560, extension 621560 |
Notification and Pre-Authorization Requirements |
Prior to any referral or services related to a transplant consultation or initial transplant evaluation, QBE Insurance Corporation must be notified that a Covered Transplant Procedure is being considered. Notification may be submitted by the Covered Person, the Policyholder, the Policyholder’s Third Party Administrator, or the Covered Person’s Physician. Notification must occur before any transplant-related services are rendered, including evaluations or consultations. |
For full plan details and rate information, please review the plan documents.
ADDITIONAL COVERAGES BENEFIT |
|
Legal InsuranceARAG
|
Did you know that 3 out of 4 individuals have faced legal troubles in the past three years? Most people believe legal troubles are rare, once-in-a-lifetime events, but they're far more common than you think. A legal insurance plan from ARAG® covers a wide range of legal needs to help you address life's legal situations. |
Identity ProtectionAllstate
|
Allstate Identity Protection helps safeguard you and your family 24/7 from scams and identity theft with scam protection tools, identity, financial, and dark web monitoring, as well as cybersecurity features like a VPN and password manager. Plus, get up to $50,000 in scam reimbursement and up to $100,000 in cyberbullying coverage. If identity fraud happens, our specialists handle recovery for you, with up to $5 million in reimbursement for stolen funds and related costs. |
Pro+ CyberAllstate
|
Our Pro+ Cyber plan safeguards members’ data and enrolled devices, allowing them to live their online life more freely. Members can enroll five devices — or up to 10 with a family plan — to be protected. |
PET INSURANCE |
|
Pet Insurance(you may enroll in or end benefit at any time and is not subject to Open Enrollment and QLE guidelines and rules)
|
As part of your employer benefits, you can take advantage of benefits like:
|
WITH YOUR LIFE INSURANCE |
|
Travel Assistance Benefit |
Travel secure with the Travel Assistance program through Mutual of Omaha. Here are the details:
|
Employee Assistance Program (EAP) |
With the Life and AD&D plan, you also have access to the Employee Assistance Program (EAP) through Mutual of Omaha. See plan details below.
Group number: C9FZ
|
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
Human Resources Team
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
2027 RETIREMENT BENEFITS
Administered by Principal.
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.
401K SAVINGS PLAN BENEFIT |
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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 can update or change your contribution amount at any time within IRS annual limits.
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What kind of contributions can I make? |
Pre-tax and/or Roth |
Company match |
100% match of first 3% of salary deferred50% match of next 3% of salary deferred
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Can I invest the money in my account? |
Yes. You choose how all money in your account is invested. You may change your investment allocation at any time. |
Can I track my account online? |
Yes, at www.principal.com |
When will my contributions be vested? |
Vesting schedule for Matching Contributions:
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Automatic Deferral Percentage |
Thirty days after your hire date, QCRH will automatically withhold 6% of your compensation from your pay each payroll period and contribute that amount to the Plan as a pre-tax 401(k) deferral unless you make a contrary election. |
Automatic Increase Plan |
On January 1st of each year, your deferral percentage will automatically increase by 1%, unless elected otherwise. The increase will stop when your deferral percentage reaches 15%. |
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)
Human Resources Team
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.
EAP &
Additional
Benefits
2027 ADDITIONAL BENEFITS
Administered by Mutual of Omaha.
QCR Holdings is committed to its employees and their dependents. Our Employee Assistance Program (EAP) is administered through Mutual of Omaha.
For full plan details, please review the plan documents.
EMPLOYEE ASSISTANCE PROGRAM
EMPLOYEE ASSISTANCE PROGRAM (EAP) |
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Who is eligible? |
The EAP is available to:
You are not required to be enrolled in a medical plan. |
Is it confidential? |
YES and it's FREE!You have confidential access to experienced clinicians and professional staff. |
When can I access? |
24 hours per day |
What is covered? |
Legal assistance, financial counseling, emotional support, dealing with aging parents, finding child care, coping with grief or loss, managing stress, managing depression, finding balance, etc. Please refer to the EAP Flyers under the Plan Documents tab for more details. |
For full plan details, please review the plan documents.
ADDITIONAL BENEFIT |
DESCRIPTION |
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Employee Stock Purchase Plan (ESPP) |
All employees are eligible to contribute up to 15% of their bi-weekly pay, up to a maximum of $21,250 (for a maximum value of $25,000 prior to purchase discount) per calendar year through regular payroll deductions for the purchase of the QCR Holdings, Inc. Common Stock at a 15% discounted rate.
There are two offering periods; January 1 – June 30 and July 1 – December 31. Employees can enroll before January 1 each year for the first offering period starting January 1 and before July 1 each year for the second offering period starting July 1. |
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Personal Day Buy-Up |
QCRH realizes that employees have occasional “time away from work” needs during the course of the year that exceed the Personal Time Off policy. Employees will be able to purchase up to four (4) additional personal days per calendar year. The cost of additional personal days will be calculated using the rate of pay at the time of the request and payroll deducted over the remaining pay periods of the calendar year.
The Personal Day Buy-Up form can be located on QNews and downloaded here. - Personal Day Buy-Up Request Form (fillable PDF)
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Sabbatical Program |
All eligible employees (32-40 hours per week) with 10, 18, 25, 30 and 35 years of service and have satisfactory performance are eligible for 4 consecutive weeks paid time off in addition to personal time. The time off can be used for education purposes, service or community involvement or personal reasons. |
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Education Assistance |
QCRH encourages the professional development of its employees through formal education and thus provides tuition assistance for courses taken at an accredited secondary school, college, or university. This policy covers tuition only, books and fees are the responsibility of the employee. All employees working at least 24 hours per week are eligible. See QNews for the full policy and request form. |
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Clothing Advance
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In order to help our employees comply with the personal appearance policy – QCR Holdings, Inc. has a clothing advance in place. An employee* may apply for a clothing advance up to $300.00. Requests will be taken at the start of each new quarter – January, April, July and October. New hires may also apply outside of the quarterly schedule. The funds must be used for business attire. Please see QNews for the full policy and procedure.
*Executive Officers are excluded from this program
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Additional Days Off
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Your Birthday, Family Matters Day (hourly employees), Wedding Day Jitters, New Parent’s Day, QCR Holidays, among others. Please refer to the employee handbook for additional information. |
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Adoption Assistance Program
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The Adoption Assistance Program helps support employees who are expanding their families through adoption. It provides financial assistance to make the adoption process easier and more affordable. This benefit is designed to offer both practical and emotional support during an important life event. This benefit provides up to $5,000 per adoption and has a $10,000 lifetime maximum.
Download: Adoption Assistance Plan - Reimbursement Form
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Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
Human Resources Team
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.
BENEFITS ENROLLMENT RESOURCES
ANNUAL LEGAL NOTICES
MEDICAL DOCUMENTS
DENTAL DOCUMENTS
FLEXIBLE SPENDING ACCOUNTS (FSA)
HealthEquity Documents (interim)
LIFE INSURANCE DOCUMENTS
ACCIDENT INSURANCE DOCUMENTS
CRITICAL ILLNESS DOCUMENTS
HOSPITAL INDEMNITY DOCUMENTS
CANCER INSURANCE DOCUMENTS
TRANSPLANT INSURANCE DOCUMENTS
LEGAL INSURANCE DOCUMENTS
ID PROTECTION DOCUMENTS
PET INSURANCE DOCUMENTS
ADDITIONAL BENEFITS DOCUMENTS
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
Human Resources Team
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.
FSA CARRIER for CRBT and CB&T Employees only*
Prime Benefit Systems
(This FSA carrier option is not available to new enrollees.)
HSA CARRIERS
Inspira Financial
(Available to ALL employees)
G Bank (Guarantee Bank)
(Available only to those who work in the GBank Market)
CRBT/CBT
(Available only to those who work in the CRBT/CBT market)
TRANSPLANT INSURANCE ADMINISTRATOR
QBE Insurance Group
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
Human Resources Team
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
DENTAL & VISION
HEALTH SAVINGS ACCOUNT (HSA)
FLEXIBLE SPENDING ACCOUNT (FSA)
LIFE & SUPPLEMENTAL
DISABILITY INSURANCE
ADDITIONAL SUPPLEMENTAL
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)
Human Resources Team
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 make sure 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?
ENROLL
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Log in to your Paylocity account
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Use the instructions below to navigate to your enrollment in bswift
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Click on the HR & Payroll tab in the top left corner.
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From the dropdown menu, click on Bswift Benefits.
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From the Enterprise Benefits page, click on Visit the Enrollment Center.
Click on the blue Enroll Now button.
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
Human Resources Team
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.
