SERVICES |
PPO DENTISTS |
Preventive Services |
Covered at 100% |
Deductibles |
$15 Individual/$45 Family |
Basic Services |
You pay 10% coinsurance (after deductible), plan pays 90% |
Major Services |
You pay 50% coinsurance (after deductible), plan pays 50% |
Annual Maximum |
$1,000 per person per year |
Orthodontic |
You pay 50% coinsurance (after deductible), plan pays 50% coinsurance, up to a lifetime maximum of $1,000 |
Youth & Shelter Services
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.
HOW TO ENROLL
We partner with Paycom to simplify the enrollment process! With Paycom you can:
-
Enroll or re-enroll
-
Make changes to your benefits
-
Add or remove dependents
-
Enroll in flexible spending account(s)
NOTE: This site will be available to you on demand all year. Take some time to review this information and return to this benefits portal whenever you or your family members have questions or want to review your benefits.
Unlock Benefits Clarity
Monthly Minute Communications Library
Ever feel lost in the world of employee benefits? We know it can be confusing. Our Monthly Minute communications library and your company's Benefits Education video library provide clear, concise information to help you understand your valuable benefits package.
Qualifying Life Events (QLE)
This is a change in your situation - like getting married, having a baby, or losing health coverage - that may allow you to enroll in health insurance outside the yearly Open Enrollment Period.
Preventive Care
This step can help prevent future health concerns and lower health insurance costs. Learn more about what's covered and what isn't.
Additional Coverage
Coverage at your fingertips - Home, Auto, and More! Get agent recommendations based on your needs.
Approaching Retirement?
Understanding how Medicare works-and how it compares to your current coverage-can help you make informed decisions.
Benefits Questions?
Our Benefits Staff is Here to Help
We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.
If you have any questions, please contact your TRUEAdvocate Team!
A team member will respond within 24 hours.
Monday - Friday | 7:30 a.m. - 5:00 p.m., Central Time (CT)
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
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.
Most benefits are effective the first day of the month following the date of hire.
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.
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
STEPS FOR EASY ENROLLMENT
You have 30 DAYS from your date of hire to enroll in your new benefits.
EDUCATE YOURSELF
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
MAKE DECISIONS
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.
We partner with Paycom to simplify the enrollment process! With Paycom you can:
- Enroll or re-enroll
- Make changes to your benefits
- Add or remove dependents
- Enroll in flexible spending account(s)
NOTE: This site will be available to you on demand all year. Take some time to review this information and return to this benefits portal whenever you or your family members have questions or want to review your benefits.
Benefits Questions?
Our Benefits Staff is Here to Help
We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.
If you have any questions, please contact your TRUEAdvocate Team!
A team member will respond within 24 hours.
Monday - Friday | 7:30 a.m. - 5:00 p.m., Central Time (CT)
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
by Gravie ICHRA.
Your Medical Benefit: to most, it’s the most important benefit we have available, but many of us don’t use our plan to the fullest. Medical benefits are not just for when you are sick. For example, if you use preventive benefits when you are well, you might actually be able to avoid getting sick!
INDIVIDUAL COVERAGE
HEALTH REIMBURSEMENT ARRANGEMENT (ICHRA)
For full plan details, please review the plan documents.
GRAVIE ICHRA™
For 2024, YSS will be offering an Individual Coverage Health Reimbursement Arrangement (ICRHA). The pre-tax employer contribution will be used towards the premium cost of a qualified individual health insurance policy. This includes individual Medicare plans as well. Don’t forget to contact Gravie during open enrollment.
HEALTH BENEFITS JUST GOT EASIER
Let’s face it, the health insurance industry has a bad rap when it comes to customer service. We all avoid complicated bills, long wait times, and confusing jargon if we can. Gravie is changing this narrative. We believe that health benefits are only effective when members understand how to use them, which is why Gravie Care is included with every plan.
Gravie Care is made up of a team of radically helpful advisors who are mindful of each facet of a member’s experience at every turn, and they’re so much more than your typical customer service department. With Gravie Care, members benefit from their health plan on day one. Gravie Care advisors help members:
- Evaluate plan options
- Verify network coverage
- Get care when they need It
- Enrolling coverage
- Decipher EOBs and bills
- And so much more
NEW THIS YEAR
- Gravie will now coordinate all carrier insurance payments
- The monthly attestation process will be eliminated.
-
Binder payments for members will be coordinated by Gravie during OE, providing additional support
STEPS YOU NEED TO TAKE
STEP 2
Shop for your health plan.
STEP 3
Finish your enrollment through your carrier.
Find an easy-to-follow enrollment guide under Medical Plan 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.
DENTAL & VISION
2026 Dental & Vision Benefits
Administered by DeltaDental and VSP.
Dental care is an important part of your overall health. This plan provides you with no-cost, in-network preventive care, as well as coverage for basic care and major procedures. Enroll in vision coverage to save money on eligible vision care expenses, such as eye exams, glasses, and contact lenses.
✨ If you have an HSA or FSA, you can use these funds to cover eligible expenses, such as your deductible or copay.
COVERAGE LEVEL |
RATE PER PAY PERIOD |
Employee |
$16.18 |
Employee + Spouse |
$32.32 |
Employee + Child(ren) |
$41.29
|
Employee + Family |
$67.72 |
SERVICES |
VISION BENEFIT |
Eye Exam |
Covered in full after $10 copay |
Eyeglass Frames* |
In-network:$130 allowance, 20% off the amount over your allowance. |
Eyeglass Lenses* ** |
In-network:
|
Contact Lenses* ** |
In-network:Please note: Contact lenses are in place of lenses and frame.
|
*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.
**Plan allows only lenses or contacts within the calendar year not both.
COVERAGE LEVEL |
RATE PER PAY PERIOD |
Employee |
$4.53
|
Employee + Spouse |
$7.24
|
Employee + Child(ren) |
$7.39
|
Employee + Family |
$11.91 |
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
Health Savings Account (HSA) administered by HSA Bank.
Flexible Spending Accounts (FSA) administered by iSolved Benefit Services.
HSAs and FSAs help you save pre-tax dollars for healthcare or dependent care. Eligibility in each plan will be based on enrollment.
To learn more about the differences, watch the video, "HSA vs. FSA."
Go deeper and learn the different kinds of accounts and how they differ in eligibility, ownership, and how money can be used. Download the flyer, "HSA vs. FSA vs. DCFSA."
Health Savings Account (HSA)
An HSA can help you lower your taxes, cover some expenses your plan doesn't, and even help save for retirement.
For full plan details, please review the plan documents.
HSA Overview |
|
|
To be eligible, you must: |
• Be covered under a High Deductible Health Plan (HDHP)
• Not be claimed as a dependent on someone else's tax return
• Not maintain a full-purpose Healthcare FSA
• Not be enrolled in Medicare • If your eligible dependent is covered under Medicare, you can continue contributing to the HSA
• Not have a spouse with a full-purpose FSA plan through their employer
• Additional eligibility rules may apply if you receive VA medical benefits. Refer to plan documents for details |
|
IRS Maximum Contribution Limits Note: The maximum includes both employee and employer contributions |
2026 Single: $4,400 Family: $8,750 Catch-up: $1,000 (those 55+)
2027 Single: $4,500 Family: $9,000 Catch-up: $1,000 (those 55+) |
|
Availability of funds |
Funds must accumulate before using |
|
Use it or lose it? |
No, unused funds roll over from year to year |
|
Can take it with you if you leave the company? |
Yes |
Eligible ExpensesBeyond Your Plan Coverage |
|
|
More common examples |
|
|
Less common examples |
|
|
Download the full list from the Internal Revenue Service |
|
|
Also, try: |
|
Flexible Spending Accounts (FSA)
An FSA can help you use pretax money to pay for certain out-of-pocket health expenses or dependent care expenses.
For full plan details, please review the plan documents.
FSA Overview |
|
|
How do Flexible Spending Accounts compare? |
Healthcare FSA: A full-purpose FSA that's best for predictable medical, dental, or vision expenses
Limited Purpose FSA: Can be used for dental and vision only
Dependent Care FSA: Covers child or dependent care needed, so you (and your spouse, if applicable) can work |
|
Eligibility rules |
|
|
Pre-tax contributions? |
Yes. Contributions are typically made through pre-tax payroll deductions. |
|
IRS Maximum Contribution Limits |
2026 Healthcare and Limited Purpose: $3,400
Dependent Care: $7,500 ($3,750, if filing Single)
|
|
Availability of funds |
Healthcare and Limited Purpose:
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. |
|
Can you take it with you if you leave the company? |
No |
Eligible ExpensesBeyond Your Plan Coverage |
|
|
Common examples |
|
|
Download information on Health Care and Limited Purpose FSAs from the Internal Revenue Service |
|
|
Download information on Child and Dependent Care Expenses from the Internal Revenue Service |
|
|
Also, try: |
|
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
LIFE & SUPPLEMENTAL
2026 Life & Supplemental Benefits
Administered by Reliance Standard
We offer life, disability, supplemental insurance, and additional protection plans to help you plan ahead for your family's financial security.
Life and AD&D Insurance
For full plan details, please review the plan documents.
LIFE AND AD&D BENEFIT |
|
Life and Accidental Death & Dismemberment |
1.5 times earnings, rounded to the next higher $1,000, subject to a maximum of $200,000 |
What is Accidental Death & Dismemberment? |
Your life insurance policy also includes coverage for accidental death and dismemberment (AD&D). AD&D insurance is similar to life insurance, but only pays a benefit if the death is due to an accident. AD&D plans also pay a portion of the benefit for an injury that results from an accident. |
Age Reduction |
Benefits are reduced to 65% at age 70 and to 50% at age 75. |
Who Pays for Coverage? |
Your Employer |
BENEFITS |
LONG-TERM DISABILITY |
Coverage amount |
Class 1: 60% of covered earnings up to a maximum of $8,000
|
Maximum payment period |
Social Security Normal Retirement Age (SSNRA) |
Accident benefits begin |
Day 90 |
Illness benefits begin |
Day 90 |
Designate Your Beneficiary(ies)
Choosing beneficiaries is an act of love and foresight. It secures the stability of your loved ones and empowers the causes closest to your heart.
First, collect the information you will need, such as:
-
Full legal name
-
Date of birth
-
Relationship (if applicable)
-
Tax Identification Number (TIN)
-
Social Security Number (SSN)
-
Employer Identification Number (EIN)
-
-
Mailing address
-
Email address
-
Phone number
Then, log in to Paycom to add or change your beneficiary(s).
Accident Insurance
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. |
Benefit |
Pays you benefits for specific injuries and events resulting from a covered accident that occurs on or after your coverage effective date. The benefit amount depends on the type of injury and care received.
|
How Can Accident Insurance Help? |
Below are a few examples of how your Accident Insurance benefits could be used:
|
Wellness Benefit |
Your Accident plan also includes an annual benefit payment if you complete a health screening test. The benefit is $100 payable each year. Examples of health screening tests are:
|
Critical Illness Insurance
For full plan details, please review the plan documents.
CRITICAL ILLNESS BENEFIT |
|
What is it? |
This typically pays a lump-sum benefit directly to you at the time a covered illness (such as a stroke, heart attack or cancer) occurs or is diagnosed. |
What is covered? |
Critical Illness provides a benefit payment for the following illnesses and conditions. Covered illnesses/conditions are broken out into groups called "modules." Benefits are paid at 100% of the Maximum Critical Illness Benefit amount unless otherwise stated.
|
Benefit |
Group Critical Illness coverage pays a lump sum cash benefit if you are diagnosed with a covered illness or condition on or after your coverage effective date.
|
Wellness Benefit |
Your Critical Illness plan also includes an annual benefit payment if you complete a health screening test. The benefit is $50 payable each year. Examples of health screening tests are:
|
Hospital Indemnity Insurance
For full plan details, please review the plan documents.
HOSPITAL INDEMNITY BENEFIT |
|
What is it? |
Similar to Accident and Critical Illness Plans, Hospital Indemnity provides a lump-sum benefit to use for expenses related to a hospital stay. |
What is covered? |
Expenses covered include: hospital admission, hospital confinement, lodging, transportation and more. |
Benefits |
It will pay $1,000 for a hospital admission and $100 per day you confined to the hospital. This benefit includes birth of a new baby even if you (or your spouse) is currently expecting. |
Example |
Mom and new baby are in the hospital for 2 days. The plan would pay $2,400. Mom and Baby would both get a $1,000 admission benefit and a $200 confinement benefit. |
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 NOTICES
MEDICAL DOCUMENTS
VISION DOCUMENTS
LIFE INSURANCE DOCUMENTS
LONG-TERM DISABILITY (LTD) DOCUMENTS
CRITICAL ILLNESS DOCUMENTS
HOSPITAL INDEMNITY 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.
MEDICAL CARRIER
Gravie
WEB www.gravie.com
PH - (844) 540-8702
EMAIL info@gravie.com
DENTAL CARRIER
Delta Dental of Iowa
Group Number: 35409
WEB www.deltadentalia.com
PH - (800) 544-0718
VISION CARRIER
VSP
Group Number: 30068518
WEB www.vsp.com
PH - (800) 877-7195
LIFE AND AD&D CARRIER
Reliance Standard
Group Number: 156808
PH (800) 351-7500
DISABILITY CARRIER
Reliance Standard
Group Number: 128168
PH (800) 351-7500
CRITICAL ILLNESS CARRIER
Reliance Standard
Group Number: 862431
PH (800) 351-7500
HOSPITAL INDEMNITY CARRIER
Reliance Standard
Group Number: 862429
PH (800) 351-7500
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 Clarity
Benefits Education Video Library
Understand confusing benefits terms by browsing our extensive video library.
BENEFITS BASICS
PRESCRIPTION DRUGS & WISE CONSUMER OF HEALTHCARE
MEDICAL BENEFITS
DENTAL & VISION
HEALTH SAVINGS ACCOUNT (HSA)
FLEXIBLE SPENDING ACCOUNT (FSA)
LIFE INSURANCE
DISABILITY INSURANCE
SUPPLEMENTAL INSURANCE
EMPLOYEE ASSISTANCE & WELLNESS
Unlock Benefits Clarity
Monthly Minute Communications Library
Ever feel lost in the world of employee benefits? We know it can be confusing. Our Monthly Minute communications library and your company's Benefits Education video library provide clear, concise information to help you understand your valuable benefits package.
Have Benefit Questions?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
ENROLL TODAY!
ENROLL IN YOUR BENEFITS
Enrolling in your benefits or changing your existing enrollment is as easy as online shopping.
EDUCATE YOURSELF
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
MAKE DECISIONS
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.
