Administered through Aetna

Quality health coverage is one of the most valuable benefits you enjoy as an IFS employee. Our benefits program offers plans to help keep you and your family healthy and also provides important protection in the event of illness or injury.

For 2025, you have a choice of medical plans giving you the flexibility to choose what’s best for your needs and budget.

• HDHP (High Deductible Health Plan), a consumer-based plan featuring in- and out-of-network benefits that allows you to have more control over the cost of your health care. To support your health care choices, this plan allows you to establish a tax-free Health Savings Account (HSA).
• PPO, a preferred provider organization plan that includes in-network and out-of-network coverage.

Key features
All of IFS’s medical plans offer:

• Comprehensive, affordable coverage for a wide range of health care services.
• In-network preventive care, with services covered at 100%, including annual physicals, recommended immunizations, well-woman and well-child exams, flu shots, and routine cancer screenings.
• Prescription drug coverage included with each medical plan.
• Financial protection through annual out-of-pocket maximums that limit the amount you’ll pay each year.
• Choice of coverage levels: Employee Only, Employee + Spouse, Employee + Child(ren), and Family
  
  

Administered by Aetna

Healthy teeth and gums are important to your overall wellness. That’s why it’s important to have regular dental checkups and maintain good oral hygiene. Learn about the dental plans available to help you maintain your oral health.

To identify an in-network provider go to www.aetna.com

Money-saving tip
Remember, you can use your health spending and/or savings account for qualified out-of-pocket dental expenses.

Administered by Aetna

Having vision coverage allows you to save money on eligible eye care expenses, such as periodic eye exams, eyeglasses, contact lenses, and more for you and your covered dependents.

Money-saving tip
Remember, you can use your health spending and/or savings account for qualified out-of-pocket vision expenses.

 

Administered by HSA Bank

If you enroll in the HDHP, you are eligible to open an HSA. A HSA is a tax-free (federal taxes) savings account you can use to pay for eligible health expenses anytime, even in retirement.

How does an HSA work?

• Build tax-free savings for health care. You can make before-tax deductions from your paycheck into your HSA, allowing you to save money by using tax-free dollars to pay for eligible medical, prescription, dental, and vision expenses.
• Keep your money. Unlike an FSA, the money in your HSA is always yours to keep and can be rolled over from year to year. You can take your unused balance with you when you retire or leave IFS.
• Use it like a bank account. Pay for eligible medical, most prescription and over-the-counter drugs, dental, and vision expenses for yourself and your family by swiping your HSA debit card or reimburse yourself for payments you’ve made.
• Earn interest and invest for the future. You can learn more at hsabank.com or call (800) 357-6246.
• Never pay taxes. Contributions are made on a before-tax basis, and your withdrawals will never be subject to federal income taxes when used for eligible expenses.

Administered by Wex Health

Tax-advantaged FSAs are a great way to save money. The money you contribute to these accounts comes out of your paycheck without being taxed, and you withdraw it tax-free when you pay for eligible health care and dependent care expenses.

Healthcare Flexible Spending Account: 

• Pay for eligible health care expenses, including out-of-pocket expenses such as plan deductibles, Copayments, and Coinsurance, but not insurance premiums.
• Contribute up to $3,300 in 2025 (IRS limits for 2025 contributions have not been announced yet).
• Any contributions that have not been used by 12/31/2025 will be carried over until 03/31/2026 up to the IRS rollover limit.

Limited-Purpose FSA:
Note: If you enroll in the HDHP and have an HSA, you are not eligible to open a Health Care FSA, but you can open a Limited-Purpose FSA.
Use it to pay for dental and vision expenses only.

 

Dependent Flexible Spending Account:

• Pay for eligible dependent care expenses, such as day care or adult dependent care, so you can work, or attend school full time.
• Contribute up to $5,000, or $2,500 per spouse if you are married in 2025 and file separate tax returns (IRS limits for 2024 contributions have not been announced yet).

Administered by Mutual of Omaha

Basic Life and AD&D Insurance

You automatically receive basic life and accidental death and  dismemberment (AD&D) insurance so that you can protect  those you love from the unexpected. There is no cost to you for  this coverage. Your benefit amount will be one times your base  salary up to $250,000.

Voluntary Life Insurance

If you want added protection, you can purchase supplemental life and AD&D insurance for yourself. You may elect coverage up to the lesser of 6 times annual compensation or $750,000.

Voluntary Accident & Death Insurance

You may also purchase life and/or AD&D insurance for:

• Your  spouse or domestic partner up to $200,000.
• Child(ren) provides $5,000 benefit.

What is AD&D insurance?

Should you lose your life, sight, hearing, speech or use of your limb(s) in an accident, AD&D provides additional benefits to help keep your family financially secure. AD&D benefits are paid as a percentage of your coverage amount — from 50% to 100% — depending on the type of loss.

Have you named a beneficiary?

Be sure you’ve selected a beneficiary for all your life and accident insurance policies. 

 

Administered by Mutual of Omaha

The loss of income due to illness or disability can cause  serious financial hardship for your family. Our disability  insurance programs work together to replace a portion of your  income when you’re unable to work. The disability benefits you  receive allow you to continue paying your bills and meeting  your financial obligations during this difficult time.

Voluntary Short-Term Disability

Short-Term Disability provides a cash benefit when you are out of work for up to 11 weeks due to injury, illness, surgery, or recovery from childbirth. 

Long-Term Disability

Keep getting a check when you’re hurt or sick. You always have bills to pay, even when you can’t get to work due to injury, illness, or surgery. Long-term disability insurance helps you make ends meet during this difficult time. 

Summary of Disability Benefits

 

 

Administered by Empower

It’s always the right time

Saving for retirement is important for your financial future, whether you are retiring soon or years from now. The IFS 401(k) Savings Plan is designed to assist you in meeting your retirement goals.

401(k) Savings Plan

Your Company 401(k) Savings Plan provides advantages you  may not get with other types of savings plans and helps you  meet one of life’s important goals — saving for a financially secure retirement.

Eligibility

Full-time and part-time employees are eligible to participate on day one of employment.

Company matching contributions

To support your retirement saving efforts, IFS provides matching funds to help your account grow faster.

Investment elections

The plan offers you a variety of investment options to choose from. It’s important to carefully consider your investment goals, retirement timeframe, and risk tolerance when deciding how to  invest your plan contributions. Visit Empower to learn more about  your investment options.

Vesting

Vesting refers to your ownership of the money in your account. You are always 100% vested in your own contributions. You become fully vested in any Company contributions after 4 years.

Enrolling in the plan

You should receive notification, along with an enrollment kit, once  you become eligible to enroll in the 401(k) Savings Plan. If you don’t receive notification within 30 days of your hire date, please contact your Total Rewards team.

Administered by Aetna

You can’t always avoid accidents — but you can help protect yourself from accident-related costs that can strain your budget. Accident insurance supplements your primary medical plan and disability programs by providing cash benefits in cases of accidental injuries. You can use this money to help pay for uncovered medical expenses, such as your deductible or Coinsurance, or for ongoing living expenses, such as your mortgage or rent. Benefits are paid in addition to other coverages you may have, such as medical or an AD&D plan.

Learn more

Visit MyAetnaSupplemental.com for more information about your accident insurance options.

 

 

 

 

 

 

Administered by Aetna

This plan protects against the financial impact of certain covered illnesses such as a heart attack or cancer. You receive a direct lump-sum benefit to cover out-of-pocket expenses for your treatments that are not covered by your medical plan. You can also use the money to take care of your everyday living expenses, such as housekeeping services, special transportation services and day care.

Learn more

Visit MyAetnaSupplemental.com for more information about your critical illness insurance options.

 

 

Administered by Aetna

A trip to the hospital can be stressful, and so can the bills. Even  with a major medical plan, you may still be responsible for Copays, deductibles, and other out-of-pocket costs. A hospital indemnity  plan provides supplemental payments directly to you — unless  assigned to someone else — that you can use to cover expenses  that your medical plan doesn’t cover for hospital stays.

Learn more

Visit MyAetnaSupplemental.com for more information about your hospital indemnity insurance options.

 

Administered by Mutual of Omaha

IFS North America, Inc. provides all employees and their families with a free and confidential Employee Assistance Program (EAP) with Mutual of Omaha. This program is available throughout the year to assist with your everyday needs, at no cost to you. It’s all part of our commitment to supporting your total well-being. Through the EAP, you can receive up to 5 face-to-face sessions per occurrence for assessment and short-term problem resolutions for work-life issues; referrals for clinical, legal, financial services; and more.

To begin taking advantage of this valuable benefit, visit mutualofomaha.com/eap or call (800) 316-2796.

Administered by Aetna 

Get care from your couch When you don’t feel well, or your child is sick, the last thing you want to do is leave the comfort of your  home to sit in a crowded waiting room full of other sick  people. A virtual consultation lets you talk with a  doctor from the comfort of your home or office without an appointment. Virtual visits cost about the same as in-person office visits. Consider a virtual visit when your doctor isn’t available, you become ill while traveling, or you’re considering visiting a hospital emergency room for a  non-emergency health condition. To learn more and register for care, go to www.teladoc.com.

Administered by Allstate

Allstate Identity Protection delivers comprehensive financial and identity monitoring designed to help you protect yourself, your family, and your finances from emerging threats.

Administered by ARAG

The legal services plan through ARAG offers participants and  their eligible dependents access to legal advice and services from  a nationwide network of attorneys with coverage for many  personal legal issues. Services include telephone advice and  office consultations on an unlimited number of legal matters, in  addition to full representation for covered matters.

 

Administered by PerkSpot

IFS North America and PerkSpot have partnered to give you access to thousands of exclusive and unbeatable deals from top brands across 25+ savings categories. From apparel and food to home and auto, the saving opportunities are endless! https:// ifsna.perkspot.com/