Administered through Blue Cross and Blue Shield of Illinois

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 provides important protection in the event of illness or injury.

For 2027, you have a choice of 3 medical plans (one PPO and two HDHP) giving you the flexibility to choose what’s best for your needs and budget.

• HDHP (High Deductible Health Plan): This is 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). This plan has a higher deductible, but lower employee contributions.
• PPO: This is a preferred provider organization plan that includes in-network and out-of-network coverage. This plan has a lower deductible with more expansive network, but higher employee contributions.

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 Blue Cross and Blue Shield of Illinois

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.bcbsil.com/find-care/find-a-dentist and select BlueCare Dental PPO

Money-saving tip

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

Administered by Blue Cross and Blue Shield of Illinois

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.

To identify an in-network provider go to www.bcbsil.com/find-care/find-a-vision-provider

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.

What is a health savings account?

• A Health Savings Account (HSA) is a tax-advantaged savings account designed to help employees covered by a high-deductible health plan (HDHP) pay for qualified medical expenses. It offers triple tax benefits: contributions are tax-free, earnings grow tax-free, and withdrawals for eligible expenses are tax-free.

• Unsure of how much you can contribute? Use HSA Bank’s contribution calculator here! 
  

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 $3,500 in 2027.
• Any contributions that have not been used by 12/31/2027 will be carried over until 03/31/2028 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.

• Pay for dental and vision expenses only
• Contribute up to $3,400 in 2027

Dependent Care 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 for married couples filing separately. in 2027.

Parking & Transit

• Pre-tax dollars to pay for parking or transit costs related to work commute

• Maximum of $350 per month in 2027

Administered by Espresa

IFS will continue to offer a lifestyle spending account (LSA) through Espresa, called the Wellness Your Way challenge. Employees participating in the challenge can earn up to $500 in the year!
This benefit continues to be a part of IFS’s broader commitment to employee well-being, offering choice, flexibility, and inclusivity across our workforce.

What is a lifestyle spending account?
Unlike traditional benefits that focus solely on medical care, LSAs empower you to choose how to invest in your physical, emotional, and financial wellness.

Example of eligible expenses may include:

• Gym Memberships, fitness equipment, financial advisor, language courses, books/audiobooks,  family support such as tutoring cost for child. For a full list of eligible expenses please check 
  it out here.

• LSAs are post-tax benefits, meaning reimbursements are considered taxable income. You earn funds by participating in challenges and activities on the Espresa platform—starting with a $75 reward just 
  for registering!
  

Espresa – Account Sign Up and Management

For New Users:

• Visit Espresa.com/login or download the Espresa app
  

• Enter your IFS North America email address and select “Next”
  

• Click “Forgot Password” and instructions will be sent to your IFS email
  

• If you’re having trouble creating your account, please reach out to support@espresa.com
  

For Returning Users:

• Visit Espresa.com/login or download the Espresa app
  

• Log in with your IFS North America email address and password your previously set up
  

Submitting A Reimbursement:

• Log into Espresa (mobile or Desktop) and click on “Reimbursements” on the left-hand navigation menu

• Select LiveWell. Read instructions and documentation

• Enter expense descriptions, amount being claims and any comments (if applicable). Attach receipt and click “Submit”. After submitting, you will receive confirmation to let you know your claim is in review

• If the Espresa team has questions about your claim, they will reach out and you will be notified via email

• Once your claim is approved, you will receive an email notification with confirmation, and you will receive your reimbursement via your linked ACH account

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.

Voluntary Accident & Death Insurance

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

• Employee: The lesser 6x of salary up to $750,000
  ‒ Guaranteed issue amount: $300,000
• Spouse/domestic partner: Up to $200,000
  ‒ Guaranteed Issue amount: $50,000
• Child(ren): $10,000 ($5,000 for less than 6 months of age)

Please Note:

• Certain coverage requires evidence of (EOI): You will be notified if this applies to you.

• In order to elect Dependent Life/AD&D insurance, you will need to make an election for Supplemental Life/AD&D as an employee

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.

Short Term Disability (STD)

• STD is an employee benefit that provides partial income replacement when an employee is temporarily unable to perform their job due to serious illness or injury.

• STD provides 60% of weekly earnings up to a $2,500 weekly max.

• IFS Paid Benefit

Long-Term Disability (LTD)

• LTD is an employee benefit which begins if your health condition prevents you from returning to working for more than 90 days

• LTD provides 60% of monthly earnings up to a monthly maximum of $6,550.

• IFS Paid benefit

Optional Long-Term Disability (LTD)

• You can purchase additional LTD coverage up to 70% of your monthly base pay up to a monthly maximum of $8,750.
• Employee Paid

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

• Invest in your future through easy payroll deductions.

• *2027 Contribution Limits:

  • Standard employee contribution: Up to $25,500 for those under age 50

  • Ages 50–59: Up to $8,500 in catch-up contributions, for a total of $34,000.

  • Ages 60–63: Up to $11,750 in catch-up contributions, for a total of $37,250.

  • Ages 64 and over: The catch-up contribution returns to the lower amount ($8,000 in 2026).

• Important Change: Starting in 2026, catchup contributions for those earning $150,000 or more in FICA wages (2026 limit) will be directed to a Roth 401K account.

• You can make changes to your contribution percentage or investment elections at any time by logging into your 401(k) account once your enrollment is active.

• Vesting schedule: YR 1 = 25%, YR 2 = 50%, YR 3 = 75%, YR 4 = 100%

• Employer Matching Contributions – IFS may make a matching contribution on your behalf if you contribute to the 401(k) plan.

Do you have a beneficiary on file? Don’t forget to update or add directly in Empower!
*Subject to change. 2027 limits have not been released at the time of this presentation

Administered by Blue Cross and Blue Shield of Illinois

Cash benefits paid to you in cases of covered accidental injuries to help pay medical expenses or living expenses.

ELIGIBILITY

All eligible, active full-time employees

COVERAGE TYPE

Off-the-Job Coverage

REDUCTION SCHEDULE

Benefits terminate at retirement or age 70, whichever occurs first.

BENEFIT COVERAGE AVAILABILITY

Employee
Employee and Spouse
Employee and Children
Family

See benefit summary for additional benefit details.

Administered by Blue Cross and Blue Shield of Illinois

Financial support to help pay covered out-of-pocket expenses for covered critical illnesses, such as a heart attack or cancer.

Eligibility: All eligible, active full-time employees

Administered by Blue Cross and Blue Shield of Illinois

Cash you can use to pay out-of-pocket expenses that your major medical plan doesn’t cover for hospital stays.

Administered by Mutual of Omaha

The EAP through Mutual of Omaha (MOO) offers to help you live a well- balanced life 24/7, 365 days of the year!

Here are some examples of services offered to you at no cost:

• Mental health support

• 5 counseling sessions per year (per household) either face-to-face or virtually

• Childcare resources

• Elder care resources

• Legal assistance

• Emotional, or financial wellness

• EAP is available for all colleagues, even if you are not enrolled in the medical plan

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

Administered by Blue Cross and Blue Shield of Illinois

Teladoc®

Diabetes Management and Hypertension Management Solutions

• Teladoc will continue to be offered by BCBSIL.

• Welcome kit with smart glucose meter or connected blood pressure cuff.

• Digital and live coaching through meter, phone, and the Teladoc Health mobile app.

• Services covered with no out-of-pocket costs.

   

MDLive*

Virtual Healthcare

• MDLive will continue to be offered by BCBSIL to provide members with access to virtual care

• MDLive provides a range of services including primary care and mental health support

• Members can obtain services via mobile app, online video or telephone service

• Real-time consultation with an independently contracted, board-certified doctor or therapist

• Prescriptions sent to a pharmacy of your choice

• Members can also receive care without video

*Must be enrolled in a BCBS medical plan to utilize.

Administered by Allstate

Comprehensive identity protection with unique tools and proactive monitoring that help you see, manage and protect personal data.

Administered by ARAG

Access to attorneys for will preparation, estate planning, family law, and more. Plus, there are no hourly fees if you use a network attorney.

Administered by Pets Best

Helps cover the costs of veterinary care including surgeries – can set up directly with vendor!

Administered by PerkSpot

Gives you access to thousands of exclusive and unbeatable deals from top brands across 25+ savings categories https://ifsna.perkspot.com/