SCR - AMHA

Table of Content

  1. Header
  2. Your 2026 AMHA (Non-Bargaining Employees) Benefits Page
    1. Eligibility
    2. Eligibility
    3. How to Enroll
    4. Instructions
    5. NEW! GLP-1 Program
    6. Medical
    7. Employee Contributions
    8. Summary of Benefits and Coverage (SBC)
    9. MedMutual My Health Plan/Mobile App
    10. Medical Mutual Total Health
    11. 24/7 Nurse Line and Care Navigation
    12. Maternity Management and NICU Management
    13. Transitional and Palliative Care
    14. Virtual Physical Therapy
    15. Digital and Telephonic Health Coaching
    16. Preventive Care
    17. HSA
    18. Prescriptions
    19. Smart90
    20. SaveOnSP (through Medical Mutual)
    21. ImpaxRX
    22. Dental
    23. Dental Summaries
    24. Vision
    25. Vision Summaries
    26. Life
    27. Basic Life Insurance
    28. Voluntary Life Insurance
    29. MetLife Benefit Summaries
    30. Beneficiary Designation
    31. Symetra Coverages
    32. Accident Coverage
    33. Critical Illness
    34. Hospital Indemnity
    35. First Stop Health
    36. All One Health
    37. Contact Information
    38. Compliance
  3. Footer

Your 2026 AMHA (Non-Bargaining Employees) Benefits Page

NEW! GLP-1 Weight-Loss program through WellnessIQ

Medical: Medical Mutual

Pharmacy: Express Scripts and Smart90

Specialty Pharmacy Assistance: ImpaxRX and SaveOnSP - through Medical Mutual

Dental: MetLife

Vision: MetLife

Basic Life: MetLife

Voluntary Life: MetLife

Accident, Critical Illness, and Hospital Indemnity: Symetra

Telemedicine: First Stop Health

Employee Assistance Program: AllOneHealth

Eligibility

The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire plan year, January 1, 2026 - December 31, 2026, unless you experience a qualifying life event. 

If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources so they can complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.

What is a Qualifying Life Event?

  • Marriage
  • Divorce
  • Birth/Adoption of a child
  • Death of a spouse or other enrolled dependent
  • Change in spouse’s benefits or employment status
  • A dependent becomes eligible for Medicare or Medicaid
What is a Qualifying Life Event?

What is a Qualifying Life Event?

When Does My Coverage Start? 

Benefits are effective your 31st day of employment.

Who is Eligible for Benefits?

Regular full-time employees and part-time employees averaging 30 hours per week or more are eligible to participate in the benefit plans.

Who are my legal dependents?

Your legal spouse (with proof of marriage).

Your children (up to age 26) including natural children, stepchildren, legally adopted children, 

children placed for adoption, children for whom you serve as legal guardian.

Disabled dependent child(ren) of any age. 

How to Enroll

OE

Action Required for all benefits-eligible employees:

To enroll into benefits, you must log in to BenXpress to enroll yourself and your dependents for coverage. All employees will use our benefits enrollment system to confirm or change benefit elections for 2026.

During Open Enrollment, you may:

  • Elect the same coverage with the same dependents.
  • Add or remove coverage for dependents. 
    • If adding a dependent, please provide a marriage certificate for spouse and birth certificate for children.
  • Decline benefits and elect to receive a waiver incentive. (with proof of coverage)
  • Enroll, if you are not currently enrolled in 2025 plans.
  • Update Life Insurance beneficiaries.
  • Enroll in additional Voluntary Life Insurance coverage through MetLife at your expense.
BenXpress Enrollment Guide

BenXpress Enrollment Guide

NEW! GLP-1 Program

AMHA has partnered with WellnessIQ to offer GLP-1 Medications to employees and spouses at a discounted price.

You do not need to be enrolled on the medical plan to have access to this program.

Register in 2 simple steps:

  1. Complete the online intake form
  2. Select your Program

All plans include:

  • Enforced by FDA - Pharmacies adhere to all State Board, USP-797, and PCAB standards
  • GLP-1 prescribed by a clinician, customized for you, with ongoing monitoring and on-demand support
  • No hidden costs, undisclosed charges, or bait and switch
  • Free, overnight, temperature-controlled shipping
  • Tips, tricks and maintenance plans to keep the weight off for life
  • Group virtual lifestyle medicine coaching
  • Change programs or cancel anytime

Along with medication all plans include Wellness Coaching, to help you develop sustainable habits for long-term health.

  • Goal Setting
  • Behavior Change
  • Emotional Health and Stress Management
  • Healthy Sleep and Nutrition Strategies
  • Exercise

All employees and spouses have access to the Wellness Coaching - you do not need to register for GLP-1 medication. 

Click the link below to register!

GLP-1 Program Flyer

GLP-1 Program Flyer

Medical

AMHA offers 3 medical plans through Medical Mutual.

A PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance. The EPO plan only covers In-Network providers. 

The HDHP is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. ​ All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. 

If you enroll in the HSA plan you must open a Health Savings Account (HSA).

Notice: IRS guidelines for 2026 have increased the single and family deductible to $3,400/$6,800 for the HDHP plan.

 Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Medical Mutual's contract rate as the final charge and the member is not balance billed*. 

**Balance Billing: Some Out of Network Providers bill a patient the difference between the total cost of services and the amount insurance pays.

Medical Summary

Employee Contributions

Employee Contributions

Summary of Benefits and Coverage (SBC)

Looking for more details about how items are covered? Please refer to the formal Medical Mutual Summary of Benefits and Coverage (SBC) below. 

Waiting on signed WebBens to trigger SBCs

HSA Plan Summary of Benefits and Coverage

HSA Plan Summary of Benefits and Coverage

EPO 500 Summary of Benefits and Coverage

EPO 500 Summary of Benefits and Coverage

PPO 500 Summary of Benefits and Coverage

PPO 500 Summary of Benefits and Coverage

MedMutual My Health Plan/Mobile App

My Health Plan is Medical Mutual's secure website specifically for Medical Mutual members. It makes it easy to manage your plan and your health online. It allows you to compare your healthcare options so you can make better decisions and minimize cost.

To download or update the app, visit your device's App Store (Apple) or Google Play (Anroid).

On My Health Plan you can:

  • Check your deductible
  • Review your Explanation of Benefits (EOB)
  • Find in network doctors
  • Access your ID Card

To create your account:

  • Visit MedMutual.com/Member
  • Click on "Register for an Account"
MMO My Health Plan
MMO Mobile App Flyer

MMO Mobile App Flyer

Medical Mutual Total Health

Akron Metropolitan Housing Authority is part of Medical Mutual's Total Health Program. (previously known as Chronic Condition Management)

You have access to the below services, at NO COST.

  • Self-Service Wellness tools via My Health Plan
  • 24/7 Nurse Line
  • Maternity Management
  • Care Navigation
  • Palliative Care
  • Transitional Care
  • Progeny Health: NICU Management
  • SWORD Health: Virtual Physical Therapy
  • BLOOM: Virtual Pelvic Health Therapy
  • Digital and Telephonic Health Coaching
24/7 Nurse Line

24/7 Nurse Line

Nurse Line

Members have direct access to MMO nurses. Nurses provide easy to understand explanations about tests and results, how to treat minor illnesses at home, and help determine if you or a dependent need to seek further medical care from a doctor, urgent care, or the ER.


There is no charge to use the MMO nurse line. This is a 24/7 support line.

Reminder: have your group number and member ID readily available. This can be found on your MMO ID card.


1-888-912-0636


Care Navigation Program

Members have access to MMO nurses to assist with goals and developing condition specific care plans. A dedicated care navigator will serve as a personal advocate and single point of contact to help manage a member's conditions and overall health, improve the quality of care they receive and control the cost of their care.

Maternity Management


Medical Mutual provides digital resources to help members prepare for babys arival through age 2. During pregnancy members receive weekly updates and have access to tools to look up symptoms and issues.


Once baby arrives members can track feeding, diaper changes, and milestones through age 2.


You can find the app by searching MedMutual Maternity.


There is no cost associated with the app or its tools for members enrolled on the health plan.



NICU Management with Progeny Health


Medical Mutual has partnered with Progeny Health to increase the level of NICU support. Progeny will reach out to members who may need this support to offer care management to babies and their families through the baby's first birthday.

Maternity App Flyer

Maternity App Flyer

The Transitional Care Program provides nurse-led health coaching and support with home visits after a high-risk hospital stay. Nurses will help members prepare for their hospital release, visit them at home to check on their progress for up to 30 days after release, and connect them with local resources that can help them stay healthy while living at home.


With the Palliative Care Program, members with advanced illness have access to non-hospice community-based in-home support led by physicians, nurses and social workers, to help improve their quality of life as they manage their treatment plan.


These programs are free to Medical Mutual members on the AMHA Health Plan.

Transitional Care

Transitional Care

Palliative Care

Palliative Care

Medical Mutual virtual physical therapy provides guided physical therapy at home with real-time feedback, which can help members avoid injury and surgery, reduce pain, and decrease reliance on medication.


There programs are offered through THRIVE-SWORD and BLOOM.

BLOOM

BLOOM

Sword

Sword

Medical Mutual's digit coaching is provided through LARK for members with Diabetes and Hypertension.

Digitial Health Coaching provides smartphone-based coaching customized to meet a member's needs. Depending on your health condition, you may receive free supplies, including scale, glucometer, blood pressure cuff, or more, at NO COST.

See attached flyers for more information on each plan for Diabetes and Hypertension.

Telephonic Health Coaching

  • Asthma
  • Heart Disease
  • Type 1 diabetes
  • COPD

MMO nurses help educate and support members, and work with them to set individualized goals and develop condition-specific care plans.

Nurses are available Monday through Friday, 8am-4pm.

1-800-590-2583

Diabetes Management

Diabetes Management

Hypertension Management

Hypertension Management

Diabetes Prevention

Diabetes Prevention

Preventive Care

All health plans recognize routine preventive services at 100%, with no coinsurance and no deductible if the claim is submitted as routine or preventive and the services performed fall within the approved list of preventive services.

For a complete and updated list of preventive services, please use the link below.

During your wellness visit, proactively let your physician know the reason for the appointment is for a wellness visit and that your physician needs to submit and code the visit as routine or preventive in nature. If your visit is submitted with a diagnosis, the wellness visit will not be paid at 100%, but instead will be subject to deductible and coinsurance. Below are a few examples of services that can be recognized as preventive.

  • Routine wellness exams, including well baby and child routine exams.
  • Cholesterol and lipid level screening
  • Pelvic exam, pap test and screening mammograms
  • Colorectal cancer screening, colonoscopies, sigmoidoscopies (age limits apply)
  • Vaccines & immunizations
  • Contraceptives (specific list applies)
  • Diabetes screenings
MMO Preventive Drug Flyer

MMO Preventive Drug Flyer

Preventive Care Guidelines

Preventive Care Guidelines

HSA

Health Savings Account

A Health Savings Account (HSA) is a tax-free savings account that is owned by you, it is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.

To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).

UNDERSTANDING YOUR HSA

  • Pre-tax contributions are deducted through payroll and deposited into your HSA account.
  • You can use your HSA available funds to pay for qualified medical expenses tax-free. 
  • If HSA funds are used for non-eligible expenses, they are subject to regular income taxes and a 20% excise tax penalty. 
  • Unused funds remain in your account for future use and roll over each calendar year.
  • HSAs remain with you even if you change health plans or companies. If you open an HSA and later become ineligible to make contributions, you can still use your remaining balance for qualified medical expenses. 
  • You can change your HSA contribution at any time during the plan year for any reason.

 To have an HSA and make contributions to the account, you must meet several basic qualifications.

  • Participants cannot be covered by any other health insurance plan (this exclusion does not apply to certain other types of insurance, such as dental, vision, disability or long-term care coverage)
  • Participants cannot participate in a Healthcare FSA elsewhere or spouse/domestic partner’s Healthcare FSA or Health Reimbursement Account (HRA).
  • Participants cannot be enrolled in Medicare or Medicaid.
  • You cannot be eligible to be claimed as a dependent on someone else’s tax return.
  • You have not received Department of Veterans Affairs Medical benefits in the past 90 days, unless the Veteran has a disability rating.

You may contribute as follows: (new 2026 limits)

  • $4,400 for Employee Only
  • $8,750 for a Two-Person or Family

MAINTAINING RECORDS 

To protect yourself in the event that you are audited by the IRS, keep records of all HSA documentation and itemized receipts for at least as long as your income tax return is considered open (subject to an audit), or as long as you maintain the account, whichever is longer.

HSA Overview

HSA Overview

Employer Contributions

Contribution Maximums

Prescriptions

TRADITIONAL DRUGS


TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.


TIER 2 | Low copay: This category includes preferred and low-cost generic drugs.


TIER 3 | Higher copay: This category includes non-preferred, brand name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics and have a higher copay.


WHERE CAN I FIND A DRUG LIST?

Typically, a full listing of covered drugs is found on your provider’s website. A drug list, also called a formulary, is a list of generic and brand-name drugs covered by a health plan. Although a drug may be on the drug list, it might not be covered under every plan. Review the plan materials for details on specific benefits.

You can use drug lists to see if a medication is covered by your health insurance plan. You can also find out if the medication is available as a generic, needs prior authorization, has quantity limits and more.

RX Summary

Smart90 Flyer

Smart90 Flyer

Akron Metropolitan Housing Authority is enrolled in Smart90 with Medical Mutual. This is a feature to your prescription plan, managed through Express Scripts. With it, you have 2 ways to get up to a 90-day supply of your long-term medications (medications that you take regularly for ongoing conditions). You can conveniently fill these prescriptions either though home delivery from an Express Script Pharmacy or at a retail pharmacy in the Smart90 Network.


By getting up to a 90-day supply of your long-term medication, you’ll make fewer trips to the pharmacy, and you’ll only need to make one payment every three months. Also, there’s usually a savings for getting one 90-day supply vs. three 30-day supplies at retail. You will pay the same copayment for your 90-day supply whether you fill through home delivery from Express Scripts Pharmacy or at a Smart90 network pharmacy.


Please see attached 2024 list of Smart90 Network pharmacies.

Medical Mutual members may be eligible to participate in the SaveOnSP program that helps you pay $0 for your specialty medications.


For any new eligible medications:

  1. Your doctor or health provider will continue to send your new prescription to Accredo or Gentry for filling.
  2. An Accredo/Gentry representative will call you and transfer you to a SaveOnSP customer service representative. The SaveOnSP representative will assist you with the enrollment in the new manufacturer’s assistance program.
  3. The SaveOnSP representative will provide Accredo or Gentry your needed enrollment information.
  4. Accredo or Gentry will process the claim and you will pay $0 for your medication.
  5. After initial enrollment, SaveOnSP will only contact you once a year to ensure you are properly re-enrolled in the manufacturer’s program if needed.



The SaveOnSP service representative will ensure you are enrolled in the appropriate manufacturer program for each SaveOnSP medication you take. 

SaveOnSP Flyer

SaveOnSP Flyer

ImpaxRX Info Flyer

ImpaxRX Info Flyer

ImpaxRX is a prescription advocacy program that assists employees and their family members with the high cost of certain eligible medications. If the medications you or a family member are taking are identified as eligible under the Medication Under Management (MUM) program, an ImpaxRX advocate will reach out to you to confirm your enrollment in the program and obtain additional information needed to secure the medication at no cost.


Timely participation with ImpaxRX is required to receive these programs for your high-cost medications. Please respond if ImpaxRX contacts you! This will allow them to work on your behalf to obtain your medication at no cost.


There is no cost to you to participate in this program, and there will be no copayments for eligible medications approved by the program. Additionally, by using the program, the cost of these medications is lowered under the AMHA Health Plan which allows for savings to keep employee premium contributions to a minimum for all.


Please call ImpaxRX at 844-467-2979, option 1 with questions.

Dental

Non-Bargaining employees of AMHA are offered dental coverage for themselves and their eligible dependents through MetLife. Your dental network is the Preferred Dental Program (PDP) network. To find an In Network dental provider, use the link below and select the PDP Network. 

You have the freedom to select the dentist of your choice, however, when you visit and In Network dentist, you will have lower out of pocket costs, no balance billing and claims will be submitted by your dentist on your behalf.

PREVENTION FIRST!

Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits. Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.

Dental Summary

Dental PPO Flyer

Dental PPO Flyer

Waiting on materials from MetLife

MetLife App

MetLife App

MetLife Dental Summary

MetLife Dental Summary

How to Access MetLife Site

How to Access MetLife Site

Vision

Non-Bargaining employees of AMHA are offered vision coverage for themselves and their eligible dependents through MetLife.

Your vision network is the VSP Network. Use the link below to find an In Network vision provider, select VSP Network.

MetLife Vision Flyer

MetLife Vision Flyer

Vision Summary

Waiting on materials from MetLife

MetLife Vision Benefit Summary

MetLife Vision Benefit Summary

Life

Life/AD&D

Life/AD&D

Basic Life Insurance and AD&D

Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental Death & Dismemberment (AD&D) insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.

 Basic Life and AD&D - Employer Paid Benefit through MetLife.

All Full-Time Non-Bargaining employees are automatically enrolled in the Life/AD&D insurance with MetLife.

  • Employee Benefit: 1x annual earnings rounded up to the nearest thousand, up to a maximum of $150,000.
  • Spouse Benefit: $5,000
  • Child Benefit: $2,000 (through end of month of 26th birthday)
Voluntary Life Summary

Voluntary Life Insurance


Employees can enroll in supplemental Life Insurance. This will be in addition to your employer provided Basic Life Insurance. Coverage is also available for your spouse and dependent children. It is required that you enroll in coverage for yourself in order to be eligible for coverage for your dependents.


If you are not a newly hired employe, you are required to complete Evidence of Insurability no matter how much you select. The up to $100,000 offer is only upon hire.

Waiting on materials from MetLife

Basic Life (Non-Bargaining) Benefit Summary

Basic Life (Non-Bargaining) Benefit Summary

Voluntary Life Benefit Summary

Voluntary Life Benefit Summary

Voluntary Life Rates

Voluntary Life Rates

Beneficiary Designation

It is important to designate your beneficiaries to ensure that your assets will be distributed according to your direction.


Primary Beneficiary(ies) receive your life insurance benefits in the event of your death. Contingent Beneficiary(ies) receive your life insurance benefits if the primary beneficiary(ies) cannot. You can change your beneficiaries at any time.


Please make sure your beneficiary designations are up to date with the HR office.

Symetra Coverages

Symetra

Accident Coverage

Accident Insurance allows you to be better prepared for the unexpected. Accident insurance can cover out of pocket expenses related to an accidental injury. Benefits are paid for injuries and do not interfere with your medical plan.


When you have an accident, your medical plan pays the hospital or provider, your accident coverage pays you, and you can use that money for out-of-pocket expenses, household bills, or however you see fit while you are recovering.


With Symetra Accident Insurance,

  1. There are no health questions or tests to take
  2. No copays, coinsurance or deductibles to meet
  3. Benefits are paid no matter what other coverage you have
  4. Benefits can be used for anything


Accident Benefit Summary

Accident Benefit Summary

Accident Enrollment Guide

Accident Enrollment Guide

How to file a claim

How to file a claim

Critical Illness

Critical Illness Insurance can provide financial relief during a serious medical condition or event. This benefit pays a lump-sum benefit to you that you can use for anything - medical bills, childcare, household bills - after a covered diagnosis.

Covered conditions include, (see attached benefit summary for full list of covered conditions)

  • Cancer
  • Heart Attack
  • Stroke
  • Organ Failure
  • Loss of sight, speech, hearing
  • Severe burns
  • Coma

With Symetra Critical Illness insurance, 

  • There are no health questions or tests to take
  • No copays, coinsurance or deductibles to meet
  • Benefits are paid no matter what other coverage you have
  • Benefits can be used for anything
Critical Illness Enrollment Guide

Critical Illness Enrollment Guide

How to File a Claim

How to File a Claim

Critical Illness Benefit Summary

Critical Illness Benefit Summary

Hospital Indemnity

Hospital Indemnity coverage helps cover the cost of inpatient hospital and ICU stays. It may also cover outpatient services for mental health, skilled nursing and substance abuse.


There are no preexisting condition limitations or health questions to answer. You are paid the full per-day benefit no matter what other insurance you have.

Hospital Indemnity Enrollment Guide

Hospital Indemnity Enrollment Guide

How to File a Claim

How to File a Claim

Hospital Indemnity Benefit Summary

Hospital Indemnity Benefit Summary

First Stop Health

No crowded waiting rooms. No driving. See a doctor when you need a doctor. Talk to a doctor 24/7 at no cost to you. 

When can I use First Stop Health?

  • Your doctor is not available.
  • You become ill when traveling.
  • when you are considering treatment for a non-emergency health condition

What is a non-emergency condition?

  • Bladder infection
  • Bronchitis
  • Diarrhea
  • Fever
  • Rash
  • Seasonal flu
  • Allergies
  • Sore throat

How does it work?

  • Call (888) 691-7867 or log in to fshealth.com or download the mobile app to request your doctor visit.
  • Set up your account now so its ready when you need it!
  • Complete patient registration for medical history, pharmacy preference, primary care physician contact information and insurance information.
  • Each time you visit you will be asked brief medical questions. If appropriate you will be connected to a doctor using secure live audio and video.
  • You and your doctor will discuss your medical issue and if appropriate your doctor may write a prescription.

fsh
FSH Flyer

FSH Flyer

All One Health

All employees and their covered dependents have access to free Employee Assistance Program through AllOneHealth.

Get support for you and your family from licensed counselors 24/7.

Get help with

  • Family Conflict
  • Work/Life Balance
  • Couples/Relationships
  • Depression/Anxiety
  • Life Coaching
  • Parenting
  • Stress
  • Wellness
  • Financial and Legal Consultation

All One Health counseling can be done via phone, web portal, mobile app, chat, or video.

Company Code: akronmha

 1-800.521.3273

Orientation Video

Orientation Video

AllOneHealth Member Portal Flyer

AllOneHealth Member Portal Flyer

Contact Information

AMHA Contact Information

Mary Lutz

HR Analyst - Benefits and Compensation

330-376-9787

mlutz@akronhousing.org

Mike Gerzeny

Manager of Employee and Labor Relations

330-376-9879

mgerzeny@akronhousing.org

Carrier Contact Information

Medical Mutual 

Customer Service: 877-730-2221

Website: www.medmutual.com/member

Express Scripts

Customer Service: 800-282-2881

Website: www.express-scripts.com

ImpaxRX

Customer Service: 844-467-2979, option 1

MetLife

Customer Service: 1-800-638-5433

Website: www.metlife.com

Symetra

Customer Service: 1-800-796-3872

Website: www.symetra.com

First Stop Health

Customer Service: 888-691-7867

Website: www.fshealth.com

AllOneHealth

Customer Service: 800-521-3272

Website: www.allonehealth.com

contact

Compliance

Medicare Part D

Medicare Part D

Market Exchange Notice

Market Exchange Notice

2026 Annual Notices

2026 Annual Notices

Powered By

Insurance services provided through NFP Insurance Services, Inc. (NFPISI), a subsidiary of NFP Corp (NFP). NFP and its subsidiaries do not provide tax or legal advice. This material was created to provide a summary of the subjects covered, but should not be regarded as a complete analysis of these subjects. The services of an appropriate professional should be sought regarding your individual situation.

Copyright © 2025 NFP Corp. All Rights Reserved.