Employee Benefits Effective January 1, 2024
Open Enrollment runs from 10/30/2023 through 11/17/2023
Your Online Enrollment is due by 11/17/2023 at 5:00 pm
Helping you and your family reach and maintain good health is very important to NFP Demo. NFP Demo is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees. Annual open enrollment is your opportunity to learn about the 2024 Benefits Program, review your current coverage and choose the best options for you and your family.
Here's what you'll need to do to get started:
- View your Benefits Overview for a brief summary of your enrollment options.
- Follow the instructions in the How to Enroll section.
- Watch the Educational Videos and view the Additional Resources to learn more about your benefits program.
Benefits Overview
NFP CO Demo remains committed to providing a competitive, cost-effective benefit program. Please review your 2024 NFP Demo Benefits Enrollment Guide for information on all of your benefits.
2024 Benefits Program Updates:
- There are no plan changes for the 2024 plan year!
How to Enroll
Action Required
1) Enrollment Instructions
ELIGIBILITY
- Coverage begins for enrolled eligible employees on the first of the month following 30 days of employment
ELIGIBLE DEPENDENTS
- Legally married spouse
- Children until they turn 26 regardless of student, marital, or employment status. This includes natural children, stepchildren, adopted (or placed for adoption), children of your domestic partner and children for whom you are legal guardian.
You will not be allowed to make a change after the open enrollment window closes, unless you experience a qualifying life event.
Medical
NFP Demo offers a comprehensive medical plan offering with a choice between a PPO and HDHP plan.
How do I locate Medical Providers?
- Follow the medical link to the CARRIER website:
- Login to CARRIER portal
- Search Provider Directory
How do I access my Medical ID Card?
- Login to CARRIER portal
- Select 'Download an ID Card'
Pharmacy
- If you are looking for the nearest retail or mail order pharmacy, you can find them here.
Video Preview
PPO vs HDHP
PPO vs HDHP
FSA
A Flexible Spending Account (FSA) helps you set aside funds to pay for out-of-pocket medical, dental, vision and prescription expenses
How a FSA works:
You have the option to participate in an employee benefit program that may increase your spendable income and lower your taxes. A FSA allows you to pay for unreimbursed health care expenses and dependent or child care services with pre-tax dollars. With an FSA, contributions are deducted from your paycheck before state and federal taxes are applied. By making these contributions with pre-tax dollars, you will reduce you taxable income and take home a larger portion of your paycheck.
HSA
A qualified high deductible health plan with a Health Savings Account is an alternative to traditional health insurance plans. The HSA is a savings product that offers a different way for consumers to pay for their health care costs. You must be covered by a Qualified High Deductible Health Plan (QHDHP) to be able to contribute to an HSA.
Your HSA is your money. Whatever you do not spend in a given year rolls over to the next. If you change jobs or retire, your HSA balance goes with you.
Dental
How do I locate Dental Providers?
- Follow the dental link to the CARRIER website:
- Login to CARRIER portal
- Search Provider Directory
How do I access my Dental ID Card?
- Login to CARRIER portal
- Select 'Download an ID Card'
Video Preview
Dental Insurance
Dental Insurance
Vision
How do I locate Vision Providers?
- Follow the vision link to the CARRIER website:
- Login to CARRIER portal
- Search Provider Directory
How do I access my Vision ID Card?
- Login to CARRIER portal
- Select 'Download an ID Card'
Video Preview
Vision Insurance
Vision Insurance
Life & Disability
NFP Demo believes in offering our employees the opportunity to provide for their family's future rather than leaving it to chance. Life insurance can provide your dependents with a lifetime of financial security and upon your death, can be used to pay off your debts - such as credit cards and your mortgage - or other expenses that could burden your family.
That's why NFP Demo provides Life and Accidental Death & Dismemberment (AD&D) insurance to full-time employees at no cost to you.
As an employee, you can purchase additional Life and AD&D for yourself, spouse, and dependents.
Disability Insurance
Becoming disabled is often and unexpected and a burdensome experience, and it can happen to anyone. Disability insurance can help protect your income in the event of a disability by providing you a benefit for injuries and sickness which are not work related.
Supplemental Health
Supplemental benefits helps offset the unexpected medical expenses, such as emergency room fees, deductible and copayments. NFP Demo employees can purchase supplemental Accident, Critical Illness, or Hospital Indemnity Coverage for themselves and their dependents.
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Accident Insurance
Accident Insurance
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Critical Illness
Critical Illness
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Hospital Indemnity
Hospital Indemnity
EAP
Full-Time benefit eligible employees and their households have access to a comprehensive Employee Assistance Program through CARRIER.
To access the EAP program, please call 801-123-4567 or use the website link below.
Video Preview
Employee Assistance Program
Employee Assistance Program
Additional Resources
Additional resources or benefits can go here.
Benefit Summaries
Each plan SBC linked here
Contact Us
As you consider your benefit options, please be sure to review all available information. If you don't understand your benefits or need any assistance, please contact Michael Scott or Toby Flenderson listed below.
Client Contacts
Michael Scott
mscott@demo.com
(385) 352-9389
Toby Flenderson
toby@demo.com
(385) 352-9389
Account Team Contacts
Chris Burnah
Benefits Administration
chris.burnah@nfp.com
385-352-9360