Below is a summary of the benefits offered. Please refer to the 2026 Employee Benefits Guidebook in the Resources section for more information.

MEDICAL PROGRAM

We will continue to offer three plans through United Healthcare – two UHC plans and one Surest plan. Due to a significant increase in premium for 2026, there were some changes made to the two UHC plans as well as an increase in payroll contributions. The Surest plan also had some changes, but payroll contributions for this plan will decrease.

DENTAL PROGRAM

There are no changes to the UHC dental plan design or payroll contributions.

VISION PROGRAM

There are no changes to the UHC vision plan design or payroll contributions.

SUPPLEMENTAL BENEFITS

Critical Illness, Accident, and Hospital Indemnity Insurance. There are no changes to the UHC supplemental benefit plan designs or payroll contributions.

FLEXIBLE SPENDING ACCOUNTS

Please keep in mind, FSA Accounts have a “use it or lose it” rule, minus the rollover for the Health Care FSA. Therefore, you must predict your 2026 spending when electing this benefit. You cannot change it during the year once elected. Careful planning is required!

Health Care FSA

• The 2026 Health Care FSA maximum is $3,400. This plan is Use it or Lose It so plan carefully. If you have a balance remaining at the end of the year, you will only be able to roll over up to $680.

Dependent Care

• You can set aside an amount up to $7,500 per household on a pre-tax basis to use towards qualified dependent care expenses such as before/after school care, day care, and summer day camp.

LIFE AND DISABILITY

The Life and Disability plans will move to New York Life. There is a one-time Open Enrollment opportunity:

• Voluntary Life – Employees can elect up to $150,000, Spouses can elect up to $30,000, and Children up to $10,000 on a Guarantee Issue (GI) basis! Any amounts above this will require Evidence of Insurability (EOI). If you are already enrolled for an amount about the GI, you will be grandfathered at your current amounts and will not need to complete EOI.

• Voluntary Short Term Disability – if you are currently enrolled, there will be no change in cost for your coverage. If you previously waived coverage, you can elect this benefit during Open Enrollment on a guarantee issue basis (pre-existing condition limitations will apply)!

403(b) RETIREMENT SAVINGS PLAN

Lenape Valley Foundation’s Retirement Savings Plan allows you to make contributions of pre-tax dollars or after-tax (ROTH) dollars to your retirement savings account.

For calendar year 2026, the IRS allows participants to contribute a maximum $24,500 of your before-tax or ROTH earnings to the Plan, (if you are over 50 or will be 50 by December 31, 2026, the IRS will allow an additional $8,000 catch up contribution). Beginning in 2026, those between 60 and 63 will be eligible to contribute up to $11,500 as a catch-up contribution.

PET INSURANCE

Pet Insurance through Nationwide is available to all staff at discounted rates! You will have a choice of a 70% or 50% benefit – pick the coverage that is right for you! You can insure most household pets, and the rates for cats and dogs and most other household pets. Use any vet – no networks for pre-approval. Enroll directly through Nationwide at http://www.petinsurance.com/lenapevf and the benefit will be payroll deducted!

STUDENT LOAN REPAYMENT PROGRAM

Thrive Advisors can help staff tackle student debt. The student loan assistance program includes:

• Advice and insights to help you consolidate your loans and save money
• Loan review and analysis

WAIVING MEDICAL

A waiver credit is available for those who do not enroll in Lenape Valley Foundation’s medical program. The credit is $100 per month, prorated for benefits eligible employees working between 30 and 37.5 hours per week.

In order to receive this benefit there are two steps: 1) waive the medical plan and 2) enroll in the Opt Out Medical Reimbursement plan.

TOBACCO SURCHARGE

Employees who participate in the LVF medical program AND continue to use tobacco products will pay an additional $40 per month. All employees participating in the LVF medical program in 2026 will be required to complete an affidavit regarding status of using (or not using) tobacco products.

SPOUSES - MEDICAL

Spouses will be eligible to enroll in the medical plan if they do not have access to their own employer sponsored plan. If you enroll a spouse, you will need to complete a Spousal Participation Affidavit attesting that they do not have access to employer sponsored coverage. Please click arrow below to download Affidavit.