Below is a summary of the benefits offered. Please refer to the 2027 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. This year’s offering will include a High Deductible Health Plan paired with a Health Reimbursement Arrangement, which includes funding from LVF, and Health Savings Account.

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.

DENTAL PROGRAM

There are no changes to the UHC dental plan design, with a slight increase in 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 2027 spending when electing this benefit. You cannot change it during the year once elected. Careful planning is required! There is no carry over into the new plan year.

Health Care FSA

• • The 2027 Health Care FSA maximum is $3,500. 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 $700.

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 remain with New York Life, with no changes to the benefits.If you participate in Voluntary Life, your cost will change only if you move into a new five-year age bracket.

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 2027, the IRS allows participants to contribute a maximum $25,500 of your before-tax or ROTH earnings to the Plan, (if you are over 50 or will be 50 by December 31, 2027, the IRS will allow an additional $8,500 catch up contribution). For those between 60 and 63 will be eligible to contribute up to $11,750 as a catch-up contribution. Enrollment or contribution changes can be made year-round directly through Empower at https://participant.empower-retirement.com https://participant.empower-retirement.com, payroll changes are sent to LVF via a weekly report.

PET INSURANCE

Pet Insurance through Nationwide is available to all staff at discounted rates! You will have a choice of two plans – pick the coverage that is right for you! Enrollments or changes to your plan can be made year-round directly through 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

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.