Benefits that actually Benefit you!
OZ Realty and AIFG have worked together to combine carriers to provide access to a fully customizable benefits package on an A Le Carte basis! You will be able to utilize company funds and pre-tax dollars to choose benefits you and your family actually need! In this offering you have an ICHRA, Ancillary Benefits, a 401(k) and Roth 401(k) to help you achieve your goals. Let's get started!
Next Steps:
Review: Look over all of the brochures and information below, if you have a spouse or family members include them in the process. Please take your time and review thoroughly.
Consider: Any current plans or benefits you, or your spouse, may have in place. Flexible Benefits allow us to fill any gaps in coverage
Schedule: Click the "Schedule Benefits Call" button then "Discovery Call" to schedule a phone call and go over the plans with the benefits coordinator, as well as enroll in plans! Brian will be available for in person consultations with an in office service day every month, however, it's best to enroll as early as possible and we want to make sure you're taken care of promptly!
Health Insurance
OZ offers health insurance through a program called an ICHRA. (Individual Coverage Health Reimbursement Agreement) Employees benefit from the flexibility of an ICHRA by having the freedom to choose their own health plan. So, employees don’t have to try to mold their family’s needs to fit a cookie-cutter group plan; they can choose a plan that best caters to their family’s health needs and stage of life. As such it is important to keep in mind that the health plan is an individual plan, so it is important for YOU to own these plans in all regards. Download the app, ensure your card is current, and that auto-pay is turned on. These plans work great with a little bit of due-diligence.
OZ Provides $350 /Individual & $700/Family monthly to use toward your plan..
Ameriflex provides an ICHRA debit card for you to use on premiums and 213d Medical Expenses (if funds are left over after premiums are paid)
Important associated links and documents:
These documents are required for enrollment, please work with your coordinator as you fill them out.
Below you will find links to the Ameriflex and Anthem Sydney accounts and mobile apps for you to access your plans after your enrollment!
Ancillary Benefits
Ancillary benefits can help fill the gaps. These Products are designed to complement your health insurance by helping you with the expenses that your health care plan doesn’t cover, They include Dental/Vision, Accident, Hospital Indemnity, Cancer, Disability, Critical Illness, and more. Unlike many insurance products, benefits are paid directly to you, so you can use them however you like.
OZ Realty is providing $100/month for you to spend on benefits within this offering, any premium beyond that will be administered on a payroll deduction basis.
With these plans you can cover yourself, spouse, children, and even Grandchildren!
This offering contains Dental/Vision, Disability, Life, Hospital Indemnity, Accident, Cancer, & Critical Illness.
Benefits are offered on both a pre & post tax depending on the benefit
Be sure to review the product brochures before your enrollment
After you enroll, be sure to claim your accounts on their client portal for card access and filing claims
Product Website & Brochures:
Colonial Life Access & Service
Your retirement plans are not available yet, but are coming soon!
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Your retirement plans are not available yet, but are coming soon! -----
Retirement Plans
Your retirement plan through OZ Realty consists of a few parts, consisting of a traditional 401(k) and a Roth 401(k) for your consideration, and the company is issuing a profit-sharing program as well. It is extremely important that you access this information on a desktop, as this is how Capital Group best encourages employees to enroll. Here you will find a video to watch that describes how to enroll, for your convenience there is a pdf version walking you through the entire enrollment process. If further help is needed, reach out to Chad Burtrum below!
IMPORTANT: The retirement program is a self-enrolled benefit, be sure to follow the below instructions accordingly. There is an automatic 3% enrollment if you do not enroll and select a different deduction amount, or waive the benefit with the election/waiver form.
Your Enrollment Team
Brian Crater
Benefits Consultant
brian@americanifg.com
(517)215-3693
Robin Bales
Enrollment Specialist
robin@americanifg.com
(405)296-8556
Once you are ready to enroll in your benefits, you will want to schedule an enrollment appointment. Currently in person appointments are only available in the office one day per month, for the sake of efficiency and timeliness virtual appointments are offered to employees on a revolving basis!
Mike Brenhaug
Enrollment Specialist
mikeb@americanifg.com
Chad Burtrum
Registered Representative
cburtrum@americanifg.com
(517)347-4331