EmPowerHR has partnered with the best companies in their respective industries to provide outstanding service to all of our clients. Because of our relationships with these companies below we are able to provide all EmPowerHR clients services, which are commonly offered to only Fortune 500 Company's. UnumProvident Short and Long Term Disability Insurance and Life Insurance UnumProvident combines the resources of the three income protection leaders - Provident, Unum and Paul Revere - each with over a century of leadership and experience. UnumProvident is the industry leader in disability income protection and one of the top providers of supplemental benefits in the nation. UnumProvident provides more than a benefit check to claimants...they provide a wide range of benefits and services designed to help people during what is often the most trying time of their lives – loss of income due to illness or injury. In 2004 alone, UnumProvident replaced over $4.2 billion in lost income to help support families. UnumProvident is the choice of nearly one of every four U.S. employers who offer group disability insurance insurance coverage – providing income protection disability insurance to more than 11 million American workers. Delta Dental Dental Services Delta Dental Plans Association is the nation's largest, most experienced dental benefits system and is unparalleled in the industry. Comprised of independent, affiliated dental service corporations, Delta Dental offers a nationwide system of dental health benefits. The Delta Dental System is comprised of 39 independent Delta Dental Plans, operating in all 50 states, the District of Columbia and Puerto Rico. These member Plans provide coverage to 45 million people, enrolled in 76,000 groups administered locally or nationally through DeltaUSA. DeltaPreferred Option USA (DPO) has a national network of more than 50,000 dentists practicing in over 73,800 locations. Humana Medical Care Humana Inc. is one of the nation's largest publicly traded health benefits companies, with approximately 7 million medical members located primarily in 15 states and Puerto Rico. Humana offers coordinated health insurance coverage and related services through a variety of plans- health maintenance organizations, preferred provider organizations and point-of-service plans. Humana provides access to hundreds of thousands of doctors across the nation. Humana's ChoiceCare Network alone includes more than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia, serving 1.3 million PPO members. VSP Vision Care VSP has a comprehensive network of over 22,000 doctors, located in rural and metropolitan areas throughout the nation. More than ninety percent of members have access to a VSP doctor within ten miles of work and home. With over 41 million members nationwide, one in eight people in the United States rely on VSP for eye care health coverage. VSP doctors provide both eye exams and eyewear, making for a convenient "one-stop" means of obtaining eye care benefits. For six consecutive years VSP has received the prestigious honor of being ranked in Fortune Magazine's list of the "100 Best Companies to Work For." ComPsych Employee Assistance Programs Headquartered in Chicago Il, ComPsych GuidanceResources® is a fully integrated continuum of employee assistance, work-life, behavioral health and wellness services which help individuals improve their behavioral and physical health and also address personal, family and life issues. ComPsych provides personalized guidance services from behavioral experts 24 hours a day, seven days a week. Wherever employees and their families live, work or travel, their staff professionals are available to provide immediate help, with services throughout the U.S. and 92 countries. No matter what issue or personal concern an individual is facing - from emotional problems, relationship and family issues to legal, financial or wellness concerns - ComPsych GuidanceResources provides a team of professionals ready to help. Eflexgroup.com Flexible Spending Accounts / IRS Section 125 Plans Eflexgroup.com is a national web-based third party administrator of pre-tax employee benefits and COBRA Administration. Eflexgroup specializes in all types of Cafeteria Plans, Health Reimbursement and COBRA Administration. They offer plans that are easier to explain, easier to understand, easier to access, easier to use, and easier to get your money back! First Northern Credit Union Credit Union Services First Northern Credit Union has seen many changes through the years. Established in 1944, First Northern initially served Commonwealth Edison Company employees and their families as their company credit union, then known as Edison Credit Union. Today, First Northern membership has grown more than 30,000 strong, backed by assets of $250 million, making it one of the largest, healthiest, and most progressive credit unions in the state. Fifth Third Bank Banking Relations Fifth Third Bank is a Fortune 500 company. It serves its 5.5 million customers through more than 900 full-service locations and nearly 2,000 ATMs, including 120 locations in the Chicagoland and Northwest Indiana market. From banking to borrowing and investments, Fifth Third Bank delivers products and services designed to meet consumer and business needs, all backed by one of the strongest, most financially sound banks in the nation. For the third consecutive year, Fifth Third Bancorp earned the top spot in Fortune magazine's annual ranking of the "Most Admired Companies in America." Fifth Third was once again #1 in the Superregional Bank category for its strength in eight key areas: innovation, employee talent, social responsibility, financial soundness, long-term investment value, use of corporate assets, quality of management and quality of products and services. Forest Financial Group Insurance Services FFG was established in 1998 as an employee benefits consulting firm focused on being the best in customer service. In addition to providing expert benefit plan advice, the FFG team places particular emphasis on employee communication, education, and Human Resource assistance programs. We are especially empathetic to the financial challenges, needs and demands that our clients encounter everyday. RSM McGladrey 401k Administrator RSM McGladrey Retirement Resources, EmPower’s 401(k) third party administrator, is one of the nation's leading consulting firms serving the needs of fast-growing mid sized companies including businesses with $5 million to $250 million in annual revenues. It is one of the largest consulting firms serving American businesses, assisting clients with more than 100 offices nationwide. It serves clients’ global needs through RSM International, the sixth-largest worldwide accounting and consulting organization with more than 600 offices in 70 countries. Goodworth, Kitchie and Associates Financial Advisors Since 1983 this Chicago-based financial services firm has been providing investment services to business and individuals. The EmpowerHR 401(k) presents one of the best opportunities to build a retirement nest egg. EmPower’s diverse selection of 17 funds allows you to create a strategy that’s suitable for your needs today and for every stage of your life. Fund options include American Funds, Calvert Funds, Van Kampen Asset Management, Oppenheimer Funds and Fidelity Investments. Each investment manager is a proven professional utilizing an unparalleled in-depth global research effort. Visit www.lpl.com/goodworth.kitchie to obtain interactive financial calculators or obtain a series of financial publications and research materials. Securities are offered through Linsco/Private Ledger (LPL Financial Services), the nation's leading independent brokerage firm without proprietary investment products. Member NASD/SIPC. Alliance Capital 529 Plan Alliance and Bernstein came together in 2000 creating a distinct and powerful organization. It is recognized as one of the most experienced and respected money managers in the world, offering investors a diverse line of investment vehicles including separately managed accounts, college savings (529) plans, variable annuities, retirement planning products, and a wide variety of mutual funds. Alliance Bernstein is a premier investment management firm with more than $516 billion in assets under management, with more than 4,000 employees coast to coast and in 47 countries worldwide. Their investment capabilities cover a wide range of disciplines on a global basis, including growth and value equity in the major world markets, as well as fixed income. Alliance Capital offers a unique 529 college savings plan within the EmpowerHR benefits menu. GE Consumer Finance Benefit Solutions Supplemental Benefits Benefit Solutions by GE offers supplemental benefit programs through an extensive network of participating health and legal service professionals. EmPower offers three unique packages to meet individual employee’s needs. Identity Theft Protection helps employees monitor, manage and protect valuable credit and identity information. The Legal Services Plan offers members access to qualified legal help and information at a significant savings. The Vitamin and Pharmacy discount program offers 50% savings on more than 400 vitamins, minerals, herbs and antioxidants from Bronson Laboratories. Worksite Solutions Supplemental Benefits Worksite Solutions provides a comprehensive program designed to be customized for each employee. The program is "needs-based" which allows employees to determine what benefits are appropriate based on their own unique situation. Products offered by Worksite Solutions include disability income, universal life insurance, critical condition insurance, personal accident and more.