The NARFA Employee Assistance Program
A Confidential Resource Specifically for You
The NARFA Employee Assistance Program is a benefit for NARFA member businesses through the NARFA Insurance Trust Program, which assists you if you need help with issues regarding personal matters, such as work performance or challenges in your life. If you feel like there are challenges that are overtaking your life, this is the place to start to overcome those challenges
No confidential information shared with an EAP can be released without your written consent. Exceptions include information in accordance with state laws when there is a serious risk of harm to self or others, elder and/or child abuse.
Treatment by EAP counselors is covered under Federal HIPAA regulations. Modern Assistance takes every precaution to ensure your confidential information is protected.
Modern Assistance Services:
- On-demand; flexible scheduling
- Licensed Master clinicians
- No copay/cost; included in benefit package
- Available via telehealth, in-person, or via telephone
- Referrals to treatment facilities and outpatient providers
- Ongoing aftercare planning
- Confidential call to EAP
- “Walk in” for crisis situation
- Clinician determines appropriate next steps for employee
- Treatment program
- Release of information (ROI) can be signed when needed to update employer
NARFA Dental Program
A Confidential Resource Specifically for New Hampshire Members
Businesses in the automotive, roads, and fuel industries have unique needs when it comes to dental coverage. That’s why NARFA has negotiated employee dental benefit plans tailored for you. The NARFA Dental Plans are designed to provide employees with maximum benefits, very little fine print, and complete freedom to use any dentist.
The NARFA Exchange and Purchasing Cooperative specializes in the dental coverage needs of small businesses: You can offer your employees a choice of multiple dental plans.
NARFA Voluntary Benefits and Life Insurance
NARFA strives to offer the best benefits for our membership, and our Voluntary Benefits programs offer great flexibility to our already rich benefits offerings. We designed our program with several things in mind:
- Employees want additional benefits
- They relieve financial pressure
- They are cost-effective
NARFA has negotiated affordable group life insurance plans that ensure your employees’ families have the money they need for expenses that could result from the loss of a family provider.
If an individual is enrolled in the NARFA Medical Program $10,000 life insurance policy is included. The employer can also provide a group insurance $10,000 benefit for are benefit eligible.
The employee also has the option to buy their own individual policy for themselves, spouse, and dependents. NARFA has negotiated excellent rates for membership, and is always happy to review.
Policy reviews can uncover:
- Changes in life expectancy and medical history
- Insurance company changes
- Products offered in the market that may be a better fit
- Premium changes based on preventative care, risk level, and more
NARFA Short Term Disability Plan
The NARFA Short-Term Disability Program will help you and your eligible employees insure a portion of your/their income if you/they should become disabled.
Voluntary Short-Term Disability Insurance pays a flat dollar amount if a claimant cannot work because of a disabling illness or injury. Employees have the opportunity to purchase Voluntary Short-Term Disability Insurance in flat amounts not to exceed 60% of pre-disability earnings.
Once approved for coverage, benefits commence on the 15th day of the accident and the 22nd day of sickness and are designed to continue for a total period of 26 weeks (including elimination periods).
For businesses in New Hampshire, all your full-time employees can participate in this valuable program on an employee-pay-all basis. The Short Term Disability Program is treated as an employee-pay-all program; therefore, the benefit will be treated as “non-taxable”.
Short-term disability policy benefits and premiums are determined by annual salary range (does not include bonuses, commission & overtime).
NARFA Long Term Disability Plan
The NARFA Long-Term Disability Program will help you and your eligible employees insure a portion of your/their income if you/they should become disabled.
Voluntary Long-Term Disability Insurance pays up to 60% of the claimant’s base income if a claimant cannot work because of a disabling illness or injury.
Once approved for coverage, benefits commence once the 180 day elimination period has been met. Payments will continue for as long as the claimant remains disabled as defined by the policy, or until they reach their Social Security Normal Retirement Age, whichever is sooner.
For business in New Hampshire, all of your full-time employees can participate in this valuable program on an employee-pay-all basis. The Long-Term Disability Program is treated as an employee-pay-all program; therefore, the benefit will be treated as “non-taxable”.
Long-term disability policy benefits are 60% of your base income and pricing is determined by age bands.
NARFA Multiple Employee Pension Plan (MEP)
The retirement coverage gap can and should be narrowed. Employer-sponsored retirement savings plans have become a critical component of the private retirement system in the U.S.
People earning between $30,000 and $50,000 per year are 16.4 times more likely to save for retirement if they have access to a workplace plan.
MEPs— single plans utilized by two or more employees-leaves have been deployed successfully for years by trade associations and professional employee organizations.
In New Hampshire, our program has the benefit of requiring a single Form 5500 and plan audit for the entire group, and significant advantages gained by participating in a MEP, including:
Policy Review Can Uncover:
- Elimination of primary fiduciary responsibility
- Investment fiduciary protection-relief from responsibility for selecting and monitoring plan investments
- Economies of scale in the form of buying power of a single large plan vs. smaller plans and greater negotiating power when buying investment and other plan services
- Cost savings
- Only a single plan document is maintained
- Single source solution for plan services
- Ease of use for small businesses
- Elevated level of governance and attention to detail that employers of all sizes are unlikely to achieve without costly assistance