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It's time to save for a bright future and help protect yourself and your loved ones from the unexpected. Use the resources on this site to make the most of your benefits.

Valuable benefits for you

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  • Retirement program
  • Investment options
  • Workplace benefits
  • Helpful resources

The FMOL Health retirement program is designed to help you achieve the future you envision.

ENROLL IN THE PLAN TODAY

The sooner you start saving, the more time your money has to grow. Simply register for your online account at LincolnFinancial.com/Register   and enroll in a few simple steps. It's that easy.

YOUR RETIREMENT PLANs

All FMOLHS team members are eligible for the FMOLHS 403(b) plan. FMOL Health will make contributions (core and match) to the 403(b) plan as long as you:

  • Work 1,000 or more hours in the payroll year and
  • Are actively employed on the first day of the last pay period in the payroll year

FMOLHS will match 50% of each dollar you contribute up to the first 6% of your pay. FMOL Health will also contribute 2% of your pay as a core contribution.

In addition to the FMOLHS 403(b) plan, you can save even more in the FMOLHS 457(b) plan. Keep in mind, FMOL Health only matches contributions to the 403(b) plan. You can save up to the annual IRS limit in both plans.

Additional resources

Learn more about your options and saving for retirement:

Your FMOLHS pension account

The pension plan only applies to team members hired before a certain date. If applicable, you can access your pension account at  retirementfocus.com   to see general data, accrued pension benefit, vesting percentage and more. If you have questions, call 855-874-0011. If you're enrolled in the FMOLHS 403(b) plan, you'll see your estimated pension benefit on your Lincoln quarterly statement. You can also find your pension balance in your account at  LincolnFinancial.com.   Please read this letter for more information.

This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as "Lincoln"). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. This material is intended for general use with the public. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products, and services.

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Investing doesn’t have to be intimidating. Learn about your options so you can make an informed decision.

Deciding on investments

Ready to save, but don’t want to research investments? If you make an all-in-one choice with a target-date fund, you simply choose the date closest to when you turn age 65 and it provides a diversified portfolio for you. Want to dig in with investments? Manage it yourself by choosing from the plan’s lineup. 

If you don't choose investments, your contributions will be automatically invested in the plan's Qualified Default Investment Alternative (QDIA).

Additional resources

Learn more about your investment options

Mutual funds in the Lincoln Alliance® program are sold by prospectus. An investor should carefully consider the investment objectives, risks, and charges and expenses of the investment company before investing. The prospectus and, if available, the summary prospectus contain this and other important information and should be read carefully before investing or sending money. Investment values will fluctuate with changes in market conditions, so that upon withdrawal, your investment may be worth more or less than the amount originally invested. Prospectuses for any of the mutual funds in the Lincoln Alliance® program are available at 800-234-3500.

The Lincoln Alliance® program includes certain services provided by Lincoln Retirement Services Company, LLC and Lincoln Financial Group Trust Company, Inc. with wholesale marketing and distribution services provided by Lincoln Financial Distributors, Inc. (LFD), a wholesale broker-dealer (member FINRA). All entities listed are affiliates of Lincoln Financial, the marketing name for Lincoln National Corporation. Unaffiliated broker-dealers also may provide services to customers. Account values are subject to fluctuation, including loss of principal.

Insurance products are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. Both are Lincoln Financial companies. Product availability and/or features may vary by state. Limitations and exclusions apply.

This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as "Lincoln"). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. This material is intended for general use with the public. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products, and services.

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FMOL Health provides life and disability insurance, along with special voluntary benefits, to all eligible team members.  Learn more about all of these benefits and resources offered through Lincoln Financial.

VOLUNTARY BENEFITS AT A GLANCE

If you were hired recently, please note that you can only enroll in some benefits during the first 30 days of employment; after this time, you’re no longer eligible.
 

Insurance Enrollment eligibility Resources

Employee Life Insurance

Open Enrollment Opportunity ‑ Employee Life ONLY

Team members who are within their first 30 days* of eligibility may enroll through Oracle Employee Self‑Service.

During open enrollment, team members may add an additional $10,000 if currently enrolled.

 Watch employee life insurance video

Spouse/Dependent Life Insurance

Team members who are within their first 30 days* of eligibility may enroll through Oracle Employee Self‑Service.

Accident Insurance

New hires may enroll during the first 30 days* of employment.

Current eligible team members may enroll annually.

 Watch accident insurance video

Critical Illness Insurance

New hires may enroll during the first 30 days* of employment.

 Watch critical illness insurance video

Long-term Disability Insurance

Team members who are within their first 30 days* of employment may enroll through Oracle Employee Self‑Service.

 Watch disability insurance video

Short-term Disability Insurance

Provided by FMOLHS.

*Not available after this time period.
 

ADDITIONAL BENEFITS

Find out about additional benefits that can be there for you when you need them.

HOW MUCH INSURANCE DO I NEED?

These simple calculators can help you figure out what coverage meets your needs.

This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as "Lincoln"). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. This material is intended for general use with the public. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products, and services.

Insurance products are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. Both are Lincoln Financial companies. Product availability and/or features may vary by state. Limitations and exclusions apply.

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Taking care of your financial health today can help you look forward to a bright tomorrow.

Prepare for moments that matter

Life’s big moments come with financial impacts. But preparing in advance can help you maintain your financial health and confidently handle what comes next. Check out resources for managing getting married, having a child, buying a home, student loans, caregiving, raising financially savvy kids, retiring and more. Start getting ready.

Creating a budget

A budget can help you keep track of spending, separate needs from wants and find extra money for financial priorities. Setting realistic goals and sticking to a budget may help you improve your financial wellness and manage multiple priorities. This budgeting worksheet can help make it simple as you build a budget that works for you.

This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as "Lincoln"). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. This material is intended for general use with the public. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products, and services.

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