Withdrawals can be requested on our website. To request a withdrawal of your account balance, you must login to your online retirement account. Click on the "Withdrawals" sub-menu item, under "Loans & Withdrawals" in the top navigation bar. Distributions that are available to you will be displayed on this page. Some retirement plans do not allow withdrawals to be requested online. In this case, you must complete a distribution form. This form can be found by logging into your online retirement account and clicking “Forms” under the “Forms & Reports” sub-menu item on the top navigation menu. Once completed, return the form to your former employer’s HR Department.

It generally takes 7 - 10 business days from the day we receive the completed information. All contributions for your account must be received before we can process your final distribution. In some case, we may need approval from your HR department before we can process the request. This may delay your distribution from occurring within 7 - 10 business days.

Some retirement plans allow employees to request a loan from their account. Please refer to the Summary Plan Description to determine if this is an option in your plan. The Summary Plan Description can be found on the website by clicking the “Summary Plan Description” link on the menu bar at the top of the screen.

If loans are permitted in your plan, you can easily apply online by logging into your account and clicking on "Loans & Withdrawals" under the "Withdrawals" top menu.

If you have any questions regarding employee loans, please contact your HR Department, or call Alliance Benefit Group Rocky Mountain at (800) 421-4758, 8:00 a.m. - 6:00 p.m. MT, Monday - Friday. You can also reach us locally at (801) 486-3087, 7:00 a.m. - 6:00 p.m. MT, Monday - Friday.

If changes are made to your account before 1 p.m. MT, Monday through Friday, the trades will be placed the same day. Any transaction entered after 1 p.m. MT, will be processed on the next business day. Once the trades have been placed and settled, usually the following business day, the changes will be reflected in your account balance.

After logging into your account, click on the "Manage Investments" link under "Manage" on the menu bar at the top of the screen. From this new screen you will select “Rebalance” where you will have the option of entering a one-time rebalance, or a recurring rebalance. Once you have selected the target percentages, click on "Next". You will then be asked to confirm the changes and click "Submit". A confirmation number will be provided once the transaction has been accepted.

Please Note: This will rebalance your existing funds to the target percentages entered. You also have the option of updating your current investment election percentages by checking the box "Update my investment election percentages in all sources to match my account realignment percentages" at the bottom of the rebalance page.

After logging into your account, click on the "Manage Investments" link under "Manage" on the menu bar at the top of the screen. From this new screen you will select “Move Money” where you will then select the funds that you would like to transfer out of and the new funds you will be transferring into. Once you have selected the funds you will be changing, click on "Next". You will then be asked to confirm the changes and click "Submit". A confirmation number will be provided once the transaction has been accepted.

After logging into your account, click on the "Manage Investments" link under "Manage" on the menu bar at the top of the screen. From this new screen you will select "Change Elections" where can then elect what percentages and for which funds you would like to invest your future contributions. Your elections must equal 100%, and must be whole percentages in order to submit your changes. Once you have selected the new election percentages, click on "Next". You will then be asked "Would you like to rebalance your transferable balances in your plan to conform with the percentages you entered for your investment elections?" Check "YES" if you want to move the money from your old elections into your new investment elections. Alternatively, checking "NO" will ensure that only new contributions are invested in your new investment elections. Click "Next" to review your changes, and click "Submit" when you are ready to submit the transaction. A confirmation number will be provided once the transaction has been accepted, and you will receive an email confirmation of the requested changes.

When rebalancing your account you must elect to have the change apply to future investment elections. This would have been done by checking the box at the bottom of the rebalance page that reads "Update my investment election percentages in all sources to match my account realignment percentages". Your future investment elections must be changed to change where your future contributions will be invested.

See "How do I change my future elections?" to correct this problem going forward.

Your vesting depends on the number of years you have worked for your employer and the number of hours worked during each of those years. You must work a specific number of hours each year to be credited with a year of service and to increase your vesting percentage. Generally your vesting will be updated shortly after the close of each plan year. The number of hours you must work each year is defined in the Summary Plan Description.

From the login page click on the link "Forgot your login?" You will then be prompted to enter your Social Security Number and provide a verification answer. An email will be sent to your email address on file with a link that allows you to reset your password.

Please contact our Customer Service line at (800) 421-4758, 8:00 a.m. - 6:00 p.m. MT, Monday - Friday. You can also reach us locally at (801) 486-3087, 7:00 a.m. - 6:00 p.m. MT, Monday - Friday. A representative will unlock your account and ensure you are able to login to your account.

After logging into your account, click on the gear link at the top of the page by your name and select "Password Change" link on the menu page. You can then change your username and password. Please note the required criteria for both the username and password listed at the top of the screen.

In order to determine an appropriate asset allocation you should speak with your plan's financial advisor. There are also tools available on the website that can assist you in making these decisions.

There are tools available on our website & mobile app that can assist you in making the decision about how much to defer.

If you're using our mobile app, simply navigate to the "Tools" tab. On this screen you will find calculators, articles, and other tools to help your financial wellness.

Alternatively, please feel free to visit BALANCE Financial Fitness, our complementary financial fitness program that we offer to all our clients & partners.

After logging into your account, click on the “Reports” link under the “Forms & Reports” option on the main menu bar at the top of the screen. You will find the ten most recent quarterly statements listed in chronological order under the Employee Statements report group.

After logging into your account, click on the “Reports” link under the “Forms & Reports” option on the main menu bar at the top of the screen. You can then scroll down to the bottom of the new page and elect to receive statements both electronically and through the mail.

When you withdraw money from your retirement account you will receive an IRS 1099-R. We mail out all IRS 1099-R's no later than January 31st of the following year. In some cases, we may send you the IRS 1099-R when we send the check or direct deposit stub. So be sure to check your stub before you throw it away!

If you need to order a duplicate copy - you may do so by CLICKING THIS LINK.

Cafeteria benefits work by having funds deducted from your pay check before taxes are calculated. This saves participant from paying Federal, FICA, State and Medicare taxes. In many cases the savings can be more than 30%. These funds are then made availible for participants to use or claim when they have eligible medical, dependent care or transit services. The money pulled out of these accounts to pay for eligible services are never taxed.

Most non cosmetic medical, dental, vision and pharmacy expenses are eligible. For a comprehensive list please click here.

Generally the following expenses are not eligible. Cosmetic procedures, heigene items, supplements and vitamines, Fitness Programs, Insurance Premiums and Teeth Whitening. For a comprehensive list of expenses please click here.

The Benny card is a debit card that makes accessing your benefit funds easy. Simply swipe your card at the time of purchase. The funds are directly pulled from your account to pay for the services without the need to pay out of pocket and submit reciepts for reimbursement.

You should save all of your receipt when you use your debit card. Most items are approved at the point of sale, but on occasion we will request you submit receipts to Alliance Benefit Group-Rocky Mountain to show the services are eligible expenses and occurred during the plan year.

The Flexible Spending accounts can be used for you your spouse an any dependent children up to the age of 26.

To file a claim please submit a completed Claim Form with copies of receipts. You can submit a claim online from your personal account, by fax, email or mail.

Most claims will be processed in one to two business days after they are received. Payments are processed shortly after.

A valid receipt must come from a third party and show the following information: date of service, service provider, amount charged, service provided and who received the services. Please note that credit card receipts, check copies and bank statements are not valid receipts for reimbursement

Insurance premiums cannot be reimburse from a Flexible Spending Account under any circumstances. In order to have insurance premiums pre-tax they must be withheld from your paycheck by your employer.

Over the counter expenses can be eligible if they serve a medical purpose and are not medicated like band-aids, first aid and contact solutions. Any medicated over the counter items are only eligible if prescribed by a medical practitioner.

The first day of a plan year the entire FSA elected balance is available. Dependent care funds are available up to the amount that has been deducted year to date.

Elections can only be changed once a year during the enrollment period. The exception is if you have a qualifying life event. Examples of life events are marriage, divorce, birth of a child, lose of a dependent or change in job status.

Under the Health FSA and Dependent care benefits funds forfeit after the plan year ends. All plans allow for a run out period after the plan year ends to submit receipts. Some plans allow for a grace period which can give up to 2 1/2 months after the plan year ends to have new services and use funds left in the prior plan year. For information about your plans grace an run out period please contact your plan administrator.