Employee Benefits Guide
2026 Plan Year
Welcome!
When making decisions regarding the benefits we offer, NFM Lending takes our employees' evolving needs into consideration and aims to provide a level of security and protection.
We recognize the important role employee benefits play as a critical component of an employee's overall compensation. We also strive to maintain a benefits program that is competitive within our industry.
This benefits guide, together with other enrollment materials, are provided to help you understand your benefit choices and navigate through the Open Enrollment / New Hire process.
Before you enroll, please read this guide to become familiar with the benefit options. Your decisions will impact your benefit selections and what you pay for these benefits.
What’s Inside
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Click here to view the 2026 insurance premiums.
Before you get started, review important terms and definitions.
PLEASE NOTE: This information provides a summary of the benefits available. NFM Lending reserves the right to modify, amend, suspend, or terminate any plan at any time, and for any reason without prior notification. The plans described in this book are governed by insurance contracts and plan documents, which are available for examination upon request. We have attempted to make the explanations of the plans in this booklet as accurate as possible. However, should there be a discrepancy between this booklet and the provisions of the insurance contracts or plan documents, the provisions of the insurance contracts or plan documents will govern. In addition, you should not rely on any oral descriptions of these plans, since the written descriptions in the insurance contracts or plan documents will always govern.