Co-op Employee Benefits

NRECA provides employee benefits to over 170,000 individuals at more than 1,000 co-ops across America.

For more than 70 years, NRECA has helped co-op families invest in themselves and their futures by providing comprehensive and affordable employee benefit programs. We understand the needs of co-op employees and work hard to maintain strong and affordable benefit programs. NRECA offers the following group and retirement benefit plans and programs with services to support them:

  • 401(k)
  • business travel accident
  • dental
  • defined benefit and deferred compensation plans
  • disability
  • life insurance
  • medical
  • prescription drug
  • vision

NRECA Employee Benefits Participants
Go to to review and manage your benefits.

  • Plans

    Representatives from NRECA work with participating co-ops to select the desired benefits package that will best suit the needs of their employees. NRECA recognizes that the needs of co-op employees vary, and the benefit plans listed below have varying levels of customization to ensure the needs of co-op employees are met. Additionally, a regional relationship manager is available to serve as the main point of contact for co-op staff. The relationship manager works with co-op representatives to provide details on the benefit plans and provide ongoing advice about benefits issues that impact co-ops and plan participants. Co-ops can choose from the retirement and group insurance plans as described below:

    Group Benefit Plans
    • Business Travel Accident — Insures employees on co-op travel.
    • Dental — All dental plans cover 100 percent of preventive and diagnostic care but have different coverage levels for basic and major services and orthodontic services.
    • Disability — Co-ops can choose long-term and short-term plans to provide a financial safety net for their employees.
    • Life Insurance — Co-ops and co-op employees have purchased more than $1 billion in life insurance coverage for co-op employees and their families through NRECA benefit plans. Co-ops can offer their employees life insurance and Accidental Death and Dismemberment (AD&D) at fixed-dollar amounts or at one-to-five times salary.
    • Medical — NRECA offers a comprehensive array of medical plans. Co-ops can customize coverage by electing the deductible, coinsurance and out-of-pocket maximum. Preventive services are covered at 100 percent and are not subject to the annual deductible.
    • Prescription Drug — Tiered prescription drug benefit options allow co-ops to choose coverage levels by drug type, while consumer-driven prescription drug options encourage generic drug use.
    • Vision — Vision plans cover eligible eye exams, lenses and frames. Some plans have provider networks and offer discounts on laser vision correction.

    Retirement Benefits
    • 401(k) — Co-ops can offer their employees pre- and post-tax savings opportunities through this plan and may also elect to offer a Roth 401(k) option. Co-ops can also elect a self-directed brokerage account option.
    • Defined Benefit — Co-ops can choose a defined benefit-based option for their employees. The co-op can customize the plan based on the level of benefit and the age or participation requirements for full benefits. Plan participants can choose from a wide variety of distribution options upon separation from service.
    • Deferred Compensation — Co-ops may sponsor and administer deferred compensation plans that allow highly-compensated employees or directors to defer a portion of their compensation. There are a variety of non-qualified plans available depending on the taxable status of the co-op.

    For more information on any of these plans, please contact NRECA’s Member Contact Center at 866-673-2299 or

  • Programs and Services

    NRECA provides programs, services and publications that offer extensive resources to employees and co-ops. Relationship managers are available to help co-ops understand the benefit plans, provide assistance of the implementation and operation of selected benefits and provide ongoing advice about benefits issues that impact co-ops and plan participants.

    Participant Resources
    • Centers of Excellence — The program gives medical plan participants access to high-quality, specialized medical care at state-of-the art medical facilities as well as personalized nurse support and case management. Centers of Excellence provide treatment for organ transplants, bariatric (weight loss) surgery and cancer.
    • Health Counseling — Health coaches provide comprehensive support for many health care and wellness decisions including tobacco cessation. Participants have free, confidential 24/7 access to a health coach. This program also includes outreach to participants with certain conditions.
    • Life Strategy Counseling —  Life Strategy Counseling, a nationwide telephone-based assistance program, helps participants manage a variety of personal, emotional and wellness matters. Trained counselors are available 24/7 to provide information, resources and referrals.
    • Maternity Management — All expectant mothers receive many helpful resources including screenings for high-risk pregnancies and specialized case management for pregnancy complications. A registered maternity nurse provides support and educational materials during pregnancy, labor and delivery.
    • Online Account Access — Participants in the medical or retirement plans can access their benefit information online and perform account management transactions as well as receive additional education and information about their available benefit programs.
    • Retirement Education and Guidance — Licensed, non-commissioned financial professionals provide 401(k) and defined benefit plan participants with retirement planning and investment education. Retirement planning, investment and money management workshops, seminars and one-on-one consultations are available.
    • Tax-advantaged Side Accounts — Co-ops may elect to offer employees these accounts to offset out-of-pocket health care costs, and, in some cases, dependent care costs.
    • Wellness Education — NRECA provides resources to co-op employees along with guidance and incentive strategies to help co-ops develop worksite wellness programs.

    NRECA provides co-ops with a wealth of consultative resources, including relationship managers who provide benefit plan advice and guidance. Listed below is a brief summary of the resources to which co-op staff and employees have access.

    Co-op Resources
    • Relationship Managers — Co-ops have access to an NRECA relationship manager who can provide details on the benefit plans and provide ongoing advice about benefits issues that impact co-ops and plan participants.
    • Consulting and Operations — NRECA provides administrative services, claims processing and a contact center for co-ops and benefit plan participants. Also, co-op staff members can consult with individuals at NRECA about benefit plan compliance, including preparation of reporting and disclosure communications and performing required minimum participation coverage and nondiscrimination testing. Co-ops can also obtain documents necessary to operate the plans.
    • Online Benefits Administration — Co-op staff have access to an online portal that allows them to process annual enrollment changes and employee benefit changes, submit retirement and salary information, request retirement benefit plan projections, view and model insurance plans, manage wellness resources, and view and make invoice payments. An online benefits administration assistant educates co-op staff members on benefits management, provides a consolidated resource for necessary forms, deadlines and contact points within NRECA. As the benefits administration environment is constantly changing, information is provided online to ensure co-ops have access to the most up-to-date resources and content.
    • Conferences and Education — Given the complex nature of benefits administration, NRECA provides co-op staff with multiple opportunities for professional development and networking, including access to NRECA staff and industry experts. Co-op staff can choose from onsite and online training opportunities to maximize their personalized learning experience.

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