Life and Accident Insurance

Group Term Life Insurance
Voluntary Term Life Insurance
Voluntary Accident Life (AD&D) Insurance


Retirement Overview

ARUP offers a robust and competitive retirement package. All employees are eligible to participate in the retirement program as of their first day of employment. Employees can use both pre-tax and after-tax options to save money in 403(b) and 457(b) plans. Additionally, ARUP makes contributions to employees’ retirement accounts of up to 8.1% of the employee’s eligible earnings that are 100% vested at all times.

Retirement Plan Information
Medicare/Social Security/Estate Planning

Medicare/Social Security/Estate Planning

Senior Benefits (Medicare)
Capita (Social Security)
Independence Law (Estate Planning)

Greg Lyle, Esq

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Profit Sharing

Profit Sharing Overview

All ARUP employees are eligible to participate in the quarterly profit-sharing plan beginning on the first of the month following six months of employment. Your profit-sharing amount is based on compensation earned after meeting the six-month eligibility requirement.

Profit-sharing payments vary depending on the performance of ARUP and are paid out at the company’s discretion. To receive the profit-sharing payment, you must be employed on the day the payment is made each quarter.

Profit Sharing Vesting

Under the current profit-sharing plan, all payments are 100% vested and will be paid as a bonus. The payment will be quarterly, and retirement contributions will be deducted from the payment according to your current elections at the time of the profit-sharing payment.

Profit-sharing payments made before September 2020 were paid directly to employees’ retirement accounts and are subject to a five-year vesting schedule, as outlined below:

Years of Service % Vested
<2 years 0%
2 years 25%
3 years 50%
4 years 75%
≥5 years or more 100%

Financial Wellness Programs

Kashable Loans Overview

Kashable is a financial wellness program that provides employees access to socially responsible, low-cost credit to help bridge the financial gap caused by personal emergencies and other times of hardship.

Kashable is offered through the convenience of payroll deductions, and because the program is offered through ARUP, it provides employees with their most competitive unsecured credit option in the market. With access to low-cost credit, employees can tackle costly, high-interest debt and avoid it in the future.

To be eligible for a Kashable loan, employees must have at least 12 consecutive months of employment with ARUP Laboratories. Employees that live in NY, NJ and OK are not eligible to apply for this loan."

Payactiv Overview

Through the Payactiv Financial Wellness Platform, employees have access to their earned wages ahead of payday, without any loans or hidden fees. The Payactiv app includes many features to help employees succeed financially, including:

  • On-demand access to earned wages
  • In-app bill pay feature
  • Cash pickup from Walmart Money Centers
  • Uber ordering tool
  • Savings and budgeting tools
  • Financial counseling and financial planning guides

To enroll, download the Payactiv app from the Apple or Google store.

For more information, see the pages below.