Opportunity Threads Benefits: Effective 1/1/2026
Who are you and Why am I here?
Diversified Human Solutions (Matthew Tae) is here to help with back office HR functions like employee benefits and general compliance. Your employer partnered with us to help manage their employee benefit programs. Think of us as an extension of your HR department, who can help with benefits related questions and the taxes/money around those decisions. You can make your benefits elections here on this page by clicking "Make Benefits Elections" and then selecting your plan. Please browse around this page to find out how to print temp ID cards, access benefits info, find in-network providers, learn about your payroll deductions, and a lot more! You can contact us at by clicking the "Schedule Benefits Discussion" button or email service@diversifiedhumansolutions.com if you have any questions.
Health Insurance
Am I Eligible & How Do I Enroll?
You are eligible to enroll into the health insurance after 60 days of full time employment (40 hours per week). After 60 days, you can make your benefit elections and will be enrolled on the first day of the following month.
To Enroll, click "Make Benefits Election".
Opportunity Threads will pay for 80% of your premium if you are a Co-op member, 60% for Associates, and 50% if you are not a Co-op or Associate member. You will pay for the cost of adding any dependents to the plan.
To Enroll, click "Make Benefits Election".
Opportunity Threads will pay for 80% of your premium if you are a Co-op member, 60% for Associates, and 50% if you are not a Co-op or Associate member. You will pay for the cost of adding any dependents to the plan.
What is the Insurance?
The health insurance is through United Healthcare and is a HMO plan. There is also dental & vision insurance available as well through the US Federation of Worker Cooperatives Benefit Association. You also automatically receive life insurance paid for by the company.
The health insurance requires a deductible be met for less common services. Doctor visits, simple diagnostics, prescription drugs, & urgent care visits are covered BEFORE the deductible met and is only a copay. Higher cost but less frequent events such as hospitalizations, MRI, and outpatient surgeries require the deductible be met before the insurance begins to cover some of the costs. PLEASE REMEMBER TO ENROLL INTO THE CARE CASH PROGRAM! It's free money that can be used to pay for medical expenses.
The dental insurance & vision insurance are both PPO's and easy to use.
The health insurance requires a deductible be met for less common services. Doctor visits, simple diagnostics, prescription drugs, & urgent care visits are covered BEFORE the deductible met and is only a copay. Higher cost but less frequent events such as hospitalizations, MRI, and outpatient surgeries require the deductible be met before the insurance begins to cover some of the costs. PLEASE REMEMBER TO ENROLL INTO THE CARE CASH PROGRAM! It's free money that can be used to pay for medical expenses.
The dental insurance & vision insurance are both PPO's and easy to use.
Benefit Summaries
Claim Forms, ID Cards, EOB's
Other Benefits & Services
Non Health Insurance Benefits
401K Retirement Plan
PDF 401k Enrollment Form
You are eligible to enroll into the 401K plan after 1 year of employment with 1000 hours of service during the previous year.
The plan is a "Pooled Employer Plan" sponsored by Fellow Travelers in, a Professional Employer Organization (PEO). The 401K plan is "shared" by many companies to keep costs & fees low.
You will automatically be enrolled (into a target date fund) if you are eligible with a 3% salary deferral if you do not make an election. Also, your deferral will increase by 1% each year until 10% if you do not make an election.
The company will match the first 4% of your 401K salary deferrals, dollar for dollar.
You can withdraw your 401k money if you need it. Please refer to "Hardship Withdraw Form" below.
You can get more information about the Fellow Travelers 401K plan HERE.
You can enroll into the plan / check your account using these instructions Online Enrollment Guide.
You are eligible to enroll into the 401K plan after 1 year of employment with 1000 hours of service during the previous year.
The plan is a "Pooled Employer Plan" sponsored by Fellow Travelers in, a Professional Employer Organization (PEO). The 401K plan is "shared" by many companies to keep costs & fees low.
You will automatically be enrolled (into a target date fund) if you are eligible with a 3% salary deferral if you do not make an election. Also, your deferral will increase by 1% each year until 10% if you do not make an election.
The company will match the first 4% of your 401K salary deferrals, dollar for dollar.
You can withdraw your 401k money if you need it. Please refer to "Hardship Withdraw Form" below.
You can get more information about the Fellow Travelers 401K plan HERE.
You can enroll into the plan / check your account using these instructions Online Enrollment Guide.
401K Plan Materials
Dental & Vision Benefits: Through US Federation of Worker Cooperatives
Opportunity Threads will pay for 80% of your premium if you are a Co-op member, 60% for Associates, and 50% if you are not a Co-op or Associate member. You will pay for the cost of adding any dependents to the plan.
We participate in the US Federation of Worker Cooperatives aggregated Dental & Vision Plan. Please contact Raul or the US Federation directly for more info: benefits@usworker.coop
Our Dental Insurance is fantastic! There is virtually no network because if you see an out of network provider, the dental plan will reimburse the out of network visit at in-network benefit copays / coinsurance! Only in very rare situations would that not be the case (VERY RARE).
Our Vision Insurance is a "no-brainer" if you use contacts / glasses consistently. If the premiums are less than your annual costs for vision care, this plan is worth enrolling into.
Information Change for Dental / Vision
Provide SSN / ITIN
USFWC Vision and Dental Overview
Dental Insurance Benefit Summary
Download Dental Insurance Card
Vision Insurance Benefit Summary
Download Vision Insurance Card
We participate in the US Federation of Worker Cooperatives aggregated Dental & Vision Plan. Please contact Raul or the US Federation directly for more info: benefits@usworker.coop
Our Dental Insurance is fantastic! There is virtually no network because if you see an out of network provider, the dental plan will reimburse the out of network visit at in-network benefit copays / coinsurance! Only in very rare situations would that not be the case (VERY RARE).
Our Vision Insurance is a "no-brainer" if you use contacts / glasses consistently. If the premiums are less than your annual costs for vision care, this plan is worth enrolling into.
Life Insurance
All (full time) Opportunity Threads Employees receive $15,000 of life insurance automatically after 90 days of employment.
Payroll Deductions & Other Benefits
Payroll Deductions
Discounts & Perks
Discounts, Rewards, and Perks
Use CODE: LRFWUO
Use CODE: LRFWUO