PLAN FOR THE FUTURE
It’s never too early, or late, to plan for retirement, health care expenses, a bucket list vacation or your dream house. Your ONEOK benefits can help you save and invest your money wisely – for a bright, financially fit future.
Do This
Get expert advice
Get professional help to make smart financial decisions.
If you’re enrolled in the 401(k) Plan through Fidelity, you get unlimited access to financial planning and investing tools, including:
- A retirement planning calculator to help you create a savings strategy.
- A student debt calculator to manage your student loans.
- Hundreds of articles on how to pay off debt and budget your life.
- Live and on-demand webinars with financial experts.
- An easy-to-use app to manage your investments.
Regardless of your participation in the 401(k) Plan, SmartPath offers unbiased financial education and one-on-one coaching. Find actionable financial guidance, including:
- Live and on-demand personal finance classes covering more than 130 topics.
- One-on-one coaching with a dedicated financial professional.
- A personalized content dashboard with topics based on your age and life goals.
Save where you can
Use these ONEOK benefits to save money on eligible expenses.
Trim your tax bill with the HSA if you enroll in the High Deductible Health Plan (HDHP). The tax-advantaged HSA helps you save on eligible health care expenses now or keep the money into retirement — even if you leave ONEOK.
We offer three FSAs to help you budget for eligible health care and dependent care expenses. The money you set aside in your FSA is not subject to payroll taxes.
Find a low-cost alternative to routine health care at ONEOK Plaza or in Sidney, MT, or Watford City, ND. Get fast, high-quality treatment for allergies, cold and flu symptoms and more for as low as $0 a visit for the medical plan Preferred Provider Organization (PPO) or $50 a visit for the medical plan High Deductible Health Plan (HDHP).
Invest in your future
Prepare for tomorrow by getting more today from your ONEOK benefits.
If you’re an eligible employee, you’re automatically enrolled in the 401(k) Plan at a 6% pretax contribution rate approximately 30 days after your hire date. ONEOK matches 100% of your contributions, up to 6% of your eligible compensation and subject to IRS limits. You may receive a year-end true-up matching contribution if you vary or stop your contributions during the year. ONEOK makes quarterly profit-sharing contributions to your 401(k) Plan – 6% of your quarterly eligible compensation. ONEOK may also make an additional discretionary contribution each year based on company performance. Partner with a Fidelity advisor on an investment strategy, or keep your money in the Vanguard Target Retirement Trust default fund based on the year you turn 65.
Eligible employees receive a share of company stock every time the stock reaches a new high. That stock is yours to keep or sell when you’re ready — even if you leave ONEOK — at no cost to you other than the tax withholding made from your paycheck.
Acquire ONEOK common stock through payroll deductions at a 15% discount. You can save your shares for retirement or sell them when you need the money.
Benefits to Help
We have resources to guide you.