Your Benefits
One of the key components of your total rewards at Werfen is our comprehensive benefits package, designed to support your physical, emotional, and financial well-being year-round.
In addition to enrolling yourself, you may also enroll your eligible dependents for medical, vision, dental, and/or supplemental life insurance benefits.
Please refer to your 2026 Benefits Guide for more details, reach out directly to our providers, or contact the Werfen Benefits Team at Benefits.na@werfen.com.
Who Is Eligible?
Full-time and part-time U.S. employees who work a minimum of 20 hours per week are eligible for benefits.In addition to enrolling yourself, you may also enroll your eligible dependents for medical, vision, dental, and/or supplemental life insurance benefits.
Your Benefits
Below is an overview of the benefits offered to eligible U.S. employees.- Werfen’s benefits plan year starts on January 1st and ends on December 31st.
- For new hires, most benefits will become effective on your date of hire.
- Benefit elections cannot be changed until the next Open Enrollment period unless a qualifying life event impacts your eligibility mid-year.
Please refer to your 2026 Benefits Guide for more details, reach out directly to our providers, or contact the Werfen Benefits Team at Benefits.na@werfen.com.
Medical & Prescription Drug
Stay healthy with our medical, prescription, and wellness programs.
Our medical plans offer a wide network of health care providers (in-network saves you the most money), 100% covered preventive care (routine checkups, screenings, vaccinations), and wellness tools to help you live a healthy lifestyle.
Every plan includes 24/7 virtual care services. You can consult with a licensed doctor anytime, anywhere, for non-emergent minor medical or ongoing behavioral health issues.
Blue Cross Blue Shield (MA)
Anthem Blue Cross
Health Advocate
Employees enrolled in a Werfen medical plan (and their family members) have no cost access to Health Advocate, an exclusive benefit that helps you navigate your medical plan and find ways to save on out-of-pocket costs.
Health Advocate offers 24/7 assistance in multiple languages to help you find the right doctor, schedule appointments, locate medical records, resolve claims and billing issues, assist with transfer of care, and more!
Medical Waiver Benefit
Werfen offers a medical waiver benefit if you are covered under another employer sponsored group health plan and do not enroll in medical. It will be equal payments over the course of the year, totaling $1,000 annually.
Our medical plans offer a wide network of health care providers (in-network saves you the most money), 100% covered preventive care (routine checkups, screenings, vaccinations), and wellness tools to help you live a healthy lifestyle.
Every plan includes 24/7 virtual care services. You can consult with a licensed doctor anytime, anywhere, for non-emergent minor medical or ongoing behavioral health issues.
Blue Cross Blue Shield (MA)
- HDHP – High Plan with HSA ($3,000/$5,000)
- HDHP – Low Plan with HSA ($2,000/$4,000)
- Core PPO Plan with FSA ($750/$1,500)
- Enhanced PPO Plan with FSA (current enrollees only)
Anthem Blue Cross
- HMO Plan (California) with FSA ($250/$500)
Health Advocate
Employees enrolled in a Werfen medical plan (and their family members) have no cost access to Health Advocate, an exclusive benefit that helps you navigate your medical plan and find ways to save on out-of-pocket costs.
Health Advocate offers 24/7 assistance in multiple languages to help you find the right doctor, schedule appointments, locate medical records, resolve claims and billing issues, assist with transfer of care, and more!
Medical Waiver Benefit
Werfen offers a medical waiver benefit if you are covered under another employer sponsored group health plan and do not enroll in medical. It will be equal payments over the course of the year, totaling $1,000 annually.
Vision
Keep your eyesight healthy and save on vision care. Our plan's wide network of eye specialists makes it easy to get affordable eye exams, eyeglasses, and contacts.
EyeMed - Vision Benefit Summary
Click here to search for an in-network vision provider.
EyeMed - Vision Benefit Summary
Click here to search for an in-network vision provider.
Dental
Keep your smile healthy and bright. Two annual cleanings are included in both our dental plan options, and Delta Dental’s Right Start 4 Kids program offers full coverage of dental care for children (except for orthodontics).
Delta Dental - Dental Plan Summary
Delta Dental - Transition of Care
Click here to search for an in-network dental provider.
Delta Dental - Dental Plan Summary
Delta Dental - Transition of Care
Click here to search for an in-network dental provider.
Health Savings Account (HSA)
Enrolled in the HDHP – High or HDHP – Low medical plan?
A Health Savings Account (HSA) allows you to set aside pre-tax dollars to help offset your plan’s deductible and help pay for eligible out-of-pocket medical, prescription, vision, and/or dental expenses.
Werfen will also make a Company-paid HSA contribution per paycheck based on your medical coverage level as follows:
Keep in mind, your HSA funds can also be saved and invested for future health care costs. Your account is owned by you, which means you take it with you if you leave, resign, or retire from the company.
For 2026, the IRS has increased the annual maximum HSA contribution limit to:
Note, these annual limits include Company-paid HSA contributions.
Health Equity - Health Savings Account (HSA)
Health Equity - Easily Manage Your HSA
Health Equity - How to Invest & Grow Your HSA
Health Equity - HSA vs FSA
A Health Savings Account (HSA) allows you to set aside pre-tax dollars to help offset your plan’s deductible and help pay for eligible out-of-pocket medical, prescription, vision, and/or dental expenses.
Werfen will also make a Company-paid HSA contribution per paycheck based on your medical coverage level as follows:
- Employee Only: $500 per year
- Employee + Family: $1,000 per year
Keep in mind, your HSA funds can also be saved and invested for future health care costs. Your account is owned by you, which means you take it with you if you leave, resign, or retire from the company.
For 2026, the IRS has increased the annual maximum HSA contribution limit to:
- Employee Only: $4,400
- Employee + Family: $8,750
- If you're age 55+, you may contribute an additional $1,000.
Note, these annual limits include Company-paid HSA contributions.
Health Equity - Health Savings Account (HSA)
Health Equity - Easily Manage Your HSA
Health Equity - How to Invest & Grow Your HSA
Health Equity - HSA vs FSA
Flexible Spending Account (FSA)
A Flexible Spending Account (FSA) lets you set aside pre-tax dollars to save on eligible health care and dependent care expenses. You must re-elect the FSA each plan year to participate.
FSA Rollover 2026 to 2027
Any remaining funds over $680 in a Health Care or Limited Purpose FSA and any amount left in your Dependent Care FSA at the end of the plan year will be forfeited. You will have 90 days after the end of the plan year to submit claims incurred during that plan year.
Health Equity - Limited Purpose FSA
Health Equity - Dependent Care FSA
Health Equity - HSA vs FSA
- Enrolled in the PPO or HMO medical plan?
A Health Care FSA allows you to set aside pre-tax dollars to pay for eligible medical, dental, and/or vision expenses. In 2026, you may elect to contribute up to $3,400 annually (deducted on a pre-tax basis per pay period).
- Enrolled in the HDHP-Low or HDHP-High plan medical plan?
A Limited Purpose Health Care FSA can be used in combination with a Health Savings Account (HSA) to help pay for eligible dental and/or vision expenses. In 2026, you may elect to contribute up to $3,400 annually (deducted on a pre-tax basis per pay period).
- Have qualified dependent care expenses?
Regardless of which Werfen medical plan you are enrolled in, a Dependent Care FSA will allow you to set aside pre-tax dollars to pay for child and/or adult care services (e.g., after school programs, babysitting, childcare, elder care). In 2026, you may elect to contribute up to $5,000 annually, or $2,500 if you are married and file taxes separately from your spouse (deducted on a pre-tax basis).
FSA Rollover 2026 to 2027
Any remaining funds over $680 in a Health Care or Limited Purpose FSA and any amount left in your Dependent Care FSA at the end of the plan year will be forfeited. You will have 90 days after the end of the plan year to submit claims incurred during that plan year.
Health Equity - Limited Purpose FSA
Health Equity - Dependent Care FSA
Health Equity - HSA vs FSA
Disability
Protect your income and peace of mind if illness or injury keeps you from working.
Werfen provides 100% Company-paid Short-Term Disability (STD) coverage to all U.S. employees. You also have the option to purchase Short-Term Disability (STD) Buy-Up coverage and/or Long-Term Disability (LTD) coverage for additional financial protection
Prudential - Long-Term Disability (LTD) Summary
Prudential - Short-Term and Long-Term Disability SBC (see page 3)
Werfen provides 100% Company-paid Short-Term Disability (STD) coverage to all U.S. employees. You also have the option to purchase Short-Term Disability (STD) Buy-Up coverage and/or Long-Term Disability (LTD) coverage for additional financial protection
Prudential - Long-Term Disability (LTD) Summary
Prudential - Short-Term and Long-Term Disability SBC (see page 3)
Life and AD&D Insurance
Werfen provides 100% Company-paid Basic Life and AD&D insurance to all U.S. employees. You also have the option to purchase Supplemental Life insurance for yourself, legal spouse, and/or child(ren). Be sure to designate a beneficiary when you enroll.
Prudential - Life and AD&D Insurance Summary
Prudential - Life and AD&D Insurance SBC (see pages 1 - 2)
Prudential - Supplemental Life Insurance Rates
Prudential - Designating a Beneficiary
Prudential - Life and AD&D Insurance Summary
Prudential - Life and AD&D Insurance SBC (see pages 1 - 2)
Prudential - Supplemental Life Insurance Rates
Prudential - Designating a Beneficiary
Voluntary Benefits
Consider these voluntary insurance benefits for extra financial protection:
Prudential - Accident Insurance SBC and Rates
Prudential - Critical Illness Insurance SBC and Rates
Prudential - Hospital Indemnity Insurance SBC and Rates
Prudential - $50 Voluntary Insurance Health Screening Benefit
Additional Benefits
U.S. employees can enroll in the Prepaid Legal Assistance benefit through Metlife and Aura which offers year-round unlimited access to experienced attorneys to handle basic legal, family, and home matters
MetLife - Prepaid Legal Plan Benefit
Safeguard your personal information and financial security with Identity Protection benefits through Metlife and Aura.
MetLife & Aura - Identity & Fraud Protection Benefit
MetLife & Aura - Member Overview & Video Demos
Explore two different coverage options with Pet Insurance benefits through MetLife and FIGO to provide your furry friends with the protection and care they deserve.
MetLife - Pet Insurance (Available 1/1/26)
Figo - Pet Insurance (Available 1/1/26)
Take advantage of exclusive employee rates for personal auto and home insurance policies through Farmers including homeowners, renters, condos, mobile homes, auto, motorcycle, and boat policies.
Farmers - Home & Auto Insurance (Available 1/1/26)
- Accident Insurance will cover unexpected out-of-pocket costs from injuries sustained in a covered accident.
- Critical Illness Insurance pays a cash benefit to help you manage everyday expenses during a serious health diagnosis.
- Hospital Indemnity Insurance protects your finances by covering eligible expenses from hospital stays and long-term medical treatment that your health insurance may not fully pay.
Prudential - Accident Insurance SBC and Rates
Prudential - Critical Illness Insurance SBC and Rates
Prudential - Hospital Indemnity Insurance SBC and Rates
Prudential - $50 Voluntary Insurance Health Screening Benefit
Additional Benefits
U.S. employees can enroll in the Prepaid Legal Assistance benefit through Metlife and Aura which offers year-round unlimited access to experienced attorneys to handle basic legal, family, and home matters
MetLife - Prepaid Legal Plan Benefit
Safeguard your personal information and financial security with Identity Protection benefits through Metlife and Aura.
MetLife & Aura - Identity & Fraud Protection Benefit
MetLife & Aura - Member Overview & Video Demos
Explore two different coverage options with Pet Insurance benefits through MetLife and FIGO to provide your furry friends with the protection and care they deserve.
MetLife - Pet Insurance (Available 1/1/26)
Figo - Pet Insurance (Available 1/1/26)
Take advantage of exclusive employee rates for personal auto and home insurance policies through Farmers including homeowners, renters, condos, mobile homes, auto, motorcycle, and boat policies.
Farmers - Home & Auto Insurance (Available 1/1/26)
401(k) with Employer Match
Enroll in Werfen’s 401(k) Retirement Savings Plan to build future financial security.
Take full advantage of the Company-paid 401(k) match - it’s essentially free money! Werfen will match your pre-tax contributions dollar for dollar up to the first 8% of your eligible pay.
You are always 100% vested in your contributions. You will vest in the company match based on your years of services.
Be sure to designate a beneficiary in your T.Rowe Price account.
T.Rowe Price - Werfen 401(k) Member Portal
Take full advantage of the Company-paid 401(k) match - it’s essentially free money! Werfen will match your pre-tax contributions dollar for dollar up to the first 8% of your eligible pay.
You are always 100% vested in your contributions. You will vest in the company match based on your years of services.
Be sure to designate a beneficiary in your T.Rowe Price account.
T.Rowe Price - Werfen 401(k) Member Portal
Employee Assistance Program (EAP)
Our EAP provides confidential 24/7/365 assistance for you and your household family members in times of difficulty, whether personal or professional at no cost.
Access valuable tools and resources at any time for everyday matters such as parenting, substance abuse, child or elder care, financial and legal matters, and more. Personalized 1-on-1 counseling sessions with licensed mental health specialists are also available at no cost.
Magellan EAP – Member Portal
Magellan EAP - Benefit Summary
Magellan EAP - Work-Life Support Services
Magellan EAP - Virtual Counseling Sessions
Magellan EAP - Personalized Wellness Coaching
Magellan EAP - Neuroflow Mental Health App
Magellan EAP - Financial Wellness Tools
Magellan EAP - ID Theft Resolution
Magellan EAP - Legal Consultation
Magellan EAP - Perks & Discounts Center
Access valuable tools and resources at any time for everyday matters such as parenting, substance abuse, child or elder care, financial and legal matters, and more. Personalized 1-on-1 counseling sessions with licensed mental health specialists are also available at no cost.
Magellan EAP – Member Portal
Magellan EAP - Benefit Summary
Magellan EAP - Work-Life Support Services
Magellan EAP - Virtual Counseling Sessions
Magellan EAP - Personalized Wellness Coaching
Magellan EAP - Neuroflow Mental Health App
Magellan EAP - Financial Wellness Tools
Magellan EAP - ID Theft Resolution
Magellan EAP - Legal Consultation
Magellan EAP - Perks & Discounts Center
What is a Qualifying Life Event?
Benefit elections cannot be changed until the next U.S. Open Enrollment period unless a qualifying life event impacts your eligibility mid-year, and the change is permitted under the plan terms.
Eligible qualifying life events include:
- Marriage or divorce
- Change in employment, or employment status for you, your spouse, or your dependent child
- Birth, adoption, or death
- Change in coverage under another employer plan, such as a change made during your spouse’s employer Open Enrollment
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Keep in MindBenefit changes must be consistent with your qualifying life event. Changes must be submitted through ADP within 30 days of the event.Documentation supporting the change will be required (i.e., marriage certificates, federal tax returns, birth certificates, adoption certificates, court order/QMCSO, etc.) Click here if you need help recovering your ADP account password. |