Your U.S. 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.

Who Is Eligible?
Full-time and part-time U.S. employees working at least 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 insurance benefits.
  • Spouse: a person to whom you are legally married
  • Child(ren): Your biological, adopted, or legal dependents up to age 26 regardless of student, financial, and marital status
Please enter your dependent’s date of birth and Social Security number when enrolling in ADP.

Your U.S. Benefits
Below is an overview of the benefits offered to eligible U.S. employees.

  • Werfen’s U.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 U.S. Benefits Guide for more details or reach out directly to our providers.

You can also contact the Werfen Benefits Team at Benefits.na@werfen.com.

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)
Additional BCBSMA Information
Anthem Blue Cross Click here to search for an in-network Anthem provider (select “HMO”).

Health Advocate
Employees and dependents enrolled in any of the above Werfen medical plans have no cost access to Health Advocate. This exclusive benefit can help you navigate your care options, save on out-of-pocket costs, and enhance your physical and mental well-being.

Have a question? 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!

Health Advocate - Your Healthcare Navigator

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.
Keep your eyesight healthy and save on vision care.

Our plan's extensive network of specialists makes it easy to keep up with annual eye exams and save on prescription glasses and contacts.

EyeMed - Vision Benefit Summary
EyeMed - Member Account

Click here to search for an in-network EyeMed provider.
Keep your smile healthy and bright.

Our Core and Enhanced plans include two free annual cleanings. Children’s dental work (expect orthodontics) will be fully covered under the Right Start for Kids program and the Rollover Max benefit lets you carry over unused benefit dollars to the next plan year.

Delta Dental - Dental Plan Summary
Delta Dental - Transition of Care
Delta Dental - Member Account

Click here to search for an in-network dental provider.

A Health Savings Account (HSA) lets you save pre-tax dollars to cover eligible out-of-pocket costs (copays, deductibles, coinsurance, medical/dental/vision services and supplies).

Enrolled in the HDHP – High or HDHP – Low medical plan?
Open an HSA at any time, set up pre-tax deductions and make changes at any time.

Use your HSA funds immediately or save and invest for future health care expenses.

Werfen will also make a Company-paid HSA contribution per paycheck based on your elected medical coverage level as follows:

  • Employee Only: $500 per year
  • Employee + Family: $1,000 per year

HSA funds do not expire and yours to keep if you leave, resign, or retire.

2026 HSA Contribution Limits*
  • Employee Only: $4,400
  • Employee + Family: $8,750
  • If you're age 55+, you may contribute an additional $1,000.

* The annual limits include Company-paid HSA contributions.

Health Equity - Health Savings Account (HSA)
Health Equity - Easily Manage Your HSA
Health Equity - Qualifying HSA Expenses Search Tool
Health Equity - How to Invest & Grow Your HSA
Health Equity - HSA vs FSA

A Flexible Spending Account (FSA) lets you save pre-tax dollars to cover eligible out-of-pocket health care and dependent care costs.

FSAs must be re-elected each plan year based on your medical election.

  • Enrolled in the PPO or HMO medical plan?
    A Health Care FSA helps pay for eligible medical, dental, and/or vision expenses.
    • In 2026, the maximum contribution limit is $3,400.

  • Enrolled in the HDHP-Low or HDHP-High plan medical plan?
    A Limited Purpose FSA can be used in combination with a Health Savings Account (HSA) to pay for eligible dental and/or vision expenses only.
    • In 2026, the maximum contribution is $3,400.

NOTE: Werfen will automatically deducts your total elected Health Care or Limited Purpose FSA amount in equal pre-tax amounts each paycheck through the plan year.

Do you care for a child under age 13, incapacitated dependents of any age, or an elderly relative?

Regardless of which Werfen medical plan you are enrolled in, you are eligible to contribute pre-tax dollars per paycheck to a Dependent Care FSA to pay for services like childcare, before/after school programs, day camps, and eldercare.
  • In 2026, the maximum contribution limit is $5,000, or $2,500 if you are married and file taxes separately from your spouse.

Use it or Lose it - 2026 to 2027 FSA Rollover Limits
Remaining funds over $680 in your Health Care or Limited Purpose FSA and/or the full amount of remaining funds in your Dependent Care FSA at the end of the plan year will be forfeited.

Claims (with receipts) for eligible FSA expenses incurred during the plan year can be submitted up to 90 days after the year ends on December 31.

Health Equity - Qualifying FSA Expenses Search Tool
Health Equity - Limited Purpose FSA
Health Equity - Dependent Care FSA
Health Equity - HSA vs FSA

Protect your income and peace of mind if illness or injury keeps you from working.

Premiums for basic Short-Term Disability coverage are 100% Company-paid.

For an additional level of protection, you can purchase a Short-Term Disability Buy-Up policy and/or a Long-Term Disability coverage.

Prudential - Short-Term and Long-Term Disability SBC (see page 3)
Prudential - Disability Insurance Estimator Tool

Werfen provides 100% Company-paid Basic Life and AD&D insurance to all U.S. employees.

You can also purchase a Supplemental Life policy 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 - Life Insurance Estimator Tool
Prudential - Designating a Beneficiary

Consider these voluntary benefits for extra financial protection:

Supplementary Insurance
  • 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 covers eligible expenses incurred from hospital stays and long-term medical treatment which may not be fully covered by your medical plan.
Prudential - Voluntary Insurance Summary (AI, CI, HI)
Prudential - Accident Insurance SBC & Rates
Prudential - Critical Illness Insurance SBC & Rates
Prudential - Hospital Indemnity Insurance SBC & Rates
Prudential - $50 Health Screening Benefit

Legal Assistance Plan
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
MetLife - Prepaid Legal Plan Benefit FAQs
MetLife - MyBenefits Member Registration

Identity Protection Plan
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
MetLife - MyBenefits Member Registration

Pet Insurance
Explore two different coverage options with Pet Insurance benefits through FIGO and MetLife to provide your furry friends with the protection and care they deserve.

Figo - Pet Insurance
MetLife - Pet Insurance
MetLife - Pet Insurance FAQs
MetLife - MyBenefits Member Registration

Personal Home & Auto Discount
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
Farmers - Get a quote!

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.

2026 401(k) Contribution Limits
  • You can contribute up to $24,500 annually.
  • If you are age 50 to 60, you can contribute an additional $7,500.
  • If you are age 60 to 63, you can contribute an additional $2,500.
  • If you wish to save more, you can make an after-tax contribution.

Keep in mind, you are always 100% vested in your contributions. You will vest in the company match based on your years of services at Werfen.

Be sure to designate a beneficiary in your T.Rowe Price account.

T.Rowe Price - Werfen 401(k) Member Portal
T.Rowe Price - Werfen 401(k) Retirement Plan
T.Rowe Price - Werfen 401(k) SPD
T.Rowe Price - 2026 Retirement Plan Limits
T.Rowe Price - Roth In-Plan Conversion Guide

All U.S. employees and household family members have access to confidential 24/7 EAP support services through Magellan at no extra cost.
  • Live assistance to help manage everyday personal and work-related matters such as mind-body wellness, life changes, parenting, continuing education, special needs support, and more.
  • You and your household members are each eligible for up to 3 pre-paid virtual short-term counseling sessions (per issue per year) through BetterHelp. Conveniently connect with a licensed counselor via text, real-time chat, phone, and/or live video.*
  • Help your child build lifelong skills for coping with anxiety and advocating for their own well-being using self-guided digital cognitive behavior tools: ThinkHero (ages 6 – 12) and ThinkWarrior (ages 13 – 17).
  • Get local referrals for verified childcare, elder care and pet care providers.
  • Meet with licensed financial and legal professionals for expert guidance.
  • Access exclusive discounts on brand-name products/services, hotels, amusement parks, fitness centers, movie tickets, and more.
* Confidential virtual counseling is available to members age 18+ as well as teens (age 13 - 18, subject to parental consent and clinical appropriateness). Counselors cannot diagnose specific conditions or prescribe medication.

Magellan EAP – Member Portal (employer code: Werfen )
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?
Werfen’s U.S. benefits plan year starts on January 1st and ends on December 31st.

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
Does your mid-year life event qualify?

Keep in Mind
Benefit 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.

Discover your benefits.

How HDHPs + HSAs Work Together

Wellness with Werfen

Importance of Beneficiaries