Great! You and any covered dependents, like your spouse, can sign up below and we’ll add you to our next communication.
Open Enrollment will be held October 2 – November 10, 2017. This is an active enrollment. You must make your selections and enroll during the enrollment window.
The elections you make during open enrollment take effect January 1, 2018.
We will hold open enrollment meetings in October. Spouses are encouraged to attend meetings if this option is permitted at your location. To find out when the sessions will be held in your location, click here.
You may also contact the JELD-WEN Benefit Advocate Center, Monday – Friday, 7:00 a.m. – 6:00 p.m. (CT) at 844-866-3007 or firstname.lastname@example.org.
You can contact the JELD-WEN Benefit Advocate Center Monday – Friday, 7:00 a.m. – 6:00 p.m. (CT) at 844-866-3007 or email@example.com.
Any active JELD-WEN associate working a regular schedule of at least 30 hours per week is eligible for benefits. You may also add your spouse, qualified domestic partner and children. Please refer to the Eligibility section on page 3 of the Benefits Guide for details and conditions for dependent eligibility.
The JELD-WEN consumer-directed medical plans have two parts, a consumer-directed health plan (HDHP) and a health reimbursement account (HRA). The plans are designed to put you in control of your health care dollars by providing you with funds in your HRA to spend when and if you need care while keeping paycheck deductions at a reasonable rate.
The consumer-directed model encourages everyone to make smart spending choices by encouraging you to stay on top of your health with free in-network wellness exams and free select preventive drugs (with engagement in Tria chronic condition program). And, when you need more care, you can make smart choices by using:
The consumer-directed health plans are designed to put you in control of your health care dollars. Here’s how it works:
As a reminder, only the care and prescriptions you receive from in-network providers will count towards your in-network deductible and out-of-pocket maximum. The deductible and out-of-pocket maximum for out-of-network care are two times more than the in-network amounts.
You will have access to the same BlueCross BlueShield network of provider and hospitals that you have today. If your providers are currently in-network, then you’re all set. If your providers are not in the network, you may want to consider researching other in-network provider options to maximize your health care dollars.
Need a new in-network doctor? Call the Benefit Advocate Center or visit regence.com before the end of 2017 and use the Find a Doctor feature to find a participating doctor near you. Beginning the end of December 2018, you can find network medical providers at www.bcbsnc.com
When you schedule your wellness exam, make sure to tell your doctor’s office staff to bill your visit as preventive.
With Teladoc, you can talk to a doctor anytime for just $30. Simply log onto Teladoc.com or call 800-835-2326. Teladoc doctors can help you with colds, allergies, bronchitis and many other non-emergency illnesses. They can even provide you with short-term refill on most prescriptions. This benefit is available to anyone enrolled in either of the two medical plans.
JELD-WEN contributes dollars into a separate account, known as a health reimbursement account (HRA), under your name. You will receive a debit card to present at the time of service, and the amount owed to your provider will be debited from your HRA.
Remember to check your HRA balance before using your debit card. You can check your HRA balance by logging into your account at healthequity.com or using the single-sign-on link on the benefits portal at www.jeld-wen.bswift.com.
Yes! JELD-WEN will contribute to your HRA. The funds are deposited into your account in January and the amount depends on the plan you choose and who you cover.
You can use your HRA dollars tax-free for IRS-qualified medical expenses like:
Remember, your HRA dollars can only be used on eligible expenses incurred by you and the dependents you cover under the JELD-WEN medical plan. Visit irs.gov for a complete list of the IRS-qualified expenses.
In December, you will receive a debit card from Health Equity, and JELD-WEN will apply funds to your account in January. When you visit the doctor or pharmacy, simply use your debit card to pay. If you use all the funds in your HRA, you will pay for services or prescriptions out of your pocket.
Remember to check your HRA balance before using your debit card. You can check your balance by logging into your account at healthequity.com or using the single-sign-on link on the benefits portal at www.jeld-wen.bswift.com.
If you already have a Health Equity debit card for a health flexible spending account (FSA), you will not receive a new debit card in December. Your HRA funds will be linked to this debit card to make accessing your accounts easy!
If you have a Health Savings Account (HSA) debit card, you will receive a new debit card for 2018 HRA funds in December. You can continue to access your HSA account with your existing HSA debit card.
Once you use all the money in your account, you will have to pay for services and prescriptions out of your pocket for the remainder of the calendar year.
The dollars in your HRA will roll over year-after-year up to the allowable limit. The roll over limit is equal to the in-network out-of-pocket maximum for the plan in which you are enrolled.
You are still eligible to make contributions to a health care flexible spending account in 2018. For more information see the health care flexible spending account section of this document.
Generic medications have a $10 copay before the deductible is met. When filling all other prescriptions, you will pay the full cost of the drug (at the OptumRx discounted rate), until you have met your deductible. Then, you will pay your portion of the coinsurance – 30% for brand name drugs on the formulary and 50% for drugs not on the formulary. The OptumRx formulary can be found at optumrx.com. You may use your HRA debit card to pay for your prescription or pay out of your pocket.
When you engage in Tria Health’s chronic condition management program, certain preventive medications you take on an ongoing basis are covered at 100% - no copay or deductible!. For a list of preventative drugs included as part of the engagement incentive, visit the JELD-WEN benefits portal at www.jeld-wen.bswift.com. The drug list is located in the Library
Yes. Generic drugs have a $10 copy. If you choose to purchase a preferred or non-preferred brand drug instead of a generic alternative, you will be responsible for the applicable coinsurance amount – 30% for brand name drugs on the formulary and 50% for drugs not on the formulary. So, generic drugs will cost less! The OptumRx formulary can be found at optumrx.com.
Pharmacies will generally give you a generic drug unless your doctor has asked for a specific brand-name drug. If your doctor has prescribed a brand-name drug (either preferred or non-preferred) when a generic is available, you will pay the difference in cost between the brand-name and generic drug. The best way to get a generic drug is to ask your doctor during your visit when the prescription is given.
To help you save money on prescription costs, ask your doctor if there is a generic alternative that would work for you. If a generic equivalent exists, but you are prescribed a brand-name drug (either preferred or non-preferred), for the applicable coinsurance amount – 30% for brand name drugs on the formulary and 50% for drugs not on the formulary.
The medical and prescription deductible and out-of-pocket maximum are now rolled into one in the consumer-directed health plans. You will no longer need to track your prescription deducible and out-of-pocket maximum separately.
If you are enrolled in the 2017 HSA Medical Plan, medical and pharmacy services are already included in one deductible amount. However, if you are enrolled in the 2017 PPO Medical Plan, the combined medical and pharmacy deductible will be a change for 2018.
The Tria Health chronic condition management program helps you manage your medications associated with chronic health conditions. You will have access to a team of pharmacists who will act as your personal medication experts to make sure your medications are safe, effective and affordable. Tria coaches work with you and your doctor to reduce the risk of medication-related problems and to help find lower cost medication options. For more information, visit triahealth.com, call 888-799-8742, or email them at firstname.lastname@example.org.
Tria Health monitors JELD-WEN’s medical and pharmacy activity. If you are taking a medication for a chronic condition, a Tria Health representative will contact you, either by phone or mail, to invite you to engage in the program.
Why wait? You can get engaged with Tria Health as early as December 1, 2017 by going calling Tria at 888-799-8742 or emailing email@example.com.
If you’re enrolled in a JELD-WEN medical plan, are at least 18 years of age, and you take medication for one or more chronic condition, you may be eligible. You can check eligibility for you and your dependents by calling Tria directly at 888-799-8742 or reaching out to the Benefit Advocate Center at 844-866-3007 or via email at firstname.lastname@example.org.
The Tria Health pharmacist will coordinate with your doctor as needed by telling them about Tria Health and giving information and recommendations about your case. It may also be helpful to take the preventative drug list with you so you and your doctor can discuss no-cost drug treatment options. As a reminder, you must engage with Tria in order to receive preventive drugs at no cost.
JELD-WEN will newly offer two dental plan options in 2018, the Base Plan and the Buy-Up Plan. The Base Plan has the same benefits as the 2017 dental plan while the Buy-Up plan includes additional services not included in the Base Plan. For more information on the dental plan options, see page 10 of the Benefits Guide.
The dental plans will newly be administered through Delta Dental for 2018. To find a provider visit https://www.deltadentalnc.com/jeld-wen. Regence BlueCross BlueShield of Oregon will no longer provide dental claims services after 2017 with the exception of services received in 2017 but billed in 2018. In this case, your dental providers should continue to send 2017 dates of service to Regence for processing and payment.
Yes. You will receive a new dental ID card from Delta Dental in late December. If you have enrolled in a dental plan option for 2018 and do not have your new Delta Dental ID card by January 2, 2018, please contact the Benefit Advocate Center at 844-866-3007 or email@example.com.
The JELD-WEN vision plan is administered by VSP. There are no changes to vision coverage for 2018. To find a VSP network provider visit VSP.com.
No. You will not receive an ID card from VSP. When you need care, simply tell your provider that you are covered under the VSP plan and they will verify your eligibility via VSP’s provider portal.
A Health Care FSA allows you to set aside some of your wages before taxes to pay for eligible health care expenses for you and your dependents. You can use your funds for eligible medical, prescription, dental and vision expenses. Visit healthequity.com for more details.
You can contribute up to $2,550 to your Health Care FSA annually. The annual contribution you select will be divided up over the 26 pay periods in 2018 to be deducted from each paycheck. Your contribution remains effective Jan. 1 – Dec 31 and changes can only be made with a qualifying life event.
A debit card is provided for you to access your Health Care FSA funds. If you are also enrolled in a 2018 medical plan, this debit card will be linked to your health reimbursement account (HRA). You can access your balance and more information by visiting healthequity.com.
If you have funds remaining in your Health Care FSA on December 31, you may roll over up to $500 of your unused balance to the following year, provided you enroll in the Health Care FSA for the following year. As you can submit expenses incurred in 2017 up until March 31, 2018, any unused funds will not roll in to your 2018 Health Care FSA until April 2018.
A Dependent Care FSA allows you to set aside some of your wages before taxes to pay for eligible childcare or elderly care expenses for your dependents. Visit healthequity.com for more details.
You can contribute up to $5,000 to your Dependent Care FSA annually. The annual contribution you select will be divided up over the 26 pay periods in 2018 to be deducted from each paycheck.. The amount remains effective Jan. 1 – Dec 31 and changes can only be made with a qualifying life event.
You can request a reimbursement from your account as funds become available by visiting healthequity.com.
Unused Dependent Care funds do not roll over from year to year. You will have until March 31 to submit expenses for reimbursement. Any funds remaining in the account after March 31 cannot be refunded per restrictions from the IRS.
Yes. JELD-WEN provides all full-time employees with $10,000 basic life insurance coverage. The company also provides basic life insurance for your spouse, qualified domestic partner and dependent children in the amount of $2,000 per covered person. There is no cost to you for basic life insurance.
Yes. You may elect supplemental life and AD&D coverage in $10,000 increments up to $300,000. Supplemental life and AD&D coverage for your spouse or domestic partner is available in increments of $10,000 to up $150,000. Spouse or domestic partner coverage cannot exceed 50% of the employee coverage.
AD&D insurance can be purchased in $10,000 increments up to a max of $800,000 or 10x your annual salary, whichever is less. A spouse or domestic partner can have coverage up to 50% of the associate amount. There are no evidence of insurability (EOI) requirements for AD&D.
You can also purchase $5,000 or $10,000 in supplemental life insurance or AD&D coverage for your dependent children up to age 26.
During open enrollment, associates can increase their life insurance election by $10,000 up to the $120,000 guaranteed issue (GI) limit without having to undergo the evidence of insurability (EOI) process with Reliance Standard. Any new elections that total greater than $120,000 will require EOI. Any spouse or domestic partner life insurance election increases will require EOI.
If you are a new hire enrolling for the first time during open enrollment, you can elect up to $120,000 in coverage for yourself and up to $20,000 for your spouse or domestic partner without having to undergo the EOI process. Elections greater than these GI amounts will require EOI.
Yes. All regular, full-time associates are provided short-term disability benefits. There is no associate cost for this benefit.
Yes. All regular, full-time associates are eligible to purchase LTD coverage. LTD begins after the STD ends and offers a monthly benefit equal to 60% of your annual base earnings, up to $7,5000 per month. For additional information and rates for LTD, please see page 12 of the Benefits Guide.
Critical illness coverage pays a lump sum benefit directly to you upon the diagnosis of a covered critical illness such as invasive cancer, heart attack, stroke, renal failure and organ transplant. For more information see page 13 of the Benefits Guide.
Accident coverage pays benefits based on injuries sustained and treatment received as a result of having a covered accident. Most common sports and activities are covered. For more information see page 13 of the Benefits Guide.
Yes, the EAP is available to all full-time associates on the first day of employment through Health Management Systems of America (HMSA_. If you or your dependents are experiencing personal or work-related difficulties and would like help resolving them, you can access the resources at www.my-life-resource.com or 800-767-5320 for assistance. There is no cost to you and you will receive assessment, referrals and up to five face-to-face visits with an EAP counselor in your community. A wealth of unlimited online resources are also available. User username: hmsa and password: myresource to access web resources at www.my-life-resource.com.
Yes. If you would like help with quitting smoking, JELD-WEN offers free access to the Alere Quit for Life program to anyone enrolled in a medical plan option. For more information visit quitnow.net or call 866-784-8454.
There are several changes to the medical plans coming.
You will continue to have access to many of the features you have today.
All benefit eligible JELD-WEN employees and their dependents will be affected by the changes. Any former employees covered under COBRA will also be affected by the change.
The change to the new consumer-directed health plans will begin January 1, 2018.
JELD-WEN is committed to providing quality health care coverage to associates at a reasonable cost. Like most companies today, our health care costs have continued to go up year after year at an unsustainable rate. We have taken many cost-lowering measures such as reducing administrative expenses and negotiating with vendors. So, the time has come for a more significant change.
The JELD-WEN Benefit Advocate Center is just a call or click away.
7:00 a.m. - 6:00 p.m. (CT)
This website highlights important features of JELD-WEN’s benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determine by the legal plan documents and the contracts that govern these plans. Benefit plans may be changed for any reason, to the extent allowed by law.