IN-NETWORKBENEFITS |
TRADITIONAL PPO PLAN |
HDHP PPO PLAN |
Deductible |
$5,000 Single $15,000 Family |
$6,500 Single $13,000 Family |
Coinsurance |
You pay 30% (after deductible) Plan pays 70% |
You pay 0% (after deductible) Plan pays 100% |
Out of Pocket Maximum |
$8,550 Single $17,100 Family |
$6,500 Single $13,000 Family |
Office Visit Copay |
$0 Doctor On Demand $40 PCP $80 Specialist $40 Urgent Care |
$0 Doctor On Demand
Deductible then 0% coinsurance |
Preventive Office Copay |
Covered at 100% |
Covered at 100% |
Emergency Room Copay |
$500 copay |
Deductible then 0% coinsurance |
Prescription DrugCost Per Tier |
Tier 1: $30 Tier 2: $65 Tier 3: $100 Tier 4: $240 Specialty Generic: $190 Specialty Preferred: $275
|
Tier 1: 0% coinsurance Tier 2: 0% coinsurance Tier 3: 0% coinsurance Tier 4: 0% coinsurance Specialty: 0% coinsurance |
J.E.ADAMS INDUSTRIES
ENROLL IN YOUR BENEFITS
WELCOME TO YOUR BENEFITS PORTAL
Explore this portal to understand your options, make confident choices, and enroll with ease. Ensure you and your family are covered for the year ahead.
HOW TO ENROLL
You can:
-
Enroll or re-enroll
-
Make changes to your benefits
-
Add or remove dependents
-
Enroll in flexible spending account(s)
NOTE: This site will be available to you on demand all year. Take some time to review this information and return to this benefits portal whenever you or your family members have questions or want to review your benefits.
QUALIFYING LIFE EVENTS (QLE)
This is a change in your situation - like getting married, having a baby, or losing health coverage - that may allow you to enroll in health insurance outside the yearly Open Enrollment Period.
PREVENTIVE CARE
This step can help prevent future health concerns and lower health insurance costs. Learn more about what's covered and what isn't.
ADDITIONAL COVERAGE
Coverage at your fingertips - Home, Auto, and More! Get agent recommendations based on your needs.
APPROACHING RETIREMENT?
Understanding how Medicare works—and how it compares to your current coverage—can help you make informed decisions.
UNLOCK BENEFITS CLARITY
Ever feel lost in the world of employee benefits? We know it can be confusing. Our Monthly Minute communications library and your company's Benefits Education video library provide clear, concise information to help you understand your valuable benefits package.
BENEFITS QUESTIONS?
OUR BENEFITS STAFF IS HERE TO HELP
We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.
If you have any questions, please contact your TRUEAdvocate Team!
A team member will respond within 24 hours.
Monday - Friday | 7:30 a.m. - 5:00 p.m., Central Time (CT)
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
WELCOME
WE'RE SO GLAD YOU'RE HERE!
WHAT YOU NEED TO KNOW
Enrollment in benefits can be one of the most important decisions you will make this year.
Take time to review your benefits information.
Attend benefit enrollment meetings.
Ask questions when you do not understand.
ELIGIBILITY
Most benefits are effective the first day of the month following 30 days after the date of hire for full-time employees working a minimum of 30 hours per week.
The enrollment deadline is the last day of the month before your effective date (unless noted).
Enrollment requests must be received by Human Resources within 30 calendar days following the date of the event.
DEPENDENT ELIGIBILITY
Your eligible dependents include:
-
Your legal spouse;
-
Married or Unmarried dependents who are:
-
Your natural, adopted, legal guardianship and/or stepchildren from birth until the end of the month in which they reach the age of 26, regardless of whether they are eligible for another group health plan as an employee.
CHANGES
Changes to your benefits enrollment can only be made:
-
At the time of hire
-
During the annual enrollment period
-
July 1 effective date
-
-
Due to a Qualifying Life Event
Qualifying Life Events (QLE) include:
-
Marriage
-
Divorce / Legal Separation
-
Birth of a child
-
Adoption of a child
-
Loss of other employer-sponsored coverage
-
New election of other employer-sponsored coverage
RESOURCES
The Plan Documents & Notices page contains benefit summaries (SBC), summary plan descriptions (SPD), brochures, forms, and applicable applications.
ENROLL IN YOUR BENEFITS
You have 30 DAYS from your date of hire to enroll in your new benefits.
EDUCATE
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
EVALUATE
Make your benefit decisions and ensure you have what you need to enroll...
Do you have your Dependents' birthdays and Social Security Numbers?
How about your Beneficiary(s)' address?
Having correct First and Last names on hand is also helpful.
BENEFITS QUESTIONS?
OUR BENEFITS STAFF IS HERE TO HELP
We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.
If you have any questions, please contact your TRUEAdvocate Team!
A team member will respond within 24 hours.
Monday - Friday | 7:30 a.m. - 5:00 p.m., Central Time (CT)
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
MEDICAL
2026 MEDICAL BENEFITS
Administered by Wellmark.
The medical insurance benefit that uses a network of providers, hospitals, and pharmacies to provide employees and their families access to quality healthcare and protection against the cost of illness or injury.
For full plan details, please review the plan documents.
MEDICAL PLANS COMPARISON
RATE(EMPLOYEE WEEKLY COST) |
TRADITIONAL PPO PLAN |
HDHP PLAN |
Employee |
$23.35 |
$23.35 |
Employee + Spouse |
$58.59 |
$58.59 |
Employee + Child(ren) |
$52.55 |
$52.55 |
Employee + Family |
$75.88 |
$75.88 |
For full plan details, please review the plan documents.
USE WHEN:
-
You don't have time to wait a week to see a doctor
-
You don't want to infect (or be infected by) another person
-
You need a lower-cost option.
GET TREATED FOR:
-
Cold and flu
-
Sore throats
-
Allergies
-
Fever
-
Bronchitis, sinus infections
-
Urinary tract infections
-
Pink eye
-
Skin condition
-
Headache
-
Other conditions such as mental health (if covered by your health plan)
HOW TO GET STARTED
HAVE YOUR ID CARD
Have your Wellmark Member ID card ready.
REGISTER OR SIGN IN
Create an account or sign in.
4 WAYS TO SAVE ON PRESCRIPTION DRUG COSTS
Many are feeling the strain of rising healthcare costs. Learn how to alleviate the burden of prescription medication costs and prioritize your health!
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
DENTAL
& VISION
2026 DENTAL & VISION BENEFITS
Administered by Delta Dental of IA and EyeMed.
As part of the comprehensive health insurance coverage, we offer Dental and Vision plans.
✨ If you have an HSA or FSA, you can use these funds to cover eligible expenses, such as your deductible or copay.
For full plan details, please review the plan documents.
DENTAL INSURANCE
IN-NETWORK SERVICES |
PPO DENTIST |
PREMIER / NON-PARTICIPATING |
Preventive Services |
Covered at 100% |
Covered at 100% |
Deductible |
$15 Individual/$45 Family |
$25 Individual/$75 Family |
Basic Services |
You pay 10% (after deductible) |
You pay 20% (after deductible) |
Major Services |
You pay 50% (after deductible) |
You pay 50% (after deductible) |
Annual Maximum |
$2,000 |
$2,000 |
Orthodontic
|
Covered at 50% to a lifetime maximum of $1,000 |
Covered at 50% to a lifetime maximum of $1,000 |
J E Adams pays 100% of the premium for you and your family.
COVERAGE LEVEL |
RATE PER MONTH |
Employee |
$29.80 |
Employee + Spouse |
$61.36 |
Employee + Child(ren) |
$76.10 |
Employee + Family |
$127.06 |
For full plan details, please review the plan documents.
VISION INSURANCE
IN-NETWORK SERVICES |
VISION BENEFIT |
Eye Exam
|
$20 copay |
Contact Lenses* **
(1x every plan year) |
$130 allowance Contact fitting & evaluation not to exceed $40 copay |
Eyeglasses |
|
Frames*
(1x every other plan year) |
$0 copay; 20% off balance over $130 allowance |
Lenses* **
(1x every plan year) |
Single Vision - $20 copay Bifocal - $20 copay Trifocal - $20 copay |
*Charges for lenses, frames, and contact lenses above the available benefit will be the responsibility of the participant.
**Plan allows only lenses or contacts within the calendar year not both.
J E Adams pays 100% of the premium for you and your family.
COVERAGE LEVEL |
RATE PER MONTHLY |
Employee |
$5.25 |
Employee + Spouse |
$9.98 |
Employee + Child(ren) |
$10.50 |
Employee + Family |
$15.44 |
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
HSA & FSA
2026 HSA & FSA BENEFITS
Health Savings Account (HSA) administered by Collins Community Credit Union.
Flexible Spending Accounts (FSA) administered by iSolved.
HSAs and FSAs help you save pre-tax dollars for healthcare or dependent care. Eligibility in each plan will be based on enrollment.
To learn more about the differences, watch the video, "HSA vs. FSA."
Go deeper and learn the different kinds of accounts and how they differ in eligibility, ownership, and how money can be used. Download the flyer, "HSA vs. FSA vs. DCFSA."
For full plan details, please review the plan documents.
HEALTH SAVINGS ACCOUNT (HSA)
An HSA can help you lower your taxes, cover some expenses your plan doesn't, and even help save for retirement.
HSA OVERVIEW |
|
|
To be eligible you must:
*Note: If your eligible dependent is covered under Medicare, you can continue contributing to the HSA |
• Be covered under a High Deductible Health Plan (HDHP) • Not be claimed as a dependent on someone else's tax return • Not maintain a full-purpose Healthcare FSA • Not be enrolled in Medicare* • Have not received VA benefits within the past three months • Not have a spouse with an full-purpose FSA plan through their employer |
|
Maximum contributions |
Single: $4,400 Family: $8,750 Catch-up: $1,000 (those 55+) |
|
Pre-tax contributions? |
Yes |
|
Availability of funds |
Funds must accumulate before using |
|
Use it or lose it? |
No, unused funds roll over from year to year |
|
Can you take it with you if you leave the company? |
Yes |
ELIGIBLE EXPENSESBeyond Your Plan Coverage |
|
|
More common examples |
|
|
Less common examples |
|
|
Download the full list from the Internal Revenue Service |
|
|
Also, try: |
|
For full plan details, please review the plan documents.
FLEXIBLE SPENDING ACCOUNTS (FSA)
An FSA can help you use pretax money to pay for certain out-of-pocket health expenses or dependent care expenses.
FSA OVERVIEW |
|
|
How do Flexible Spending Accounts compare? |
|
|
Healthcare FSA: |
A full-purpose FSA that's best for predictable medical, dental, or vision expenses. Allows you to pay for unreimbursed expenses with tax-free dollars. |
|
Limited Purpose FSA: |
Can be used for dental and vision only. Allows you to pay for unreimbursed expenses with tax-free dollars.
Must be enrolled in the HDHP Plan to be eligible. |
|
Dependent Care FSA: |
Covers child or dependent care needed, so you (and your spouse, if applicable) can work. Allows you to pay for expenses with tax-free dollars. |
|
Eligibility rules |
If you are enrolled in a High Deductible Health Plan (HDHP), you can only enroll in a Limited Purpose Flexible Spending Account. |
|
Maximum contributions |
Healthcare and Limited Purpose: $3,400
Dependent Care: $7,500 ($3,750, if filing Single) |
|
Pre-tax contributions? |
Yes |
Plan year |
Runs from July 1st - June 30th |
|
Availability of funds |
Healthcare and Limited Purpose: Available on day 1
Dependent Care: Funds must accumulate before using |
|
Use it or lose it? |
Yes, however, the Healthcare FSA allows you to roll over up to $680 of unused money into the next plan year. |
|
Can you take it with you if you leave the company? |
No |
ELIGIBLE EXPENSESBeyond Your Plan Coverage |
|
|
Common examples |
|
|
Download information on Health Care and Limited FSAs from the Internal Revenue Service |
|
|
Download information on Child and Dependent Care Expenses from the Internal Revenue Service |
|
|
Also, try: |
|
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
LIFE & SUPPLEMENTAL
2026 LIFE & SUPPLEMENTAL BENEFITS
Administered by Lincoln Financial.
We offer life, disability, and additional coverage plans to help you plan for your family's financial security.
For full plan details, please review the plan documents.
EMPLOYER PAID*LIFE AND AD&D** |
|
Life and Accidental Death & Dismemberment |
$20,000
|
* 100% of the cost of this benefit is covered by J.E.Adams.
** Subject to age reduction. 50% at age 70, 55% by age 75, 70% by age 80, and 80% by age 85.
EMPLOYEE-PAIDLIFE AND AD&D* |
BENEFITS |
GUARANTEE ISSUE** |
Employee |
Increments of $10,000 up to $500,000 or 5 times earnings |
$100,000 |
Spouse |
Increments of $5,000 up to $250,000 or 100% of employee. |
$25,000 |
Children |
Increments of $2,000 up to $10,000 or 100% of employee |
$10,000 |
* Subject to age reduction. 50% at age 70, 55% by age 75, 70% by age 80, and 80% by age 85.
** New Hire / Open Enrollment Guaranteed Issue is the amount you can elect before you are required to complete a health questionnaire, otherwise known as Evidence of Insurability (EOI). To complete your EOI form, click here.
For full plan details, please review the plan documents.
EMPLOYEE-PAIDBENEFITS* |
VOLUNTARY SHORT-TERM DISABILITY |
VOLUNTARY LONG-TERM DISABILITY |
Coverage amount |
60% of weekly income maximum of $750 |
60% of monthly income maximum of $5,000 |
Maximum payment period |
13 weeks |
Social Security Normal Retirement Age (SSNRA) |
Accident benefits begin |
Day 1 |
Day 90 |
Illness benefits begin |
Day 8 |
Day 90 |
* Disabilities that occur during the first 3 months of coverage, due to pre-existing condition during the 12 months prior to coverage, are excluded.
DESIGNATE YOUR BENEFICIARY(S)
Choosing beneficiaries is an act of love and foresight. It secures the stability of your loved ones and empowers the causes closest to your heart.
First, collect the information you will need, such as:
-
Full legal name
-
Date of birth
-
Relationship (if applicable)
-
Tax Identification Number (TIN)
-
Social Security Number (SSN)
-
Employer Identification Number (EIN)
-
-
Mailing address
-
Email address
-
Phone number
Contact HR to add or change your beneficiary(s).
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
EMPLOYEE ASSISTANCE PROGRAM
2026 EMPLOYEE ASSISTANCE PROGRAM (EAP)
Administered by Guidance Resources.
J.E.Adams is committed to the overall well-being of our employees and your covered dependents. Our Employee Assistance Program (EAP) includes 24/7 services.
For full plan details, please review the plan documents.
EMPLOYEE ASSISTANCE PROGRAM
Download the app!
Search “GuidanceNow”,
then login using the user ID and password.
EMPLOYEE ASSISTANCE PROGRAM (EAP) |
|
Who is eligible? |
The EAP is available to:
You are not required to be enrolled in a medical plan. |
Is it confidential? |
YES. You have confidential access to experienced clinicians and professional staff. |
When can I access? |
24 hours per day |
What is covered? |
The EAP can help with challenges like:
|
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
DOCUMENTS & NOTICES
PLAN DOCUMENTS & LEGAL NOTICES
Download the documents you need for each benefit plan you are enrolled in.
ANNUAL LEGAL NOTICES
MEDICAL DOCUMENTS
FLEXIBLE SPENDING ACCOUNT (FSA) DOCUMENTS
LIFE INSURANCE DOCUMENTS
EAP DOCUMENTS
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
NEED HELP?
CONTACT INFORMATION
Benefits contact information for when you need answers.
MEDICAL CARRIER
Carrier: Wellmark
Phone: 800-524-9242
Website: www.wellmark.com
DENTAL CARRIER
Carrier: Delta Dental
Phone: 800-544-0718
Website: www.deltadentalia.com
VISION CARRIER
Carrier: EyeMed
Phone: 866-939-3633
Website: www.eyemed.com
FSA CARRIER
Carrier: iSolved
Phone: 800-300-3838
Website: www.isolved.com
HSA CARRIER
LIFE INSURANCE CARRIER
Carrier: Lincoln Financial
Phone: 800-423-2765
Website: www.lfg.com
THIRD PARTY ADMINISTRATOR
Carrier: EBS
Phone: 800-373-1327
Website: www.ebs-tpa.com
DISABILITY CARRIER
Carrier: Lincoln Financial
Phone: 800-423-2765
Website: www.lfg.com
EAP CARRIER
Carrier: Guidance
Phone: 888-628-4824
Website: www.guidanceresources.com.
Username: LFGSupport
Password: LFGSupport1
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
BENEFITS EDUCATION
BENEFITS EDUCATION VIDEOS
Understand confusing benefits terms by browsing our extensive video library.
BENEFITS BASICS
PRESCRIPTION DRUGS & WISE CONSUMER OF HEALTHCARE
MEDICAL
DENTAL & VISION
HEALTH SAVINGS ACCOUNT (HSA)
FLEXIBLE SPENDING ACCOUNT (FSA)
LIFE & SUPPLEMENTAL
DISABILITY INSURANCE
EMPLOYEE ASSISTANCE & WELLNESS
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
ENROLL TODAY!
ENROLL IN YOUR BENEFITS
Enroll in your benefits or change your existing enrollment.
EDUCATE
Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.
EVALUATE
Make your benefit decisions and make sure you have what you need to enroll...
Do you have your Dependents' birthdays and Social Security Numbers?
How about your Beneficiary(s)' address?
Have you decided how much to contribute to your HSA or FSA?
Having correct First and Last names on hand is also helpful.
HAVE BENEFIT QUESTIONS?
Contact your
TRUEAdvocate Team
Monday - Friday
7:30 AM to 5:00 PM
Central Time (CT)
This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.
© 2026 TrueNorth Companies, L.C. All rights reserved.
