Welcome

Helping you and your family reach and maintain good health is very important to Dubow Textile. Dubow is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.


Eligibility

Regular employees working at least 30 hours per week are eligible to participate in benefits offered by Dubow. When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.

Overview

Dubow is committed to providing a competitive, cost-effective benefit program. Below are highlights of the 2022 benefits.


Please review your 2022 Benefit Guide for information on all of your benefits.

2022 Benefit Guide - Salaried Employees

2022 Benefit Guide - Salaried Employees

2022 Benefit Guide - Hourly Employees

2022 Benefit Guide - Hourly Employees

Enrollment

How to Enroll in Benefits

Dubow’s enrollment is online with eBenefits Edge. Once you have read this benefit guide use the following instructions to enroll in Dubow’s benefits. If you have any questions please contact Human Resources.


  1. Gather information: Full name, date of birth and Social Security Number for yourself and any dependents over age one. And if your dependent's address is different from yours, you'll need that as well.
  2. Go to the eBenefits Edge Portal using the link below
  3. Enter your username and password. Or, if you're a first-time user, select Register to set up your username, password and security questions. Use benefits as the company key.
  4. Use the Reference Center to get information to make an informed decision. 
  5. Follow the prompts to begin your enrollment and continue through the selection process. 
  6. Confirm your choices. 

Medical

HealthPartners

HealthPartners will administer your medical and prescription drug benefits this year. The medical plan includes a prescription drug benefit, which covers prescriptions at participating pharmacies and mail-order maintenance drugs. With the $3,500 Open Access Plan you are responsible for paying first dollar coverage up to the annual deductible for all services except preventive care, which will be paid at 100% and are not subject to the deductible. After the deductible has been met, the plan pays all in-network services at 100%.


To find out if your provider is in-network, view claims, see benefits and coverage details, get support with your health goals and print member ID cards, please visit the HealthPartners Member portal website below. Have your member ID card available and sign up to get started.

$3,500-100% Open Access SBC

$3,500-100% Open Access SBC

Doctor On Demand

Doctor On Demand

Virtuwell

Virtuwell

Wellness Programs

HealthPartners

Omada:

  • Weight Loss & Overall Health Program
  • Diabetes Program


CareLine

  • One phone call will link you to a registered nurse available 24 hours a day, 7 days a week.
  • Call 612-339-3663 or 800-551-0859


HealthPartners Nurse Navigator Program

  • When you need help navigating complex health and insurance issues.
  • Call 952-883-5000 or 800-883-2177


Behavioral Health Navigators

  • Behavior Health Navigators are staffed with professionals who can help answer questions and guide you through your behavioral health network, benefits and services.
  • Call 952-883-5811 or 888-638-8787


Wellbeats

  • On-demand fitness platform with 450+ workouts for all ages, abilities and interests.
  • Sign in to your HealthPartners online account and select the Living Well tab.


Healthy Discounts Program

  • Receive Healthy Discounts on exercise equipment, classes, snowboard and ski equipment, spa, pet insurance, wellness services and much more.
  • Simply give your HealthPartners member ID card to participating retailers.

HSA

American Heritage Bank

The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.


  • You may contribute up to $3,650 annually as an individual or $7,300 as a family
  • If you are age 55 or older, you can make additional pre-tax catch-up contributions of up to $1,000 per year
  • You must be enrolled in a qualified HSA-eligible health plan, but you or your spouse may not participate in an FSA or Health Reimbursement Account (HRA)


How the HSA Plan Works

You may use your HSA funds to pay for eligible medical, prescription drug, dental or vision expenses. Unused funds remain in your account for future use and roll over each calendar year. You can change your HSA contribution at any time during the plan year for any reason.


Dubow Textile Contributions

  • Employee Only - $600 annually
  • Employee + Spouse - $900 annually
  • Employee + Child(ren) - $900 annually
  • Family - $1,200 annuallly

Dental

Principal

Dubow's dental plan provides comprehensive coverage to help you and your family maintain good dental health. For providers in Minnesota, the Dubow plan uses the Premier Dental Network and for across the country employees can utilize the Principal Plan Dental Network.


Find a Dentist

  1. Visit the Principal website link below.
  2. Enter your ZIP code. Click Continue.
  3. Select the desired specialty or use the No Specialty Preference default.
  4. Enter the name of the provider you are looking for (if known).
  5. Click See Results.
Dental Benefit Summary

Dental Benefit Summary

Vision

Principal

Dubow offers employees the opportunity to buy vision insurance through Principal utilizing the VSP Preferred Provider network.


Find a Provider

  1. Visit the link below.
  2. Begin your search by entering your address, you can also search for an office or a doctor to find out if they are in your network.
  3. Select a location near you and schedule an appointment.
Vision Benefit Summary

Vision Benefit Summary

Life & Disability

Principal

Basic Life/AD&D

Eligible full-time employees are eligible for $25,000 of group life and accidental death and dismemberment (AD&D) coverage. Benefits reduce by 25% at age 65 and to 50% at age 70.


Voluntary Life/AD&D

A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.


Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.


Short Term Disability

Dubow provides you with a short term disability income benefit and pays the full cost of this coverage. Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. short term disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills. Your coverage through Principal pays 60% of your income to a maximum of $1,500 per week.


Long Term Disability

Employees have the option to purchase a long term disability benefit. Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long term disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household. Benefits begin after a 90 day elimination period are are equal to 60% of covered monthly earnings up to $6,000 for full-time employees.


Please consult your Employee Benefits Guide and review the plan SBCs for additional details.

Basic Life/AD&D Benefit Summary

Basic Life/AD&D Benefit Summary

Voluntary Life/AD&D Benefit Summary

Voluntary Life/AD&D Benefit Summary

Short Term Disability Benefit Summary

Short Term Disability Benefit Summary

Long Term Disability Benefit Summary

Long Term Disability Benefit Summary

Contact Us

As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:


Human Resources

Client Contacts

GM

Gracie Middleton

gracie.middleton@dubowtextile.com

(320) 257-3367

KS

Karen Schmidt

karen.schmidt@dubowtextile.com

(320) 257-3370