Careers with LDF Companies

LDF Companies’ Benefits

At LDF Food Group-Wendy’s, it is our goal to provide our employees with a comprehensive benefits package*

*Not all employees are eligible for all benefits.  All benefits are subject to the terms of specific insurance and LDF policies which are subject to change without notice.


LDF WILL HELP YOU SAVE FOR RETIREMENT

Did you know that in addition to giving you the opportunity to save pre-tax dollars, The LDF Companies adds 15% to your 401(k) account contributions? And that you can choose from 18 different investment options allowing your money to grow at an even faster rate? You can also check your 401(k) account balance, move money between funds and change your investment options as often as you like! To be eligible for the LDF 401(k) Plan, you must have been employed for at least one year, worked 1000 hours or more, and be 21 years of age or older.

Investment Options – Three investment options make it easier for you to create a diversified portfolio. Most people can easily identify themselves as Conservative, Moderate or High Growth when it comes to investing money. To allow you to get the maximum advantage of these tendencies, the LDF 401(k) Plan has three diversified portfolios that are pre-designed to fit these investing profiles. You can simply select one of these three options and your account will be allocated accordingly. In addition, Target Date Retirement Funds allow you to pick one fund that will automatically adjust its diversification to become more conservative as you near your retirement age. This is a great option for those who are not comfortable picking out their own investments. There are 9 Target Date Funds to choose from. The idea is to pick the fund that is closest to your expected retirement year. Target date Funds seek to help young investors stay ahead of inflation over time by using a higher percentage of equity investments. For those investors closer to retirement, the funds seek to protect their savings through more emphasis on income oriented investments. Six Additional American Funds – American Balanced Fund, Bond Fund of America, Growth Fund of America, Investment Company of America, EuroPacific Growth Fund and Cash Management Trust are available to you as investment options in the LDF 401(k) plan.

Automatic Enrollment – Without a doubt, the biggest obstacle most people face in accumulating funds for retirement is procrastination. We know we need to get started, but just don’t get around to it. Automatic Enrollment has redefined procrastination to work in your favor! Every January and July, all eligible employees who are not yet participating in the LDF 401(k) Plan will be automatically enrolled at 2% of their pre-tax pay.

Automatic Increase – Effective each July the contributions for everyone who was enrolled automatically in prior years will automatically increase by 1% up to a maximum of 6% of their pre-tax pay. Of course, in both Automatic Enrollment and Automatic Increase, you will be able to select investment options, increase your contributions to as high as 20% or opt out of the LDF 401(k) Plan and/or automatic increase if you so choose.

It’s Your Money – You are always 100% vested in your own contributions and can take that money as well as any investment earnings with you if you leave LDF for any reason. You can roll your money over into an Individual Retirement Account (IRA), another company’s qualified 401(k) plan or take a cash pay out. In addition, you begin vesting in LDF’s contributions after two years and are 100% vested after six years. You can also borrow from your LDF 401(k) account for any reason and pay yourself back through payroll deductions.

AUTOMATIC ENROLLMENT + AUTOMATIC INCREASES + PRE-TAX SAVINGS + 15% FROM LDF + 18 INVESTMENT EARNINGS OPPORTUNITIES = A GREAT DEAL!

Visit www.americanfunds.com or call 888-260-2580 for detailed information about the 18 investment options, to access your personal 401(k) account, learn about retirement planning and take advantage of a wealth of market and investment advice. You may also call Bob Crew (Triune Financial Partners, LLC) at (888) 887-4863 or visit www.triunefp.com for information and investment advice.

REMEMBER ALL ELIGIBLE EMPLOYEES WHO ARE NOT ALREADY PARTICIPATING WILL BE AUTOMATICALLY ENROLLED IN THE LDF 401(k) PLAN AT 2% OF PRE-TAX PAY EACH JANUARY AND JULY AND HAVE THEIR CONTRIBUTIONS INCREASED BY 1% EVERY JULY UP TO A MAXIMUM OF 6% OF PRE-TAX PAY.

WHAT A GREAT WAY FOR YOU TO SAVE TAX DEFERRED DOLLARS, GET AN ADDITIONAL 15% FROM LDF AND WATCH YOUR MONEY GROW!!!

IF YOU HAVE ANY QUESTIONS OR DO NOT WANT TO TAKE ADVANTAGE OF THIS GREAT PROGRAM, PLEASE CALL YOUR HUMAN RESOURCES REPRESENTATIVE AT 316-636-5575 OR TOLL FREE AT 866-602-0862.


HEALTH CARE

Harrington Health is the name of our Health Care provide. You can visit www.harringtonhealth.com to find summaries of the LDF medical, dental and disability plans, verify that your doctors are in the network, find new providers, review your claims, verify benefit enrollment information, request ID cards, download forms and access a wealth of general health care information. You can also call Harrington Health at 800-235-7160. Always remember to have your Harrington Health ID card available when visiting your providers.

There are many important wellness components to the LDF Health Plan which do not require any deductibles including Annual Routine Physical Exams (up to $300.00), Annual Eye Exams (up to $85.00), Semi-Annual Dental Exams and Cleanings (paid at 80%), PSAs, Colon/Rectal Cancer Screens, Mammograms, Pap Smears, Well Baby Care (from birth to 5 years of age) and a 24/7 Nurse Line 877-950-5083 where registered nurses will answer your questions and provide information, education and support for health related concerns.

LDF also offers discounts at YMCAs in Wichita and Tulsa, SKY Fitness in Tulsa and Jenny Craig, Curves, Global Fit or the fitness center of your choice in all LDF markets. Please visit DirectHealth at www.directhealthprogram.com or call 800-395-4124 for details on 100% coinsurance for covered lab services (after deductible) and discounts for prescription drugs, wellness, fitness, nutrition, weight loss, smoking cessation, lasik surgery, vitamins, etc. And always remember to have your DirectHealth ID card available when applying for these benefits.

The following are some tips on how to save money while taking advantage of your LDF benefits:

  • Let Harrington Health process your medical and dental claims before paying your providers so you pay your bill after PPO discounts have been applied (the amount you owe will be explained in detail on your Explanation of Benefits EOB statements).
  • Check your EOB statements to verify that all LDF Plan provisions have been applied and that you received the services for which you were billed.
  • Tell your providers that you are personally paying the bills. Many providers will reduce fees, write off balances and offer extended payment options.
  • Always ask for free samples. Most providers have plenty of them and are more than happy to give them to you.

Name brand drugs can be very expensive and by law their generic equivalents must be the same formula and provide the same medical benefits. So visit www.innoviant.com to determine if there are generic equivalents for any name brand drugs that you are taking, then check with your doctor to see if they can be prescribed for your needs. You will also find network pharmacies and even less expensive mail order options on their website or by calling Innoviant at 877-559-2955. In addition, WalMart continues to improve it’s pharmacy program, now offering a 30 day supply at only $4 and a 90 day supply at only $10 each for up to 95% of the prescriptions written in the majority of therapeutic categories. Visit www.walmart.com.

 

HEALTH SAVINGS ACCOUNTS (HSA)

In addition to all of the above, LDF contributes cash to your personal Health Savings Account! Family plan participants receive $1500.00 per year ($750.00 in January and $750.00 in July), Employee + 1 plan participants receive $1000.00 ($500.00 in January and $500.00 in July) and Single plan participants receive $600.00 ($300.00 in January and $300.00 in July)! All newly eligible participants, receive the prorated amount for their actual months of plan participation. Plan participants can also make tax free contributions into their Health Savings Accounts through payroll deduction and change those amounts in January and July as well. Be sure to check your monthly HSA statement from INTRUST Bank to verify you have received your LDF contributions, any personal tax free contributions and that you actually made the purchases for which you have been billed.

You can use your HSA Visa card for prescription drugs, over the counter medications, dental care, chiropractic care, vision care, eyeglasses, contact lenses, xrays, lab fees, weight loss programs, smoking cessation programs, physical therapy, psychiatric care, diagnostic services, hearing aids, long term care, hospitals, doctors, nurses, ambulances and most other health related products and services. Please visit www.irs.gov/pub/irs-pdf/p502.pdf for a complete list of HSA qualified medical expenses.

When you use your HSA Visa card for qualified medical expenses, use it as a credit card to avoid any fees. Always check your available balance before making purchases to be certain you have sufficient funds in your HSA to cover your purchases as there are INTRUST Bank fees for each overdraft for insufficient funds. You can verify your available balance, review your account activity and order checks (for a fee) by visiting www.intrustbank.com or by calling 800-895-2265. The cash in your Health Savings Account is your money! It accumulates from year to year, earns interest and is yours to take with you when you retire or if you leave LDF for any reason.

LDF HAS NOT INCREASED HEALTH INSURANCE PREMIUMS SINCE JANUARY OF 2004! In addition, the majority of LDF plan participants have spent less on health care and have cash balances in their Health Savings Accounts. After all is said and done, the money that LDF and you have deposited in your HSA is your money! Spend it wisely. Shop around for your health care purchases just like you do for any other purchases. And take care of yourself! Take advantage of the many health and wellness provisions in the LDF plan. Get an annual physical. Follow your doctor’s advice. Eat healthy. Exercise regularly. Get sufficient rest. Drink responsibly. Don’t use tobacco. YOUR HEALTH IS VERY IMPORTANT AND THE HEALTHIER YOU ARE, THE MORE LIKELY YOU WILL SPEND LESS ON DRUGS, WITH DOCTORS, AND IN HOSPITALS!


LIFE, AD&D, SHORT AND LONG TERM DISABILITY INSURANCE

LDF offers $15,000 basic group term Life Insurance coverage and a $15,000 Accidental Death & Dismemberment (AD&D) Insurance benefit at no cost to all employees classified as full-time. Click here for a complete description of the basic LDF Life and AD&D plan.

In addition, Full-Time Employees can apply for Voluntary Group Term Life Insurance and Voluntary Accidental Death & Dismemberment Insurance coverage in amounts from $20,000 to $500,000 in $5,000 increments, not to exceed five times annual salary. Full-Time Employees can also purchase Life Insurance and AD&D Insurance coverage for their spouse and eligible dependent children. Click here for a complete description of the voluntary LDF AD&D plan.

LDF offers Short Term Disability (STD) Insurance at no cost to all Full-Time Employees. This benefit provides weekly income protection while disabled due to sickness or accident. The plan pays 66 2/3% of basic weekly earnings up to a maximum of $300 per week beginning on the 15th consecutive day of disability and continuing up to a maximum of 26 weeks for any on period of disability. Visit www.harringtonhealth.com for a complete description of the LDF STD plan.

Full-Time Employees are also eligible to apply for Voluntary Long Term Disability Insurance. The LDF plan pays 60% of the employee’s base annual compensation up to a maximum monthly benefit of $6,000 after 180 days of disability due to the same or a related sickness or injury, which must be accumulated within a 360 day period. Click here for a summary of the LDF LTD plan, and click here for a complete description of the LDF LTD plan.

LDF Long Term Disability Insurance also includes an Employee Assistance Program (EAP) for employees and their immediate family members. Please visit www.mutualofomaha.com or call 800-316-2796 for assistance with parenting, family relationships, personal, and financial issues.


WELCOME TO THE CONVENIENCE OF ELECTRONIC PAY

Now with the availability of both DIRECT DEPOSIT and PayCards for all employees, there is no need for you to have to wait around for checks to be handed out to get your pay.

Just talk to your General Manager or Administrative Assistant to get the information on how to sign up for all the conveniences of Direct Deposit and PayCards.  To participate in Direct Deposit, you need to open a checking or savings account at any bank or credit union.  But you don’t even need a bank account to get a PayCard.  With both Direct Deposit and the PayCard, your net pay is available to you by 8AM of payday, (except if your payday falls on a bank holiday).

No more special trips to pick up your pay check or to the bank or check cashing store-an especially nice feature if you are on a day off, on vacation, out of town, or just too busy to make unnecessary trips.  No more standing in lines waiting to cash or deposit your pay check and no more check cashing fees.

So if you are not already participating, see your General Manager or Administrative Assistant and sign up today to take advantage of the convenience, reliability, security and flexibility of either Direct Deposit or the PayCard. 

If you already have a PayCard, always check your balance to avoid an ATM decline/inquiry fee.  You can call the toll free number on the back of your PayCard (800)-226-3931 anytime (24 hours a day) to check your balance or if you have any questions or difficulties regarding your account.  You can also visit www.cardholder.comdata.com to review your account balance and activity.

With your LDF PayCard, you can receive 100% of your pay with no charge for you first transaction at any MasterCard Bank or Walmart Store and it is accepted at all MasterCard Merchants with no fee when used as a credit card. Your LDF PayCard can also be used at all Maestro POS Locations, Surcharge Free Allpoint ATMs (visit www.allpointnetwork.com for locations), online purchases, and electronic bill paying.

REMEMBER YOUR FIRST TRANSACTION EACH PAYDAY IS FREE!


EDUCATIONAL ASSISTANCE

It is the policy of The LDF Companies to support management personnel in the maintenance and/or addition of job skills. LDF will utilize tuition reimbursement for advanced educational experiences as a means of increasing employee productivity, self-worth, and future potential with the company.

If the course is approved in advance by the employee’s manager and the Human Resources Department, and bears some relationship to present or future work with the company, LDF will pay 50% of the tuition cost.

Eligible expenses for workshops, seminars, and special training programs will also be reimbursed if they have been approved by the employee’s manager and Human Resources.


ADVANCEMENT OPPORTUNITIES

LDF believes that its greatest asset is its dedicated employees and strongly in promotion from within. When filling positions throughout the organization, we first consider candidates from among our current employees. Advancements are based strictly upon merit and demonstrated ability.

LDF provides on-the-job classroom training programs which provide for personal and professional growth. In addition, it is the policy of the Company to support management personnel in the maintenance and addition of job skills.

And LDF will provide tuition reimbursement for advanced education experiences as a means of increasing productivity and future potential with the company. Once the course of study is approved by Management and Human Resourcesm LDF will pay 50% of the tuition cost.

Requests to attend workshops, seminars, and special training programs can also be submitted to Management and Human Resources for pre-approval to attend and reimbursement for eligible expenses.


EMPLOYEE ADOPTION ASSISTANCE

The LDF Employee Adoption Assistance program provides both financial assistance and paid time off if you adopt a child. To be eligible you must have completed at least one year of service, participate in the LDF Group Insurance program for Management and Full-Time employees, and be actively at work when the adoption takes place.

Once the adoption is final, you may be reimbursed for specific adoption related expenses such as licensed adoption agency fees and legal expenses. Eligible expenses will be covered up to a maximum of $4,000 per adopted child. The adoption of a “special needs” child allows for reimbursement up to $6,000 per adopted child.

LDF will allow the use of accumulated, unused sick leave, earned vacation, and holiday pay if an employee requests time off to adopt a child. Adoptive employees are also eligible for an unpaid leave in accordance with the Famiy Medical Leave Act (FMLA).





















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