Protecting your wealth and planning for your future is critical to peace of mind. WRNS provides multiple solutions to support your finances. From health savings and flexible spending accounts to support your medical spending to paid paternal leave and a student cost reduction program, we've got you covered.
financial health
Income Protection Plans
WRNS Studio's income protection plan, offered through The Standard, provides you with security and peace of mind that you will be protected in case of disability and your family will be provided a financial cushion in the event of your death. WRNS Studio pays 100 percent of the premium.
To reach Customer Service, call (888) 937-4783.
Submitting a claim online is only a few clicks away. Log in to your Standard portal to get started or register if it's your first visit. Manage your claim and communicate with The Standard team using the secure portal. Click the link below for additional information.
Health Savings Account (HSA)
2025 HSA contribution:
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$4,300 - Individual Enrollment
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$8,550 - Employee + 1 Enrollment
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WRNS Studio provides eligible employees enrolling in the HSA medical plan the following contributions:
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$83.33/month Employee Enrolling Alone (full amount funded in January)
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$166.67/month Employee Enrolling with Dependents (full amount funded in January)
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The 2025 Annual Maximum includes the employer contribution.
Flexible Spending Account (FSA)
WRNS provides employees a flexible spending account through Navia. This account allows money to be deducted pre-tax for medical and childcare expenses.
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2025 Contribution Limit
Maximum Annual Limit: $3,300 (up from $3,200 in 2024)
Dependent Care Limit: $5,000
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FSA and Day Care Tutorial Videos
Life Insurance with Long-Term Care
Seventy percent of adults who are 65 years and older will require some level of long-term care throughout the rest of their life. Yet Long Term care is not typically covered by medical insurance or Medicare. And it's likely that state governments, like Washington in 2021, will increasingly pass legislature mandating residents to purchase this type of coverage.
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That's why WRNS offers additional Life and Long-Term Care (LTC) coverage for extra protection, through Chubb. This is a voluntary, employee-paid plan. You can purchase up to $50,000 with no medical questions during open enrollment. The policy will pay 4 percent of life insurance as long-term care benefits for up to 75 months. You can cancel at any time.
Click on the links below to learn more about the plan and see the plan rates. Please follow the enrollment instructions listed in your Employee Navigator portal for information on enrolling into the Life Insurance with Long-Term Care benefit.
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Here are some additional statistics worth knowing when you consider purchasing LTC coverage:
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27 million: The estimated number of people will pay for long-term care services by 2050.
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$105,850: The median annual cost in the US for a private room in a nursing home in 2020.
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$142,254: The projected median US annual private nursing home cost in 2030.
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Maternity / Paternity Leave
Employees that welcome a newborn or adopted child have the opportunity to take Maternity or Paternity leave. For Maternity Leave, your income will be partially replaced by State Disability (CA or NY), short-term disability through the Standard Insurance company, and finally, WRNS, if you choose to also take baby bonding for six weeks in Hawaii, and eight weeks in California and NY. To ensure a successful reimbursement process on your leave, you will need to 1) file a claim with your State Disability (Click Here for CA, Contact WRNS HR for NY or HI), 2) file a claim with Standard Insurance Company, contact WRNS HR for this claim form, and 3) complete a paid parental leave form if you wish to take the baby-bonding. Please see the maternity “roadmap” by clicking the button below to learn more about the laws and protections around Maternity Leave. The Maternity Leave benefit typically provides up to 12 weeks of paid leave, but in some cases can be more.
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For Paternity Leave you will need to file for PFL (with your appropriate state) and then complete step 3 with WRNS HR listed above. The Paternity Leave or Baby Bonding Leave benefit will provide up to 4 weeks of unpaid leave in Hawaii, 8 weeks of paid leave in California, and 12 weeks of paid leave in NY and WA. In some cases, the paid leave can be longer.
401(k) Plan
Commuter Benefits (Transit and Parking)
The GoNavia Parking and Transit Benefits allow you to use pre-tax dollars to pay for public transportation to commute to work or to pay for parking while at work.
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2025 Contribution Limit (Maximum Election)
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Transit: 2025 IRS limit is $325 per month (up from $315/month in 2024)
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Parking: 2025 IRS limit is $325 per month (up from $315/month in 2024)
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Student Loan Cost Reduction: SoFi
SoFi is a modern finance company providing lending and wealth management services online. They evaluate applicants based on a holistic view of their financial well-being rather than a three-digit score. Whether you are looking to refinance your student loans, buy your dream home, or simply seek advice as you ascend in your career, SoFi provides products and tools to match your ambitions.
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Convenience: Consolidate all your student loans into a single loan.
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Flexibility: Choose from a variety of loan terms.
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No Commitment: No-obligation rate quote
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$300 Bonus: Receive a $300 welcome bonus.*
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*You are eligible to receive the $300 welcome bonus only if you sign up and refinance through the button below.
Disclaimer: This presentation is to provide a summary of WRNS Studio's employee benefits program. Should any discrepancy arise, please refer to actual plan documents that supersede this presentation. Once enrolled, you will receive a Combined Evidence of Coverage and Disclosure Form that explains the exclusions and limitations, as well as the full range of covered services of your plan, in detail.
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