Who Can Enroll and When

Who’s Eligible

Regular, full-time colleagues regularly scheduled to work 30 or more hours per week are eligible for all benefits1 described in this guide.

Regular, part-time colleagues regularly scheduled to work 20 hours or more, but less than 30 hours per week, are eligible to enroll in medical, dental and vision coverage but may have different contribution rates. You may also participate in the Flexible Spending Accounts (FSAs)1, Health Savings Account (HSA) (if enrolled in a HDHP), Legal Plan, Identity Theft Protection Plan, Supplemental Health Coverage and 401(k) Retirement Savings Plan. You are automatically covered by Life Services Global Program. You are not eligible for coverage under the life insurance and disability insurance programs.

1Flexible Spending Accounts (FSAs) are not available in Puerto Rico due to local tax laws and regulations.

Health and Insurance Benefits

Who you can cover

You may elect coverage for:

  • Yourself
  • A spouse to whom you’re legally married2
  • A qualified domestic partner (go to the MyBenefits portal for full details on qualifications for domestic partners)2
  • Children up to age 26 for whom you are the legal guardian
  • Adult children age 26 and older who are mentally and physically incapable of earning a living: you must complete a separate disabled dependent certification for medical plan coverage

2Working spouse surcharge may apply for medical coverage. Learn more here.

Covering dependents

Take the time to review dependent information when going through the enrollment process and make necessary updates. If you choose to add a dependent to your coverage, company policy requires you to submit documentation to verify their eligibility for coverage. Details and instructions will be mailed to your home from Alight after enrollment is complete.

When can you enroll

Situation When to Enroll Benefits Begin Benefits End

You’re newly hired

Within 31 days following your hire date

On your date of hire (retroactive)

Benefits remain in effect until December 31 of the current calendar year1

It’s Benefits Open Enrollment

During Open Enrollment (typically in the fall)

January 1 of the following year

Benefits end on December 31 of the following year1

You’ve had a life change (referred to as a qualifying life event)

Generally, within 31 days after the qualifying life event

Any change you make to your coverage must be consistent with your change in status.

On the date of the status change

Any newly added dependent is subject to eligibility verification.

Benefits remain in effect until December 31 of the current calendar year1

1Or upon termination

If you don’t enroll

During your initial eligibility period

If you are a newly hired colleague and you do not enroll during your initial eligibility period:

  • You will not have medical, dental or vision coverage for 2025.
  • You will not be able to contribute to a Flexible Spending Account (FSA) (where eligible).
  • You will not be able to contribute to a Health Savings Account (HSA) or receive the company contribution.
  • You will not be able to participate in certain voluntary plans, such as legal coverage and supplemental health plans.
  • You will not be able to enroll or make changes until the next Open Enrollment period unless you experience a qualifying life event and report it to MyBenefits within 31 days.

During Open Enrollment

 If you do not make any changes during the Open Enrollment period (October 14-25, 2024):

  • Any current elections for medical, dental, vision, optional life insurance, optional AD&D insurance, LTD buy-up, critical illness, hospital indemnity, identity theft protection, legal coverage and supplemental accident coverage will continue for 2025.
  • Your current certification for the working spouse surcharge will rollover automatically. If you are currently paying an additional $100 per month to cover a spouse/domestic partner on your medical plan, that surcharge will continue. If you are adding your spouse/domestic partner to your coverage, you will need to complete the certification.
  • You will not have access to Flexible Spending Accounts (FSAs), which must be elected each year.
  • You will miss your chance to contribute to your HSA, your new account with Fidelity will not be opened and company contributions will not start. Open Enrollment is also your opportunity to confirm you want your current Smart-Choice HSA balanced transferred to your new Fidelity account and avoid the monthly maintenance fees from Smart-Choice.
  • If you are enrolled in Basic Life Insurance coverage at $50,000 today, you will miss the one-time opportunity to expand from $50,000 to 1.5x annual salary3x annual salary without answering health questions.
  • You will miss the opportunity to increase optional colleague life insurance (up to 1x annual earnings) or spouse/domestic partner life insurance (up to $50,000) without answering health questions.

Life changes

Generally, you cannot make midyear changes unless you experience a qualifying life event. In those cases, changes must be made within 31 days of the event or you must wait until the next Open Enrollment period. Examples of qualifying life events include:

  • You get married or satisfy the criteria for a domestic partnership
  • You become legally separated, divorced, your marriage is annulled or you dissolve a domestic partnership
  • You have a child by birth or a child placed for adoption
  • You gain or lose custody of a child
  • You experience the death of a spouse/domestic partner or child
  • There is a change in your or your spouse’s/domestic partner’s employment
  • You or your spouse/domestic partner become eligible for Medicare

If you experience a status change, please process the life event on MyBenefits within 31 days of the event. Use chat on MyBenefits or call 1-833-423-6387 (8:00 am – 8:00 pm EST) if you have questions.  Note: If there is a charge or refund for a retroactive change, it will be passed along to you.

Deferred Compensation Plan (DCP)

When can you enroll

The DCP enrollment window will occur with Fidelity November 11 – 25. Detailed information and invites to web sessions will be sent in advance.

401(k) Retirement

When can you enroll

You are immediately eligible to enroll in the plan and contribute, subject to plan and IRS limits. The company will match 100% of 6% of your eligible pay on pre-tax and Roth after-tax contributions after completing one-year of service.

To enroll or make changes to your elections, visit netbenefits.fidelity.com or call Fidelity at 1-800-TFS-0076.

You must enroll on MyBenefits to have coverage.

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