Double-check your handiwork. If you enrolled in benefits, made changes, or didn’t take any action, review your confirmation statement to make sure everything is correct—that includes making sure your dependents are covered. To check your elections, navigate to Workday and select Menu > Benefits and Pay > expand the Benefits tab > Benefits by Date. Change the date to 01/01/25, and your 2025 elections will appear.

If something looks incorrect, we have a limited time to fix errors. If you find a mistake with your elections, go to Workday > Menu > Benefits and Pay, and on the Overview page, select the Reopen My Open Enrollment button. Note: If you reopen your enrollment, you will only have one day to complete and submit your enrollment changes. Otherwise, you will need to go through the process listed above, again. Don’t delay! After December 20, 2024, we cannot permit changes to your benefits unless you experience a qualifying life event.

If everything looks good, you may be wondering if there’s anything left on your to-do list. And there probably is. As we approach 2025, here’s what’s on the list. Some of the stuff on this list will apply to you. Some stuff won’t. Either way, be sure to look closely so you’re not surprised in January.

If you enrolled in over $500,000 of voluntary life insurance for yourself (or more than $50,000 for your spouse or domestic partner), or increased your voluntary life insurance by over $100,000, you'll need to answer some health questions. If so, you’ll see a task in your Workday inbox with a link that takes you to the Unum EOI site. Follow the steps on the Unum site, and when you’re done, click Submit on the task in Workday.

Tip: If you accidentally clicked Submit too soon on the Workday task, you can still access the task through the EOI announcement or by navigating to the Unum site. Go to Workday, select the Benefits app, and look for the Unum EOI option in the External Links section.

Welcome to the club! SimplePay Health uses the Aetna network, so if you switched from Cigna or Kaiser to SimplePay Health for 2025, here’s what you should do:

• It’s extremely important that you fill out your Member Financial Onboarding Form by November 29, 2024. When you enrolled, you should have received a task in Workday with an external link to the financial agreement. One of the benefit features included with your SimplePay plan is a financial line of credit. There is no credit check, and it has no effect on your credit report. Since this is a financial line of credit, Workmates will be required to electronically review and sign a financial disclosure and authorization document. If you don’t, you’ll lose eligibility for SimplePay Health coverage, and you’ll be reenrolled in your 2025 medical plan, which could also affect your HSA or FSA coverage.
• In the meantime, you can contact your Health Valet by calling 800-606-3564 or emailing healthvalet@simplepayhealth.com.
• Find a SimplePay Health provider for medical care and prescriptions.
• Use the drug price lookup tool if you want to know the cost of your prescriptions.
• Watch your mailbox in late December for a new ID card, and share it with your doctors and pharmacy beginning January 1.
   

You need to spend the remaining money in your FSAs by December 31, 2024. Funds will remain in your Benepass account through March 31, 2025, to enable you to submit your final 2024 claims.

Why is that deadline important? Only $640 of your 2024 Health Care FSA balance can carry over to 2025. The Dependent Care FSA doesn’t allow you to carry over any amount—you lose any excess funds you don’t use.

If you have a balance left, try to use it up. Maybe your glasses are in serious need of replacement. Or maybe you have a specialist appointment in January that can get moved to December. If you really don’t need any medical care before the end of the year, get creative! How about stocking up on sunscreen for your next beach vacation? Check on what’s eligible for reimbursement, and make a plan so you don’t forfeit your money.

Maybe! If you switched to a Kaiser or SimplePay Health plan, you’ll receive a shiny new ID card in your mailbox by the end of December. Cigna ID cards are going fully digital in 2025, so make sure to download the Cigna app if you switched to one of the Cigna plans. If you live in Utah and enrolled in the SimplePay Health plan for 2025, you’ll receive a new ID card (even if you were enrolled in SimplePay Health this year).

Otherwise, if you didn’t switch plans, your old ID card will still be valid in 2025.

Moved recently?

Your ID cards will be mailed to the home addresses on file in Workday. If you or your dependents haven’t updated your addresses in Workday, then you won’t receive your ID cards. And we wouldn’t want that.

Enrolled in the Cigna or Kaiser Smart Plan? Good for you! That means you get a Health Savings Account (HSA) with free money from Workday.

• If you just switched to a Smart Plan for the first time, you need to finish your HSA setup with Fidelity. This is essential. If you don’t set up your account, your free money from Workday won’t arrive on time. Look for a notification from Fidelity in mid-December to take care of it.
• First time using an HSA? Start here, and talk with Fidelity if you have questions.
• As a reminder, for 2025, you can save up to $4,300 (single) or $8,550 (family), including the contributions from Workday. Contribute up to $1,000 more if you’ll be age 55 or older in 2025.
• Our contribution will be credited to your HSA each pay period (spread out over 24 pay periods), just like your contributions.

Designating beneficiaries and keeping them up to date will let the fine folks at Fidelity, E*TRADE, and Unum know where to send all that money in case something happens to you.

Designate or update your 401(k) and HSA beneficiaries directly on the Fidelity website, and your ESPP beneficiaries on the E*TRADE website. For your life and AD&D benefits, do it in Workday by selecting Actions, then Benefits, and then View My Beneficiaries.

Did you know that there’s a whole list of programs available to you that don’t require enrollment each year? You have free financial advice from Northstar, and your wallet is begging you to take advantage. If you’re currently enrolled in accident, critical illness, or hospital indemnity insurance, then you get $100 just for completing your annual wellness exam. If all that benefit goodness isn’t enough, you may want to review our approach to holistic wellbeing and family life.

If you pay for your student loans or contribute to a 529 plan via SoFi paycheck deductions, you’ll need to set up student loan payments with your student loan servicer and 529 contributions with your administrator. Payroll deductions for student loans and 529 plan contributions will not be supported after December 31, 2024.

The Student Debt 401(k) Match Program allows Workday to treat your student loan payments the same as your 401(k) contributions when calculating the Workday match. You’re eligible to participate in the program if you’re in student loan repayment and you contribute less than 6% of your annual pay to your 401(k).

Prospective Enrollees

To get started, you must enroll on Fidelity’s website and upload your student loan payment information. Your loan will qualify for the program from the day you enroll. You will be required to visit Fidelity’s website to provide documentation for any monthly loan payments that you want to be considered.

Existing Enrollees

You need to manually upload student loan statements for each month that you participate in the Student Debt 401(k) Match Program. To double-check or upload statements, log in to Fidelity. From the NetBenefits home page, under the Your Accounts & Benefits tab in the main navigation, select Student debt retirement contribution. For detailed information on uploading your statements, use the step-by-step guide.

You must upload your 2024 student loan payment information in Fidelity before January 15, 2025, to receive the Workday 401(k) match for each of those payments.