Making Benefits Changes (2024)

How to Make a Benefit Change

You can make a change after experiencing a qualified change in status by visiting Your Benefits Resources™ (YBR^™) through My Total Compensation and Benefits. Access YBR^™ under "Want to get to our Best in Class Vendors fast?" in the upper right-hand corner. You can also make a change by speaking with a Citi Benefits Center representative. Call the Citi Benefits Center through ConnectOne at 1 (800) 881-3938. From the ConnectOne "benefits" menu, choose the "health and insurance benefits as well as TRIP and spending accounts" option. You can speak with a representative from 8 a.m. to 8 p.m. ET Monday through Friday, excluding holidays.

To enroll or make changes to your Group Universal Lifeor (GUL) Supplemental Accidental Death and Dismemberment (AD&D) insurance at any time, visit the MetLife MyBenefits website through My Total Compensation and Benefits or call MetLife at 1 (888) 830-7380. To change your GUL coverage, you may be required to provide evidence of insurability.

You can make the following changes to your benefits within 31 days of the event if your partner is a tax dependent (Note: If you enter into a domestic partnership or a civil union, the changes you can make depend on whether your partner is your tax dependent as defined by Section 152 of the Internal Revenue Code):

• Medical, Dental and Vision: Enroll in coverage for yourself and your dependent(s), drop your coverage, drop dependent(s) from your coverage, add dependent(s) to your coverage and switch to another plan
• Increase your contributions to your Health Care Spending Account, Limited Purpose Health Care Spending Account or Dependent Day Care Spending Account
• Enroll in or increase your Group Universal Lifecoverage by up to one times your benefits eligible pay, not to exceed $500,000, without providing Evidence of Insurability (EOI), if you have not previously elected the GUL maximum benefit
• Enroll in Long-Term Disability coverage without providing EOI

You can make the following changes to your benefits within 31 days of the event if your partner is not a tax dependent:

• Medical, Dental and Vision: Enroll in coverage for yourself and your dependent(s)
• Enroll in or increase your Group Universal Lifecoverage by up to one times your benefits eligible pay, not to exceed $500,000, without providing Evidence of Insurability (EOI), if you have not elected the GUL maximum benefit
• Enroll in Long-Term Disability coverage without providing EOI, if you previously declined the coverage

Other things to think about:

• If you're changing your name, get a new Social Security Card to reflect your new name
• Update your address on My Total Compensation and Benefits
• Update your life insurance and your retirement plan beneficiaries
• Update your tax withholdings (intranet only)

You can make the following changes to your benefits within 31 days of the event:

• Medical, Dental and Vision: Enroll in coverage for yourself and your dependent(s), drop your coverage, drop dependent(s) from your coverage, add dependent(s) to your coverage and switch to another plan
• Increase your contributions to your Health Care Spending Account, Limited Purpose Health Care Spending Account or Dependent Day Care Spending Account
• Enroll in or increase your Group Universal Lifecoverage by up to one times your benefits eligible pay, not to exceed $500,000, without providing Evidence of Insurability (EOI), if you have not elected the GUL maximum benefit
• Enroll in Long-Term Disability coverage without providing EOI

Other things to think about:

• Find out more about Paid Pregnancy Leave or Parental Bonding Leave
• Review the Family Medical Leave Act policy
• Review the Disability Insurance section for information on how to request a leave
• See what resources are available to support you through our New Parent Program on Citi For You (intranet only)
• Get the child care you need through Bright Horizons
• Update your life insurance and your retirement plan beneficiaries
• Apply for a Social Security Number for the new family member
• Change your tax withholdings (intranet only)
• Notify your manager to discuss your leave and when you plan to return to work

You can make the following changes to your benefits within 31 days of the event if you move outside of your plan's service area:

• Medical, Dental and Vision: Drop coverage for yourself, drop your spouse/partner from your coverage, drop dependent(s) from your coverage, switch to another plan, transfer your deductible between self-insured medical plans (In-network Only Plan, Choice Plan, High Deductible Plan with HSA)
• Enroll in or decrease your contribution to your Dependent Day Care Spending Account

Other things to think about:

• Update your address on My Total Compensation and Benefits
• Update your state tax withholding, if necessary (intranet only)

You can make the following changes to your benefits within 31 days of the event:

• Medical, Dental and Vision: Enroll in coverage for yourself and your dependent(s), drop your spouse from coverage, drop dependent(s) from your coverage or add dependent(s) to your coverage
• Enroll in, increase or decrease your contributions to your Health Care Spending Account, Limited Purpose Health Care Spending Account or Dependent Day Care Spending Account
• Enroll in or increase your Group Universal Lifecoverage by up to one times your benefits eligible pay, not to exceed $500,000, without providing Evidence of Insurability (EOI), if you have not elected the GUL maximum benefit
• Enroll in Long-Term Disability coverage without providing EOI

Other things to think about:

• Get free confidential guidance and support
• Access virtual therapy
• If you're changing your name, get a new Social Security Card
• Update your address on My Total Compensation and Benefits
• Update your life insurance and your retirement plan beneficiaries
• Update your tax withholdings (intranet only)
• Update your direct deposit, if necessary (intranet only)

You can make the following changes to your benefits within 31 days of the event:

• Medical, Dental and Vision: Enroll in coverage for yourself and your dependent(s). If your spouse loses coverage, you may switch to another plan.
• Enroll in, increase or decrease your contributions to the Dependent Day Care Spending Account, if your spouse loses health care coverage 

You can make the following changes to your benefits within 31 days of the event:

• Medical, Dental and Vision: Drop coverage for your dependents, or drop coverage for yourself (if you'd like to move to your spouse's plan)
• Discontinue or decrease your contributions to your Dependent Day Care Spending Account, if your spouse becomes eligible for another plan

You can make the following changes to your benefits within 31 days of the event:

• Enroll in Citi Retiree medical, dental and vision coverage for you and your dependent(s). For more information, review Your Retirement Guide. Note:As an alternative to Retiree dental or when Retiree dental ends, you have the option to enroll inTakeAlong Dentalcoverage through MetLife. Keep in mind that to waive waiting periods on basic and major dental services, you must enroll in TakeAlong Dental within 60 days of losing active, retiree or COBRA coverage and that coverage had to have been in place for at least 12 months. Contact MetLife directly at1 (844) 263-8336for more information. Provide “Citi" as a reference when calling.
• Enroll in COBRA for yourself only or for you and your dependents, if you are eligible and were enrolled in active coverage prior to retirement
• Elect to continue contributions (on an after-tax basis) to the Health Care Spending Account (HCSA) or Limited Purpose Health Care Spending Account (LPSA) through COBRA for the remainder of the plan year. Note: If you were contributing to an HCSA or LPSA prior to retirement, you'll have until June 30 of the year after your retirement date to file claims; otherwise, you'll forfeit any funds remaining in your account
• Submit claims for eligible expenses incurred before your retirement date for the Dependent Day Care Spending Account (DCSA). You can file claims, up to your DCSA account balance, for eligible expenses incurred before your retirement date. You'll have until June 30 of the year after your retirement date to file claims incurred prior to your retirement date; otherwise, you'll forfeit any funds remaining in your account
• Convert group universal life insurance to an individual policy, if desired. Note: You will pay higher rates than the Citi coverage

Other things to think about:

• Notify both your supervisor and a human resources representative as far in advance as possible to allow for the required paperwork to be completed by your termination date
• Connect with a retirement specialist via ConnectOne at 1 (800) 881-3938. From the ConnectOne "benefits" menu, choose the "initiate retirement" option
• Consider joining the Citi Alumni Network
• Keep your home address and telephone number up to date on Citi records

You can make the following changes to your benefits within 31 days of the event:

• Medicaland Vision: Enroll in COBRA for yourself only or for you and your dependents, if you are eligible and were enrolled in active coverage prior to your termination. Note: If you are younger than age 65 when you terminate, your active medical and vision coverage will end at 11:59 p.m. on the day you terminate. If you are age 65 or older, your active medical and vision coverage will terminate at the end of the month in which you terminate employment
• Dental: Enroll in COBRA for yourself only or for you and your dependents, if you are eligible and were enrolled in active coverage prior to your termination.As an alternative to COBRA or when COBRA ends, you have the option to enroll inTakeAlong Dentalcoverage through MetLife, even if you were not previously enrolled in dental coverage. Keep in mind that to waive waiting periods on basic and major dental services, you must enroll in TakeAlong Dental within 60 days of losing active or COBRA coverage and that coverage had to have been in place for at least 12 months. Contact MetLife directly at 1 (844) 263-8336 for more information. Provide “Citi" as a reference when calling.Note: If you are younger than age 65 when you terminate, your active dental coverage will end at 11:59 p.m. on the day you terminate. If you are age 65 or older, your active dental coverage will terminate at the end of the month in which you terminate employment.
• If eligible, elect to continue contributions (on an after-tax basis) to the Health Care Spending Account (HCSA) or Limited Purpose Health Care Spending Account (LPSA) through COBRA for the remainder of the plan year, if you were contributing to an HCSA or LPSA prior to terminating
• Submit claims for eligible expenses for the Dependent Day Care Spending Account (DCSA) after your termination date through the end of the year in which your termination occurred. You'll have until June 30 of the year after your termination date to file claims; otherwise, you'll forfeit any funds remaining in your account
• Convert group universal life insurance to an individual policy, if desired. Note: You will pay higher rates than the Citi coverage
• Note: Your Long-Term Disability coverage ends on the day you terminate.

Other things to think about:

• Review the Leaving Citi Guide
• Return all Company property used while a Citi employee, including your laptop, mobile device, company ID, corporate credit card, etc.
• Make decisions about your ongoing benefits coverage through COBRA
• Access confidential counseling or assistance (Note: The Be Well Program participation ends on your last day as a Citi employee)
• Complete an exit interview with your manager
• Keep your home address and telephone number up to date on Citi records

Things to think about:

• Adjust benefits coverage, if necessary
• Access confidential counseling or assistance
• Contact the Citi Benefits Center at 1 (800) 881-3938 for more information 

Things to think about:

• Review the Survivor Support Guide
• Access confidential counseling and support
• Review the Bereavement Leave Policy available on Citi For You (intranet only).
• Submit the life insurance claims, if you are the beneficiary
• Contact the Social Security Administration regarding benefits
• Update your life insurance and your retirement plan beneficiaries
• Update your tax withholdings (intranet only)

Things to think about:

• Notify your manager/supervisor about your situation
• Contact MetLife at 1 (888) 830-7380 or visit the MetLife MyBenefits site available through My Total Compensation and Benefits if you'll be absent from work for more than seven consecutive calendar days due to a non-work-related injury or illness
• See what company paid leaves are available to you, including Family Medical Leave
• Access confidential counseling and referrals for personal issues, if applicable
• Contact Health Advocate at 1 (866) 449-9933
• Review the steps you'll need to complete in order to report a disability or leave of absence
• See how your benefits coverage will be impacted if you become disabled
• Contact HR Shared Services (via ConnectOne) at 1 (800) 881-3938. From the "payroll & HR administration” menu, choose the “leave of absence or for a manager to report a return to work” option