FAQs:
Open Enrollment 2026
What is a passive enrollment?
A passive enrollment means that your current benefits will automatically roll over into the new plan year (2026). If you are happy with your current elections, no action is required unless one of the exceptions below applies to you.
Are there any exceptions to the passive enrollment?
Yes. There are a few important exceptions:
- Kaiser Medical Plans:
All Kaiser plans will end on 12/31/2025. You must log into Paylocity, open your Open Enrollment event, and either select a new Cigna medical plan or waive medical coverage for 2026. - S.A., F.S.A., and Commuter Benefits:
Even though these plans can roll over, you are required to re-enter your per-pay-period and annual contribution amounts for the new year. The IRS has updated annual maximums for 2026, so this is a good opportunity to review or adjust your contributions. - Anyone Wishing to Make Changes:
If you want to add, drop, or change any of your benefit elections for 2026, you will need to complete and submit your Open Enrollment event in Paylocity.
What plan changes are happening for 2026?
- Kaiser Medical is going away.
- Cigna Medical Rates: There will be a rate increase for 2026. Updated rates will be available during Open Enrollment meetings.
- Vendor Change: We are transitioning our H.S.A., F.S.A., and Commuter benefit administration from Flores to Paylocity. All future contributions and reimbursements will be managed directly in Paylocity.
How do I enroll in 2026 benefits?
You can enroll in your 2026 benefits directly through Paylocity — either from your desktop or mobile app.
- Log in to your Paylocity account.
- Click on Open Enrollment event under the “Benefits” section. On the mobile app you will see a “Enroll” button.
- Follow the step-by-step prompts to review, update, and submit your elections.
Detailed enrollment instructions can be found on our Benefits Website under the Eligibility tab.
What if I just want to look at my 2026 options in Paylocity?
If you click into your Open Enrollment event in Paylocity, you must submit your elections before exiting.
Important: If you open your event and close it without submitting, you will lose all voluntary benefit elections. To avoid this, be sure to complete and submit your enrollment once you’ve reviewed your options.
What does the “*” symbol mean when reviewing Voluntary Life Insurance or Buy-Up LTD options?
The “*” symbol indicates that the benefit option you selected requires Evidence of Insurability (EOI).
This means you’ll need to complete additional health information for review by Lincoln Financial before the coverage can be approved.
If you choose an option that requires EOI, Human Resources will follow up with you to provide the necessary steps and forms.
Why do I see an increase in cost for my current Voluntary Life Insurance coverage?
Voluntary Life Insurance premiums are based on age brackets.
If you move into a new age bracket for the 2026 plan year, your rates will automatically adjust to reflect that change.
This is a standard rate update that occurs whenever an employee enters the next age group.
Why do I see an increase in cost for my Buy-Up Long-Term Disability (LTD) plan?
The cost of the Buy-Up LTD plan is calculated based on your salary as of January 1, 2026.
If your base salary has changed during the year, your premium will increase or decrease accordingly.
This ensures your LTD coverage remains aligned with your current income level.
Voluntary Life Insurance:
Why am I being asked to complete an Evidence of Insurability when selecting Voluntary Life Insurance?
You are being asked to complete an Evidence of Insurability when selecting Voluntary Life Insurance to assess your health and determine your eligibility for coverage. Lincoln Insurance EOI form is located here:
What does a Guaranteed Issue mean?
Guaranteed issue means you can get the insurance policy without a medical exam or health questions, regardless of your health status or pre-existing conditions.
Can I change my life insurance beneficiaries over time?
Yes, after your benefits are in effect, you can alter your beneficiaries at any time. Please reach out to your HR department for further instructions.
HSA:
How does an HSA work?
A Health Savings Account (HSA) is a tax-advantaged savings account that allows you to set aside pre-tax money to cover qualified medical expenses. You can use the funds in your HSA to pay for medical expenses like doctor visits, prescription medications, and other eligible healthcare costs. HSAs are paired with high-deductible health plans (HDHPs), and the money you contribute to your HSA can grow tax-free over time. It’s a flexible and cost-effective way to save for healthcare expenses while reducing your taxable income.
Can I change my contribution at any time?
Yes, the H.S.A plan allows you to alter your contribution amount at any time. Once your benefit coverage is active, you may log in to Paylocity and select benefits. Then select change my coverage. From there, you may use the drop-down menu to select change my H.S.A and you may enter a updated contribution amount.
Can my employer contribute to my HSA?
Yes, your employer contributes to your HSA. They provide an annual contribution of $500, with the first $250 deposited on the first pay date of 2026 and the second $250 contribution scheduled for July 2026. This employer contribution can help you save for your healthcare expenses while enjoying the tax advantages of an HSA.
Healthcare and Dependent care FSA:
Who is our FSA vendor?
Paylocity – Their website is www.paylocity.com or you can speak with an Account Manager by calling 800-631-FLEX
Where can I find a list of qualified Healthcare expenses?
You can find a list of Qualified Healthcare expenses in several places. By visiting paylocity.com and going to their resource library. You can also find this list on the Microsite. Finally, a full interactive list can be found on the FSA Stores Website, FSAStore.com where you can shop for items directly from their website with your Paylocity debit card.
Can I roll over my money of my Dependent and/or Healthcare funds into the following year?
The funds do not roll over. It is a use it or loose it plan.
Will I receive a debit card for the FSA account?
Yes, Paylocity will mail you this card and the instructions on how to activate it.
Commuter: Transit & Parking Plans:
Will I get a separate debit card when enrolling in the Health FSA & Commuter Benefit?
No, if you are enrolled in any other Paylocity-administered benefits utilizing the Paylocity benefits Card, your funds are loaded onto the same card. When you make a transaction, the card will pull funds from the appropriate balance upon the MCC Code of the merchant.
Can I use the commuter account for my spouse’s commuter expenses or parking/transit expenses I incur outside of my commute?
No. The CBA may only be used for your work-related commuter expenses. You cannot use the CBA to pay for general travel expenses, even if they are business-related.
Medical:
How do I find in-network healthcare providers and facilities?
You can log on to Cigna’s website (Cigna.com) and select “Find a Doctor”. The website will navigate you to a new window which will ask how you are covered. Please select “Employer or School”. Then enter in your Zip code and you may search by these three categories. Doctor by Type, Doctor by name or Health Facilities. The medical plans offered are CIGNA OAP
Dental:
Is the Max Annual per person or per household?
The benefit maximum is per covered person.
Which plan covers Child Orthodontia?
Our Cigna PPO Premium plan offers child orthodontic coverage up to the age 19 for dependent children. Cigna pays 50% up to $1,600 per lifetime or covered period under Cigna.
How do I find an in-network dentist in my area?
You can find an in-network provider by going to hcpdirectory.cigna.com and entering you address, city or state. Clicking on general dentist and logging into your MyCigna account. From here you will want to select one of the dental plan options available and it will provide you with a list of in-network providers.
Vision:
Does our vision insurance cover frames and contact lenses?
Yes, Cigna vision insurance provides an allowance for frames and contact lenses. You are provided with a $150 allowance for frames every two years. As well a $150 allowance for contact lenses every year.
Are there waiting periods for specific vision services or treatments?
No.
How do I find an in-network doctor?
There are three ways to find a quality eye doctor in your area: 1. Log into myCigna.com, under ”Coverage”, select Vision page. Click on Visit Cigna Vision. Then select “Find a Cigna Vision Network Eye Care Professional” to search the Cigna Vision – serviced by Eye Med Directory. 2. Don’t have access to myCigna.com? Go to Cigna.com, top of the page select “Find A Doctor, Dentist or Facility”, click on Cigna Vision serviced by EyeMed Directory, from the Additional Directories drop down listing. 3. Prefer the phone? Call the toll-free number found on your Cigna insurance card and talk with a Cigna Vision customer service representative.
401k:
Who is USI Consulting Group?
USI Consulting Group is a national consulting firm that has specialized in employee benefits planning and administration for over 30 years. They are one of the largest benefits consulting organizations in the country, servicing over 1,000 plans and more than one million total employees. Their Direct Solutions® program is a comprehensive retirement platform which combines the essential tools and services to help you manage your retirement account.
Please see the Denbright Match Communication found on the 401K page.