for 2024 Benefits:
Nov. 13 to Dec. 8, 2023
Open Enrollment is your once-a-year opportunity to:
Enroll in or change benefits: Open enrollment is your opportunity to enroll your spouse and/or eligible children in your healthcare plans. After open enrollment, you can only change your benefits if you have a qualified status change, such as birth or marriage.
Enroll (or re-enroll) in the Health Care FSA and Dependent Care FSA: Your Flexible Spending Account (FSA) contributions expire every year on Dec. 31. If you wish to continue contributing, you must re-enroll during open enrollment.
Enroll (or re-enroll) in the long-term disability (LTD) buy-up option. During open enrollment, you can enroll in the LTD buy-up, which pays 66 2/3% of your eligible earnings to a maximum of $7,500 per month, or $90,000 per year. Is this benefit for you? See Consider enrolling (or re-enrolling) in the LTD buy-up below to learn more.
Because the LTD buy-up benefit and premium are changing, any current LTD buy-up coverage will be canceled, and you will need to re-enroll during open enrollment if you want the LTD buy-up in 2024. Otherwise, you will be enrolled in the core LTD plan by default.
What's New for 2024
No healthcare benefit changes. All medical, prescription, vision and dental premiums and benefits are staying the same — no cost increases!
We have a new life and AD&D insurance and short- and long-term disability (STD/LTD) insurance company (The Hartford), and this change means:
You have a one-time opportunity to get up to $250,000 of supplemental life insurance — no questions asked!
During this year’s open enrollment only, you may purchase up to the guaranteed issue of supplemental life insurance for yourself and your spouse/domestic partner without evidence of insurability.
Evidence of insurability (EOI) means you must complete a health questionnaire (or possibly a health exam) and receive insurance company approval to be covered.
The guaranteed issue is the maximum amount of insurance you can get without EOI.
• Employee: Up to 4x your salary (not to exceed $250,000)
• Spouse/domestic partner: $30,000
If you enroll yourself or your spouse/domestic partner at any other time, or if you want more than the guaranteed issue in coverage, EOI is required.
You can now purchase supplemental life insurance coverage for your spouse/ domestic partner and children without enrolling in supplemental life for yourself
You can purchase coverage for a domestic partner if the two of you meet requirements to register as domestic partners in Washington State, and if you submit a notarized domestic partnership affidavit to the District.
Get up to $10,000 of child supplemental life insurance:
• One premium covers all children up to age 26 (previously to age 23)
• EOI is not required for child(ren) life insurance
Consider enrolling (or re-enrolling) in the LTD buy-up
Our new LTD insurance company, The Hartford, offers a higher maximum LTD payment than the current benefit. The new optional LTD buy-up still provides a 66 2/3% of base pay benefit, but will cover up to $90,000 of lost income (66 2/3% of $150,000 in annualized pay) — an increase of $30,000 per year. This means it’s a good benefit for more of our employees than the current LTD benefit. The LTD buy-up costs $35.92 per month.
If you don't enroll in the LTD buy-up during open enrollment, you will be enrolled in core LTD coverage by default. Core LTD benefits pay 60% of your eligible earnings, to a maximum of $5,000 per month, or $60,000 per year. Core LTD costs $19.50 per month.
Employees pay for LTD benefits to avoid having to pay income taxes on benefits received.
Remember: if you're currently enrolled in the LTD buy-up and want to keep this coverage for 2024, you must
re-enroll during open enrollment.
How to Enroll and Make Benefit Changes Online
Find the PeopleSoft enrollment site confusing? This video gives you step-by-step instructions.