2023 Open Enrollment

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2023 Benefits Open Enrollment

The Annual Open Enrollment Period is November 1 - November 18, 2022.

Take time during Open Enrollment to review your personal information, the benefits being offered by Carnegie, and the plans you are enrolled in, to determine if you would like to make any changes. Carnegie continues to provide a robust offering of general and elective benefits available to our eligible employees. We are constantly looking for ways to improve those offerings to ensure we remain competitive and you have a variety of options to choose from.

To learn more about the benefits available to your and your family, please take the time to review the 2023 Open Enrollment Guide.

If you are on J1 Visa holder and an J1 Visa Exchange Program participant sponsored by Carnegie, we encourage you to learn more about the benefits available to you and your family by reviewing your 2023 J1 Exchange Visitor Open Enrollment Guide.

 

2023 Open Enrollment Virtual Benefit Information Sessions

Miss one of the information sessions? Don't worry---go to the "Open Enrollment Resources" section in the blue box below. The sessions have been recorded and are available to view during the entire Open Enrollment period. 

 

What's New?

Healthcare Benefit Rates Have Changed!

You can expect to see a slight increase in the medical benefit rates for the 2023 benefit plan year. View 2023 rates here.  Once again, rates for Dental and Vision healthcare coverages remain the same for the  2023 plan year.

The Standard is our new Life, Accident, Disability and Critical Care Insurance carrier

Effective January 1, 2023, The Standard will manage Carnegie's Group and Voluntary Life Insurance, AD&D and Critical, and Long-Term Disability Insurance options. This replaces those coverages previously provided by Guardian Insurance.

All employer paid insurance, i.e., Life, AD&D and LTD will roll over from Guardian to The Standard. If you have elected voluntary life insurance for your spouse or dependents, this coverage will also roll over from Guardian to The Standard. 

For This Open Enrollment Period Only: The Standard will allow employees to elect up to the  guaranteed issue of $200,000 for their Voluntary Life Insurance with no medical underwriting. This 2023 Open Enrollment period will be the only time you will be able to take advantage of this waiver.

Important: Please review your current primary and/or contingent beneficiary information, including percentages, in Dayforce. You can review by clicking on the Benefits, Current Elections, and scrolling down to the Life & Disability section. If your beneficiary information needs to be updated, you will need to do so by actively enrolling during Open Enrollment. 

2023 Open Enrollment is a Passive Enrollment...Unless you have FSA/HSA Accounts or Need to Update Your Beneficiary Information

2023 Open Enrollment will be a passive enrollment. What this means:

  • If you have NO changes to make to your benefit elections, you do not need to take any action. Your current elections will roll over for 2023.
  • If you have a spending account (FSA Health & FSA Dependent Care), or HSA account then this will be an active enrollment and you must re-enroll for all of your 2023 coverages. Annual re-enrollment is a federal requirement, even if you do not have any changes to your medical, dental or vision elections--even if the contribution amount is the same.
  • If you update your Life, AD&D and/or LTD beneficiaries, this will be an active enrollment. You must re-enroll for all of your 2023 coverages. 

As always, Open Enrollment is your opportunity to elect new benefits, drop and/or modify your current benefit elections. This includes, but is not limited to:

  • Adding or removing eligible dependents
  • Changing medical or dental plan options
  • Enrolling in health or dependent care savings accounts
  • Updating your beneficiaries

IMPORTANT!

If you log into the Open Enrollment section in Dayforce and actively click on ANY of the available benefits, your enrollment will no longer be passive. You will then have to actively update ALL of your benefit elections for 2023
 

Logging into Ceridian Dayforce 

Open Enrollment will once again be conducted online. Login to your Ceridian Dayforce account to elect benefit coverage for the 2023 plan year. 

As always, the Open Enrollment period is your opportunity to elect new benefits, drop and/or modify your current benefit elections.  This includes, but is not limited to:

  • Adding or removing eligible dependents
  • Changing medical or dental plan options
  • Enrolling in health or dependent care savings accounts
  • Adding or updating life insurance elections
  • Enrolling or dropping elective benefits such as LifeLock, MetLaw, Accident Insurance and more

Any changes you make to your benefits during Open Enrollment will take effect on January 1, 2023.

Additional General Healthcare Offerings

We have several general healthcare resources available to benefit eligible employees for the 2023 plan year. In addition to services such as Health Advocate and Teledoc, we've offer a number of award-winning services with your well-being in mind:

  • TalkSpace. Accessible 24/7, allows users access to professional, personal and confidential online therapy with a series of three (3) prepaid sessions.
  • BurnAlong. Provides you with access to fitness and health & wellness programs ranging form one week to 60 days. Partners with local gyms, studios, instructors and wellness professionals.
  • GreenSpring Financial Services. Advisors can help you create a financial roadmap to chart the best route to achieve your financial goals. You'll have on-demand access to a team of Certified Financial Planners and online resources including access to 200+ videos, webinars and articles.
  • UNUM Short-Term Disability. A benefit that provides income protection in the event of illness or serious injury. This employee paid, elective benefit is available to eligible regular employees.

Carnegie provided resources through our Employee Assistance Program or EAP, managed by Optum. The Optum EAP offers confidential support for managing the stressors in your life--workplace concerns, anxiety & depression, parenting and family needs, sleep issues, substance abuse...and more. 

What If I Don't Want to Change My Current Benefit Coverage?

If you do not have any changes to make to your benefit elections, your current elections will be rolled over for 2023.

Remember, there are certain benefits that federal regulation require employees to enroll each year. If you have a Health Savings Account (HSA), a Flexible Spending Account (FSA), or a Dependent Care (DCFSA), you must enroll in these accounts annually per IRS requirements. Prior year FSA and HSA spending account elections, will not rollover.

Please note: If you log into the Open Enrollment section in Dayforce and actively click on ANY of the available benefits, your enrollment will no longer be passive. You will then have to actively update ALL of your benefit elections for 2023

 

When Will I Get My New Medical, Dental or Vision ID Card?

  • You will only receive a new Aetna medical ID if you are enrolling in a plan for the first time. Register on the Aetna website and you can print your card from there.
  • If you are J1 Visa holder, you will only receive a new Cigna ID card if you are enrolling in the plan for the first time. Register on the Cigna website and you can print your card from there. Your Cigna ID card also serves as your pharmacy ID card. You will not receive a separate pharmacy card for your prescriptions. Please keep your Cigna ID card with you at all times.
  • All Aetna medical plan enrollees will receive an Express Scripts (pharmacy) ID card. Like your medical plan card, this ID card should be kept with you at all times.
  • Delta Dental and EyeMed do not mail out ID cards for the dental and vision plans. At the time of service, you will provide the plan provider name and your identifying information (date of birth and social security number) to your service provider and they will locate your plan. You will be able to print a card from the provider website if necessary.
  • If you need medical attention before receiving your medical provider ID card, contact hr@carnegiescience.edu for plan assistance.

 

How To Enroll

Follow these steps to enroll in your 2023 Carnegie benefits:

1. Read the Benefits Open Enrollment Guide and Understand the Changes. 

The 2023 Open Enrollment Guide contains important information about changes for 2023, as well as your existing benefits. Take a look at the 2023 Rate Sheet to review your 2023 plan options and costs and make use of the education and benefit plan enrollment resources on this website. 

 

2. Decide If You Need to Enroll

  • This year, Open Enrollment will be a passive enrollment. What does this mean? If you do not have any changes to make to your benefit elections, your current medical, vision, dental benefit coverage elections will rollover from 2022 to 2023.  (Note: this does not include your FSA or HSA elections. Current 2022 contribution amounts will not rollover).
  • If you are making changes to your existing medical, dental, and/or vision benefit coverage, you must login to Dayforce beginning November 1st to make your elections.
  • If you are updating your Life, AD&D, and/or LTD insurance beneficiary information, you must login to Dayforce to make your elections.
  • If you have a Health Care FSA, Dependent Care FSA or HSA, you must actively enroll annually, per IRS regulations. 

Please note: If you log into the Open Enrollment section in Dayforce and actively click on ANY of the available benefits, your enrollment will no longer be passive. You will then have to actively update ALL of your benefit elections for 2023

3. Verify Dependents and Beneficiaries

The Standard is replacing Guardian as Carnegie's group Life, AD&D, LTD, Accident and Critical Illness insurance provider. You will need to confirm your current beneficiary information during Open Enrollment. Take time to verify that your enrolled dependents are still eligible for coverage and to review your primary and/or contingent beneficiary designations.

If you are enrolled with Aetna or Cigna, please note that we require Dependent Verification for any NEW dependents added to your coverage for 2023.

  • For all NEW dependents added to your coverage, you have 25 days to submit dependent verification information through Dayforce:
    • Login to Dayforce and Select "Forms"
    • Complete the Life Event Declaration form

  If you currently have existing covered dependents that have previously been verified, then no action on your part is required.

4. Enroll

Follow these steps to enroll in your 2023 Carnegie benefits in Dayforce:

  • Login to Ceridian Dayforce
  • Go to the Benefits menu and click on Start Enrollment
  • Read the annual open enrollment statement and then click Next.
  • Complete your Profile Forms (Dependents, Beneficiaries, etc.).
  • Review, compare and select your benefits. (The "Help Me Decide" feature is available to help identify the lowest cost and best value medical plan)
  • Follow the instructions to enroll in the plans you choose.
  • Review the summary of your elections and your deductions for 2023.
  • Confirm your benefit selections and click on Submit Enrollment.
  • Print the summary as confirmation.

Click here to view the Ceridian Open Enrollment How to Elect Benefits Guide.

As you proceed with making your Open Enrollment elections, it is very important that you read the instructions set forth on each of the Open enrollment pages in Dayforce as each page contains information with regards to enrollment / changes to benefits.