Did you start employment with Dell after September 6, 2014? If so, you may be thinking you only need to enroll in your Dell benefits once for both 2014 and 2015. Because you’re joining Dell late in the year, you’ll need to first enroll in your 2014 benefits, and then enroll in your 2015 benefits. Read the following information carefully to learn how this works.
Enroll for 2014Five to seven days after your start date, you’ll receive a welcome email from Your Benefits Resources. You have 31 calendar days from that date to enroll in 2014 benefits. Coverage is effective as of your start date through 11:59 p.m. CT, December 31, 2014. Learn more.
Enroll for 2015
2015 benefits coverage goes into effect from midnight January 1, 2015, through 11:59 p.m. CT on December 31, 2015. You will not be able to make changes to your 2015 benefits coverage unless you experience a qualified status change and report it within 31 days, or you become ineligible to participate.
Why enroll in both years?
If you enroll in a 2014 medical plan and don’t enroll in a 2015 plan
Your 2015 coverage will depend on whether or not your medical plan will be available for 2015.
If you enroll in the PPO 1300 for 2014 and don’t re-enroll for 2015: You’ll automatically be enrolled in the Health Fund beginning January 1, 2015. However, if you’re defaulted into the Health Fund in this way, a Health Savings Account (HSA) will not automatically be opened for you, which means you won’t be able to make contributions through payroll deductions and you’ll miss out on Dell’s contribution. You will need to enroll through Your Benefits Resources™ (YBR) to open your HSA and to take advantage of Dell’s contribution.
If you elect the PPO 600 (or a Dell medical plan based on your location) for 2014 and don’t re-enroll for 2015: You'll be automatically enrolled in the same medical plan option as you have today but at the 2015 rates.
Keep in mind: You’ll need to actively enroll in the FSAs each year, and up to $500 of your 2014 Health Care FSA balance will roll over to your 2015 Health Care FSA.
Changes throughout the year
Once you're enrolled, no changes can be made to your health benefit plans (including FSAs) during a calendar year unless you experience a qualified status change (QSC). Examples include marriage, divorce, birth or adoption of a child, moving, dependent gaining or losing coverage in another plan.
You have 31 calendar days to make applicable changes. Learn more about changing benefits during the year.