Open Enrollment is your opportunity to review your benefits, get to know the plans and resources available to you, make or change your plan elections, add or drop dependents for the upcoming year, and enroll in an FSA or HSA.
Selections made during Open Enrollment will be effective January 1, 2027. You can make changes in Workday from October 13 through November 6.
Employee Additional Life Insurance - Special Open Enrollment
Guaranteed Issued Opportunity
During this year’s Open Enrollment, employees will have another opportunity to enroll in or increase their Employee Additional Life Insurance coverage up to a maximum of $1,000,000.
Employees may elect up to $350,000 Guaranteed Issue in total coverage without providing medical evidence or Evidence of Insurability (EOI). Any coverage elected or increased above the $350,000 guaranteed issue amount, up to the $1,000,000 maximum, will be subject to medical review and underwriting by The Standard.
What Does Guaranteed Issue Mean?
Employees who currently have less than $350,000 in Employee Additional Life Insurance coverage may take advantage of this special Open Enrollment opportunity to enroll in or increase their coverage up to $350,000 without providing medical evidence or Evidence of Insurability (EOI).
The following guaranteed issue amounts are available:
- Employee Additional Life: Up to $350,000 in total coverage without medical evidence.
- Spouse Additional Life: Up to $50,000 in total coverage without medical evidence.
- Dependent Additional Life: Up to $10,000 in total coverage without medical evidence.
Exceptions
The guaranteed issue opportunity does not apply to:
- Employees or dependents who were previously declined coverage by The Standard.
- Employees who already have Additional Life Insurance coverage at or above the applicable guaranteed issue amount.
Please note: Evidence of Insurability (EOI) or medical review is still required for any coverage elected or increased above the guaranteed issue amount.
Please review your current coverage and consider whether this special Open Enrollment opportunity may be right for you.
Visit the Standard's Additional Life Options for more information about your coverage offerings.
Open Enrollment is a great time to explore the additional programs, tools, and services available through your County benefits.
As you review your benefit options for the upcoming year, take a few minutes to learn about the additional resources available to support your health, well-being, and financial goals throughout the year.
Value Added Services
Use the Value Added Services Flyer to explore resources offered through your benefits carriers and learn how to access them. Reviewing these services during Open Enrollment can help you better understand the full range of resources available to you.
Behavioral Health Resources
The Behavioral Health Resource Flyer brings County and health plan resources together in one place so you can identify available support and learn how to access services.
Financial Wellness Resources
The Financial Wellness Flyer highlights County benefits, tools, and resources that can help you manage your finances, plan for the future, and strengthen your financial well-being.
The Remotiv Financial Wellness Platform gives you tools to manage everyday money matters, set financial goals, track your retirement readiness, and access budgeting and savings tips. You will also receive your annual Retirement Readiness Report to help you better understand your progress and build financial confidence.
If you are not already enrolled, you can still access the platform through the Remotiv chicklet in Okta. We encourage you to enroll in this NO-COST benefit during Open Enrollment so you can receive a personalized Financial Wellness Assessment Report in 2027.
If you wish to continue your Flexible Health or Dependent Care Spending Account (FSA) or Health Savings Account (HSA), you must elect an annual amount during each Open Enrollment as this amount will not rollover from the previous plan year.
- The maximum amount you may contribute to a Healthcare Flexible Spending Account for the 2027 plan year is $3,400.
- The maximum amount you may contribute to a Dependent Day Care Flexible Spending Account for the 2027 plan year is is $7,500.
- The maximum amount you may contribute to a Health Savings Account (HSA) for the 2027 plan year is $4,500 for individual and $9,000 for family coverage. Age 55 an older can contribute an additional $1,000 per year.
Benefit and Wellness partners will be hosting 30-minute presentations and Q&A sessions throughout Open Enrollment to help you learn more about your benefits, plan options, and the additional programs and resources available through your County coverage.
These sessions are a great opportunity to learn about value-added services you may not know about, get answers to your benefit questions directly from the carriers, and join wellness activities.
The schedule along with more information about these sessions will be available at:
- 2027 Employee Benefits Guide
- 2027 Limited Term Employee Benefits Guide
- 2027 Extra Help Employees Benefits Guide
- 2027 Active Rate Sheets AFSCME, SEIU, Attorneys, Confidential, Management, CNA, OSL, PDA, UAPD, SMCCE, DSA
- 2027 Rates for Courts
- 2027 Active Rate Sheets All Other County Employees