What You Need to Do to Enroll

Last Updated January 25, 2024

Newly hired? Enroll before the deadline specified in your enrollment kit.

6 Steps to Enroll for New Hires

1. Take action/enroll before the deadline specified in your enrollment kit.

You must take action, even if you don’t want coverage. Otherwise, default coverage will be assigned.

2. Read the enrollment materials.

Refer to the enrollment website to see the coverage options available to you.

3. Get personalized help from Emma.

On the enrollment website, use the Ask Emma feature to view your plan rates, compare your options, and help you choose the plan that’s right for you and your family.

4. Make your benefit elections.

Even if you don’t want coverage, you must go online or call to elect “No Coverage.”

  • Enroll online.
  • If you don’t have online access, enroll by phone at 1-877-RRD-4BEN (1-877-773-4236), Monday – Friday, 7 a.m. – 7 p.m. CT.
  • You may enroll eligible dependents. You must provide a Social Security number (SSN) for each dependent and enter their name exactly as it appears on their Social Security card.
  • If you add a dependent, check the box on the enrollment website for each of the programs (e.g., medical, dental, vision) in which you wish to enroll the dependent. Simply adding a dependent does NOT enroll them in coverage.

5. Certify your tobacco status.

On the enrollment website, you must certify whether you and each of your covered dependents are “Tobacco Users.” If you are not a Tobacco User, or if you complete five coaching sessions in 2024, you will receive a premium discount for the Medical, Optional Employee Life, and Optional Spouse/Partner Life plans.

To answer “No” to the Tobacco User question on the enrollment website, you must certify that you (or your dependent) have not used any of the following during the past 12 months: tobacco products (including cigarettes, pipe tobacco, cigars, chewing tobacco, tobacco snuff and hookah tobacco) and/or tobacco-derived or non-Food and Drug Administration (FDA)-approved nicotine-based products (like e-cigarettes, nicotine gels and dissolvables).

You may still answer “No” to the Tobacco User question if you use the following aids to quit tobacco/nicotine: over-the-counter FDA-approved nicotine replacement products (skin patches, chewing gum and lozenges) and/or prescription drugs (Chantix, Zyban or Nicotrol).

Each Tobacco User who does not complete five coaching sessions in 2024 will pay an annual medical premium surcharge of $500 per adult and $250 per child (added to your medical premium) up to the following maximums:

  • Employee Only or Spouse/Domestic Partner Only: $500
  • Employee + Spouse/Domestic Partner: $1,000
  • Dependent Child(ren) Only: $250
  • Employee + Child(ren) or Spouse/Domestic Partner + Child(ren): $750
  • Family (Employee + Spouse/Domestic Partner + Child(ren)): $1,250

Optional Life premium rates for Tobacco Users are available on the enrollment website.

You (and/or each of your enrolled dependents) who indicate “Yes” for Tobacco User status may qualify for the non-Tobacco User premium discounts by completing five coaching sessions during the plan year. If the individual completes five coaching sessions by December 31, 2024, you will be refunded the tobacco medical plan surcharge for that individual. If you are enrolled in the Optional Life plans, those premium rates will be adjusted prospectively to reflect the non-tobacco premium discount effective on the first of the month following completion of five coaching sessions.

6. Confirm your elections.

After enrolling, review your confirmation statement and verify that your elections, covered dependents and per-pay-period costs are correct. Print and keep a copy for your record. If you need to make changes or corrections, call the RRD Benefits Center.

If You Don’t Enroll

You must take action, even if you don’t want coverage. If you don’t take action before the deadline indicated on your personalized New Hire Enrollment Worksheet, you will be assigned the following coverage:

Medical HSA Value for you only. Premiums will be charged at the higher rate for tobacco users.
Health Savings Account (HSA) Your HSA contribution will be $0, but you can elect to contribute during the year.
Basic Employee Life Insurance One times your annual base pay, up to $250,000. (See the SPD — and any related SMM — for Program details, including annual reductions for active employees age 65 and older.)
Short-Term Disability Weekly benefit of 50% of your pre-disability earnings for up to 26 weeks if you are an hourly employee, or 100% of your pre-disability earnings for the first three weeks and 50% for up to 23 additional weeks if you are a salaried employee. (See the SPD — and any related SMM — for details.).
Long-Term Disability Monthly benefit amount of 50% of your earnings, up to $10,000 a month. (See the SPD — and any related SMM — for details.)