Losing a Loved One

The passing of a spouse, domestic partnerDomestic PartnerYour domestic partner is someone you have a committed, intimate relationship with, shares your primary residence, and is at least 18 years old. or dependent is a qualifying life event — which means you have 30 days to enroll in or update your benefits.

If an immediate family member passes away and they were covered under Caliber’s medical, dental and/or vision plans:

• You'll need to remove them from your medical, dental or vision coverage within 30 days.
• You might want to review and update your HSA or FSA contribution.

If your spouse, domestic partner or child was covered under Caliber’s life insurance and/or Accidental Death & Dismemberment (AD&D) policy, you can contact New York Life or call 1-888-842-4462 to begin the claims process when you feel ready.

Be sure to update your beneficiaries for:

• Life Insurance and Accidental Death and Dismemberment (AD&D) Insurance — submit through the Benefits Enrollment Center.
• Health Savings Account (if you’re enrolled in an HDHP Plan) — submit directly with HSA Bank.
• 401(k) Retirement Plan — submit directly with Empower.

You may need to update your personal information in Workday, like your emergency contact information. Finally, you may also want to review your tax filing status and make any applicable changes to your W-4 in Workday.

When you lose someone you love, you may need or want some time away from work. You may have time away options, including bereavement, available vacation time and unpaid leave of absence.

Losing a family member or a friend is a difficult, uncertain moment — and you have support. Reach out to the Employee Assistance Program (EAP) to access free and confidential resources, grief counseling or support groups, and connect with a licensed clinician (you get 5 free sessions per issue per year).

If you've lost a family member who was a Caliber teammate:

• Contact the Benefits Team by calling the Caliber Benefits Center at 1-844-347-8941 or sending an email to benefitsgroup@calibercollision.com about the loss so they can provide support and next steps.
• Obtain copies of the death certificate.
• Gather important documents (beneficiaryBeneficiaryA beneficiary is the person who'd receive money from your plan if you pass away. You can name one person or several, and you can also decide how to split it up. information, insurance policies, etc.).
• Ask about available survivor benefits and support resources.

If an immediate family member passes away who works for Caliber, and you or your dependents were covered under their medical, dental or vision plans, you’ll be provided the opportunity to continue your medical coverage through COBRA continuation. A letter on how to enroll in COBRA will be sent to you, and any other dependents, through the US Mail.

Contact the Benefits Team by calling the Caliber Benefits Center at 1-844-347-8941 to understand your coverage, review available continuation options, and learn about important enrollment deadlines.

You’ll want to understand financial benefits you may be eligible for, including:

• Life Insurance and AD&D benefits — contact New York Life or call 1-888-842-4462 to learn about beneficiaryBeneficiaryA beneficiary is the person who'd receive money from your plan if you pass away. You can name one person or several, and you can also decide how to split it up. benefits and how to start a claimClaimA bill submitted by a healthcare provider or by you to an insurance company to request payment for medical services or treatments received..
• 401(k) — you can understand retirement account beneficiary options through Empower. You can also call 1-844-411-4015.
• Tax-Advantaged Accounts (HSA and FSAs) — contact HSA Bank or call 1-800-357-6246 to learn about beneficiary options and next steps.

You don’t have to navigate this loss alone. Our Employee Assistance Program (EAP) offers resources that may help you and your family cope with grief, manage practical matters, and access emotional, financial, and legal support during a challenging time.