Newly Eligible for Benefits

There are certain things that make you eligible to enroll in or update your Caliber coverage, including:

• Being a new hire
• A change in your job that makes you eligible
• Losing coverage elsewhere
• Turning 26
• Having a child who is turning 26 and currently enrolled in your Caliber benefits

You have 30 days to enroll in or update coverage.

New hires

If you’re eligible, you’ll receive a Workday notification to enroll in benefits once you’re hired and within 72 hours after your I-9 paperwork is completed. It’s important to know that if you’re a new hire, you can’t enroll in benefits until we receive your I-9 paperwork!

You can also enroll your 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., and:

• Child(ren) and the child(ren) of a covered spouse or domestic partner (up to age 26)
• Children with disabilities who became disabled on or before age 26

For a new domestic partnership, complete the Affidavit of Domestic Partnership and send it to the Benefits Enrollment Center.

Turning 26 years old

Turning 26 is considered a qualifying life event. You have 30 days after turning 26 to enroll or make changes to your benefits.

You can stay on your parent’s plan until you’re 26 under the Affordable Care Act, but know this:

• Some plans end the day you turn 26.
• Others extend coverage through the end of your birth month.
• And some go through the end of the calendar year.

Be sure to call or check your coverage plan rules now, so you don’t accidentally have a gap in coverage.

Learn everything you need to know about your Caliber benefits on this site. Explore your options for:

• Medical
• Prescription Drug
• Dental
• Vision
• Tax-Advantaged Accounts (like Flexible Spending Accounts and Health Savings Accounts)
• 401(k)
• Disability
• Life and AD&D
• Hospital Indemnity
• Critical Illness
• Accident Insurance
• Commuter Account
• Legal Plan
• Pet Insurance
• Identity Protection

There are several other benefits to check out that don’t require you to enroll, like virtual physical therapy, virtual care and healthcare concierge, but you must be enrolled in a Caliber medical plan to use them.

Discounts and perks and the Employee Assistance Program don’t require you to be enrolled in other Caliber benefits, but you'll need to create an account to use them.

Choose the plans you want, like medical, dental or vision coverage, and any other benefits you want to elect.

Having trouble deciding which medical plan is right for you? Ask Benny can help you understand your options better.

The Caliber Benefits Enrollment Center website guides you through the benefits enrollment process every step of the way. If you have questions or need assistance, call 844-347-8941 — representatives are available to help you Monday through Friday, from 7 a.m. to 7 p.m. CT. If English isn’t your first language, specialists can assist in several languages.

Important: If you don’t enroll within 30 days, you’ll only receive company-paid benefits. That means you won’t have coverage in the medical, dental or vision plan. It also means you’ll need to wait until the next Open Enrollment or a qualifying life event to choose your benefits.

You’re automatically enrolled in the 401(k) account after 30 days of employment at a 2% pre-tax contribution amount, unless you opt out or elect a different amount. You can update your contributions or opt out any time by visiting Empower.

Don’t leave free money on the table!

When setting up how much you’ll contribute, keep in mind that Caliber matches 50% of your contributions, up to 6% (that’s a total match of 3%) on pre-tax and/or Roth contributions (up to IRS maximums). That means if you contribute 6%, Caliber contributes an additional 3%, so maximize your savings by contributing at least 6% to get the full Caliber match.

You must provide documentation when you add a dependent to confirm their eligibility. Accepted documents include things like a marriage certificate, birth certificate or adoption decree.

If you don’t provide valid documentation within the allotted timeframe, your dependent will be removed from coverage.

You need to choose beneficiaries for each of your plans:

• 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 medical plan) — submit directly with HSA Bank, once you enroll.
• 401(k) Retirement Plan — submit directly with Empower, once you register.

Once you enroll, download the carrier apps to your mobile phone so you can easily manage your benefits.

And while you’re at it, make this website a tile on the home screen of your phone or a favorite in your web browser so you can access it quickly.

On an iPhone (Safari):

• Open the website in Safari.
• Tap the three-dot menu (⋮) next to the URL.
• Tap the Share button (square with an arrow pointing up).
• Scroll down and tap Add to Home Screen (you may need to click "View More").
• Tap Add.

On an Android phone (Chrome):

• Open the website in Chrome.
• Tap the three-dot menu (⋮) in the top-right corner.
• Tap Add to Home screen (or Install app if available).
• Confirm by tapping Add.

In a web browser (desktop):

• Open the website.
• Click the star icon in the address bar (or press Ctrl+D on Windows / ⌘+D on Mac).
• Choose where to save the bookmark and click Done.