Annual Enrollment is October 23, 2025 through November 6, 2025 for 2026 benefits!

Watch the annual enrollment webinar

The 2026 annual enrollment webinar is a valuable resource to help you make smart choices about your benefits.

Your enrollment checklist — let’s make it easy!

To help you get the most out of your benefits, here’s a quick and friendly guide to walk you through your enrollment steps. Just a heads-up: there are two separate sites you’ll use to complete everything.

1. Explore your options and understand your costs*
   Take a moment to review your current elections — medical, dental, vision, healthcare and dependent care FSAs, HSA contributions, basic life insurance, long-term disability taxability, and your life insurance beneficiary.
   👉Head to HRConnect via OKTA on SegalNet. You must be connected to Versa if you are not in a Segal office. Click on Me, then Benefits to get started.
2. Review your supplemental coverage
   Thinking about updating your supplemental life or AD&D insurance? Don’t forget to check coverage for your spouse and dependents, too. You can also review your supplemental long-term disability needs and beneficiary designations.
   👉 Visit thehartford.com/benefits/enroll to log in or register and make any updates. You’ll also see your 2026 costs there.
3. Wrap it all up by November 6, 2025
   Make sure your elections are submitted through HRConnect and The Hartford, including any FSA updates.

*Employees with HRA balances will see a $39 decrease in their accounts. If you still have an HRA balance as of January 1, 2026, it will be reduced by the annual account administration fee of $39. Each subsequent January 1, HRA account balances again will be reduced by the annual administration fee, so you should continue to spend down your account.

Want to save money in 2026?

The Health Care and Dependent Care Flexible Spending Accounts (FSAs) are a good way to save money by paying pre-tax for qualified expenses. The 2026 benefits microsite has a useful chart that shows you which FSAs you are eligible for based on your medical plan election. If you want to contribute to a Health Care and/or Dependent Care Flexible Spending Account in 2026, you must make an election during the annual enrollment period — your 2025 elections will not carry over automatically.

What happens if you don’t enroll?

You must enroll if:

• You want to make any changes to your coverage
• You want to participate in a health care and/or dependent care FSA for 2026
• You want to change your HSA contribution as of the beginning of the year
• You currently waive medical coverage, and you want to continue to waive medical coverage in 2026
• If you have duplicate dependents listed in HRConnect and want to eliminate the duplicate records. Please do so by following the instructions for deleting duplicate dependents.
• If you want an electronic beneficiary designation (rather than paper record) for your basic group life insurance.

If you are not affected by the above, you do not need to take any action to update your benefit elections. However, you must still review your:

• Elections in HRConnect and The Hartford during and after annual enrollment and keep a record of them (print to paper or to a file)
• Paycheck contributions for the 1^st payroll of 2026.

Ensure they are all correct. Report any discrepancies to Janet Arce and Winnie Tang no later than January 31, 2026.

Reminder: Important notices posted on SegalNet

You can find these required notices on the Tools and Resources page

• Your Prescription Drug Coverage and Medicare Creditable Coverage notice. This notice was emailed to you on October 1, 2025.
• Women’s Health and Cancer Rights Act notice
• Newborns’ and Mothers’ Health Protection Act
• Premium Assistance Under Medicaid and the Children’s Health Insurance Program