What You Need to Know

Each fall you have the opportunity to review your current benefits elections and make changes for the coming year. It’s important to take a moment to reconnect with what’s important to you and to evaluate how your situation may have changed since last year. Make sure your coverage fits your and your family’s needs and puts you in the best position possible. Be sure to consider any upcoming life events or anticipated healthcare needs that might affect your benefits decisions.

Annual Enrollment

Annual Enrollment is your once-a-year opportunity to review and change your benefits elections for the coming year. Any changes you make are effective on January 1 of the following year. You will not have another opportunity to change your elections during the year unless you have a qualified life event.

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What’s Changing for 2023?

If you enrolled during 2023 Annual Enrollment, it's important to understand the changes starting January 1, 2023. See the 2023 Benefits Highlights Brochure for more information.

Dental plan enhancements

There will be enhancements to the Delta Dental DPPO plan:

  • The plan will increase its coverage for major restorative services, including prosthodontics, from 50% to 60% after you meet the deductible.
  • The plan will add benefits for TMJ treatment. TMJ will be covered at 50% after you meet the deductible.

Increased HSA contribution maximum

The IRS will limit the maximum amount you can contribute pre-tax to a Health Savings Account (HSA) in 2023 to $3,850 for individual coverage ($200 increase from 2022) and $7,750 for family coverage ($450 increase from 2022). If you’re age 55 or older in 2023, you can make an additional $1,000 pre-tax catch-up contribution.

Increased Health Care FSA contribution maximum

The Health Care FSA maximum contribution will increase to $2,850 ($100 increase from 2022). The Dependent Care FSA maximum contribution is not changing for 2023.

Note: As has been the case in previous years, the government requires all companies sponsoring Dependent Care FSAs to conduct periodic tests to ensure the plan does not favor Highly Compensated Employees (HCEs) with respect to eligibility and benefits. If a plan fails one of these tests, HCEs may be required to reduce their contributions to the Dependent Care FSA. If you are impacted, you will be notified when testing is completed (typically by the end of the second quarter) and your Dependent Care FSA contribution will automatically be reduced.

Increased Transportation Spending Account contribution maximum

The maximum monthly pre-tax contributions to the Transportation Spending Account will increase in 2023:

  • $280 for commuting expenses ($10 increase from 2022)
  • $280 for parking expenses ($10 increase from 2022)

To change your current contribution, or to enroll as a new user, visit wageworks.com. All changes must be made by the fourth day of the month prior to the month you want the change to go into effect. For example, if you want to increase your January contribution, you must request the change no later than December 4.

New dependent life insurance coverage options

There will be additional dependent life insurance coverage options for your dependent child(ren) in 2023:

2022 Options 2023 Options
  • $10,000 ($500 for children under 14 days; $250 for children under 6 months)
  • $5,000
  • $10,000
  • $15,000

The reduction in life insurance coverage for children under 6 months and children under 14 days no longer applies.

Note: There is no change to the life insurance coverage options for your spouse or domestic partner. You may elect up to $150,000 coverage, in $10,000 increments. However, evidence of insurability (EOI) will be required if you:

  • Increase coverage for your spouse/domestic partner to any amount over $50,000
  • Increase coverage for your spouse/domestic partner by more than $10,000, up to $50,000

Reminder: If your spouse/domestic partner or dependent child is employed by or eligible for retiree life insurance through a Bertelsmann company, they cannot also be covered under the spouse/domestic partner or dependent child life insurance options.

2023 Per-Paycheck Deductions

Your benefits help protect you and your family from the high cost of health care. While we work hard to keep your costs as low as possible, certain medical per-paycheck deductions may change in 2023 in response to nationwide health care inflation.

There are no changes to what you pay for your other benefits in 2023, unless changes to your annual salary or age affect your per-paycheck deduction, where applicable. Use the Payroll Deduction Cost Calculator to model your 2023 per-paycheck deductions.

Medical plan payroll deductions

Your 2023 payroll deductions are determined by your base salary as of October 1, 2022 (or your starting salary if hired after October 1) and the plan and level of coverage you choose.

Payroll deductions are based on the following salary tiers:

  • $0–$34,999
  • $35,000–$59,999
  • $60,000+

There are three levels of coverage, depending on how many dependents you cover:

  • Employee only
  • Employee + 1 dependent
  • Employee + 2 or more dependents

For 2023, medical deductions will increase slightly. Use the Payroll Deduction Cost Calculator to determine your actual payroll deduction, or review payroll deductions when you enroll.

Annual dental plan payroll deductions

There are no changes to dental per-paycheck deductions for 2023

Delta Dental DPPO

Coverage level Base annual salary:  
< $35,000
Base annual salary: $35,000 or more
Employee only $68.95 $138.97
Employee + 1 dependent $137.90 $275.79
Employee + 2 or more dependents $280.10 $486.95

Delta Dental DHMO

Coverage level Base annual salary:  
< $35,000
Base annual salary: $35,000 or more
Employee only $32.80 $65.64
Employee + 1 dependent $53.57 $107.16
Employee + 2 or more dependents $125.46 $217.84

Annual vision plan payroll deductions

There are no changes to vision per-paycheck deductions for 2023.

Coverage level VSP
Employee only $0.00
Employee + 1 dependent $152.19
Employee + 2 or more dependents $241.32

Employee life insurance payroll deductions

If you select 1.5 times your annual earnings, up to $50,000 of coverage, you pay $0 in payroll deductions. If you select supplemental life insurance (up to seven times your annual base salary in $10,000 increments, to a maximum of $300,000), your payroll deductions are determined by the amount of coverage you select and your age. Depending on your election, evidence of insurability may be required.

Use the Payroll Deduction Cost Calculator to determine your actual payroll deduction, or review payroll deductions when you enroll.

Dependent life insurance payroll deductions

Coverage option Monthly payroll deduction

Spouse/Domestic Partner

  • $10,000
  • $20,000
  • $30,000
  • $40,000
  • $50,000
  • $60,000
  • $70,000
  • $80,000
  • $90,000
  • $100,000
  • $110,000
  • $120,000
  • $130,000
  • $140,000
  • $150,000
$0.26 per $1,000 of coverage

Child

  • $5,000
  • $10,000
  • $15,000
$0.20 per $1,000 of coverage

 

Group accident insurance

Coverage level Annual payroll deduction
Employee only $100.88
Employee + spouse/ domestic partner $152.62
Employee + child(ren) $199.94
Employee + family $255.84

 

Group hospital indemnity insurance

Coverage level Annual payroll deduction
Employee only $297.44
Employee + spouse/ domestic partner $458.64
Employee + child(ren) $601.12
Employee + family $761.28

 

Group critical illness insurance

For every $15,000 of group critical illness insurance, you’ll pay the following annual premium:

Age* Employee only Employee + spouse/ domestic partner Employee + child(ren) Employee + spouse/ child(ren)
<25 $23.40 $50.70 $70.20 $93.60
25–29 $27.30 $58.50 $70.20 $101.40
30–34 $50.70 $101.40 $93.60 $144.30
35–39 $78.00 $163.80 $120.90 $206.70
40–44 $132.60 $273.00 $175.50 $315.90
45–49 $210.60 $436.80 $253.50 $479.70
50–54 $315.90 $659.10 $358.80 $702.00
55–59 $448.50 $947.70 $491.40 $990.60
60–64 $663.00 $1,407.90 $705.90 $1,450.80
65–69 $1,014.00 $2,152.80 $1,056.90 $2,195.70
70+ $1,563.90 $3,295.50 $1,606.80 $3,334.50
* Your premium is based on your age (in whole years) at the end of the preceding calendar year.

MetLife Legal Plan

If you elect to participate in the MetLife Legal Plan, you will pay $226.20 per year in payroll deductions.

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