October 16–27, 2023
Open Enrollment is your opportunity to make changes to your coverage for 2024, sign up for new benefits and elect your Flexible Spending Account (FSA) and Health Savings Account (HSA). The benefits you elect will go into effect January 1, 2024.
Introducing Mobile Health
Brookfield is introducing the Mobile Health Consumer app as your one-stop shop for all things benefits and wellbeing (replacing LiveWell). Mobile Health will also be the new home of the Brookfield Wellbeing Incentive Program (replacing Vitality), featuring new challenges and rewards plus personalized content based on your individual goals and benefits.
The Mobile Health Consumer app launches October 1 as your new Benefits LiveWell portal, and the new Wellbeing Program launches January 1. Download the app or log on to mobilehealthconsumer.com to review your current coverage as you get ready for Open Enrollment, October 16–27.
Review your 2024 What’s Changing newsletter and Benefits Guide for more information about your 2024 benefits options, including updated rates.
If you have any questions on the enrollment process or your benefits in general, contact the Benefits team at Benefits@brookfield.com or 833-980-1179.
Brookfield is committed to supporting your personal health and wellbeing. Our comprehensive benefits program is designed to meet both your individual and family needs.
Live Well in 2023
Please carefully read this site to better understand how Brookfield can support all dimensions of your total wellbeing through the benefits we offer you and your family. The information contained here will help you select 2023 benefits for you and your family and serve as a useful reference throughout the year.
Mind
We have designed our program to empower you and increase your peace of mind, with benefits like insurance for the unexpected, mental health programs and advocacy services to support you and your family to reduce stress.
Body
Physical health is central to your wellbeing. We’re proud to offer affordable, high-quality health and wellness benefits for you and your family.
Financial
Our benefits can help shield you from unexpected expenses, save you money as you go and help you build up a nest egg for the future.
Eligibility
EMPLOYEES
Unless otherwise indicated, the benefits program covers regular “full-time” employees. Full time, as defined for purposes of benefits plan eligibility, is a standard work week of at least 30 hours. Part-time, interns, contract and temporary employees are not eligible for benefits other than those mandated by federal, state or local statute. Union employees have benefits as provided by their union’s collective bargaining agreement.
WHEN COVERAGE BEGINS
If you are a new hire or newly benefits-eligible employee,
coverage for you and your eligible, enrolled dependents begins on the first day of your employment, or benefits eligibility date, except where otherwise noted.
DEPENDENTS
If you are an eligible employee, you may enroll the following dependents:
- Your spouse
- Same- and opposite-sex domestic partners
- Child under the age of 26: Coverage for adult children can be continued until the end of the month of the child’s 26th birthday
- “Children” includes your natural child, a legally adopted child, a stepchild and/or a child for whom you are the proposed adoptive parent and who is dependent upon you during the waiting period prior to the adoption period
- Children of domestic partners are eligible for benefits under the same conditions as children of employee’s legal spouse (See “Domestic Partner Benefits” for additional information and requirements)
- Your children need not be financially dependent upon you for support or claimed as a dependent on your tax return, a resident of your household, enrolled as a student or unmarried
- Incapacitated child: Coverage for your child who is incapable of self-sustaining employment by reason of mental illness, developmental disability or physical handicap may be continued after reaching age 26 upon approval by the insurance company. The child must have been incapacitated prior to attaining age 26 and remain in such condition after reaching that age. Proof of your child’s incapacity must be submitted to the insurance company within 30 days of the child attaining age 26. The final decision for children under this provision rests with Aetna
Dependents who lose eligibility due to reaching age 26 may elect to continue their coverage under the federal Consolidated Omnibus Budget Reconciliation Act (COBRA). COBRA allows the insured and family to maintain coverage for up to 18 months (36 months for certain events, such as divorce or the death of the employee) after losing group coverage. For more information, see “Continuation Coverage Rights Under COBRA” in these notices.
New Hires
NEW HIRE ENROLLMENT
As a new employee, or newly benefits-eligible employee, you must enroll within 30 days of your eligibility date (i.e., date of hire or the effective date of a job change). If you fail to enroll within that period, you’ll have to wait until the next Annual Benefits Open Enrollment Period for your medical, prescription, vision, dental and Voluntary Life Insurance coverage.
When enrolling dependents, employees are required to submit appropriate documentation for all dependents being added to the plans. This documentation must be provided within 30 days of enrollment. If it is not provided within 30 days of enrollment, the dependent will be removed from coverage. If there are any changes in relationship or status of dependents in the future, additional documentation will be required. See this page for a list of required documentation.
A Qualifying Life Event Change is defined by the Internal Revenue Service as:
- Change in your legal marital status (i.e., marriage, legal separation, divorce or death of your spouse)
- Birth of a child or date you adopt a child or placement for adoption
- Death or loss of eligibility of a dependent
- Change in employment status (for employee, spouse or employee’s dependent) that affects eligibility for health insurance benefits
Any benefit changes resulting from a Qualified Life Event must be requested by the employee within 30 days of the Event via WorkDay.
Open Enrollment is typically held in the fall of each year for coverage effective January 1 of the following year. For detailed information on how to enroll and all required documentation, see How to Enroll.
New Hires
Brookfield reserves the right at any time, with or without advance notice, to change, modify or eliminate plans or benefits within the benefits program. Plan participants will be notified in accordance with the terms of the plans and applicable law. In the event of a discrepancy between the benefits outlined in this guide and the Plan documents or insurance contracts, the Plan documents and insurance contracts will govern. Any questions regarding employee benefits can be directed to the HR Associate Services group. Social Security, Workers’ Compensation, statutory disability benefits and unemployment insurance cover employees in the manner prescribed by law. For additional information about these benefits, please contact the HR Associate Services group.
Click here to access Aetna’s machine-readable file in compliance with the Transparency in Coverage rule. This link is intended for third party technology developers, not plan participants, as it is written in computer code, not English. The site does not contain any benefit details or member personal health information.