How to Enroll or Change Your Benefits

STARTING THE PROCESS TO ENROLL IN BENEFITS

  • You will receive a task notification in your Workday inbox when it is time to complete your benefits enrollment.
  • You can review information about the plans by clicking multifamily.mybenefitport.com.
  • When you are ready, go back to Workday and click on the Inbox Worklet on the home screen, or if during Open Enrollment, click on the Open Enrollment announcement.
  • In your inbox, the task will appear on the left-hand side — titled Benefit Change – Hire or Open Enrollment Change. Select this task.
  • Your Benefits will be broken down into three sections:
    • Health care and Accounts (i.e., Medical, Dental, Vision, FSAs and HSAs)
    • Insurances (i.e., Basic Life and Voluntary Life)
    • Additional Benefits (i.e., LifePlan)

You get to select any benefit you would like to enroll in or change by clicking on Manage or Enroll.

  • The Update Your Information screen will appear if you did not enter your dependents’ Social Security Number (SSN) when you added them to Workday. You will be asked to either update your dependent SSN or provide a reason and then click Save.

HEALTH CARE AND ACCOUNTS

  • The first screen displays the health care plans and Spending or Saving Accounts for which you are eligible.
  • Select the plan in which you wish to enroll.
  • Select the applicable level of coverage that you would like to be applied to the plan selected (e.g., Employee Only, Employee + Spouse/Domestic Partner, Employee + Child(ren), or Family then Confirm and Continue.
  • Add any eligible dependents that you wish to enroll in the plan by checking the box next to the dependent. If you do not have existing dependents already listed in Workday, you will need to select Add New Dependent and enter the required information for each dependent (marked with a red asterisk). Note: If you wish to nominate your dependent as a beneficiary of your life insurance, select Yes when asked this question.
  • Workday will display the cost of each plan as you select your preferences.
  • Note: If you will be enrolling a spouse or domestic partner, you have the option to waive the spousal surcharge on this screen and complete the spousal surcharge affidavit once you complete your enrollment.
  • If you are enrolling in the medical plan you must also elect the following two benefits:
    •  Wellness Premium Incentive-Vitality Credit
    •  The Vision plan named Vision US-EyeMed Premier with Medical
  • Once you have completed each of your Health Care and Account elections, click Save and you may move on to any benefit in either the Insurance or Additional Benefits groups.
  • For Flexible Spending Account and Dependent Care Flexible Accounts, you will need to enroll to ensure you have coverage during Open Enrollment. Select the amount you want to contribute per paycheck or per year up to the IRS contribution limit, and then click Save.

    Note: for the Health Savings Account (HSA), you may only enroll in this plan if you are enrolled in the High-Deductible Health Plan (HDHP).

INSURANCE ELECTIONS

  • You may elect additional Voluntary Life insurance or Accidental Death and Dismemberment (AD&D) coverage (company-paid benefits, such as Basic Life, Basic AD&D and disability coverage will default to Elect).
  • To enroll in a voluntary insurance plan, select the Manage or Enroll button and choose your coverage level from the dropdown menu.
  • Choose Plan Available then Confirm and Continue.
  • Choose Coverage and then Select Your Beneficiaries. You can choose Primary, Secondary or a combination of both. Each section must total 100%. Then click Save.
  • Note: Some plans may be subject to Evidence of Insurability and/or prerequisites (e.g., Voluntary Spouse Life — U.S. — UNUM (Dependent) is limited to 50% of total coverage in Voluntary Life — U.S. — UNUM (Employee) and Employee coverage must first be selected).

BENEFICIARIES

  • You are required to enter beneficiary information for all Life insurance and AD&D plans.
  • Click the plus symbol next to the plan, then select a beneficiary from the dropdown menu. If the beneficiary or Trust is not already listed in Workday, you will need to select Add New Beneficiary or Trust and enter the required information before assigning him or her to a plan (if applicable).
  • Specify whether the beneficiary is Primary or Contingent and the percentage that you wish to assign to him or her. Note: You may nominate multiple Primary and Contingent beneficiaries for one plan, but the minimum requirement is one Primary beneficiary at 100%.
  • Once you have enrolled in your preferred Voluntary Insurance plans and entered your beneficiaries, click Confirm and Continue.

ADDITIONAL BENEFIT ELECTIONS

Brookfield offers additional insurance and programs for the benefit of our employees:

  • To enroll in Long-Term Care, use the step-by-step instructions provided in this link: http://www.myltcguide.com/technologyservicesgroup. Note, you may be required to submit additional information if this is not your first opportunity to enroll.
  • LifePlan benefits provide tax, insurance and financial advice.
  • The remaining benefits plans are automatically included in your benefits package.
  • Once you have enrolled in all of your benefits click Review and Sign.

VIEW SUMMARY

  • On this page, you will be provided with a summary of the benefits you have elected as well as any Evidence of Insurability requirements, if applicable.
  • Once comfortable with all of your benefits selections click Review and Sign.
  • Read and agree to the Electronic Signature.
  • If you would like to make changes prior to submitting, you can click on the Previous button.
  • Click Review and Submit to finalize your enrollment.

SUBMIT ELECTIONS CONFIRMATION

  • View and Print a copy of your benefits elections by clicking on the link on the next page. 
  • Click Done to complete the process.
  • You can view or change your elections as many times as you like during the Open Enrollment period by either clicking on the Open Enrollment Announcement or Change Open Enrollment elections under Benefits on the Home Screen.

EVIDENCE OF INSURABILITY AND SPOUSAL SURCHARGE FORMS — ACTION REQUIRED

  • If you applied for an amount of Life insurance that requires Evidence of Insurability, you will receive a task in your Workday inbox. Once you have completed the required steps, click Submit on the task.
  • If you have enrolled your spouse in a medical plan for the first time, you may be required to complete a Spousal Surcharge Affidavit to verify your spouse’s employment status and access to medical coverage through his/her own employer. You will receive a task in your Workday inbox relating to this. Once you have completed the required steps on the forms and have provided it to the Benefits Department, click Submit on the task.
  • If you have enrolled any new dependents, you will be asked to provide documentation to verify those dependents. You will receive a task in your Workday inbox relating to this. Once you have completed and submitted the required documentation to the Benefits Department, click Submit on the task.

REMOVING DEPENDENTS FROM COVERAGE

  • In certain situations such as Qualifying Life Event Changes, you may be eligible to remove a dependent from coverage under the Plan. The following document will be required, as applicable:
  • Divorce: Divorce decree
  • Legal separation: Court document specifying date of legal separation
  • Termination of domestic partnership:
    • If registered with a state entity, a formal dissolution
  • Dependent change of status of coverage from prior employer: Proof or letter from other employer or insurance provider validating change (for example, spouse new hire eligibility to allow for employee to drop benefits, spouse lost employment to allow for employee to add benefits, etc.)

REQUIRED DOCUMENTATION FOR DEPENDENTS

Please note that employees are required to submit the following documentation to verify dependents being added.

Spouse
To verify your spouse, the below items will be required:

  • Government-issued marriage certificate, spousal waiver form (if applicable) and one of the following:
    • Joint lease, mortgage or deed
    • Joint tax return showing spouse (Social Security and other numbers should be blacked out)
    • Joint utility bill
    • Joint banking account or credit account (account numbers should be blacked out)

Domestic Partner
To verify a domestic partnership, the below items will
be required:

  • If registered with a state or local entity, a domestic partner certificate from a state or local government agency; or other similar government-issued evidence recognizing the relationship
  • If not registered by the state, and to register with Brookfield, please provide the spousal waiver form (if applicable) and three of items from the list below:
    • Designation of the domestic partner as beneficiary for the employee’s life insurance or retirement benefits
    • Joint lease, mortgage or deed
    • Joint tax return showing spouse (Social Security and other numbers should be blacked out)
    • Joint utility bill
    • Joint ownership of vehicle
    • Joint ownership of a checking account or credit account
    • Joint banking account or credit account  (account numbers should be blacked out)
    • Shared household expenses

Child
To verify dependent children, one of the below items will be required:

  • Birth
    • Birth Certificate with parent’s name listed (within 90 days of birth)
    • Birth-Hospital Birth Record (within 90 days of birth)
  • Adoption: Adoption Certificate or Adoption Placement Agreement
  • Legal guardian: Court documentation of Legal Custody/Guardianship
  • Support order: Qualified Medical Child Support Order
  • Legal Authorization: Court Order ordering child to be covered on insurance
  • Disabled dependent: Physician’s certificate or Medicare card or Proof of Dependent (above) and, if age 26 or older, tax return showing that child is claimed as a dependent

 

DOMESTIC PARTNER BENEFITS

Medical, dental and vision benefits are offered to domestic partners. In general, domestic partners:

  • Have registered as Domestic Partners under state law (where applicable)

 

 

OR

 

 

 

To register with Brookfield you must meet the below criteria and provide three of the requested information:

  • Are at least 18 years of age, are not related in a way that would prohibit marriage in any state of operation, and are not married to or legally separated from anyone else;
  • Are competent to enter into contract at the time the domestic partnership statement is completed;
  • Have an exclusive mutual commitment to share responsibility for each other’s welfare and financial obligations which has existed for at least 6 months prior to the enrollment;
  • Are each other’s sole domestic partner and have not had another domestic partner in the past 6 months;
  • Have shared a permanent residence for at least the past 6 months.

Children of domestic partners are eligible for benefits under the same conditions as children of an employee’s legal spouse. An employee may terminate a domestic partnership by notifying the HR Service Desk in writing of the termination of the domestic partnership within 30 days of its termination. (The same guideline exists for married couples who divorce.)

The employee must then wait 6 months from the date of the notice before registering another domestic partnership, except in any of the following cases:

  • Where the employee has registered a domestic partnership under state law, where applicable;
  • Where the employee is registering the same domestic partnership within 30 days’ notification of the termination of that domestic partnership;
  • Where the employee’s former domestic partnership was dissolved through the death of the employee’s domestic partner.

Under federal tax law, if your (non-spouse) domestic partner does not qualify as your tax dependent for health coverage purposes, then you will be unable to pay for your domestic partner’s coverage on a pre-tax basis under the cafeteria plan.

Although coverage is also available for children of an eligible employee’s domestic partner under Brookfield’s group health plan, a domestic partner’s child is unlikely to qualify as an employee’s tax dependent for health coverage purposes. Thus, the value of such coverage generally must be included in gross income. You should contact the HR Service Desk if you believe your domestic partner’s child may qualify as your tax dependent for health coverage purposes. You will also be unable to claim expenses for your domestic partner under the Health Care FSA.

Certain taxing authorities may consider company payments for domestic partner benefits to be taxable income, so employees should determine whether the taxes they would pay for the domestic partner benefits, if any, are more costly than buying health insurance independently. The company will treat the value of the benefits provided to the employee’s domestic partner as required under federal, state and local law.

Disabled Dependent: Physician’s certificate or Medicare card or Proof of Dependent (above) and, if age 26 or older, tax return showing that child is claimed as a dependent.

CONTACT THE BENEFITS DEPARTMENT FOR INFORMATION AND REGISTRATION

An employee who wishes to receive domestic partner benefits must contact the HR Service Desk for information and registration (Benefits@Brookfield.com).

After successful registration, the HR Service Desk will acknowledge the partnership as of the qualifying event date. Enrollment of domestic partners and eligible dependent children is subject to the same rules as enrollment of other dependents.

IMPUTED INCOME

Under current IRS rules, the value of the contribution Brookfield makes toward the cost of medical coverage provided to certain family members who are not your tax dependents may be considered imputed income that is subject to federal income taxes, FICA (Social Security and Medicare) and any other required payroll taxes. In some cases, you may also have imputed income for California state income tax purposes.

Final approval of coverage for a domestic partner will rest with the insurer underwriting the benefits at the time of application. Continuation of coverage under COBRA will be offered to domestic partners in accordance with federal, state or local statutes.