Citi Benefits Handbook
For Employees
You are considered an eligible U.S. Citi employee for health and welfare benefits if:
  • You work in any U.S. entity in which Citigroup Inc. owns at least an 80% interest. U.S. employees of Global Consumer Banking, Institutional Clients Group, Corporate Center or one of their participating employers participate in the Plan as well as certain other employees of affiliated companies as described in the Plan. For a complete list of all the participating employers, please contact the Citi Benefits Center.
  • You are an active:
    • Full-time employee (regularly scheduled to work 40 or more hours a week);or
    • Part-time employee (regularly scheduled to work at least 20 or more hours a week); and
    • You receive regular biweekly or monthly pay; and
  • You are employed by a participating employer.
Note: If you are hired as a temporary employee and work for at least 90 days, and you satisfy the definition of a part-time or full-time employee noted above, you become benefits eligible on the date you have been employed 90 days without regard for the temporary classification.
A "participating employer" is Citigroup Inc. and any subsidiary in which Citi owns at least an 80% interest. For purposes of determining whether you are an eligible employee under the Plans, you are an "active" employee if you are working for your employer doing all the material and substantial duties of your occupation at your usual place of business or some other location that your employer's business requires you to be or absent from work solely due to vacation days, holiday, or scheduled days off.
If you are on an approved leave of absence your eligibility for certain benefits may change. Refer to the "Continuing coverage" section within this document for additional details.
If Both You and Your Spouse/Partner are Citi Employees
If both you and your spouse/partner are employed by Citi and are benefits eligible, each of you can enroll individually or one of you can enroll and claim the other as a dependent. You cannot enroll in Citi's Plan as an individual and be claimed as your spouse's/partner's dependent.
Plan
Applicable rules
Medical, dental, and vision
Each of you may be covered under the medical, dental, and vision plans as either an employee or a dependent but not as both. Either of you may cover your children, but they cannot be covered by both of you.
Health Care Spending Account (HCSA)
Each of you, as a Citi employee, may contribute to an HCSA but you may not file more than once for reimbursement of the same eligible expense. However, your partner and his/her eligible child(ren) are eligible only if they are considered your tax "dependents" within the meaning of Section 152 of the Internal Revenue Code (the "Code") as determined without regard to subsections (b)(1), (b)(2), and (d)(1)(B) thereof.
Limited Purpose Health Care Spending Account (LPSA)
If either of you enrolls in the Citi High Deductible Health Plan (HDHP), either of you may contribute to a LPSA but you may not file more than once for reimbursement of the same eligible expense. You may use this account to be reimbursed only for dental, vision, or preventive medical care expenses that are not already covered by the plan. Neither of you can enroll in the HCSA. Your partner and his/her eligible child(ren) are eligible only if they are considered your tax "dependents" within the meaning of Section 152 of the Code, as determined without regard to subsections (b)(1), (b)(2), and (d)(1)(B) thereof.
Health Savings Account (HSA)
The maximum amount that can be contributed to an HSA for the 2017 calendar year is $3,400 for individual and $6,750 for family coverage. This does not mean that both family members can contribute $6,750 each, it is a combined contribution amount. Citi makes up to a $500 annual contribution for individual coverage and up to a $1,000 annual contribution for employees with family coverage. Citi's contribution to your HSA counts toward your annual contribution maximum. If you are age 55 or older, you can make an additional catch-up contribution of up to $1,000.
Dependent Day Care Spending Account (DCSA)
Either of you may contribute to a DCSA but you may not file more than once for reimbursement of the same eligible expense. You and your spouse/partner cannot contribute more than $5,000 per year to a DCSA combined. Your partner and his/her eligible child(ren) are eligible only if they are considered your tax "dependents" within the meaning of Section 152 of the Code as determined without regard to subsections (b)(1), (b)(2), and (d)(1)(B) thereof. If your partner's children are not your tax dependents, as noted above, your partner, as a Citi employee, can contribute to his/her own DCSA.
Transportation Reimbursement Incentive Program (TRIP)
Spouses/partners, as Citi employees, must enroll in TRIP on their own behalf.
Group Universal Life (GUL)
Each of you may be covered under the GUL plan as either an employee or a dependent, but not as both. Either of you may cover your children, but they cannot be covered by both of you.
Supplemental Accidental Death and Dismemberment (AD&D)
Each of you may be covered under the Supplemental AD&D plan as either an employee or a dependent, but not as both. Either of you may cover your children, but they cannot be covered by both of you.
Live Well at Citi Program
Health Assessment Reward: All employees can earn the $150 Live Well Reward for the Health Assessment. If your spouse/partner is also a Citi employee, he/she can earn the $150 Reward as well. If your spouse/partner is not a Citi employee, he/she can only earn the $150 Reward if he/she is enrolled in a Citi medical plan. If both you and your spouse/partner are Citi employees and you are not enrolled in a Citi medical plan, you both will receive your Live Well Rewards in the form of a gift card. If both you and your spouse/ partner are Citi employees who are enrolled in the Citi medical plan and both complete the Health Assessment, the $300 premium discount will be applied to the employee who has medical coverage for the couple, if applicable. If you both elect individual coverage, the premium discount of $150 will be applied to each individual's coverage
Tobacco Penalty: The tobacco penalty is applied per adult with medical coverage per year, regardless of whether both adults work for Citi or not.
Be Well Program
You and your dependents are covered under this program.