As a newly hired benefits eligible employee, or if you are newly eligible for benefits, you will have 31 days from your date of eligibility to enroll in Citi Benefits. Enrolling in Citi health and welfare benefits is not mandatory. The individual penalty for not having health coverage under the Affordable Care Act is no longer applicable; however, certain states impose such a penalty for not having health coverage. You must enroll during your initial enrollment period for benefits (except core benefits), including medical, dental and vision coverage. You must also enroll to participate in a Health Care Spending Account (HCSA), Limited Purpose Health Care Spending Account (LPSA), Dependent Day Care Spending Account (DCSA) or the Transportation Reimbursement Incentive Program (TRIP). You are not required to enroll in TRIP during Annual Enrollment; you can enroll at any time. If you do not enroll, you will have the core benefits, described in "Benefits Overview."