If you want to enroll in Citi coverage; drop Citi coverage; change to a different medical, dental or vision option; enroll in a spending account; or change your coverage category — for example from single to family or vice versa — you must do so during your Annual Enrollment period. Outside of Annual Enrollment, generally you can only make changes to your coverage if you have a qualified change in status, such as getting married. Benefit changes must be made within 31 days of the qualified change in status. See "Changing Your Coverage" for more information.

If you previously enrolled in coverage and do not enroll during a subsequent Annual Enrollment period, you will be assigned the same coverage for the following year, or, if that coverage is no longer available, to comparable medical, dental and/or vision coverage.

If you do not complete the Tobacco Free Attestation on Your Benefits Resources™, available through My Total Compensation and Benefits at www.totalcomponline.com, before your enrollment deadline, you will pay a $600 penalty on your Citi medical plan coverage.

You must enroll each year to have coverage.

You must enroll in the High Deductible Plan with HSA option under the medical plan to be potentially eligible to establish an HSA. To satisfy all the requirements to be eligible to establish an HSA, you must accept the Terms and Conditions of the program and satisfy Citi's policies and procedures required to establish an HSA to complete your enrollment. To receive the full Citi contribution ($500 individual; up to $1,000 all other coverage) to your HSA, all requirements must be met by the end of the year (as of December 31) prior to the coverage becoming effective in the following year. If in a previous plan year, you elected coverage under the High Deductible Plan with HSA option, and established an HSA, and you do not elect an annual contribution amount during annual enrollment, you will only receive Citi's contribution; no additional contributions will be made to your HSA.

You can enroll each year during Annual Enrollment (or as a new hire) to have coverage. Midyear changes are permitted under the plan if you have a Qualified Status Change that allows you to change other Citi benefits.

Once you are enrolled, your participation will continue as long as you remain eligible, unless you elect to drop coverage during a subsequent Annual Enrollment period.

If your benefits eligible pay, for benefits purposes, increases to $200,000 or above in connection with benefits coverage that will be effective on January 1 of any subsequent plan year, you'll be ineligible for company-paid Basic Life/Basic AD&D coverage. However, if you have not previously elected the maximum coverage under GUL insurance, during Annual Enrollment you'll have the opportunity to enroll in or increase your GUL insurance equal to one times your benefits eligible pay, not to exceed $500,000, without providing evidence of insurability.

If you become ineligible for Basic Life and Basic AD&D coverage due to an increase in your benefits eligible pay, you may continue your Basic Life and AD&D coverage without providing evidence of insurability within 31 days of receipt of the loss of coverage notice.

If, as a newly hired employee, your benefits eligible pay exceeds $50,000.99, you will be automatically enrolled in LTD coverage with an option to decline coverage, described below. If your benefits eligible pay, for benefits purposes, increases above $50,000.99 in any plan year, you will be automatically enrolled in LTD coverage for the following year during Annual Enrollment with payroll deductions beginning January 1. (Evidence of insurability will not be required at this time.)

If you do not want LTD coverage, you may choose "no coverage" when you make your elections during Annual Enrollment (or enroll as a new hire). However, if you do not make an election, you will be automatically enrolled in LTD coverage. You may elect to retroactively decline coverage for up to 90 days after January 1 (or 90 days after enrollment as a new hire), and receive a refund of premiums paid. You may elect to decline coverage after the initial 90-day period passes; however, you will not receive a premium refund.

Company-paid LTD coverage is available only to eligible employees whose benefits eligible pay is less than or equal to $50,000.99.

You can enroll each year during Annual Enrollment (or as a new hire) to have coverage. Midyear changes are not permitted under the plan, even if you have a Qualified Status Change that allows you to change other Citi benefits.

Once you are enrolled, your participation will continue as long as you remain eligible, unless you elect to drop coverage during a subsequent Annual Enrollment period.