Citi Benefits Handbook
Live Well Rewards
For the 2023 plan year, you can earn Live Well Rewards for activities such as exercising and participating in a health screening. You can even earn Rewards if you are not enrolled in a Citi medical plan, and your spouse/partner can earn them too. The Live Well at Citi Program can help you feel better and even spend less on health care in the long run.
 
Healthy Activity
Your Reward
Who Can Participate
Take action to save on your health plan premiums in 2023
Live Well Health Assessment
Take the Live Well Health Assessment between October 1 and November 14, 2022
Earn a $100 discount off your annual health plan premiums
OR
Employees can earn $100 in gift cards if not enrolled in a Citi medical, dental or vision plan
Benefits eligible Citi employees; spouses/partners* who are enrolled in a Citi medical plan
Tobacco Free Attestation
Complete the Tobacco Free Attestation on Your Benefits Resources™ (YBR™), available through My Total Compensation and Benefits at www.totalcomponline.com, or complete the Live Well Tobacco Cessation Program in 2023
You'll see the attestation during your enrollment flow when you enroll in your benefits.
Avoid the $600 penalty per person (if enrolled in Citi medical coverage) if you are tobacco-free
Only Citi employees and spouses/partners who are enrolled in Citi medical coverage are subject to the tobacco penalty
Complete Healthy Activities in 2023 to earn gift card Rewards throughout the year
Live Well Healthy Activities
Every step toward a healthier you counts! Earn Rewards if you:
  • Track your exercise
  • Get a health screening
  • Complete an online Journey or digital coaching program
  • And more!
You'll accumulate Virgin Pulse Points to unlock four levels of rewards—worth $70 each quarter—up to $280 a year! Plus, look for opportunities to earn and improve your health when you participate in the Global Community Day Reimagined and more! In total, you'll be able to earn over $600 in Live Well Rewards in 2023.
All Citi employees and spouses/partners who are enrolled in a Citi medical plan
More Opportunities to Earn Rewards
  • Register for Included Health and get a second opinion
  • Register for telehealth and complete one session
  • Take advantage of LiveWell Chronic Managed Care Programs
  • And more!
Selected employees and spouses/partners enrolled in a Citi medical plan administered by Aetna or Anthem BlueCross BlueShield
* "Spouse/partner" includes legal spouse (regardless of gender, gender identity or expression), domestic partner and civil union partner.
After you take the Health Assessment, start completing Healthy Activities to earn Rewards.
All Citi employees, regardless of whether they are enrolled in a Citi medical plan and spouses/partners who are enrolled in a Citi medical plan can participate in healthy activities to accumulate Live Well Rewards points.
By completing healthy activities each quarter, you'll accumulate Virgin Pulse Points to unlock four levels of rewards—worth $70 each quarter—up to $280 a year! Plus, look out for instant opportunities to earn and improve your health when you participate in Global Community Day Reimagined, complete a health screening and more! Look for "How to Earn" under the Home tab on web or click Rewards and `Learn how to Earn More Points' on mobile for a complete list.
Each quarter, you can earn:
 
Level 1
Level 2
Level 3
Level 4
 
Pulse Points
1,000 points
5,000 points
12,000 points
20,000 points
Total Reward for the quarter ("Q"):
Live Well Reward
$10
$15
$20
$25
$70
Maximum Live Well Rewards earned by unlocking levels per year can be $280 ($70 X 4 quarters) plus any instant awards available throughout the year.
Example:
  • If you reach Level 3 (12,000 points) in Q1, you will earn $45 in rewards (Level 1 = $10 + Level 2 = $15 + Level 3 = $20).
  • At the end of Q1, your points will reset and you will begin Q2 with 0 points.
  • If you reach Level 4 (20,000 points) in Q2 you will earn $70 in rewards (Level 1 = $10 + Level 2 = $15 + Level 3 = $20 + Level 4 = $25) on top of the $45 you earned in Q1.
Remember you can earn up to $70 in rewards each quarter – that's a maximum of $280 in rewards each year for unlocking levels.
Important Things to Note
  • You can receive health plan premium discounts for completing your Live Well Health Assessment. If you are not enrolled in a Citi medical plan, you can earn $100 in gift cards by completing the Live Well Health Assessment.
  • You can also earn gift card Rewards throughout the year for completing activities and earning points Choose from a wide selection of gift cards to many popular retailers as well as the option to donate your Live Well Rewards to a number of different charities. Gift cards are considered taxable income. To compensate for the tax, Citi will "gross up" or issue payments approximating any tax you'll pay.
  • You are eligible for the Health Assessment Reward if you were transferred from a Citi International Business or newly hired before October 1, 2022. You will see the Reward displayed on YBR™ within 48 hours.
  • Participants must comply with these deadlines to receive Rewards or avoid the tobacco penalty. (If you are enrolling your spouse/partner in Citi Benefits for the first time in 2023, your spouse/partner can earn a Live Well Reward of $100 by completing the Health Assessment by November 15, 2022.)
  • If you use tobacco products, you will stop paying the penalty once you complete the Live Well Tobacco Cessation Program through Virgin Pulse, either with a tobacco-cessation health coach or online through one of the tobacco-cessation-focused Journeys. The penalty will be removed as soon as administratively possible. You will receive a full refund of all penalty payments once the program is completed. In order to have your 2023 tobacco penalty payments stopped and receive your $600 refund, you must complete the Tobacco Cessation Program either by working with a health coach or by completing a tobacco-cessation-focused Journey by September 30, 2023.
  • Based on your responses to the Live Well Health Assessment, you will be invited to participate in specific Journeys® digital coaching tools. Alternatively, you may call Virgin Pulse at 1 (855) 814-5595 and request to participate in these programs.
  • If you leave Citi, your Live Well Rewards will be forfeited unless redeemed prior to leaving.
To learn more about Live Well Rewards, log on to the Virgin Pulse platform or call 1 (855) 814-5595.