Citi Benefits Handbook
Site Map
- Eligibility and Participation
- Benefits Overview
- Eligibility
- For Employees
- When You Are Not Eligible to Enroll
- No Pre-Existing Condition Limitations
- For Dependents
- For Domestic Partners
- HMO Eligibility
- Other Coverage
- Enrollment
- Coverage Categories
- As a New Hire or Newly Eligible for Benefits
- Dependent Verification
- If You Do Not Enroll
- During Annual Enrollment
- After You Enroll or Default
- Naming a Beneficiary
- Your Contributions
- Benefits Eligible Pay and Your Benefits
- Partner Benefits
- When You Can Enroll Your Partner
- Cost of Partner Benefits
- If You Terminate Partner Coverage
- If You and Your Partner Marry
- Changing Your Coverage
- Qualified Changes in Status
- How to Report a Qualified Change in Status Event
- Coverage Changes You Can Make at Any Time
- When Coverage Begins
- When Coverage Ends
- Coverage When You Retire
- A Note for Employees Who Were Involuntarily Terminated
- Coverage if You Become Disabled
- Coverage for Surviving Spouse/Partner and/or Dependents
- Continuing Coverage
- During a Family and Medical Leave Act (FMLA) Leave
- Continuing Coverage during a Military Leave of Absence - Citi Policy
- COBRA
- Coordination of Benefits
- How Coordination of Benefits Works
- In Case of Divorce or Legal Separation
- Coordination with Medicare
- No-fault Automobile Insurance
- Facility of Payment
- Right of Recovery
- Release of Information
- Cross-Plan Offsets
- How to File a Claim
- Medical
- Your Medical Options
- Overview of Your Medical Options
- Medical Plan Administrators
- Using Your Medical Plan
- Precertification/Notification
- In-Network Only Plan
- In-Network Only Plan at a Glance
- How the In-Network Only Plan Works
- Paying Your Bill at Your In-Network Doctor’s Office
- Finding In-Network Providers
- Mental Health/Substance Abuse
- Medically Necessary
- Concurrent Review and Discharge Planning
- Choice Plan
- Choice Plan at a Glance
- How the Choice Plan Works
- Paying Your Bill at Your In-Network Doctor’s Office
- Choosing In-Network Providers
- Mental Health/Substance Abuse In and Out of Network
- Medically Necessary
- Concurrent Review and Discharge Planning
- High Deductible Plan with HSA
- High Deductible Plan with HSA at a Glance
- High Deductible Plan with HSA Features
- How the Plan Works
- Health Savings Accounts (HSAs)
- Fully Insured Health Maintenance Organizations (HMOs)
- Live Well Chronic Condition Management Programs
- Centers of Excellence (COEs)
- Other Health Management Programs
- Citi Health Concierge
- Transform Diabetes Care® Program
- Medical Specialty Drugs Administered by a Medical Provider
- Sword Health
- Aetna
- Anthem BlueCross BlueShield
- Covered Services and Supplies
- Exclusions and Limitations
- Additional Medical Plan Information
- Claims and Appeals
- Claims and Appeals for Aetna Medical Plans
- Claims and Appeals for Anthem BlueCross BlueShield Medical Plan
- Important Health Plan Notices
- Prescription Drugs
- Prescription Drug Benefits at a Glance
- Retail Network Pharmacies with CVS Caremark
- CVS Caremark Mail Service
- CVS Caremark Maintenance Choice® Program
- Specialty Medication with CVS Caremark
- CVS Caremark AccordantCare Health Services
- Specialty Medication Copayment Assistance
- CVS Health Pharmacy Advisor Support Program
- Dispense as Written (DAW) Solutions
- Step Therapy
- Compound Medications
- Prior Authorization with CVS Caremark
- Transform Diabetes Care® Program
- Opioid Management Program
- High Deductible Plan with HSA Information
- Covered Drugs
- Other Limits
- Drugs Not Covered
- Claims and Appeals for CVS Caremark
- Dental
- Dental Options at a Glance
- MetLife Preferred Dentist Program (MetLife PDP)
- How the Plan Works
- Covered Services
- Procedures and Services That Are Not Covered
- Alternate Benefit Provision
- Predetermination of Benefits
- Medical Necessity
- Filing a Claim
- Cigna Dental HMO
- Cigna Dental HMO Features
- Referrals for Children
- How the Plan Works
- Patient Charge Schedule
- Emergencies
- Customer Service
- Limitations on Covered Services
- Conversion to an Individual Policy
- Procedures and Services That Are Not Covered
- Filing Claims
- Extension of Benefits
- Disclosure Statement
- Claims and Appeals
- Spending Accounts
- How the Spending Accounts Work
- Enrolling in the Spending Accounts
- Changing Your Contribution Amounts
- Legal Requirement: Save Your Receipts from Optum Financial Payment Card Use
- Reimbursements
- Tax Exemptions
- Spending Accounts at a Glance
- Health Care Spending Account (HCSA)
- Rules and Features
- Health Plan Claims with Optum Financial
- Your Optum Financial Payment Card
- Paying for Your Expenses Out of Pocket
- Reimbursements
- Using HCSA during an Unpaid Leave or after Your Termination of Employment
- Effect on Other Benefits
- Effect on Taxes
- Social Security
- Filing a Claim
- For More Information
- Limited Purpose Health Care Spending Account (LPSA)
- Rules and Features
- Paying for Your Expenses Out of Pocket
- Reimbursements
- Using LPSA after Your Termination of Employment
- Effect on Other Benefits
- Effect on Taxes
- Social Security
- Filing a Claim
- For More Information
- Dependent Day Care Spending Account (DCSA)
- Rules and Features
- Qualifying Individuals
- Marital Status and Your DCSA Contribution
- Paying for Your Expenses Out of Pocket
- Reimbursements
- Effect on Other Citi Benefits
- Effect of DCSA Participation on Social Security
- Using DCSA after Your Termination of Employment
- DCSA Subsidy
- Filing a Claim
- For More Information
- Transportation Reimbursement Incentive Program (TRIP)
- Are You Eligible to Enroll in TRIP?
- How the Program Works
- Cash Reimbursement Option
- Changing Your TRIP Pass Election
- If Your Employment Is Terminated/Transferred
- For More Information
- Claims and Appeals for the Health Care Spending Account (HCSA)/Limited Purpose Health Care Spending Account (LPSA)
- Insurance Benefits
- Basic Life Insurance
- Benefits Eligible Pay At or Above $200,000
- How Benefits Will Be Paid
- Basic Life Accelerated Benefits Option
- Basic Accidental Death and Dismemberment (AD&D) Insurance
- Naming a Beneficiary
- How Benefits Will Be Paid
- Continuing Basic Life and Basic AD&D on an Individual Basis
- Group Universal Life (GUL) Insurance
- Cash Accumulation Fund (CAF)
- GUL Accelerated Benefits Option
- Assignment
- Naming a Beneficiary
- Coverage for Your Spouse/Partner
- Life Insurance for Your Children
- How Benefits Will Be Paid
- Supplemental Accidental Death and Dismemberment (AD&D) Insurance for You and Your Dependents
- Details About Accidental Death and Dismemberment (AD&D) Insurance
- Schedule of Covered Losses for Employees
- Age Reduction Schedule
- Additional Basic AD&D Benefits
- Additional Supplemental AD&D Benefits
- Exclusions
- Continuing Your Supplemental AD&D Coverage Once You Lose Eligibility
- Business Travel Accident/Medical (BTA/BTM) Insurance
- Filing a Claim
- Claims and Appeals
- Administrative Information
- Your HIPAA Rights
- Your Special Enrollment Rights
- Your Right to Privacy and Information Security
- Notice of HIPAA Privacy Practices
- Section 1557 of the Affordable Care Act Grievance Procedure
- Important Notices about Your Citi Prescription Drug Coverage and Medicare
- ERISA Information
- Recovery Provisions
- Qualified Medical Child Support Orders (QMCSOs)
- Claims and Appeals
- Future of the Plans and Plan Amendments
- Plan Administration
- Compliance with Law
- Claims Administrators
- Citi Retirement Savings Plan
- Important Privacy Information About the My Total Compensation and Benefits Website
- Important Information about this Benefits Handbook
- Eligibility and Enrollment
- Contributions to Your Accounts
- Your Accounts
- Plan Limitations
- Roth In-Plan Conversions
- Vesting
- Investing Your Plan Accounts
- Investing Your Contributions
- Investment of Company Contributions
- Citigroup Common Stock Fund
- Changing Your Investment Elections
- Transfers and Reallocations
- Automatic Rebalancing
- Restrictions on Fund Transfers, Reallocations and Rebalancing
- Redemption Fees
- ERISA 404(c)
- Financial Tools to Help You Manage Your Savings
- Online Advice
- Alight Financial Advisors (AFA) Professional Management Program
- Lipper Fund Fact Sheets
- Alight Financial Education Center
- Important Information
- Plan Loans
- Interest Rates
- Loan Repayments
- Repaying Your Loan if You Leave the Company
- Defaulted Loans
- Treatment of Loans While on Qualified Military Service Leave
- Treatment of Loans While on Sabbatical
- Treatment of Loans While on Other Approved Leave of Absence
- Withdrawals
- Hardship Withdrawals
- Non-Taxable Withdrawals for Pre-1987 Contributions
- Withdrawal of Rollover Contributions
- Age 59-1/2 Withdrawals
- Disability Withdrawals
- Qualified Military Service Leave Withdrawals
- QVEC Withdrawals
- Age 65 Withdrawals from Money Purchase Plan Accounts
- Qualified Birth or Adoption Distributions
- Other In-Service Withdrawals
- Distributions from Your Accounts
- Following Termination of Employment
- On or After Normal Retirement Date
- If You Become Disabled
- If You Die
- Required Minimum Distributions
- Forms of Payment
- How Distributions Are Processed
- How Benefits Are Taxed
- Taxation of Plan Participants
- Penalty Tax for Early Distribution
- Special Rules for Distributions from Roth Accounts
- Special Withholding Rules
- Withholding on Installment Payments, Annuities and Minimum Required Distributions
- Withholding on Hardship Withdrawals
- State Tax Withholding
- Tax Rules for Company Common Stock
- Taxation of Company Contributions
- Administrative and Legal Information
- Plan Administrator/Agent for Legal Process
- Legal Actions
- Plan Fees and Expenses
- Plan Type and Funding
- Plan Confidentiality
- Use of Personal Information
- Investing Restrictions
- Liability for Losses in Your Account
- When Benefits Are Not Paid or Reduced
- Participant Responsibility
- Future of the Plan
- Miscellaneous
- Nonalienation and Qualified Domestic Relations Orders (QDROs)
- Account Statements
- Electronic Communications
- Top-Heavy Provisions
- Normal Retirement Age
- Claims and Appeals
- Your Rights under ERISA
- Administrative Details
- Glossary
- Appendices
- Citi Retirement Savings Plan
- Important Privacy Information About the My Total Compensation and Benefits Website
- Important Information about this Benefits Handbook
- Eligibility and Enrollment
- Contributions to Your Accounts
- Your Accounts
- Plan Limitations
- Roth In-Plan Conversions
- Vesting
- Investing Your Plan Accounts
- Investing Your Contributions
- Investment of Company Contributions
- Citigroup Common Stock Fund
- Changing Your Investment Elections
- Transfers and Reallocations
- Automatic Rebalancing
- Restrictions on Fund Transfers, Reallocations and Rebalancing
- Redemption Fees
- ERISA 404(c)
- Financial Tools to Help You Manage Your Savings
- Online Advice
- Alight Financial Advisors (AFA) Professional Management Program
- Lipper Fund Fact Sheets
- Alight Financial Education Center
- Important Information
- Plan Loans
- Interest Rates
- Loan Repayments
- Repaying Your Loan if You Leave the Company
- Defaulted Loans
- Treatment of Loans While on Qualified Military Service Leave
- Treatment of Loans While on Sabbatical
- Treatment of Loans While on Other Approved Leave of Absence
- Withdrawals
- Hardship Withdrawals
- Non-Taxable Withdrawals for Pre-1987 Contributions
- Withdrawal of Rollover Contributions
- Age 59-1/2 Withdrawals
- Disability Withdrawals
- Qualified Military Service Leave Withdrawals
- QVEC Withdrawals
- Age 65 Withdrawals from Money Purchase Plan Accounts
- Qualified Birth or Adoption Distributions
- Other In-Service Withdrawals
- Distributions from Your Accounts
- Following Termination of Employment
- On or After Normal Retirement Date
- If You Become Disabled
- If You Die
- Required Minimum Distributions
- Forms of Payment
- How Distributions Are Processed
- How Benefits Are Taxed
- Taxation of Plan Participants
- Penalty Tax for Early Distribution
- Special Rules for Distributions from Roth Accounts
- Special Withholding Rules
- Withholding on Installment Payments, Annuities and Minimum Required Distributions
- Withholding on Hardship Withdrawals
- State Tax Withholding
- Tax Rules for Company Common Stock
- Taxation of Company Contributions
- Administrative and Legal Information
- Plan Administrator/Agent for Legal Process
- Legal Actions
- Plan Fees and Expenses
- Plan Type and Funding
- Plan Confidentiality
- Use of Personal Information
- Investing Restrictions
- Liability for Losses in Your Account
- When Benefits Are Not Paid or Reduced
- Participant Responsibility
- Future of the Plan
- Miscellaneous
- Nonalienation and Qualified Domestic Relations Orders (QDROs)
- Account Statements
- Electronic Communications
- Top-Heavy Provisions
- Normal Retirement Age
- Claims and Appeals
- Your Rights under ERISA
- Administrative Details
- Glossary
- Appendices