Overview
As a Citi employee, you have access to a wide variety of benefit programs and options. CitiBenefits.com has all the information you need to make smart, confident decisions. Take action now and be sure to enroll within 31 days of your hire date.
Get a Personalized Introduction to Your Citi Benefits
Schedule a 45-minute one-on-one call with a licensed benefits counselor to learn all about your benefits. You’ll quickly understand what the Citi benefits program includes, which options may be best for you and your family and how to take full advantage of the many benefits and resources available to you. A benefits counselor can even complete your enrollment for you — what could be easier? And, you can reach out whenever you need assistance with your health, insurance or retirement benefits during your first 31 days at Citi.
Important: You May Need to Enroll in Both 2024 and 2025 Benefits
If you are hired on or after September 24, 2024, or you have not completed your new hire/newly eligible benefits enrollment on or before September 24, 2024, you should:
- Complete your new hire enrollment for your 2024 benefits as soon as possible within the 31-day enrollment period.
- Enroll in your 2025 benefits as soon as possible following your hire date.
- Complete the Tobacco Free Attestation when enrolling in a medical plan option, for both 2024 and 2025.
- If you were hired before September 24, 2024, or were transferred from a Citi International Business, you are eligible for the Live Well Health Assessment Reward.
Want help enrolling?
As a new Citi employee, you’re invited to schedule a one-on-one session with a licensed benefits counselor who will walk you through your benefits and help you enroll in both 2024 and 2025 benefits, as applicable.
Health and Insurance Benefits
Learn about the health and insurance benefit choices available to you. When you’re ready to enroll, follow the directions provided in the next section.
Federally Required Compliance Notice About Hospital Indemnity Insurance
IMPORTANT: This is a fixed indemnity policy, NOT health insurance. This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.
- The payment you get isn't based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn't a substitute for comprehensive health insurance.
- Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member's job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."
- If you have this policy through your job, or a family member's job, contact the employer.
How to Enroll
As you review your health and insurance benefit options, keep in mind that you need to enroll within 31 days of your hire date. There are three ways to enroll:
With Assistance From a Benefits Counselor
Schedule a personalized phone enrollment session with a licensed benefits counselor who will explain your options, get to know your needs, and recommend benefits that may be best for you and your family. You benefits counselor can help you enroll in all your Citi benefits — health, insurance and retirement — so you have more time to focus on getting settled into your new role. This hands-on service is available to you during your first 31 days at Citi.
Online
If you know what benefits you’d like to elect and want to enroll online, visit Your Benefits Resources (YBR™) at any time of day or night, available through My Total Compensation and Benefits.
To enroll in Group Universal Life (GUL) and Supplemental AD&D insurance, you must do so directly with MetLife. Visit My Total Compensation and Benefits and click on “Group Universal Life” under “Want to get to our best in class vendors fast?” to connect to the MetLife MyBenefits website.
By Phone
To make your benefit elections by phone, call the Citi Benefits Center via ConnectOne at 1 (800) 881-3938, 8:00 a.m. to 8:00 p.m. ET, Monday through Friday, excluding holidays. From the “benefits” menu, select the “health and insurance benefits as well as TRIP and spending accounts” option. If you’re outside the United States or Puerto Rico, call 1 (469) 220-9600.
Note: All family members must be listed as a covered dependent under each individual plan. When enrolling by phone, you must ask a Citi Benefits Center representative to “cover” each dependent.
Reminder: Designate Your Beneficiaries
When you enroll in benefits, don’t forget to designate beneficiaries for life insurance, AD&D insurance, the Citi Retirement Savings Plan and the Health Savings Account, if applicable. To designate your beneficiary information for Group Universal Life (GUL) and Supplemental AD&D insurance, you must do so directly with MetLife. Visit My Total Compensation and Benefits and click on “Group Universal Life” under “Want to get to our best in class vendors fast?” to connect to the MetLife MyBenefits website.
Retirement Savings Plan
The Citi Retirement Savings Plan helps you plan and prepare for retirement no matter where you are in your career. You can set your contribution rate and select your investment option(s) as early as your first day at Citi. If you do not take any action within the first 90 days from your hire date, you will automatically be enrolled in the Plan, and 6% of your eligible pay will be withheld from your paycheck each pay period and contributed to the Citi Retirement Savings Plan on a before-tax basis. In addition, if you are automatically enrolled, your contribution rate will increase by 1% each year in March until it reaches 15%. Review your account options, contribution limits and more.
You can access your Retirement Savings Plan account at any time on My Total Compensation and Benefits. Or, for personalized guidance with your plan enrollment or account updates during your first 31 days at Citi, schedule a phone appointment with a benefits counselor.
Benefits for Everyday Needs
Citi is dedicated to helping you and your family live well every day. That’s why we offer a variety of benefits to help you get support that meets your needs, preferences and goals.
The Be Well Program
Citi’s Be Well Program provides flexible mental and emotional health support resources designed to meet your individual needs. Whether you’re struggling with everyday stress, relationship issues, financial or legal matters, substance abuse, depression, grief or anxiety, Citi is there for you. Through the Be Well Program, you can access:
- In-person, phone, video or text-based counseling*
- Referrals to service providers for everyday support (such as a plumber, pet sitter or moving company)
- Online information and education
- Life coaching
- And more
The Be Well Program is available to all active, benefits-eligible Citi employees in the United States and their household family members, as well as paid and unpaid U.S. interns. You don’t need to be enrolled in a Citi medical plan to take advantage of the program. Learn more about how the Be Well Program can help you.
*You and your household members can each receive up to five free face-to-face counseling sessions and either five free phone, video or chat sessions or five weeks of free asynchronous texting per issue, per year.
The Live Well at Citi Program
Looking to improve or maintain your physical health, support your emotional well-being or enhance your financial wellness? The Live Well at Citi Program offers a variety of free and easy-to-use resources that can help you reach your well-being goals. You don’t need to be enrolled in a Citi medical plan to participate.
You also have the potential to earn more than $500 in Live Well Rewards during the year just by taking healthy actions, like completing a digital coaching program or registering for your telehealth account. Spouses/partners enrolled in a Citi medical plan can earn more than $400 in Live Well Rewards, too! Learn more about all the ways Citi supports — and rewards — you on your journey to wellness.
Time for Moments That Matter
Whether you’re getting ready to welcome a newborn, are caring for a sick family member, or just need some time away to recharge, Citi offers a variety of flexible leaves and time away options so that you can meet your personal obligations while continuing to grow in your career. Learn more about Citi’s leave options.
Additional Benefits Provided By Citi
Beyond health, insurance and retirement benefits, Citi offers programs that can help you balance your work, family and personal commitments. Whether you’re looking for family resources, like child/elder care or college advising, information on time away from work or other everyday support, you can find it all here at CitiBenefits.com.
Also keep in mind that as a Citi employee, you have access to core benefits that do not require enrollment. Refer to the Benefits Handbook for a list of Citi’s core benefits.