Welcome! At Citi, we are proud to provide comprehensive benefits that aim to help you and your family live well, feel well and save well. We recognize that everyone has different needs when it comes to benefits. That’s why we’re committed to offering a diverse benefits program that offers something for everyone.
Starting a new job is exciting, but it can also be overwhelming. We know you have plenty to think about, so we strive to make the process of enrolling in Citi's benefit plans a little easier. There are licensed benefits counselors who can provide you with one-on-one, personalized support to enroll in Citi benefits. They will answer all your questions, walk you through the available options and help you enroll in your selected benefits — making sure you don’t miss out on any of the great programs available to you!
In addition, we’ve created the following roadmap to guide you through the beginning of your journey at Citi, helping you focus on the right steps at the right time.
Use this roadmap to make the most of your first three months at Citi.
Make an appointment to speak on the phone one-on-one with a licensed benefits counselor who can explain your options and help you make the best choices for your needs. Your counselor can answer any questions you have about Citi’s benefits program and assist with the entire enrollment process for health, insurance and retirement benefits. This personalized service is available to you during your first 31 days at Citi.
Before your appointment, it’s a good idea to review this site’s Get Started with Your Benefits page to begin learning about all of the benefits Citi has to offer. Then, you’ll be ready to ask questions during your enrollment session. If you’d like more detailed information, review the Benefits Handbook.
As you get started with Citi’s health and insurance plans and the Retirement Savings Plan, be sure to review important materials related to these benefits.
My Total Compensation and Benefits is your secure, password-protected gateway to personalized information about your Citi compensation and benefits. It’s also your seamless connection to Your Benefits Resources (YBR™), where you can:
Remember, a benefits counselor can help you with these enrollment steps or offer assistance as you navigate My Total Compensation and Benefits and Your Benefits Resources (YBR™).
Once you’ve reviewed your health and insurance benefit options, be sure to enroll within 31 days of your hire date. There are three ways you can enroll:
*Note: If you are hired on or after September 24, 2023, or you have not completed your new hire/newly eligible benefits enrollment on or before September 24, 2023, you will need to enroll in both your 2023 benefits and your 2024 benefits separately.
At Citi, we value tobacco-free living, and we give you resources to help you get (and stay) tobacco free. As part of our commitment to a tobacco-free community, we ask all of our employees to attest to their tobacco user status when enrolling in benefits. Be sure to complete the Tobacco Attestation when you enroll, regardless of your tobacco user status. If you and/or your enrolled spouse/partner use tobacco:
If you enrolled any dependents on your Citi benefits, you have 45 days to provide information verifying their eligibility. If you do not submit the required documentation within this timeframe, your newly added dependent’s coverage will be canceled, and any claims made to date will not be paid.
If you need assistance, a licensed benefits counselor can help you complete the verification step during your one-on-one session. Remember, this personalized service is only available during your first 31 days at Citi.
The Be Well Program provides free and confidential counseling whenever you need it.
Save the Be Well Program phone number 1 (800) 952-1245 to your phone contacts for on-call support at any time of day or night, 365 days a year.
Save CitiBenefits.com to the home screen of your smartphone for quick access anytime, anywhere.
The Live Well at Citi Program supports and rewards you as you improve your physical, financial and emotional well-being. You and your spouse or partner can each sign up for a free Virgin Pulse account online or through the app, available from the Apple Store and Google Play. Note that only spouses/partners enrolled in a Citi medical plan are eligible to earn rewards.
Bright Horizons offers you more than just child care. There’s plenty to take advantage of, including college advising, elder care resources, learning support, access to pet care providers and more. Register today for free so you’re ready to use it if you need to.
During your first 31 days at Citi, you will continue to have access to personalized guidance from a licensed benefits counselor. If you need more support, simply schedule another call at your convenience. Beyond 31 days, you can 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) to ask questions or receive benefits assistance.
Citi strives to meet the diverse needs of all of our employees. Look through the Citi Is There for Me stories to see how Citi’s benefits can fit into your life.
Citi is dedicated to providing and connecting you with benefits that support you and your family, no matter your situation. Use the Find benefits for your needs page to quickly find the right solutions and support for various situations you may be facing, such as managing stress, planning for retirement or preparing to welcome a new child into your family.
As part of Citi’s commitment to diversity, equity and inclusion, our benefits are designed to provide comprehensive support to all employees. For your convenience, we’ve created a summary of coverage features and programs that may be of particular value to members of the LGBTQ+ community. Learn more.
Citi supports you in balancing your work, family and personal commitments. Learn about taking time away from work, family and educational benefits, support for everyday needs, legal resources and employee discounts.
Your medical plan's app offers easy on-the-go access to your coverage details, claims information and more:
Download the app for your telehealth service so it’s there when you need it.
Complete healthy activities through the Live Well at Citi Program often to earn the most possible rewards. Keep in mind that your points reset each quarter. If you earn the maximum points every quarter, you’ll earn $70 each time — that’s $280 for the whole year!
Speak with an AFA Investment Advisor for advice on balancing debt, budgeting household expenses or saving for a large purchase, all at no cost to you. Contact AFA Investment Advisors by calling 1 (800) 881-3938 from 9 a.m. to 9 p.m. ET, Monday through Friday. From the “benefits” menu, select the “401(k) Plans” option, then “Contact an Advisor Regarding Investment Advice and Financial Guidance.”
Benefits Handbook
ConnectOne
During your first 31 days at Citi, you can schedule a personalized benefits session to receive hands-on support. After that, call ConnectOne, Citi's telephone portal to Benefits, HR and Payroll, at 1 (800) 881-3938 and use this menu.
My Total Compensation and Benefits
Securely access personalized information about your compensation and benefits through this password-protected gateway. You can also seamlessly link to Your Benefits Resources (YBR™), where you’ll enroll in benefits or make changes.
Citi For You
Visit Citi For You, Citi’s intranet, for all your day-to-day self-service HR needs, such as career planning, time off, paychecks, home address updates and more. This site is only accessible when connected to the company network.
You must enroll within 31 days of your hire date to receive medical, dental and vision coverage, as well as any supplemental health coverage. You must also enroll if you wish to participate in a Health Care Spending Account (HCSA), Limited Purpose Health Care Spending Account (LPSA), Dependent Day Care Spending Account (DCSA) or the MetLife Legal Plans. If you do not enroll in health and insurance benefits within 31 days of your hire date, you will only have core benefits, which Citi provides to all employees at no cost.
You will have another opportunity to enroll in benefits during the Annual Enrollment period, which takes place every fall. You may also make changes to your benefits if you experience certain life events — such as a marriage, divorce, new child or change in coverage under another plan — known as qualified changes in status.
Note about life and disability insurance: If you pass up your initial opportunity to enroll in Group Universal Life (GUL) coverage or decline automatic enrollment in Long-Term Disability (LTD) coverage, you will need to provide evidence of insurability (proof of good health) should you decide to enroll at a later date.
There are three ways you can enroll:
You’re eligible to enroll in the Retirement Savings Plan beginning on your first day at Citi. 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.
You can set, change or stop your contributions, select your investment options and manage your account online through My Total Compensation and Benefits. You can also 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 “401(k) Plans” option.
If you do not make an election within 90 days of your hire date, Citi will automatically enroll you in the Retirement Savings 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. Your contributions will be invested in target date funds, which are the Plan’s default investment option. In addition, if you are automatically enrolled, your contribution rate will increase by 1% each year until it reaches 15%.
We’re here to help you make the right choices for you and your family. The steps below can support you in making your benefit elections:
Once the enrollment deadline for health and insurance benefits has passed, you will have to wait until the next Annual Enrollment period to make any changes to most of your benefits. However, you may be able to make changes to your benefits when you experience certain life events – such as a marriage, divorce, new child or change in coverage under another plan – known as qualified changes in status. For Group Universal Life (GUL) coverage, Long-Term Disability (LTD) coverage and the Transportation Reimbursement Incentive Program (TRIP), you can enroll, modify or cancel at any time.
Note about life and disability insurance: If you pass up your initial opportunity to enroll in Group Universal Life (GUL) coverage or decline automatic enrollment in Long-Term Disability (LTD) coverage, you will need to provide evidence of insurability (proof of good health) should you decide to enroll at a later date.
If you need help enrolling or have questions about your benefits or eligibility, the best thing to do is schedule a phone appointment with a licensed benefits counselor. You’ll receive personalized support and expert guidance to help you make the best choices for your needs. This hands-on service is available to you during your first 31 days at Citi.
If you just have a quick question or need support after your first 31 days, the Citi Benefits Center is available 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.
In addition, Health Advocate is available to guide you to the right resources when you need them, so you get the most out of all your Citi Benefits. Speak to a Personal Health Advocate by calling 1 (866) 449-9933, 8 a.m. to 10 p.m., ET, Monday through Friday.