Live Well at Citi

Whether you’re looking to improve or maintain your good health, the Live Well at Citi Program has something for you. The resources are free, easy-to-use and are available even if you aren’t enrolled in a Citi health plan.

When it comes to your physical and emotional well-being, Citi is here to help. The Live Well at Citi Program makes it easier for you and your family to improve your health, achieve your health goals and earn Live Well Rewards all year round!

Citi believes that good health is important for you personally. It’s a priority for Citi as well. Live Well at Citi is one of the many ways Citi invests in your health and wellness. It’s also an important part of Citi’s efforts to manage costs.

iconHow Live Well at Citi Can Help You

Do you want to lose weight? Manage stress? Just feel better? Whether you’re looking to improve or maintain your good health, the Live Well at Citi Program has something for you. The program includes telephonic coaching, fitness tracking, a tobacco cessation program and more.

Our interactive resources are free, easy to use and available to all employees, even if you aren’t enrolled in a Citi health plan. The Live Well at Citi Program’s personalized approach to wellness makes it easier for you to attain your health goals, while rewarding you along the way.

Rewards for Healthy Behaviors

Part of our commitment to helping you make healthy choices, every day, is helping you and your family focus on improving your health and finances, and rewarding you for healthy behaviors. The Live Well at Citi Program helps you take control of your physical and emotional well-being and earn rewards for doing so.

You can earn Live Well Rewards throughout the year for a variety of healthy activities, such as signing up for programs with our best-in-class partners, participating in Diabetes Management, if invited or Chronic Condition Management, completing online Journeys and more.

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Earn $450 in Live Well Rewards in 2020

All employees and their medical plan enrolled spouse/partners can each earn a maximum of $450 in Live Well Rewards – $300 in Live Well Rewards throughout the year, plus a premium discount of $150 for completing the Health Assessment during Annual Enrollment. You can earn Live Well Rewards throughout the Live Well Program year (October 1, 2019September 30, 2020).

Note: The total amount of Live Well Rewards you can earn is $300 for employee only or $600 for employee plus spouse/partner, but keep in mind the Health Assessment $150 Reward is not included in this maximum amount.

Live Well Healthy Activities

Employees don’t have to be enrolled in a Citi health plan to participate in the Live Well Healthy Activities and earn Live Well Rewards in the form of gift cards. You’ll be able to see your Live Well Reward in the RedBrick Portal shortly after you complete your healthy activity, such as those listed below. If you leave Citi, your Live Well Rewards will be forfeited. You cannot redeem Live Well Rewards after termination of employment.

iconHealth Screening

Who Can Participate
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.

How to Earn It
If you participate in an advertised, Citi-sponsored health screening, your screening results will be uploaded automatically to the RedBrick Portal. If you get a screening through your doctor, have him/her complete the Health Screening Form and return it to RedBrick.

Your Reward
Earn $50 for getting a health screening at your doctor’s office or through an advertised Citi-sponsored onsite screening event. For employees, it’s even easier to complete your screening at one of the many Citi locations that offer them.

iconOnline Journey

Who Can Participate
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.

How to Earn It
Complete Journeys that promote healthy habits through small behavioral steps. Journeys are accessible via smartphone, tablet and desktop. New for 2020: Earn $1 each day you complete one or more steps in any Journey, for up to $75 a year. You no longer have to wait until you finish an entire Journey to earn your reward.

Your Reward
Earn up to $75 per year for completing online Journeys. You can continue to complete Journeys even after you earn the maximum Live Well Rewards.

iconPhysical Activity

Who Can Participate
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.

How to Earn It
Record at least 30 minutes of physical activity per day, such as going for a walk or run, lifting weights or taking an exercise class.

Your Reward
Earn $1 per day, up to $50 per year for tracking physical activity.

iconGlobal Fitness Challenge

Who Can Participate
All Citi employees, regardless of whether they are enrolled in a Citi medical plan.

How to Earn It
Successfully complete the five-week Global Fitness Challenge in the Spring. You’ll earn $25 for completing the challenge.

Your Reward
Earn $25.

iconPhone Coaching

Who Can Participate
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.

How to Earn It
Work with RedBrick’s certified experts who answer your health questions, provide support in overcoming obstacles and help set small goals to complete between sessions.

Your Reward
Earn $25 per session, up to $100 per year for participating in phone coaching.

iconBe Tobacco Free

Who Can Participate
Citi employees and spouses/partners who use tobacco products and are enrolled in Citi medical coverage can complete the tobacco cessation program to eventually stop paying the penalty premiums (within one or two pay cycles of program completion).

Citi employees not enrolled in Citi medical coverage can participate in the program and receive Live Well Rewards.

How to Earn It
If you or your spouse/partner use tobacco products, you can complete the Live Well Tobacco Cessation Program to eventually stop paying the penalty premiums (within one or two pay cycles of program completion) and earn a Live Well Reward. Complete the program by calling RedBrick at 1 (855) 814-5595.

If you and your spouse/partner do not use tobacco products, to avoid the tobacco penalty:

  • Existing Employees: You will have the opportunity to complete the Tobacco Free Attestation on YBR™ during 2020 Annual Enrollment.
  • New Hires: Complete the Tobacco Free Attestation when you enroll in your medical plan on YBR™, available through My Total Compensation and Benefits. You’ll see the attestation page for you and your spouse/partner (if he/she is covered by a Citi medical plan) when enrolling in Citi’s benefits.

 

Your Reward
If you do not use tobacco and complete the Tobacco Free Attestation, you will avoid a $600 annual penalty on your medical coverage (per person) if you’re enrolled in Citi medical coverage. If you do use tobacco products, you can participate in the tobacco cessation program and earn $25 in Live Well Rewards for each tobacco-cessation coaching call, up to a maximum of $100, and up to $1/day for engaging in a tobacco-free Journeys, up to a maximum of $75.

iconRegister for Grand Rounds

Who Can Participate
All Citi employees and their spouses/partners enrolled in an Anthem or Aetna medical plan, if registering for the first time.

How to Earn It
Register for Grand Rounds, and access a service that provides you with a personal team of medical professionals, records specialists and care coordinators guiding you to the best possible solutions when faced with a medical issue.

Your Reward
Earn $15 starting October 1, 2019. Note: This reward will be available until March 31, 2020.

iconSleep Coaching through Sleepio

Who Can Participate
All Citi employees if registering for the first time, regardless of whether they are enrolled in a Citi medical plan, and spouses/partners who are enrolled in a Citi medical plan.

How to Earn It
Complete the sleep test to learn your sleep score, then work to improve your sleep with proven techniques developed from over 35 years of research.

Your Reward
Earn $15. Note: This reward will be available until March 31, 2020.

iconSave Well Retirement Planning

Who Can Participate
All Citi employees.

How to Earn It
Complete the Save Well Financial Checkup training module through Alight Financial Advisors. You can view the Save Well Financial Checkup by visiting the Your Benefits Resources™ website through My Total Compensation and Benefits. Select “Contacts” on the left side of the Welcome page, then select the “Your Benefits Resources” website.

Your Reward
Earn $25.

iconDownload the Anthem Engage App

Who Can Participate
All Citi employees and their spouses/partners enrolled in an Anthem medical plan, if registering for the first time.

How to Earn It
Download the Anthem Engage app, and take charge of your health plan and benefits so you can be confident you're making the best choices for your health and well-being.

Your Reward
Earn $15. Note: This reward will be available until March 31, 2020.

iconLivongo Diabetes Management Program

Who Can Participate
By invitation, selected Citi employees and their spouses/partners who are enrolled in a Citi medical plan and have diabetes.

How to Earn It
Enroll in the Diabetes Management Program and activate a meter.

Your Reward
Earn $15 if enrolling for the first time. Note: This reward will be available until March 31, 2020.

iconLive Well Chronic Condition Management Programs

Who Can Participate
By invitation, selected employees and spouses/partners enrolled in a Citi medical plan administered by Aetna or Anthem can participate.

How to Earn It
Work with a nurse from your medical plan on a specific program to address your chronic health conditions.

Your Reward
Earn a $100 Reward per person starting January 1, 2020.

When You’ll Receive It
Starting the quarter after you complete or graduate from your medical plan’s program, your Live Well Reward will be available on RedBrick to redeem as a gift card (Note: Program requirements vary by medical plan).

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Register for Telehealth

Who Can Participate
All Citi employees enrolled in an Anthem or Aetna medical plan, if registering for the first time.

How to Earn It
Visit the Teladoc website (Aetna) or LiveHealth Online website (Anthem) to register for telehealth.

Your Reward
Earn $15 starting October 1, 2019.

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Maternity Care Management

Who Can Participate
Citi employees and their spouses/partners who are enrolled in a Citi medical plan administered by Aetna or Anthem can participate.

How to Earn It
If you’re enrolled in an Anthem or Aetna medical plan, you’ll need to complete an initial risk assessment (if enrolling in Anthem’s program) or a risk survey (if enrolling in Aetna’s program).

Your Reward
Earn $50 starting January 1, 2020.

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Global Community Day

Who Can Participate
All Citi employees, regardless of whether they are enrolled in a Citi medical plan.

How to Earn It
Participate in Global Community Day to earn the reward. Register by June 6, 2020 for a 2020 Global Community Day volunteer activity. Look for a new and improved registration site in early 2020.

Your Reward
Earn $25.

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How to Get Started with RedBrick

U.S. employees may access the RedBrick Portal by following the instructions below:

  • Employees: Access the RedBrick Portal through My Total Compensation and Benefits.
  • Spouses/partners and dependents 18 and over: Use the public internet-accessible RedBrick Portal. If this is your first time logging in, you’ll be prompted to create a user ID and password and to authenticate your account through your phone number or email address.

 

Important Notes Regarding Gift Cards

Gift cards earned as Live Well Rewards are considered taxable income and you’ll be taxed when you earn a gift card. To compensate for the tax, Citi will “gross up” or issue payments approximating any tax you’ll pay. You’ll receive a separate paycheck approximating the tax you will pay on the gift card Reward amount, which will be listed as “noncash GU.”

iconHow do I redeem my Live Well Rewards for gift cards?

Please refer to the “How to Get Started with RedBrick” section above.

iconDo I need to request gift cards in certain amounts?

You can redeem your Live Well Rewards for gift cards at any time in the amounts made available by the merchants and retailers who offer them. Gift card values will vary by merchant and retailer and are subject to minimums. In addition, you may redeem your $300 in separate gift cards with different merchants and retailers. Log in to the RedBrick Portal, available through My Total Compensation and Benefits, to see the gift card options available to you.

iconAre there any restrictions on using the gift cards?

View the terms and conditions section below your card’s activation instructions to see any gift card restrictions. To access activation instructions, click on “View Gift Card History” from your Rewards page. Generally, gift cards won’t expire and can be used at the selected merchant or retailer either online or in person by anyone in possession of the card, so keep them in a safe place until you use them.

iconHow long will it take to receive my gift cards after I request them?

Gift cards will be delivered electronically. In most cases, the gift card can be used immediately; however, for some retailers, gift cards may take one to two business days to be activated.

iconIs there any way to redeem my Live Well Rewards for cash?

No, but with the wide selection of gift cards available, we believe you’ll find one that works for you.

iconWhat if I change my medical coverage elections during the course of the year and don’t receive my full Live Well Reward credit for completing the Live Well Health Assessment? Will I receive my balance in a gift card?

No. If you or your enrolled spouse/partner cancels your Citi medical coverage due to a qualified change in status or leaving Citi, you’ll forfeit any remaining Live Well credits earned through the Health Assessment.

In addition, if you and your spouse/partner both participate in the Live Well at Citi Program and you cancel your Citi medical coverage due to a qualified change in status and continue to work for Citi, you can continue to participate in the program as a Citi employee, but your spouse/partner can’t continue to participate.

iconAre gift cards taxable, and will I need to pay taxes?

Under the current U.S. Internal Revenue Code, gift cards are considered taxable income. However, to compensate for the tax, Citi will “gross up,” or issue payments approximating any tax you’ll pay. That way, you receive the full gift card amount.

Example: If you earned $100 in Live Well Rewards, Citi will add $25 to your paycheck to cover the estimated 25% federal supplemental tax rate you’ll pay on your gift card earnings.

Your Form W-2, Wage and Tax Statement (“Form W-2”) will include the value of the gift card(s) earned and the related tax amount. If your spouse or partner receives a gift card, the value of his/her gift card(s) and the related tax amount will also be reported on your Form W-2.

iconWhen are gift cards taxed?

You’ll be taxed when you earn Live Well Rewards, not when you redeem or spend the gift card.

Example: You complete an online Journey in June and earn a $25 Live Well Reward. You redeem it for an Amazon gift card in August. You will be taxed in June.

iconWill I see gift card values and related taxes on my paycheck or pay statement?

Yes. You’ll receive a separate paycheck for the amount of the Live Well Rewards you earn plus the related tax amount. The paycheck amount will be listed as “LIVEWELLGU.” If your spouse or partner receives a gift card, his/her Live Well Reward will also be included in your paycheck.

iconWhat if I’m leaving Citi and I have earned Live Well Rewards but haven’t redeemed them for gift cards yet?

You must be working at Citi to redeem Live Well Rewards for gift cards, so redeem your Live Well Rewards for gift cards before you terminate employment, if possible.

General Questions

iconHow do I know when I’ve successfully completed the Live Well Health Assessment to earn Live Well Rewards?

Immediately after completing the last question on the Health Assessment, you’ll see the “Health Assessment Results” page, along with your Health Score.

  • You can also see the date you completed the Health Assessment at any time by viewing your Health Assessment on the RedBrick Portal, available through My Total Compensation and Benefits.
  • If you complete the Health Assessment by November 1, a confirmation statement will be mailed to your home in early December confirming that you’ve earned Live Well Rewards (this statement also contains benefits plan confirmations and premiums for the next year).
  • After you take the Health Assessment, you can view your Live Well Rewards at any time. Your Live Well Rewards are viewable on the RedBrick Portal from the “Rewards” page.

 

iconWhen can I complete Healthy Activities to earn Live Well Rewards?

The Live Well Rewards Program plan year runs from October 1, 2019, through September 30, 2020. Note: Some activities will be available starting on January 1, 2020 as noted in the table on this page.

iconWhat if I still have a Live Well Rewards balance as of the start of the Live Well Rewards plan year that begins on October 1? Will my Live Well Rewards carry over into the new plan year?

Yes. Your unused Live Well Rewards balance carries over from one year to the next as long as you are a Citi employee.

Wellness Challenges

The Live Well at Citi program is designed to help you be healthier, happier and more successful in your work and home life. You work hard to help our organization thrive, and Citi is committed to providing you with benefits that help you and your family live well. We encourage you to participate today so you can strive to live a healthier life.

Citi Fitness Challenge

All Citi employees can participate and earn rewards for completing the Citi Fitness Challenge in the spring. You can meet your weekly goals for all five weeks of the Citi Fitness Challenge to earn the $25 Live Well Reward.

Live Well Journeys

Live Well Journeys help you develop healthy habits through small lifestyle changes and include the following features:

  • Programs are available on physical activity, nutrition, weight management, stress/energy, tobacco cessation, sleep and living with a chronic condition.
  • New Journeys are introduced on an ongoing basis, so there’s always something new to learn.
  • Each program is specific to you, based on your interests and knowledge.
  • Accessible via smartphone, tablet and desktop and include optional support from RedBrick Guides via email and phone.

 

Live Well Phone Coaching

The Live Well phone coaching programs can help you focus on improving your health in the following areas:

  • Behavioral health coaching
  • Back, muscle and joint pain
  • Stress
  • Maternity – healthy pregnancy
  • Nutrition, weight management and physical activity
  • Depression and anxiety
  • Tobacco cessation

 

RedBrick Track

RedBrick Track is a daily wellness tracker that spans a spectrum of daily health habits — getting active, eating healthy and living well — yet takes just a minute or two per day. You can access this fun, easy-to-use tool via the web, a tablet or a mobile phone, or sync up with compatible devices or apps for automatic physical activity tracking.

To access RedBrick Track, from the RedBrick Portal home page, click on “Add to Track” on the top right. Then, click on "Track It" in the upper left corner of the “Add to Track” page to enter your exercise by category. You can also set up automatic activity recording via a compatible fitness tracker. The RedBrick Portal is available through My Total Compensation and Benefits.

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Live Well – and Earn Rewards!

You and your spouse/partner enrolled in Citi medical coverage can earn Live Well rewards for you improving your physical and emotional health. For more information, visit the Rewards for Healthy Behaviors section.

Health Assessment

Before you can embark on your journey to better health, you must understand your health and recognize areas where you can improve. The Live Well Health Assessment will help you achieve this and give you the opportunity to earn discounts on your health plan premiums.

We encourage you to take the Health Assessment because it can help identify areas where you can improve your health. Immediately after completing the last question on the Health Assessment, you’ll see the “Health Assessment Results” page, along with your Health Score.

Based on your responses, you’ll be invited to participate in specific Live Well Journeys and/or coaching programs to earn Live Well Rewards. You may also call RedBrick at 1 (855) 814-5595 and request to participate in these programs.

You can take the Health Assessment and start participating in other healthy activities offered through the Live Well at Citi Program any time during the year.

Access the Health Assessment

The Live Well Health Assessment is available on the RedBrick Portal, accessible by following these instructions:

  • Employees: Access the Health Assessment on the RedBrick Portal through My Total Compensation and Benefits.
  • Spouses/partners: Use the public internet-accessible RedBrick Portal. If this is your first time logging in, you’ll be prompted to create a user ID and password.

 

Answers to Frequently Asked Questions

iconWhat if I already completed the Live Well Health Assessment in the past?

Even if you completed the Health Assessment in the past, you must take it again each year between October 1 and November 1, to earn a Live Well Reward for the following year.

iconCan new employees who join Citi after October 1 take the Live Well Health Assessment and receive the $150 Live Well Reward?

New employees who join Citi after October 1 may take the Health Assessment, but they will not be able to earn the $150 Live Well Reward. However, we still encourage new employees to take the Health Assessment since it can help identify areas where they can improve their health.

iconWhy can’t employees hired after October 1 earn a Live Well Reward for completing the Live Well Health Assessment?

New employees have 31 days to enroll in benefits. After they enroll, their eligibility information is sent electronically to RedBrick to notify RedBrick that a new member is eligible for the program. Depending on when within the 31-day period the employee enrolls, there may not be enough time for him or her to access the Health Assessment and for RedBrick to process the Live Well Reward in time for the following plan year.

iconCould my dependent children earn a Live Well Reward for completing the Live Well Health Assessment?

No. However, even though they aren’t eligible for Live Well Rewards, dependents who are over age 18 can take the Health Assessment and participate in other Live Well Healthy Activities.

iconCan I take the Live Well Health Assessment after November 1?

Yes. You and your spouse/partner who is enrolled in a Citi medical plan can still take the Health Assessment, even though you won’t receive the $150 Live Well Reward.

iconWhere can I get more information on the Live Well Health Assessment?

For more information on the Health Assessment, employees can call RedBrick Health at 1 (855) 814-5595 or visit the RedBrick Portal without an additional login through My Total Compensation and Benefits.

Spouses/partners who are enrolled in a Citi medical plan can access the RedBrick Portal. The first time that your spouse/partner logs in, he or she will be prompted to create a user ID and password, and will be asked to provide their first name, last name, date of birth and the last four digits of your (the employee’s) Social Security number. If your spouse/partner has any issues registering his or her account, call RedBrick Health for assistance at 1 (855) 814-5595.

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Your Information Is Protected

The Live Well Health Assessment only takes 15 minutes to complete, and the information you enter into your Health Assessment and the data in your personalized report are protected in accordance with the privacy and security rules under the Health Insurance Portability and Accountability Act of 1996, as amended from time to time (“HIPAA”). RedBrick adheres to HIPAA privacy and security guidelines that are designed to ensure that no one at Citi has access to your personalized data or results.

*Gift cards are considered taxable income. To compensate for the tax, Citi will “gross up” or issue payments approximating the tax you will pay. You’ll be taxed when you earn a gift card (not when you use it). You’ll receive a separate paycheck approximating the tax you will pay on the gift card Reward amount, which will be listed as “LIVEWELLGU.”

Tobacco Cessation

At Citi, we’re committed to helping you make healthy choices, every day. That’s why our office locations across the globe are tobacco free. Citi gives you access to a wealth of tobacco cessation resources through RedBrick, our wellness partner, that have been proven to be effective by the Centers for Disease Control and Prevention (CDC), so you can live well, tobacco free.

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Need Help Quitting Tobacco?

US employees and their family members can get started right away by calling RedBrick at 1 (855) 814-5595 to learn more about the Live Well Tobacco Cessation Program (Monday - Thursday 8 a.m. to 11 p.m., Friday: 8 a.m. to 8 p.m., Saturday: 8 a.m. to 3 p.m. ET).

Citi gives you access to free resources so you can live well, tobacco free. With the Live Well Tobacco Cessation Program, you can participate in online or telephonic coaching. And, if you’re paying the tobacco penalty, you’ll stop once you complete the Live Well Tobacco Cessation Program through RedBrick (within one to two pay cycles of program completion). You will also receive a refund of the tobacco penalty payments that were made before you completed the Tobacco Cessation Program.

Note: If you are age 18 or over and are enrolled in the Citi medical coverage, you may be eligible to receive generic over-the-counter and generic prescription drugs, or Chantix smoking cessation products at no cost to you.

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Quit Now to Benefit Your Body—and Your Wallet

Know the difference between quitting tobacco today and waiting until tomorrow:

  • Save your life: According to the CDC, smoking is the leading cause of preventable death in the United States. Learn more.
  • Save your money:* If you complete the Tobacco Cessation Program, you’ll stop once you complete the Live Well Tobacco Cessation Program through RedBrick (within one to two pay cycles of program completion). If you’re a tobacco user, you’ll pay a $600 penalty on your Citi medical coverage and 25% more on Group Universal Life insurance premiums. And the costs don’t end there: The American Cancer Society calculated that the average price of a pack of cigarettes is $6.36, and for every pack you incur an average of $35 in health-related costs. Learn more.
  • Save your friends: There is no safe level of exposure to second-hand smoke. In fact, the World Health Organization suggests that it causes more than 890,000 premature deaths per year. Learn more.

 

Quit using tobacco with Citi’s help today.

* Applies to all Citi employees and spouses/partners in the United States.

For U.S. Employees

Online CoachingOnline Coaching

You can go online anytime and participate in an online Journey. The Be Tobacco Free Journey can help you obtain support, identify triggers and take small steps toward quitting.

Telephonic CoachingTelephonic Coaching and Nicotine Replacement Therapy (NRT)

Work one-on-one by phone with a RedBrick health coach to create a personalized plan that is tailored to your needs. You’ll be able to identify tobacco-use triggers and coping strategies, set a quit date, discover ways to prevent relapse, and more.

Earn Live Well RewardsEarn Live Well Rewards

 

You’ll earn Live Well Rewards when you complete the Live Well Tobacco Cessation Program. See the Rewards for Healthy Behaviors page for more information on this reward.

 

For Puerto Rico Employees

Use Puerto Rico’s variety of state resources, including a free “quit line” offering evidenced-based counseling. Learn more. If you’re enrolled in the Citi Triple-S medical plan, you also have access to group counseling (restrictions may apply).

For Canada Employees

Obtain free, confidential smoking cessation resources through the Employee Family Assistance Program (EFAP). Access the EFAP 24/7 by calling 1 (844) 880-9142, visiting www.workhealthlife.com or using the mobile app.

If you’re eligible for Group Benefits, you can get smoking cessation resources and tools and coverage for smoking cessation aids from the Manulife Wellness Centre through your medical plan.

Answers to Frequently Asked Questions

iconWhat is the Live Well Tobacco Cessation Program?

The Live Well Tobacco Cessation Program can help you overcome the physical, psychological and behavioral addiction to tobacco through online or phone coaching programs and nicotine replacement therapy, all at no cost to you. The program is available to all benefits-eligible Citi employees, even if they aren’t enrolled in a Citi medical plan, and spouses/partners who are enrolled in a Citi medical plan. Completing this program will allow you to stop paying the tobacco penalty on your medical coverage premiums.

iconWhat is the tobacco penalty?

You and your enrolled spouse/partner will each pay a $600 annual penalty ($23 per pay period for 26 pay periods) on your medical coverage premiums if you attested to using tobacco products when you enrolled in benefits and if you don’t complete the Tobacco Cessation program through RedBrick Health by September 30, 2020. Please note that if you are tobacco free and you don’t complete the Tobacco Free Attestation, you will also pay the tobacco penalty for you and your spouse/partner.

iconIf I or my spouse/partner completes the Live Well Tobacco Cessation Program in the middle of the plan year, can I stop paying the tobacco penalty before the next Annual Enrollment?

Yes. If you or your spouse/partner completes the program, you’ll stop paying the penalty as soon as administratively possible (within two pay cycles of program completion). Once the program is completed, you’ll receive a full refund of all penalty payments made during the 2020 plan year. You have until September 30, 2020, to complete the program.

iconWhat constitutes “completing” the Live Well Tobacco Cessation Program?

You or your spouse/partner must complete a minimum of four sessions with a tobacco cessation health coach if you’re participating in health coaching. If you’re participating in an online tobacco Journey, the program will be considered “completed” when you complete your Journey. You have until September 30, 2020, to complete the Live Well Tobacco Cessation Program. You’ll receive a full refund of all penalty payments made during the 2020 plan year. Note: While becoming tobacco-free is the goal of these programs, it’s not required in order to receive a full refund of your tobacco penalty payments.

iconWhich tobacco-focused Journey can I participate in to complete the Live Well Tobacco Cessation Program?

You or your spouse/partner can choose from any of the following Journeys to complete the Live Well Tobacco Cessation Program:

  • Not Ready to Quit
  • Make Your Date to Quit
  • Ready, Set, Stop Smoking
  • Stay On Track, Stay Quit

 

iconDo I need to notify the Citi Benefits Center when I complete the Live Well Tobacco Cessation Program?

No. Once you complete the Live Well Tobacco Cessation Program, the Citi Benefits Center will receive confirmation from RedBrick and will stop your penalty payments as soon as administratively possible.

iconWhen I complete the Tobacco Free Attestation, how do I know if I can consider myself a “non-user of tobacco”?

You’re considered a non-user of tobacco if you have not used tobacco (cigarettes, cigars, pipes) or any tobacco products in the past six months. Tobacco products include e-cigarettes and smokeless tobacco, such as chewing tobacco and snuff. As such, you wouldn’t be deemed a non-user of tobacco until you have completed six months without tobacco use.

iconWhy is Citi forcing employees and their spouses/partners to quit using tobacco products?

Citi isn’t forcing employees to stop using tobacco products. You are not required to stop using tobacco products. However, we take tobacco use and its harmful effects seriously, and tobacco use is a major driver of Citi’s increasing health care costs. It’s why our office locations across the globe are tobacco free. The Centers for Disease Control and Prevention estimates that an employee who smokes costs 18% more than a nonsmoker. We must work together to control our health care costs and encourage good health; your health impacts everyone’s bottom line. Quit using tobacco with Citi’s help today.

iconIf employees aren’t enrolled in a Citi medical plan, are they eligible for the Live Well Tobacco Cessation Program?

Yes. The free Live Well Tobacco Cessation Program is open to all benefits-eligible Citi employees, even if they aren’t enrolled in a Citi medical plan.

iconI’m not enrolled in a Citi medical plan. Am I subject to the tobacco penalty?

No. Only employees and their spouses/partners who are enrolled in a Citi medical plan are subject to the penalty.

iconIf I quit using tobacco products on my own instead of through the Live Well Tobacco Cessation Program, can I stop paying the penalty mid-year and have all my penalty payments refunded?

Yes. You must complete an affidavit that says you quit using tobacco products on your own and send it to the Citi Benefits Center. This form can be found on the Forms and Claims page on Citi Benefits Online. You’ll receive a full refund of all penalty payments in the current year once the outside tobacco cessation program is completed.

iconI don’t use tobacco products, but I didn’t complete the Tobacco Free Attestation when I enrolled in my benefits, and now I’m paying the tobacco penalty. How can I stop paying the penalty?

Any employee who didn’t complete the Tobacco Free Attestation when he or she enrolled in benefits and who’s enrolled in a Citi medical plan will begin paying the tobacco penalty as of January 1, or as soon as administratively possible after he or she enrolls in benefits and didn’t complete the tobacco-free attestation. In order to stop paying the penalty, you must call the Citi Benefits Center via ConnectOne at 1 (800) 881-3938. From the ConnectOne “benefits” menu, choose the “health and insurance benefits as well as TRIP and spending accounts” option. You can speak with a representative to discuss discontinuing the tobacco penalty from 8 a.m. to 8 p.m. ET, Monday through Friday, excluding holidays.

iconHow will I know if I am paying the tobacco penalty? What will it look like on my pay statement?

Your pay statement won’t show the breakdown of your Live Well Rewards and/or penalties. It will show only the final cost of your medical coverage for a given pay period after any additions or subtractions. You can view these details and find out whether you’re paying the tobacco penalty by visiting Your Benefits Resources™ (YBR™), available through My Total Compensation and Benefits.

Sign in using your Single Sign-On password. Under "Want to Get to Our Best In Class Vendors Fast?" click on "Health and Insurance (YBR)." Next click on “View Your Coverage Costs.” This page will show all your medical plan costs as well as any penalties and/or incentives you’re receiving. In addition, your confirmation of benefits enrollment (which will be mailed to your address on record after the Annual Enrollment period) will indicate if you’re paying the tobacco penalty.