Live Well at Citi Program

Physical activity has so many health benefits — it boosts your mood, your energy level and your metabolism. But finding time to exercise when your days are already filled with work, family and personal responsibilities is a challenge. Fortunately, even short exercise sessions can make a big difference. Find ideas and motivation through the Live Well at Citi program — join a fun challenge, work with a coach, track your exercise and much more.

Already registered? To continue your wellness journey, visit Virgin Pulse through My Total Compensation and Benefits, or sign in online or through the Virgin Pulse app.

New to Virgin Pulse or a spouse of a Citi employee? Sign up for an account online or through the Virgin Pulse app.

• Download app from the Apple Store
• Download app from Google Play

Use sponsor name “Citi” when registering on the app.

Make sure you’re getting the most from Virgin Pulse:

• Connect a fitness tracker to get credit for your steps, active minutes and sleep. You can sync many devices and apps (Garmin, Apple Watch, Fitbit and more!).
• Upload a profile picture and add some friends.
• Set your interests to get personalized daily tips to help you eat healthy, get or stay active, reduce stress, sleep well and more.
• Participate in activities designed to improve your health and take action to make positive changes to improve your physical, emotional and financial well-being, while earning rewards at the same time.

Individuals who track their progress toward a specific health goal are more successful than those who don't, according to research published by the American Psychological Association. Tools like fitness trackers and food journals really do work!

Use the online tools and coaching support available through the Live Well at Citi program to make setting and measuring goals easier.

Talk to a professional clinician and coach over the phone to get one-on-one support, expert guidance and help navigating your health care questions. When you participate in phone coaching, you will earn Pulse Points.

Want to learn more about saving, budgeting or managing debt? Looking for a better sense of where you stand financially? Watch an interactive mini-workshop (it takes just 10 minutes!) and/or complete a financial health assessment to earn Pulse Points!

Are you considering a major surgery or facing a complex diagnosis? Seek an expert medical opinion through Included Health for guidance on treatment and earn Pulse Points (one guidance reward per program year). You’ll also earn a reward when you first register with Included Health.

Sleepio is an online sleep improvement program that can help you get a good night’s rest. Complete activities like taking a two-minute sleep test, keeping a sleep diary and completing sleep sessions to earn Pulse Points.

Preventive care can help you stay healthy, and My Care Checklist can help you stay on track. Earn Pulse Points when you complete recommended preventive care actions such as receiving a dental cleaning, receiving a well visit and more.

Telehealth allows you to speak by phone or video with a board-certified doctor 24/7 for a diagnosis on minor, short-term issues, such as a fever or the flu. If you are enrolled in an Aetna or Anthem medical plan, visit the Teladoc website (Aetna) or LiveHealthOnline website (Anthem) to register for telehealth today. You’ll earn Pulse Points when you register and when you complete a telehealth session (one session reward per program year).

WINFertility offers industry leading fertility management services to help Anthem members receive the highest quality care and personal support along their fertility journey. If you’re enrolled in an Anthem medical plan, you or your Anthem-enrolled spouse/partner can register with WINFertility to earn Pulse Points (one reward per program year).

If you have diabetes, you can take control of your health at home or on the go with easy-to-use technology and expertise from registered nurses and dietitians. If you aren’t already enrolled and are invited to participate in the CVS Transform Diabetes Care program, you can enroll to earn Pulse Points (first time diabetes management members only).

With support from a registered dietitian and the easy-to-use Foodsmart app, eating healthier has never been easier. Simply choose what you’d like to work on, like cutting out sweets or portion control. Based on your input, tips will be provided to help you achieve your goals. You can also get ideas for meals that are designed to be healthy, build a shopping list and make a weekly meal plan. You will earn Pulse Points for things like tracking calories and adding recipes to your grocery list.

Develop lifelong skills for improving your mental and emotional health with RethinkCare’s digital learning programs. You can earn Pulse Points by completing evidence-based courses on mindfulness, resilience, self-awareness and more.

Want to exercise more? Better manage a health issue? You can use our digital coaching tool, Journeys, to make simple changes to your health, one small step at a time. You will earn Pulse Points when you complete a journey step and finish a whole journey.

The Anthem Engage app is designed to help you take charge of your health and well-being. For example, you can check what is covered under your medical plan and how much services will cost to help you make more confident health care decisions. If you are enrolled in Citi’s Anthem medical plan and registering your online account for the first time, be sure to register on the Engage app to earn Pulse Points.

Getting healthier and learning something new can be easier with friends. Join a group to stay motivated, chat with others and achieve goals together.

The Live Well Chronic Condition Management Program is designed to help you manage a chronic condition, such as heart disease or diabetes. If you are invited to participate, you will work with a nurse from your medical plan and earn Pulse Points. This activity qualifies for points just once per Live Well at Citi Program year, even if you participate in more than one program. You must be enrolled in a Citi Anthem or Aetna medical plan.

Having support during your pregnancy can help provide a healthy start for both you and your baby. If you’re enrolled in an Aetna or Anthem medical plan, complete a risk survey (Aetna) or an initial risk assessment (Anthem) and earn Pulse Points (one reward per pregnancy).

Individuals who participate will be matched with a professional physical therapist to receive an evaluation and personalized treatment plan that can be followed from the comfort of home. Participating in Sword offers several opportunities to earn Pulse Points, including after completing the onboarding process and after completing three sessions.

Go to the Rewards tab in your Virgin Pulse account to select a gift card.

Important Notes Regarding the Taxability of Your Gift Cards

Live Well Rewards are considered taxable income under the current U.S. Internal Revenue Code and you’ll be taxed when you earn rewards. 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.

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.”

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. 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.”

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.

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

Example: You reach Level 1 in June and earn a $10 Live Well Reward. You redeem it for an Amazon gift card in August. You will be taxed in June.

Yes, you may choose to donate your earned Pulse Points to a charitable cause. Go to the Rewards tab in your Virgin Pulse account to see the nonprofit organizations where your points can be donated. Charitable options for 2023 include the American Heart Association, National Park Foundation and Girls Who Code.

If you donate Pulse Points to a charitable organization, you will receive a receipt showing the dollar amount donated. After you make your donation, the receipt will be sent to your preferred email address.

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.

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 Rewards in separate gift cards with different merchants and retailers. Visit Virgin Pulse through My Total Compensation and Benefits or log in directly to see the gift card options available to you.

View the terms and conditions section below your card’s activation instructions to see any gift card restrictions. 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.

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.

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

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 Program at Citi 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.

Immediately after completing the last question on the Health Assessment, you will see your health score.

• You can also see the date you completed the Health Assessment at any time by viewing your Health Assessment on your Virgin Pulse account, available through My Total Compensation and Benefits.
• After you take the Health Assessment, you can view your Live Well Rewards at any time. Your Live Well Rewards are viewable on your Virgin Pulse account from the Rewards tab.

The Live Well Rewards Program plan year runs from October 1, 2022, through September 30, 2023. Earn the maximum Live Well Rewards by earning Pulse Points to reach Level 4 each quarter and completing action rewards that are available throughout the year.

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

Even if you completed the Health Assessment in the past, you must take it again each year between October 1 and November 14, to earn a $100 reduction on your paycheck deductions (or $100 Live Well Reward if you are not enrolled in Citi medical benefits) for the following plan year.

New employees who join Citi or transfer from an international business or assignment after September 27 may take the Health Assessment, but they will not be able to earn the $100 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.

New employees have 31 days to enroll in benefits. After they enroll, their eligibility information is sent electronically to Virgin Pulse to notify them 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 in order for Virgin Pulse to process the Live Well Reward in time for the following plan year.

Yes. You and your spouse/partner who is enrolled in a Citi medical plan can still take the Health Assessment, though you will not receive the $100 Live Well Reward.

For more information on the Health Assessment, employees can call Virgin Pulse at 1 (855) 814-5595, visit the Virgin Pulse website, or download the Virgin Pulse app to their Apple or Android smartphone.

Spouses/partners who are enrolled in a Citi medical plan can access the Virgin Pulse website once they’ve registered. The first time that your spouse/partner logs in, he or she will be prompted to create a user ID and password. If your spouse/partner has any issues registering his or her account, call Virgin Pulse for assistance at 1 (855) 814-5595.

You and your enrolled spouse/partner will each pay a $600 annual penalty ($23 per paycheck for 26 paychecks) for your medical coverage if:

• You attest to using tobacco products when you enroll in benefits; or
• You don’t complete the Tobacco Cessation program through Virgin Pulse by September 30; or
• You do not complete the Tobacco Free Attestation during Annual Enrollment, even if you are tobacco free.

You can avoid the tobacco penalty by attesting to being a non-user of tobacco or by completing the Live Well Tobacco Cessation Program by September 30.

Yes. If you or your spouse/partner complete the program, you will stop paying the penalty as soon as administratively possible (within two pay cycles of program completion). Once the program is completed, you will receive a full refund of all penalty payments made during that same plan year, if you complete the program by September 30.

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

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

• Consider Becoming Smoke-Free
• No Thanks, I’m Smoke-Free
• Prepare to Be Smoke-Free
• Ready, Set, Go Smoke-Free
• Stay on Track, Stay Smoke-Free

No. Once you complete the Live Well Tobacco Cessation Program, the Citi Benefits Center will receive confirmation from Virgin Pulse and will stop your penalty payments as soon as administratively possible, if it is completed by September 30.

You are 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 would be considered a tobacco user until you have not used any tobacco products for six months.

Citi is not forcing employees 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. This is the reason 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.

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

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

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 Documents page. You’ll receive a full refund of all penalty payments in the current year once your affidavit is completed, if it is received by September 30.

Any employee who did not complete the Tobacco Free Attestation when he or she enrolled in benefits during Annual Enrollment and who is 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 without completing 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.

Your pay statement will not 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 are paying the tobacco penalty by visiting Your Benefits Resources™ (YBR^™), available through My Total Compensation and Benefits.  

• 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 are 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 are paying the tobacco penalty.