2025 Employee Contributions

2025 HSA and FSA Guide

Eligibility Requirements

You are eligible to enroll in the Plan if you are a regular full-time employee who is scheduled to work at least 30 hours per week. New hire and rehire employees are eligible to participate in benefits the first of the month following the date of hire. If you are hired on the first of the month, benefits are effective the same day. See the table below for waiting period by benefits.

Eligible Dependents

You may also elect medical, dental, vision and voluntary life/AD&D coverage for your eligible dependents. An eligible Dependent is considered to be your:

• Legal spouse or domestic partner
• Natural child, step-child, or adopted child, of the associate or eligible domestic partner, or child for whom the associate or eligible domestic partner is the legal guardian, legally placed with the associate or eligible domestic partner for adoption, or supported pursuant to a court order imposed on the associate or eligible domestic partner up to age 26 regardless of student status or marital status, financial dependence on parents, residency with parents, or eligible for coverage under another health plan.

If enrolling dependents under your coverage, refer to the Dependent Verification section.

Note: Your dependents may not enroll in the plan unless you are also enrolled. If you and your spouse are both covered under the company’s benefit plan, you may each be enrolled as a participant or be covered as a dependent of the other person, but not both.

CA Times – Required Documentation for Dependent Verification

Affidavit of Domestic Partner and/or Domestic Partner Child(ren) Qualification and Guidelines

Make Changes to Your Benefits when Experiencing a Major Life Event

The choices you make during Open Enrollment remain in effect for the entire year (January 1 – December 31). In order to make changes to your benefit elections during the year, you must experience a qualifying life event (pursuant to the IRS Section 125 rules). This is also known as a special enrollment period. Qualifying life event (QLE) changes allow you to add, drop dependents or change your level of coverage. Changes must be consistent with the QLE.

Qualifying life events must be reported to Dayforce, our Benefits Administrator, within 30 days of the date of event. You may report your QLE via Dayforce Benefits Portal , or by calling the CA Times Benefit Department at 213-237-2165 Monday-Friday 8am-5pm PT.

See the Qualifying Life Event document for additional important information and useful examples.

Important: If you do not notify Dayforce within 30 days of the qualifying event, or you don’t provide required documentation within the deadline, you will need to wait until the next open enrollment period to make changes to your elections.