Welcome to Our U.S. Benefits Program, Benefits4Me!

We’re thrilled to have you as part of our organization. As a new employee or recent transfer to the U.S., you now have access to Benefits4Me, our comprehensive benefits program that goes far beyond the basics. Our broad range of benefits and programs offers something for everyone across all life stages and personal situations.

Follow the steps on this checklist to learn about what we offer and what you need to do and when, so you can take advantage of everything available to you.

A Note for U.S. Transfers

Keep in mind that U.S. benefits, especially the ones related to healthcare, may be different from what you are used to. Review the information included here and work with Included Health with to ensure you’re prepared for those differences.

  • Watch this video to learn more about Benefits4Me, the benefits you must elect to have coverage, how to enroll in them, and the programs and resources available to you at any time.
  • Browse this site for additional detail about all of our health and wellness, behavioral, savings and financial, and voluntary benefits. This site is meant to be a “one-stop-shop” to find the information you need to help you make the best decisions for yourself and your family. In addition to plan details, you can also find links to supporting forms and resources and contact information for questions.
  • As you review our available benefits, the answers to the following questions will help you prepare to enroll. Ask yourself:
    • What family members, if any, do you want to cover under our benefits? See Healthcare Eligibility for details.
    • What are your needs and your family’s healthcare needs? Are you expecting any major medical events (such as surgery or the birth of a child) in the coming year?
    • Would you prefer to pay lower premiums in exchange for higher costs at the time of care, or vice versa?
    • How much dental and/or vision coverage will you and your family members need?
    • Do you need to set money aside for healthcare, dependent care, and/or transit expenses?
    • Do you need to elect benefits that offer additional financial protection in case of the unexpected, like Disability, Life, and/or Accidental Death & Dismemberment (AD&D) Insurance?
  • Contact Included Health with any benefit questions. Sometimes it helps to talk to someone about what makes the most sense for your situation and budget. Included Health is available to help you think through your options now and then navigate your benefits throughout the year.

Use the Decision Support Tool

When you begin your enrollment, choose the option for Decision Support. You’ll answer a few questions, and the engine will give you a personalized benefits recommendation based on your unique needs.

  • Gather the birth dates and Social Security numbers of any dependents you wish to cover, as well as documents that verify their eligibility, such as a marriage license or birth certificate. See Healthcare Eligibility for details.

  • Make time to designate your beneficiary(ies) for your life and AD&D coverage (on Benefits4MeEnroll.com), and your 401(k) Savings and Investment Plan or Health Savings Account (on netbenefits.com).
  • Within 45 days of your start date, enroll in or waive enrollment in our 401(k) Savings and Investment Plan. If you do not enroll or waive participation, you will be automatically enrolled, contributing 6% of your eligible compensation, into the Vanguard Target Retirement Trust Plus Plan that has a target retirement date closest to the year you turn 65.


Once enrolled, you can change your contribution amounts and investment allocations for your 401(k) at any time on the Fidelity website.

If you do not enroll within 31 days, you will only receive the Company-provided Short-Term Disability (STD), basic LTD, and basic Life and AD&D insurance as your default coverage. You will also not be able to elect or change any of the benefits listed above until the next Annual Enrollment period (held each fall), unless you experience a life event during the year.

For tips and tools to help you make the most of your health benefits, check out Health Benefits 101.

Did you know?

At the End of the Year, You May Have to Enroll Twice

If you’re newly eligible for benefits and begin employment during or after the fall Annual Enrollment, you will be required to process two enrollment elections:

  • A New Hire enrollment, for benefits coverage you would like until the end of the calendar year. You have 31 days from your date of hire to complete your New Hire enrollment.
  • An Annual Enrollment election, for benefits coverage beginning January 1 of next year. You must enroll by December 31 to have coverage on January 1.

Please be sure to complete the New Hire enrollment first, then the Annual Enrollment, to ensure you have the proper coverage beginning on your date of hire or eligibility date.

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