Frequently Asked Questions

Starting with this Open Enrollment, most of your benefit elections will automatically carry over to the next year. This is called “passive enrollment." Starting this year, your current health, dental, vision and voluntary benefit elections, including supplemental life insurance, identity protection and critical illness coverage, will continue year-to-year until you make a change to them.

Passive enrollment means that action is needed only when:

• you want to take advantage of a new benefit offering
• you want to make changes to your current benefit elections or covered dependents
• you want to change your tobacco use attestation
• you are enrolled in a Health Care Flexible Spending Account (FSA), Dependent Care Flexible Spending Account (DCFSA) or Health Savings Account (HSA)

Passive enrollment does not apply to FSA, DCFSA or HSA elections. Enrollment for those tax-advantaged accounts is still needed each year.

During Open Enrollment (October 28 – November 8): You can log into myBenefits Open Enrollment as many times as you’d like to make changes to your elections.

After Open Enrollment: You will receive an email on November 11, with a Confirmation Statement, confirming your 2025 benefits elections. Review it thoroughly to verify coverage accuracy for you and your dependents. You have until November 19 to correct any errors by emailing benefits.operations@erieinsurance.com. Legal restrictions prevent any changes to your elections after this deadline.

Unsure which UnitedHealthcare plan option is right for your family? Don’t guess—use HealthEquity’s plan comparison tool to make an informed decision. Find it at www.comparemyhsa.com/erieinsurance. Note: If you type in the URL, include the www. That ensures the tool automatically populates ERIE’s plan information.

If you are not yet a UnitedHealthcare member, visit the pre-member website, whyuhc.com/erieinsurance.

Wagmo Pet Wellness and Identity Protection.

ERIE’s health care costs continue to increase — the company-paid health expenses reached over $88.1 million in 2023. Because ERIE is self-insured, the company is ultimately responsible for the plan’s financial performance. ERIE Employees share a much smaller portion of costs than do employees at many other companies. For example, according to a Kaiser Family Foundation benefits survey, the average market cost for employee family health PPO plan coverage is $592 per month, whereas an ERIE Employee will pay $102.01 for Health2.

For 2025, health plan premiums are increasing 5%, or approximately $1 - $16 per month depending upon plan option and coverage tier. Dental and vision contributions are not increasing.

You may each contribute up to $3,200 to your respective health flexible spending accounts.

The maximum contribution is $5,000* per family.

*Highly compensated Employees (defined by the IRS as having earned income, which includes base compensation not withstanding any pretax deductions, bonuses, and any other taxable employee compensation, above $155,000 per year) may contribute up to $2,000. This lower limit is necessary so ERIE’s plan can comply with applicable IRS requirements.

Yes, under the plan rules, you will be required to verify the eligibility of newly added dependents to your benefits. Although required paperwork is not needed at the time of enrollment, ERIE partners with a third-party vendor “iVerifyPro” who performs quarterly dependent eligibility verification audits on ERIE’s behalf. Please be sure to respond promptly to the request for required documentation by the deadlines indicated to prevent termination of coverage for any unverified dependents.

Yes, if you are enrolled in the Group Dependent Life Insurance and your Employee spouse passes away, you can collect the dependent life insurance so long as the claim meets the criteria determined to be eligible and approved by our Life Insurance carrier MetLife.

Yes, if you are both enrolled in the Group Dependent Life Insurance and your eligible dependent child under the age of 26 passes away, both you and your spouse can collect the dependent life insurance so long as the claim meets the criteria determined to be eligible and approved by our Life Insurance carrier MetLife.

Yes, if you are enrolled in the Group Dependent Life Insurance and your Employee eligible dependent child under the age of 26 passes away, you can collect the dependent life insurance so long as the claim meets the criteria determined to be eligible and approved by our Life Insurance carrier MetLife.