Still have questions or need additional assistance?
Contact Benefits using the HR Helpline, (814) 870-3747 or email benefits.operations@erieinsurance.com.
Frequently Asked Questions
Frequently Asked Questions
Answers to some of your most common questions about Open Enrollment.
Enrolling in Benefits
What is passive enrollment?
Last year, we transitioned to a passive enrollment, meaning most of your benefit elections will automatically carry over to the next 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 need 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.
Is the digital platform accessible outside of ERIE’s firewall?
Yes. The digital platform can be accessed outside of ERIE’s firewall, so you and your dependents can conveniently review the educational materials — however, you’ll need to use a desktop device logged in to ERIE’s VPN to complete your enrollment.
Where can I review educational materials to help me make enrollment decisions?
ERIE is pleased to introduce digital delivery of enrollment materials outside of ERIE’s firewall. You and your family members can access all the information you need to make the best benefit decisions anytime, on any device.
What happens if I made a mistake on my enrollment?
During Open Enrollment (November 3 – November 14): 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 17, with a Confirmation Statement, confirming your 2026 benefits elections. Review it thoroughly to verify coverage accuracy for you and your dependents. You have until November 25 to correct any errors by emailing benefits.operations@erieinsurance.com. Legal restrictions prevent any changes to your elections after this deadline.
How can I double check and review my benefit elections?
You will receive an email to your Erie Insurance email address on November 17, with a Confirmation Statement of your 2026 benefits elections. Review it thoroughly to verify coverage accuracy for you and your dependents.
I need help deciding which health plan option is best for me. What resources can help me?
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.
Also, check out the Choosing a Medical Plan Option Video to learn more.
If you are not yet a UnitedHealthcare member, visit the pre-member website, whyuhc.com/erieinsurance.
As a part-time employee, what benefits can I elect?
Wagmo Pet Wellness and Identity Protection.
I am on a full-time leave of absence during Open Enrollment – how do I make changes to my benefit elections?
Employees on a full-time leave of absence do not have access to the benefits online enrollment system. Your current health, dental, vision, life and optional benefit elections for you and your covered dependents will automatically carry over to the 2026 plan year if you have not returned to work or if you do not submit the enrollment form (located on the 2026 benefits digital platform), by November 14, 2025.
You must be actively at work to enroll or re-enroll in the Health Care Flexible Spending Account or Dependent Care Flexible Spending Account and to make a change to the Critical Illness, Supplemental Group Life Insurance, the Accidental Death & Dismemberment, or the Dependent Life Insurance. Contact Benefits using the HR Helpline at (814) 870-3747 within 31 days upon your return to work to make changes or enroll.
Health Plan
Health Plan
Why are my monthly health care contributions increasing?
ERIE’s health care costs continue to increase — the company-paid health expenses reached over $93.4 million in 2024. 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 $551 per month, whereas an ERIE Employee will pay $107 for Health2.
How much are my monthly contributions increasing?
For 2026, health plan premiums are increasing 5%, or approximately $1 - $17 per month depending upon plan option and coverage tier. Dental and vision contributions are not increasing.
Why should I use an in-network UHC provider?
UnitedHealthcare (UHC) negotiates on ERIE’s behalf to achieve favorable rates vs. out-of-network providers. Additionally, out-of-network providers in many cases retain the right to balance bill for services rendered. We also recommend you see a UHC provider designated as a Premium Care Physician, which indicates they are high-quality and cost-effective. That said, our plan is designed to give Employees choice, along with shared responsibility for the associated cost.
Tax-Advantaged Plans
Tax-Advantaged Plans
If my spouse works at ERIE, how much are we each able to contribute to our Health Care FSAs?
You may each contribute up to $3,400 to your respective health flexible spending accounts.
If my spouse works at ERIE, how much are we each able to contribute to our Dependent Care FSAs?
The maximum contribution is $7,500* 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 $160,000 per year) may contribute up to $2,500. This lower limit is necessary so ERIE’s plan can comply with applicable IRS requirements.
Where can I learn more about FSAs and HSAs?
Visit the Benefits Video Library to watch short videos on topics such as How to Use Your FSA and How to Use Your HSA. You can also visit HealthEquity’s education center.
Dependent Eligibility Verification
Dependent Eligibility Verification
Will I be required to provide documentation such as marriage and birth documents for my newly added dependent(s)?
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.
Where can I learn more about the Dependent Eligibility Verification?
Visit ERIEweb > Info Center > Dependent Eligibility Audit to learn more. If you have questions, please contact the iVerifyPro Dependent Eligibility Verification Assistance Center Helpline directly at 877-894-2697, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET.
Dependent Life Insurance Coverage
Dependent Life Insurance Coverage
My spouse and I are both Employees of Erie Insurance Group. Can I receive the dependent life insurance proceeds for a claim related to my spouse?
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.
My spouse and I are both Employees of Erie Insurance Group. Can we both receive the dependent life insurance proceeds for a claim related to our shared eligible dependent child?
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.
My eligible dependent child and I are both Employees of Erie Insurance Group. Can I receive the dependent life insurance proceeds for a claim related to my eligible dependent child?
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.
Critical Illness Coverage
Critical Illness Coverage
Where can I find more information about voluntary critical illness coverage?