There are more Annual Enrollment questions and answers available!
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When does evidence of insurability (EOI) apply?
You must take a health questionnaire before you’ll be approved for voluntary life insurance coverage if:
- You enroll in over $500,000 of voluntary life insurance coverage
- You enroll in over $50,000 of voluntary life insurance coverage for your spouse or domestic partner
AD&D coverage increases don’t require EOI. You may elect and/or increase AD&D coverage for yourself, your spouse, and/or your eligible children without EOI. Voluntary life insurance coverage for your children doesn’t require EOI either.
How do I complete EOI if required?
Workmates who need to complete EOI will see a task in Workday beginning November 21 that includes a link to the Unum EOI application.
Tip: If you accidentally click Submit too soon on the Workday task, you can still access the task through the EOI Announcement or navigate to the Unum site. Go to Workday, select the Benefits app, then look for the Unum EOI option in the External Links section.
Why has my life insurance premium increased?
Our life insurance rates aren’t increasing for 2025, but you’re another year older. That might mean your life insurance premium goes up. Just time marching on! Check the rates by age.
What’s the difference between long-term disability (LTD) and salary continuation?
The Workday Salary Continuation program supports you while you’re on a leave of absence. After 52 weeks, if you’re still unable to return to work due to a qualified health condition, long-term disability (LTD) may apply.
What is the difference between imputed income for LTD coverage and a pretax Workday-paid benefit?
It all comes down to when taxes will apply. If your coverage is paid pretax (or 100% by Workday), then any benefits you receive from the plan later—for example, if you become disabled—are taxable in the year you receive payment. On the other hand, if you pay for the coverage with post-tax dollars (or in this case, by having imputed income applied), the benefits you receive from the plan are not taxable.
Where can I find more information about disability and leaves of absence?
Don’t stress about it too much. You don’t need to do anything special to enroll in disability and leaves of absence benefits. These are provided automatically by Workday for your protection. If you’re still curious, learn more at WorkdayBenefits.com.
I live in California. Do I need to have California VDI coverage?
California law says you must have either Workday Voluntary Disability Insurance (VDI) or California State Disability Insurance (SDI). However, you’re allowed to switch. While both plans cost the same, the Workday VDI plan provides a richer benefit, meaning it’s much better protection for you.