What’s the difference between long-term care (LTC) and long-term disability (LTD)?
Long-term care and long-term disability may sound similar, but they’re completely different coverages.

• Long-term disability (LTD) replaces a portion of your pay when you’re unable to work because of an illness or injury that lasts for more than 52 weeks. Eligible Workmates are automatically enrolled in LTD, paid for by Workday.
• Long-term care (LTC) provides a benefit to help cover the costs of services like home health care, hospice services, and nursing facilities when you’re unable to perform activities of daily living, such as eating, bathing, and dressing. You have two options for LTC—a Unum plan and a new Trustmark plan.

During 2025 Annual Enrollment, you can purchase LTC coverage from Trustmark. Unless you’re a new hire, you will need to complete evidence of insurability forms or get a health exam.  

Have questions about policy amounts, eligible expenses, or the enrollment process? Call AGIS at 877-485-2318, or email LTCHelp@AGIS.com for assistance.

The LTC plan with Trustmark offers a slightly different type of policy—one that blends life insurance and LTC options. 

AGIS can help explain what LTC is, how it works, how the Unum and Trustmark plans compare, and why it may work for your situation.

No. Workday Payroll doesn’t deduct the premiums you pay to Trustmark for your LTC policy. If you purchase a Trustmark policy, the AGIS team will assist you with setting up a payment method. If you ever leave Workday, your coverage (and premium payments) will continue uninterrupted. 

Note: You won’t see your Trustmark LTC plan coverage in Workday. Refer to the policy confirmation and documents provided by Trustmark for your records.

You can enroll in LTC during Annual Enrollment, and your policy will be effective December 1, 2024.

Nope!

Each of these are separate plans offered through Unum that cover different circumstances. What they all have in common is a wellness benefit that’s available each year from Unum just for getting routine preventive care. You can claim the Unum wellness benefit for each plan and each covered family member every year! Do the math, and you’ll see just how affordable some extra coverage can be.

Good news! Contributions are decreasing for 2025.

Annual contribution limits are increasing. For 2025, you can contribute up to $23,500 on a pretax or post-tax basis. If you’ll be age 50+ in 2025, you can contribute an additional $7,500.

Yes, and it’s pretty sweet. The Student Debt 401(k) Match Program is a student loan repayment option that works alongside your 401(k).

As of 2024, Workday is allowed to treat your student loan payments the same way your 401(k) contributions are treated, so that you can get the full Workday match. This means that if your student loan payments plus your 401(k) contributions equal 6% of your annual pay, you’ll get the full matching contribution from Workday.

At the end of 2025, if you haven’t contributed 6% of your pay to your 401(k) and you’re enrolled in the Student Debt 401(k) Match Program, Fidelity will determine how much you paid toward your student loans. Then, in January 2026, Workday will make a true-up matching contribution to your 401(k) with your student loans factored in. If you’re already enrolled in the Student Debt 401(k) Match Program, you don’t need to take any further action. Your enrollment will carry over into 2025.

Expect additional information from Fidelity in November if you’re currently contributing less than 6% of your pay each year to your 401(k).

No. Workday will match 50% of the first 6% of your pay that you contribute to either your 401(k) or student loan payments combined (up to the plan maximums). There’s no requirement as to how you split up your contributions. All Workday matching contributions will go into your 401(k).

You must enroll on Fidelity’s website. Your enrollment will ensure that we’re able to confirm your student loan payments throughout 2025.

Your contributions and the max annual limit for wellness benefits are changing in 2025. Review the new rates on the Pet Insurance page.

Just like medical insurance for humans, it depends on the plan you select. There are two PetPartners plans for you to choose from. Compare the plans. A big advantage of the PetPartners plan is that it offers coverage for cats and dogs with preexisting conditions. It doesn't seem like the SMM has been on the docs page before, so lets skip for now

You’re smart to ask this one! The PetPartners plan includes waiting periods for preexisting conditions, but they offer Prior Coverage Credit if the condition was covered by a prior policy. Need some help with the insurance-speak? Give PetPartners a call at 800-956-2495.

PetPartners requires you to enroll in pet insurance during Annual Enrollment or following a qualifying life event. Their qualifying life events include some exciting ones, like adopting a new pet or the birth of puppies or kittens. Puppies! Kittens!

You’ll need to complete your application for coverage on the PetPartners website. As part of purchasing a policy, you’ll be asked for your pet’s information and to authorize PetPartners to deduct premiums for coverage from your Workday paycheck. Keep in mind that, unlike other pet insurance, the PetPartners plan is a group insurance policy, and you can’t make changes during the year unless you (well, you and your pet) have a qualifying life event.

Just like medical insurance for humans, it depends on the plan you select. There are two PetPartners plans for you to choose from. Compare the plans. A big advantage of the new PetPartners plan is that it offers coverage for cats and dogs with preexisting conditions.

If you’d like to elect coverage with PetPartners, visit their website, and provide your pet’s (and your own) details during Annual Enrollment. Unlike other individual pet insurance policies, you can only enroll with PetPartners when first hired, during Annual Enrollment, or following a qualifying life event.

Not at all! Because this is a new plan that you enrolled in directly with PetPartners, your Workday enrollment event won’t yet show the coverage and deductions you elected. After Annual Enrollment is closed, PetPartners will notify Workday of your coverage elections and deduction amounts, and the benefits team will update your Workday data. Be on the lookout for your policy documents and confirmation directly from PetPartners shortly after you enroll on their site.