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Benefits Open Enrollment  for Plan Year July 1, 2026 - June 30, 2027 runs from Monday, April 27, 2026 through 11:59 pm on Friday, May 8, 2026. During this time, you’ll have the chance to take a look at your benefits and decide if anything needs to change. Whether your needs have stayed the same or life looks a little different this year, this is the time to explore your options, make updates, and ensure your coverage works for you and your family. Take a few minutes to review the materials, ask questions if you need them, and make your selections before the deadline. 

Choose What You’d Like to Do

1. Ready to Enroll? Go directly to your task inbox or click the link in the Workday email notification. Don't forget to update your Beneficiary in Workday.
2. Keeping everything the same? If you take no action, your current benefits (except the FSAs) will carryover to the new plan year.
3. Need more information or talk with an expert? Continue scrolling, everything you need to know is here on this page.

Everything You Need to Know

• Open Enrollment starts on April 27th and ends May 8th at 11:59 pm
• Benefits & Wellness Fair will be held on Thursday, April 30th from 10 am to 1 pm in McGuire Hall
  Stop by to ask questions, get help enrolling online, or just take a break and get in some fun wellness activities
• Your Workday Open Enrollment task will be sent to your email inbox on Monday or access the link in your Workday task inbox
• Meet with Loyola's benefits consultant -
• Learn about  all benefit plans in the or ask
• Annual and Payroll Premiums - Administrators & Faculty
• Annual and Payroll Premiums - Biweekly Staff

Before You Begin

Review the , where everything you need to know about benefits is in one place
Get personalized enrollment advice, from our virtual benefits counselor, ® 
Retiring soon or medicare-eligible? Let navigate through your options

We continue to offer the Cigna HDHP, OAP-IN, and OAP Plans. There will be no plan design changes and no increases to the premium rates. The medical plans have a 5-tier rate structure. Premiums are equitably based on the cost of the different coverage levels. This structure also allows for differing circumstances and encourages employees and their families to explore medical plan alternatives that may be most advantageous to them. Available coverage levels:

• Employee Only

• Employee + Spouse/LDA

• Employee + 1 Child

• Employee + Children (2 or more children)

• Family (spouse/LDA and child(ren)

Wellness Compliance 

Beginning July 1, employees must log in to and complete the online health assessment. Cigna will automatically verify the completion of the annual physical exam therefore, employees and their enrolled spouse or Legally Domiciled Adult (LDA) are no longer required to manually enter the date of their physical exam. However, to earn the incentive, the physical exam must be completed between July 1, 2026, and October 31, 2026.

Employees are reminded not to submit the wellness screening form or any other documents in the myCigna portal, as Cigna will void any uploaded documents.

Medical plan premiums are reduced for employees who complete their Wellness Steps between July 1, 2026 and October 31, 2026. Employees who do not complete the required Wellness Steps by October 31, 2026 will not qualify for the reduced wellness premiums, and the higher non-wellness premiums will take effect starting with the first paycheck in December 2026.

High Deductible Health Plan (HDHP) enrollees are eligible to participate in the HSA. Employees wishing to participate must enroll in the HSA to receive Loyola's contribution of $ 800 (employee only coverage) or  $ 1,600 (two-party and family coverage). Employees are not required to contribute a specific amount however, they must at least indicate $ 0 to receive Loyola's contribution. Anyone who "Waives" enrollment will not be eligible for Loyola's contributions.

The IRS set an annual limit each calendar year. The 2026 annual limit is $ 4,400 for Individual coverage and $ 8,750 for Two Party and Family coverages. Payroll deductions can be changed mid-year without a qualifying life event. This is the only benefit plan that allows changes outside of the open enrollment period. Contact Bank of America with questions or assistance. Contact information can be found in the .

Employees, including current participants must actively enroll in the Health Care Flexible Spending Account (HCFSA) and/or Dependent Care Flexible Spending Account (DCFSA) every plan year. If current participants do not re-enroll their FSA coverage will end on June 30, 2026. This is an IRS requirement and must be strictly followed. Current participants should contact Optum Financial at 800-243-5543 if they have questions or need assistance with their account.

Health Care FSA

• • Rollover Provision
    • $ 660 of unused funds can be can be carried over to the new plan year.
    • re-enrollment is required.
  • Annual election limit for the Health Care FSA increased to $ 3,400.
  • Submit claims and receipts online.
  • Cannot enroll in both the HSA and Health Care FSA at the same time

Dependent Care FSA 

• • Annual election limit remains at $ 7,500.
  • Submit claims and receipts online.
  • Participants who are enrolled in both DCFSA and CCVP:
    • cannot be reimbursed over the annual limit ($ 7,500). 
    • reimbursements exceeding $ 7,500 will be taxable to the employee.

Additional Benefit Plans

Dental Plans  (Visit or call 1-800-942-0854)
Premiums will not increase for the Copay and PPO Plans. No plan design changes. Please refer to the Employee Benefits Guide or Workday for premium information.

Vision Plans  (Visit or call 1-800-877-7195)
Premiums will slightly increase but no changes to plan design. Please refer to the Employee Benefits Guide or Workday for premium information.

Life Insurance (Visit or call 1-800-796-3872)
Premiums for supplemental life insurance and dependent life plans will remain the same. No changes to plan design. New enrollment must be approved by Symetra in order to complete the enrollment process. New enrollees must complete the immediately after selecting the benefit plan. Symetra will notify employees of their approval or denial via email.  

Long-term Disability Buy-up (Visit Symetra or call 1-800-796-3872)
For the upcoming plan year, the LTD buy‑up plan rate will increase, and the cost‑sharing structure will be updated so that the buy‑up coverage is 100% employee‑paid. This change applies only to the optional buy‑up coverage. The core LTD plan continues to be provided at no cost to employees and remains 100% Loyola‑paid.

Voluntary Supplemental Benefits  (Visit or call 1-800-244-6224)
No changes to premiums or plan design for the Accident, Critical Illness, and Hospital Indemnity Plans.

The $ 50 Wellness Incentive will continue to be offered; however payment will no longer be automatically paid out. Participants will be required to submit a payment request after they have completed their annual physical exam.

Enrollment Education, Support and Engagement Opportunities

• Meet with Loyola's Benefits Consultant. Virtual meetings will be held on 4/27/26, 4/28/26, and 5/5/26.  .
• Meet in-person with TIAA's Financial Consultant on May 14, 2026 or June 16, 2026 on campus. or call 800-732-8353. 
• Stop by the Benefits and Wellness Fair on Thursday, April 30, 2026 between 10 a.m. and 1 p.m. and meet Cigna, MetLife, TIAA, and more.

Ready to Enroll

• Access the Open Enrollment task from your Outlook email or log in directly to   
• Click "Let's Get Started"
• You'll be directed to the Open Enrollment elections page where all benefit plans will be available for you to review, add, or change 
• Select "Manage" or "Enroll" under each plan to begin
• Remember to enroll in the FSAs, they do NOT carry over to the new plan year
• Be sure to review your elections before submitting your final enrollment
• If you need information during enrollment, refer to the or
• When you are finished be sure to review, sign, and submit your benefit elections

Get Help

• PSA Benefits Hotline at 877-716-6618 or loyola@psafinancial.com 
• Cigna OneGuide at 888-806-5042 or Live Chat at
• Loyola Benefits & Wellness 410-617-1365, 410-617-1366, 410-617-1368
• Loyola Office of People and Culture 410-617-2354 or people-culture@loyola.edu 

The information on this site is provided for general reference and may be updated or changed at any time. The University reserves the right to modify, amend, suspend, or discontinue policies or programs without prior notice.

While every effort has been made to ensure accuracy, in the event of any discrepancy, the official policy documents will govern. Please rely on the written descriptions in the policy manual, as oral explanations are not binding. Employees should contact the Office of People and Culture or the appropriate administrator for the most current and authoritative guidance.