2025 Benefits

We’re committed to providing you with benefits, programs, tools and resources that promote a healthy lifestyle, encourage your personal wellbeing and provide the right support for you and your loved ones.

Important Reminders

• Cigna is moving to digital-only ID cards starting January 1, 2025. Learn how to access your digital ID card and see FAQs about this. If you’d prefer a physical ID card, you can request one at myCigna.com.
• You can continue using your current medical ID cards next year if are continuing with the same elections. If you changed an election for 2025, you will receive a new ID card(s). Everyone enrolled in UnitedHealthcare (UHC) will receive a new ID card(s) due to the change from UMR to UHC.
• If you added a dependent for the first time, you must submit verification documentation to confirm that the dependent is eligible for coverage. Documentation can include a marriage certificate, birth certificate or adoption papers, a copy of a court document/order that grants you legal custody and either legal conservatorship, or legal guardianship, and other documents to prove your dependent’s eligibility.
• If you need to provide Evidence of Insurability (EOI) for Voluntary Life Insurance, your coverage will not be effective until Unum approves your EOI. To confirm if you need to complete anything related to EOI, you can log into the Alera Group Benefits Center and check your dashboard for any EOI-related tasks. 
• Set up your personalized account(s) through your carrier(s), if you haven’t already. After you set up your account, you can find plan details, access electronic ID cards, search for participating providers, and submit and manage your claims. 
• Review and update your Alera Group 401(k) Retirement Savings Plan contributions and investments to make sure you’re on track to meet your retirement income goals. While you’re logged into your account, review and update your beneficiary designations, too. 
• To review and update your beneficiary designations for other benefits, you can log into the Alera Group Benefits Center.
• Keep these 2025 benefits updates in mind:
  • Our health plans are now provided by UnitedHealthcare (replacing the previous UMR/Accolade plans).
  • Plan members may be able to access GLP-1 medications for weight loss by participating in ModifyHealth. ModifyHealth is a nutrition and wellbeing support program providing home-delivered, medically tailored meals while also offering dietitian support, remote patient monitoring, medication and education.
  • The Enhanced DPPO plan now includes adult orthodontia at no added cost to your rates.

Updating Your Elections Throughout the Year

If you have a qualifying life event during the year, you may be able to update your elections within 30 days of the event through the Alera Group Benefits Center. You must provide supporting documentation, which is subject to approval by Alera Group. Qualifying life events include marriage, birth/adoption, divorce/legal separation, change in dependent eligibility, loss of coverage, spouse’s gain or loss of employment, or court action.

To update your benefit elections within 30 days of a life event:

• Log into your account.
• On the left side of the screen, click “change your elections.”
• Select the applicable Life Event.
• Follow the prompts to update your elections.

Life event benefit elections become effective on the first of the month following the event date, except for new hire elections and election updates after the birth of a child. New hire and birth elections become effective on the date of eligibility.

When You Have Questions or Need Assistance