Eligibility and Enrollment
Full-time or part-time benefits eligible employees (working at least 24 hours per week) are eligible to participate in Chubb’s benefits programs. New hires/rehires have 30 days from your date of hire to enroll in your benefits through the Chubb Benefits Portal. If you experience a life event, see below under ‘Life Event Changes’ for detail.
Enrollment checklist Review MyBenefits for an overview of your benefits options.
Access your account on the Chubb Benefits Portal.
Use the Ask Emma tool and other resources on the Chubb Benefits Portal to learn more about the options that work best for you and your family.
Enroll in your benefits on the Chubb Benefits Portal.
Save your enrollment details for future reference: email, PDF and print options are available.
Activate your Transcarent account to connect with a Health Guide 24/7 and get access to information, guidance and care options.
Coverage Level & Who Can Be Covered
Employee Only
Employee + Spouse/Partner
Employee + Child(ren)
Employee + Family
You may cover the following dependents as long as you are enrolled in a plan yourself and can provide documentation to confirm eligibility:
Your spouse/partner
You or your spouse/partner’s eligible children up to age 26 (their eligibility ends the last day of the month the child turns 26).
Your disabled children of any age, if they are covered under your medical plan and disabled prior to losing eligibility. They must also be legally or financially dependent as defined by the IRS for federal tax purposes.
Required: Proof of dependent(s) eligibility If you elect to cover dependents under a Chubb health plan, you will be asked to provide documentation (e.g., marriage, birth certificate, affidavit for partner) to confirm your dependent’s identity. You must submit documentation for each dependent within the specified timeframe or risk losing coverage for your dependent(s).
If you are required to provide documentation, you will receive more information and reminders about steps you need to take
What Will You Pay
You share the cost of medical insurance with Chubb in Pretax payroll deductions. You will see your bi-weekly costs for each plan as you enroll on the Chubb Benefits Portal. Your paycheck premiums for the medical plan will be based on the plan you choose, the network, the dependents you cover and the following surcharges:
Your tobacco-use status. Chubb medical plans include a tobacco premium surcharge for employees and/or covered spouses/partners who use tobacco products: $50 per month (one user) or $100 per month (both users). The tobacco attestation you made last year will automatically continue unless you change your attestation.
Your spouse’s/partner’s access to coverage. If you cover a spouse/partner who has access to medical coverage through his/her employer, a surcharge of $100 per month will be applied to your medical plan premiums.
Completion of biometric screening for you and your spouse/partner. If you or your spouse/partner did not complete the screening in 2023, your 2024 annual premium will show an additional annual amount of $625 or $1,250 depending on whether one or both of you did not complete the screening.
Life event changes
The benefits you elect will be in effect until December 31, unless you experience a qualifying life event, which includes (but is not limited to):
Marriage
Divorce, legal separation or end of partnership
Birth or adoption of an eligible child
Death of your spouse/partner or covered child
Loss or addition of other group coverage
Change in your spouse’s/partner’s work status
Change in your work status that affects your benefits
Change in residence that affects your eligibility for coverage
You or your covered dependent becomes eligible for Medicare
Your retirement
Changes must be made within 30 days of your qualifying life event and are effective as of the date of the event. To make the change, visit the Chubb Benefits Portal and follow the instructions. You may also call the Chubb Benefits Service Center toll-free at 1-844-58CHUBB.