2027 Annual Enrollment
The 2027 annual enrollment period was held October 21 through November 4 and is now closed.
Any benefits changes made during annual enrollment will be effective January 1, 2027 and remain in effect throughout the 2027 calendar year unless you have a qualifying life event, such as marriage, divorce or birth of a child. However, if evidence of insurability (EOI) is pending for any life, accidental death and dismemberment (AD&D) or long-term disability (LTD) insurance as of January 1, that coverage will take effect upon the approval of EOI rather than on January 1. Most 2026 benefits will roll over to 2027 automatically; however, your life and accidental death and dismemberment (AD&D) insurance amounts may change.
What’s changing for 2027
Extended healthcare changes
There are some changes to the extended healthcare for 2027:
- The calendar-year deductible will be eliminated.
- The percentage of eligible expenses paid by the plan—known as coinsurance—will decrease from 100% to 85%. Your coinsurance share will be 15%.
- Individual practitioner benefit dollar limits will be replaced by a combined practitioner benefit of $1,500. In addition, massage therapy will be added to the practitioner benefits.
- The prescription maximum will increase to $25,000 annually.
New Health Care Spending Account
Segal will provide a company-funded Health Care Spending Account (HCSA) of $600 to each employee enrolled in Manulife extended healthcare benefits, regardless of coverage tier. You can use the HCSA to help pay eligible expenses that are not fully covered by healthcare plans. Unused credits may be carried over to the next plan year. Full details will be available on the Manulife website in 2027.
Introducing LifeSpeak
We recently introduced LifeSpeak as part of our Stay Well at Segal well-being benefits. LifeSpeak offers practical, expert guidance on fitness, nutrition, stress management and overall wellness, including videos, articles, tip sheets, live expert webinars, interactive Q&A sessions and other resources through the LifeSpeak mobile app and web portal.
What you will pay in 2027
For 2027, Segal will continue to pay the full cost of your extended healthcare and dental benefits, even though extended healthcare costs are increasing by nearly 8%. These increases are being driven by factors such as high-cost drugs, increased use of medical and paramedical services, carrier administrative fee pressures, physician shortages and other external cost pressures.
Employee rates for supplemental life and AD&D, spouse and dependent life and AD&D, and supplemental long-term disability are not increasing in 2027.
How to enroll
Use the instructions below to enroll or view the Health and Insurance Enrollment Instructions Video for step-by-step instructions. (Note: You must be on the Segal network to view the video.)
1. Explore your options.
Take a moment to explore this benefits site and learn more about your Segal benefits. Think about your current elections and how your needs may change over the next year.
2. Enroll in extended healthcare and dental with Manulife.
Make your extended healthcare and dental elections on the Manulife website.
3. Select the same extended healthcare and dental elections in HRConnect.
Make sure your medical and dental elections in HRConnect match what you selected in Manulife, including your coverage tier. In addition, review and update your basic life and accidental death and dismemberment beneficiaries in HRConnect.
You can access HRConnect via My Apps. If you are not in a Segal office, you must be connected to Versa. Once in HRConnect, select Me, then Benefits, then Enroll Now to get started. You can make changes in HRConnect as many times as you want during the annual enrollment period. Once the annual enrollment period is over, you will not be able to make any new elections for January 1.
4. Enroll in supplemental insurance coverage through The Hartford.
Use The Hartford website to review and update supplemental life, dependent life, AD&D and supplemental disability coverage elections. You can also update your beneficiary information for supplemental coverage.
Your username for The Hartford is your Segal employee number. Your temporary password has been reset to your first and last initials followed by your date of birth in MMDDYYYY format. For example, John A. Doe born on June 16, 1995 would enter JD06161995 as his temporary password. If you have questions or need help, call 855-EZ-NROLL (855-396-7655) Monday–Friday, 8 am to 8 pm ET.
5. Save a record of your elections.
After you submit your elections to Manulife, HRConnect and The Hartford, save or print your confirmations.
You must complete your benefits review and take any required actions in HRConnect by 11:59 pm on November 4, 2026 based on the time zone set in your HRConnect. Please make sure your time zone in HRConnect is set to your local time so your ability to make annual enrollment elections does not end early because of an inaccurate time zone.
You must complete your review and take any required actions in The Hartford by 11:59 pm CT on November 4, 2026.