Enrolling for Benefits

If you’re ready to enroll, or if you’re not quite ready yet, you’ve come to the right place. Look around for the tools and information you’ll need to make sure you’re making the right benefit choices for you and your family. Once you’re ready, visit our enrollment website platform and select your benefits. But don’t delay! You have 31 days from your date of hire to enroll for your benefits.

Here’s Your Handy Enrollment Checklist!

Follow these six steps to ensure a successful enrollment.
Step #1: Get acquainted with your coverage!
Take a look around this website, the State’s virtual benefits fair. You’ll find videos and other materials from our insurance carriers, customized for our employees. You’ll also be able to access decision tools, brochures, and other helpful details about the plans and programs available to you as an employee of the State.

For a deeper dive, the State’s Office of Employee Benefits website provides a comprehensive overview of your benefits programs and includes helpful links, carrier materials, and videos.

What to Know

You’ll be able to elect the following benefits:

Step #2: Compare your options
Use all available resources to help you determine the plans that best fit the needs of you and your family. For customized help, talk with or text ALEX, our decision tool, to help you weigh your plan options, based on your own personal situation. ALEX can help you understand how the plans work and compare premiums or co-shares and out-of-pocket costs for each option.
Step #3: Log in to Workterra to make your elections

When you’re ready to enroll, log in to Workterra, the State’s online enrollment system.

What to Know

Your username is the first initial of your first name + your full last name (no hyphens, apostrophes, spaces, or titles) + the last four numbers of your Social Security number (e.g., jsmith1234).

The Company is Rhode Island (not case sensitive; space between “Rhode” and “Island” is required).

If you need help using Workterra, contact the Office of Employee Benefits, or refer to the Workterra User Guide.

Step #4: Don’t miss out on savings opportunities

The State offers several plans and programs that can save you (or help you earn) money. Most of these plans allow you to make your benefit payroll contributions with pretax dollars so that you pay less in taxes. We call these the tax-advantaged plans. Consider enrolling in the State’s tax-advantaged plans for additional savings opportunities.

What to Know

  • The State contributes to a tax-advantaged health savings account (HSA) for you if you elect the Anchor Choice medical plan. You can contribute to your HSA, too.
  • You may elect a health care flexible spending account (FSA) to help with your out-of-pocket health care expenses, as long as you are not enrolled in the Anchor Choice medical plan. That plan comes with the Health Savings Account for medical expenses. If you enroll in the Anchor Choice medical plan, you can elect a limited purpose healthcare FSA to help cover dental and vision expenses.
  • Enroll in the deferred compensation plan for a retirement savings account that is funded with pretax paycheck contributions.
  • Elect a dependent care spending account (DCSA) to help with eligible dependent care expenses (like day care, preschool, after-school care, summer camp, etc.).
  • And if you’re thinking about setting aside some money for your child’s college, consider the CollegeBound Saver plan.
Step #5: Pick Your Person!

Once you’re enrolled, make sure to elect beneficiaries for your benefits that provide a payment to an individual (or individuals) in the event of your death.

What to Know

Step #6: Double Check

Mistakes happen! Review your elections on the Workterra confirmation statement page. Be sure to check to see that everything listed is accurate and that you’ve elected coverage for your dependents, if applicable. Once your enrollment window closes, you will not be permitted to make a change to your coverage until the State’s Open Enrollment period in the fall of 2024 unless you experience a qualifying status change.

> How much should you stash? How much should you set aside? Which plan would your wallet love most? ALEX® may have answers. Watch this “Meet Alex” video for a brief introduction.

Still Can’t Decide?

Follow State employee Bob as he walks through his Anchor plan options in the “Understanding Your Anchor Medical Plans” video.