Enrolling for Benefits

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.

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.

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

• Beneficiaries are required for life insurance, the Anchor Choice Plan’s HSA, your Employees’ Retirement System of Rhode Island (ERSRI) defined benefit plan, the 401(a) defined contribution plan and the 457(b) deferred compensation plan.
• You’ll need to elect a beneficiary for each plan separately; they are managed by different administrators.

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.