Open Enrollment Dates
Held each November, Open Enrollment gives you an opportunity to review and change your benefit coverage for the following year, with changes going into effect January 1.
Outside of Open Enrollment, you have 45 days to enroll as a new employee or make changes related to a Qualifying Event.
Choose Your Coverage
Invest a Little Time in Understanding Your Benefits
Life at XPO can be pretty busy, but if you can invest a little time in learning about your benefits or testing what you think you know, we think you’ll find it’s time well spent.
- Watch the short videos we put together for you.
- Think about your benefit needs for next year.
- Think about your family’s benefit needs.
- Challenge your assumptions about why you choose your current benefit options.
- Are you taking advantage of tax-saving opportunities?
- Check out other tools and resources, like the interactive medical plan comparison tool on myXPO.
Confirm Coverage for Your Dependents
Go to myXPO or speak with an XPO Benefit Center representative to review your dependents’ coverage and update personal information. Remember, if you are adding a dependent, you will be asked to verify dependent eligibility with documentation and provide the dependent’s Social Security Number. You will have 60 days to provide documentation.
XPO conducts random audits of covered dependents of employees. Employees covering dependents who were not previously verified will be asked to provide proof of eligibility within 60 days of the request. It is very important that you ensure the dependents you are covering are eligible and remove coverage for any ineligible dependents during Open Enrollment.
Any dependent found to be ineligible for coverage as a result of a random dependent verification audit will have coverage canceled.
Confirm Your Beneficiary Information
Enrollment is a good time to review your beneficiary designations and update them, if necessary. You can do this while enrolling online at myXPO or by calling the XPO Benefit Center.
Confirm Your Tobacco User Status
Each year during Open Enrollment, we ask you to verify your tobacco user status. If you or your covered spouse uses tobacco, you pay an extra $100 per month for medical coverage. If you are or your covered spouse is a former tobacco user (e.g., you completed an approved tobacco cessation program in the past and had the surcharge removed), your status will roll over year to year automatically.
Learn more here.
What Happens If I Don't Enroll?
In general, your elections will carry over into next year, except for Flexible Spending Accounts (FSAs). You will not be enrolled in the Health Care FSA and/or Dependent Day Care FSA unless you make this election. You will not be able to change your elections until the next Open Enrollment period, unless you experience a Qualifying Event and report the change within 45 days of the event date.
Changes During the Year
You can only make changes to certain pre-tax benefits during the year if you experience a Qualifying Event as defined in the Benefits Plan Summary Plan Description (SPD).
If you experience a Qualifying Event during the year, you can make changes appropriate for the type of life event within 45 days of the event date. Visit myXPO or call the XPO Benefit Center.
See Changing Your Benefits for more information.
You can enroll yourself and your family in XPO benefits. Be sure you know who’s eligible before you choose coverage.
You are eligible if you are a full-time employee.
You may also cover members of your family. Eligible dependents are:
- Your spouse
- Your children through the end of the calendar year in which they reach age 26. Eligible children include:
- Your natural and adopted children (including children placed with you for adoption)
- Stepchildren who live with you
- Disabled children
- Children for whom you have legal guardianship