[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-279850-105":53,"doc-detail-279850-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","risd-benefits-open-enrollment-communication-2024-2025","RISD Benefits Open Enrollment Communication - 2024-2025","","RISD’s annual Benefits Open Enrollment runs Monday, October 28 through Friday, November 15, 2024, with benefit elections taking effect January 1, 2025. The communication highlights what changes in 2025, including an 11% increase in Healthcare Contributions, the introduction of the PrudentRx specialty drug copay assistance program, and updated 403(b) contribution limits. It explains what remains unchanged (dental premium rates), required actions in Workday, key dates for the benefits website and fair, and guidance on opting into PrudentRx to avoid a 30% coinsurance cost.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/risd-benefits-open-enrollment-communication-2024-2025/279850/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/risd-benefits-open-enrollment-communication-2024-2025/279850.png","ImageObject",442,249,{"name":88,"@type":89},"Skyler","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-26","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":30},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"When does RISD Benefits Open Enrollment take place, and when do changes become effective?","Question",{"text":108,"@type":109},"Open Enrollment runs from Monday, October 28 through Friday, November 15, 2024. 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RISD continues to be committed to offering our employees high-quality, competitive insurance coverage. We continually work with our consultants and vendors to review, research, and understand changes in legislation, market conditions, trends, and product options.  \nChanges you make during Open Enrollment become effective January 1, 2025. Detailed information on the 2025 benefit offerings will be available on RISD’s Benefits website on October 28, 2024 .  \nRemember, this is your once-a-year chance to make changes to your benefits, such as updating your coverage or adding dependents, unless you experience a Qualifying Life Event (QLE) during the year. If you choose not to make changes, the elections you have for 2024 will roll over into 2025 .  \nBelow, read more about important dates, benefits enhancements, and actions you can take.  \n\n| When is Open Enrolment? | ● Monday, October 28 to Friday, November 15, 2024\u003Cbr>● Benefits selected during Open Enrollment become effective January 1, 2025 |\n| --- | --- |\n| What’s changing in 2025? | ● Healthcare Contributions will increase by 11% for both employees and RISD, in line with trend across institutes of higher education as well as the continued trend of rising costs of healthcare in the United States.\u003Cbr>● Introduction of a new specialty drug copay assistance program called PrudentRx, with more details below.\u003Cbr>● Contribution limits for the 403(b) account are changing (set by the IRS; see table below) . |\n| What’s not\u003Cbr>changing in 2025? | ● The premium rates for our dental plan will stay the same. |\n| What actions do I need to take? | ● Between October 28 and November 15, 2024, review your existing benefit elections and costs and evaluate your options for 2025 in Workday. |\n| Where can I learn more about RISD’s 2025 benefit offerings? | ● Review  RISD’s Benefits website to learn about available benefits and rates.\u003Cbr>● Attend the Benefits Fair on Wednesday, October 30, 2024 from 10:00 a. m. to 2:00 [p. m. in](p. m. in) the 20 Washington Place Lobby.\u003Cbr>● Sign up for a 30-minute, one-on-one appointment via Zoom or in-person with HR, here. |\n\n\n|  | ● Ask questions via the [benefits@risd.edu](benefits@risd.edu) email account. |\n| --- | --- |\n\nIntroducing PrudentRx  \nIn 2025, RISD will start a new partnership with PrudentRx to help employees and covered dependents benefit from the copay assistance programs available from drug manufacturers for certain specialty medications for highly complex and chronic health conditions. PrudentRx is a service offered through our existing prescription drug program with CVS.  \nYou will be contacted directly and confidentially by the PrudentRx team in November if you and/or your dependent are taking a specialty medication that is eligible for copay assistance. When enrolled, the cost foryour specialty medication will be low or nothing.  \nImportant: For those taking a specialty drug, please opt into this program when contacted by PrudentRx. If you opt out of participating in the PrudentRx copay assistance program or do not enroll, you will pay 30% coinsurance for your eligible specialty medications.  \n\n| 2025 Pre-Tax Savings Contribution Limits |  |\n| --- | --- |\n| 403(b) | ● The IRS has not yet published the 2025 limits; the 2024 limit is $23,000 with a $7,500 catch-up contribution for employees age 50 and over.\u003Cbr>● 403(b) changes can be made at any point in the year and therefore are not included in your Open Enrollment elections. For instructions on how to change your 403(b) elections, click here. |","cbCaipmZaNeZk4h6","https://ap.wps.com/l/cbCaipmZaNeZk4h6","pdf",206991,"English","# Open Enrollment dates and effective date\n# What’s changing in 2025\n# What’s not changing in 2025\n# What actions employees need to take\n# Where to learn more about 2025 benefits\n# Introducing PrudentRx\n# 2025 pre-tax savings contribution limits (403(b)","[{\"question\":\"When does RISD Benefits Open Enrollment take place, and when do changes become effective?\",\"answer\":\"Open Enrollment runs from Monday, October 28 through Friday, November 15, 2024. Elections made during this period become effective January 1, 2025.\"},{\"question\":\"What key changes should employees expect in 2025?\",\"answer\":\"Healthcare Contributions increase by 11% for both employees and RISD. The PrudentRx specialty drug copay assistance program is introduced, and 403(b) contribution limits are changing as set by the IRS.\"},{\"question\":\"What do I need to do in Workday during Open Enrollment?\",\"answer\":\"Between October 28 and November 15, 2024, review existing benefit elections and costs, then evaluate 2025 options in Workday.\"}]","RISD Benefits Open Enrollment Communication - 2024-2025 | PDF"]