Benefits Information

Benefits Support & Enrollment

Making decisions about your benefits may come with some questions. Resources and support are available to guide your decisions, so you can feel confident and prepared for the year ahead. 

  • Nemours Benefits Support  – Our navigation and advocacy resource, providing support for and understanding of your benefits; visit online or call 844.460.2817
  • Nemours Benefits Enrollment  – Detailed information and helpful guidance regarding all the benefits available to you. Browse your coverage options, select the plan that’s right for you and your family, and enroll in your benefits with just a few clicks. Questions? Call 888.624.2387
  • NEW! Benefits Fairs – Meet vendors, compare options, and get your questions answered. Associates can grab snacks, participate to win a prize, enjoy a sleep class and/or a HIIT Body workout while getting information to help make informed decisions.
  • Benefits counselors – Click the link to schedule an appointment
  • Virtual and in-person information sessions (general information and benefits-specific)
  • NEW! Navigating Annual Enrollment live support – every Friday engage in real-time, virtual enrollment support with our Total Rewards team or send an email to [email protected]
  • NEW! Chatbot support – A new benefits chatbot is available 24/7 to answer your common questions instantly (you must be logged into the Nemours network to access this tool)
  • Comprehensive FAQs
  • Informational videos

Helpful Reminders

Annual Enrollment Dates & Login Instructions

Single Sign-On

  • If you are signed on to the Nemours network at work or at home through VPN, you can access the Nemours Benefits Enrollment portal without entering a username or password. The enrollment link can be found through Harmony. From the Nemours Net homepage:
  • Click on the Harmony tile on the right-side of the page
  • Click on the Navigator on the top-left corner of the Harmony home page
  • Click on “Show More”
  • Under Nemours Applications, click on Health and Insurance Benefits.

How to Log On – Outside of the Nemours Network

  • First-Time Users
    • Go to www.NCHBenefits.org.
    • Create your user ID and password by selecting “REGISTER.” You will be prompted to enter your first name, last name, date of birth and Social Security number. Click “NEXT.”
    • Create your password, choose your security question and answer. Click “NEXT.”
    • Review the Terms of Use; if you accept, click on “I AGREE.”
    • Click on the “Login” button.
    • You are now able to access your account.
  • Returning Users
    • Go to www.NCHBenefits.org.
    • Enter your username and password; click on the “Log In” button.
    • If you have forgotten your username, click on the “Did You Forget Your Username?” link.
    • If you have forgotten your password, click on the “Did you Forget Your Password?’ link.

2026 Enrollment Year: Action Required for Some Benefits

  • Your current benefits (medical, dental, vision, life insurance, etc.) will automatically carry over into 2026. However, there is still action required for the following:
    • If you wish to change your medical, dental, and/or vision plan elections to a plan other than what you chose in 2025.
    • If you enrolled in the SAVI plan, you have to re-attest. If you do not login and answer the SAVI attestation question, your coverage will not roll over.
    • Flexible Spending Account (FSA) elections do not roll over. You must make a new election each year if you want to contribute, even if you want the same amount as last year (this includes health care, limited purpose, dependent care, parking or transportation). You will have to submit a new election if you wish to make contributions for 2026.
    • Check and update your personal contact information to make sure you receive your medical insurance card. If you work remotely (full-time or hybrid), confirm your work location is correct. Review dependent eligibility to avoid claim reversals and non-insurance coverage that is your responsibility.
    • Income-based Health Reimbursement Arrangement (HRA) enrollees must reapply using the one-page application and your prior year’s tax return(s).
    • If you are a new hire, have a status change or experience a qualified life event (QLE) such as marriage or the birth of a child in the last quarter of 2025 (during or after the annual enrollment period), you will need to make benefits elections for both 2025 and 2026 for your benefits changes to be active for both years.
  • You may make changes to your benefits elections during the enrollment period but be sure to click on “SUBMIT MY ELECTIONS,” then click on the ACCEPT button to complete the enrollment process. If you fail to complete this final step, your changes will NOT be saved for 2025.
  • Benefits selected during annual enrollment will be effective Jan. 1, 2026 (except those requiring insurance company approval).
  • If you are adding an eligible dependent to the Nemours benefits plans for the first time, you will be asked to provide documentation such as a birth or marriage certificate to verify his/her/their eligibility. When you complete your enrollment, you will be able to upload your applicable documents to the Nemours Benefits Enrollment portal. You don’t need to add these when you enroll, but keep in mind that your dependent(s) will not be enrolled with the carriers until the required documentation is supplied and eligibility approved. The deadline to submit documentation is Dec. 31, 2025.
  • We strongly encourage everyone to log in to:
    • Review all benefits to ensure they still meet both you and your family’s needs
    • Re-elect FSA contributions
    • Re-attest to the SAVI question
    • Verify your personal information and eligible dependents
    • Make sure your beneficiary information is up to date

What’s new for 2026?

We’re making several important changes to benefits for 2026 based on associate feedback and evolving healthcare needs, including:

  • $0 copays for Teladoc urgent care across all medical plans
  • $0 copays and reduced deductibles for all pediatric primary care, specialist, mental health, and telemedicine visits through the Nemours Children’s MyChart app 
  • $0 copay for other insulin products used to administer or deliver insulin added to the preventive care benefits list
  • New names for our medical and dental plans to more clearly identify each
  • New, simplified medical ID cards
  • Ultrasounds and MRIs added to preventive breast cancer screenings
  • Expanded preventive care benefits with no cost sharing for the Low PPO with HSA plan (formerly the Green plan)
  • Personalized weight management assistance, including GLP-1s, lifestyle changes, medical guidance, and health coaching through Vida Health
  • Moderate medical and dental premium increases depending on full-time, part-time, and wellness program participation
  • Expanded pharmaceutical savings with Rx Savings Solutions (RxSS) to help you save money across all types of prescription drugs
  • Continued PTO buyback program, offered after annual enrollment from Nov. 29-Dec. 5, 2025
  • Removal of the tobacco surcharge
  • A new leave of absence administrator: Lincoln Financial Group
  • Extended annual enrollment period with more time to choose your benefits; there will be no correction window
  • More ways to learn about your benefits including new in-person and virtual benefits fairs, 24/7 chatbot and more

Although not new, we want to highlight a few special features about some of our offerings:

Income-Based Health Reimbursement Arrangement

For lower-income associates who qualify based on household income, there is an opportunity to apply for the Income-based Health Reimbursement Arrangement (HRA). This would provide assistance with your copays, deductible, and coinsurance. This benefit is available with our High PPO (previously the Red plan), EPO (previously the Blue plan) and Mid PPO (previously the White plan). You must complete a one-page application and submit it with your prior year tax returns.  

If you are currently using the benefit, you will have to reapply for 2026. For additional information on eligibility, see the HRA FAQs and/or contact Nemours Benefits Support by calling 888.624.2387. 

2026 Associate Wellness Program

Nemours Children’s wants to reward you for engaging in healthy activities. That’s why you can earn 20% off your medical insurance premiums with the Associate Wellness Program! Complete the activities by Nov. 30, 2025, to save hundreds of dollars on your medical insurance premiums for the 2026 plan year. Please visit the Navigate Wellbeing Solutions portal for more information. Please note that any associate who is hired, rehired or has an eligibility change after Sept. 1, 2025, will automatically qualify for the discounted rates for 2026. 

Health & Wellness

Medical & Pharmacy

Nemours offers comprehensive medical coverage, including prescription drug coverage for associates and their eligible dependents. Associate contributions are made on a pre-tax basis. 

There are four levels of medical benefits plus the SAVI plan. Associates and their eligible dependents enrolled in our medical plans also have access to additional specialized benefits targeted for specific health needs.  

Summaries of Benefits and Coverage (SBCs) are available on this site’s Resource Library to help you compare and understand the health plan options available to you. 

  • High PPO plan (previously the Red plan)  
  • High PPO plan with HRA*
  • EPO plan (previously the Blue plan) 
  • EPO plan with HRA*
  • Mid PPO (previously the White plan) 
  • Mid PPO with HRA*
  • Low PPO with HSA (previously the Green plan)
  • SAVI plan*

*Special eligibility rules apply

We encourage you to use the chart below to compare the various medical plan options; there’s also a quick video for more details.

Nemours Children’s Health prescription drug benefits are administered by Express Scripts and are included in each of the four medical plans. Your medical plan ID includes your pharmacy coverage. Please see Express Scripts’ pharmacy plan overview and/or watch this brief video for more details about prescription drug benefits; information about specialty medications and our new prescription savings plan is available in the Health & Wellness section of the Resource Library.

Benefits Summary — Medical Plans

Use filters below to view the different plans or download medical plans comparison chart.

Plan Benefits* High PPO
(previously the Red Plan)
 EPO
(previously the Blue Plan)
 Mid PPO
(previously the White Plan)
 Low PPO with HSA**
(previously the Green Plan)
In-Network Out-of-Network1 In-Network ONLY (EPO) In-Network Out-of-Network1 In-Network Out-of-Network1
Deductible with Nemours Pediatrics
Deductible
Coinsurance (what you pay)
Out-of-Pocket Maximum (includes deductible, coinsurance and co-pays)
$250 per child
$500 Individual / $1,000 Family
20%
$4,000 Individual / $8,000 Family
Non Applicable
$1,000 Individual / $2,000 Family
40%
$8,000 Individual / $16,000 Family
$300 per child
$600 Individual / $1,200 Family
20%
$4,000 Individual / $8,000 Family
$600 per child
$1,200 Individual / $2,400 Family
30%
$4,000 Individual / $8,000 Family
Non Applicable
$2,400 Individual / $4,800 Family
50%
$8,000 Individual / $16,000 Family
$1,700 per child
$2,500 Individual / $5,000 Family
20%
$5,000 Individual / $10,000 Family
Non Applicable
$5,000 Individual / $10,000 Family
50%
$10,000 Individual / $20,000 Family
Income-Based Health Reimbursement Account (if eligible)
$1,000 Individual / $2,000 Family
$1,000 Individual / $2,000 Family
$1,000 Individual / $2,000 Family
$1,000 Individual / $2,000 Family
$1,000 Individual / $2,000 Family
Non Applicable
Non Applicable
Employer HSA Funding
Non Applicable
Non Applicable
Non Applicable
Non Applicable
Non Applicable
$250 Individual / $500 Family
$250 Individual / $500 Family
Nemours Primary Care Office Visits
Nemours Specialist Office Visits
Primary Care Office Visits
Specialist Office Visits
$0 co-pay
$0 co-pay
$30 co-pay
$40 co-pay
Non Applicable
Non Applicable
40%
40%
$0 co-pay
$0 co-pay
$40 co-pay
$50 co-pay
$0 co-pay
$0 co-pay
$40 co-pay
$50 co-pay
Non Applicable
Non Applicable
50%
50%
20% after deductible
50% after deductible
Telemedicine
Urgent Care (Teladoc)
Behavioral Health (Teladoc)
Nemours Children’s MyChart app
 
$0 co-pay
$30 co-pay
$0 co-pay
Not Covered
 
$0 co-pay
$40 co-pay
$0 co-pay
 
$0 co-pay
$40 co-pay
$0 co-pay
Not Covered
 
0%
20% after deductible
0%
Not Covered
Wellness / Routine Care
Physical Exams/Vision Exam
Well-Child Care
Routine & Diagnostic Mammograms
0%
40%
0%
0%
50%
0%
50% after deductible
Diagnostic X-Ray & Lab Services
20%
40%
20%
30%
50%
20% after deductible
50% after deductible
Hospital Benefits, Surgical Benefits
Inpatient or Outpatient
20%
40%
20%
30%
50%
20% after deductible
50% after deductible
Emergency Room (co-pay waived if admitted)
Urgent Care Center
Ambulance Services
$250 co-pay
$50 co-pay
$50 co-pay
$250 co-pay
$50 co-pay
$50 co-pay
$250 co-pay
$50 co-pay
$50 co-pay
$250 co-pay
$50 co-pay
$50 co-pay
$250 co-pay
$50 co-pay
$50 co-pay
20% after deductible
20% after deductible
20% after deductible
20% after deductible
50% after deductible
50% after deductible
Mental Health / Substance Abuse
Nemours Pediatrics Outpatient Care Office Visits
Inpatient, Partial Hospital and Intensive
Outpatient Care Office Visits
 
$0 co-pay
20%
$30 co-pay
 
Non Applicable
40%
40%
 
$0 co-pay
20%
$40 co-pay
 
$0 co-pay
30%
$40 co-pay
Non Applicable
50%
50%
20% after deductible
50% after deductible
Chiropractic (30 days maximum per calendar year)
$40 co-pay
40%
$50 co-pay
$50 co-pay
50%
20% after deductible
50% after deductible
Short Term Rehab
Physical, Speech, Occupational, Cardiac or Cognitive Therapy
$40 co-pay
40%
$50 co-pay
$50 co-pay
50%
20% after deductible
50% after deductible
Other Benefits:
Fertility Benefits (2 Smart Cycles per family per lifetime)
Maternity Support
Type 2 Diabetes Management
Centers of Excellence (certain surgeries)
Weight Management
Virtual Physical Therapy
2nd Opinion
 
20%
0%
0%
0%
0%
0%
0%
Not Covered
 
20%
0%
0%
0%
0%
0%
0%
 
30%
0%
0%
0%
0%
0%
0%
Not Covered
20% after deductible
0%
0%
0% after $1,700 Single / $3,400 Family
0%
0%
0%
Not Covered
Prescription Drug
Generic
Rx Preferred Brand
Rx Non-Preferred Brand
Rx Maintenance Medications (90-day supply)
 
$10 co-pay
20% (min. $30, max. $60)
40% (min. $60, max. $120)
2.5 × co-pay or coinsurance
2.0 × co-pay or coinsurance (Nemours Onsite Pharmacy)
Not Covered
 
$10 co-pay
20% (min. $30, max. $60)
40% (min. $60, max. $120)
2.5 × co-pay or coinsurance
2.0 × co-pay or coinsurance (Nemours Onsite Pharmacy)
 
$10 co-pay
20% (min. $30, max. $60)
40% (min. $60, max. $120)
2.5 × co-pay or coinsurance
2.0 × co-pay or coinsurance (Nemours Onsite Pharmacy)
Not Covered
 
20% after deductible
$10 co-pay for non-ACA preventive generic
100% for ACA preventive generic
Not Covered
Prescription Drug Specialty**
20% (min. $100, max. $200)
Not Covered
20% (min. $100, max. $200)
20% (min. $100, max. $200)
Not Covered
20% after deductible
Not Covered

* Percentages indicate what you pay. ** If more than one person is covered in the Low Plan with HSA, the full family deductible must be met before benefits are paid.

1 All out-of-network benefits are subject to balance billing. If there is a discrepancy between the information here and the plan document, the plan document governs.

** Specialty medications included on the SaveOnSP drug list may be filled through the SaveOnSP program at significant cost savings to you. Manufacturer assistance for drugs on the SaveOnSP list requires program enrollment and will not be used to satisfy the deductible and out-of-pocket maximum.

Dental

Nemours provides dental benefits through Delta Dental. There are three levels of dental coverage: 

  • Premier with Ortho (previously the Red plan)
  • Complete with Ortho (previously the Blue plan) 
  • Basic Care (previously the White plan)

Contributions are taken on a pre-tax basis. Preventive services on the dental plans do not count toward your annual maximum paid by Delta Dental. Click here to compare plan benefits and watch this video for more details.

Vision

Nemours offers a voluntary vision program through Vision Service Plan (VSP) on a pre-tax basis. There are two levels — the Premium option and the Base option. VSP is a PPO plan and offers you the freedom to seek care from any provider that you wish. If you use an in-network (participating) provider, you will generally pay a copay. If you utilize an out-of-network provider, you may be reimbursed the amount shown below. Children are covered with the associate. We encourage you to watch this quick video for more details.

Benefits Premium Base
Eye Exam (1/year) $10 co-pay $10 co-pay
Single Vision, Lined Bi-focal, Lined Tri-focal and Lenticular Lenses $25 co-pay $25 co-pay
Progressive Lenses $0 – $175 co-pay, depending on type of lenses $0 – $175 co-pay, depending on type of lenses
Frame (Premium: every year; Base: 2 years) $180 – $200 allowance, 20% discount on balance, ($100 Costco & Walmart/Sam’s Club allowance) $130 – $150 allowance, 20% discount on balance, ($70 Costco & Walmart/Sam’s Club allowance)
Contact Lens Services (exam & fitting) Up to $60 co-pay Up to $60 co-pay
Contacts (instead of glasses) $150 allowance $120 allowance
Out-of-Network Benefits
Exam — up to $40 Lined Bifocal Lenses — up to $50 Progressive Lenses — up to $50
Frame — up to $70 Lined Trifocal Lenses — up to $65 Contacts — up to $105
Single Vision Lenses — up to $30    

Specialized Health & Wellness Benefits

*Must be enrolled in one of the four medical plans to use this benefit

Payroll Contributions

Associate payroll contributions for the medical/pharmacy and dental plans will be taken by automatic payroll deductions each pay period. Please see the rate sheets for specific details.

Health Plan Costs

Nemours is committed to helping you manage your healthcare costs and will continue to cover the vast majority of benefits costs – about 85%. Associate contributions will increase slightly by $1.82 to $27.70 twice-monthly, pre-tax, depending on job status (full-time or part-time), wellness program participation, the plan you choose, and who is covered. 

Remember, taking an active role in your own health care can help keep costs down:

  • Ask about the price of services and talk with your doctor about treatment options.
  • Reach out to Nemours Benefits Support for coordination of benefits. They are your one-stop shop for all benefit-related programs and services.
  • Programs like RxSS,  2nd.MD, and Carrum Health and others are designed to help you get the best care at the lowest cost. 
  • Regarding prescriptions, try generic medications, compare pharmacy pricing, and check eligibility for co-pay assistance under the SaveOnSP program with Express Scripts.
  • Use telemedicine or urgent care instead of the emergency room.
  • Take advantage of wellness resources to stay healthy and participate in the Associate Wellness Program to earn points for healthy activities to enjoy a discount for your medical premiums.
  • If you are comfortable with a high deductible, consider the Low PPO with HSA plan (previously the Green plan), where you have lower premiums and get the triple tax advantages of an HSA. Plus, Nemours will contribute funds to your HSA!
  • If you are eligible and enrolled in an applicable non-Nemours insurance plan, consider the SAVI plan, where all your out-of-pocket expenses up to the ACA maximum are paid at 100%.

Childcare

We understand that supporting your family is essential to your well-being and success at work. That’s why Nemours offers comprehensive resources designed to make parenting a little easier. Whether you need backup care when your regular arrangements fall through, access to quality early childhood education at our Wilmington Child Development Center, academic tutoring support for school-age children, or discounts on childcare and camp programs, we’re here to help. These benefits are designed to give you peace of mind and support your children’s growth and development at every stage.

Convenience & Lifestyle

Paid Time Off

Nemours values your time—both at work and away from it. We offer a comprehensive time-off program that includes paid time off (PTO) for rest and personal needs, paid holidays to spend with family and friends, and volunteer time off (VTO) to give back to your community. Our approach recognizes that time away from work is essential for your health, happiness, and work-life balance. Whether you need time to recharge, celebrate, care for your family, or make a difference through service, we’ve designed these benefits to support you throughout the year.

Discounts & Travel Services

Those associates with term life coverage have access to TravelConnect services through Lincoln Financial at no additional cost. Whether you need help with an illness or injury, lost passport, missing luggage or even a prescription refill, associates and their dependents have access to a personal travel emergency companion anytime you are more than 100 miles from home.

Nemours also offers several discount programs specializing in entertainment, shopping and travel including:

  • PerkSpot – discounts on travel/hotels, restaurants/dining, car purchases/rental, and much more
  • TicketsatWork – discounts on theme parks/attractions, movie tickets, shows/concerts and sporting events

Family & Life Transitions

Building and caring for your family is one of life’s most meaningful journeys, and Nemours Children’s is committed to supporting you every step of the way. From family planning and fertility assistance to pregnancy support, parental leave, and beyond, we offer comprehensive resources designed to meet you wherever you are in your family life. 

Whether you’re considering adoption, navigating fertility treatment, welcoming a new baby, breastfeeding, managing menopause, or transitioning to Medicare, our programs provide expert guidance, financial assistance and personalized support. These benefits reflect our commitment to supporting the whole you—at every stage and transition of life including:

*Must be enrolled in one of the four medical plans to use this benefit

Specialized Transitions:

Life’s most challenging moments require compassionate support and practical resources. Nemours is here to help you navigate difficult transitions with care, whether you’re facing personal stress, grief and loss, mental health concerns, legal matters, or other life-changing events. Through confidential counseling, peer support, legal assistance, and specialized grief resources, we provide the help you need when you need it most. These services are designed to ease your burden during tough times and connect you with expert guidance so you can focus on healing and moving forward.

Financial Protection, Planning & Retirement

Planning for your financial future and protecting what matters most is essential to your peace of mind. Nemours Children’s offers a range of benefits designed to help you build financial security, manage healthcare costs and prepare for the unexpected. From life insurance protection and disability coverage to tax-advantaged savings accounts and expert financial coaching, these resources give you the tools to make smart financial decisions today while safeguarding your tomorrow.

Managing Healthcare Costs

Whether you’re looking to reduce out-of-pocket healthcare expenses, protect your income, or get personalized guidance on budgeting and planning, we’re here to support your financial well-being at every stage of your career.

*Special eligibility rules apply

Education, Retirement & Specialized Financial Services

Investing in your future—whether through education, retirement savings, or financial protection—is one of the most important steps you can take for long-term success. Nemours provides robust resources to help you advance your career through tuition assistance and student loan support, build a secure retirement through multiple savings options and expert planning tools, and protect your financial identity. 

Education:

Retirement Planning:

Specialized Financial:

Voluntary Insurance

Sometimes life throws unexpected challenges your way, and having extra financial protection can make all the difference. Nemours Children’s offers a range of voluntary insurance options that you can purchase to supplement your core benefits and provide additional security for you and your family. These payroll-deducted plans help cover out-of-pocket costs associated with accidents, serious illnesses, hospital stays, disabilities and long-term care needs. Whether you’re looking for added income protection, help with medical expenses not covered by health insurance, or planning for future care needs, these supplemental coverage options give you the flexibility to customize protection based on your unique situation and priorities including:

Annual Enrollment Checklist

  1. Participate in one of the many annual enrollment-related venues, such as our new Benefits Fairs or information sessions.
  1. Read through the information on this site including the FAQs and the 2026 Nemours Benefits Guide.
  1. Login to the enrollment system at NCHBenefits.org (using the website or app)
    • Access the enrollment portal during the annual enrollment window
    • Confirm you can log in successfully before the deadline
  1. Important: Review and update your personal information
    • Confirm home address is correct in Harmony (ensures ID cards arrive correctly)
    • Confirm phone number and email on file on enrollment portal
  1. Important:  Review and verify eligible dependent(s)
    • Verify that all your dependents are eligible to ensure compliance and insurability of your family members.
    • For your ease upon review, below is a list of who is deemed to be an eligible dependent including:
      • Legal spouse
      • Biological or adopted children*
      • Stepchild of legal spouse*
      • Children for whom you are the court-appointed legal guardian*
      • Foster child to age 18
      • Children with a required Qualified Medical Child Support Order (QMCSO)*
      • Disabled dependents: Dependent adults over age 26 may be eligible if they are deemed disabled prior to the age of 26, rely on you for support, and required documentation is provided.
        • Remove any ineligible dependents to avoid future claim reversals (non-payment for medical, dental, vision, and/or life insurance claims due to ineligibility and compliance of the plans)
        • Confirm each dependent’s name, date of birth Social Security number, and relationship in the system
        • Be prepared to upload documentation if requested (marriage certificate, birth/adoption records, guardianship, disability documentation)

    *Coverage age: The above child(ren) are covered up to the last day of the month in which they turn 26.

  1. Review and select medical, dental and vision coverage
    • Review current plan elections
    • Decide if your current plans still meet your needs for 2026
    • Compare plan options and costs for the new year
    • Add or remove dependents, if applicable
  1. Action required:  SAVI plan
    • Answer the eligibility question regarding SAVI
    • Re-elect SAVI and save your election
  1. Action required: Flexible Spending Account(s) (FSA)
    • Decide contribution amounts for:
      • Health Care FSA
      • Dependent Care FSA (childcare needs for dependents under age 13 or eldercare)
    • Double-check contribution amounts reflect your expected expenses
  1. Review and select Health Savings Account (HSA)
    • Review your current election
    • Adjust contribution for 2026 if needed
  1. Review and select voluntary benefits and insurance
    • Review life insurance and disability coverage
    • Check voluntary benefits (accident, critical illness, hospital indemnity, etc.)
    • Make changes if coverage needs have changed
    • Update beneficiaries, where applicable
  1. Review your retirement planning

    2. Although you can make changes at any time to your 403(b)-retirement plan, it is important to take this time to conduct a review of your retirement plan’s elections. Additionally, there are changes to what the Internal Revenue Service (IRS) allows for contribution limits, so make sure you are taking full advantage of those limits along with some changes to catch-up contributions under the IRS Secure Act 2.0.  For more details, please refer to the Nemours Benefits Guide.

    • Visit Fidelity’s website
    • Review current 403(b) retirement contributions and investment elections
    • Adjust contribution amounts or make investment exchanges, if desired
    • Designate a beneficiary for your retirement assets
  1. Final review and submit
    • It is important that you take the time necessary for you to carefully review all elections for accuracy
    • If you have a spouse or a child who works for Nemours, you cannot enroll them in your coverage if they cover themselves. For families, only one parent can cover the child(ren).
    • Once you elect your benefits, make sure you click on, Submit My Elections. Then, click the Accept button. If you miss this step, your choices will not be saved.
Welcome FAQs