Culture & Benefits

Our comprehensive benefits program allows you to choose a combination of benefits to best meet your — and your family’s — needs.

  • Health Advocacy & Navigation Services
  • Medical
  • Prescription
  • Dental
  • Vision
  • Life & Accidental Death & Dismemberment
  • Long-Term Care
  • Short-Term & Long-Term Disability
  • Accident, Critical Illness & Hospital Indemnity
  • Identity Theft Protection
  • Pre-Paid Legal Plan
  • Flexible Spending Accounts (FSAs)
  • Health Savings Account (HSA)
  • Income-Eligible Health Reimbursement Account (HRA)
  • Retirement Plans
  • Financial Planning
  • Mortgage Loan Program
  • Wellness
  • Employee Assistance Program
  • Paid & Volunteer Time Off
  • Family-Forming benefits
  • Tuition Reimbursement
  • Travel Assistance

What (& When) Is Enrollment?

This is the time for you to make important decisions about your benefits. You can choose new plans, add or drop dependents, or even sign up for a flexible spending account (FSA). Spending time now to review your plans and make careful, informed choices can help you get the most from your benefits.


All new or newly eligible associates have 30 days from their initial benefits eligibility date to enroll or waive their benefits online.

Effective Date

Your benefits begin the first of the month following or coinciding with your hire or status change date. This is your waiting period. For example, if your first day of employment is Feb. 3, your benefits begin March 1. If your first day of employment is Feb. 1, your benefits begin Feb. 1. Your benefits remain in effect until Dec. 31 of each year and you may not make a change mid-year unless you have a qualified life event.

For Example

Sabrina started at Nemours on Feb. 1. A couple of days later (on Feb. 3), Sabrina went to see her doctor, but Sabrina hadn’t completed enrollment until her 15th day on the job. (Things were very busy in Sabrina’s department.)

Once Sabrina’s enrollment in a medical plan was complete, it retroactively went into effect from her first day on the job, and she was able to submit a claim to her new coverage provider for her Feb. 3 doctor visit. (The “effective date” of her new coverage was her start date, Feb. 1.)

If Sabrina had also seen the doctor sometime in January, before her Feb. 1 start date, that visit would NOT be covered by her new medical plan, as Sabrina’s coverage was not yet effective.

Who is eligible for benefits?   |   How do you enroll in benefits?   |   Coverage Effective Date Calculator

Annual Enrollment Period

Each year, Nemours hosts an annual enrollment period, which usually begins mid-fall (October/November) and is available for three to four weeks. This is your opportunity to review your benefits, to make changes or confirm your current benefits are right for you and your family. After the annual enrollment period closes, you will NOT have an opportunity to adjust your benefits until the next annual enrollment period UNLESS you have a status change or qualified life event during the year.

Qualified Life Events

If you experience a qualified life event (QLE), you may be able to make changes to your benefits elections mid-year. Examples of QLEs include marriage, divorce, birth of a child, adoption, loss of coverage and other specific events. You have 60 days from the date of the event to make changes online. Log on and go to “My Profile” or click on “My Benefits” to start a QLE change. You will be required to upload supporting documentation for all events. Any changes will be pended until the submitted documentation can be reviewed and approved. Once approved, benefits will begin on the first of the month following your election.

For Example

Sabrina had a baby boy. After a few long days (and nights), she logged on to our benefits portal and declared the birth event. She then went through and chose the benefits he needed, based on a pediatrician’s recommendations. She knew her son’s needs would change over time and she can opt to add coverages during annual enrollment for future plan years.

Dependent Verification

Who is eligible for benefits?

Eligibility Definition

Full-time associates working 30 – 40 hours a week or 0.75 – 1.00 full-time equivalent (FTE); part-time benefits-eligible associates working 20 – 29 hours a week or 0.50 – 0.749 FTE. Benefits are available after you have satisfied your new hire waiting period.

Your legal spouse.

Dependent Children:
Dependent children may be covered to the last day in the month in which the child turns 26. To be covered beyond the age of 26, a child must be certified as disabled prior to the age of 26 AND must be primarily supported by the associate.

The following children are eligible to be covered under the Nemours benefits plans, regardless of residence or financial dependency:

  • An associate’s biological or adopted child
  • An associate’s step-child (defined as the child of your legal spouse)
  • An associate’s legal ward
  • An associate’s foster child (to age 18 only, letter of placement required)
  • A child for whom an associate has a Qualified Medical Child Support Order (QMCSO)

According to the above requirements, the following dependents would NOT be eligible for coverage under Nemours benefits plans:

  • Opposite-sex and same-sex domestic partner
  • Common law spouse
  • Divorced or legally-separated spouse (where permitted by law)
  • Children who live in the associate’s home and are financially dependent but who are not legal wards of the associate (for example, grandchild or child of opposite-sex or same-sex domestic partner)

Dependent Verification

Any dependents added to the Nemours benefits plans—spouses and children — are subject to an eligibility verification process. If you elect dependent coverage, you will be asked to provide documentation (e.g., birth or marriage certificate, tax return, etc.) to verify your dependents’ eligibility. Please note, your dependents will not be enrolled for benefits until you have provided the required documentation and their eligibility has been verified. Dependent verification for new hires and those who experience a status change, must be completed within 30 days of their date of hire or status change date. For QLEs, documentation must be provided within 60 days of the date of the qualifying life event.

Spousal Surcharge

If your spouse is eligible for medical insurance through his/her/their employer but you elect to cover him/her/them on the Nemours medical plan, you will pay an additional $300 per month ($150 semi-monthly) in payroll contributions for this coverage. The surcharge is not applicable if your spouse does not have coverage available through his/her/their employer; your spouse does not work; your spouse works at Nemours; or your spouse is self-employed.

For Example

When Sabrina signed up for her benefits, she opted to cover her spouse, as well. Adding her spouse to Sabrina’s plan increased the total premium cost — not just for Sabrina, but also for Nemours. The premium cost that Sabrina is responsible for is what’s left after Nemours has paid its contribution, plus a spousal surcharge as Sabrina’s spouse is also offered coverage through a different employer. Sabrina must also submit documentation verifying that her spouse is an eligible dependent, in order for her spouse to have coverage on Sabrina’s benefits plan.

What (& When) Is Enrollment?   |   How Do You Enroll?

How do you enroll in benefits?


If you are signed on to the Nemours network at work or at home through VPN, you can access 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, clink on Health and Insurance Benefits


First-Time Users

  1. Go to
  2. Click on the “REGISTER” link
  3. Enter your first name, last name, date of birth and Social Security number; click “NEXT”
  4. Create your password, and choose your security question and answer; click “NEXT”
  5. Review the Terms of Use; if you accept, clink on “I AGREE”
  6. You are now able to access your account

Returning Users

  1. Go to
  2. Enter your username and password and then click on the “LOG IN” button
  3. If you have forgotten your password, click on the “DID YOU FORGET YOUR PASSWORD” link

First-Time Enrollment Information or Employment Status Change

You have 30 days from your date of hire or status change to enroll.

Once you’re ready to enroll, have the following information available:

  • Dependent names, birthdates and Social Security numbers
  • Documents to substantiate dependent eligibility

You may login and update your benefits elections as many times as needed to in order to complete your enrollment within your 30-day election period.

Site Summary

“Home” provides links to frequently used documents and enrollment alerts.

“My Benefits” tab provides an overview of the benefits for which you are currently enrolled and the cost per pay period. You can start a QLE here, too.

“My Profile” tab contains a summary of your demographic information; allows you to verify and update beneficiary information; add a log-in security question; start a QLE; upload documents for dependent verification and QLE processing; and print an enrollment confirmation form.

“Library” contains the most recent plan booklets and forms.

“Help” has educational videos on several insurance-related topics.

Download the the EmpyreanGo App

You can access your benefits 24/7 with EmpyreanGO. With the app, you can elect benefits or view your current benefits, add a qualified life event, upload verification documents and more.

What (& When) Is Enrollment?   |   Who Is Eligible for Benefits?