Culture & Benefits

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

  • Several levels of medical coverage for associates and their families
  • Dental
  • Vision
  • Wellness
  • Health Advocacy services
  • Short- and Long-term Disability
  • Life and Accidental Death & Dismemberment
  • Long-term Care
  • Accident, Critical Illness and Hospital Indemnity
  • Flexible Spending Accounts
  • Retirement Plans
  • Financial Counseling services
  • Paid and Volunteer Time Off
  • Employee Assistance Program
  • Family Forming benefits
  • Tuition Reimbursement
  • Identity Theft Protection
  • Legal Plan
  • 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 Children’s 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 Children’s Health hosts an Annual Enrollment period. The period for annual enrollment 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.

Status Changes and Qualified Life Events

If you experience a change in status, or 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 some other specific events. You have 60 days from the date of the event to make changes online. Log on to, and go to “My Profile” or click on “My Benefits” to start a Life Event change. Some events — like marriage, divorce, loss of coverage — may be initiated in advance of the event date. 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 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 the Annual Enrollment period for future plan years.

bswift QLE platform   |   Dependent Verification

Who is eligible for benefits?

Eligibility Definition

All full-time benefits-eligible associates (working 30 – 40 hours a week or 0.75 – 1.00 FTE) and all part-time benefits-eligible associates (working 20 – 29 hours a week or 0.50 – 0.749 FTE) who have satisfied the waiting period, are eligible to participate in Nemours Children’s Health benefits.

Your legal spouse.

Dependent Children:
Dependent children may be covered up to the age of 26, and beyond the age of 26 if disabled before age 26. A disabled 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 Children’s 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
  • 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 benefit plans—this includes spouses and children — are subject to an eligibility verification process. There is no verification required for dependents covered under Voluntary Life, Accident, Critical Illness, Hospital Indemnity, and Identity Theft. 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 that 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 health insurance through his/her/their employer but you elect to cover him/her/them on the Nemours health 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 Children’s network at work or at home through VPN, you can access without entering a username or password. The enrollment link can be found on the Benefits pages of Nemours Net.


First Time Users

  1. Go to
  2. Enter your username and password:
    • Your username is your Nemours network username.
    • Your password is the last four digits of your Social Security number.
  3. Click on the “Log In” button.
  4. Next, you will be asked to change your password.

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 “Forgot Password” link.

First Time Enrollment Information

You have 30 days from your date of hire 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 log in and update your benefits elections as many times as you need to in order to complete your enrollment within your 30-day election period.

Nemours Benefits Mobile

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 status change/qualified life event (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 status change/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 a number of insurance-related topics.

Mobile Benefits Portal

It seems like the whole world has gone mobile, and benefits are no exception. With the Mobile Benefits Portal, you can enroll on-the-go. Visit the Nemours benefits site on a wide range of browsers and devices including iPhones, iPads, Android phones and other mobile devices, via the web at

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