How to Submit Benefit Elections for Open Enrollment

Created by Michelle Lucey, Modified on Tue, 18 Aug at 3:10 PM by Michelle Lucey
<h1 class="scribe-title">How to Submit Benefit Elections for Open Enrollment 2026-2027</h1><p class="scribe-author"><b><a href="https://scribehow.com/o/dOi6vFoNS3yBu-foN_p8vA/viewer/How_to_Submit_Benefit_Elections_for_Open_Enrollment_2026-2027__G0_qw-cTSDiDFVz8t8esMQ" target="_blank">Made by Michelle Lucey with Scribe</a><br/></b></p><p class="scribe-description">This guide provides step-by-step instructions for submitting Open Enrollment elections for the 2026 - 2027 plan year. All elections must be submitted via UKG on a PC by 08/28/2026.</p><br/><br/><h3 class="scribe-section">Getting Started</h3><div class="scribe-step"><p class="scribe-step-text scribe-step-tip">Tip: Tip!</p>
<p class="scribe-step-text scribe-step-tip">If you have specific questions regarding the Benefit options such as RX cost, treatment cost, coverages, etc. please contact <strong>My Benefits Champion.</strong></p>
<p class="scribe-step-text scribe-step-tip">My Benefits Champion can be contacted Monday - Friday 7am - 5:30pm at;</p>
<p class="scribe-step-text scribe-step-tip"><strong>(855) 687-2426 Pacific Time<br/>
<a href="mailto:champion@hubinternational.com">champion@hubinternational.com</a></strong></p>
</div><div class="scribe-step"><p class="scribe-step-text">1. Naviagte to: <a href="https://psgcommunity.ukg.net">https://psgcommunity.ukg.net</a></p>
<p class="scribe-step-text">Access Code: PSGcommunity</p>
<p class="scribe-step-text">If you need a password reset please email <a href="mailto:Payroll@livecloudten.com">Payroll@livecloudten.com</a> or <a href="mailto:Payroll@Sunrisemgmt.com">Payroll@Sunrisemgmt.com</a></p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/b3e597ea-d544-40fc-8357-416170d068c4/File_b13403afee64424583cd43526b989655_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">2. Click "Myself".</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/bc86b296-5b16-4e41-8c42-33aefbc7c05c/File_0efb003f8ff444f7a10013dea34a17f4_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">3. Click "Open Enrollment".</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/e16a656a-707d-4ea2-aa3d-2e5877420eeb/File_482db9633fd24eb0be882b903fab1931_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">4. Click "Open Enrollment 2026/27"</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/2871e418-204e-4cf5-b159-2160985452e1/File_8cb2f242e1154552a8b441a0f5b513d8_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text scribe-step-warning">Alert: Alert!</p>
<p class="scribe-step-text scribe-step-warning">If you stay enrolled in your <strong>Current</strong> benefit elections, you will not have the option to make changes to your benefit elections or dependent enrollments, unless you have a Qualifying Life Event (QLE) during the 2026 -2027 plan year. QLE's typically include;</p>
<ul>
<li>Losing or Gaining coverage</li>
<li>Marriage or Divorce</li>
<li>Birth or Adoption</li>
</ul>
</div><div class="scribe-step"><p class="scribe-step-text">5. Click "Make new elections" to submit new elections.</p>
<ul>
<li>This option will take you through the full Open Enrollment module where you will submit enrollments and dependents for each benefit option.</li>
</ul>
<p class="scribe-step-text">Click "Stay enrolled in current Benefit Plans".</p>
<ul>
<li>This option will carry over all your current enrollments without making changes. If you plan to participate in Flexible Spending Accounts (FSA and DCFSA) or the Health Savings Account (HSA), you must click Option 1 - Make New Elections.</li>
</ul>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/7bcd5c8f-a34b-4d99-ad25-60b35d0a3591/File_6478a364a04a4af397a13507cb2a9f37_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">6. Review the Open Enrollment Message</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/e0c1a9c9-f1aa-4461-8358-e2717a96da7a/File_5c3c8f4ef2fe40deafb2c0bb6de32a3b_text_export.jpeg"/></p><h3 class="scribe-section">Dependents and Beneficiaries</h3><div class="scribe-step"><p class="scribe-step-text">7. Review your current dependents. If you need to add dependents click "add".</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/a59721f9-9084-4622-a0c6-8ed820f4dc14/File_e1c6f5346da340ba911bd9d5d4703d40_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">8. To add a <strong>dependent</strong> you will need:</p>
<p class="scribe-step-text">Full name<br/>
Date of Birth<br/>
SSN<br/>
Gender<br/>
Relationship (Spouse, Child, Domestic Partner, etc.).</p>
<p class="scribe-step-text"><strong>Dependents: Benefit eligible individuals you can enroll into the health plans</strong> <br/>
<br/>
<strong>Beneficiaries: Designated individual who would receive the financial benefit of the Group Term Life Insurance and/or Supplemental Life Insurance.</strong></p>
<p class="scribe-step-text"><strong>*NOTE - If you plan to submit enrollments into Supplemental Life and AD&amp;D at the Spouse and or child level and would like to list <em>yourself</em> as the beneficiary, you must add <em>your</em> information as a contact/beneficiary on this Step.</strong></p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/66261595-a7b2-4e6f-833f-1ed92252a8ee/File_186f4f0588fe40898f1e6ae6b3298356_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">9. Click "Save" and click "Next" to proceed to your enrollments.</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/a087ca7e-4b5d-47bf-ba8b-03104191bbec/File_d9e4cdfc249d479f95e389c7dcf4e254_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text scribe-step-tip">Tip: <strong>Tip!</strong></p>
<p class="scribe-step-text scribe-step-tip">If you wish to decline any plan, the decline option will be the first option at the top.</p>
</div><h3 class="scribe-section">Health Plans</h3><div class="scribe-step"><p class="scribe-step-text">10. <em>Example:</em> Decline option</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/d1a2c559-bf74-4b76-9ab0-180aed7b329b/File_dfc908764b6b4f77bddbe5a3db9ee6b5_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">11. Choose your elected plan and plan tier.</p>
<p class="scribe-step-text">Dependents in UKG will show under the applicable plan tier.</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/d0917d73-0749-4d79-b305-5db6400ee73e/File_aebf3e4bb20d401d895b5f518701f4ef_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">12. Click "Next" to proceed to the following health plan.</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/7dcacfcc-831f-41be-bb4b-9d3492b55f43/File_b8e7a752ca9749249afb814cf00e713a_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">13. <strong>Repeat steps 10 - 12 for each health plan: Decline or enroll into the plan.</strong></p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/4c11d979-fd36-47f3-8a66-3a1a884ca090/File_d51f3ebb24794994901968559b8c9877_text_export.jpeg"/></p><h3 class="scribe-section">Flexible Spending Accounts and Health Savings Account</h3><div class="scribe-step"><p class="scribe-step-text scribe-step-warning">Alert: Alert!</p>
<p class="scribe-step-text scribe-step-warning">If you did not elect <strong>Anthem Medical PPO - 1700</strong> you <strong>must</strong> decline the HSA.</p>
<p class="scribe-step-text scribe-step-warning">If you are electing the <strong>Anthem Medical PPO - 1700</strong> High Deductible Health Plan (HDHP), You are required to make an enrollment under the "<strong>Health Savings Account</strong>".</p>
<p class="scribe-step-text scribe-step-warning">Additionally, enrollment into the Anthem Medical PPO - 1700 will <strong>NOT</strong> allow you to enroll into the "<strong>Flexible Spending Account - Medical</strong>". You may still enroll into the "<strong>Dependent Care FSA"</strong>.</p>
</div><div class="scribe-step"><p class="scribe-step-text">14. Enroll or decline the HSA.</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/96481c3d-7b62-4303-99b2-f8f4dd77a9f9/File_5959e64e31764e4dbef4260c184f6283_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">15. Enroll or decline the "Flexible Spending Accounts".</p>
<p class="scribe-step-text">Enrollment into the Medical FSA will not be allowed if you enrolled into the Anthem PPO 1700 HDHP with Health Savings Account (HSA) due to IRS regulations.</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/591bd4a5-bd79-467b-9986-acbbbaab1532/File_c25f774fb8764927978bbc1fa5a0064b_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">16. Choose the contribution type and amount.</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/9fe0b6c2-dc04-42f8-ad5b-a5d93f84465c/File_9312e84fdf7e4303ae69ee179dd816b7_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">17. Click "Next".</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/3ff52964-4108-44f5-9de7-66e0ed13215d/File_dc9b3f2f1779451b99d148419078a8d7_text_export.jpeg"/></p><h3 class="scribe-section">Group Term Life Insurance and Supplemental Life Insurances</h3><div class="scribe-step"><p class="scribe-step-text">18. The <strong>Group Term Life Insurance</strong> is available at no cost. You do not have the option to decline and must enroll.</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/138e8286-fd0f-429f-9c6d-8721d39f1340/File_c68d7da92a874c0aa12f7a69c70aa0ec_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">19. You must enroll at least one beneficiary and determine the allocation of the benefit amount.</p>
<p class="scribe-step-text">You may split this amount amongst multiple beneficiaries* totaling "100%".</p>
<p class="scribe-step-text"><em>*A beneficiary can be anyone you would like to allocate the benefit amount to. This is not the same as a dependent.</em></p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/52fdcfd1-1571-4ddc-9c73-0ec852983b8e/File_2bcb901061f4400cbbcbc1cba85ee638_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">20. Click "Next".</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/bfac530f-8e99-48fb-81c8-d91042c96863/File_db29e016d9ea4d678ca813a949af412e_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">21. You may also elect supplemental life insurance for yourself, your spouse and your children.</p>
<p class="scribe-step-text"><strong>Enrollment into supplemental life for spouse and child REQUIRES enrollment into Supplemental Employee. If you would like to add yourself as a beneficiary for a plan such as the Supplemental Spouse or Supplemental Child, you must add your information as a contact/beneficiary on Step 8.</strong></p>
<p class="scribe-step-text">The Guaranteed Issues (GI)* are below for all plans.<br/>
<br/>
Employee Guaranteed Issue - $100,000<br/>
Spouse Guaranteed Issue - $30,000<br/>
Child Guaranteed Issue - $10,000</p>
<p class="scribe-step-text"><em>*GI - Any amount exceeding the guaranteed issue would require evidence of insurability to be submitted to the carrier. An election above the GI will trigger the carrier to send you a document via email to your personal email to be completed.</em></p>
<p class="scribe-step-text"><em>The EOI form will ask for information on your employer and yourself</em></p>
<ol>
<li><em>Employer Address -<br/>
7837 Convoy Court #100<br/>
San Diego, CA 92111</em></li>
<li><em>Your mailing address</em></li>
<li><em>Your position</em></li>
<li><em>Your personal information (DOB, Birth State, Weight, and Height)</em></li>
<li><em>Questions on your health history</em></li>
</ol>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/c64f770b-46c9-4e8e-9b90-592daf36d2d3/File_da190d2326e04f9b8f516259a1767bbc_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text">22. Click "Next".</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/6b269fbd-768d-48a0-ac55-59bc772c2e87/File_9c6a520c5c554903bdeb6c6133875061_text_export.jpeg"/></p><h3 class="scribe-section">Review and Submit</h3><div class="scribe-step"><p class="scribe-step-text">23. Review all your new elections.</p>
<p class="scribe-step-text">Current elections are on the left column, new elections are on the right column.</p>
<p class="scribe-step-text">On this page you can click any of the plans to return to that plan and change the new election.</p>
<p class="scribe-step-text">Once your elections have been reviewed click "Submit". All new elections will become effective 10/01/26. Your first deduction will occur on the 10/26/26 pay date covering the 10/01/26 - 10/15/26 pay period.</p>
</div><p class="scribe-screenshot-container"><img class="scribe-screenshot" width="560" alt="" src="https://colony-recorder.s3.us-west-1.amazonaws.com/files/2026-08-04/5088c7d7-2bb0-4798-bf9e-764c30d78e84/File_27d068a5cd424246a9c682ee14fadbed_text_export.jpeg"/></p><div class="scribe-step"><p class="scribe-step-text scribe-step-tip">Tip: Tip! We recommend to print a copy of your confirmation page.</p>
</div>