Frequently Asked Questions


Q: When will I be eligible for benefits if I was just hired?
A: If you are a newly hired employee, you are eligible for benefits effective on the 1st day of the month following 30 days of employment. A few days after you are hired you will see a benefit enrollment task in your Workday Inbox.
Q: If I am rehired, when will I be eligible for benefits?

A:  Below are the eligibility guidelines for rehires:


  • Re-hired 0-30 days – you will be automatically re-enrolled in the same benefits you had prior to your termination, and they will be effective on the first of the month after your re-hire date. (You cannot choose new benefits, unless you had a QLE in the last 30 days.)
  • Re-hired 31-91 days – You can choose your benefits in Workday (you will receive a benefit task in your inbox), and they will be effective on the 1st of the month after your re-hire date.
  • Re-hired 92+ days – You can choose your benefits in Workday (you will receive a benefit task in your inbox), and they will be effective on the 1st of the month after 30 days of employment.
Q: When I have a coverage, claim, or billing question who do I contact?
A: For Medical, please contact Aetna at 833-880-0372, UHC directly at 800-888-2264, or Kaiser at 800-464-4000. For Dental, please contact MetLife directly at 800.438.6388. For Vision, please contact EyeMed directly at 866-939-3633 to see if they can resolve the issue for you. If they are not able to resolve it, please contact the benefits team at for assistance.
Q: How can I get a new medical card?

A: You can print a Aetna Medical card by logging into

You can print a UHC Medical Card by logging into or by downloading the myHPN app where you can view, download or email your card.

You can request a new Kaiser ID card by logging into or calling Member Services at 1-800-464-4000.

Q: Why didn’t I receive a Dental ID card in the mail?
A: MetLife does not issue cards for the dental plan –  Providers that contract with MetLife verify eligibility with the employee’s SSN. Employees or members would never have to know their group number, just basic personal information. 
Q: Why didn’t I receive a Vision ID card in the mail?
A: EyeMed only issues ID cards upon initial enrollment. They do not send new cards each year if you were enrolled the previous year.  If you would like a new card you can call EYEMED at 866-939-3633 or visit: and click on FAQ.  OR Download the EyeMed Members app to your phone.  You can pull up your ID cards on the app with no need to carry them in your wallet.
Q: Can I change my benefits throughout the year?
A: You may only change your benefit elections during the annual open enrollment period unless you experience a qualifying life event (QLE).

Qualifying Life Event

Q: What is a qualifying Life event? (QLE)

A: A qualifying life event is a change in your situation such as getting married, having a baby, or losing health coverage that can make you eligible for a special enrollment period, which may allow you to enroll in health insurance outside the yearly open enrollment period.  At this time you may also be eligible to enroll in voluntary plans such as life insurance and AFLAC plans.

You have 30 days from the qualifying life event date (date of marriage, newborn’s date of birth, etc.) to login to Workday to make this change. 

Q: My spouse or child is gaining/losing benefits, can I add or remove them from my ILG plan?

A: Yes, you can initiate a life event by logging into Workday and clicking on the Benefits Worklet on the home page and selecting the benefit event type that corresponds to your situation and entering the event date and hit SUBMIT.  You will then be guided through the remainder of the screens.  If you need more guidance you can refer to the Workday Job Aids on the Workday home page.

Q: What documents do I need to upload into Workday for a QLE?

A: You will need to attach documents in Workday that provide proof of eligibility for your dependents to be added or dropped from ILG’s plan.  See below for a sample document list based on common Qualifying Life Events (QLE).


  • Marriage – Marriage Certificate showing names and date of marriage
  • Birth/Adoption – Birth document from the hospital showing date of birth, gender (for newborns this does not need to be the birth certificate, since that can take more than 30 days to receive)
  • EE/Spouse/Dependent Gains coverage (to remove them from ILG benefits) Document from insurance company showing date of new coverage and name of person(s) covered
  • EE/Spouse/Dependent Loses coverage – Marriage Certificates, Birth document, and a document showing spouse/dependent lost coverage and date they lost coverage, etc.

401(k) Retirement

Q: If I am a newly hired employee when am I eligible for the 401(k)?

A: You are eligible the first of the month after 30 days of employment. You will be auto enrolled at 3%. You may opt out of the plan at any time by visiting John Hancock’s website or calling the customer service line. See contact information below.

Q: Can I make pre-tax and post-tax contributions?

A: Yes, ILG offers a 401(k) plan that allows you to make pre-tax or post tax contributions into a variety of funds.  Your auto enrollment of 3% is automatically set as a pre-tax deduction, unless you elect Roth deductions which are taxed now instead of when you retire. 

Q: How much may I contribute in 2022?

A: You may contribute up to the IRS limit.  For 2022, the limit is $20,500 and the catch-up contribution is $6,500 for those over the age of 55. 

Q: How do I rollover money from a former employer into the ILG 401(k) plan?

A: You may contact John Hancock who will provide you with the required paperwork.

Q: Where can I change my 401(k) elections or add/update my beneficiary?

A: Any changes to your 401(k) need to be made through John Hancock directly.

Q: How do I contact John Hancock?

A: You can contact them by phone or visit their Website.


Health Savings Account (HSA)

Q: Can I Change my HSA deduction during the year?
A: Yes, you may change your HSA deduction throughout the year in Workday by clicking on the Benefits Worklet and under the Change column, select BENEFITS. From the drop-down list, choose the option that states “Change Health Savings Account Deduction”. Then follow the prompts through the next few screens.
Q: Where can I access my HSA balance?
A:  You can login to the WEX app to access your HSA account balance. OR Download the WEX app to your phone. You can view your HSA balances and transactions right from the app.
Q: How do I contact WEX?
A:  You can login to to access your HSA account balance, or you can call them at 866.451.3399.

Flexible Spending Account (FSA) & Dependent Care FSA

Q: Who is our current FSA vendor?


Q: If I sign up for a High Deductible Health Plan (HDHP) can I sign up for a Healthcare FSA plan?

A:  No, you may not sign up for a Healthcare FSA if you enrolled in a HDHP plan. You may only sign up for an H SA if you have a HDHP.

Q: Can I roll over any of my Healthcare FSA Balance into 2022?

A:  Yes, you may carry over $550.00 or less of your 2021 Healthcare FSA into 2022, only if you elect a Healthcare FSA again in 2022.  Please note – every year IRS sets the amount, and the current amount is $550.00.

Q. What happens to my Healthcare FSA plan If I switch from an POS plan to a HDHP plan during open enrollment for 2022?

A: If you make this type of plan change during open enrollment you will need to use up all your funds in your Healthcare FSA plan by 12/31/21.  You have until 3/31/22 to submit receipts for claims incurred during the 2021 plan year.

Q: Where can I find a list of qualified expenses for my healthcare FSA?

A:  You can click on this link to the WEX website.

Q: Can I roll over any of my Dependent Care FSA Balance into 2022?

A: No, Per IRS guidelines, Dependent Care FSA balances are not able to be carried over into the next year.  However, you have until 12/31/21 to incur claims for this year, and you have until 3/31/22 to submit receipts for claims incurred during the 2021 plan year.

Q: Can I use my money after I’ve left the company?

A: Not for new expenses incurred after your term date. You have 90 days to submit claims  for expenses incurred prior to your departure from ILG.

Q: Will I get a debit card for each of the FSA plans I sign up for?

A No.  If you are enrolled in the Dependent Care FSA, Medical FSA, and Commuter plans you will only get one debit card from WEX.  The card is a smart card, so it knows based on the merchant code where the card is being run and what account to pull from. For example, at a transit station the card will pull from the transit account or at the doctor’s office it will pull from the Medical FSA, etc.

Commuter FSA

Q: Can I change my Commuter FSA plan mid-year or does there have to be a Qualifying Life Event?

A:  Yes, you can change the amounts you contribute from month to month without a life event for this plan.  Go to your Workday home page. Click on Benefits and select Change Benefits. From the drop-down list, choose “Change Commuter Deduction”. Then follow the prompts through the next few screens. If you need additional guidance you can refer to the Workday Job Aids on the Workday homepage.

Q: Can I carry over Commuter FSA funds to the next year?

A:  Yes, you can carry over FSA Commuter funds to the next year if you don’t use them all.

Q: What happens to my Commuter FSA account when I leave the company?

A: You will have 30 days from your termination date to submit claims for expenses incurred before your term date.

Voluntary Life Insurance

Q: When is an EOI (Evidence of Insurability) required for voluntary life insurance?

A: You will need to complete an EOI form and send it directly to UNUM for review and approval. You will see a link to the EOI form in Workday in the voluntary life insurance enrollment screen.

The following instances require an EOI form:

  • You are a new hire and have elected voluntary life insurance greater than the guaranteed issue amount of $250,000 for yourself, or greater than $50,000 for your spouse.
  • You are a late enrollee which means that you newly added voluntary life insurance for yourself or spouse during a Qualifying Life Event.
  • You increased the amount of voluntary life insurance for yourself or your spouse during open enrollment or a Qualifying Life Event.

Complete your EOI for Life insurance online at: using custom access code 4HXWYWD.