Employee Benefits Resource Guide (2026-27)

Finni offers a comprehensive benefits package designed to support employees’ health, financial security, and overall well-being. This article provides a high-level overview of:

• Eligibility and enrollment timelines

• Medical, dental, vision, and disability coverage

• Employee contributions

• Key compliance considerations

For full plan details, employees should refer to official plan documents or enroll via Rippling.

Enrollment & Coverage Timelines

• New Hire Enrollment: All new hires are required to complete benefits enrollment within a defined window.

  • Enrollment deadline: Within 30 days of your hire date

  • If you do not enroll within this period, you will not have coverage until the next Open Enrollment period

• Open Enrollment: Open enrollment will run from April 1, 2026, through April 15, 2026.

  • Occurs annually

  • Coverage period for this cycle:
    May 1, 2026 – April 30, 2027

Changes made during Open Enrollment apply for the full plan year unless a qualifying life event (QLE) occurs.

How to Enroll

All benefit elections are completed through Rippling.

For Open Enrollment: To start the Open Enrollment process, access the invite from your Rippling Inbox and select Choose Plan, or go to the Benefits tab > My Benefits and click Start. Then follow the guided flow to:

• Review available plan options

• Add or remove dependents if needed

• Select plans (or waive coverage)

• Provide required documentation, including Social Security Numbers (SSNs) for dependents (ACA requirement)

• Submit your elections before the due date shown in the task or prompt

Changing Your Benefits: Qualifying Life Events (QLEs)

Benefit elections are locked for the entire plan year. However, you may make changes if you experience a Qualifying Life Event (QLE).

What is a Qualifying Life Event?

A Qualifying Life Event is a significant life change that affects your eligibility for benefits or coverage needs. These events allow you to make mid-year changes outside of Open Enrollment.

Common Examples of QLEs

Important Rules for QLE Changes

• Changes must be consistent with the event (e.g., adding a newborn to your plan)

• Documentation is required (e.g., birth certificate, marriage license)

• If you miss the 30-day window, you must wait until the next Open Enrollment

• For more information regarding a QLE & eligibility, click here.

Medical Coverage (UnitedHealthcare)

Finni offers four medical plan options to provide flexibility based on your healthcare needs and financial preferences.

High-Level Plan Comparison :

How These Plans Work

• Copay: Fixed amount paid for specific services (e.g., doctor visits)

• Deductible: The amount you must pay before the plan begins to share costs

• Coinsurance: Percentage of costs you pay after meeting the deductible

• Out-of-pocket maximum: The most you will pay in a year before the plan covers 100% of eligible expenses

Dental Coverage

The dental plan focuses on preventive care while providing support for more complex procedures.

Coverage Summary:

Vision Coverage

The vision plan provides coverage for routine eye care and corrective lenses.

Coverage Summary:

Voluntary Short-Term Disability

Short-term disability coverage provides income replacement if you are unable to work due to a covered condition.

Key Details:

Employee Contributions (Monthly)

Medical Plans:

Dental:

Vision:

Important Payroll & Tax Considerations

• Medical, dental, and vision premiums are typically deducted pre-tax, reducing taxable income

• Short-term disability premiums are deducted post-tax

• Out-of-network services may result in higher costs, including charges above allowed amounts

• Employees on an approved leave of absence will maintain benefit eligibility during the leave period, provided required premium contributions are made.

  • Upon return, employees must meet applicable eligibility requirements, including minimum hours worked, to continue benefits coverage. If eligibility requirements are not met, benefits may be impacted in accordance with policy.

Access & Support

For any questions or assistance, please contact hr@finnihealth.com.