As a Citi employee, you have access to a wide variety of benefit programs and options. CitiBenefits.com has all the information you need to make smart, confident decisions. Take action now and be sure to enroll within 31 days of your hire date.

Important: You May Need to Enroll in Both 2022 and 2023 Benefits

If you are hired after September 24, 2022, or you have not completed your new hire/newly eligible benefits enrollment on or before September 24, 2022, you should:

  • Complete your new hire enrollment for this year’s benefits as soon as possible within the 31-day enrollment period.
  • As a separate step, enroll in your 2023 benefits as soon as possible following your hire date.
  • Complete the Tobacco Free Attestation when enrolling in a medical plan.
  • If you were hired before September 26, 2022, or were transferred from a Citi International Business, you are eligible for the Live Well Health Assessment Reward

Health and Insurance Benefits

Learn about the health and insurance benefit choices available to you. When you’re ready to enroll, follow the directions provided in the next section.


Explore your medical plan options:  

  • In-network Only Plan
  • Choice Plan
  • High Deductible Plan with HSA
  • Health Maintenance Organizations (HMOs)

You also have the opportunity to enroll in supplemental health benefits.


Explore your dental coverage options

  • MetLife Preferred Dentist Program
  • Cigna Dental HMO


Explore your vision plan option

  • Aetna Vision Plan

Saving and Spending Accounts

Explore your savings and spending account options:

  • Health Savings Account
  • Limited Purpose Health Care Spending Account
  • Health Care Spending Account
  • Dependent Care Spending Account
  • Transportation Reimbursement Incentive Program (enroll at any time)

Legal Plan

Consider how MetLife Legal Plans can support your need for legal advice with unlimited access to in-network attorneys for all covered legal matters.

Disability Insurance

Explore your disability insurance options:

  • Short-Term Disability
  • Long-Term Disability

Life and Accident Insurance

Explore your life and accident insurance options:

  • Basic Life Insurance
  • Basic Accidental Death & Dismemberment (AD&D)
  • Group Universal Life
  • Dependent Life Insurance
  • Supplemental AD&D
  • Business Travel Accident/Medical
ALEX Can Help You Choose Your Benefits

Wondering which benefits are best for you? ALEX is a fun, independent tool that can give you personalized support in choosing the right plan.

How to Enroll

As you review your health and insurance benefit options, keep in mind that you need to enroll within 31 days of your hire date. There are two quick, easy ways to enroll:


Visit Your Benefits Resources (YBR™) at any time of day or night, available through My Total Compensation and Benefits.

To enroll in Group Universal Life (GUL) and Supplemental AD&D insurance, you must do so directly with MetLife. Visit My Total Compensation and Benefits and click on “Group Universal Life” under “Want to get to our best in class vendors fast?” to connect to the MetLife MyBenefits website.

By Phone

Alternatively, you may enroll by phone. Call the Citi Benefits Center via ConnectOne at 1 (800) 881-3938, 8:00 a.m. to 8:00 p.m. ET, Monday through Friday, excluding holidays. From the “benefits” menu, select the “health and insurance benefits as well as TRIP and spending accounts” option. If you’re outside the United States or Puerto Rico, call 1 (469) 220-9600.

Note: All family members must be listed as a covered dependent under each individual plan. When enrolling by phone, you must ask a Citi Benefits Center representative to “cover” each dependent.

Reminder: Designate Your Beneficiaries

When you enroll in benefits, don’t forget to designate beneficiaries for life insurance, AD&D insurance, the Citi Retirement Savings Plan and the Health Savings Account, if applicable. To designate your beneficiary information for Group Universal Life (GUL) and Supplemental AD&D insurance, you must do so directly with MetLife. Visit My Total Compensation and Benefits and click on “Group Universal Life” under “Want to get to our best in class vendors fast?” to connect to the MetLife MyBenefits website.


Retirement Savings Plan

The Citi Retirement Savings Plan helps you plan and prepare for retirement no matter where you are in your career. You can set your contribution rate and select your investment option(s) as early as your first day at Citi. If you do not take any action within the first 90 days from your hire date, you will automatically be enrolled in the Plan, and 6% of your eligible pay will be withheld from your paycheck each pay period and contributed to the Citi Retirement Savings Plan on a before-tax basis. In addition, if you are automatically enrolled, your contribution rate will increase by 1% each year until it reaches 15%. Review your account options, contribution limits and more.

You can access your Retirement Savings Plan account at any time on My Total Compensation and Benefits.


Benefits for Everyday Needs

Citi is dedicated to helping you and your family live well every day. That’s why we offer a variety of benefits to help you get support that meets your needs, preferences and goals.

The Be Well Program

Citi’s Be Well Program provides flexible mental and emotional health support resources designed to meet your individual needs. Whether you’re struggling with everyday stress, relationship issues, financial or legal matters, substance abuse, depression, grief or anxiety, Citi is there for you. Through the Be Well Program, you can access:

  • In-person, phone, video or text-based counseling*
  • Referrals to service providers for everyday support (such as a plumber, pet sitter or moving company)
  • Online information and education
  • Life coaching
  • And more

The Be Well Program is available to all active, benefits-eligible Citi employees in the United States and their household family members, as well as paid and unpaid U.S. interns. You don’t need to be enrolled in a Citi medical plan to take advantage of the program. Learn more about how the Be Well Program can help you

*You and your household members can each receive up to five free counseling sessions or five weeks of texting per issue, per year.

The Live Well at Citi Program

Looking to improve or maintain your physical health, support your emotional well-being or enhance your financial wellness? The Live Well at Citi Program offers a variety of free and easy-to-use resources that can help you reach your well-being goals. You don’t need to be enrolled in a Citi medical plan to participate.

You also have the potential to earn more than $500 in Live Well Rewards during the year just by taking healthy actions, like completing a digital coaching program or registering for your telehealth account. Spouses/partners enrolled in a Citi medical plan can earn more than $400 in Live Well Rewards, too! Learn more about all the ways Citi supports — and rewards — you on your journey to wellness

Additional Benefits Provided By Citi

Beyond health, insurance and retirement benefits, Citi offers programs that can help you balance your work, family and personal commitments. Whether you’re looking for family resources, like child/elder care or college advising, information on time away from work or other everyday support, you can find it all here at CitiBenefits.com.

Also keep in mind that as a Citi employee, you have access to core benefits that do not require enrollment. Refer to the Benefits Handbook for a list of Citi’s core benefits.