Overview

What does it mean to live well? That’s up to you. Whether you’re looking to improve or maintain your physical health, support your emotional well-being or enhance your financial wellness, or all three, the Live Well at Citi Program is designed to help you achieve the results you want. The resources are free, easy-to-use and available even if you aren’t enrolled in a Citi medical plan.

Earn a Discount on Your 2023 Medical Plan

Take the Health Assessment between October 1 and November 13, 2022, to earn a $100 discount on your annual 2023 medical plan paycheck deductions or $100 in Live Well Rewards (redeemable for a gift card) if you don’t enroll in Citi medical coverage. If your enrolled spouse/partner also takes the Health Assessment, you can earn an additional $100 discount on your Citi medical coverage costs.

Combined with other reward opportunities, you have the potential to earn more than $500 in Live Well Rewards between October 1, 2022 and September 30, 2023. Spouses/partners enrolled in a Citi medical plan can earn more than $400 in Live Well Rewards, too!

Get Started!

Already registered? To continue your wellness journey, visit Virgin Pulse through My Total Compensation and Benefits, or sign in online or through the Virgin Pulse app.

New to Virgin Pulse or a spouse of a Citi employee? Sign up for an account online or through the Virgin Pulse app.

Use sponsor name “Citi” when registering on the app.

Make sure you’re getting the most from Virgin Pulse:

  • Connect a fitness tracker to get credit for your steps, active minutes and sleep. You can sync many devices and apps (Garmin, Apple Watch, Fitbit and more!).
  • Upload a profile picture and add some friends.
  • Set your interests to get personalized daily tips to help you eat healthy, get or stay active, reduce stress, sleep well and more.
  • Participate in activities designed to improve your health and take action to make positive changes to improve your physical, emotional and financial well-being, while earning rewards at the same time.
 

Rewards for Healthy Behaviors

Citi believes that good health is important. As part of our commitment to helping you and your family live healthy every day, the Live Well at Citi Program offers a wide range of resources that make it easier and more rewarding to take control of your physical, financial and emotional well-being.

Do you want to lose weight? Manage stress? Quit smoking? Reduce your debt? Get more shut-eye? Or just feel better? Whatever your health goals are, the Live Well at Citi Program has something designed to assist you and reward you for your effort.

You have three ways to earn rewards — taking a Health Assessment, completing points-based activities or earning action rewards. Altogether, you have the potential to earn more than $500 in Live Well Rewards between October 1, 2022 and September 30, 2023. Spouses/partners enrolled in a Citi medical plan can earn more than $400 in Live Well Rewards, too! Learn more about each type of reward below:

  • Health Assessment: Take the Health Assessment between October 1 and November 13, 2022 to earn a $100 discount on your annual medical plan paycheck deductions in 2023 or $100 in Live Well Rewards (redeemable for a gift card) if you don’t enroll in Citi medical coverage. If your enrolled spouse/partner also takes the Health Assessment, you can earn an additional $100 discount on your Citi medical coverage costs.
  • Virgin Pulse Points: Complete healthy activities each quarter to accumulate points toward four levels of rewards, with a maximum of $280 in annual rewards. Note: The Health Assessment provides valuable information and guidance for what healthy activities might benefit you, but you are not required to complete it before participating in other healthy activities.
  • Action rewards: You have several opportunities to earn action rewards throughout the year, which can be immediately converted to gift cards. These reward opportunities include:
    • Biometric screenings: You and your spouse/partner can each earn $50 PulseCash for completing a biometric health screening. Biometric screenings provide vital information about your overall health, including cholesterol (total LDL and HDL), triglycerides, cardiac risk, glucose, blood pressure, height, weight, Body Mass Index (BMI) and waist measurement. Download the Health Screening form from Virgin Pulse (visit through My Total Compensation and Benefits or log in directly and bring it to your next doctor’s appointment).
    • Global Community Day: Every year during Global Community Day, Citi colleagues come together to give back to the communities where we live and work. This volunteer initiative gives you the opportunity to participate in meaningful service activities and earn $20 PulseCash. Visit My Total Compensation and Benefits to learn more. (Note: This opportunity is not available to spouses/partners.)
    • Global Fitness Challenge: Join Citi’s Global Fitness Challenge for the chance to earn $20 PulseCash and support one of three charities of your choosing. You can participate by tracking your physical activity each week of this five-week challenge and competing to log the most minutes of exercise. Visit LiveWellatCiti.com to register and log your exercise, or connect your fitness trackers and devices to the Live Well at Citi mobile app for a seamless experience. (Note: This opportunity is not available to spouses/partners.)
    • Financial Wellness Education: Each quarter, you can watch a 40-minute video on a timely financial topic to earn $15 PulseCash — up to $60 for the year! You must watch the entire presentation to earn the reward.

Virgin Pulse Points

All Citi employees, regardless of whether they are enrolled in a Citi medical plan, and spouses/partners who are enrolled in a Citi medical plan can participate in wellness activities designed to improve their health and accumulate Pulse Points.

When you complete activities each quarter, you’ll accumulate points to unlock four levels of rewards — worth $70 each quarter — up to $280 a year (not including action rewards)!

Each quarter, you can earn:

Level 1 Level 2 Level 3 Level 4
Pulse Points 1,000 points 5,000 points 12,000 points 20,000 points Total Reward
for the quarter:
Live Well Reward $10 $15 $20 $25 $70

Maximum healthy activity rewards per year can be $280 ($70 X 4 quarters)

Example:

  • If you reach Level 3 (12,000 points) in Q1, you will earn $45 in rewards (Level 1 = $10 + Level 2 = $15 + Level 3 = $20; total of $45).
  • At the end of Q1, your points will reset and you will begin Q2 with 0 points.
  • If you reach Level 4 (20,000 points) in Q2 you will earn $70 in rewards (Level 1 = $10 + Level 2 = $15 + Level 3 = $20 + Level 4 = $25; total of $70) on top of the $45 you earned in Q1.

Remember you can earn up to $70 in rewards each quarter – that’s a maximum of $280 in healthy activity rewards each year (not including action rewards).

Live Well Healthy Activities

Your health goals are unique to you, so we offer a lot of activities designed to support your goals, such as those listed below. Look for “How to Earn” under the Rewards tab in your Virgin Pulse account for a complete list. You’ll be able to see your Live Well Rewards on the Virgin Pulse website or app shortly after you complete your healthy activity. Visit Virgin Pulse through My Total Compensation and Benefits or log in directly.

You Can Earn Rewards in a Wide Variety of Ways!

Financial Workshops and Assessment

Want to learn more about saving, budgeting or managing debt? Looking for a better sense of where you stand financially? Watch an interactive mini-workshop (it takes just 10 minutes!) and/or complete a financial health assessment to earn Pulse Points!

Get a Second Opinion through Included Health (formerly known as Grand Rounds)

Are you considering a major surgery or facing a complex diagnosis? Seek an expert medical opinion through Included Health for guidance on treatment and earn Pulse Points (one guidance reward per program year). You’ll also earn a reward when you first register with Included Health.

Sleep Coaching through Sleepio

Sleepio is an online sleep improvement program that can help you get a good night’s rest. Complete activities like taking a two-minute sleep test, keeping a sleep diary and completing sleep sessions to earn Pulse Points.

Use My Care Checklist to Stay on Top of Your Preventive Care

Preventive care can help you stay healthy, and My Care Checklist can help you stay on track. Earn Pulse Points when you complete recommended preventive care actions such as receiving a dental cleaning, receiving a well visit and more.

Take Advantage of Telehealth

Telehealth allows you to speak by phone or video with a board-certified doctor 24/7 for a diagnosis on minor, short-term issues, such as a fever or the flu. If you are enrolled in an Aetna or Anthem medical plan, visit the Teladoc website (Aetna) or LiveHealthOnline website (Anthem) to register for telehealth today. You’ll earn Pulse Points when you register and when you complete a telehealth session (one session reward per program year).

Fertility Support

WINFertility offers industry leading fertility management services to help Anthem members receive the highest quality care and personal support along their fertility journey. If you’re enrolled in an Anthem medical plan, you or your Anthem-enrolled spouse/partner can register with WINFertility to earn Pulse Points (one reward per program year).

Transform Diabetes Care Program

If you have diabetes, you can take control of your health at home or on the go with easy-to-use technology and expertise from registered nurses and dietitians. If you aren’t already enrolled and are invited to participate in the CVS Transform Diabetes Care program, you can enroll to earn Pulse Points (first time diabetes management members only).

Nutrition and Recipes (through Foodsmart)

With support from a registered dietitian and the easy-to-use Foodsmart app, eating healthier has never been easier. Simply choose what you’d like to work on, like cutting out sweets or portion control. Based on your input, tips will be provided to help you achieve your goals. You can also get ideas for meals that are designed to be healthy, build a shopping list and make a weekly meal plan. You will earn Pulse Points for things like tracking calories and adding recipes to your grocery list.

RethinkCare (formerly Whil)

Develop lifelong skills for improving your mental and emotional health with RethinkCare’s digital learning programs. You can earn Pulse Points by completing evidence-based courses on mindfulness, resilience, self-awareness and more.

Phone Coaching

Talk to a professional clinician and coach over the phone to get one-on-one support, expert guidance and help navigating your health care questions. When you participate in phone coaching, you will earn Pulse Points.

Journeys® Digital Coaching

Want to exercise more? Better manage a health issue? You can use our digital coaching tool, Journeys, to make simple changes to your health, one small step at a time. You will earn Pulse Points when you complete a journey step and finish a whole journey.

Download the Anthem Engage App

The Anthem Engage app is designed to help you take charge of your health and well-being. For example, you can check what is covered under your medical plan and how much services will cost to help you make more confident health care decisions. If you are enrolled in Citi’s Anthem medical plan and registering your online account for the first time, be sure to register on the Engage app to earn Pulse Points.

Social Groups

Getting healthier and learning something new can be easier with friends. Join a group to stay motivated, chat with others and achieve goals together.

Live Well Chronic Condition Management Programs

The Live Well Chronic Condition Management Program is designed to help you manage a chronic condition, such as heart disease or diabetes. If you are invited to participate, you will work with a nurse from your medical plan and earn Pulse Points. This activity qualifies for points just once per Live Well at Citi Program year, even if you participate in more than one program. You must be enrolled in a Citi Anthem or Aetna medical plan.

Maternity Care Management

Having support during your pregnancy can help provide a healthy start for both you and your baby. If you’re enrolled in an Aetna or Anthem medical plan, complete a risk survey (Aetna) or an initial risk assessment (Anthem) and earn Pulse Points (one reward per pregnancy).

SWORD Health Physical Therapy

Beginning in January 2023, SWORD Health will be available. Individuals who participate will be matched with a professional physical therapist to receive an evaluation and personalized treatment plan that can be followed from the comfort of home. Participating in SWORD Health offers several opportunities to earn Pulse Points, including after completing the onboarding process and after completing three sessions.

Take Action Today!

Visit Virgin Pulse through My Total Compensation and Benefits or log in directly for a complete list of healthy activities that you can complete to help you achieve your health goals and earn Pulse Points toward Live Well Rewards.

How do I redeem my Pulse Points for gift cards?

Go to the Rewards tab in your Virgin Pulse account to select a gift card.

Important Notes Regarding the Taxability of Your Gift Cards

Live Well Rewards are considered taxable income under the current U.S. Internal Revenue Code and you’ll be taxed when you earn rewards. However, to compensate for the tax, Citi will “gross up” or issue payments approximating any tax you’ll pay. That way, you receive the full gift card amount.

You’ll receive a separate paycheck approximating the tax you will pay on the gift card reward amount, which will be listed as “noncash GU.”

Example: If you earned $100 in Live Well Rewards, Citi will add $25 to your paycheck to cover the estimated 25% federal supplemental tax rate you’ll pay on your gift card earnings. You’ll receive a separate paycheck approximating the tax you will pay on the gift card reward amount, which will be listed as “noncash GU.”

Your Form W-2, Wage and Tax Statement (“Form W-2”) will include the value of the gift card(s) earned and the related tax amount. If your spouse or partner receives a gift card, the value of his/her gift card(s) and the related tax amount will also be reported on your Form W-2.

When are gift cards taxed?

You’ll be taxed when you earn Live Well Rewards, not when you redeem or spend the gift card.

Example: You reach Level 1 in June and earn a $10 Live Well Reward. You redeem it for an Amazon gift card in August. You will be taxed in June.

Can I donate my Pulse Points? If I do, will I receive a receipt?

Yes, you may choose to donate your earned Pulse Points to a charitable cause. Go to the Rewards tab in your Virgin Pulse account to see the nonprofit organizations where your points can be donated. Charitable options for 2023 include the American Heart Association, National Park Foundation and Girls Who Code.

If you donate Pulse Points to a charitable organization, you will receive a receipt showing the dollar amount donated. After you make your donation, the receipt will be sent to your preferred email address.

What if I’m leaving Citi and I have earned Live Well Rewards but haven’t redeemed them for gift cards yet?

You must be working at Citi to redeem Live Well Rewards for gift cards, so redeem your Live Well Rewards for gift cards before you terminate employment, if possible.

Do I need to request gift cards in certain amounts?

You can redeem your Live Well Rewards for gift cards at any time in the amounts made available by the merchants and retailers who offer them. Gift card values will vary by merchant and retailer and are subject to minimums. In addition, you may redeem your Rewards in separate gift cards with different merchants and retailers. Visit Virgin Pulse through My Total Compensation and Benefits or log in directly to see the gift card options available to you.

Are there any restrictions on using gift cards?

View the terms and conditions section below your card’s activation instructions to see any gift card restrictions. Generally, gift cards won’t expire and can be used at the selected merchant or retailer either online or in person by anyone in possession of the card, so keep them in a safe place until you use them.

How long will it take to receive my gift cards after I request them?

Gift cards will be delivered electronically. In most cases, the gift card can be used immediately; however, for some retailers, gift cards may take one to two business days to be activated.

Is there any way to redeem my Live Well Rewards for cash?

No, but with the wide selection of gift cards available, we believe you’ll find one that works for you.

What if I discontinue my medical coverage during the year and don’t receive my full Live Well Reward credit for completing the Live Well Health Assessment? Will I receive my balance in a gift card?

No. If you or your enrolled spouse/partner cancels your Citi medical coverage due to a qualified change in status or leaving Citi, you’ll forfeit any remaining Live Well credits earned through the Health Assessment.

In addition, if you and your spouse/partner both participate in the Live Well Program at Citi and you cancel your Citi medical coverage due to a qualified change in status and continue to work for Citi, you can continue to participate in the program as a Citi employee, but your spouse/partner can’t continue to participate.

General Questions

How do I know when I’ve successfully completed the Live Well Health Assessment to earn Live Well Rewards?

Immediately after completing the last question on the Health Assessment, you will see your health score.

  • You can also see the date you completed the Health Assessment at any time by viewing your Health Assessment on your Virgin Pulse account, available through My Total Compensation and Benefits.
  • After you take the Health Assessment, you can view your Live Well Rewards at any time. Your Live Well Rewards are viewable on your Virgin Pulse account from the Rewards tab.

When can I complete activities to earn Live Well Rewards?

The Live Well Rewards Program plan year runs from October 1, 2022, through September 30, 2023. Earn the maximum Live Well Rewards by earning Pulse Points to reach Level 4 each quarter and completing action rewards that are available throughout the year.

What if I still have a Live Well Rewards balance at the start of the Live Well Rewards plan year that begins on October 1? Will my Live Well Rewards carry over into the new plan year?

Yes. Your unused Live Well Rewards balance carries over from one year to the next as long as you are a Citi employee or spouse/partner.

 

Health Assessment

Before you can embark on your journey designed to improve your health, it is important to understand your health status and recognize areas where you can improve. As such, we encourage you to take the Live Well Health Assessment each year to help you achieve this and give you the opportunity to earn discounts on your medical plan paycheck deductions, as well.

Based on your Health Assessment responses, you will be invited to participate in specific Live Well Journeys and/or coaching programs to earn Pulse Points. You may also call Virgin Pulse at 1 (855) 814-5595 and request to participate in these programs.

Answers to Frequently Asked Questions

What if I already completed the Live Well Health Assessment in the past?

Even if you completed the Health Assessment in the past, you must take it again each year between October 1 and November 13, to earn a $100 reduction on your medical plan paycheck deductions (or $100 Live Well Reward if you are not enrolled in Citi medical benefits) for the following plan year.

Can new employees who join Citi or transfer from a Citi international business on or after September 25 take the Live Well Health Assessment and receive the $100 Live Well Reward?

New employees who join Citi or transfer from an international business or assignment after September 27 may take the Health Assessment, but they will not be able to earn the $100 Live Well Reward. However, we still encourage new employees to take the Health Assessment since it can help identify areas where they can improve their health.

Why can’t employees hired or transferred from an international business or assignment after September 25 earn a Live Well Reward for completing the Live Well Health Assessment?

New employees have 31 days to enroll in benefits. After they enroll, their eligibility information is sent electronically to Virgin Pulse to notify them that a new member is eligible for the program. Depending on when within the 31-day period the employee enrolls, there may not be enough time for him or her to access the Health Assessment in order for Virgin Pulse to process the Live Well Reward in time for the following plan year.

Can I take the Live Well Health Assessment after November 13?

Yes. You and your spouse/partner who is enrolled in a Citi medical plan can still take the Health Assessment, though you will not receive the $100 Live Well Reward.

Where can I get more information on the Live Well Health Assessment?

For more information on the Health Assessment, employees can call Virgin Pulse at 1 (855) 814-5595, visit the Virgin Pulse website, or download the Virgin Pulse app to their Apple or Android smartphone.

Spouses/partners who are enrolled in a Citi medical plan can access the Virgin Pulse website once they’ve registered. The first time that your spouse/partner logs in, he or she will be prompted to create a user ID and password. If your spouse/partner has any issues registering his or her account, call Virgin Pulse for assistance at 1 (855) 814-5595.

Your Information Is Protected

The Live Well Health Assessment only takes 15 minutes to complete, and the information you enter into your Health Assessment and the data in your personalized report are protected in accordance with the privacy and security rules under the Health Insurance Portability and Accountability Act of 1996, as amended from time to time (“HIPAA”). Virgin Pulse adheres to HIPAA privacy and security guidelines that are designed to ensure that no one at Citi has access to your personalized data or results.

 

Tobacco Cessation

At Citi, we are committed to helping you make healthy choices, every day. That is why our office locations across the globe are tobacco-free. To facilitate living well tobacco-free, Citi gives you access to a wealth of tobacco cessation resources through Virgin Pulse, our wellness partner, that have been proven to be effective by the Centers for Disease Control and Prevention (CDC). Learn how to take advantage of the tobacco cessation support available through Virgin Pulse below.

Need Help Quitting Tobacco?

U.S. employees and their family members can get started right away by visiting Virgin Pulse through My Total Compensation and Benefits, logging in directly, or by calling Virgin Pulse at 1 (855) 814-5595 to learn more about the Live Well Tobacco Cessation Program (Monday ‒ Thursday 8 a.m. to 11 p.m., Friday: 8 a.m. to 8 p.m., Saturday: 8 a.m. to 3 p.m. ET).

The Live Well Tobacco Cessation Program is designed to help you overcome the physical, psychological and behavioral addiction to tobacco through online or phone coaching programs and nicotine replacement therapy, all at no cost to you. The program is available to all benefits-eligible Citi employees (even those not enrolled in a Citi medical plan), as well as spouses/partners who are enrolled in a Citi medical plan.

Note: If you are age 18 or over and are enrolled in Citi medical coverage, you may be eligible to receive generic over-the-counter and generic tobacco cessation prescription drugs, or Chantix smoking cessation products at no cost to you to assist you in ending your tobacco use.

Quit Now to Benefit Your Body — and Your Wallet

Know the difference between quitting tobacco today and waiting until tomorrow:

  • Save your life: According to the CDC, smoking is the leading cause of preventable death in the United States. Learn more.
  • Save your money:* If you complete the Live Well Tobacco Cessation Program through Virgin Pulse, you will no longer be assessed the tobacco penalty (the penalty will end within one to two pay cycles of program completion). If you are a tobacco user, you will pay a $600 penalty on your Citi medical coverage and 25% more on Group Universal Life insurance premiums. Additionally, if you complete the program before September 30, you will be refunded the tobacco penalties assessed that same year, before you completed the program.
  • And the costs don’t stop there: Smokefree.gov calculated that the average price of a pack of cigarettes in the U.S. is $6.36. At that price, a pack-a-day smoker who quit today would save nearly $35,000 in 10 years! Learn more.

Quit using tobacco with Citi’s help today.

* Applies to all Citi employees and spouses/partners in the United States.

For U.S. Employees

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Digital Coaching

You can go online anytime and participate in the Tobacco-free Journey to help you obtain support, identify triggers and take small steps toward quitting.

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Telephonic Coaching and Nicotine Replacement Therapy (NRT)

Work one-on-one by phone with a Virgin Pulse health coach to create a personalized plan that is tailored to your needs. You will be able to identify tobacco-use triggers and coping strategies, set a quit date, discover ways to prevent relapse and more.

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Remove Your Tobacco Penalty

Once you have completed the Live Well Tobacco Cessation Program through Virgin Pulse, your tobacco penalty will be removed and you will receive a refund on the penalties you already paid this year, if completed by 9/30/23.

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For Puerto Rico Employees

Use Puerto Rico’s variety of state resources, including a free “quit line” offering evidenced-based counseling. Learn more. If you’re enrolled in the Citi Triple-S medical plan, you also have access to group counseling (restrictions may apply).

For Canada Employees

Obtain free, confidential smoking cessation resources through the Employee Family Assistance Program (EFAP). Access the EFAP 24/7 by calling 1 (844) 880-9142, visiting www.workhealthlife.com or using the mobile app.

If you’re eligible for Group Benefits, you can get smoking cessation resources and tools and coverage for smoking cessation aids from the Manulife Wellness Centre through your medical plan.

Answers to Frequently Asked Questions

What is the tobacco penalty, and will I have to pay it?

You and your enrolled spouse/partner will each pay a $600 annual penalty ($23 per paycheck for 26 paychecks) for your medical coverage if:

  • You attest to using tobacco products when you enroll in benefits; or
  • You don’t complete the Tobacco Cessation program through Virgin Pulse by September 30; or
  • You do not complete the Tobacco Free Attestation during Annual Enrollment, even if you are tobacco free.

You can avoid the tobacco penalty by attesting to being a non-user of tobacco or by completing the Live Well Tobacco Cessation Program by September 30.

If my spouse/partner or I complete the Live Well Tobacco Cessation Program in the middle of the plan year, can I stop paying the tobacco penalty before the next Annual Enrollment?

Yes. If you or your spouse/partner complete the program, you will stop paying the penalty as soon as administratively possible (within two pay cycles of program completion). Once the program is completed, you will receive a full refund of all penalty payments made during that same plan year, if you complete the program by September 30.

What constitutes “completing” the Live Well Tobacco Cessation Program?

You or your spouse/partner must complete a minimum of four sessions with a tobacco cessation health coach if you are participating in health coaching. If you are participating in an online tobacco Journey, the program will be considered “completed” when you complete your Journey. In order to receive a full refund of all penalty payments made during the plan year, you have until September 30 to complete the Live Well Tobacco Cessation Program. Note: While becoming tobacco-free is the goal of these programs, it is not required in order to receive a full refund of your tobacco penalty payments.

Which tobacco cessation Journey can I participate in to complete the Live Well Tobacco Cessation Program?

You or your spouse/partner can choose from any of the following Journeys to complete the Live Well Tobacco Cessation Program:

  • Consider Becoming Smoke-Free
  • No Thanks, I’m Smoke-Free
  • Prepare to Be Smoke-Free
  • Ready, Set, Go Smoke-Free
  • Stay on Track, Stay Smoke-Free

Do I need to notify the Citi Benefits Center when I complete the Live Well Tobacco Cessation Program?

No. Once you complete the Live Well Tobacco Cessation Program, the Citi Benefits Center will receive confirmation from Virgin Pulse and will stop your penalty payments as soon as administratively possible, if it is completed by September 30.

In completing the Tobacco Free Attestation, how do I know if I can consider myself a “non-user of tobacco”?

You are considered a non-user of tobacco if you have not used tobacco (cigarettes, cigars, pipes) or any tobacco products in the past six months. Tobacco products include e-cigarettes and smokeless tobacco, such as chewing tobacco and snuff. As such, you would be considered a tobacco user until you have not used any tobacco products for six months.

Why is Citi forcing employees and their spouses/partners to quit using tobacco products?

Citi is not forcing employees to stop using tobacco products. However, we take tobacco use and its harmful effects seriously, and tobacco use is a major driver of Citi’s increasing health care costs. This is the reason why our office locations across the globe are tobacco free. The Centers for Disease Control and Prevention estimates that an employee who smokes costs 18% more than a nonsmoker. We must work together to control our health care costs and encourage good health.

If employees are not enrolled in a Citi medical plan, are they eligible for the Live Well Tobacco Cessation Program?

Yes. The free Live Well Tobacco Cessation Program is open to all benefits-eligible Citi employees, even if they are not enrolled in a Citi medical plan.

I am not enrolled in a Citi medical plan. Am I subject to the tobacco penalty?

No. Only employees and their spouses/partners who are enrolled in a Citi medical plan are subject to the penalty.

If I quit using tobacco products on my own instead of through the Live Well Tobacco Cessation Program, can I stop paying the penalty mid-year and have all my penalty payments refunded?

Yes. You must complete an affidavit that says you quit using tobacco products on your own and send it to the Citi Benefits Center. This form can be found on the Forms and Documents page. You’ll receive a full refund of all penalty payments in the current year once your affidavit is completed, if it is received by September 30.

I do not use tobacco products, but I did not complete the Tobacco Free Attestation when I enrolled in my benefits, and I am now paying the tobacco penalty. How can I stop paying the penalty?

Any employee who did not complete the Tobacco Free Attestation when he or she enrolled in benefits during Annual Enrollment and who is enrolled in a Citi medical plan will begin paying the tobacco penalty as of January 1 or as soon as administratively possible after he or she enrolls in benefits without completing the tobacco-free attestation. In order to stop paying the penalty, you must call the Citi Benefits Center via ConnectOne at 1 (800) 881-3938. From the ConnectOne “benefits” menu, choose the “health and insurance benefits as well as TRIP and spending accounts” option. You can speak with a representative to discuss discontinuing the tobacco penalty from 8 a.m. to 8 p.m. ET, Monday through Friday, excluding holidays.

How will I know if I am paying the tobacco penalty? What will it look like on my pay statement?

Your pay statement will not show the breakdown of your Live Well Rewards and/or penalties. It will show only the final cost of your medical coverage for a given pay period after any additions or subtractions. You can view these details and find out whether you are paying the tobacco penalty by visiting Your Benefits Resources™ (YBR), available through My Total Compensation and Benefits:  

  • Under "Want to Get to Our Best In Class Vendors Fast?" click on "Health and Insurance (YBR)."
  • Next click on “View Your Coverage Costs.” This page will show all your medical plan costs as well as any penalties and/or incentives you are receiving.

In addition, your confirmation of benefits enrollment (which will be mailed to your address on record after the Annual Enrollment period) will indicate if you are paying the tobacco penalty.