Open Enrollment Window: November 19th - 26th
OPEN ENROLLMENT
Open enrollment is your annual opportunity to update and learn about the benefits provided through Wiggin Properties. Please review your current coverage and choose the best options for you and your family. All benefit changes during open enrollment will become effective December 1, 2025, with the exception of HSA and FSA benefit elections. HSA and FSA election changes will become effective January 1, 2026
There will be some benefit changes on the medical for the 2025-2026 plan year with slight rate increases on medical and dental. Wiggin Properties will continue to contribute to member's Health Savings Account (HSA) if enrolled in the High-Deductible Health Plan (HDHP).
HOW TO ENROLL
You may download the full 2025-2026 Employee Benefit Guide to the right for review. We ask that everyone login to Paycom's portal to complete your open enrollment by November 26th. If you miss this deadline or need to make changes to your benefits outside of open enrollment, then you will have to experience a qualifying life event.
Benefit changes outside of Open Enrollment require a
Qualifying Life Event and/or Loss of Eligibility.
You may not change your benefits throughout the year unless you experience a Qualifying Life Event. Qualifying Events may include marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you must notify HR within 30 days of the event. Please remember you only have 30 days from the event to make changes to your benefit elections.
MEDICAL & Rx
See benefit guide for full rate tables. Premiums are based on plan selection and age.
Wiggin will pay 100% for employee's monthly premium and
50% for dependent's cost on the HSA plan and 45% on the PPO plan.
HSA
Health Savings Account Contributions
DENTAL
VISION
LIFE AND AD&D
Basic Life and AD&D
Voluntary Life and AD&D
Monthly premium cost is based on the amount you elect (coverage amount) and your age. To calculate your monthly cost manually please see the employee benefit guide.
DISABILITY
Voluntary Short-Term Disability - NEW!
This benefit will pay you 60% of your weekly income up to $1,500 per week after 7 days from a disabling injury or sickness. STD will last up to 12 weeks or until LTD begins.
- Cost is based on age and salary
- Pre-Existing condition - if you have received medical treatment or took prescribed medicines for it in the 3 months prior to your effective date of coverage; and the disability begins in the first 12 months after your effective date of coverage then it will not be covered.
Basic Long-Term Disability
Company paid benefit provided at no cost to employees.
This benefit will pay you 60% of your monthly income up to $5,000 per month after 90 days from a disabling illness or injury. LTD will last until you can return to work, reach 65 or social security retirement age.
VOLUNTARY BENEFITS
All three of these polices provide a cash benefit paid directly to you to help during a time when out-of-pocket medical and life costs accrue.
Accident
This insurance pays a benefit for each injury, treatment or service included in the policy that occurs as a result of a covered accident. See full benefit summary below for complete policy coverages.
Plan Highlights:
- Emergency Room: $200
- Accident Physician's Treatment: $100
- X-Ray: $200
- Hospital Confinement: $1,000
- Outpatient Physician's Benefit: $100 for (treatment outside the hospital for any cause)
Critical Illness
A critical illness policy provides a lump-sum cash benefit upon diagnosis of a critical illness like a heart attack, stroke or cancer. The benefit can be used to pay out-of-pocket expenses or to supplement your daily cost of living.
- Employee Benefit: $10,000 or $20,000
- Covered Dependents: 50% of employee election
- Health Screening Benefit: $50 per year
- Premium is based on benefit amount and employee age.
Hospital Indemnity - NEW!
A hospital indemnity insurance policy supplements your medical coverage and provides a cash benefit for hospital related fees you or an insured family member sustain as a result of being hospitalized.
See full benefit summary below for more plan information
EAP
The Employee Assistance Program (EAP) benefit is provided with no additional cost to you.
Confidential help 24 hours a day, seven days a week for employees and their family members. Get help with:
- Family
- Parenting
- addictions
- Emotional
- Legal
- Financial
- Relationships Stress
ID THEFT PROTECTION
FSA
Healthcare - Flexible Spending Account
- Annual contribution limit: $3,400
- Paired with non-HDHP.
- Reduces your taxable income.
- Full elected amount is available the first day of the plan year.
- Funds are used to pay for out of pocket medical, dental, vision and some over the counter items tax free.
- Funds are forfeited if not used by the end of the calendar year.
Dependent Care - Flexible Spending Account
- Annual contribution limit: $7,500 or $3,750 if you are married and file taxes separately from your spouse.
- Anyone is eligible with dependents who need care while guardians are working.
- Funds pay for dependent care (children under 13 years or disabled dependents) tax free.
- Funds are available as they are contributed per pay period.
- Unused funds will be forfeited (runout period to file claims: 90 days after plan year ends).
VIDEOS
Below are a few informational videos.
CONTACTS
As you consider your benefit options, please be sure to review all available information: Employee Benefit Summaries, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:
Wiggin Benefits Contact
Adrian Griffith
agriffith@wigginprop.com
(405) 842-0100
NFP Contact
Stephani Wildman
Account Manager
stephani.wildman@nfp.com