If your employer offers workers a benefits package, you can review the plans and enroll in coverage straight from the Deel platform.
We will handle all enrollment, contribution, and deduction data for benefits providers and for payroll processing.
In this article:
Enrolling with health insurance
Enrolling with a HSA or FSA account
How to view your employer's benefits offering
✅ Step 1 - Go to Services Tab on the Homepage
✅ Step 2 - Click on Benefits
Select Benefits from Services. You can view the type of benefits that your employer is offering, your enrollment status, and other important details.
Adding Dependents
Before you enroll in any benefits, you must add your dependents to ensure that your costs are accurately updated based on your selection.
After you have added your dependents to your account, you can then decide which particular benefits you want to enroll your dependents.
Note: If you don’t have dependents, you can ignore this step.
✅ Step 1 - Select Add Dependents
From the Services Tab in the Homepage, Select Benefits, then click the Dependents tab
✅ Step 2 - Add details
Add details about the dependent including name, address, social security number, and more.
Then click Add.
Adding Medical Benefit: Health Insurance Coverage
✅ Step 1 - Select Medical
From the Services Tab on the Homepage, Select the Benefits tab to pull up the list of benefits offered by your employer.
Select View Details to begin the enrollment process for health insurance medical benefits.
✅ Step 2 - Click Start Enrollment
✅ Step 3 - Compare coverage options and prices
There may be multiple tiers and insurance plans to choose from.
Carefully review the costs and coverage details, and adjust for your dependents by selecting the toggle option on or off.
✅ Step 4 - Enroll
Select your preferred plan by clicking Review and Enroll.
Review your selection and again click Enroll.
Please note that employee contributions are applied at the end of the calendar month.
Adding Life Insurance
✅ Step 1 -Select Life Insurance
From the Services Tab on the Homepage, Select the Benefits tab to pull up the list of benefits offered by your employer.
Select View Details to begin the enrollment process for life insurance
✅ Step 2 - Click Start Enrollment
✅ Step 3 - Add Beneficiaries
You must have at least one primary beneficiary and one contingency beneficiary to enroll with a life insurance policy.
The combined values assigned to all beneficiaries must equal 100%.
✅ Step 4 - Review beneficiary amounts
After you have added your beneficiaries, you can click Change Amounts to edit the assigned values of the insurance policy.
✅ Step 5 - Update life insurance form
Complete the insurance form on the page by entering all required fields including age, gender, and tobacco usage.
You can either contribute to the life insurance policy with a set dollar amount or a percentage of your salary.
✅ Step 6 - Click Enroll
Adding FSA or HSA
Flexible Savings Account (FSA) and Health Savings Account (HSA) are both types of tax-advantaged savings accounts that are used to help individuals and families cover eligible medical expenses in the United States.
Please see our FAQ section for more details on the account differences.
✅ Step 1 - Select FSA or HSA
From the Services Tab on the Homepage, Select the Benefits tab to pull up the list of benefits offered by your employer.
Select View Details to begin the enrollment process for either an FSA or HSA account.
✅ Step 2 - Click Start Enrollment
✅ Step 3 - Update annual contribution
Enter the total amount you want to contribute for the entire calendar year.
You will see your deductions per pay period, and also the amount your employer will contribute to the account.
✅ Step 4 - Enroll
Select Review and Enroll, then again click Enroll.
Review your selection and again click Enroll.
Please note that employee contributions are applied at the end of the calendar month.
Declining Coverage
You can review your employer’s benefits plan package and decline coverage.
If you have been auto-enrolled in a benefit and wish to opt out, or if you want to decline coverage, please follow these steps.
✅ Step 1 - Review plan details
From the Services Tab on the Homepage, Select the Benefits tab to pull up the list of benefits offered by your employer.
To opt out of coverage, select View Details
✅ Step 2 - Select Edit
✅ Step 3 - Decline Coverage
Click Decline Coverage, then select a reason from the dropdown menu.
Click Decline Coverage again to confirm.
FAQs
[ACCORDION] How do I see the enrollment deadline?
We will email you reminders about your benefits enrollment deadline, and you will also receive notifications on your Deel account about the upcoming deadline date.
You can also reach out to your manager at your company for additional details about the enrollment deadline.
[ACCORDION] Can I change my benefits plan?
Yes, you can change your benefits plan or contributions amounts as long as the enrollment deadline has not yet passed.
Select the Benefits tab, choose your benefit, select the Plan Overview tab, click the Edit button.
After the enrollment deadline has passed, you can change benefits:
- if you’ve had a qualifying life event
- if your employer changes its benefits offering
- at the next open enrollment period as determined by your employer
[ACCORDION] Can I make changes to my plan if I have had a qualifying life event?
Qualifying Life Events are major changes that make you eligible to add or remove dependents from your benefits plan, or to make new plan selections outside of the regular Open Enrollment period.
If there is a Qualifying Life Event - like having a baby or getting married - contact us as soon as possible and our team will reopen enrollment for your benefits.
[ACCORDION] Is health insurance and other benefits taxable in the US?
Yes, you may have to pay taxes on your benefits in addition to your monthly contributions.
Taxation regarding healthcare plans is regulated specifically by section 125(c) of the Internal Revenue Code; other benefit types are covered by other parts of the US tax code.
Any policies opened are agreements between the insurance broker and your employer, without Deel’s involvement.
[ACCORDION] When can I start using my insurance?
Your insurance benefits will become active on a date that is pre-determined by your company.
You will not be able to select an activation date.
Your employer could have selected a back-dated activation date, immediate activation, activation after 30 calendar days, or something else.
Please reach out to your employer to learn when your benefits plan will become active.
[ACCORDION] Will I be automatically added to my employer’s benefits plan?
No. If the enrollment deadline has passed and you haven’t made a benefits selection, you will be automatically opted-out of coverage.
[ACCORDION] What is the difference between an FSA and HSA?
HSA and FSA are both types of tax-advantaged savings accounts that are used to help individuals and families cover eligible medical expenses in the United States.
A Health Savings Accounts (HSA) is a savings account that allows individuals with high-deductible health insurance plans to set aside pre-tax money to pay for qualified medical expenses.
A Flexible Spending Account (FSA) is an employer-sponsored benefit that allows employees to set aside pre-tax money from their paycheck to pay for qualified medical expenses.
While the purpose of these accounts are similar, there are significant differences between HSA and FSA when it comes to eligibility requirements, contributions, withdrawals, and rollovers of unused funds.
Therefore, it is not possible to enroll in both at the same time.
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