2027 ENROLLMENT, COSTS & RESOURCES
2027 ENROLLMENT, COSTS & RESOURCES
Your choices. Your costs. Your next step.
Plan ahead with the Momentive 2027 benefits guide and UHC support resources.
Open enrollment: November 17–27, 2026.
This is an active enrollment. Submit your 2027 elections in Rippling by November 27, 2026, for coverage beginning January 1, 2027.
- Review the guide, video and plan comparisons.
- Have dependent and beneficiary information ready.
- Open the enrollment task in your Rippling Inbox or My Benefits app and submit your elections.
Use your employer-provided Rippling account and enrollment invitation.
Your paycheck and benefit deductions.
Employees are paid biweekly. Insurance premiums are deducted from 24 paychecks each year. No insurance premium is deducted from the third paycheck in a month with three pay dates.
The rates below use 24 benefit deductions per year. LTD uses monthly rates and a separate conversion formula.
Medical premiums
Per benefit deduction · 24 deductions per year
| Coverage tier | Option 1 PPO | Option 2 PPO higher deductible | Option 3 CDHP / HDHP |
|---|---|---|---|
| Employee only | $107.82 | $56.94 | $36.24 |
| Employee + spouse | $446.42 | $313.10 | $179.40 |
| Employee + child(ren) | $380.27 | $260.20 | $148.85 |
| Employee + family | $742.48 | $462.08 | $295.43 |
A $50 monthly nicotine surcharge applies where applicable. Contact the ERC about cessation support.
Dental premiums
Per benefit deduction · 24 deductions per year
| Coverage tier | Base | Buy-Up |
|---|---|---|
| Employee only | $10.06 | $12.15 |
| Employee + spouse | $29.34 | $34.50 |
| Employee + child(ren) | $34.54 | $43.84 |
| Employee + family | $39.39 | $50.84 |
Vision premiums
Per benefit deduction · 24 deductions per year
| Coverage tier | Low | High |
|---|---|---|
| Employee only | $2.92 | $4.64 |
| Employee + spouse | $5.54 | $8.80 |
| Employee + child(ren) | $6.50 | $10.31 |
| Employee + family | $9.13 | $14.52 |
Accident premiums
Per benefit deduction · 24 deductions per year
| Coverage tier | Option 1 (A) | Option 2 (B) |
|---|---|---|
| Employee only | $2.62 | $3.80 |
| Employee + spouse | $5.18 | $7.47 |
| Employee + child(ren) | $6.24 | $8.97 |
| Employee + family | $8.80 | $12.63 |
Hospital indemnity premiums
Per benefit deduction · 24 deductions per year
| Coverage tier | Per benefit deduction |
|---|---|
| Employee only | $6.06 |
| Employee + spouse | $12.60 |
| Employee + child(ren) | $11.67 |
| Employee + family | $19.45 |
Supplemental life and AD&D costs.
Per benefit deduction · 24 deductions per year. The rates below combine life and AD&D and vary by age and elected amount.
View life and AD&D age-based rates
| Age band | Employee: per $10,000 | Spouse: per $5,000 |
|---|---|---|
| 18–34 | $0.32 | $0.16 |
| 35–39 | $0.395 | $0.20 |
| 40–44 | $0.665 | $0.33 |
| 45–49 | $1.20 | $0.60 |
| 50–54 | $1.78 | $0.89 |
| 55–59 | $2.97 | $1.49 |
| 60–64 | $5.01 | $2.50 |
| 65–69 | $8.77 | $4.39 |
| 70+ | $13.49 | $6.75 |
Child life and AD&D: $1.09 per benefit deduction for $10,000 coverage, subject to infant and coverage limits. Confirm the applicable age band and election in Rippling.
Life and AD&D can be separate elections.
Critical illness elections and costs.
Employee: $10,000–$40,000. Spouse: $5,000–$40,000, up to 100% of employee coverage. Children: 50% of employee coverage. A $50 annual wellness benefit is included, subject to plan terms.
View critical illness age-based rates
Per benefit deduction · 24 deductions per year, per $10,000 coverage. Spouse rates use the employee’s age.
| Employee age | Employee or spouse rate |
|---|---|
| Under 25 | $1.15 |
| 25–29 | $1.45 |
| 30–34 | $1.85 |
| 35–39 | $2.55 |
| 40–44 | $3.75 |
| 45–49 | $5.90 |
| 50–54 | $9.15 |
| 55–59 | $12.75 |
| 60–64 | $19.60 |
| 65–69 | $24.60 |
| 70–74 | $33.63 |
Child coverage: $0.50 per benefit deduction for each $5,000 of coverage. Contact the ERC for rates at age 75 or older.
HSA funding that goes with Option 3.
Rippling administers the 2027 HSA. Eligible employees must enroll in Option 3 and elect the Rippling HSA to receive company funding.
| 2027 annual amount | Employee-only coverage | Coverage with dependents |
|---|---|---|
| Momentive contribution | Up to $1,000 | Up to $1,500 |
| Employee contribution after standard company funding | $3,500 | $7,500 |
| Total annual contribution limit | $4,500 | $9,000 |
Momentive deposits $41.66 employee-only / $62.50 with dependents each paycheck when a benefit deduction occurs, up to the annual amounts above. An additional $1,000 catch-up contribution may be available at age 55 or older, subject to eligibility.
Eligibility and annual contribution rules apply. HSA funds roll over; the account remains yours.
Choose the right spending account.
Rippling administers all three FSAs. The following annual plan election limits apply.
| Account | Annual plan election limit | Use for |
|---|---|---|
| Health Care FSA | $3,500 | Qualified medical, dental and vision expenses; not compatible with HSA contributions |
| Limited Purpose FSA | $3,500 | Qualified dental and vision expenses for HSA participants |
| Dependent Care FSA | $7,500 joint / head of household; $3,750 married filing separately | Eligible dependent care so you and your spouse, if married, can work or meet other eligibility conditions |
Up to $700 may carry over in the Health Care or Limited Purpose FSA under the plan’s rules. The carryover does not apply to Dependent Care FSA funds. Submit receipts and manage reimbursements in Rippling My Benefits.
Eligibility, expense and election rules apply.
Long-term disability: two income protection options.
| Feature | Option 1 | Option 2 |
|---|---|---|
| Monthly earnings replacement | 50% of base monthly earnings | 60% of base monthly earnings |
| Maximum monthly benefit | $10,000 | $10,000 |
| Benefits begin | Day 91 | Day 91 |
| Maximum benefit period | Social Security Normal Retirement Age | Social Security Normal Retirement Age |
| Maximum covered annual earnings | $240,000 | $200,000 |
During the initial 2027 enrollment with UHC, eligible employees may elect LTD without medical underwriting. If you waive and enroll later, underwriting is required and UHC may deny coverage. A 3/12 pre-existing condition exclusion applies: the three-month lookback and 12-month coverage requirement apply.
View LTD age-based rates and cost formula
Monthly rate per $100 of covered monthly earnings. These rates are not flat paycheck premiums.
| Employee age | Option 1 monthly rate | Option 2 monthly rate |
|---|---|---|
| 18–29 | $0.08 | $0.10 |
| 30–34 | $0.13 | $0.17 |
| 35–39 | $0.20 | $0.28 |
| 40–44 | $0.31 | $0.43 |
| 45–49 | $0.43 | $0.59 |
| 50–54 | $0.56 | $0.76 |
| 55–59 | $0.71 | $0.98 |
| 60–64 | $0.60 | $0.82 |
| 65–69 | $0.47 | $0.64 |
| 70+ | $0.41 | $0.55 |
Cost per benefit deduction: covered annual earnings ÷ 100 × monthly rate ÷ 24. Apply the selected option’s maximum covered annual earnings before calculating.
Offsets, eligibility and policy terms apply.
Support for care, claims and everyday life.
Your benefits. A real person to help.
The Higginbotham Employee Response Center (ERC) helps you understand and use your benefits. Reach a representative when you need help with:
- Benefits information
- Enrollment help
- Eligibility questions
- Claims or billing questions
Monday–Friday, 6:00 a.m.–5:00 p.m. EST
Messages left after 2:00 p.m. ET will be returned the next business day.
Bilingual representatives are available.
Member Assistance Program
No-cost, confidential support, 24/7, for employees and family members. Up to three in-network counseling visits per issue, subject to the program’s terms.
877-660-3806TTY 711 · liveandworkwell.com ↗
Access code: FP3EAP
UHC life, disability and supplemental claims
Use UHC’s member portal and the benefit-specific welcome guides for claims instructions.
Open myuhcfp.com →Customer support: 888-299-2070
Use the wellness claim form for covered screenings and submit directly to UHC using its instructions.
Momentive Benefits
Momentive Benefits: benefits@momentivesoftware.com
Your guide and UHC resource shelf.
Read the 2027 guide for Momentive’s plan details. UHC welcome brochures explain service and claims steps; benefit examples are subject to your elected plan.
Official plan documents govern coverage. Issued 2027 medical SBCs will be added when available.
Plan documents · Questions & answers · ERC & support · 2026 benefits
The information on this website summarizes the benefits offered by Momentive Software. If there is a difference, the official plan documents govern.