- Are the pet insurance plans changing for 2027?
No. Nationwide My Pet Protection continues with 50% or 70% reimbursement options, a $250 annual deductible and a $7,500 annual maximum. Avian and exotic pet coverage is also available.
- Where can I get a pet insurance quote or find claim information?
Use the pet insurance page for your personalized Nationwide quote, all five pet insurance resources, policy renewal information and claim instructions. Call Nationwide at 877-738-7874.
- Where can I compare the 2027 medical plans?
Compare all three plans, your premiums and HSA funding on the medical page. The Option 3 HDHP deductible is $3,500 individual / $7,000 family for 2027.
- Are weight-loss medications covered in 2027?
Contact the ERC or UnitedHealthcare to check coverage and any requirements for a specific weight-loss medication.
- What are the 2027 HSA and FSA provisions?
Option 3 is the HSA medical option. For eligible employees electing the Rippling HSA, Momentive contributes up to $1,000 employee-only or $1,500 with dependents. Total 2027 annual HSA limits are $4,500 / $9,000 before any eligible catch-up contribution. Rippling also administers Health Care, Limited Purpose and Dependent Care FSAs; see the account page for plan limits and rules.
- Will Optum Bank continue to administer the HSA?
Rippling administers the 2027 HSA. Only the Rippling HSA is eligible for automatic payroll deductions and company contributions. The 2026 resources remain separate.
- What is the difference between the Base and Buy-Up dental plans?
Base has a $1,000 annual maximum per person; Buy-Up has a $5,000 annual maximum. Both pay 100% for preventive care without the deductible, 80% for basic services, and 50% for major services after the deductible. Buy-Up also includes adult and child orthodontia at 50%, with a $2,000 lifetime maximum. Base includes a rollover feature, subject to program conditions. Buy-Up does not include rollover.
- Will using an out-of-network dentist cost more?
Out-of-network benefits are based on the plan’s usual-and-customary geographic fee allowance. A dentist may bill you for charges above that allowance in addition to your deductible and cost share. In-network dentists use negotiated fees.
- What is the difference between the Low and High vision plans?
For in-network care, Low has a $10 exam copay and a $25 standard eyeglasses copay, with frames every 24 months. High has $0 copays for the exam and standard eyeglasses, with frames every 12 months. Both list a $130 frame allowance and exams and lenses every 12 months. Additional lens options and limits may apply.
- Do I need a vision ID card?
You do not need an ID card to use your vision benefits. A digital copy is available after you enroll if you prefer one.
- How much basic life and AD&D coverage is provided?
Momentive provides eligible employees with $50,000 in basic life and AD&D insurance at no cost. Active-at-work rules, age reductions, and other policy terms apply.
- How much supplemental life insurance can I elect?
Employees may elect $10,000 increments up to $500,000, not exceeding five times annual earnings. The employee guaranteed-issue limit is $250,000, also capped at five times annual earnings and subject to enrollment and eligibility rules.
- Can I cover my spouse and children under supplemental life?
You must elect employee supplemental coverage to elect dependent coverage. Spouse coverage is available in $5,000 increments up to $250,000 and 100% of the employee amount. Child coverage is available in $2,000 increments up to $10,000 and 50% of the employee amount. Guaranteed-issue limits, infant limits and other coverage terms apply.
- What does the 2027 short-term disability plan pay?
Short-term disability pays 60% of weekly earnings, up to $2,400 per week, for up to 13 weeks. Other income may reduce the benefit. Eligibility, active-at-work requirements, exclusions, and policy terms apply.
- When do short-term disability benefits begin?
Benefits begin on the first day after an accident or the eighth day of sickness, subject to the plan’s terms. You must be under the regular care of a physician to receive benefits.
- What are the 2027 long-term disability options and underwriting rules?
Choose 50% or 60% of base monthly earnings, both capped at $10,000 per month. Benefits begin on day 91, subject to policy terms. Initial 2027 UHC enrollment is available without medical underwriting; later enrollment requires underwriting and may be denied. A 3/12 pre-existing condition exclusion applies.
- How do accident and critical illness benefits work?
These policies pay specified cash benefits for covered accidents or diagnoses. Payments are subject to the benefit schedule and policy terms; not every expense or condition is covered. They supplement comprehensive medical coverage.
- What does hospital indemnity cover?
Hospital indemnity pays $1,000 for a covered hospital admission, $150 per day for covered hospital confinement, and separate ICU benefits, subject to frequency, timing, and duration limits. This is fixed indemnity coverage, not comprehensive health insurance.
- Are the accident and hospital indemnity rates monthly or per paycheck?
The displayed premiums are per benefit deduction, with 24 deductions each year. Employees are paid biweekly; no insurance premium is deducted from the third paycheck in a three-paycheck month. LTD tables instead quote monthly rates per $100 of covered monthly earnings, with a separate conversion formula.
- Do the supplemental plans include a wellness benefit?
Accident, critical illness and hospital indemnity coverage each include a $50 wellness benefit for a covered test, subject to annual and covered-person limits. Eligible screenings and plan conditions apply.
- What employee assistance resources are available for 2027?
The UHC Member Assistance Program offers no-cost confidential support 24/7 at 877-660-3806 (TTY 711). Visit liveandworkwell.com using access code FP3EAP. The program includes up to three in-network counseling visits per issue, subject to program terms.
- Who can use the 2027 EAP?
Employees and family members can use the Member Assistance Program for confidential support. Call 877-660-3806 (TTY 711), available 24/7, for help accessing services.
- What can the Higginbotham Employee Response Center help me with?
The Higginbotham Employee Response Center (ERC) can help with benefits information, enrollment, eligibility questions, and claims or billing questions. Call or text 866-890-6763, or email MomentiveSoftware@eb.higginbotham.net. Bilingual representatives are available.
- When can I reach the ERC?
Representatives are available 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. Call or text 866-890-6763.
- When is open enrollment, and where do I make my elections?
Open enrollment runs November 17–27, 2026. This is active enrollment: submit your 2027 elections in Rippling by November 27. Look for the email invitation, Rippling Inbox task or My Benefits prompt. Coverage begins January 1, 2027.
- Where can I watch the 2027 benefits overview?
The 2027 benefits overview video is on the homepage. You can watch it there or open the Brainshark presentation in a separate tab.
- Where can I find the benefit summaries?
Open the document center to find benefit guides, plan documents and flyers by benefit. Check each document’s plan year; the 2026 SBCs apply to 2026 coverage.
- How do I find answers about my 2026 coverage?
Your 2026 questions and answers remain available on the original benefits website. Open the 2026 benefits FAQ →
2027 EMPLOYEE BENEFITS · QUESTIONS & ANSWERS
YOUR 2027 BENEFITS Q&A
Your questions. Clear answers.
Search your 2027 benefits questions and answers below.
2027 Employee Benefits
Looking for your 2026 answers?
Your prior-year FAQ remains available on the original benefits website.
Open the 2026 FAQ ↗HIGGINBOTHAM EMPLOYEE RESPONSE CENTER
Benefits questions? Start with the ERC.
Contact the Higginbotham Employee Response Center for benefits information, enrollment help, eligibility questions, and claims or billing questions.
CALL OR TEXT THE ERC866-890-6763MomentiveSoftware@eb.higginbotham.net
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.
Benefits website provided by
The information on this website summarizes the benefits offered by Momentive Software. If there is a difference, the official plan documents govern.