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https://aptia365.com/horacemann 2 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.Choose Your Benefits November 7 %u2013 202025 Benefit Elections:%u2022 You must elect your Horace Mann benefits for the 2025 plan year during Open Enrollment (OE) November 7 %u2013 20.Changes After Open Enrollment:You can make changes to some of your benefits in 2025 if you experience a Qualifying Life Event (QLE), such as getting married or having a baby. You must make changes within 31 days, (including the day of the event).%u2022 If you are a New Hire during or after OE and your benefits are effective in 2024, or you experience a QLE or status change, you will need to make updates to your 2024 and 2025 benefits by following the links for each year on your enrollment website.%u2022 You can enroll year-round in Pet Insurance,Commuter Benefits and Health Savings Accounts (if you already enrolled in a medical plan). Employer contributions are prorated.What if I Don%u2019t Enroll:%u2022 You must take action to complete enrollment for 2025. If you don%u2019t make elections by November 20, you will only have 100% employer-paid benefits. All other benefits will cease on December 31, 2024.%u2022 Your current group life and/or pet insurance elections will carry forward into 2025.%u2022 Health Savings Account (HSA) and Heathcare Flexible, Dependent Care and Commuter Flexible Spending Account (FSA) elections do not roll over from year to year. You must make a new election each year to participate.%u2022 You must enroll in the Health Savings Account during OE to receive your employer%u2019s 2025 contribution.If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. Please see the creditable prescription drug coverage and Medicare notice in the legal notices at the back of this booklet for more details.Answer a few short questions to receive Expert Guidance and build a personalized benefits package.Select the benefits package built for you, customize it further to best meet your needs and budget, or build your own package.Visit Aptia365 at https://aptia365.com/horacemann for personalized support to guide you through the enrollment process.WELCOME TO YOUR 2025 Benefits Enrollment