How long do I have to enroll as a new hire?

Typically 30 to 60 days from your start date, depending on your plan. The exact window is configured in Employee Navigator and shown on your enrollment screen. When it closes, the enrollment option disappears from your account automatically.

When does my coverage actually start?

This depends on your plan's coverage start rule and waiting period. The most common setup is the first of the month following your date of hire. Some groups start on the date of hire, others after a 30 or 60 day wait.

Your effective date is shown in Employee Navigator before you sign, and again on your confirmation. If it doesn't match what you expected, flag it before signing.

I never got an enrollment email, or I missed the deadline. Can I still enroll?

Email benefits@warp.co as soon as you realize. Don't assume it's closed for good. Depending on how far past the window you are and what the carrier allows, your Client Manager can often reissue a registration link and reopen your enrollment for a short period — usually 24 to 48 hours. If you're already past your original effective date, we'll typically request a later start with the carrier instead, commonly the first of the following month.

If the carrier won't accept it, your next opportunity is open enrollment or a qualifying life event.

I'm a new hire and our company's open enrollment is happening at the same time. Which applies?

Both, and they can appear as separate tasks in Employee Navigator. Your new hire enrollment covers you from your effective date through the end of the current plan year. Open enrollment sets your elections for the plan year that starts next.

Complete the new hire enrollment first so you aren't left uncovered, then the open enrollment task. If you only see one and expected both, contact us — it usually means one hasn't been opened on your profile yet.

Does my spouse or child get covered automatically if I add them?

No. Adding a dependent to your profile and enrolling them in a plan are two separate actions in Employee Navigator. You must tick each dependent on each plan you want them covered under.

This catches people out on dental and vision in particular — a family is enrolled on medical, and the same dependents are left unchecked on the other two.

My new hire only sees one plan, or no plans at all

Usually one of three things:

• Their profile in Employee Navigator isn't complete, so the plan menu hasn't unlocked. Finishing the personal information step normally resolves it.

• They haven't been added to Navigator yet, or were added before a second plan was activated on the group.

• Their class or eligibility doesn't include the plan they're expecting.

Send us the employee's name and we'll check their view directly, add them if needed, and resend the invitation.

What is open enrollment?

The once-a-year window when every eligible employee can enroll in, drop, or change medical, dental and vision elections for the upcoming plan year. Outside of it, changes need a qualifying life event.

Do I need to do anything if I want to keep my current plan?

In most cases, current elections roll over automatically if you make no changes. Log in and review anyway — rates, plan options, and the dependents on file all change year to year, and a rollover carries forward whatever is currently on your profile, including mistakes.

What happens once open enrollment closes?

Elections lock for the full plan year. After that the only route to a change is a qualifying life event — marriage, a new dependent, a move, or losing other coverage.

Can our company change contribution amounts mid-year?

Generally no. Contribution splits are locked for the plan year once your renewal or new business submission is finalized with the carrier. Carriers typically don't allow contribution or class changes mid-policy, so any adjustment happens at renewal or open enrollment.

What do I need before I start?

About fifteen minutes, and the legal names, dates of birth, and Social Security numbers of anyone you plan to cover. Stopping halfway to hunt for a dependent's SSN is the most common reason an enrollment gets abandoned and then forgotten.

How do I get an Employee Navigator account?

We create it for you — you can't sign yourself up from scratch. Once we do, Employee Navigator emails you a registration link.

It comes from no-reply@employeenavigator.com, with a subject line along the lines of "Set up your Employee Navigator account" or "Your benefits enrollment is open."

I can't find the registration email. What now?

Check spam, promotions, and any filtered folders, and search your inbox for Navigator. It goes to the work email on file, so if yours changed recently that's likely the cause.

The link is unique to you — a colleague can't forward you theirs.

How do I create my login?

Open the link and set a username and password, then answer the security prompts. You'll use these every time you return, including at next year's open enrollment, so save them somewhere you'll find them.

The registration link says it's expired or invalid

Links are time-limited, and they stop working once your enrollment window closes. Email benefits@warp.co and we'll issue a fresh one. If the window itself has closed, say so in your message — we'll look at whether it can be reopened.

It's asking for a company identifier and I don't have one

The identifier is in your original registration email. If you can't find it, ask benefits@warp.co rather than guessing — the manual route will keep rejecting you without it.

How do I start my enrollment?

You'll land on your home page after logging in. Under the welcome panel is a Start Enrollment button, sometimes labelled Let's Begin, along with your enrollment deadline and effective date.

There's no Start Enrollment button on my home page

It means no enrollment task is currently open for you. Your window may not have started, it may have closed, or you may have already completed and signed. Your current elections are shown on the same page — if it's blank there too, contact us.

What should I check on the personal information screen?

Your legal name, date of birth, sex, Social Security number, address, and email. Use your name exactly as it appears on your Social Security card, not a preferred or shortened version.

If a field is locked and wrong, don't work around it — tell us and we'll correct it at the source.

How do I add my spouse or children?

On the dependents screen, add each person with their legal name, date of birth, Social Security number, gender, and relationship to you.

Dependent SSNs are required by carriers for tax reporting. If you don't have one yet for a newborn, add the dependent without it and let us know so we can follow up.

How do I choose a medical plan?

Medical comes first. You'll see each plan available to you side by side, with your cost per pay period already calculated after your employer's contribution.

• Compare deductible, out-of-pocket maximum, copays, and network before choosing. Plan documents and summaries are linked on the same screen.

• Tick the box beside each dependent you want covered on this plan.

• Your per-pay-period cost updates as you change tier — watch it as you add people.

Then save and continue.

What if I don't want coverage at all?

Choose the waive option and pick a reason. Waiving is a real election and has to be recorded — skipping the screen isn't the same thing, and an enrollment left incomplete closes with nothing attached.

Do I have to elect dental and vision separately?

Yes. Navigator walks you through the remaining plans one at a time — commonly dental, vision, and any life, disability, or supplemental coverage your employer offers. Each is an independent decision.

What do I put for beneficiaries?

If your employer offers life insurance or AD&D, you'll be asked who receives the benefit. Add primary beneficiaries and their percentage split — it has to total 100% — and contingent beneficiaries if you want them.

How do I actually submit my elections?

The summary screen lists every election, everyone covered, your total per-pay-period cost, and your effective date. Read it properly — this is the last point where changing something is easy.

Before the deadline you can log back in and edit freely, re-signing as many times as you need.

What should I save at the end?

Download or print the enrollment summary PDF from the final screen. You'll also get an email confirming your choices were recorded.

Keep it. It's your proof of what you elected and when, and it's the fastest way to resolve a dispute if something is later processed differently.

What happens after I sign?

We submit your elections to the carrier. The carrier sets up your coverage and issues member IDs, which we load into your Warp profile — typically 5 to 10 business days. Payroll deductions begin on the next cycle, and may include a catch-up amount if your coverage started before your first deduction.

Coverage applies from your effective date even if your card hasn't arrived yet.

I signed, but I need to change something

If your window is still open, log back in and edit.

If it's closed, email benefits@warp.co with what needs to change and why. Corrections to personal details, dates of birth, and SSNs can usually be fixed at any time. Changing which plan you're on, or who's covered, generally requires a qualifying life event.

I added a dependent but they aren't on my coverage

They were added to your profile but not selected on the plan itself. If your window is open, go back into each plan and tick them. If it's closed, contact us with the dependent's details and the date they should have been effective.

Where do I see my coverage and member ID?

In your Warp profile, under Benefits. Once the carrier has processed your group, we upload member IDs directly to your profile there. This takes 3-5 business days.

Use that member ID to register on your carrier's own portal — Anthem, UHC, Blue Shield, Guardian, Humana and so on. That's where you download a digital ID card, check what's in network, and see claims.

My enrollment is confirmed in Navigator but Warp shows nothing

Expected for a short period. Your Warp Benefits tab populates once the carrier has processed the enrollment. Allow 3-5 business days.

When do physical cards arrive?

Usually 7 to 10 business days after the carrier issues your coverage. Digital cards are available from the carrier portal sooner, often the same day your member ID appears.

I need to see a doctor or fill a prescription before my ID arrives

Your coverage is active from your effective date regardless of whether you're holding a card. You can register for an account on the carrier sites to access temporary ID cards and detailed benefits information.

My plans are missing or wrong on my Warp Benefits tab

Send us a screenshot and tell us what you expected to see. Common causes are a carrier still processing, a plan that was elected but not signed, or an election recorded under a different coverage tier than intended.

What counts as a qualifying life event?

Marriage, divorce, the birth or adoption of a child, loss of other health coverage, a move that changes your plan options, or a dependent aging off a plan. There are others — if you think something might qualify, ask.

How do I report a life event?

Log in to Employee Navigator and look for the option to change benefits or request a life event on your home page. You'll select the event type, enter the date it happened, and then work through the affected plans much as you did at enrollment.

If you don't see the option — or you don't have a Navigator account yet — email benefits@warp.co and we'll open it for you.

How long do I have to report it?

Commonly 30 to 60 days from the event date, depending on your plan. Miss it and you wait for the next open enrollment, so report it as soon as it happens — even before you've gathered the paperwork.

What documentation do I need?

It depends on the event — a marriage certificate, a birth certificate, or proof that prior coverage ended are the usual ones. Your Client Manager will confirm exactly what the carrier needs once you report it.

When does the change take effect?

Once the carrier approves it, typically retroactive to the date of the event. Your new elections and deductions then sync into Warp automatically.

How are my payroll deductions calculated?

From your elected plan and coverage tier as configured in Employee Navigator by your company, synced into Warp payroll. What you see is the employee-owed portion of the premium after your company's contribution is applied.

Why was one deduction larger than usual?

Almost always a catch-up deduction. It happens when you enroll mid-cycle or the carrier confirmation arrives late, and payroll needs to true up what's owed since your effective date.

Your Client Manager flags catch-up deductions in advance. If a deduction looks wrong and wasn't flagged, tell us and we'll correct it on the next cycle.

How do employer and employee contributions work?

Your company sets a contribution percentage for employee-only coverage and, separately, for dependents — for example 75% employer-paid for the employee and 50% for dependents. That split determines what you see in payroll.

Example rate table — replace with each client's real numbers before publishing, or leave blank for Client Managers to fill in per account.

Are rates locked for the year?

Yes. Once your renewal or new group submission is finalized with the carrier, rates hold for the plan year and won't change mid-year outside of a full renewal.

What about HSA and FSA contributions?

If your plan includes an HSA or FSA, those contributions are deducted separately from your medical, dental and vision premiums, and pushed to your account each pay run.