We know how important health and well-being benefits are for you and your family. That’s why we’re committed to offering well-rounded options to protect your physical, mental, and financial health — and that of those you love. This site will be available on demand all year, so visit whenever you or your family members need additional information. Use the navigation bar at the top of the page to learn more.

As a team member working 20 or more hours per week in the United States, you’re eligible to enroll for benefits as of your hire date. You have 30 days from your date of hire to submit your enrollment in Workday.

• In addition to yourself, you can enroll your spouse, domestic partner, and/or children up to the age of 26 for coverage.
• Please do not submit New Hire benefit enrollment without having added your SSN to your Workday profile! 

After your new hire enrollment ends, you will not have an opportunity to change coverage until our next open enrollment period unless you have a qualifying life event like getting married, having a baby, or your spouse changing jobs. 

• You must submit the change request in Workday within 30 days of the life event and may need to provide documentation supporting the change.
• To initiate the change in Workday, please go to Benefits > Change Benefits and select the appropriate Benefit Event Type.
• Otherwise, Open Enrollment occurs annually around November for a January 1 effective date.

The most notable change for the 2022 plan year is that our UnitedHealthcare medical plans will now be administered by UMR. UMR is UnitedHealthcare’s third-party administrator solution, providing you with the personal support you need through resources to help you maintain or improve your health, and tools to help you make the best healthcare decisions for you and your dependents.

You will have the same plan options with UMR — a PPO and a High Deductible Health Plan (HDHP) with HSA. These plans have the same covered services, copays, and deductibles as your current UHC plans today. While your current plan elections - PPO or HDHP - will continue if you do not make changes, all enrolled members will receive a new ID card in the mail from UMR. Be sure to update all your providers and pharmacies with your new medical ID and carrier information in the new year.

Although UMR is taking over the administration of our plan, you will still be accessing care through the same UnitedHealthcare network of providers and pharmacy services through Optum. There should not be any disruption to your care or pharmacy claims (as long as you update your providers with your new medical ID card!). If you or your covered dependents have an existing myUHC.com member login, you will need to newly register on UMR's member website, member.umr.com, in the new year to access claim information, copies of your explanation of benefits, or search for providers.

With a high-deductible health plan (HDHP), apart from preventive care, you must meet your annual deductible before the plan begins to pay for services – including doctor visits and prescription drugs. Approved preventive care, such as annual physicals and certain, routine lab tests are covered at 100%, no cost to you. Rubrik’s HDHP uses UnitedHealthcare’s broad PPO network, so you can access a wide choice of providers and facilities for in-network discounts and lower deductible and coinsurance expenses. 

The HDHP plan has two advantages: 

• Lower payroll premiums, and
• Enrollment in an HDHP qualifies you to contribute to a tax-advantaged Health Savings Account (HSA). You can offset your deductible out-of-pocket costs with pre-tax funds saved into the HSA.

If you are newly enrolling in the HDHP, Rubrik will open your HSA Bank account on your behalf. Be on the lookout for mail from HSA Bank with your account details and your HSA Bank debit card which will arrive 2-3 weeks after your account has been established. 

• Employee Only Coverage: $3,650
• Family Coverage (you + any dependents): $7,300
• Catch-Up Contribution (age 55+): additional $1,000

Rubrik’s PPO plan gives you access to UnitedHealthcare’s broad network of providers and facilities. PPOs are a traditional type of healthcare plan that offers set copays for office visits and prescription medications and low deductibles for other medical services. Preventive care is covered at 100% with no copay or deductible. If you must seek care with a non-network provider, the PPO plan gives you the most flexibility to do so, but with limited coverage reimbursement and increased out-of-pocket costs.

Unlike the HDHP, you will not be automatically enrolled into a pre-tax savings account. However, you have the option to elect a Flexible Savings Account (FSA) to use tax-free funds for expenses incurred with this plan. Click the “FSA” tab to learn more!

For those located in California, we offer a third medical plan option through Kaiser, a Health Maintenance Organization (HMO) plan. The Kaiser plan has set co-pays for each type of service, allowing for the ease and convenience of having most of your medical services available under one roof, otherwise known as a "one-stop shop."

As an HMO plan, you must choose and maintain a Primary Care Provider (PCP). All specialist care requires referrals from your PCP, and there is no coverage for non-Kaiser services.

Carrot is an inclusive family-forming and fertility benefit helping you and your partner pursue any path to parenthood. Unlike many plans that require a medical diagnosis of infertility, benefits through Carrot ensure access to quality care regardless of a diagnosis. This includes education, fertility treatment, fertility planning, IVF/IUI, genetic testing, adoption, surrogacy, and fertility preservation.

Eligible expenses can be reimbursed at 100% up to $25,000 per lifetime per employee/household. You will access the program and connect to the Carrot care team by registering with your Rubrik email to confirm eligibility. Your enrollment is kept anonymous and you can change your contact information at any time once your account has been created.

We offer comprehensive Dental coverage for you and your family! Choose from a low-cost base plan to cover your annual checkups or buy up for more comprehensive coverage with higher allowances and lower coinsurance. See plan details for more information.

MetLife Dental will not issue a dental plan ID card. Your dental provider can verify your and your dependents' eligibility with your social security number. For your reference, our group policy numbers can be found on our Benefit Mobile Wallet Card (bookmark this page!). 

We offer a choice of two vision plans through VSP. These plans provide affordable, quality vision care nationwide. The base plan offers low-cost coverage and a fully covered, no copay, annual well vision eye exam. For an additional per-paycheck premium costs, choose the buy-up plan for annual glasses or contacts with a higher level of reimbursement. Visit an in-network vision provider for the highest level of coverage and immediate savings; if you visit an out-of-network provider, expect lower coverage and you will need to submit a claim to VSP for reimbursement. You can find a list of participating VSP Signature providers at vsp.com. 

VSP will not issue a vision plan ID card. Your vision provider can verify your and your dependents' eligibility with your social security number. For your reference, our group policy numbers can be found on our Benefit Mobile Wallet Card (bookmark this page!). 

The Flexible Spending Account, or FSA, is another type of pre-tax savings account. You make a set, annual contribution, which is then deducted pre-tax in equal amounts each pay period. The funds are available to use tax free on eligible expenses. We offer several types of FSAs: a Healthcare FSA, Limited Purpose FSA, or Daycare FSA. These accounts are available whether or not you or your dependents are enrolled in Rubrik's medical plans.

Manage your FSA funds with Navia, Rubrik's FSA administrator! Access your funds using the Navia FSA debit card or pay out of pocket and submit your expenses for reimbursement via Navia's portal. Regardless of how you use the funds, be sure to have a valid receipt or statement that includes the date of service, service provider details, type or description of service, name of recipient, amount billed, and amount paid. Visit Navia's website to search for eligible claims.

While a healthcare flexible spending account (FSA) and a health savings account (HSA) both allow you to set up tax-advantaged savings to pay for qualified medical expenses, there are some significant differences between the two. Watch "HSA vs FSA" video to learn more about how they differ!

A Healthcare Flexible Spending Account (HCFSA) is a pre-tax savings account that you can use on eligible out-of-pocket health expenses for both you and your dependents. Make an annual enrollment up to the IRS maximum of $2,850. Once you elect, you will not be able to change your election unless you have a qualified life event such as marriage or birth/adoption. Although you will be contributing each pay period, your full annual election will be available upfront. Elect carefully as the plan is subject to use-it-or-lose-it rules! Learn more below. You may NOT enroll in this plan if you enrolled in the Rubrik High Deductible Health Plan (HDHP), as a Healthcare FSA makes you ineligible to contribute to an HSA.

If you enroll in an HDHP plan (whether or not with Rubrik), and establish an HSA, you may elect to enroll in a Limited Purpose Healthcare FSA (LPFSA). The Limited Purpose FSA is limited to dental, vision, and post-deductible medical expenses only. The annual contribution maximum is $2,850. 

The Dependent Care FSA (Day Care FSA) is available to you regardless of medical plan enrollment. You can set aside pre-tax funds to use for child care for children age 12 and younger or adult day care for incapacitated tax-dependents living in your home.

Eligible expenses include day care, preschool, after-school programs, summer day camp, and elder day care. This account works like a savings account, meaning you cannot be reimbursed for more than what is in your account at any given time. Navia makes it easy to use your funds with the Day Care FSA Debit Card, or you can submit claims for reimbursement. The annual maximum contribution is $5,000 per household and is considered "use it or lose it." This account is only available if your spouse is also employed, looking for work, or a full-time student.

Rubrik cares about your physical and mental well-being. We're proud to offer you a variety of wellness benefits that fit your everyday needs both at work and at home. Scroll down to learn more about our various wellness offerings.

Ginger is an emotional support and mental healthcare mobile app for you and up to five adult family members (age 18+). Ginger offers coaching, therapy on demand, psychiatry, health assessments, and various other resources to help you combat stress and successfully navigate life’s challenges! Trained behavioral health coaches are available 24/7 via chat-based text support at no cost to you! All communications between you and your coaching team are completely confidential. Your coaches will recommend skill-building resources personalized to your needs, available right in the app. Video-based psychiatry and therapy are also available at a low cost. Appointments can be scheduled within a few days (versus having to wait weeks), including availability during evenings and weekends. Your data and activity are never shared, so rest assured that your care is secure and private. You can start a live chat session just minutes after downloading the Ginger Emotional Support App, available from Google Play or App Store. A unique access code will be sent to you in your Welcome Email that will need to be entered in the App to begin.

We offer you and your eligible family members access to an Employee Assistance Program (EAP) provided through Lincoln Financial, EmployeeConnect. The EmployeeConnect EAP offers professional, confidential resources to meet life's challenges. This plan includes up to five in-person counseling sessions per year, free 30-minute consultations with an attorney and 25% off subsequent meetings, unlimited guidance and referrals for a variety of matters, and online tools. The plan is available to you at no cost whether or not you elect other benefit coverage through Rubrik.

You can contact the EAP for help for assistance with areas such as:

• Stress
• Marital or family problems
• Anxiety and depression
• Substance abuse (alcohol and/or drugs)
• Financial issues
• Aging parents
• Pet care
• Maintenance and repair providers
• Community volunteer opportunities
• Child care issues – including identifying schools, daycare, tutors, and more

Carrot is an inclusive family-forming and fertility benefit helping you and your partner pursue any path to parenthood. Unlike many plans that require a medical diagnosis of infertility, benefits through Carrot ensure access to quality care regardless of a diagnosis. This includes education, fertility treatment, fertility planning, IVF/IUI, genetic testing, adoption, surrogacy, and fertility preservation. Eligible expenses can be reimbursed at 100% up to $25,000 per lifetime per employee/household. You will access the program and connect to the Carrot care team by registering with your Rubrik email to confirm eligibility. Your enrollment is kept anonymous and you can change your contact information at any time once your account has been created.

Preparing for retirement is a top priority of smart financial planning. Rubrik offers a 401(k) Plan through Fidelity to help you save for retirement via payroll contributions. Fidelity offers a variety of investment options to grow your earnings.

At Rubrik, you have the option to contribute via traditional pre-tax deductions or post-tax with Roth or after-tax 401(k). Here are the differences:

• Pre-tax distributions (aka withdrawals at retirement age) are taxable .
• Roth funds are taxed at contribution, but tax free at distribution. 
• After-tax contributions allow you to contribute above the standard IRS maximum. Funds are taxed both at contribution and distribution. Converted after tax to Roth upon contributing so that growth is tax free at retirement.

2022 401(k) Contribution Maximums

• Pre-tax and Roth: $20,500 combined

• After tax: $38,500 

• Catch-up contribution (age 50 and older): $6,500 

Ways to invest your 401(k)

All 401(k) funds, regardless of contribution type, will be invested the same. Not sure how to invest and which funds to put your savings into? Leave it to the pros and choose a Target Date Fund. Your 401(k) funds will be diversified based on how far or close you are to retirement age -- the more time you have, the more aggressive your savings will be invested and it will move to a more conservative array as you age closer to retirement. 

You also have the option to choose a Self-Directed Brokerage Account where you can choose to invest in individual stocks. You can speak to a Fidelity Planning Advisor or sign up from Rubrik's voluntary financial wellness program, BrightPlan, for professional assistance in managing and investing your savings wisely!

BrightPlan is a financial wellness solution to provide you with comprehensive financial planning support during all market conditions and stages of life.

• A sophisticated financial plan to achieve your most important financial goals
• Advice on existing investments, such as 401(k)
• Access to speak with a fiduciary financial advisor
• An automated smart budget and spending analysis
• Financial education tailored to Rubrik benefits

You can get started with this benefit by clicking the registration link here or downloading the BrightPlan app.

BrightPlan is available to you at the discounted rate of $10 per month. This benefit can be canceled at any time for any reason.

It’s important to give some serious thought to what expenses and income needs your dependents would have if something happened to you. To make sure you have financial protection, Rubrik offers employer-paid Group Life and Accidental Death & Dismemberment (AD&D) insurance. For Basic Life & AD&D coverage choose from two times your annual earnings, or select a flat $50K to avoid imputed income tax (see Benefit Guide for more information). 

You may purchase additional Optional Life and AD&D insurance for you, your spouse, and your children through Lincoln. As a new hire, you can select up to $250K with no Evidence of Insurability (EOI) required! For Open Enrollment, you may elect up to two incremental increases up to the Guarantee Issue without EOI for yourself or your spouse. 

Disability insurance, provided through Lincoln, replaces a portion of your income when you are unable to work due to a qualified illness or injury.

Pregnancy, a scheduled surgery, or an unplanned illness or injury could keep you off the job and without income for an extended period of time. STD can protect part of your paycheck should you become disabled. STD is provided at no cost to you. You're automatically covered and no enrollment is needed.

LTD ensures you have a portion of your income replaced if you can’t work for an extended period of time due to an illness or injury. LTD payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever comes first. Certain exclusions and pre-existing condition limitations may apply. LTD is provided at no cost to you – you're automatically covered and no enrollment is needed. 

If you need time off with a leave of absence, Rubrik provides generous leave policies including paid leave, so that combined with STD/LTD, you continue to receive 100% of your base pay so you can focus on what matters most -- you and your family's well-being. Watch the video above to learn more about Rubrik’s LOA policies and processes. When you need to take extended time off for an eligible leave, contact your manager and the Benefits Team as soon as possible to start the process for filing your LOA.