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2026 Open Enrollment
New to Niagara?
Part-Time/Seasonal/Intern Benefits
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Learn More with ALEX
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FAQs
Benefits Overview
Advocacy Services
Medical
Pharmacy
Teladoc Virtual Care
Dental
Vision
HSA & FSA
401(k) Retirement Plan
Life Insurance, Disability, and Leaves of Absence
Education
Work/Life Benefits
Family Benefits
Medicare
Mental Wellbeing
Wellness & Discounts
Wellness Program
Team Member Discounts
Rates & Contacts
2025 Payroll Contributions
2026 Payroll Contributions
COBRA 2025 Rates
COBRA 2026 Rates
Contacts
Important Documents
Home
Enroll or Make Changes
2026 Open Enrollment
New to Niagara?
Part-Time/Seasonal/Intern Benefits
Make Changes
Learn More with ALEX
Enroll Through Workday
FAQs
Benefits Overview
Advocacy Services
Medical
Pharmacy
Teladoc Virtual Care
Dental
Vision
HSA & FSA
401(k) Retirement Plan
Life Insurance, Disability, and Leaves of Absence
Education
Work/Life Benefits
Family Benefits
Medicare
Mental Wellbeing
Wellness & Discounts
Wellness Program
Team Member Discounts
Rates & Contacts
2025 Payroll Contributions
2026 Payroll Contributions
COBRA 2025 Rates
COBRA 2026 Rates
Contacts
Important Documents
Important Documents
Summary Plan Description
Medical & Prescription Drugs
HSA/FSA
Dental
Vision
Life, Disability, and LOA
Work/Life Benefits
Family-Friendly Benefits
401(k) Plan
COBRA, Compliance, & Medicare
Hydrate Your Health Wellness
SOPs & Glossary
Cigna HSA
2025 Cigna HSA SBC
2026 Cigna HSA SBC
Cigna HSA SPD
Cigna PPO
2025 Cigna PPO SBC
2026 Cigna PPO SBC
Cigna PPO SPD
Cigna PPO High
2025 Cigna PPO High SBC
2026 Cigna PPO High SBC
Cigna PPO High SPD
Other Documents
How to Print your Cigna ID Card
Out of Network – Claim Information
Preventive Derm – Letter for your Doctor
Teladoc Health – Dermatology
Teladoc Health – Dermatology Getting Started
Teladoc Health – Dermatology Informational Flyer
Prime Therapeutics Prescription Plan
Flu Vaccine
Maintenance-Medications
Prime Prescription Drug Claim Form
Prime Specialty Pharmacy flyer
Prime Therapeutics Rx Formulary
Quick Reference Formulary
Understanding Prior Authorization
Understanding your pharmacy benefits
Understanding-Step-Therapy
ValueMax
HSA
Fidelity HSA Benefit Summary
How to Change Your HSA Election
How to Invest Your Fidelity HSA
HSA Tips
FSA
Fidelity NetBenefits Reimbursement Accounts Service
FSA Guide
How to Change Dependent Care FSA Elections
Dental High
Delta Dental PPO High Benefits Summary
Delta Dental PPO High Plan Booklet
Dental Low
Delta Dental PPO Low Benefits Summary
Delta Dental PPO Low Plan Booklet
Other Documents
Delta Dental Online Tools
Delta Dental Vital Connection Between Oral and Overall Health
VSP High
VSP High Plan Booklet
VSP High Plan Summary
VSP Low
VSP Low Plan Booklet
VSP Low Plan Summary
Other Documents
Check out vsp.com
Eyeconic
Keep Your Eyes Healthy for Life
Niagara Bottling Evidence Certificate of Coverage
TruHearing Hearing Aid Discount
VSP Exclusive Member Extras
VSP Member OON Reimbursement
VSP Save Extra on Frames
Life and AD&D
Flex Life AD&D Flyer
Flex Life AD&D Flyer Class 1
Flex Life AD&D Flyer Class 2
Life and AD&D (All Active FT Employees Outside the U.S)
Life and AD&D (All Active Managers, Directors, and above)
Life and AD&D (All FT Active Employees)
Life and AD&D Certificate (All Active FT employees)
Life and AD&D Certificate (All Active FT Managers_Directors)
Unum How to File a Claim
Unum Life Planning Brochure
Unum Life Portability Form
Short Term Disability
Short Term Disability Certificate of Coverage
Long Term Disability
Long-term Disability Benefits Summary – Spanish
Long-term Disability Benefits Summary English
Long-term Disability Certificate of Coverage
Leave of Absence
LeaveLogic Absence Planning Tool (English)
LeaveLogic Leave of Absence Planning Tool (Spanish)
Niagara's Caregiver Leave Policy
Niagara's Parental Leave Policy
Accident Plan
Benefits Summary
Benefits Summary – Spanish
How to File a Claim
Critical Illness
Beneficiary Form
California Consumer Privacy Act
Claim Form
Critical Illness Benefits Summary
Wellness Benefit Claim Form
Wellness Screening Benefit
LegalShield & Identity Theft
Identity Theft Benefit Summary
Legal Plan Benefit Summary
LegalShield Account Access
Lyra Mental Well-being
Lyra Overview Flyer
Progyny Fertility
2025 Progyny Benefit Overview Flyer
2025 Progyny Member Guide
2026 Progyny Benefit Overview Flyer
2026 Progyny Member Guide
Fertility Network Specialist
LGBTQ and Family Building
What is Egg Freezing?
What is In Vitro Fertilization?
What is Patient Care Advocate?
Progyny Adoption, Surrogacy, & Doula
Adoption and Surrogacy Policy
Adoption and Surrogacy Taxation Policy
Niagara Progyny Doula FAQ
Niagara Progyny Doula Reimbursement Policy
MilkStork
Breast Milk Shipping
College Planning
529 College Plan Application
Tuition Assistance Policy
Tuition Assistance SOP
Veterinary Discount Plans
Pet Assure Brochure
Pet Assure FAQs
PETPlus Brochure
401(k)
2026 401(k) IRS Contribution Limits
401(k) Financial Advisor Morgan Stanley
Enrolling In or Changing Your 401(k) Contributions
Fidelity Rollover Form
Niagara Water Retirement Plan SPD
QDRO Fidelity Guidelines
COBRA
COBRA General Rights Notice
2025 COBRA Rates
Medicare
Medicare Part D Notice – Creditable Coverage Spanish
Medicare Part D Notice – Creditable Coverage English
Compliance
Compliance Notice (English)
Compliance Notice (Spanish)
Declaration of Domestic Partnership
Summary Annual Report
2023 Niagara Water Retirement Plan Summary Annual Report
2023 Niagara Water Welfare Summary Annual Report
Hydrate Your Health Wellness
How to Schedule a Wellness Visit through Teladoc
Hydrate Your Health 2.0 Overview
Medical
7 Reasons to Use Teladoc
How to Find a Cigna Doctor
How to Join myCigna
Dental
How to Find a Delta Dentist
How to Print a Delta ID card
Wellness
How to Schedule a Wellness Visit through Teladoc
Hydrate Your Health 2.0 FAQ FINAL
Savings Spending Accounts
Changing HSA Elections
How to Change Dependent Care FSA Elections
How to Invest Your Fidelity HSA
401k
Enrolling In or Changing Your 401(k) Contributions
Workday
Beneficiary Change in Workday
Changing Electronic Document Consent SOP
Declaration of Domestic Partnership
How to Add a Dependent SSN in Workday
How To Complete Your New Hire Benefit Elections
Reporting a Voluntary Benefit Change in Workday
Leave of Absence
LeaveLogic Absence Planning Tool (English)
LeaveLogic Leave of Absence Planning Tool (Spanish)
Niagara's Caregiver Leave Policy
Niagara's Parental Leave Policy
Mid-Year Changes
How to Report a Qualifying Life Event
Reporting a Voluntary Benefit Change in Workday
Supporting Documentation for your QLE
Education
529 College Plan Application
Tuition Assistance Policy
Tuition Assistance SOP
Tax Forms
Locating Your Form 1095
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