Get Ready for 2021 Open Enrollment: October 12 – 25, 2020

Open Enrollment for your 2021 benefits begins October 12, 2020 and ends October 25, 2020. This is your once-a-year opportunity to review your needs and choose the benefits that provide the best coverage and value for you and your family.

To understand which benefits are available to you as a full-time and part-time associate, review the Benefits Available to Associates document.

Take Action

This year, you are not required to re-enroll if you would like to continue your current (2020) benefit elections. Your 2020 coverage will automatically continue in 2021 except for your payroll contributions to your Health Savings Account (HSA) and Dependent Care Flexible Spending Account (FSA). To take advantage of these benefits in 2021, you must enroll during Open Enrollment.

If you would like to add, change, or remove benefit elections for 2021, you must take action to change your benefit elections during Open Enrollment. This is your annual opportunity to make any changes in your coverage unless you experience a qualifying life event.

As you prepare to enroll, be sure to review Your Enrollment Checklist.


The 2021 Benefit Guide provides a complete overview of your 2021 benefits.

Learn about your 2021 benefits and chat with providers using this fun, interactive tool.

Review your costs for coverage in 2021.

Benefitfocus decision tool

Take the guesswork out of choosing a medical insurance plan. Find the Benefitfocus tool in Workday beginning October 12, 2020.

What’s New for 2021

As part of our ongoing strategy to simplify our benefits program and make it easier for you to navigate, the following benefits and features are changing for 2021. Click each link below to see more details on what’s changing.

  • Health Savings Account (HSA): New matching formula for Belk’s contributions
  • 2021 Rates: Slight increase to dental premium rates
  • Medical ID Cards: You’ll receive a new Blue Cross NC ID card for 2021; use the new card beginning January 1, 2021
  • Paid Time Off (PTO) rollover: If you have accrued any unused PTO at the end of December 31, 2020, you can still use up to 40 hours of rollover PTO through April 30, 2021
  • Legal Plan: The same plan will now be offered through MetLife (formerly Hyatt Legal)
  • Pet Insurance: The same plan will now be offered through MetLife (formerly Nationwide)

Health Savings Account (HSA)

To encourage you to contribute to your Health Savings Account (HSA), Belk’s contributions will now be linked to your own. When you contribute to your HSA, Belk will match your pre-tax contributions dollar-for-dollar up to a maximum amount: $400 annually for individual coverage and $800 annually for family coverage. This new matching contribution formula is the same for all Belk medical plans.

But don’t stop there! We encourage you to contribute more than the amount Belk matches—up to the annual IRS limit. The combined 2021 limits for all HSA contributions (yours and Belk’s) are:

  • $3,600 for individual coverage
  • $7,200 for all other coverage levels
  • Additional $1,000 catch-up contribution for those 55 and older

These contribution limits include your contribution, Belk’s matching contribution, and any incentives earned from our wellbeing program.

If you contribute to your HSA through a payroll deduction, the annual minimum contribution is $50, and you can change your contribution amount at any time.

Note that if you do not contribute to your HSA you will not receive a contribution from Belk.

While you can begin or change contributions to an HSA at any point in the year, Open Enrollment is a great time to consider setting up a payroll deduction to build your HSA in 2021.

Visit Health Savings Account (HSA) page for more information.

2021 Rates

Belk works to keep your costs as low as possible. To continue to offer you comprehensive and competitive benefits, your dental coverage contributions will increase slightly. For medical, vision, and all other coverage, contributions will stay the same.

Paid Time Off (PTO) Rollover

For the 2020 calendar year, Belk will continue the rollover provision for PTO for all associates. If you have accrued any unused PTO at the end of December 31, 2020, you can still use up to 40 hours of rollover PTO through April 30, 2021. All PTO rollover time must be used by April 30, 2021 or it will be forfeited.

Medical ID Cards

If you enroll in a BlueCross BlueShield of North Carolina (BCBS NC) medical plan, you’ll receive a new ID card prior to January 1, 2021 with a new group and member number.

You should continue to use your current ID card through December 31, 2020 and begin using the new ID card beginning January 1, 2021.

What’s Not Changing for 2021

GOOD NEWS! Rates and deductibles for medical and vision insurance will not go up for 2021.

  • Our medical plan provider, BCBS NC
  • Our prescription drug provider, Express Scripts
  • Delta Dental of North Carolina, our dental provider for full-time and part-time associates
  • EyeMed, our vision care provider
  • Dependent Care Flexible Spending Account (FSA): You must re-enroll to contribute in 2021
  • ConnectYourCare, administrator of your HSA and dependent care FSA
  • Life and Disability insurance through Unum
  • 401(k) Savings Plan administered by Charles Schwab
  • QuitlineNC tobacco cessation program with BCBS NC
  • Livongo diabetes and hypertension care
  • Employee Assistance Program (EAP)
  • Home and auto insurance through MetLife
  • Access to Milk Stork, the breast milk delivery service for traveling moms

How to Enroll

Enroll in Workday during the Open Enrollment period from October 12 - 25, 2020. When enrollment is open, you’ll receive a task in your Workday inbox.

After Open Enrollment, you cannot change your benefit elections unless you experience a qualifying life event, such as a birth or a marriage. You have 31 days after the qualifying event to change your elections.

What if I Have a Qualifying Life Event?

If you have a qualifying life event, visit the How to Enroll page to understand what you must do to keep your benefits current.

Your Enrollment Checklist

  • Learn about your benefit options, paying special attention to the changes coming next year.
  • Think about your coverage needs. Although many of your 2020 elections will roll over, take the opportunity to review your coverage and prepare to make any changes during Open Enrollment.
  • Make sure your dependent information is correct and all your dependents are still eligible.
  • Review your beneficiaries. It’s a good idea to review your beneficiary information (especially if your personal circumstances have changed) and take this opportunity to make updates as needed.
  • Verify your mailing address in Workday. Be sure your mailing address is up to date because this is the address your benefit information and ID cards will be sent to.
  • Complete your benefits enrollment October 12 – 25, 2020. Remember that your current benefit elections will roll over from 2020 to 2021. However, you must enroll in Workday during Open Enrollment if you want to make changes to any of your current elections or make contributions to an HSA or dependent care FSA next year.