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Annual Enrollment is your once-a-year opportunity to elect or make changes to your benefits. Choose carefully! With some exceptions, your choices remain in effect through December 31, 2023.


You MUST enroll in medical to have coverage for 2023. 

Two Ways to Enroll


Call the Benefits Center at 1-844-44-DFSCO (1-844-443-3726) 
Monday through Friday during standard business hours.

Your Enrollment Checklist

Use this checklist to guide you through the Annual Enrollment process:

  • Review your options and learn what's new for 2023. 
  • Review and/or update your dependents at
  • Make your Tobacco-free Pledge if you didn't already.
    • DFIN encourages you to lead a healthy lifestyle. That's why the company offers a discount on medical premiums if you don't use tobacco products. If you are a tobacco user and will not participate in the tobacco-cessation program in 2023, you will pay a surcharge.
  • Decide how much you want to contribute to your Health Savings Account (HSA) or your Limited-Use FSA if you're enrolled or enrolling in the Bronze HSA or Silver HSA medical plan.
    NOTE: You must elect your HSA contributions during Annual Enrollment to ensure they begin on January 1, 2023, even though you can change your contribution amount at any time.
  • Decide how much you want to contribute to your Full-Use FSA if you're enrolled or enrolling in the Gold PPO medical plan.
  • Review and/or update your beneficiary information for life insurance, HSA and 401(k) Savings Plan and supplemental health care.
  • Go to to enroll or make changes to your benefits by the enrollment deadline.


Your tobacco declarations for medical and optional life insurance must match. If they don't, DFIN will contact you.

If You Don't Enroll

Here's what will happen if you don't take action by the enrollment deadline:

All Benefits

  • You will maintain your current medical, dental, vision, life and AD&D, LTD Buy-up, Supplemental Health Care and Supplemental STD coverage for 2023.
  • If you are currently covered by the HSA option, you will not make any contributions to your HSA beginning on January 1, 2023, even if you currently contribute.
  • You will not be able to contribute to an FSA, even if you currently contribute.
  • You will receive the tobacco-free credit toward your medical premium if you make a Tobacco-free Pledge in 2023.


For a few benefits, you can make changes at any time, including your HSA contribution amount and certain voluntary benefits, such as auto and home insurance, commuter benefits, and pet insurance.