Benefits Open Enrollment
Medical, Dental, & Vision Enrollment
November 1 – November 30, 2025
Voluntary Life & AD&D, Voluntary Whole Life, Accident, Critical Illness & Hospital Indemnity (through Unum) Enrollment
November 10 – November 21, 2025
Enrollment with UNUM will be over the phone. To enroll in UNUM benefits please call 866-752-7432 & please provide Enrollment ID #268002.
FEDLogic
Lac du Flambeau of Lake Superior Chippewa Indians has partnered with FEDlogic to provide state and federal benefits information and advocacy to you and your household members. This service is confidential, unlimited, and free to all members and their families whether enrolled in benefits or not. FEDLogic can assist with Medicare, Medicaid, Disability, Social Security Retirement, Child Benefits, Widow Benefits, Supplemental Security Income, Veterans Benefits, Cancer or Terminal Illness, Lou Gehrig’s Disease/ALS, End Stage Renal Disease/ESRD, COBRA alternatives and more. To start the confidential conversation, please call 877-837-4196.
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Visit Employee Resources Page - Employee Access Code: lacd24
Benefit Highlights
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Vision
A covered person may now have their exam at Peter Christensen Health Center and be given their prescription prior to the product sale and use that prescription for eyewear at any optical retail store of their choice. See vision benefits below for more information about material services.
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Disability
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Short Term Disability: Lac du Flambeau recognizes the need to evaluate benefits and the changing landscape of employee needs. The short-term disability benefit amount is 60% of earnings to a maximum of $1,500 per week. This is an increase from the previous maximum weekly benefit of $500.
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Long Term Disability: The long-term disability benefit amount is 60% of covered earnings to a maximum benefit of $10,000 per month. This is an increase from the previous maximum monthly benefit of $5,000.
Health Savings Account
The IRS released Revenue Procedure 2025-26 which provides the 2026 inflation adjusted amounts for High Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs).
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Contribution Limits for 2026
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The HSA contribution limit for individuals with self-only HDHP coverage is $4,400. (A $100 increase from 2025)
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The HSA contribution limit for individuals with family HDHP coverage is $8,750. (A $200 increase from 2025)
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Get To Know Your Benefits.
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Pharmacy with Rx Benefits
To check and see if your prescription requires prior authorization, step therapy, or has quantity limits, click here.
Peter Christensen Health Center
Peter Christensen Health Center provides a comprehensive care designed to help you manage your health in the most convenient way possible.
The benefit changes that you make during Annual Open Enrollment will remain in effect for the entire year. You are not able to change or revoke your elections once they are made, unless a life event occurs. Below are a list of qualified life events that would allow you to make benefit changes:
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A Change in Marital Status: Marriage, divorce, death of spouse
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A Change in the number of your dependents: Birth or adoption, death of a dependent
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Termination or commencement of employment by employee, spouse, or dependent
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A change in employee’s work hours that impact eligibility
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