Life can be unpredictable, and facing challenges, big or small, is something we all experience. To support you through life’s ups and downs, all employees, as well as their family members and dependents, have access to the Hartford Ability Assist Counseling Services. This no-cost, confidential resource is here to help manage stress, navigate changes, and take care of your well-being whenever needed.

Ability Assist® Counseling Services makes it easy to get support. Their team is available anytime, anywhere, offering a simple way to access help when life gets complicated.

Helps address stress, relationship, or other personal issues you may face. It is staffed by highly trained clinicians who listen to concerns and quickly make referrals to in-person counseling or other valuable resources. The service offers a limit of three counseling sessions per issue, ensuring focused and effective support. Situations may include:

• Job pressures
• Work/school disagreements
• Relationship/marital conflicts
• Substance abuse
• Stress, anxiety, and depression
• Child and elder care referral services

Provides unlimited over-the-phone support for the complicated financial decisions you may face. Speak by phone with a Certified Public Accountant and Certified Financial Planners on a wide range of financial issues. Topics may include:

• Managing a budget
• Tax questions
• Retirement Saving for college
• Getting out of debt

Offers unlimited over-the-phone assistance in case of legal uncertainties. Rest assured that all conversations are confidential and will not be shared with your employer, providing you with a safe space to discuss important issues. Talk to an attorney by phone about the issues that are important to you. If you require representation, you’ll be referred to a qualified attorney in your area with a 25% reduction in customary legal fees thereafter. Topics may include:

• Debt and bankruptcy
• Power of attorney
• Guardianship
• Divorce
• Buying a home

HealthChampionSM is a service that supports you through all aspects of your health care issues. HealthChampion is staffed by both administrative and clinical experts who understand the nuances of any given health care concern. Situations may include:

• One-on-one review of your health concerns
• Preparation for upcoming doctor’s visits/lab work/tests/surgeries
• Answers regarding diagnosis and treatment options
• Coordination with appropriate health care plan provider(s)
• An easy-to-understand explanation of your benefits – what’s covered and what’s not
• Cost estimation for covered/non-covered treatment
• Guidance on claims and billing issues
• Fee/payment plan negotiation

For access over the phone, simply call toll-free 800-96-HELPS (800-964-3577)

Visit guidanceresources.com to access hundreds of personal health topics and resources for child care, elder care, attorneys, or financial planners.

If you’re a first-time user, click on the Register tab.

1. In the Organization Web ID field, enter: HLF902
2. In the Company Name field at the bottom of the personalization page, enter: ABILI
3. After selecting “Ability Assist program”, create your own confidential user name and password.

Open Enrollment is an annual opportunity for you to make changes to your benefits. Changes made at open enrollment are effective January 1, 2026.

ACTION IS REQUIRED if you want to participate in our Healthcare Flexible Spending Account (FSA) or our Dependent Care Flexible Spending Account for the 2026 plan year. Your current election will not roll over. For these tax-favored accounts, you must elect a NEW annual contribution amount to continue payroll deductions. If you fail to elect a new contribution, you must wait until the next open enrollment period to elect coverage. 

NO ACTION IS REQUIRED if you don’t want to make any changes to health, vision, or voluntary life insurance coverage. You will keep your current benefits, and your coverage(s) will roll over as-is, effective January 1, 2026, without taking any action.

Each year, it is good practice to review and update the beneficiaries for your employer-paid and voluntary life insurance. Beneficiaries can be changed at any time of the year, but open enrollment is a good time to review and update if necessary.

This is also a good time to review any personal information, such as address, phone number, and emergency contact information.

More information will be provided during your upcoming scheduled property Teams call. Please check with your Property Manager for your meeting’s date and time, if unsure.