Benefits Enrollment

Follow the instructions below on how to enroll in your 2020 State benefits. If you are making changes to your benefits due to a qualifying status change, please visit the Status Changes page for enrollment instructions that are specific to you.

Medical/Prescription, Dental, Vision, FSA

  1. If you are enrolling in medical coverage and you want to designate a Primary Care Provider (PCP) for yourself and/or any dependents, have your 10-digit PCP National Provider Identifier (NPI) ready
    • Follow these Step-by-Step Instructions to find your preferred PCP(s) and their 10-digit NPI(s). Write down the number(s) so that you will be ready to enter them when you log in to Workterra.
  2. Make your health elections via Workterra, the State's online enrollment system
    • Log in to sori.workterra.net
    • › Login credentials
      • User Name: First initial of your first name, your full last name (no hyphens, apostrophes, spaces or titles), last four digits of your SSN
        • Example: if your name is John O’Brien-Johnson, Jr. and the last four digits of your SSN are 1234, your user name would be “jobrienjohnson1234”
      • Password: First five digits of your SSN.
        • You will change this upon first login. Be sure to write down your new password!
      • Company: Rhode Island (not case sensitive; space between "Rhode" and "Island" is required)
      • Can't log into Workterra / need help resetting your password? Call the BCBSRI State Employee CARE Center at (401) 429-2104 or 1-866-987-3705. CARE Center hours are Monday–Friday, 8am–8pm and Saturday, 8am–12pm.
    • Follow the Workterra User Guide for detailed instructions on how to navigate and make your elections in Workterra.
    • If you are adding a NEW dependent, be sure to review the instructions below:
    • › ENROLLING DEPENDENT(S)
      • If you are adding a NEW dependent, be sure to scan and submit supporting documentation to Workterra as you make your benefits elections.
      • All elections are pended for administrator review. If you added a new dependent to your elections (one that was not already in Workterra when you first logged in) but did not submit supporting documentation in a timely manner proving the relationship, your elections WILL be rejected.
      • When you get to the medical/dental/vision enrollment sections, CHECK THE BOX next to any dependent in order to enroll them.
      • After completing all of your plan elections you will come to the Confirmation Statement. If you enrolled any dependent(s), be sure to check that their name(s) appear in the ENROLLMENT SUMMARY section.
        • If your dependent(s) do not appear in the Enrollment Summary, that means they are NOT enrolled! You must return to the appropriate enrollment sections and check the box(es) next to their name(s).
    • If you have an ex-spouse, please note the following:
    • › Regarding coverage for ex-spouses

      (Not applicable to new employees)

      When you log into Workterra, if your ex-spouse is currently covered, you will see that their relationship status is "Spouse."

      • If you are divorced and your ex-spouse has been continuously covered under your plan since before January 1, 2014, and you intend to continue that coverage in 2019, please do not change your ex-spouse’s relationship status to "Ex-Spouse." If you change the status to "Ex-Spouse" they will be ineligible for coverage, any current coverage will be terminated and COBRA will be offered.
      • If you wish to remove your ex-spouse from coverage, change their relationship status to "Ex-Spouse."
      • Please note that ex-spouses not continuously covered since before January 1, 2014 are ineligible for coverage.
  3. Workterra support:
    • For detailed instructions on how to navigate and make your elections in Workterra, follow the Workterra User Guide.
    • If you need help with logging into Workterra / resetting your password, or finding your PCP and their 10-digit NPI, call the BCBSRI CARE Center at (401) 429-2104 or 1-866-987-3705. CARE Center hours are Monday–Friday, 8am–8pm and Saturday, 8am–12pm.

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Health Savings Account (HSA)

Only applicable if you are enrolled in the Anchor Choice Plan with HSA

  • If you enroll in the Anchor Choice Plan with HSA, an HSA will be automatically opened for you.
  • The State contributes up to $1,500/$3,000 for individual/family coverage each plan year*
  • To make additional voluntary contributions via payroll deductions**, complete and submit the HSA Employee Payroll Deduction Authorization Form by:
    • Using the "Upload Documents" option in Workterra
    • Emailing , or
    • Faxing to (401) 574-9281
  • 2020 contribution limits (including any contributions from the State):
    • Individual coverage: $3,550
    • Family coverage: $7,100
    • Additional catch-up contribution for age 55 and over: $1,000

* Contributions are made biannually with half deposited on January 1 and the other half deposited on July 1. The State’s HSA contributions are not pro-rated for employees that enroll after those dates.
** You may make changes to your HSA contribution at any time during the year.

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Supplemental Benefits

› Deferred Compensation

Click here if you want to learn more about deferred compensation.

The State offers investment options from three providers: Fidelity, TIAA, and Voya

You may enroll in the 457 Plan at any time during the year.

To enroll in the 457 Plan, please follow the steps below:

  1. Log in to your Retirement@Work account to choose your investment provider(s) and salary deferrals. If you are a new employee, you will not be able to access Retirement@Work until you receive your first paycheck.
  2. Follow the on-screen prompts and visit the website(s) of the investment provider(s) you choose to complete your account set-up, including fund selections and assigning your beneficiaries. If you don't complete your account set-up with each investment provider you selected, your contributions will either reject or be directed to an age-appropriate target date fund.

If you have any enrollment-related questions, please call Retirement@Work at (855) 200-0135.

› Group Life Insurance

Click here if you want to learn more about group life insurance.

New hires are automatically enrolled into basic life insurance coverage at the time of hire unless they elect to waive life insurance coverage.

To enroll in life insurance coverage or waive life insurance coverage, submit the Group Term Life Insurance Enrollment Form during an enrollment period by:

  • Using the "Upload Documents" option in Workterra (recommended)
  • Emailing , or
  • Faxing to (401) 574-9281
    • Be sure to keep your fax confirmation for proof of submission!
Evidence of Insurability

If you want to add supplemental coverage at a later date, or if you initially waived all coverage and want to elect some level of coverage at a later date, you are considered a late applicant and will need to submit the Group Term Life Insurance Enrollment Form and provide evidence of insurability (EOI) to The Hartford when prompted. “Providing EOI” usually only means completing a medical history questionnaire, but The Hartford may request additional information/documentation. Life insurance coverage for late applicants is not effective unless and until The Hartford approves the application. The EOI process is handled entirely by The Hartford.

› Legal Services

Click here if you want to learn more about legal services.

To elect legal coverage, submit the Legal Care Deduction Authorization Form by:

  • Using the "Upload Documents" option in Workterra (recommended)
  • Emailing , or
  • Faxing to (401) 574-9281
    • Be sure to keep your fax confirmation for proof of submission!
› Short-term Disability Insurance

Click here if you want to learn more about short-term disability insurance.

Please contact the Aflac or Colonial Life RI office to enroll or obtain additional information regarding coverage options and plan costs. Make sure you identify yourself as a State of Rhode Island employee.

› CollegeBound Saver

Click here if you want to learn more about CollegeBound Saver.

The CollegeBound Saver program is administered through the Office of the General Treasurer. Click here for the CollegeBound payroll deduction instructions.

Note: You can make changes to your deductions at anytime during the year.

› RIPTA Transit Passes

Click here if you want to learn more about RIPTA transit passes.

To purchase or to stop purchasing your RIPTA passes, please complete, sign and submit the RIPTA Payroll Deduction Form to your agency payroll office. Please submit this form roughly two months before the month in which you would need to use your RIPTA passes.

See the RIPTA Payment Schedule for the list of payment and pass effective dates.

If you are purchasing RIPTA passes, your agency payroll office will distribute the passes to you prior to the start of the month for which the passes will be effective.*

*Any unclaimed transit passes will be returned to RIPTA. It is your responsibility to obtain a refund directly from RIPTA (if permitted by RIPTA) for any unwanted or unused transit passes once a transit pass has been purchased via a payroll deduction.

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If You Need Assistance

  • For detailed instructions on how to navigate and make your elections in Workterra, follow the Workterra User Guide.
  • If you need help with logging into Workterra / resetting your password, or finding your PCP and their 10-digit NPI, call the BCBSRI CARE Center at (401) 429-2104 or 1-866-987-3705. CARE Center hours are Monday–Friday, 8am–8pm and Saturday, 8am–12pm.
  • For general enrollment-related questions, please email the Office of Employee Benefits at or call (401) 574-8530.
  • If you have questions about plan coverage specifically, please contact the plan administrators:

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