Welcome to your 2025 League benefits program!
Our mission is to empower you to live a healthier, happier life. At League, we understand that one size never fits all. That’s why we offer personalized benefits for maximum flexibility. We have three separate medical coverage plans to best meet the individual needs of you and your family. We also offer a collection of perks including a generous Lifestyle Spending Account (LSA) with flexibility for you to prioritize your wellness goals. We want to be able to support the needs of every Leaguer (that’s you!) and your loved ones.
Let’s get you set up for 2025!
We’re here to support you on your journey.
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Caregiver Benefits
Our new League partner, Cariloop, can support you as you support your loved ones! Cariloop provides digital resources, a secure platform and access to a care coach who can guide you through any caregiving journey such as caring for a neurodivergent child, caring for an elderly parent, managing a serious health diagnoses and many more. Check your League wallet for information on how to access this free service.
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Health Profile & Programs
Based on your health profile, receive recommended programs with daily tasks that inspire healthy choices.
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Digital Wallet
All of your benefits coverage and information about your perks, all in one place.
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MY PLANS
Let’s take a look at your plan options.
At League, we’re lucky to have multiple generations within the workforce with a diverse set of needs and preferences. We all interact with our benefits in a different way. We have three separate medical and coverage plans to let you pick the coverage plan that best supports you (and your loved ones).
Flexible
HSA Medical Plan
The Flexible HSA Plan offers a Health Savings Account (your account with triple tax advantage!) with the highest deductible level to meet before the plan begins to pay for covered medical services and prescription drugs. This plan is free for Leaguers and has a small payroll deduction to cover dependents.
Balanced
HRA Medical Plan
The Balanced HRA Plan offers a Health Reimbursement Account (Employer owned pre-tax account) with a moderate deductible level to meet before the plan begins to pay for covered medical services, and a moderate payroll deduction.
Enhanced
PPO Medical Plan
The Enhanced PPO Plan offers a copay-driven plan option and has the highest premium payroll deductions with the lowest deductible level out of the three medical plan offerings.
$6,000 family
No more than $3,300 per individual within a family
$3,600 family
No more than $1,800 per individual within a family
$1,500 family
No more than $750 per individual within a family
$8,000 family
No more than $4,000 per individual within a family
$8,000 family
No more than $4,000 per individual within a family
$8,000 family
No more than $4,000 per individual within a family
Deductible does not apply
Deductible does not apply
Deductible does not apply
100% Covered by Plan after deductible
100% Covered by Plan after deductible
Virtual:
100% Covered by Plan
Deductible does not apply
100% Covered by Plan
Deductible does not apply
100% Covered by Plan after deductible
100% Covered by Plan
Deductible does not apply
100% Covered by Plan
Deductible does not apply
Deductible does not apply
Medical Deductible applies, then:
$10 generic
$35 preferred brand
$75 non-preferred brand
$150 speciality
*Note: Mail-order (90 day supply) is twice the Retail amount for generic, preferred brand, and non-preferred brand. Specialty drugs are 30 day supply only.
Medical Deductible does not apply, then:
$10 generic
$35 preferred brand
$75 non-preferred brand
$150 speciality
*Note: Mail-order (90 day supply) is twice the Retail amount for generic, preferred brand, and non-preferred brand. Specialty drugs are 30 day supply only.
Medical Deductible does not apply, then:
$10 generic
$35 preferred brand
$75 non-preferred brand
$150 speciality
*Note: Mail-order (90 day supply) is twice the Retail amount for generic, preferred brand, and non-preferred brand. Specialty drugs are 30 day supply only.
$1,000 single
$2,500 family
Prorated for new hires based on quarter of Leaguer’s hire date.
2H 2025 contributions subject to Leaguer & partner participating in our Know Your Numbers Wellness initiative.
$1,000 single
$2,500 family
Prorated for new hires based on quarter of Leaguer’s hire date.
2H 2025 contributions subject to Leaguer & partner participating in our Know Your Numbers Wellness initiative.
$0
Maximum annual contribution from League + EE combined:
$4,300 single
$8,550 family
(plus $1,000 if age 55+)
Limited Purpose Flexible Spending Account (LPFSA)
Maximum Annual Contribution of $3,200
Maximum annual contribution: $3,200
Maximum Annual Contribution: $3,200
EE only: $0
EE + Spouse: $30.00
EE + Child(ren): $20.00
EE + Family: $35.00
EE only: $40.00
EE + Spouse: $90.00
EE + Child(ren): $70.00
EE + Family: $100.00
EE only: $120.00
EE + Spouse: $250.00
EE + Child(ren): $240.00
EE + Family: $340.00
For more details, important limitations and exclusions, please review the formal plan documents.
Flexible
HSA Medical Plan
The Flexible HSA Plan offers a Health Savings Account (your account with triple tax advantage!) with the highest deductible level to meet before the plan begins to pay for covered medical services and prescription drugs. This plan is free for Leaguers and has a small payroll deduction to cover dependents.
- Medical – Member Pays (unless noted otherwise) In-Network Benefits
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Deductible – accumulates based on calendar year
$3,000 single
$6,000 family
No more than $3,300 per individual within a family -
Out of Pocket Maximum – accumulates based on calendar year
$4,000 single
$8,000 family
No more than $4,000 per individual within a family -
Preventive Care
100% Covered by Plan
Deductible does not apply -
Physician Office Visits – Primary Care & Specialist
In-office & Virtual:
100% Covered by Plan after deductible -
Physician Office Visits – Mental Health & Behavioral Health
In-office & Virtual:
100% Covered by Plan after deductible - Coinsurance 10% after deductible
- Hospital 10% after deductible
- Emergency Room 10% after deductible
- Urgent Care 10% after deductible
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Prescription Drugs Retail – 30 day supply
Retail Prescription Drugs*
Medical Deductible applies, then:
$10 generic
$35 preferred brand
$75 non-preferred brand
$150 speciality
*Note: Mail-order (90 day supply) is twice the Retail amount for generic, preferred brand, and non-preferred brand. Specialty drugs are 30 day supply only. -
Spending Accounts: Employer Contributions – Annual amounts / contributed quarterly
Health Savings Account (HSA)
$1,000 single
$2,500 family
Prorated for new hires based on quarter of Leaguer’s hire date.
2H 2025 contributions subject to Leaguer & partner participating in our Know Your Numbers Wellness initiative. -
Spending Accounts: Employee Contributions
Health Savings Account (HSA)
Maximum annual contribution from League + EE combined:
$4,300 single
$8,550 family
(plus $1,000 if age 55+)
Limited Purpose Flexible Spending Account (LPFSA)
Maximum Annual Contribution of $3,200 -
Your Monthly Premium Contribution
Monthly Payroll Deductions:
EE only: $0
EE + Spouse: $30.00
EE + Child(ren): $20.00
EE + Family: $35.00 -
Note
This summary of benefits is a brief outline of coverage, designed to help you with the selection process.
For more details, important limitations and exclusions, please review the formal plan documents.
Balanced
HRA Medical Plan
The Balanced HRA Plan offers a Health Reimbursement Account (Employer owned pre-tax account) with a moderate deductible level to meet before the plan begins to pay for covered medical services, and a moderate payroll deduction.
- Medical – Member Pays (unless noted otherwise) In-Network Benefits
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Deductible – accumulates based on calendar year
$1,800 single
$3,600 family
No more than $1,800 per individual within a family -
Out of Pocket Maximum – accumulates based on calendar year
$4,000 single
$8,000 family
No more than $4,000 per individual within a family -
Preventive Care
100% Covered by Plan
Deductible does not apply -
Physician Office Visits – Primary Care & Specialist
In-office:
100% Covered by Plan after deductible
Virtual:
100% Covered by Plan
Deductible does not apply -
Physician Office Visits – Mental Health & Behavioral Health
In-office & Virtual:
100% Covered by Plan
Deductible does not apply - Coinsurance 20% after deductible
- Hospital 20% after deductible
- Emergency Room 20% after deductible
- Urgent Care 20% after deductible
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Prescription Drugs Retail – 30 day supply
Retail Prescription Drugs*
Medical Deductible does not apply, then:
$10 generic
$35 preferred brand
$75 non-preferred brand
$150 speciality
*Note: Mail-order (90 day supply) is twice the Retail amount for generic, preferred brand, and non-preferred brand. Specialty drugs are 30 day supply only. -
Spending Accounts: Employer Contributions – Annual amounts / contributed quarterly
Health Reimbursement Account (HRA)
$1,000 single
$2,500 family
Prorated for new hires based on quarter of Leaguer’s hire date.
2H 2025 contributions subject to Leaguer & partner participating in our Know Your Numbers Wellness initiative. -
Spending Accounts: Employee Contributions
Flexible Spending Account (FSA)
Maximum annual contribution: $3,200 -
Your Monthly Premium Contribution
Monthly Payroll Deductions:
EE only: $40.00
EE + Spouse: $90.00
EE + Child(ren): $70.00
EE + Family: $100.00
Enhanced
PPO Medical Plan
The Enhanced PPO Plan offers a copay-driven plan option and has the highest premium payroll deductions with the lowest deductible level out of the three medical plan offerings.
- Medical – Member Pays (unless noted otherwise) In-Network Benefits
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Deductible – accumulates based on calendar year
$750 single
$1,500 family
No more than $750 per individual within a family -
Out of Pocket Maximum – accumulates based on calendar year
$4,000 single
$8,000 family
No more than $4,000 per individual within a family -
Preventive Care
100% Covered by Plan
Deductible does not apply -
Physician Office Visits – Primary Care & Specialist
In-office & Virtual:
100% Covered by Plan
Deductible does not apply -
Physician Office Visits – Mental Health & Behavioral Health
In-office & Virtual:
100% Covered by Plan
Deductible does not apply - Coinsurance 20% after deductible
- Hospital 20% after deductible
- Emergency Room Deductible applies, then $300 Copay, then 20% Coinsurance
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Urgent Care
$100 Copay
Deductible does not apply -
Prescription Drugs Retail – 30 day supply
Retail Prescription Drugs*
Medical Deductible does not apply, then:
$10 generic
$35 preferred brand
$75 non-preferred brand
$150 speciality
*Note: Mail-order (90 day supply) is twice the Retail amount for generic, preferred brand, and non-preferred brand. Specialty drugs are 30 day supply only. -
Spending Accounts: Employer Contributions – Annual amounts / contributed quarterly
No Employer Contribution to Spending Accounts
$0 -
Spending Accounts: Employee Contributions
Flexible Spending Account (FSA)
Maximum Annual Contribution: $3,200 -
Your Monthly Premium Contribution
Monthly Payroll Deductions:
EE only: $120.00
EE + Spouse: $250.00
EE + Child(ren): $240.00
EE + Family: $340.00
Dental Base Plan (Unum)
Dental Buy-up Plan (Unum)
$150 family
$150 family
Deductible does not apply
Deductible does not apply
EE only: $4.72
EE + Spouse: $10.03
EE + Child(ren): $9.54
EE + Family: $17.18
Dental Base Plan (Unum)
- Dental – Member Pays (unless noted otherwise): In-Network Benefits
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Deductible – accumulates based on calendar year
$50 single
$150 family - Annual Maximum – Plan Pays accumulates based on calendar year $1,500 Plan Limit
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Preventive & Diagnostic Care
100% Covered by Plan
Deductible does not apply - Basic Restorative Care 20% after deductible
- Major Restorative Care 50% after deductible
- Orthodontia (Adult & Child) No coverage
- Your Monthly Premium Contribution $0
Dental Buy-up Plan (Unum)
- Dental – Member Pays (unless noted otherwise): In-Network Benefits
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Deductible – accumulates based on calendar year
$50 single
$150 family - Annual Maximum – Plan Pays accumulates based on calendar year $2,500 Plan Limit
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Preventive & Diagnostic Care
100% Covered by Plan
Deductible does not apply - Basic Restorative Care 20% after deductible
- Major Restorative Care 50% after deductible
- Orthodontia (Adult & Child) 50% after deductible
- Lifetime Orthodontia Maximum – Plan Pays $2,000 Plan Limit
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Your Monthly Premium Contribution
Monthly Payroll Deductions:
EE only: $4.72
EE + Spouse: $10.03
EE + Child(ren): $9.54
EE + Family: $17.18
Voluntary Vision Plan
Therapeutic: 100% Covered by Plan
12 Months (Lenses)
24 Months (Frames)
May not receive contact lenses and frames in the same calendar year
EE only: $5.00
EE + Spouse: $9.99
EE + Child(ren): $10.09
EE + Family: $16.11
For more details, important limitations and exclusions, please review the formal plan documents.
Voluntary Vision Plan
- Vision Member Pays (unless noted otherwise): In-Network Benefits
- Exam Copay: (one exam per frequency period) $10 Copay
- Materials Copay $20 Copay
- Eyeglass Lenses Allowances: (one pair per frequency period) 100% Covered by Plan after Copay
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Contact Lenses Allowances: (one pair or single purchase per frequency period)
Elective: Up to $130 Covered by Plan
Therapeutic: 100% Covered by Plan - Frame Retail Allowance (once per frequency period) Up to $130 Covered by Plan
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Frequency Period – Based on calendar year
12 Months (Exam)
12 Months (Lenses)
24 Months (Frames)
May not receive contact lenses and frames in the same calendar year -
Your Monthly Premium Contribution
Monthly Payroll Deductions:
EE only: $5.00
EE + Spouse: $9.99
EE + Child(ren): $10.09
EE + Family: $16.11 -
Note
This summary of benefits is a brief outline of coverage, designed to help you with the selection process.
For more details, important limitations and exclusions, please review the formal plan documents.
Also included in your benefits:
Lifestyle Spending Account (scroll down for more information!)
Dependent Care Spending Account
Career Development Spending Account (scroll down for more information!)
Unlimited VIrtual Mental Health Counseling through Inkblot
Short and Long-Term Disability
Basic Life and AD&D Insurance
Voluntary Life and AD&D
401(k) Retirement Plan with Employer Match
Fertility Spending Account
Adoption Spending Account
Transgender and Non-binary Medical Coverage and Spending Account
Work From Home Top-up for New Leaguers (scroll down for more information!)
Too much lingo? We want to make it easier for you.
Retirement Plan
Contributing to a pre-tax 401(k) account is one of the best ways to set yourself up for retirement success! League’s 401(k) plan is administered through Fidelity.
League offers a matching program of $0.50 to the $1.00 of your contributions up to a maximum of 3%, capped at $4,000 each year. To receive the full contribution, you must contribute at least 6%.
Upon joining League, you will receive an email from Fidelity with instructions for setting up your account. You can update your contributions at any time through the Fidelity portal or choose not to participate. You’re able to contribute pre-tax dollars through your 401(k) and/or post-tax dollars through your Roth.
The IRS contribution limit for 2025 is $23,500. If you turn 50 or older during the calendar year, you can contribute an additional, catch-up contribution of $7,500.
Contribution Details
Contribution Details
- If you contribute: Then you will receive a company match of:
- 0% 0%
- 1% .5%
- 2% 1%
- 3% 1.5%
- 4% 2%
- 5% 2.5%
- 6% & up 3% (capped at $4,000)
Lifestyle Spending Account (LSA)
This account is here to help you live your best life!
CAREER DEVELOPMENT SPENDING ACCOUNT
Supporting your professional development.
TEMPORARY OUT OF COUNTRY WORK POLICY
League Explore.
Work From Home Top-Up for New Leaguers
Work your way.
FAQ
Questions?
We’ve got you covered! Here are the answers to some of our most commonly asked questions:
Do I need to make a selection?
If you’d like to make a change to your plan or select a new plan, you will have the opportunity to do so! In addition, even if you do not want to make any plan option changes, please note that the following benefits do not roll over: Health Care Flexible Spending Account, Limited Purpose Spending Account and Dependent Care Spending Account. You will need to re-enroll in order to keep the same benefits in these instances.
Your open enrollment will begin on Monday, November 4, 2024 and will be open until Friday, November 15, 2024.
When will my HSA and HRA funds be allocated if I select the Flexible HSA or the Balanced HRA plan?
Allocations will be done on a Quarterly basis (prorated based on the quarter of a Leaguers hire date) to align with our cross border experience for our Canadian Leaguers.
What is the triple-tax advantage of the Health Savings Account (HSA)?
If you choose to enroll in the Flexible HSA Medical Plan, you will be qualified for the Health Savings Account (HSA) through Optum Bank. HSAs are a convenient way to save for medical expenses and reduce your taxable income, and League contributes toward your HSA! (see FAQ above for spending account allocation details)
Each year, you can contribute as little or as much as you need to (within the annual limits) and can set up automatic pre-tax contributions directly from your payroll. You will access your HSA just like a normal bank account with a debit card. Your balance rolls over from year to year and follows you since you own the account, so you never need to worry about losing your savings.
Read more about how to make the most of your HSA in this blog from League.
What is the triple tax advantage? The HSA option saves you money in the form of no premium payroll deductions, added employer contributions, and the tax break you can get on qualified health expenses through your HSA. There are three tax advantages that make the HSA attractive:
1.HSA contributions are pre-tax
2.You don’t pay taxes on the account’s growth
3.If you make withdrawals for eligible expenses, you don’t pay tax on those withdrawals
Because HSA contributions don’t count toward your tax burden, you will be taxed as though you make less money. When you contribute toward your HSA, it decreases your adjusted gross income which determines your taxable income.
What is a Lifestyle Spending Account (LSA)?
Lifestyle Spending Accounts (LSA) covers services and products you can access to live a healthier life, such as gym memberships, yoga and meditation, etc. Money spent from this account is a taxable benefit. You’ll only get taxed on the funds you actually use. League is the administrator of your LSA (instead of an insurance carrier) meaning that all claims are submitted directly through your League app.
Allocations will be done on a Quarterly basis (prorated based on the quarter of a Leaguers hire date) to align with our cross border experience for our Canadian Leaguers.
What is a Healthcare Flexible Spending Account (FSA)?
An FSA is a pre-tax account that permits you to contribute money to be used for eligible medical, dental or vision expenses. All of your FSA funds are available to use immediately at the beginning of your plan year. However if you do not use up the funds during your employment, within the current plan year, you may lose them. For this reason, estimate your costs wisely.
There are only two opportunities to change your FSA contributions:
- During your annual open enrollment period, or
- If you experience a Qualifying Life Event (QLE) that relates to your FSA funds
Once you open an FSA, you’ll receive a physical card from Optum. You can use this card to pay for eligible expenses the same way you’d use a debit or credit card. If you pay for an eligible expense out-of-pocket (with your own money), you can submit a claim for reimbursement instead.
Only Leaguers enrolled in the PPO medical plan can contribute to a Healthcare FSA.
What is a Limited Purpose Flexible Spending Account (LPFSA)?
An LPFSA has all the same guidelines as a Healthcare FSA with the following exceptions:
- Funds may only be used for eligible dental or vision care expenses (not medical expenses)
- Only Leaguers enrolled in the HRA medical plan or the HSA medical plan can contribute to an LPFSA
What is a Dependent Care Flexible Spending Account (DCFSA)?
A DCFSA is a pre-tax account that permits you to contribute money to be used for eligible expenses related to caring for your dependents while you’re at work. Expenses can apply to the care of your child(ren) under the age of 13, or a spouse or relative who is physically or mentally incapable of caring for themselves. The most common eligible expenses are Preschool, Summer day camp, Before or after school programs, Babysitting and nanny expenses, Child or adult daycare.
If you do not use up the funds during your employment, within the current plan year, you may lose them. For this reason, be sure to estimate your costs wisely.
Unlike a healthcare FSA, you don’t have access to all the DCFSA funds at the beginning of the plan year. Your DCFSA funds accumulate throughout the year as they’re deducted from your paycheck. Once the funds have been deposited into your account, you can use them for eligible expenses incurred during the plan year.
You can use your DCFSA funds by paying for eligible expenses out-of-pocket (with your own money). You can then submit a claim to your administrator for reimbursement.
Where do I go to find the compliance policies for the new plan design?
Exchange Notice, Health Care Reform and ERISA / NGF Standard Notice Packet, Creditable Coverage Disclosure Notice and other notices are available in our 2024 Compliance Packet, linked here.
You have the right to request and obtain a hard copy of these documents at no charge. Contact the League People & Culture Team at people@league.com to request a paper version or ask any questions regarding these documents.
How much do I pay for these plans and how much is covered by my company?
League covers the full cost of your medical premiums if you select Single coverage in the Flexible HSA Plan. League also covers the full cost of your base dental, short and long term disability and basic life/AD&D insurance premiums irrespective of your medical plan selection.
If you are covering your dependents in any of our medical plans, a portion of the premium is paid for by a Leaguer and that amount varies based on your coverage tier and plan selected. If you would also like to select vision, buy up dental, optional life insurance, critical illness or accident insurance, these options will reflect premium cost that is paid for by Leaguers.
Am I going to receive any documents by mail or is everything electronic?
- Cigna is transitioning to digital ID cards beginning in 2025. Your member ID will remain the same. Members in the HSA plan can expect a small update to the member ID card so be sure to download a new electronic copy.
- If you choose to be covered by the dental plan, Unum will issue you an ID card.
- If you are a new participant in any of our FSA plans, you may receive a new debit cards.
- Rest assured that all of the information that you need will be available on your digital benefits card within League! Head to the Digital Wallet anywhere, anytime and if you still have questions, the Customer Care team knows all about your benefits. Send them a chat!
Why is my salary showing is $1 or $1,000 in the enrollment experience on the Life and/or AD&D pages?
You will not be able to see your true salary through the experience (as we keep that information highly confidential!).
When can I change my plan elections outside of this enrollment time period?
The only time you can change your health insurance coverage is when you experience a Qualifying Life Event like getting married or adding a mini-me to your family!
What is the default plan if I don’t make selections?
If you choose not to make a selection, you will maintain your core current coverage elections with the exception of the medical plan. These will not rollover to 2025 as we need every Leaguer to answer the question about spousal coverage.
Additionally, three are three plans that require an active election for 2025 or they will be waived: Healthcare Flexible Spending Account, Limited Purpose Flexible Spending Account and Dependent Care Flexible Spending Account.
If you are a new hire and you choose not to make a selection, all plans are waived, except for the company paid benefits such as basic life, AD&D, and disability; there is no default Med/Den/Vis plan.
Will there be information sessions?
We will be hosting 2 information sessions during the enrollment period to give you everything you need to know to set you up for success when enrolling in your new benefits! We also offer several Office Hours. Both events are posted in our #LeagueLife calendar. We are here to support you.