What does it mean to live well? That’s up to you. Whether you’re looking to improve or maintain your physical health, support your emotional well-being, enhance your financial wellness, or all three, the Live Well at Citi Program is designed to help you achieve the results you want. The resources are free, easy-to-use and available even if you aren’t enrolled in a Citi medical plan.
Already registered? To continue your wellness journey, visit Virgin Pulse through My Total Compensation and Benefits, or sign in online or through the Virgin Pulse app.
New to Virgin Pulse or a spouse of a Citi employee? Sign up for an account online or through the Virgin Pulse app.
Use sponsor name “Citi” when registering on the app.
Make sure you’re getting the most from Virgin Pulse:
Citi believes that good health is important. As part of our commitment to helping you and your family live healthy every day, the Live Well at Citi Program offers a wide range of resources that make it easier and more rewarding to take control of your physical, financial and emotional well-being.
Do you want to lose weight? Manage stress? Quit smoking? Reduce your debt? Get more shut-eye? Or just feel better? Whatever your health goals are, the Live Well at Citi Program has something designed to assist you and reward you for your effort.
Measure Your Progress to Boost Success
Individuals who track their progress toward a specific health goal are more successful than those who don't, according to research published by the American Psychological Association. Tools like fitness trackers and food journals really do work!
Use the online tools and coaching support available through the Live Well at Citi program to make setting and measuring goals easier.
You have three ways to earn rewards — taking a Health Assessment, completing points-based activities or earning action rewards. Earn Live Well Rewards by completing healthy activities between October 1, 2023 and September 30, 2024. Spouses/partners enrolled in a Citi medical plan can also earn Live Well Rewards, too! Learn more about each type of reward below:
Global Community Day: Rewarding in More Ways Than One
Every year during Global Community Day, Citi colleagues come together to give back to the communities where we live and work. This volunteer initiative gives you the opportunity to participate in meaningful service activities, such as packaging meals for families in need, cleaning up and planting flowers in our public parks or helping the elderly. In addition to making a difference in the lives of others, you earn $20 PulseCash. Visit My Total Compensation and Benefits to learn more. (Note: This opportunity is not available to spouses/partners.)
All Citi employees, regardless of whether they are enrolled in a Citi medical plan, and spouses/partners who are enrolled in a Citi medical plan can participate in wellness activities designed to improve their health and accumulate Pulse Points.
When you complete activities each quarter, you’ll accumulate points to unlock four levels of rewards — worth up to $70 each quarter — up to $280 a year (not including action rewards)!
Each quarter, you can earn:
| Level 1 | Level 2 | Level 3 | Level 4 | ||
|---|---|---|---|---|---|
| Pulse Points | 1,000 points | 5,000 points | 12,000 points | 20,000 points | Total Reward for the Quarter: |
| Live Well Reward | $10 | $15 | $20 | $25 | $70 |
Maximum healthy activity rewards per year can be $280 ($70 X 4 quarters)
Example:
Your health goals are unique to you, so we offer a lot of activities designed to support your goals, such as those listed below. Look for “How to Earn” under the Rewards tab in your Virgin Pulse account for a complete list. You’ll be able to see your Live Well Rewards on the Virgin Pulse website or app shortly after you complete your healthy activity. Visit Virgin Pulse through My Total Compensation and Benefits or log in directly.
Health coaching works! Ninety-five percent of Citi employees surveyed said their health status and/or sense of well-being, as well as their confidence in managing their health, improved after working with a Virgin Pulse coach. Through phone coaching, you get free one-on-one support from a professional health coach who can help you stay motivated and progressing toward your health goals. When you participate in phone coaching, you will earn 750 Pulse Points. And, you can earn these points up to four times each quarter!
Journeys ® Digital Coaching
Want to exercise more? Better manage a health issue? You can use our digital coaching tool, Journeys, to make simple changes to your health, one small step at a time. You will earn Pulse Points when you complete a journey step and finish a whole journey.
New! Financial Journeys ®
Digital coaching can support your financial goals as well as your health goals. You’ll earn 1,000 Pulse Points each time you complete a journey designed to boost your financial well-being (up to six financial journeys a year). If your spouse is enrolled in a Citi medical plan, they are eligible to participate and earn Pulse Points, too!
Thrive Physical Therapy (a Program by Sword Health)
Employees, spouses/partners and dependents age 13 and older enrolled in a Citi medical plan with Aetna or Anthem have access to virtual physical therapy through Thrive. Individuals who participate are matched with a professional physical therapist to receive an evaluation and personalized treatment plan that can be followed from the comfort of home. Participating in Thrive offers several opportunities to earn Pulse Points, including after completing the onboarding process and after completing three sessions.
Get a Second Opinion through Included Health
Are you considering a major surgery or facing a complex diagnosis? Seek an expert medical opinion through Included Health for guidance on treatment and earn Pulse Points (one guidance reward per program year). You’ll also earn a reward when you first register with Included Health.
Use My Care Checklist to Stay on Top of Your Preventive Care
Preventive care can help you stay healthy, and My Care Checklist can help you stay on track. Earn Pulse Points when you complete recommended preventive care actions such as receiving a dental cleaning, going to a wellness visit and more.
Take Advantage of Telehealth
Telehealth allows you to speak by phone or video with a board-certified doctor 24/7 for a diagnosis on minor, short-term issues, such as a fever or the flu. If you are enrolled in an Aetna or Anthem medical plan, visit the Teladoc website (Aetna) or LiveHealthOnline website (Anthem) to register for telehealth today. You’ll earn Pulse Points when you register and when you complete a telehealth session (one session reward per program year).
WINFertility offers industry leading fertility management services to help Anthem members receive the highest quality care and personal support along their fertility journey. If you’re enrolled in an Anthem medical plan, you or your Anthem-enrolled spouse/partner can register with WINFertility to earn Pulse Points (first time participants only).
Transform Diabetes Care Program
If you have diabetes, you can take control of your health at home or on the go with easy-to-use technology and expertise from registered nurses and dietitians. If you have not enrolled, but have been invited to participate in the CVS Transform Diabetes Care program, you can enroll to earn Pulse Points (first time diabetes management members only).
Nutrition and Recipes (through Foodsmart)
With the support of a registered dietitian and the easy-to-use Foodsmart app, it’s easier to eat healthier. Simply choose your goal, like reducing sweets or controlling portions. Based on your input, you’ll receive tips to help you achieve your goals. You can also find recipe ideas for meals that are designed to be healthy, build a shopping list and make a weekly meal plan. You’ll earn Pulse Points for things like tracking calories and adding recipes to your grocery list.
Develop lifelong skills for improving your mental and emotional health with RethinkCare’s digital learning programs. You can earn Pulse Points by completing evidence-based courses on mindfulness, resilience, self-awareness and more.
Download the Anthem Engage App
The Anthem Engage app is designed to help you take charge of your health and well-being. For example, you can check what is covered under your medical plan and how much services will cost to help you make more confident health care decisions. If you are enrolled in Citi’s Anthem medical plan and registering your online account for the first time, be sure to register on the Engage app to earn Pulse Points.
Getting healthier and learning something new can be easier with friends. Join a group to stay motivated, chat with others and achieve goals together.
Live Well Chronic Condition Management Programs
The Live Well Chronic Condition Management Program is designed to help you manage a chronic condition, such as heart disease or diabetes. If you are invited to participate, you will work with a nurse from your medical plan and earn Pulse Points. This activity qualifies for points just once per Live Well at Citi Program year, even if you participate in more than one program. You must be enrolled in a Citi Anthem or Aetna medical plan.
Maternity Care Management
Having support during your pregnancy can help provide a healthy start for both you and your baby. If you’re enrolled in an Aetna or Anthem medical plan, complete a risk survey (Aetna) or an initial risk assessment (Anthem) and earn Pulse Points (one reward per pregnancy).
Get rewarded for sharing your feedback! Be on the lookout for surveys that are published on the Virgin Pulse website throughout the year. You’ll earn 50 Pulse Points for participating.
Visit Virgin Pulse through My Total Compensation and Benefits or log in directly for a complete list of healthy activities that you can complete to help you achieve your health goals and earn Pulse Points toward Live Well Rewards.
When can I access my Live Well Rewards?
All rewards you earn between October 1 and December 31, 2023, will be available to you beginning January 8, 2024. You may continue to redeem your earned rewards throughout the year up to September 30, 2024, which is the last day of the Live Well at Citi Program year.
How do I redeem my Pulse Points for gift cards?
Go to the Rewards tab in your Virgin Pulse account to select a gift card.
Important Notes Regarding the Taxability of Your Gift Cards
Live Well Rewards are considered taxable income under the current U.S. Internal Revenue Code and you’ll be taxed when you earn rewards. However, to compensate for the tax, Citi will “gross up” or issue payments approximating any tax you’ll pay. That way, you receive the full gift card amount.
You’ll receive a separate paycheck approximating the tax you will pay on the gift card reward amount, which will be listed as “noncash GU.”
Example: If you earned $100 in Live Well Rewards, Citi will add $25 to your paycheck to cover the estimated 25% federal supplemental tax rate you’ll pay on your gift card earnings. You’ll receive a separate paycheck approximating the tax you will pay on the gift card reward amount, which will be listed as “noncash GU.”
Your Form W-2, Wage and Tax Statement (“Form W-2”) will include the value of the gift card(s) earned and the related tax amount. If your spouse or partner receives a gift card, the value of his/her gift card(s) and the related tax amount will also be reported on your Form W-2.
When are gift cards taxed?
You’ll be taxed when you earn Live Well Rewards, not when you redeem or spend the gift card.
Example: You reach Level 1 in June and earn a $10 Live Well Reward. You redeem it for an Amazon gift card in August. You will be taxed in June.
Can I donate my Pulse Points? If I do, will I receive a receipt?
Yes, you may choose to donate your earned Pulse Points to a charitable cause. Go to the Rewards tab in your Virgin Pulse account to see the nonprofit organizations where your points can be donated. Charitable options for 2024 include the American Heart Association, World Food Program USA, Clean Water Fund and Special Olympics.
If you donate Pulse Points to a charitable organization, you will receive a receipt showing the dollar amount donated. After you make your donation, the receipt will be sent to your preferred email address.
What if I’m leaving Citi and I have earned Live Well Rewards but haven’t redeemed them for gift cards yet?
You must be working at Citi to redeem Live Well Rewards for gift cards, so redeem your Live Well Rewards for gift cards before you terminate employment, if possible.
Do I need to request gift cards in certain amounts?
You can redeem your Live Well Rewards for gift cards at any time in the amounts made available by the merchants and retailers who offer them. Gift card values will vary by merchant and retailer and are subject to minimums. In addition, you may redeem your Rewards in separate gift cards with different merchants and retailers. Visit Virgin Pulse through My Total Compensation and Benefits or log in directly to see the gift card options available to you.
Are there any restrictions on using gift cards?
View the terms and conditions section below your card’s activation instructions to see any gift card restrictions. Generally, gift cards won’t expire and can be used at the selected merchant or retailer either online or in person by anyone in possession of the card, so keep them in a safe place until you use them.
How long will it take to receive my gift cards after I request them?
Gift cards will be delivered electronically. In most cases, the gift card can be used immediately; however, for some retailers, gift cards may take one to two business days to be activated.
Is there any way to redeem my Live Well Rewards for cash?
No, but with the wide selection of gift cards available, we believe you’ll find one that works for you.
What if I discontinue my medical coverage during the year and don’t receive my full Live Well Reward credit for completing the Live Well Health Assessment? Will I receive my balance in a gift card?
No. If you or your enrolled spouse/partner cancels your Citi medical coverage due to a qualified change in status or leaving Citi, you’ll forfeit any remaining Live Well credits earned through the Health Assessment.
In addition, if you and your spouse/partner both participate in the Live Well Program at Citi and you cancel your Citi medical coverage due to a qualified change in status and continue to work for Citi, you can continue to participate in the program as a Citi employee, but your spouse/partner can’t continue to participate.
How do I know when I’ve successfully completed the Live Well Health Assessment to earn Live Well Rewards?
Immediately after completing the last question on the Health Assessment, you will see your health score.
When can I complete activities to earn Live Well Rewards?
The Live Well Rewards Program plan year runs from , through . Earn the maximum Live Well Rewards by earning enough Pulse Points to reach Level 4 each quarter and completing action rewards that are available throughout the year.
What if I still have a Live Well Rewards balance at the start of the Live Well Rewards plan year that begins on October 1? Will my Live Well Rewards carry over into the new plan year?
Yes. Your unused Live Well Rewards balance carries over from one year to the next as long as you are a Citi employee or spouse/partner.
Before you can embark on your journey designed to improve your health, it is important to understand your health status and recognize areas where you can improve. As such, we encourage you to take the Live Well Health Assessment each year to help you achieve this and give you the opportunity to earn discounts on your medical plan paycheck deductions, as well.
Based on your Health Assessment responses, you will be invited to participate in specific Live Well Journeys and/or coaching programs to earn Pulse Points. You may also call Virgin Pulse at and request to participate in these programs.
What if I already completed the Live Well Health Assessment in the past?
Even if you completed the Health Assessment in the past, you must take it again each year between October 1 and November 12, to earn a $100 reduction on your medical plan paycheck deductions (or $100 Live Well Reward if you are not enrolled in Citi medical benefits) for the following plan year.
Can new employees who join Citi or transfer from a Citi international business on or after September 24 take the Live Well Health Assessment and receive the $100 Live Well Reward?
We encourage new employees to take the Health Assessment since it may identify areas where they can improve their health. However, new employees who join Citi or transfer from an international business or assignment on or after September 24 will not be able to earn the $100 Live Well Reward for taking the Health Assessment.
New employees have 31 days to enroll in benefits. After they enroll, their eligibility information is sent electronically to Virgin Pulse to reflect in the records that a new member is eligible for the program. Depending on when within the 31-day period the employee enrolls, there may not be enough time for him or her to access the Health Assessment in order for Virgin Pulse to process the Live Well Reward in time for the following plan year.
Can I take the Live Well Health Assessment after November 12?
Yes. You and your spouse/partner who is enrolled in a Citi medical plan can still take the Health Assessment, though you will not receive the $100 Live Well Reward.
Where can I get more information on the Live Well Health Assessment?
For more information on the Health Assessment, employees can call Virgin Pulse at , visit the Virgin Pulse website, or download the Virgin Pulse app to their Apple or Android smartphone.
Spouses/partners who are enrolled in a Citi medical plan can access the Virgin Pulse website once they’ve registered. The first time that your spouse/partner logs in, he or she will be prompted to create a user ID and password. If your spouse/partner has any issues registering his or her account, call Virgin Pulse for assistance at .
Your Information Is Protected
The Live Well Health Assessment only takes 15 minutes to complete, and the information you enter into your Health Assessment and the data in your personalized report are protected in accordance with the privacy and security rules under the Health Insurance Portability and Accountability Act of 1996, as amended (“HIPAA”). Virgin Pulse adheres to HIPAA privacy and security guidelines that are designed to ensure that no one at Citi has access to your personalized data or results.
At Citi, we are committed to helping you make healthy choices, every day. That is why our office locations across the globe are tobacco-free. To facilitate living well tobacco-free, Citi gives you access to a wealth of tobacco cessation resources through Virgin Pulse, our wellness partner, that have been proven to be effective by the Centers for Disease Control and Prevention (CDC). Learn how to take advantage of the tobacco cessation support available through Virgin Pulse below.
Need Help Quitting Tobacco?
U.S. employees and their family members can get started right away by visiting Virgin Pulse through My Total Compensation and Benefits, logging in directly, or by calling Virgin Pulse at to learn more about the Live Well Tobacco Cessation Program (Monday ‒ Thursday 8 a.m. to 11 p.m., Friday: 8 a.m. to 8 p.m., Saturday: 8 a.m. to 3 p.m. ET).
The Live Well Tobacco Cessation Program is designed to help you overcome the physical, psychological and behavioral addiction to tobacco through online or phone coaching programs and nicotine replacement therapy, all at no cost to you. The program is available to all benefits-eligible Citi employees (even those not enrolled in a Citi medical plan), as well as spouses/partners who are enrolled in a Citi medical plan.
Note: If you are age 18 or over and are enrolled in Citi medical coverage, you may be eligible to receive generic over-the-counter and generic tobacco cessation prescription drugs, or Chantix smoking cessation products at no cost to you to assist you in ending your tobacco use.
Quit Now to Benefit Your Body — and Your Wallet
Know the difference between quitting tobacco today and waiting until tomorrow:
Quit using tobacco with Citi’s help today.
* Applies to all Citi employees and spouses/partners in the United States.
You can go online anytime and participate in the Tobacco-free Journey to help you obtain support, identify triggers and take small steps toward quitting.
Telephonic Coaching and Nicotine Replacement Therapy (NRT)
Work one-on-one by phone with a Virgin Pulse health coach to create a personalized plan that is tailored to your needs. You will be able to identify tobacco-use triggers and coping strategies, set a quit date, discover ways to prevent relapse and more.
Telephonic Coaching and Nicotine Replacement Therapy (NRT)
Remove Your Tobacco Penalty
Once you have completed the Live Well Tobacco Cessation Program through Virgin Pulse, your tobacco penalty will be removed and you will receive a refund on the penalties you already paid this year, if completed by 9/30/24.
Remove Your Tobacco Penalty
Use Puerto Rico’s variety of state resources, including a free “quit line” offering evidenced-based counseling. Learn more. If you’re enrolled in the Citi Triple-S medical plan, you also have access to group counseling (restrictions may apply).
Obtain free, confidential smoking cessation resources through the Employee Family Assistance Program (EFAP). Access the EFAP 24/7 by calling , visiting www.workhealthlife.com or using the mobile app.
If you’re eligible for Group Benefits, you can get smoking cessation resources and tools and coverage for smoking cessation aids from the Manulife Wellness Centre through your medical plan.
What is the tobacco penalty, and will I have to pay it?
You and your enrolled spouse/partner will each pay a $600 annual penalty ($23 per paycheck for 26 paychecks) for your medical coverage if:
You can avoid the tobacco penalty by attesting to being a non-user of tobacco or by completing the Live Well Tobacco Cessation Program by September 30.
If my spouse/partner or I complete the Live Well Tobacco Cessation Program in the middle of the plan year, can I stop paying the tobacco penalty before the next Annual Benefits Enrollment?
Yes. If you or your spouse/partner complete the program, you will stop paying the penalty as soon as administratively possible (within two pay cycles of program completion). Once the program is completed, you will receive a full refund of all penalty payments made during that same plan year, if you complete the program by .
What constitutes “completing” the Live Well Tobacco Cessation Program?
You or your spouse/partner must complete a minimum of four sessions with a tobacco cessation health coach if you are participating in health coaching. If you are participating in an online tobacco Journey, the program will be considered “completed” when you complete your Journey. In order to receive a full refund of all penalty payments made during the plan year, you have until to complete the Live Well Tobacco Cessation Program. Note: While becoming tobacco-free is the goal of these programs, it is not required in order to receive a full refund of your tobacco penalty payments.
Which tobacco cessation Journey can I participate in to complete the Live Well Tobacco Cessation Program?
You or your spouse/partner can choose from any of the following Journeys to complete the Live Well Tobacco Cessation Program:
Do I need to notify the Citi Benefits Center when I complete the Live Well Tobacco Cessation Program?
No. Once you complete the Live Well Tobacco Cessation Program, the Citi Benefits Center will receive confirmation from Virgin Pulse and will stop your penalty payments as soon as administratively possible, if it is completed by .
In completing the Tobacco Free Attestation, how do I know if I can consider myself “tobacco-free”?
You are considered tobacco-free if you have not used tobacco (cigarettes, cigars, pipes) or any tobacco products in the past six months. Tobacco products include e-cigarettes and smokeless tobacco, such as chewing tobacco and snuff. As such, you would be considered tobacco-free unless you have used any tobacco products within the past six months.
Why is Citi forcing employees and their spouses/partners to quit using tobacco products?
Citi is not forcing employees to stop using tobacco products. However, we take tobacco use and its harmful effects seriously, and tobacco use is a major driver of Citi’s increasing health care costs. This is the reason why our office locations across the globe are tobacco free. The Centers for Disease Control and Prevention estimates that an employee who smokes costs 18% more than a nonsmoker. We must work together to control our health care costs and encourage good health.
If employees are not enrolled in a Citi medical plan, are they eligible for the Live Well Tobacco Cessation Program?
Yes. The free Live Well Tobacco Cessation Program is open to all benefits-eligible Citi employees, even if they are not enrolled in a Citi medical plan.
I am not enrolled in a Citi medical plan. Am I subject to the tobacco penalty?
No. Only employees and their spouses/partners who are enrolled in a Citi medical plan are subject to the penalty.
If I quit using tobacco products on my own instead of through the Live Well Tobacco Cessation Program, can I stop paying the penalty mid-year and have all my penalty payments refunded?
Yes. You must complete an affidavit that says you quit using tobacco products on your own and send it to the Citi Benefits Center. You’ll receive a full refund of all penalty payments in the current year once your affidavit is completed, if it is received by .
I do not use tobacco products, but I did not complete the Tobacco Free Attestation when I enrolled in my benefits, and I am now paying the tobacco penalty. How can I stop paying the penalty?
Any employee who did not complete the Tobacco Free Attestation when he or she enrolled in benefits during Annual Benefits Enrollment and who is enrolled in a Citi medical plan will begin paying the tobacco penalty as of or as soon as administratively possible after he or she enrolls in benefits without completing the tobacco-free attestation. In order to stop paying the penalty, you must call the Citi Benefits Center via ConnectOne at . From the ConnectOne “benefits” menu, choose the “health and insurance benefits as well as TRIP and spending accounts” option. You can speak with a representative to discuss discontinuing the tobacco penalty from 8 a.m. to 8 p.m. ET, Monday through Friday, excluding holidays.
How will I know if I am paying the tobacco penalty? What will it look like on my pay statement?
Your pay statement will not show the breakdown of your Live Well Rewards and/or penalties. It will show only the final cost of your medical coverage for a given pay period after any additions or subtractions. You can view these details and find out whether you are paying the tobacco penalty by visiting Your Benefits Resources™ (YBR ™ ), available through My Total Compensation and Benefits:
In addition, your confirmation of benefits enrollment (which will be mailed to your address on record after the Annual Benefits Enrollment period) will indicate if you are paying the tobacco penalty.
