Be prepared for an unplanned expense

Life is full of unknowns, and having an emergency fund can help keep you secure. Make saving automatic by setting up separate payroll direct deposits to your checking and saving accounts. To access your personal information, go to Grid:home and scroll down to My apps and select MyHub HR Processes link (if you do not see the MyHub link, click on "choose apps" to add MyHub to your apps list). From your MyHub Home page, select My Profile within the MyInfo section. From your Info page, select “Personal Information" from the banner. If you do not have access to MyHub, contact Employee Services at 888-483-2123 for assistance.

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Get more support for you and your family

If you'd like some support with personal and work/life concerns, the free Employee Assistance Program (EAP) is here to help you. The EAP, provided by Corporate Counseling Associates, is a confidential resource that offers online seminars, help finding providers, ways to manage your finances, assistance with alcohol and substance abuse and makes referrals to professionals like counselors or financial planners.

Access free, confidential counseling or assistance by phone at 1-800-833-8707 or online (Company Code: National Grid).

National Grid has several Employee Resource Groups that help maintain an inclusive workforce. The ERGs allow you to connect with other employees who have a similar background and interests as you. They can be a good resource if you need some help. To find out more about the ERGs, go to Grid:home.

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Get exclusive company discounts

Stretch your paycheck with exclusive discounts with the electric car program and employee vehicle purchase program.

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Simplify your family’s health care

From translating confusing medical bills to researching health care options and costs, TrueCare 360 (for BCBS members only) is available to help you navigate the complex health care system and save money. TrueCare 360 can assist with resolving billing issues, finding providers, scheduling appointments and more. It’s a free service available to you and your family members (including your parents).

 

Call 1-800-287-8757, Monday through Friday, 8:00 a.m. to 9:00 p.m. ET.

 

Prep for college and stay on top of your student loan debt (For Management Only)

To best support your child’s educational future, start saving for college now. Use the resources available through Bright Horizon’s College Coach, a part of the Bright Horizons Care Advantage Program®, to estimate your total costs, determine how much you need to save, and form a plan to get there.

Are you still feeling the burden of student loan debt? There are repayment options available to you through the Student Loan Repayment Program. Through this valuable program administered by Tuition.io, the company will make payments toward the principal portion of your loans.

Take advantage of the Consumer Driven Health Plan (CDHP) with a Health Savings Account (HSA)

The CDHP has a higher deductible, but it costs less from your paycheck and is the only plan that pairs with a personal tax-free Health Savings Account (HSA). An HSA not only saves you money on eligible health care expenses, but it has triple-tax advantages: Your contributions go into your account tax-free, can be withdrawn tax-free and earn interest tax-free. What’s more, National Grid makes contributions to your account to help you grow your balance. If you are enrolled in the CDHP with HSA, you can save money on eligible dental and vision expenses by enrollling in and contributing to the Limited Purpose FSA (LPFSA).

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Plan for your health care and child care costs — and save money!

With kids around, there’s bound to be a trip or two ― or more ― to the doctor. A Health Savings Account (HSA) or Flexible Spending Account (FSA) (depending on your health plan) helps you plan ahead for health care expenses and save money by using before-tax dollars.

In addition, you can reduce your child care or elder care costs by contributing to a Dependent Care Reimbursement Account (DCRA) with before-tax dollars. You can pay for eligible dependent care needed so you (and your spouse, if you’re married) can work, look for work, or attend school full-time. For Management employees, if you contribute to a Dependent Care Reimbursement Account (DCRA), you’ll receive a company contribution equal to 10% (to a maximum of $500) of your DCRA contribution amount to help you cover eligible expenses.

You can enroll in these benefits during open enrollment in the fall or if you have a life event (such as the birth of a child) that would allow you to enroll.

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Make a back-up plan (For Management Only)

You have access to back-up child and elder care services at a discounted price through the Bright Horizons Care Advantage Program®. Register today so you have a plan in place if your sitter is sick or your day care center is closed.

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Get assistance with an adoption (For Management, Local 101, Local 3, Local 97, Local 12003, 12012-04 and 13507)

If you’re adopting a child, National Grid provides you with reimbursement for certain adoption expenses and supportive resources to help you every step of the way.

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Shop car, home or pet insurance

Protect your car — and save money — with discounted coverage through the group auto insurance program. You can call 1-855-861-4282 for renter’s and homeowner’s insurance.

For Management employees, click here.

Your pet’s health is also important to you, but the cost of helping him or her if something goes wrong is hard to think about. Consider pet insurance, which provides coverage for veterinary care. (For Management Only)

Secure your family’s finances

An accident, disability or death could present a significant financial hardship for your family. Consider adding more protection with a voluntary medical plan that pays cash benefits directly to you if you experience an accidental injury, certain critical illness or certain inpatient or outpatient hospital treatments. Separate plans are available for hospital stays, accidents, and critical illness. You have the opportunity to enroll during our benefits open enrollment.

In addition, all employees receive company-paid basic life coverage and most receive basic AD&D, which provide valuable protection. But you may want to expand this coverage with optional life and AD&D insurance so your family will have the protection they need if the unexpected happens.

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Plan for retirement with help from Vanguard

You have a lot of competing priorities for every dollar. But saving for retirement is important. That’s why we offer a company match through the 401(k) plan based on pre-tax and post-tax contributions to help you get the most from your investment. Make sure you’re taking advantage of the match…otherwise you’re turning down free money!

When you log into your account on the Vanguard website, you will see links to “My Financial Wellness” and “Help Center” pages which offer a comprehensive collection of resources, tools, and calculators to help you balance your retirement saving priorities whether you are looking to get started, want to stay on track or are looking to invest your retirement account funds.

The website also has a retirement modeler that allows you to project your retirement savings as well as estimate your expenses in retirement to ensure your financial future is on the right track.

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It's never too early to get started on a will (For Management, Local 101, Local 1049, Local 3, Local 318, 350/369, Local 13507, Local 12003, 12012-04)

A carefully prepared and up-to-date will is an important way to ensure your loved ones will benefit from your assets in the way you intend. If you’re enrolled in MetLife Legal Plans, you’ve got coverage for the cost of a variety of common legal services, such as will preparation. If you’re not enrolled, think about legal services you might need and see if the plan is right for you.

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