Who is Eligible for Benefits?
- Full-Time employee who work an average of at least 30 hours per week.
Covering Your Dependents
You can enroll your eligible dependents for medical, vision and/or dental coverage, as well as for spousal and dependent life insurance.
Your eligible dependents include:
- Legally married spouse
- Verifiable domestic partner (California only)
- Natural child(ren), adopted child(ren) or adopted grandchild(ren), up to
age 26, regardless of student or marital status. - Stepchild(ren) up to age 26, regardless of student or marital status.
- Child(ren) up to age 26, regardless of student or marital status, for whom you are required to provide health care coverage under a Qualified Medical Child Support Order.
- Child(ren) of any age who fulfill the requirements above and are incapable of supporting themselves because of a disability or illness.
You will be required to provide documentation for a newly added dependent. Documentation may also be required when you remove a dependent from your plan.
Reminder – In accordance with the Affordable Care Act, Benefits for dependent children conclude at the end of the month in which they turn age 26.
Dependent Verification Guidelines
- For Spouse: A copy of your state or county-issued marriage certificate.
- For Children: A copy of the child’s birth certificate naming you as the child’s parent, or an appropriate court order/adoption decree naming you as the child’s legal guardian.
- For Step Children: A copy of the child’s birth certificate, naming your spouse as the child’s parent, or an appropriate court order/adoption decree naming your spouse as the child’s legal guardian and a copy of your state or county-issued marriage certificate.
Send all scanned or screenshot documents to:
benefits@rackroom.com
Alternatively, you can mail your documentation to:
Rack Room Shoes Benefits Dept.
8310 Technology Drive, Charlotte, NC 28262
Open Enrollment
Open Enrollment was November 11, 2025 to November 26, 2025.
This is your once-a-year opportunity to pick your plans or make changes to your existing coverage. The choices you make during Open Enrollment will become effective on January 1st of the benefits plan year and will remain in effect through December 31st of that plan year.
When you complete the open enrollment process, you can:
- Change your current coverage, if needed
- Enroll in benefits for the first time, if newly hired or newly eligible for benefits
- Update your dependent information
- Update your beneficiary information
New Dependents - Documentation Requirements
If you’re adding your spouse and/or your dependents during Open Enrollment, you must provide documentation to verify their eligibility by December 1st or your dependent coverage will be dropped by December 15th before the coverage date of January 1, 2026. Please keep a copy of your documentation for your own records.
New Employees
You are eligible for benefits the first of the month following 60 days of employment, if you are a regular full-time employee working 30 or more hours per week.
- You must complete your New Hire enrollment prior to the 1st of the month following 60 days.
Visit our New Hire page for details on the enrollment period, how to enroll, and how to access Medical Legal Notices and Summary of Benefits.
Current Associates
IF YOU DIDN’T ENROLL BY NOVEMBER 25, 2025
- You will automatically be re-enrolled in your current plans and coverage levels at the 2026 rates.
- Contributions to all Flexible Spending Accounts Flexible Spending will default to $0.
- If you wish to participate, the IRS requires you to re-enroll and elect contribution amounts each year.
Things to Consider
Reviewing Your Beneficiaries
Keep your 401k savings plan and life insurance beneficiary designations up to date. To check or change your 401k plan beneficiary, login to your Empower Retirement account to update electronically.
Enrolling While on Medical Leave
If you are on medical leave under the Family and Medical Leave Act (FMLA) and enroll during the 2025 enrollment period, your new benefit elections for medical, dental and vision coverage will go into effect on January 1, 2026, regardless of whether you have returned to work.
Continuation of Benefits
If you become disabled as a result of injury or illness while in active service with the Company, the Company will continue the health and welfare coverage that is in force for you and your eligible dependents for a period of up to one year following the onset of your disability, provided you remain disabled during this period.
An employee on a leave of absence has the responsibility for paying all premiums to keep applicable benefits active. If benefit payments are late, the employee’s health insurance coverage may be dropped for the duration of the leave.
End of Coverage
Your medical coverage will end on your last day of employment with the Company, regardless of whether you are terminated or you resign. Deductions for health coverage will be included on the last paycheck you receive from the Company for time worked.
When an employee is first hired, deductions for medical premiums do not begin until the second paycheck of the month their benefits begin, instead of their first paycheck. Therefore, the Company will recoup the premiums not taken on the first paycheck and deductions for health premiums on the final paycheck.
All Employees
How to Access Medical Legal Notices?
The following Legal Notices are available to all employees:
- The Women’s Health Cancer Rights
- Act of 1998 (WHRCA)
- HIPAA Notice
- Medicare Notice
- Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
- Marketplace Coverage Options Notice
- Newborn & Mother’s Health Protection Act
- Notice of Special Enrollment Rights
2026 Legal Notices
2026 Summary of Benefits and Coverage (SBC)
- Under the Affordable Care Act (ACA), you must receive a Summary of Benefits and Coverage (SBC) document.
- It explains your benefits.
- It also has examples of how much you might pay out-of-pocket for certain health services.
- All SBCs must follow a standard format. This makes it easier to compare health plans and costs.
- All employees can access the SBCs on the Employee Benefits website by January 1st, 2026.
Qualifying Life Event
What is a Qualifying Life Event?
Certain life events provide you a 30-day window to elect or change your benefits and your covered dependents.
If you experience any of the scenarios below, you may be eligible to update your benefit elections mid-year:
- Marriage, divorce, or legal separation
- Birth or adoption of a child
- Commencement or termination of adoption proceedings
- Change in child’s dependent status
- Death of a dependent
- Loss or gain of other health coverage for you and/or dependents
- Change in employment status
- Change in Medicaid/Medicare eligibility for you or a dependent
- Receipt of a Qualified Medical Child Support Order
Remember, dependent verification will be required.
Email or call the Benefits Department
benefits@rackroom.com
(800) 777-4631, ext 2254
to report a Qualifying Life Event.