Have questions? We have answers.


  1. When do my 2020 benefits elections take effect?

    The elections you made during the 2020 Open Enrollment period take effect January 1, 2020.

  2. What if I didn’t enroll during the Open Enrollment period November 4th – 15th?

    If you did not enroll by the November 15, 2019 deadline, your current elections will rollover to 2020. Otherwise, you will have to wait until next fall’s Open Enrollment period to join our benefits program unless you have a qualified change in status. See the Benefits Guide for more information.

  3. As a new hire, how long do I have to enroll in benefits?

    If you are a new hire, you must complete the new hire benefits enrollment with 31 days of hire, including your date of hire. The benefits you elect will be effective on the 1st of the month following your hire date. If you are hired on the first of the month, then coverage your be effective on your date of hire provided you enroll in benefits within the 31-day window.

These frequently asked questions (FAQs) provide only an overview of benefit changes and clarifications effective January 1, 2020. The respective plan documents and policies govern your rights. You should rely on this information only as a general summary of some of the features of the plans and policies. In the event of any difference between the information contained herein and the plan documents and policies, the plan documents and polices will supersede and control over these FAQs. The Partnership expressly reserves the right at any time and for any reason to amend, modify or terminate one or more of the plans or policies described in these FAQs.

NEED HELP? Need help icon

Retail Benefits Helpline
7:00 a.m. - 6:00 p.m. Central time,
or email bac.retailbenefits@ajg.com


2020 Benefits Open Enrollment is closed.

If you are a new hire or newly eligible for benefits and are ready to enroll, start here.

If you have questions about your benefit elections, please contact the Retail Benefits Helpline at 1-855-327-5910, or email bac.retailbenefits@ajg.com.