Thank you for being a part of our team. Your health and wellbeing are important to us. We are proud to offer comprehensive benefits for you and your family members that demonstrate our commitment to your overall wellness and satisfaction.

1] 2025 Camunda Inc. Benefits

Camunda offers the following benefits:

All information of 2025 benefits, costs, plan summaries, and wellness resources can be found in the Open Enrollment guide in your Sequoia People Platform. A summary of how plans changed from 2024-2025 can be found here. All benefit elections are made through the Sequoia Benefits Portal. 

Payroll is administered semi-monthly on the 15th/last day of the month. Payroll elections can be done via Gusto.

For any benefits-related questions or issues, please contact Sequoia support through the Sequoia People Platform or via email. They are your first point of contact for any queries, with a dedicated team ready to assist you. Using this support channel ensures we maintain the highest levels of privacy.

The people team is also here to support you and ensure you have the best experience. For further assistance, escalate your concerns to the Camunda People team via #ask-people-team and tag Wesley Hattingh or Emily Cady for action. 

401(k) Employee Retirement Plan

Camunda Inc employees are eligible to participate in the 401(k) retirement plan. Camunda matches 100% of employee contributions up to the first 6% of pay and offers both Traditional and Roth 401(k) plan types. This match has no vesting period, and contributions are made per pay period.

Employees become eligible to participate on their date of hire. All employees are auto-enrolled into the plan at a deferral rate of 2% of total compensation for the traditional 401(k) plan. Employees may choose to opt out of the auto-enrollment to receive a refund within 90 days.

Employees will receive an automated email with instructions for enrolling or declining.

Our plan is managed by Guideline: https://www.guideline.com

If an employee leaves Camunda and has a balance of between $50.01 and $5,000 they will be automatically rolled over to a Guideline IRA. 

Our Benefits Wrap Plan:

This ERISA-compliant document combines all our health and welfare benefits into one plan overview, ensuring you have a comprehensive understanding of your coverage

• ERISA-compliant wrap

ID Cards

• All ID cards can be located in the Sequoia People Platform or via the mobile app.
• You can also access your digital ID health card via the Anthem member portal. 
  • Physical ID cards will be mailed if requested. This request can be placed in your Anthem member portal.
• For those benefits that do not provide ID cards, your provider will be able to look up your coverage via your SSN
  

Ensure Rx

What is Ensure Rx?

Ensure Rx is available through Anthem to help you find discounts on prescriptions and compare generic vs. name brand to find the lowest cost option. This perk is included as part of your Anthem Health benefits. 

EnsureRx Member Flyer.PDF

Anthem Travel Health Benefit

Anthem offering a travel health benefit to cover specific services such as Abortion & Gender Affirmation services. Please review the plan documents and reach out to your provider, Anthem & the Sequoia Advocate Team prior to accessing care for these services. Any service under Anthem's travel health benefit are subject to authorization and pre-approval through Anthem prior to accessing & receiving care. 

Additional details regarding this benefit will be released in March, 2025. If you need to access this type of care prior to the release of this information, then please reach out to the Sequoia Advocate team for support. 

2] Qualifying Life Events 

Qualifying Life Events need to be submitted into the Sequoia Benefits Portal within 30 days of the event.

The list of Qualifying Life Events can be found below.

• Loss of other Coverage
• Turning 26 and losing coverage through a parent’s plan
• Marriage
• Divorce
• Birth or Adoption of a Child
• Death in the Family

Additional information on Qualifying Life Events can be found here, and an informational video, here.

Submitting a Qualifying Life Event in Sequoia

1. Log into Sequoia Benefits Portal 
2. Navigate to the left hand side bar and expand the "Life Events" section in orange
3. Select the Appropriate life event
4. If applicable select the blue plus icon to add a dependent, providing the relevant details before selecting continue
5. Once submitted, the People Ops team will be notified, and your benefits will be approved and updated in Gusto based on the effective date of your event. 
   1. If the effective date is backdated, you will see additional deductions taken from your next pay cycle based on the contribution changes in your event.

For a video tutorial of the above process, have a look here- Submitting a qualifying life event via the Sequoia Benefits Portal [Link to video]

Child Dependents Aging Out of Healthcare Coverage

Key Points:

• Coverage ends: Last day of the month your child turns 26
• Action required: File a Qualifying Life Event (QLE) in Sequoia Benefits Portal
  • This can only be done on the day they are no longer eligible
• Deadline: Within 30 days of child's 26th birthday
• Consequence: Missing the deadline may forfeit COBRA eligibility

Action Steps:

1. File QLE
   • Where: Sequoia Benefits Portal (zcamunda.bswift.com)
   • What: Report child aging out of coverage
2. COBRA Process
   • Camunda approves QLE and initiates COBRA
   • Child receives COBRA packet – review immediately as there are limitations for when COBRA remains active

   • For your Dependents, COBRA continuation coverage is available for up to 36 months from the date of the QLE

Need Help?

• Contact: Sequoia advocate team via the Sequoia People Platform or camunda@help.sequoia.com, or ask in #ask-people-team in slack. 

3] Adding Beneficiaries

Your Life/AD&D plans require you to add a beneficiary in the event of your disability or death. Adding a beneficiary ensures your family/estate are well protected in the event of any incident.

1. Once signed into the Sequoia Benefits Portal. navigate to My Profile > Beneficiaries (screenshot)

   1. Or navigate to your Life/AD&D benefit and select "Manage Beneficiaries"

   2. You will then be presented with a window in which you can select from your current dependents or upload a new beneficiary

2. Make your selection and click "Add Selected"

3. Note: Camundi who were employed at the time of our transition from Lumity to Sequoia (1 July 2024) are required to re-add their beneficiaries, as this data cannot be reliably transferred over from our prior benefits administration platform (flock)

4] Updating Health Account Contributions

HSA

• HSA contributions can be updated at any point throughout the year. To update your contributions, please follow the steps below.
• Navigate to the Sequoia Benefits Portal via Okta. 
• Select "Change HSA Amount" → "Health Accounts" → enter your updated contribution.
• Any HSA contribution changes will be effective in the following pay cycle.

FSA

• FSA contributions can only be updated during Open Enrollment or if you experience a Qualifying Life Event.

Dependent Care FSA

• Dependent Care FSA contributions can only be updated during Open Enrollment or if you experience a Qualifying Life Event.

5] Medicare- Creditable Coverage 

Notification for Medicare eligible policyholders that our prescription drug coverage is “creditable coverage”.

• 2025 Model Creditable Coverage Disclosure Notice
• 2024 Model Creditable Coverage Disclosure Notice

What is Creditable Coverage?

Creditable means that our employer medical plan coverage is expected to pay on average as much as the standard Medicare prescription drug coverage.

We have confirmed that our medical plans are creditable.

6] Sequoia & Your Digital Platforms

Benefits Management is maintained via Sequoia with the goal of enabling the best possible experience in benefits selection and support. 

Benefits Administration Platform

All US Camundi can Log into the two core Sequoia platforms: 

How do I log in? 

Accessing the Sequoia People & Benefits Platforms

🎥Watch this short zoom clip for details! - here (This clip is accessible to all active Camundi with a Camunda email address)

Please allow for two days after your start date for your information to fully sync with the Sequoia portals. Your information is loaded in the Sequoia Benefits Portal on day 1, and then syncs to Okta on day 2. 

What is each platform for? 

1. Sequoia Benefits Portal

   1. Access via Okta tile 

   2. Use for: Enrolments and Qualifying Life Events (QLEs)

   3. Registration: The temporary password to register for the benefits portal is the last 4 digits of your SSN. 
   4. Overview of the Sequoia Benefits Portal: [Link to video]

2. Sequoia People Platform

   1. Access via Okta tile

   2. Use for: Day-to-day benefits info, ID cards, support, and more

   3. Sequoia People Platform Introduction: [Link to video]

Sequoia Mobile App 

Access your medical, dental & vision ID cards and high-level plan details - anywhere, anytime. A health insurance advocate is only one-click away (for benefit questions and claims assistance).

Sequoia digital ID cards become available on your plan effective date or shortly after the insurance carriers process your benefit elections (for New Hires / Qualifying Life Events).

Getting Started with the Sequoia mobile App:

1. You can get the latest version from the Apple App Store or Google Play.

2. Registration: If you haven’t signed up, use your work email, and create a password with at least 8 characters. Passwords must contain a lowercase letter, uppercase letter, a number, and no parts of your email
3. Access Benefit Resources: Explore the app to view detailed benefit information, access your ID cards, and discover additional resources.
4. Add Dependents:
   1. Invite dependents to join the mobile app.
   2. If any dependents aren't listed, add them manually by selecting your profile icon > invite dependents.

Additional information on Sequoia's mobile app can be found here. 

Sequoia Support

Your benefits advocate is available to support with:

• ID cards
• Selecting a health plan that best meets your needs
• Requesting “Continuity of Care” (when switching medical carriers, certain situations qualify for a transitional period where the new health plan would treat medical bills as if you received in-network care)
• Navigating “Prior Authorizations” (medical & prescriptions)
• Understanding spending accounts such as HSA and FSAs
• Finding in-network doctors/providers
• Getting answers to pharmacy coverage questions
• Expediting carrier enrollment for urgent situations
• Navigating insurance claims issues/denials
• Addressing domestic partner benefit questions
• Submitting a qualifying life event (new baby, marriage, divorce, etc.)
• Resetting passwords (for systems we have access to)
• Learning how to enroll in COBRA
• And more...

How to Contact your Sequoia support advocate:

There are 3 main ways to reach Sequoia Support, in order of data security and speed of response:

1. Via the Sequoia Mobile App or the Sequoia People Platform (access via Okta)
   1. click on your profile picture in the top right
   2. navigate to "My Advocate" 
   3. Open a case to receive support
2. Email camunda@help.sequoia.com
3. Telephone:
   1. Available Monday to Friday, 8:30-5:00PST
   2. (844)-891-3044

Upcoming Sessions and Recordings

7] Additional Resources 

Summary Annual Report (SAR) Distribution

The Summary Annual Report (SAR) for our employee benefit plans is distributed annually to all plan participants. You can find the most recent SAR for the 2023 plan year, here. Please review it for important information about our benefit plans.

HIPAA Compliance at Camunda

Camunda is committed to protecting the privacy and security of protected health information (PHI) in accordance with HIPAA regulations. As a business associate, we have implemented comprehensive safeguards and procedures, including:

• Strict access controls and security measures for PHI
• Regular employee training on HIPAA compliance
• Incident response and breach notification processes
• Ongoing risk assessments and security audits

Employees handling PHI receive additional specialized annual training.

For more information on Camund's HIPAA compliance efforts, please refer to our full HIPAA Compliance Overview.

8] Exit Process

Medical/Dental/Vision

If you are enrolled in medical, dental, and/or vision coverage, your coverage will expire on the last day of your month of separation. For example, if your last day of employment is January 1st, your benefits would be active through January 31st.

You will be eligible to continue your current coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA) for up to 18 months as outlined below.

COBRA

Approximately ten days after your separation date you will receive a COBRA notification and election form from WageWorks, our COBRA administrator. If you do not receive information, please contact Emily Cady and Wesley Hattingh. 

IF YOU WANT TO CONTINUE YOUR CURRENT COVERAGE, YOU MUST ACTIVELY ELECT COBRA. ENROLLMENT IS NOT AN AUTOMATED PROCESS! 

You must complete and submit the enrollment documents within 60 days of your separation date or the date of the COBRA notice, whichever is later to continue group health, dental and/or vision coverage pursuant to COBRA. 

Once you have enrolled and paid the first month’s premiums, your coverage will be reinstated retroactively to the day following your separation date or the date of loss of coverage so there's no gap in coverage.

Once your coverage is reinstated, claims incurred after your separation date should be submitted to your carrier for processing.

Voluntary & Basic Life Continuation

To continue your life insurance coverage through Guardian, please complete this document and send it to nationalconversions@glic.com for processing. 

Additional information on rates, enrollment tiers, and eligibility can be found here. 

Spending Accounts

Health Savings Account (HSA)

1. If you are enrolled in a Health Savings Account (HSA) your account will remain active beyond your separation date.

2. Employer and employee contributions will end effective your last paycheck, but you will continue to be able to utilize your funds for eligible expenses. Funds in the account never expire.

3. Health Equity will reach out to inform you of their monthly fees for administering the account after your separation date.

4. You may choose to rollover your HSA funds into a new employer account. Health Equity can assist with that directly. 

Flexible Spending Account (FSA)

1. If you are enrolled in a Flexible Spending Account (FSA), you have ninety (90) days from your date of separation in which to file a claim. All claims submitted must be for services and expenses incurred on or before your separation date.

2. Unused Funds:

   1. Any funds remaining in your account for which no eligible claims have been submitted within ninety (90) days of your separation will be forfeited. 

   2. For any unused funds, you have the option to extend your FSA beyond your date of separation through COBRA.

3. You may file a claim with Health Equity through your online account (www.myhealthequity.com) or through their mobile app. 

Dependent Care Savings Account (DCFSA)

1. If you are enrolled in a Dependent Care Savings Account you have ninety (90) days from your date of separation in which to file a claim. All claims submitted must be for services and expenses incurred on or before your separation date.

2. Any funds remaining in your account for which no eligible claims have been submitted within ninety (90) days of your separation will be forfeited. 

3. You may file a claim with Health Equity through your online account (www.myhealthequity.com) or through their mobile app. 

Carrier Contact Information

Monthly COBRA Costs

The below costs do not include any administrative fees for managing the plans. In general, Health Equity charges a 2% fee in addition to the rates listed below.