As the year wraps up, here are some important action items to complete before the calendar turns to 2026!
1. Refill Your Prescriptions by December 31
Stock up on medications now to maximize your current plan’s value and ensure you have what you need. Rockwell is transitioning from CVS Caremark to Optum Rx for 2026 prescription coverage—this change should be seamless for you and your family.
2. Prepare for 2026 Retirement Plan Changes
Starting in 2026, the Rockwell Retirement Savings Plan (401(k)) will implement two SECURE 2.0 Act provisions. If you’re turning 50+ in 2026 and earned over $150,000 in 2025 FICA wages, catch-up contributions must be Roth. Employees ages 60–63 can contribute up to $11,250 in super catch-up contributions. Watch for communications from Fidelity if you’re impacted.
3. Book Health Care Appointments Before Year-End
Take advantage of remaining benefits for checkups, screenings, and preventive care before year-end. Many plans cover preventive exams at 100% with no cost to you, and if you’ve met your deductible, you’ll pay less for additional care.
4. Spend Down Your FSA Balances
Spend your Dependent Care FSA funds by December 31, 2025—unused amounts don’t roll over. For Health Care FSA and Limited Purpose FSA, any balance over $660 is forfeited at year-end. You have until March 31, 2026, to submit claims for eligible 2025 expenses. Check your balance at Your Benefits™. If your remaining balance is $660 or less for the HCFSA, it can be carried into 2026 only if you enroll in an FSA for 2026.
5. Access Your 2026 Medical, Prescription Drug, and Dental ID Cards
If you enrolled in a new medical or dental plan, physical cards will arrive in December. Note: If you’re enrolled in UnitedHealthcare, you’ll receive one card for both medical and prescription coverage. If you’re enrolled in Centivo, you’ll receive separate cards for medical and prescriptions.
6. Expect Your New HSA/FSA Debit Cards
First-time Broad Access HSA enrollees will receive HSA information and debit cards from HealthEquity in December. First-time FSA enrollees will receive information and debit cards from Alight Smart-Choice in December.
7. Confirm Your Dependent Information
If you enrolled new dependents for 2026, prepare to provide proof of eligibility (marriage certificates, birth certificates, etc.). Double-check all dependents’ names, Social Security numbers, and dates of birth.
8. Complete OnTrack for Premium Credits
Complete your OnTrack requirements by December 31 to earn credits for your 2026 medical premiums. View program requirements in the 2026 Benefits Guide (page 39).
9. Take Time Off to Recharge
If you have accrued vacation, take time off to relax and recharge before year-end. Your vacation days depend on your tenure at Rockwell—check Epoch or page 36 of the 2026 Benefits Guide for your eligibility.
This newsletter is for informational purposes only. Always consult healthcare providers for personalized medical advice.
