2027 ENROLLMENT
How to enroll
Once you review your benefit options, it’s easy to enroll on Workday.
Enroll on Workday by November 18
After Open Enrollment ends, you can make changes only if you experience a qualifying life event such as birth/adoption, death of a dependent, marriage, divorce or gain or loss of other coverage. Otherwise, you'll need to wait until the next Open Enrollment period.
- Review your Open Enrollment materials and listen to the Workshops and Town Halls so you understand your options and are empowered to choose the coverage that best fits your needs and budget
- Decide who will be covered by your benefits. You may add eligible dependents during Open Enrollment
- Enroll on Workday by 11:59pm ET on November 18. If you don’t:
- You won’t have M&T Bank medical coverage in 2027
- You won’t be able to contribute to an MRA, LPFSA or DCRA in 2027
- You won’t have PTO Buy in 2027
- Your current elections for dental, vision, life insurance and LTD will roll over and you will pay 2027 rates
- Confirm your elections. Print and review your confirmation from Workday and immediately report any errors to the HR Service Center.
Note: You must click "Confirm and Continue" at the bottom of the screen to enroll/waive a dependent's coverage on the following screen. Go to Workday
Understand medical coverage surcharges
The following surcharges may affect your medical coverage costs in 2027.
- Tobacco surcharge. If you or a covered dependent have used tobacco within the past 90 days, a $20 per-person, per-pay-period surcharge will apply, up to a maximum of $60 per pay period for family coverage. This surcharge is in addition to your regular medical payroll contributions. Tobacco use includes cigarettes, cigars, pipes, chewing tobacco, e-cigarettes, e-vaporizers, and other nicotine-delivery devices, regardless of frequency
- NEW! Working spouse or domestic partner surcharge. A $50 per-pay-period surcharge will apply if you cover a spouse or domestic partner who has access to medical coverage through their employer