Benefits coverage will end on your last day worked. Here are your options for benefits you can choose to extend.

Continue Medical, Dental and Vision coverage with COBRA

You will generally receive COBRA paperwork in the mail within 14 days of the end of your A-B health coverage from Inspira Financial (formerly, PayFlex Systems).

In most cases, if you're eligible for COBRA and want to enroll before you receive your letter from Inspira Financial in the mail, you can create an account here. Your member ID will be the last four digits of your SSN.

If you elect and pay for COBRA coverage within the required timeframe, your medical, dental, and/or vision coverage will be reinstated retroactive to the last day of coverage under the A-B Plan.

Inspira Financial administers COBRA. If you need to contact Inspira Financial, please call (866)-353-9283.

Want to enroll in COBRA before the letter comes?

Create an Account

HSA Balance and Access to FSAs with HealthEquity

HSAs are administered by HealthEquity.

Before your employment with A-B ends, change your HealthEquity Communication Preferences to Mail or your personal email. You can keep using your debit card until it expires if you keep your HSA with HealthEquity. All funds in your HSA are yours to keep!

The last day to incur eligible expenses for the Health Care FSA is your last day worked.

Dependent Care FSA expenses can be incurred through the end of the current year. All claims need to be filed by March 31 of the following year. If COBRA is applicable to your Health Care FSA, you will be notified by Inspira Financial.

If you have questions, contact HealthEquity at 1-866-346-5800,

You Should Be Contacted Directly by Vendors About These Benefits


A-B 401(k) with Vanguard*


Pension Benefits Administrator

If Applicable

Voya Permanent Whole Life, Accident Insurance, Critical Illness and Hospital Indemnity


*Your 401(k) contributions are yours to keep when you leave A-B, whether you have vested in the company match or not.


If you have questions or need a letter stating when your coverage from A-B ended, please reach out to the HR Service Center at (800) 952-7522.

More Resources

Retirement steps

Key Contacts