Leaving T-Mobile
When you're leaving T-Mobile there is a lot to consider about your current T-Mobile benefits and what to do next. See below for frequently asked questions about your different benefits, what to expect once you are separated, and what options you may have to continue some of these benefits into the future.
Asset Return Information
- Please work with your manager directly to return all company equipment, including test devices or monitors, either in person or through the mail.
- Your manager will need to open a compass ticket to obtain shipping labels if necessary.
What is the status of my benefits? Through what date will benefits continue?
If you are currently enrolled in T-Mobile healthcare benefits, your participation in healthcare benefits (medical, prescription drug, dental, vision) will cease on the last day of the month in which you are employed by T-Mobile. For example, if your separation date is 3/6 your benefits will cease on 3/31.
All other benefits, including but not limited to Life Insurance (Basic, Voluntary, Business Travel and Accident, and Accidental Death and Dismemberment), Short Term Disability, Long Term Disability, Flexible Spending Account Reimbursement for Health Care and Dependent Care, will cease on your separation date – not the last day of the month in which your separation from employment occurs.
Is there any way for me to continue my T-Mobile healthcare benefits after my separation date?
Yes. Under COBRA law you and your enrolled family members can stay on T-Mobile's benefits for up to 18 months after your separation date. However, T-Mobile will no longer subsidize the cost so you'll be paying the full monthly cost of your coverage plus a 2% administrative fee.
What is COBRA?
COBRA stands for "Consolidated Omnibus Budget Reconciliation Act." This federal law provides you and covered family members with the opportunity to continue your healthcare benefits for a period of time after you leave the company. Documents mailed to your home following your separation will give you the details and costs of this program.
If you elect to continue your T-Mobile healthcare benefits as allowed under COBRA you will receive a monthly bill for the cost of your coverage. Failure to stay up-to-date on payments will result in your coverage being cancelled.
Make sure your correct home address is on file with us before leaving the company. You may update your home address in Workday or by emailing myhr@t-mobile.com. Please allow up to three weeks from your date of separation for your COBRA packet to arrive.
What is the current cost to continue medical, prescription drug, dental and vision benefits through COBRA after the T-Mobile funded COBRA?
Rates are provided in the COBRA information packet that will be mailed to your home after your separation date. You can also view the COBRA rates here.
Can I continue only one type of benefit (medical, dental and/or vision) under COBRA of do I have to enroll in all of it?
Yes. You can elect to continue medical, dental and vision independently since they are not bundled. Please contact the T-Mobile Benefits Center at (855) TMO-BENS or (855) 866-2367 to make changes to your elections.
How long can I continue COBRA coverage?
COBRA allows for benefits to continue for up to 18 months. However, this period can be shortened for several different reasons. For example, COBRA coverage would end if you do not pay the required premiums after the T-Mobile paid coverage, or you become eligible for other group health coverage. Your COBRA information package will provide further details.
Should I enroll in COBRA if I am Medicare eligible?
If you sign up for COBRA and you are eligible for Medicare at the same time, your COBRA benefits are intended to be paid after Medicare pays, even if you haven't yet enrolled in Medicare coverage. And if you delay enrolling in Medicare after your active employer coverage ends (last day of coverage through your separation date before COBRA begins), you could be subject to premium penalties for late enrollment. To avoid unexpected medical bills, you should consider enrolling in Medicare right away after your active employer coverage ends, before enrolling in COBRA.
Do I have other options for coverage besides COBRA?
There may be other, more affordable coverage options for you and your family through the Health Insurance Marketplace, Medicaid, or other group health plan coverage options (such as a spouse's plan), through what is called a "special enrollment period." By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower out-of-pocket costs. Additionally, you may qualify for a 30-day special enrollment period for another group health plan for which you are eligible (such as a spouse's plan), even if that plan generally doesn't accept late enrollees. Some of these options may cost less than COBRA continuation coverage. You can learn more about many of these options at HealthCare.gov, including learning how to set up a call with a marketplace navigator who can help you choose the right plan for you.
You can also visit DiscoverViaBenefits.com to shop/compare individual plans available in the marketplace. This is operated by a private company called Willis Towers Watson and they have representatives standing by to help you find the right plan for you.
What is the Health Insurance Marketplace?
The Marketplace offers "one-stop shopping" to find and compare private health insurance options. Through the Marketplace, you'll also learn if you qualify for free or low-cost coverage from Medicaid or the Children's Health Insurance Program (CHIP). You can access the Marketplace for your state at www.HealthCare.gov.
When will I receive my COBRA paperwork?
COBRA paperwork will be mailed to your home address on file within 14 days of your last day of active employment.
Who do I contact if I have questions about COBRA?
Please contact the T-Mobile Benefits Center at (855) TMO-BENS or (855) 866-2367. The center is available to help you M-F 5 am. – 5 p.m. Pacific.
Will expenses incurred after my separation date be eligible for reimbursement under the FSA program?
No, only expenses incurred prior to your separation date will be eligible for reimbursement.
What will happen to my Flexible Spending Account(s)?
Your Flexible Spending Account (FSA) will terminate on your separation date. This means that you will no longer contribute to the plan after your last regular pay date, and you will not be eligible to receive reimbursements from the plan for expenses incurred following your last day of active employment.
However, you can continue to submit claims for qualified expenses that were incurred between January 1st of the current plan year and your date of separation. Reimbursement requests with receipts must be received by the Your Spending Account team within 90 days of your date of separation. To learn about your Healthcare FSA, please contact the Benefits Center at (855) TMO-BENS.
MetLife Legal Plans
Your coverage ends at the end of the month that contains your separation date. If you have a legal matter already started with a plan attorney, it will be completed at no additional cost. After your separation is processed, MetLife will send you an email about options you have to continue with one of their individual legal plans. These plans are not identical to what you were offered through T-Mobile and may not offer the same services. Contact the MetLife Service Center or visit MetLife.com/individual-legal-plans to learn more, view pricing options, and to enroll. Contact Information: (800) 821-6400.
Allstate Identity Protection
Your coverage ends at the end of the month following your separation date, but you can elect to continue your coverage with Allstate Identity Protection via direct bill. Pricing may vary. You will need to contact them directly to do so. Contact Information: (800) 789-2720.
Nationwide Pet Insurance
Once Nationwide is notified of your separation date, they will send you information on how to pay for your policy/ies through direct bill. Contact Information: (877) 738-7874.
Home & Auto Insurance
Once your carrier is notified of your separation date, they will automatically convert you to direct bill. You will receive a bill from them shortly after separation. Any discounts related to being an employee of T-Mobile may be removed at policy renewal. Contact your carrier for more specific information.
- Farmers GroupSelect: (800) 438-6381
- Travelers: (888) 695-4640
- Liberty Mutual: (888) 929-2146.
Aflac Supplemental Health Plans (Accident, Critical Illness & Hospital Indemnity)
Your coverage ends at the end of the month following your separation date, but you can elect to continue your coverage with Aflac through direct bill. Once Aflac is notified of your separation date, they will send you information on how to pay for your policy/ies via mail. Contact Information: (800) 433-3036, select Aflac prompt.
Trustmark Long-Term Care + Life Insurance
Once Trustmark is notified of your separation date, they will send a notification to your home address (provided to them during enrollment) with instructions on how to pay for your policy through direct bill. If you do not receive your direct bill letter, reach out to Trustmark Voluntary Benefit Solutions Inc. at (800) 918-8877.
The Active&Fit Direct Program
Your membership in The Active&Fit Direct Program may continue after the date of separation with no change. In the event the termed employee was to terminate their membership, they would no longer have access to the program, as initial access is only available through participating employers. Contact Information: (844) 646-2746.
Benefits Through LiveMagenta
Benefits through LiveMagenta are extended through the last day of the month in which you worked for T-Mobile, including unlimited calls with a LiveMagenta life coach and ten no cost visits with a therapist.
LiveMagenta can be accessed by calling (855) 780-5958 or by visiting livemagenta.com. If prompted, use code: livemagenta.
Passport
If you activated your discount Passport membership account prior to your termination date, the membership discount benefits will continue to be available to you until July 2027. You have the option to transition to an individual Passport membership, by reaching out to Passport's support team.
Contact Information: (800) 410-4211 or email support@passportunlimited.com.
Perks@Work
If you have a Perks@Work account, your access will be removed approximately 3 weeks after separation; however, you have the option to transfer your order history and WOWPoints to a personal account. Just go to perksatwork.com, log in with the email and password you used as an active employee and click on the prompt to transfer your account to a personal account. If you need assistance with the transfer, you can open a ticket with the Help Center.
Employee Mobile Services Discount
We hope you'll remain a T-Mobile customer even if you leave the company. If you currently have the T-Mobile Employee Mobile Service Discount (EMSD) applied to your account it will be discontinued after your separation date, effective automatically by the next bill cycle.
Should you have further questions or want to make changes to your account please contact the Customer Service for Employees at (800) 937-8997.
May I continue my life insurance policies? Are the benefits convertible?
You may continue Basic Life as well as any Voluntary Life you and your dependents are enrolled in through The Hartford. Once notified of your separation, The Hartford will mail a Notice of Conversion/Portability to your address on file in Workday. If you do not receive this information within 20 business days following your separation date, contact The Benefits Center at 855-866-2367.
You have 31 days from the date your employer representative has signed the Notice of Conversion/Portability to submit a completed request (including Employer AND Employee sections) to The Hartford.
Once The Hartford receives your completed request, they will send you an application and a quote. Depending on the mail, it may take up to three weeks for you to receive these. If you choose to obtain coverage, you must submit the application and premium to The Hartford within 60 days from the date your employer representative has signed the Notice of Conversion/Portability. If you are concerned that you may not be able to obtain the application and quote in time to meet the 60-day deadline, you may contact The Hartford by phone or email at 877-320-0484; portabilityandconversions@selman.com.
May I continue my Accidental Death and Dismemberment insurance policies? Are the benefits convertible?
If you are enrolled in Voluntary AD&D, you may continue coverage through The Hartford. Once notified of your separation, The Hartford will mail the Notice of Conversion/Portability to your address on file in Workday.
If you do not receive this information within 20 business day following your separation date, contact The Benefits Center at 855-866-2367.
See the answers to the Life Insurance question above for more details on deadlines for submission.
Please note that you may only continue AD&D coverage for yourself. Dependents are not eligible.
Will my final pay have 401(k) taken out of it?
Any trailing pay after your separation date, including commissions payments that may occur later due to commission payout timing, will have your normal 401(k) deductions withheld.
If you want to change your 401(k) deferral percentages you must do that before your separation date. You are not able to make changes after Fidelity is notified of your separation.
Will my 401(k) deductions be matched?
If you had met the employer match eligibility rules and were already receiving employer match then these deductions will also be matched.
T-Mobile also performs an employer match "True Up" process in Q1 each year. This process reviews how much you contributed to your 401(k) plan in the prior year and ensures you received the accurate employer match dollars for that year. If you are owed any additional match dollars it will be funded to your Fidelity account at that time, which means even if you roll your account balance out when you separate you may still have a late employer contribution that is deposited. Make sure to watch your account over time so you know if you have additional money to roll over.
Please note: If you became match eligible during the prior year, only contributions made after you became match eligible will be reviewed as part of the true-up process.
How do I roll over to take cash distribution of my 401(k)/Retirement account?
You may request a distribution or rollover of your 401(k)/Retirement account by contacting Fidelity Investments at (800) 491-1014 or netbenefits.com. Keep in mind that taking a distribution of your account may result in taxes and early withdrawal penalties.
Can I keep my 401(k)/Retirement plan account open after my separation?
If your account balance is more than $7,000.00, the balance can remain in the plan, although after your separation date you will no longer be able to make future contributions or take loans from the account. If your account balance is less than $7,000.00, but more than $1,000.00, the account may be automatically rolled over to an IRA unless you request otherwise.
If your account balance is less than $1,000.00 and you do not request to roll it over to another qualified plan, it may be automatically distributed to you and will be subject to applicable taxes. If your account is planned to be automatically distributed, you will receive notice beforehand including instructions on what actions to take if you do not wish for the automatic distribution to occur.
I currently have an outstanding loan from my 401(k) account. What happens with the payments?
Loan repayments through payroll deductions will continue while you are receiving regular pay while you are still active. Upon termination of employment your loan will be re-amortized to monthly payment amounts and you will receive information from Fidelity about how to continue your loan payments each month via check or automatic debit.
If you do not choose to continue your payments your loan will default. The outstanding balance will be reported to the IRS as taxable income to you in the appropriate tax year and will be subject to applicable taxes and penalties.
If you have any questions regarding your 401(k)plan account, please contact Fidelity Investments at (800) 491-1014 or netbenefits.com.
Retirement Services
If you are a participant in the Sprint Retirement Pension Plan and have at least five years of continuous service, you may be vested and eligible for a benefit from the Plan. About four months after your employment ends at T-Mobile, you will receive a detailed benefit statement from Retirement Services mailed to your home address on file. To obtain information about your benefit, visit retirementservices.ehr.com or contact Retirement Services at (866) 333-7311.
If you are retirement eligible and can immediately elect pension or retiree health care options upon termination, contact Retirement Services at (866) 333-7311. Retirement eligibility is based upon years of service and age when you leave the company. Retirement Services can help you determine your retirement eligibility.
The company is committed to offering retirees maximum flexibility and support in assessing your health care options that include medical, prescription drug, dental and vision and enrolling in the right plan. The company has partnered with Via Benefits, a leading coordinator of individual coverage in the marketplace, to offer individual support and enrollment through their marketplace exchange. You can expect to receive retiree health care election information from Via Benefits four to six weeks prior to your Eligibility Date. Information on how to enroll in retiree health care through Via Benefits will be provided in these materials.
- If you are under 65 and/or not Medicare eligible, contact Via Benefits at (855) 323-8832.
- If you are Medicare eligible contact Via Benefits at (855) 323-8831.
Employee Stock Purchase Plan (ESPP)
If you are enrolled in ESPP at the time of separation and leave the company before the end of the purchase period, you will receive a full refund 1-2 pay periods following your end date in the same manner in which you received your bi-weekly paycheck. You must be an active employee on the final day of the purchase period to be eligible to purchase shares.
Stock Grants
Generally, Stock Grants (RSUs) are cancelled upon termination. Sprint Stock Options grants generally expire 90 days following termination. Layer3 Stock Options generally expire three (3) months following termination. Refer to your individual award agreement for details. Additional questions can be sent to Stockplan@T-Mobile.com.
If you have points in the Appreciation Zone, the cash value will be paid out to you via your direct deposit account on file within 6-8 weeks. If you do not have a direct deposit account with T-Mobile, a paper check will be sent to your home address listed in Workday.