Kroger Members: Lincoln Financial Open Enrollment
Updated 5/5/2026
What’s New in This Post
This article has been updated to reflect the latest enrollment information, including:
Updated enrollment options and instructions
Current contact information and submission methods
Clarified coverage details based on the latest benefit materials
UFCW 227 members who work at Kroger have access to expanded short term disability, life insurance, and supplemental illness coverage at a great price with premiums conveniently paid through payroll deduction thanks to your union contract.
These benefits are only available to eligible UFCW 227 union members.
Each eligible member should either enroll in coverage or formally decline during the open enrollment period.
How to Enroll
Choose the option that works best for you:
Enroll Online (Fastest Option)
Visit:
👉 https://lfg.benselect.com/kroger
Username: Your Social Security Number
Password: Last 4 digits of your SSN + last 2 digits of your birth year
Enroll with a Paper Application
Drop your completed form in the breakroom box
Email photos of your application to zak@insbow.com
Fax your form to 502-473-0790
Need Help?
Call 502-473-1300
How to Decline Coverage
If you do not want coverage, you must still take action:
Write “NO” or “DENY” at the top of your form and return it
Or call 502-473-1300 to decline
Your Coverage Options
UFCW 227 members can choose from a comprehensive package of voluntary benefits designed to protect your pay and cover unexpected expenses:
Disability Insurance
Pays 60% of your income if you’re sick or injured
Can be used alongside your existing union disability benefits
Life Insurance
Coverage available for employee, spouse, and children
Keep your coverage even if you leave Kroger
Accident Insurance
Covers injuries on and off the job
Pays cash benefits for medical care and recovery
Critical Illness (Cancer) Insurance
Pays a lump sum for serious conditions like heart attack, stroke, or cancer
Includes a wellness benefit
Hospital Indemnity Insurance
Pays cash for hospital stays
Example: $1,000 for the first day + daily payments after
Helps cover deductibles and out-of-pocket costs
Why Enroll?
Union-negotiated, affordable coverage
Enhanced benefits with no rate increases
Protect your paycheck and savings
Access wellness benefits included in several plans
Reminder
Every member should take action during open enrollment—either enroll or decline.
Sample application:
As always if you have any questions or concerns reach out to your union representative.
