Your benefits are the foundation of your financial security, protecting you in an event you get sick or injured, protecting your income if you become disabled, life insurance to protect your family, saving for retirement and much more.
Financial Security
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401(k) Program
Infosys offers a 401(k) Program to help you save for retirement. There are two plan options available based on employee classification. You may enroll upon hire and defer a portion of your pre-tax income into your 401(k) account up to annual IRS limits. You have a choice of investing your contributions in various mutual funds. Fidelity Investments is the record-keeper, and you may visit www.netbenefits.com for more details.
Annual Deferral Limits for 2025
- Base employees can contribute up to the annual IRS limit of $23,500.
- For deputees who are considered highly compensated employees (HCEs), the annual contribution amount is capped at $3,000.
- Employees age 50 or older may also make additional catch-up contributions of up to $7,500.
- Catch-up contribution limit for those age 60-63 up to $11,250
Plan Options and Eligibility
Infosys currently offers two different plans. Eligibility is as follows:
- Infosys Limited Tax Savings 401(k) Profit Sharing Plan (Plan Number 28964) – All deputees working in the USA are eligible regardless of compensation. Annual contribution limits of $3,000 will apply for all highly-compensated employees (HCEs). Non-highly compensated employees (NHCEs) can contribute up to the maximum IRS limit of $23,500, plus $7,500 as a catch-up contribution (if age 50 or older) for the plan year 2025. Catch-up contribution limit for those in age 60-63 is up to $11,250 for the plan year 2025.
Watch the video to learn more about the Profit Sharing Plan.
- Infosys Limited Tax Savings 401(k) Safe Harbor Plan (Plan Number 22850) – All base employees are eligible. Base employees with an annual salary (base + target performance bonus at 100% payout) of $155,000 or less are eligible to receive an employer match. Matching contributions are made on a per-payroll basis. Base hires who are not eligible for the employer match will be eligible to contribute up to the IRS maximum limit towards their 401(k) account.
Watch the video to learn more about the Safe Harbor Plan.
Employer Matching Contributions
- Infosys Limited Tax Savings 401(k) Profit Sharing Plan (Plan Number 28964) – Currently there is no employer match, but this is subject to change at the discretion of Infosys.
- Infosys Limited Tax Savings 401(k) Safe Harbor Plan (Plan Number 22850) – Infosys will match 100% of the first 3% of your pay that you contribute to the plan and will match 50% of the next 2% of your pay that you contribute to the plan (up to a maximum 4% net matching contribution). Base employees with an annual salary (base + target performance bonus) of $155,000 or more will qualify for an employer match in 2025 only if they are non-highly compensated employees (NHCEs). According to the IRS, NHCEs are employees who earned less than $155,000 in 2024. The matching contribution will continue as long as you remain a non-highly compensated employee (NHCE). If your status changes to HCE as per your 2025 W2, the matching contribution will cease for the 2026 plan year.
While the plans do not allow for loans, you may apply for a hardship withdrawal for reasons including, but not limited to: medical expenses; purchase of a primary residence; payment of tuition or other education-related expenses; or payment of funeral or burial expenses.
How to Enroll
You can enroll anytime during the plan year by going to www.netbenefits.com. Once you’ve registered, you can visit the site to access your account, review plan documents, and access online workshops and tutorials that can help you make the most of the plan. To speak with Fidelity Guidance or a service associate, call 1-800-835-5095.
Health Savings Account (HSA)
When you enroll in the Standard or Basic Plan, you are also eligible to enroll in a Health Savings Account. An HSA is a tax-exempt savings account you establish to pay for qualified out-of-pocket medical expenses. HSAs are only available to eligible individuals who are enrolled in a High Deductible Health Plan (HDHP). HSA dollars can be used to pay for medical and prescription drug expenses that are applied toward deductibles, over-the-counter medications with a prescription, and non- covered medical, dental, and vision expenses, all subject to IRS guidelines.
Contribution Amounts
The HSA contribution limits for 2025 are $4,300 for self-only coverage and $8,550 for family coverage. Those 55 and older can contribute an additional $1,000 as a catch-up contribution.
| COVERAGE LEVEL | 2025 ANNUAL IRS CONTRIBUTION LIMIT |
|---|---|
| Employee Only | $4,300 |
| Employee + Spouse Employee + Child(ren) Employee + Family |
$8,550 |
Eligible Expenses
You can use your HSA for out-of-pocket medical, dental, and vision expenses. Examples include deductibles, office visits, prescription drugs, hospital stays, lab work, speech/occupational/physical therapists, dental care, vision care, long-term care, and COBRA premiums.
For more details on eligibility rules, IRS regulations, HSA fees, and more, visit https://inspirafinancial.com/.
HSA Service Fees
A complete list of account fees can be found at https://inspirafinancial.com/. Please note: If your HSA reaches a zero or negative balance, Inspira Financial will close your account.
Here's How the HSA Works:
After you enroll in either Standard Plan or Basic Plan, you can set up your HSA through Inspira Financial. You choose how much to contribute, and the funds are deposited into your account through pre- tax payroll deductions. You can change your contribution amount at any time based on your budget and healthcare needs.
You can use your HSA funds to pay for covered health care expenses, such as deductibles and coinsurance for yourself and your eligible dependents. Withdrawals from your HSA for qualified medical expenses are tax-free.
You will receive an HSA debit card from Inspira Financial to pay for expenses at the point of sale. You can also pay out of pocket and then submit a claim for reimbursement from your account.
Your HSA works like a savings account. Any unused money will roll over to the next year. Your account will earn interest and grow over time. You always own the money in your HSA, including interest and other investment earnings, and you can take the account with you if you are no longer employed by Infosys.
Learn more about HSA with the helpful resources:
Health Care Flexible Spending Account (FSA)
A health care FSA helps you pay for eligible out-of-pocket medical, dental, vision, hearing and prescription drug expenses for you, your spouse and your tax dependents. Out-of-pocket expenses are those not covered by insurance or any other plan. These include deductibles, coinsurance, co-pays, and over-the-counter (OTC) items.
To participate in the FSA, you must re-enroll every year. Your current elections will not roll over into the new plan year. Once enrolled, you cannot cancel or change your contribution amount until the next Open Enrollment period, unless you have a Qualifying Life Event such as birth, death, divorce, loss/gain of job, change of daycare provider, change of location, etc.
| PLAN | CONTRIBUTION AMOUNT | EXAMPLES OF COVERED EXPENSES |
|---|---|---|
| Health Care Flexible Spending Account | $250 to $3,300 per year | Deductibles, copays, prescription drugs, medical equipment, etc. |
Visit www.IRS.gov for a complete list of eligible expenses.
Log in to the Inspira Financial member website to access your health care FSA.
Dependent Care Flexible Spending Account (FSA)
The Dependent Care FSA allows you to set aside pre-tax dollars to pay for out- of-pocket dependent daycare costs necessary so that you (and your spouse, if married) can work or look for work full-time. The daycare must be provided by a care center or individual who can provide a name, address, and taxpayer ID number, including:
- A dependent daycare center
- An education institution for pre-school children (for older children, only expenses for non-school care are eligible)
- An individual who provides care inside or outside your home. This person may not be a child of yours under age 19 or anyone you claim as a dependent for federal tax purposes
To participate in the FSA, you must re-enroll every year. Your current elections will not roll over into the new plan year. Once enrolled, you cannot cancel or change your contribution amount until the next Open Enrollment period, unless you have a Qualifying Life Event such as birth, death, divorce, loss/gain of job, change of daycare provider, change of location, etc.
| PLAN | CONTRIBUTION AMOUNT | EXAMPLES OF COVERED EXPENSES |
|---|---|---|
| Dependent Care Flexible Spending Account | $900 to $5,000 per year ($2,500 if married and filing separate tax returns) | Daycare, summer camp, adult daycare, adult private sitters, and nursery school |
Visit www.IRS.gov for a complete list of eligible expenses.
Log in to the Inspira Financial member website to access your Dependent care FSA.
Basic Life and AD&D Insurance
Regular, full-time employees are provided with company-paid Basic Life and Accidental Death and Dismemberment (AD&D) Insurance. Eligible employees are automatically enrolled and Infosys pays the full cost of this benefit.
| EMPLOYEE CLASS | COVERAGE AMOUNTS |
|---|---|
| PL2 - PL6 | $75,000 |
| PL7, AVP, VP, Partner | 2x salary, up to $1 million |
| SVP, EVP | 3x salary, up to $1 million |
| President | 4x salary, up to $1 million |
Voluntary Life and AD&D Insurance
You also have the option to elect additional Voluntary Life and AD&D Insurance as a supplement to the company-paid benefit. This coverage is completely voluntary. Your per-paycheck cost will depend on your age and the coverage amount you elect.
| PLAN | BENEFIT AMOUNT |
|---|---|
| Employee |
Available in amounts from 1x to 6x your annual earnings (not to exceed $1,000,000) |
| Spouse | Available in $5,000 incremements (not to exceed $250,000 or 50% of the employee's election) Guarantee Issue: $30,000 AD&D: 50% of the employee's Voluntary AD&D amount (40% if child is included) |
| Child(ren) | Available in $1,000 increments (not to exceed $10,000 or 50% of employee's election) Guarantee Issue: N/A AD&D: 15% of the employee's Voluntary AD&D amount (10% if spouse is included) |
For more information on the services available to you, select one of the topics below:
Disability Information
Disability Insurance is designed to provide a portion of your salary when you are unable to work due to a non-work-related accident or illness. While you are on leave of absence, you will still need to pay your share of your employee health and welfare benefits.
For more information on the services available to you, select one of the topics below:
Short-Term Disability Insurance
Regular, full-time employees have the opportunity to purchase Short-Term Disability Insurance through The Hartford. If you wish to enroll in Short-Term Disability during your initial new hire eligibility period, you will not be required to complete the medical questionnaire, also known as Evidence of Insurability (EOI). If you do not enroll now and wait to enroll for the first time during the next Open Enrollment period, then you will be required to complete the Evidence of Insurability (EOI).
| SHORT-TERM DISABILITY - EMPLOYEE PAID* | |
|---|---|
| Benefit Amount | Up to 66.67% of base pay |
| Benefit Maximum | $2,000 per week |
| Benefit Duration | Up to 13 weeks or until no longer disabled |
| Elimination Period | 7 days** |
| Cost | $0.16 per month/per $10 dollars of weekly covered benefit |
*Any salary continuation during a maternity leave would be an offset for any payable STD benefit.
**Benefits start on the 8th calendar day for a disability period due to illness or disabling pregnancy-related condition. Benefits start on the first calendar day for a disability period due to an injury.
Long-Term Disability Insurance
Regular, full-time employees are provided with company-paid Long-Term Disability Insurance at no cost through The Hartford.
| LONG-TERM DISABILITY - EMPLOYER PAID | |
|---|---|
| Benefit Amount | Up to 66.67% of base pay |
| Benefit Maximum | $10,000 per month |
| Benefit Duration | Up to age 65 if totally disabled* |
| Elimination Period | 90 days |
| Cost | None |
*If you are disabled prior to age 62, the maximum duration will be the calendar month when you reach Social Security Normal Retirement. If you are disabled at age 62 and older, there is a reducing maximum duration.
PLEASE NOTE: No benefits are payable for a period of disability commencing during the first 12 months of coverage if the disability resulted from a condition which was treated during the 3 months preceding the effective date of coverage.
Critical Illness Insurance
Even the most comprehensive medical plans do not cover all the expenses of a serious medical condition like a heart attack or cancer. Voluntary Group Critical Illness Insurance pays a lump sum benefit directly to you if you are diagnosed with a covered illness. The benefit is paid in addition to any other insurance coverage you may have and can be used any way you choose to offset out-of-pocket expenses. You choose the benefit amount when you enroll — either $15,000 or $30,000.
Covered Illnesses Include:
- Heart Attack
- Stroke
- Major Organ Transplant
- End Stage Renal (Kidney) Failure
- Cancer
- Crohn's Disease
- And more
Plan Features
| Guaranteed Issue*: There are no health questions or physical exams required. | |
| Family Coverage: Coverage options are available for your spouse and children. | |
| Fixed Wellness Rider: The coverage pays $75 per covered person per calendar year if a covered health screening test is performed, such as a biopsy for skin cancer, lipid panel, mammogram, chest X-ray, and more. | |
| Portable Coverage: You can take your policy with you if you change jobs or retire. |
*Although Guaranteed Issue, all Exclusions and Limitations still apply to the coverage. Please refer to the Exclusions and Limitations section of the brochure.
For more information on Critical Illness Insurance, select one of the options below:
Accident Insurance
Accidents happen. You can’t always prevent them, but you can reduce your exposure to the financial impact. Group Voluntary Accident Insurance pays cash benefits directly to you if you are injured in a covered accident. Benefits are paid even if you have other insurance coverage and can be used to offset out-of-pocket expenses.
The benefit amount is calculated based on the type of injury, its severity, and the medical services required in treatment and recovery. The plan covers a wide variety of accident- related expenses, including:
- Injury Treatment (fractures, dislocations, burns, lacerations, concussions, and more)
- Hospital Confinement
- Physical Therapy
- Emergency Room Services Rider
- Accident Treatment & Urgent Care Rider
Plan Features
| Guaranteed Issue*: There are no health questions or physical exams required. | |
| Family Coverage: Coverage options are available for your spouse and children. | |
| 24/7 Coverage: Benefits are paid for accidents that happen on and off the job. | |
| Fixed Health Screening Services Rider: The coverage pays $75 per covered person per calendar year if a covered health screening test is performed. | |
| Portable Coverage: You can take your policy with you if you change jobs or retire. |
*Although Guaranteed Issue, all Exclusions and Limitations still apply to the coverage. Please refer to the Exclusions and Limitations section of the brochure.
For more information on Accident Insurance, click here or select one of the options below:
Hospital Indemnity Insurance
If you are admitted into a hospital, it doesn’t take long for the out-of-pocket costs to pile up. Group Voluntary Hospital Indemnity Insurance pays benefits directly to you if you are admitted into a hospital for care due to a covered accident, sickness, or pregnancy. Benefits are paid even if you have other insurance coverage.
You will receive a benefit when you are first admitted and then an additional benefit for each day you are confined to the hospital. Additional benefits will be paid if you are confined to an intensive care unit.
There are two plan options to choose from — either a $1,500 or $3,000 hospital admission benefit.
Benefits can be used however you choose — to offset out- of-pocket expenses like deductibles and coinsurance, or to cover non-medical expenses, such as household bills and child care.
Plan Features
| Guaranteed Issue*: There are no health questions or physical exams required. | |
| Family Coverage: Coverage options are available for your spouse and children. | |
| Payroll Deduction: Premiums are paid through convenient payroll deductions. | |
| Fixed Health Screening Services Rider: The coverage pays $75 per covered person per calendar year if a covered health screening test is performed. | |
| Portable Coverage: You can take your policy with you if you change jobs or retire. |
*Although Guaranteed Issue, all Exclusions and Limitations still apply to the coverage. Please refer to the Exclusions and Limitations section of the brochure.
**Hospital Indemnity portability is only available for 36 months.
For more information on Hospital Indemnity Insurance, click here or select one of the options below:
Legal Insurance
Life is full of legal situations. Some you plan for, like creating a will, and others are more unexpected — like fighting a traffic ticket or getting your deposit back from a difficult landlord. Legal insurance makes it affordable to get the legal help you need: network attorney fees are 100% paid-in-full for most covered matters.
Key Benefits
- In-office services: Address your covered legal situations with a network attorney for legal help and representation. Access a nationwide network of more than 14,000 attorneys who average 20 years of experience.
- Telephonic advice: Quickly address your covered legal situations with a network attorney who is only a phone call away for legal help and representation.
- Online resources: ARAG provides online tools and useful information to learn more about legal issues on your own. Use the DIY Docs™ to help you create any of 350+ legally valid documents, including state-specific templates.
Two Plan Options
You can choose between two plans to get the coverage that best fits the needs of you and your family. Ultimate Advisor™ covers most common legal issues. Ultimate Advisor Plus™ includes more robust coverage, plus additional services. New for 2023, both plans will offer Diversity, Equity and Inclusion Benefits, as well as driving privilege protection and restoration for DWI. The Plus plan will also include expanded family law benefits.
| ULTIMATE ADVISOR | ULTIMATE ADVISOR PLUS™ |
|---|---|
|
Covers most common legal issues, including:
|
Upgrade your plan for more coverage and services including:
|
To learn more, call 1-800-247-4184 or visit www.ARAGlegal.com/myinfo (access code 18383inf).
For more information on Legal Insurance, select one of the options below:
Auto/Home Insurance
As an Infosys Limited employee, you have access to Auto and Home Insurance through Farmers GroupSelect. This program provides special savings, outstanding customer service, and a full suite of products to meet your diverse insurance needs. In addition to auto and homeowners insurance, it offers condo, renters, personal excess liability, boat, motorcycle, recreational vehicle, and personal property policies.
The program offers benefits and savings including a group discount, automatic payment discounts, good driving rewards, multi-policy discounts, and more.
You may apply for these policies at any time by caling 1-800-438-6381 or visiting https://myautohome.farmers.com. Your group discount code is A3G.
Commuter Benefits
The Flexi-Commuter Benefit Plan enables you to use pre-tax dollars to pay for transportation and parking expenses spent on your commute to work.
To use this plan, you’ll need to register on the Flexi-Commuter Plan website and complete the ordering process. Funds will be loaded onto your Flexi- Card at the end of each month to be used to pay the next month’s benefits.
You may contribute up to $325 per month for mass transit and up to $325 per month for parking expenses. Eligible transit expenses include bus vouchers or passes, vanpooling, and ferry passes used to commute to and from work. Eligible parking expenses include parking costs at a lot at or near your place of business or place of commute.
If your employment is terminated or if you become ineligible for commuter benefits, any remaining balance in your account will be forfeited.
| PLAN | CONTRIBUTION AMOUNT | EXAMPLES OF COVERED EXPENSES |
|---|---|---|
| Commuter Benefits | $325 per month for mass transit expenses $325 per month for parking expenses |
Bus vouchers, vanpools, ferry passes, and parking lots at or near your place of business |
Visit www.IRS.gov for a complete list of eligible expenses.
Log in to the Inspira Financial member website to access your commuter benefits.
IERP
The Infosys Executive Reward Plan provides certain employees of Infosys with a vehicle for long-term savings through a variety of employee-owned life and annuity insurance policies. Employee contributions are made using post-tax dollars in a variety of investment accounts, and there is no maximum limits on employee contributions. The Company provides a matching contribution on investments up to a specified limit. Employees enjoy tax-free or tax-favored earnings on investments, plus the added benefits of unlimited personal contributions, tax-free or tax-favored distribution options, plan portability, loans, and a tax-free life insurance benefit for named beneficiaries. The Plan consists of the various life insurance and annuity schemes and structures set forth in the applicable insurance policies, contracts and riders thereto.
Pet Insurance
Save through reimbursement on eligible vet expenses with MetLife Pet Insurance
Cover your pet's ongoing or unexpected veterinary costs with these key features:
- Choose a comprehensive plan with reimbursement of 50%–100% of eligible expenses.
- See any licensed vet worldwide, even specialists or emergency providers.
- Plus, you’ll have multi-channel support options with an experienced team of pet advocates
To get a quote or enroll, visit www.metlife.com/getpetquote or call 1 800 GET-MET8.
For more information on Pet Insurance, please view the options below:
- Pet Insurance Webinar Flyer (PDF)
- Pet Insurance Family Plans Flyer (PDF)
- Pet Insurance Mobile App Flyer (PDF)
- Pet Insurance Benefits Overview (PDF)
- Pet Insurance Booklet (PDF)
- Pet Insurance Exotic Pet Benefit Overview and Breeds Species List (PDF)
- Pet Insurance FAQ (PDF)
Group Number #: 118121