To access your personalized benefits information and to enroll, you will need your YBR User ID and password.

If you have forgotten your User ID/password, go to the YBR website, select “Forgot User ID or Password?” and follow the prompts to get a new one(s).

A one-time access code will be provided to you by telephone or text message as applicable (if you previously added your preferred telephone number — home or mobile — to the YBR website). You may also answer your security questions if you have previously completed them. If none of these are on file with YBR, you will need to request a temporary password be sent to you by US mail. It may take up to 10 days to receive your password through the mail.

Tip: If you have not already done so, log on to the YBR website today and provide your preferred telephone number — home or mobile. Just select the profile icon at the top right of the page, then “Personal Information” and enter your phone number where indicated. We recommend that you add a mobile phone number to take advantage of additional security and text messaging capabilities.

Please note: If you have previously elected electronic delivery of benefits communications, adding your mobile phone number to personal information on YBR will not affect email delivery of those communications. Benefits communication will continue to be sent to your email address on file.

Your default coverage is the Nokia health and welfare benefits coverage in which you and your covered dependent(s) will be enrolled automatically for 2022 if you do not take any action during the annual open enrollment period.

Because your default coverage for 2022 may, in some cases, be different from your 2021 coverage, it is your responsibility to confirm that your 2022 default coverage shown on the YBR website during the annual open enrollment period is the coverage you want for 2022.

Here is how to find your default coverage starting Monday, October 11, 2021:

1. Visit the YBR website at https://digital.alight.com/nokia.
   • From the home page, select the “Health & Insurance” tab at the top of the page.
   • Click the “Health & Insurance Summary” tile to be taken to the “Health & Insurance” page.
   • Scroll down and click the blue “View Pending Coverage Costs (effective Jan 1, 2022)” tile.
   • You will be taken to the “View or Change Future Coverage” page, where your default coverage will be displayed.
2. Alternatively, you may call the Nokia Benefits Resource Center’s automated system at
   1-888-232-4111 (TTY 711) to request that a copy of your default coverage record be sent to you.
   • When prompted, enter the last four digits of your Social Security Number and your date of birth (mm-dd-yyyy). (You may also be prompted to enter your ZIP code.) No password required!
   • Anytime during the “It’s annual enrollment time!” greeting, say, “Annual enrollment” and then, “Send enrollment confirmation.”

The copy of your default coverage record will be mailed to your address on file within seven to 10 business days.

Note: If you have signed up to receive communications from the Nokia Benefits Resource Center electronically, the copy will be sent to your Secured Participant Mailbox on YBR within one business day.

The easiest and most convenient way to access the information you need to enroll continues to be through the YBR website during the annual open enrollment period. However, if you do not have Internet access, or you prefer to have a copy of the annual open enrollment kit sent to you, you can only make your request through the Nokia Benefits Resource Center’s automated system. Here is what you need to do:

1. Starting October 11, 2021, call the Nokia Benefits Resource Center at 1-888-232-4111 (TTY 711).
2. When prompted, enter the last four digits of your Social Security Number and your date of birth (mm-dd-yyyy). (You may also be prompted to enter your ZIP code.) No password required!
3. Anytime during the “It’s annual enrollment time!” greeting, say “Annual enrollment” and then, “Request enrollment kit.”

Your annual open enrollment kit will be mailed to your address on file within seven to 10 business days. Note that annual open enrollment kits are always sent via US Postal Service mail, even if you have signed up to receive communications from the Nokia Benefits Resource Center electronically.