Open enrollment only comes once a year — but the preparation should start well before your renewal date. Miss a step and you're scrambling. Do it right and your employees walk away with coverage they actually understand. Here's the checklist we use with our clients at Service 1st Benefits. 60–90 Days Before Renewal ☐ Request renewal rates from your broker Your carrier should send renewal rates 60–90 days before your plan anniversary. If you haven't received them, ask. Waiting