Eligibility & Enrollment
Employee Eligibility All full-time employees working 30 or more hours per week are eligible for company-offered benefit plans after one month following date of hire. Dependent Eligibility Employees who are eligible to participate in the RSM Electron benefit program may also enroll their dependents. For the purposes of our benefit plans, your dependents are defined as follows:
• Your spouse or domestic partner
• Your dependent children to age 26
• Children up to age 29 for Medical; (if not married, live in NY, not eligible for insurance with their employer, and are not covered by Medicare. • Your disabled child(ren) up to any age(if disabled prior to the age of 19). Domestic Partners Domestic partners are eligible to enroll as a dependent in some of RSM Electron plans. A marriage certificate is necessary to qualify for domestic partner coverage. Changing Your Benefits (Qualifying Life Events) Per Internal Revenue Service (IRS) rules, employees enrolled in pre-tax benefit plans may only make elections or changes to their plans once per year with the exception of the following Qualifying Life Events:
Marriage
•
• Birth, adoption or placement for adoption of an eligible child
• Divorce, or annulment of marriage
• Loss of spouse’s job or change in work status
(when coverage is maintained through spouse’s plan)
• A significant change in your or your spouse’s health coverage that is attributable to your spouse’s employment
Death of spouse or dependent
•
Loss of dependent status
•
• Employer-directed transfers to facilities out of the benefits network
4
• Becoming eligible for Medicare or Medicaid during the plan year
Made with FlippingBook interactive PDF creator