Eligibility and Changes During The Year
Who May Enroll All regular, full-time, active employees working 30 or more hours per week are eligible to participate in the benefits program. Eligible employees may also choose to enroll their dependent(s). Dependents are considered eligible if they are: • A spouse or domestic partner* • You or your spouse’s children, stepchildren, adopted children or foster children up to age 26 • You or your spouse’s children of any age if they are incapable of self-support due to a physical or mental disability * Imputed Income Applies When Coverage Begins
Once enrolled, your enrollment choices remain in effect for the benefits plan year, November 1st through October 31st of the following year. Benefits for eligible new hires start on the first of the month following your date of hire and continue for the rest of the plan year. Employees have an annual open enrollment period, meaning you are able to take action and enroll, change or cancel your existing enrollment in any of your benefits. If you miss the open enrollment period, you will continue with your current elections.
Changes During the Year If you experience an IRS qualifying life event midyear, you can make changes to your benefits within 30 days from the date of the event. Submit your Qualifying Life Event (QLE) with the necessary supporting documentation to HR as soon as possible for approval within 30 days of the life event. Once approved, you will then be able to make your plan elections in the enrollment portal. If your change during the year is a result of the loss of eligibility or enrollment in Medicaid, Medicare or state health insurance programs, you must submit the request for change within 60 days.
Examples of IRS qualified life events: • Marriage, divorce or legal separation • Birth or adoption of a child • Death of a dependent • A change in part-time or full-time employment status. (Note: If changing from full-time to part-time
status, full-time only eligible benefits will be terminated at the end of the of the month of the change.) • You or your spouse/domestic partner lose or gain coverage through our organization or another employer
• Change in residence affecting eligibility or access
• Loss of eligibility due to Medicaid, Medicare or state health insurance programs For a complete list of IRS QLE’s, contact HR or the Acrisure team.
Open Enrollment Process & Paying For Coverage This enrollment process is 100% electronic. All product brochures, required forms and notices are included in the online enrollment portal: pps.bswift.com . Based on your benefit elections and coverage levels, you may be required to pay for a portion of the cost via payroll deduction. The per paycheck costs are calculated for you in the enrollment portal. You can, of course, decline or “waive” your company provided benefits.
Download the mobile app for our enrollment system by scanning the QR code.
4 Benefits Guide 2025-26
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