2018 Buchanan Hauling Benefit Guide
Annual Enrollment 2018
ENROLLMENT INFORMATION
CHANGING YOUR BENEFITS DURING THE YEAR Make your elections carefully during your enrollment period because you can only make changes during the year if you have a qualified life event (QLE). The following events qualify for a mid-year change in coverage: • Marriage • Birth or adoption of a child • Loss of other coverage • Change in your employment status or that of a spouse • Divorce or legal separation • Entitlement to Medicare/Medicaid • A qualified domestic relations order or a similar court order • Ineligibility of a dependent • Significant change in health coverage attributable to your employment or that of your spouse If you experience a QLE and want to change your benefits, you must make the change within 30 days after the event occurs. Changes cannot be made before the event occurs. If you miss the window for making a change, you will need to change your elections during the next annual enrollment period. Benefits requiring a QLE to make a change: • Medical • Dental • Critical Illness and Cancer • FSA • Voluntary Life • Disability • Accident • Vision • Life and AD&D
WHO IS ELIGIBLE? If you are a full-time associate (working 30+ hours per week) you are eligible to enroll in the benefits described in this guide. The following family members are eligible: • Your spouse unless legally separated • Your children according to age definitions HOW TO ENROLL Review your current benefit elections and attend the open enrollment group meetings. Following the group meetings you will be able to go online to the Buchanan Hauling Marketplace (“Exchange”) to learn about your benefit options and make the best selection for you and your family. Once you have made your elections, you will not be able to change them until the next open enrollment period unless you have a qualified life event (QLE). YOUR USERNAME AND PASSWORD FOR THE MARKETPLACE https://login.gallaghermarketplace.com USERNAME: BHR + First Initial + Last Initial + Last 5 digits of your SSN/EID (not case sensitive) INITIAL PASSWORD: Social Security Number Example: John Doe, SSN: 123-45-6789 and date of birth January 1, 1990: username = BHRJD56789 password = 123456789 HEALTH CARE REFORM • Under federal law dependent children up to their 26th birthday who DO NOT have other group health insurance coverage may be added to your health care plans.
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