W E L C O M E
About This Guide This guide describes the benefit plans available to you as an employee. The details of these plans are contained in the official plan documents, including some insurance contracts. This guide is meant only to cover the major points of each plan. It does not contain all of the details that are included in your summary plan description (as described by the Employees Retirement Income Security Act). If there is ever a question about one of these plans, or if there is a conflict between the information in this guide and the formal language of the plan documents, the formal wording in the plan documents will govern. Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation.
Making Changes Generally, you may only make changes to your benefits selections during the annual benefits open enrollment period. However, you may make changes to your current coverage if you have a life status change. Eligible status changes would be:
Initial Enrollment Eligibility: If you are an active, full-time employee working at least 30 hours per week, you are eligible to apply for coverage beginning on your date of hire. Benefits Begin: Coverage is effective first of the month following date of hire. You must apply for benefits within 30 days of employment. Please allow two weeks for processing once your enrollment form has been received. Coverage will be retroactive back to your effective date. Benefits End: Medical, Dental and Vision benefits will end at the end of the month after last day worked. At that time,you may be eligible for benefits applicable under COBRA continuation. Life & Disability benefits will end on date of termination. At that time, you may be eligible to convert your Life Insurance policy within 31 days after your termination per policy guidelines. Dependent Coverage: Lawful spouse, and children are eligible dependents for group benefits. Your dependent’s coverage will terminate at the end of the month that he/she reaches age 26. Pre-Tax Payroll Deductions: Some payroll deductions are considered pre-tax — This means that they are taken from your gross pay before taxes are withheld using a special Section 125 “pre - tax” payroll deduction. This means that you do not pay state, federal, and social security taxes on eligible premiums paid using a payroll deduction. Bottom-line, this means more money
» Marriage, divorce, legal separation or annulment » Birth, adoption or placement for adoption of an eligible child » Death of your spouse or covered child » Change in your spouse’s work status that affect benefits eligibility
» Significant change in your coverage, or your spouse’s health coverage attributable to your spouse’s employment » Change in your child’s eligibility for benefits » Becoming eligible for Medicare or Medicaid » Qualified Medical Child Support Order (QMCSO)
If you have a life status change, you must notify Human Resources within 30 days of the change. Depending on the type of change, you may need to provide proof of the change (for example, a marriage license or birth certificate). If you do not return your enrollment forms to Human Resources within 30 days you will have to wait until the next annual open enrollment period to make benefit changes.
3
Made with FlippingBook - Online magazine maker