Benefits Eligibility

Who is eligible to enroll for benefits?

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Eligibility

Employees:

All full-time employees are eligible for the Company health benefit plans and life and disability insurance after 90 days of full-time employment.

The 401(k) retirement plan is open to all employees age 21 and over, after 1,000 hours employment.

 

Eligible Dependents:

Dependents of full-time employees who are eligible for coverage under the Company health benefit plans include a legal spouse and child/children under the age of 23, or up to age 26 if they do not have access to other employer coverage.  The definition of “child” includes any of the following:

  • Your child / stepchild
  • A child placed with you for adoption
  • Your legally adopted child
  • A child for whom you have legal guardianship
  • Your child for whom health coverage is required through a Qualified Medical Child Support Order (QMCSO)

 

When can I enroll in or make changes to my benefits?

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Every fall, the company holds an Open Enrollment event where you can enroll, cancel or make changes to your benefits for the next plan year. The only other time you can make a change in your coverage during the year is if you experience a qualifying life event in your family or employment status. Enrollees may change from one health coverage type to another upon the occurrence of one of the qualifying life events listed below, as long as the election is made for the change in coverage within 31 days of the qualifying life event (or 60 days in the event of Children’s Health Insurance Program). Changes will be effective on the date of the qualifying event.

If you’ve had a qualifying life event and you want to review you benefit options, consult the information on this site or in the benefits guide that was mailed to your home; you can also view and print a PDF document of the Benefits Guide for your state from this site.

NOTE: Newly married or divorced? These events change your benefit eligibility.

If you’ve had a qualifying life event and you want to review your benefit options, consult the information on this site or in the benefits guide that was mailed to your home; you can also view and print a PDF document of the Benefits Guide for your state from this site.

Below is an outline of benefit-related actions and their required documentation.

If you have experienced … Documentation Required
Marriage Marriage certificate and new spouse’s Social Security card (original maiden name social security cards are accepted)
Divorce (you MUST remove your former spouse and/or former step-children) Divorce decree
Death of spouse or dependent child Death certificate
Birth or adoption Birth certificate or verification of birth / adoption agreement and Social Security card
Gain or loss of other coverage Proof of other coverage or loss of coverage and effective date; applicable birth certificate(s), marriage certificate and Social Security cards if adding dependents

 

 

When do my benefits end?

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Health Insurance Coverage:
Employees who have health coverage will be covered through the end of the last day of their full-time employment. For example, if your last day as a full-time employee is January 15, coverage would end at midnight on January 15. You will receive a letter regarding setting up optional COBRA coverage shortly after your employment terminates.

HSA and 401(k) Accounts:
The funds in these accounts are yours, but as of the day after your termination date you may be responsible for account maintenance or other fees. You are free to transfer or rollover these funds within the limitations of the account type and IRS regulations. Other rules or limitations may apply.

Other Benefits:
Most other benefits will also terminate on your last day of full time employment. You will be notified by mail with a letter of instructions for any benefits that have an option for continuation at your own expense.

 

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