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When Coverage Begins
If you enroll as a newly hired employee, your coverage will begin according to the following chart,
provided you meet the plan’s eligibility requirements. Any coverage you elect for your eligible dependents will begin on the same day your coverage begins.
Benefit Plan |
Your Coverage Will Begin… |
Medical (including Prescription Drugs and Vision Care) and Dental |
Full-Time Employees and Full-Time Temporary Employees hired to work at least 12 months: on your first day of work, provided you enroll within 30 days of that date. If you do not enroll within 30 days after you first become eligible, you will have to wait until Open Enrollment to enroll. Your coverage will become effective the first day of the plan year following Open Enrollment, currently January 1. Election and enrollment changes made as a result of a Qualifying Life Event must be made within 30 days of the event. In this case, coverage is effective on the qualifying event date. |
Part-Time Employees and Full-Time Temporary Employees hired to work less than 12 months: on the first day of work following 4 months of service, provided you enroll within 30 days of that date. If you do not enroll within 30 days after you first become eligible, you will have to wait until Open Enrollment to enroll. Your coverage will become effective the first day of the plan year following Open Enrollment, currently January 1. Election and enrollment changes made as a result of a Qualifying Life Event must be made within 30 days of the event. In this case, coverage is effective on the qualifying event date. |
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Employee Assistance Program |
On your first day of work. |
Flexible Spending Accounts |
Payroll deductions begin as soon as administratively possible, and in accordance with IRS rules following your election; however, you may claim eligible expenses incurred on or after your date of hire or on the date of the Qualifying Life Event. Full-Time Temporary Employees are eligible after 4 months of service. Before and after-tax deductions are made based on IRS rules. |
Short-Term Disability |
Refer to the “Disability Coverage” section. |
Long-Term Disability |
On your first day of work if you are a Full-Time Employee hired to work at least 12 months or a Full-Time Temporary Employee who has completed 4 months of service and was hired to work less than 12 months. Part-Time Employees are not eligible. |
Basic Life Insurance |
On the day you enroll, provided you enroll within 30 days after you become eligible. Otherwise, satisfactory evidence of insurability must be approved by the insurance company before coverage can begin. |
Supplemental Life Insurance |
On the day you enroll, provided you enroll within 30 days after you become eligible. Otherwise, satisfactory evidence of insurability must be approved by the insurance company before coverage can begin. |
Spouse and Dependent Life Insurance |
On the day you enroll, provided you enroll within 30 days after you become eligible for guaranteed issue amounts. Otherwise, satisfactory evidence of insurability must be approved by the insurance company before coverage can begin. |
Special Accident Insurance |
On the first day of the month after you enroll. |
Business Travel Accident Insurance |
On your first day of work. |
Savings Program |
Your contributions in the form of payroll deductions will begin as soon as administratively possible after you enroll, generally within 30 days. |
Pension Plan |
On your first day of work. |
Long Term Care |
On the first day of the month after your enrollment form has been received as long as you are actively at work (or on vacation or a holiday absence) provided you enroll within 30 days after you become eligible. Coverage for Eligible Dependents becomes effective once approved by the insurance company. |
The medical and dental coverage, before-tax medical and dental premiums and flexible spending account elections you make during the fall Open Enrollment period will be effective on January 1 of the following year. Special accident insurance elections will be effective on the first of the month after you enroll.
If you change your elections because of a Qualifying Life Event, as described in this section, the changes will be effective on the date described on the following page under “Paying for Your Benefits.”
If you elect to pay for coverage on a pre-tax basis, the IRS restricts when pre-tax contributions may begin or end during the plan year. Pre-tax payroll deductions can only be changed if you have a Qualifying Life Event and you contact the Benefit Plans Office within 30 days of the Qualifying Life Event. Therefore, if you have a Qualifying Life Event and you do not notify the Benefit Plans Office within 30 days of the Qualifying Life Events, you may have a change in coverage level but no change in premium until the following year.
Rights and ResponsibilitiesThe Company may – but is not required to – share in the cost of the benefits offered to you. You must enroll timely and pay your share of any cost. In order to participate in the plans, you must allow the Company to use your individual information (such as address and phone numbers, including private phone numbers, or whatever is minimally necessary to fully administer any and all benefit plans). The Company will share your individual information with third party vendors only to the extent minimally necessary to support the administrative processes and features of the benefit plan. Vendor and service contracts will be maintained which exclusively limit the use of your individual information to the operation of the specific benefit program for which the vendor provides service. Benefit plans such as medical and prescription drugs may include managed care, disease or wellness management, and utilization management programs which are incorporated programs of the benefit plan. The Company reserves the right to incorporate these management programs into the benefits plans offered.