Benefits Overview

Rules of the Game

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Who is eligible for coverage?

1. Active employees

2. Full time (FT) Employees scheduled 32+ hours/week

3. Regular Part time (RPT) Employees scheduled between 20 and 31 hours/week

4. FT and RPT employees on approved Leaves of Absence (LOAs)

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When can coverage begin?1. Upon hire

2. At open enrollment (in October/November to be effective the following January 1st)

3. Through a Qualifying Event (within 30 days) and with proper documentation

a) Gain or loss of a dependent (birth, adoption, 26th birthday of a child, marriage, divorce, death)

b) Spouse/partner’s gain or loss of employment

c) Spouse/partner’s open enrollment

d) Medicare/Medicaid eligibility

e) Change in Daycare charges

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When will coverage become effective?

1. New hires: Coverage is effective the first of the month after one month of FT/RPT employment

2. Open enrollment: Paperwork in October/November with coverage effective January 1st.

3. Qualifying event: Changes in coverage effective the first of the month following the event. Changes made must be related to the event. For example, birth of a child would allow you to add the newborn to medical and begin a dependent care spending account but would not allow you to begin vision insurance.

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When does coverage end?Coverage ends the last day of the month of:

1. At termination of employment (either voluntary or involuntary)

2. December (if dropping coverage through Open Enrollment)

3. At retirement

4. At a change to per diem status (less than 20 hours/week)

5. At the end of a Leave of Absence (LOA)

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