As a new hire you will select benefits and can change benfits within 31 days of your hire date:
-Change health insurance carrier
-Add/drop Health or Dental coverage for yourself or dependents
-Add/drop Optional/Dependent Life, Supplemental Long Term Disability, or Long Term Care
-Enroll/cancel Flexible Spending Accounts or the Pre-Tax Premium feature
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Enrollment Periods occur every year from October 1st through October 31st. Employees may make changes to their insurance benefits based on the type of enrollment period. All changes and any applicable premium changes are effective January 1st of the following year. Annual Enrollment changes are allowed every year, while Open Enrollment changes are permitted in October of the odd-numbered years only. Annual Enrollment | Open Enrollment | | Change health plans (ie: CIGNA to Standard) | Change health plans (ie: CIGNA to Standard) | | Enroll/Re-enroll in Medical Spending, Dependent Care or Health Savings Accounts | Enroll/Re-enroll in Medical Spending, Dependent Care or Health Savings Accounts | | Any Special Changes Allowed by Insurance Carriers | Any Special Changes Allowed by Insurance Carriers | | *If enrolled in pretax feature, add/drop/increase/decrease optional life | *If enrolled in pre-tax feature, add/drop/increase/decrease optional life | | Add/drop state vision plan for yourself or dependents | Add/drop state vision plan for yourself or dependents | | Add/drop yourself or dependents from Health or Dental | | Add/drop Dental Plus |
*If an employee does not participate in the pre-tax premium feature, they may add/drop/increase/decrease optional life throughout the year (with medical evidence if required). | |
When you experience a life event, you may make changes within 31 days of the event:
-Marriage
-Separation/Divorce
-Birth/Adoption/Death
-Employment/Insurance Change of Dependents (loss or gain of coverage)
-Dependency Change of Children-children may be covered on health, dental and/or vision insurance until age 26 if they are not eligible for another employer plan. Dependents may be carried on dependent life until age 19, or age 25 if they are a fulltime student.
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Throughout the year, employees can:
-change HMO physician
-drop dependent life, long term disability, and/or long term care
-add/increase dependent life insurance, long term disability and long term care with medical evidence of good health
-change beneficiaries.
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