Eligibility
Learn more about the benefit eligibility requirements for yourself and your dependents. >
We have worked hard to put together a benefits package that will help you thrive and will support your financial stability.
This year’s Open Enrollment will typically runs during the month of January and the benefits elected during this period will be effective February 1st. Please review your enrollment materials thoroughly before making your elections.
For new hires, benefits are effective on the first of the month following your date of hire and run through to the end of our insurance plan year on January 31st, 2025.
What is a Qualified Life Event (QLE)?
Generally, benefit changes are limited to open enrollment.
If you experience a Qualifying Life Event (for instance: getting married or having a baby), please contact the Benefits Coordinator; proof of the Qualifying Life Event must be submitted to the Benefits Coordinator within 31 calendar days in order to change current benefit election.
Benefit Elections must be consistent with the event
You can only make changes to the specific plans where dependents will be affected
Benefits and new rates become effective the date of the event for birth, adoptions, marriage, divorce, and death; or the day after benefits end, when the event is loss of coverage
The event date must be consistent with the information in the Supporting Documentation
Qualifying Event | Supporting Documentation | Dependent Documentation |
Marriage | Marriage Certificate | Birth Certificates are required if adding spouse's children |
Death | Death Certificate | No additional documentation required |
Divorce | Certified copy of Divorce Decree | Birth Certificates are required if adding children not currently enrolled in benefits |
Adoption |
| No additional documentation required |
Birth |
| No additional documentation required |
Loss or Gain of Coverage | Proof of enrollment or termination of benefit coverage from spouse's employer. Proof must contain effective or termination dates of coverage, type of coverage (medical, dental, vision, etc.) and the names of dependents effected |
|
Gain of Medicare or Medicaid | Proof of enrollment of benefit coverage. Proof must contain effective or termination dates of coverage, type of coverage (medical, dental, vision, etc.), and the names of the dependents effected (has 60-day window) |
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Dependent Eligibility
If you apply for coverage for yourself, you may also elect coverage for any of your eligible dependents. Eligible Dependents include one or more of the following:
Your legal spouse
A child through the age of 26. You can only make changes to the specific plans where dependents will be affected
A child is defined as your natural child, legally adopted child, stepchild, a grandchild who is a Dependent of the Participant for federal income tax purposes and resides full time with Participant, and any child for whom you are the court-appointed guardian
A child of any age who is medically certified as disabled and dependent on the parent for support and maintenance