When Coverage Begins
This table shows the dates your coverage will be effective under the various benefit plans for:
- Newly hired employees.
- Employees who experience a qualifying event.
- Changes made during the Open Enrollment period.
| Effective Date of Coverage for Selected Events | |||
|---|---|---|---|
| Plans | New Hire Enrollment | Qualifying Event (Reported within 30 days) |
Open Enrollment |
| Medical, Dental, Vision and Health Savings Account | First day of the month following date of hire (enrollment required) | First day of the month following qualifying event (birth or adoption is date of qualifying event) |
January 1 following Open Enrollment period |
| Short Term Disability | First day of the month following date of hire (enrollment required) |
Not applicable |
January 1 following Open Enrollment period; subject to insurance company EOI approval |
| Long Term Disability | First day of the month following date of hire (automatic enrollment) |
Not applicable |
Not applicable |
| Basic Life, Basic AD&D | First day of the month following date of hire (automatic enrollment) |
Not applicable |
Not applicable |
| Optional Life and AD&D – Employee | If coverage elected is $50,000 or less, first day of the month following date of hire (enrollment required) If coverage elected is more than $50,000, coverage in excess of $50,000 is effective on the date approved by the insurance company (enrollment required) |
First day of the month following qualifying event, subject to insurance company EOI approval |
January 1 following Open Enrollment period, subject to insurance company EOI approval |
| Dependent Life and AD&D – Spouse/DP | If coverage elected is $25,000 or less, first day of the month following 30 days of employment (enrollment required) If coverage elected is more than $25,000, coverage in excess of $25,000 is effective on the date approved by the insurance company (enrollment required) |
First day of the month following qualifying event, subject to insurance company EOI approval |
January 1 following Open Enrollment period, subject to insurance company EOI approval |
| Dependent Life and AD&D – Child(ren) | First day of the month following date of hire (enrollment required) |
First day of the month following qualifying event |
January 1 following Open Enrollment period |
| Employee Assistance Program (EAP) | First day of the month following date of hire (automatic enrollment) |
Not applicable |
Not applicable |
| 401(k) | On January 1, April 1, July 1 or October 1 immediately following 12 months of service |
Not applicable |
Not applicable |
The effective dates shown in this table assume enrollment has been completed timely and any required paperwork or documentation has been provided. If you complete your enrollment after your effective date of coverage, retroactive payroll deductions will be calculated and withheld from your first paycheck after elections are made. It is for this reason you should enroll early to avoid retroactive payroll deductions. If any enrollments require evidence of insurability (EOI), the effective date of coverage will be the date the insurance company approves insurability. The effective date of coverage may also be delayed due to the actively at work or confinement for care provisions of the plans.
