When coverage begins


Benefits Summary Plan Description

When coverage begins

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When Coverage Begins

The date coverage begins depends on whether the participant is a new employee or is currently enrolled.

New Employees

Newly hired employees must enroll within 31 days of the date they become eligible. When hired, the employee will receive a package of enrollment materials, including instructions on how to enroll. The effective date of coverage is the employee's date of hire. If the participant is disabled and away from work on the date coverage would begin, coverage will take effect on the day the participant returns to work. Coverage for enrolled dependents will take effect on the same date as the participant's coverage start date or as of the date the dependent becomes eligible for coverage.

Changes may not be made to benefit elections until the following Open Enrollment period unless a qualified status change occurs. Please see Changing Coverage (Qualified Status Changes). Coverage changes are generally effective on the date of the qualified status change.

Current Employees

An Open Enrollment period is held every fall, during which all eligible employees can enroll in, change or drop coverage. Changes are effective on January 1 following the Open Enrollment period. Information, including instructions on how to enroll, will be provided during the Open Enrollment period each year.