Eligibility & Qualified Life Events

You are eligible for benefits if you are a regular, full-time employee unless otherwise specified by your employer.

You may also enroll eligible dependents for benefit coverage. The cost to you for dependent coverage will vary depending on the number of dependents you enroll in the plan and the particular plan you choose.

Eligible Dependents include:

  • Your legal spouse or qualified domestic partner.
  • Children under the age of 26, regardless of student, dependency or marital status.
  • Children who are fully dependent on you for support due to a mental or physical disability, and who are indicated as such on your federal tax return, may continue coverage past age 26

When covering dependents, you must select the same plans for your dependents as you select for yourself.

If you have a Qualifying Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Event.

Once you elect your benefit options, they remain in effect for the entire plan year until Open Enrollment time.

You may only change coverage during the plan year if you have a Qualified Life Event and must do so within 30 days of the event. Qualified Life Events include:

  • Marriage
  • Divorce or legal separation
  • Birth of your child
  • Death of your spouse or dependent child
  • Adoption of or placement for adoption of your child
  • Change of employment status by you or your spouse
  • A significant change in your or your spouse’s health coverage due to your spouse’s employment
  • Qualification by the Plan Administrator of a Medical Child Support Order

Maximize Your Benefits

Take care of yourself and get your Annual Physical—and it is free!

Take care of yourself by getting your Annual Physical. Under Health Care Reform, preventive care is now covered 100%—that means no cost to you. Each year many people fail to use this benefit even though chronic diseases—which are responsible for 7 of 10 deaths among Americans each year and account for 75 percent of the nation’s health spending—often are mostly preventable. When detected early, many diseases can be treated and managed before they become a costly medical expense.