Quick Links
When Coverage Begins
The following 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 Annual Enrollment period
For more details on when coverage begins for a specific employee benefit plan, refer to the applicable section of this site.
| Effective Date of Coverage for Selected Events | |||
|---|---|---|---|
| Plans | New Hire Enrollment | Qualifying Event (Reported within 30 days) |
Annual Enrollment |
| Medical, Dental, Vision | First of the month following 30 days of employment (enrollment required) | First of the month following qualifying event (birth or adoption is date of qualifying event) |
January 1 following annual
enrollment period |
| Short Term Disability | First of the month following 30 days of employment (enrollment required) | Not applicable |
January 1 following annual
enrollment period |
| Long Term Disability | First of the month following 30 days of employment (automatic enrollment) | Not applicable |
Not applicable |
| Basic Life, Basic AD&D | First of the month following 30 days of employment (automatic enrollment) | Not applicable |
Not applicable |
| Optional Life - Employees | If coverage elected is $250,000 or less, first day of the month following 30 days of employment |
First of the month following qualifying event (birth or adoption is date of qualifying event) subject to insurance company EOI approval |
January 1 following Annual
Enrollment period, subject to insurance company EOI approval |
| If coverage elected is more than $250,000 coverage in excess of $250,000 is effective on the date approved by the insurance company (enrollment required) | |||
| Dependent Life - Spouse/DP | If coverage elected is $25,000 or less, first day of the month following 30 days of employment |
First of the month following qualifying event (birth or adoption is date of qualifying event) subject to insurance company EOI approval |
January 1 following Annual
Enrollment period, subject to insurance company EOI approval |
| 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) | |||
| Dependent Life - Child(ren) | First of the month following 30 days of employment (enrollment required) | First of the month following qualifying event (birth or adoption is date of qualifying event) |
January 1 following Annual
Enrollment period |
| Optional AD&D - Employee, Spouse/DP, Child(ren) | First of the month following 30 days of employment (enrollment required) | First of the month following qualifying event (birth or adoption is date of qualifying event) |
January 1 following annual
enrollment period |
| Flexible Spending Accounts (FSAs) | First of the month following 30 days of employment (enrollment required) | First of the month following
qualifying event |
January 1 following Annual
Enrollment period |
| Employee Assistance Program | First of the month following 30 days of employment (automatic enrollment) | Not applicable |
Not applicable |
| 401(k) | First of the month following 30 days of employment (enrollment required) | Not applicable |
Not applicable |
| Voluntary Critical Illness Insurance (VCII) | First of the month following 30 days of employment (enrollment required) | Not applicable |
January 1 following Annual Enrollment period |
| Voluntary Accident Insurance (VAI) | First of the month following 30 days of employment (enrollment required) | Not applicable |
January 1 following Annual Enrollment period |
| LegalGUARD and Identity Theft | First of the month following 30 days of employment (enrollment required) | Not applicable |
January 1 following Annual Enrollment period |
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 your optional life or dependent life election requires evidence of insurability, the effective date of coverage will be the date the insurance company approves insurability. The effective date of coverage may be delayed due to the actively at work or confinement for care provisions. |