When Coverage Ends

The following table shows the dates your coverage ends under the various employee benefit plans:

Benefit Plans When Coverage Ends
Employee Assistance Program
LegalGUARD and Identity Theft
On the last day of the month in which you are no longer employed
Short Term Disability
Long Term Disability
Life and Accident
Health Care FSA
Dependent Care FSA
Voluntary Critical Illness Insurance
Voluntary Accident Insurance
On your last day of active employment

Coverage for your dependents will end on the date your dependent no longer meets the definition of an eligible dependent or when your coverage ends.

Under certain circumstances, you may be able to continue certain benefit coverage (medical, dental, vision and health care FSA) for yourself and your dependents through COBRA. You may also be able to convert or port life, accident and voluntary plans, as permitted by the insurance companies.

When employment terminates, you have up to 90 days to file claims for any FSA eligible charges incurred prior to your termination date. This 90-day period is extended for the health care FSA if you elect COBRA continuation coverage. The dependent care FSA is not subject to COBRA.